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HOME - NOW: PENSIONSBLOGPRESSGATEWAY HELP CENTREEMPLOYERWHY NOW:

PENSIONSINVESTMENT

NOW: Pensions is with you every step of the way. We’re here to help you and your family build your pension savings and get the retirement you deserve. We believe in a pension system that benefits everyone.

Our story.

LOG IN TO MY ACCOUNT By default your account will be set up with your work email address (this is where you will receive your activation email containing your NOW: Pensions contract ID), but we recommend you change this to a personal email address to manage your account moving forwards. MEMBERS - NOW: PENSIONS Email: membersupport@nowpensions.com. Write to: NOW: Pensions, Post Handling Centre, St James’s Tower, 7 Charlotte Street, Manchester M1 4DZ. Call: 0330 100 3334 from 9am to 5pm, Monday to Friday. We might record your call to help us improve our service to you. LOGIN TO YOUR WORKPLACE PENSION PORTAL To access your account, click the login button below and simply enter your email address or Contract ID then enter your password. Login. If you're logging in for the first time, click here to find out how to activate your account. Login. You will need to be logged in to view

and

MY ANNUAL BENEFIT STATEMENT Go to: statements.nowpensions.com and enter your user ID and password. Remember, your password is case-sensitive. If you’ve forgotten your password, go to ‘Click reset forgotten password’ and set up a new one. Go to the ‘Menu’ button, then ‘New Document’. Select ‘View’ to open and read your benefit statement.

LATEST UNIT PRICES

Latest unit prices. Valuation Date. Diversified Growth Fund NOWF8130832. Retirement Countdown Fund (Series I) NOWF8130852. Retirement Countdown Fund (Series II) NOWF8130842. 26/05/21. 182.1277.

TBA. 123.5580.

COSTS AND CHARGES

Employer using a payroll bureau and NOW: Pensions Gateway. Number of active members. Basic monthly charge. 1-4. £12.50 + VAT. 5 and over. £20.00 + VAT. There is some flexibility with our costs. Please contact us on 0330 100 3336 (Monday to Friday, 9am to 5pm) to find out what kind of discounts might be available for your clients. YOUR BENEFIT STATEMENTS Is this your first time logging in? Simply enter your user ID and your temporary password. This is your National Insurance number (you can find this on your payslip). BLANK CSV FILE TEMPLATE Only export files direct to Excel that are correctly formatted. Make any amendments before saving the file. Once the file’s complete, save as a .csv file and click ‘Yes’ to use that format. Close the document. When you’re prompted to save changes, click ‘No’. Your file is ready to upload. If you need a blank CSV file, you can HOW DO I OPT OUT OF THE SCHEME? The quickest way to opt out of the Scheme is using your member account at nowgatewayx.com. You’ll need your NOW: Pensions contract ID and date of birth to activate your account if you haven’t already done this. Log in to your account, select your job contract on the dashboard, select ‘Opt out’ and follow the on-screen instructions. HOME - NOW: PENSIONSBLOGPRESSGATEWAY HELP CENTREEMPLOYERWHY NOW:

PENSIONSINVESTMENT

NOW: Pensions is with you every step of the way. We’re here to help you and your family build your pension savings and get the retirement you deserve. We believe in a pension system that benefits everyone.

Our story.

LOG IN TO MY ACCOUNT By default your account will be set up with your work email address (this is where you will receive your activation email containing your NOW: Pensions contract ID), but we recommend you change this to a personal email address to manage your account moving forwards. MEMBERS - NOW: PENSIONS Email: membersupport@nowpensions.com. Write to: NOW: Pensions, Post Handling Centre, St James’s Tower, 7 Charlotte Street, Manchester M1 4DZ. Call: 0330 100 3334 from 9am to 5pm, Monday to Friday. We might record your call to help us improve our service to you. LOGIN TO YOUR WORKPLACE PENSION PORTAL To access your account, click the login button below and simply enter your email address or Contract ID then enter your password. Login. If you're logging in for the first time, click here to find out how to activate your account. Login. You will need to be logged in to view

and

MY ANNUAL BENEFIT STATEMENT Go to: statements.nowpensions.com and enter your user ID and password. Remember, your password is case-sensitive. If you’ve forgotten your password, go to ‘Click reset forgotten password’ and set up a new one. Go to the ‘Menu’ button, then ‘New Document’. Select ‘View’ to open and read your benefit statement.

LATEST UNIT PRICES

Latest unit prices. Valuation Date. Diversified Growth Fund NOWF8130832. Retirement Countdown Fund (Series I) NOWF8130852. Retirement Countdown Fund (Series II) NOWF8130842. 26/05/21. 182.1277.

TBA. 123.5580.

COSTS AND CHARGES

Employer using a payroll bureau and NOW: Pensions Gateway. Number of active members. Basic monthly charge. 1-4. £12.50 + VAT. 5 and over. £20.00 + VAT. There is some flexibility with our costs. Please contact us on 0330 100 3336 (Monday to Friday, 9am to 5pm) to find out what kind of discounts might be available for your clients. YOUR BENEFIT STATEMENTS Is this your first time logging in? Simply enter your user ID and your temporary password. This is your National Insurance number (you can find this on your payslip). BLANK CSV FILE TEMPLATE Only export files direct to Excel that are correctly formatted. Make any amendments before saving the file. Once the file’s complete, save as a .csv file and click ‘Yes’ to use that format. Close the document. When you’re prompted to save changes, click ‘No’. Your file is ready to upload. If you need a blank CSV file, you can HOW DO I OPT OUT OF THE SCHEME? The quickest way to opt out of the Scheme is using your member account at nowgatewayx.com. You’ll need your NOW: Pensions contract ID and date of birth to activate your account if you haven’t already done this. Log in to your account, select your job contract on the dashboard, select ‘Opt out’ and follow the on-screen instructions. MEMBERS - NOW: PENSIONS Email: membersupport@nowpensions.com. Write to: NOW: Pensions, Post Handling Centre, St James’s Tower, 7 Charlotte Street, Manchester M1 4DZ. Call: 0330 100 3334 from 9am to 5pm, Monday to Friday. We might record your call to help us improve our service to you. LOGIN TO YOUR WORKPLACE PENSION PORTAL To access your account, click the login button below and simply enter your email address or Contract ID then enter your password. Login. If you're logging in for the first time, click here to find out how to activate your account. Login. You will need to be logged in to view

and

MY ANNUAL BENEFIT STATEMENT Go to: statements.nowpensions.com and enter your user ID and password. Remember, your password is case-sensitive. If you’ve forgotten your password, go to ‘Click reset forgotten password’ and set up a new one. Go to the ‘Menu’ button, then ‘New Document’. Select ‘View’ to open and read your benefit statement.

LATEST UNIT PRICES

Latest unit prices. Valuation Date. Diversified Growth Fund NOWF8130832. Retirement Countdown Fund (Series I) NOWF8130852. Retirement Countdown Fund (Series II) NOWF8130842. 26/05/21. 182.1277.

TBA. 123.5580.

CONTACT US - NOW: PENSIONS Members. Please email us at membersupport@nowpensions.com. To help us help you faster please quote your full name, address and National Insurance number in the email. You can also call our member support team on 0330 100 3334 from 9am to 5pm, Monday to Friday. When you call please give your full name, address and National Insurance number. EMPLOYERS - NOW: PENSIONS In this kind of scheme, the employer must deduct 80% of employees’ pension contributions from their take-home pay (after income tax has been taken off). The pension scheme claims the tax relief from HM Revenue & Customs (HMRC) each month and pays it back to the employee. HMRC only sends back the basic rate of tax: 20%. HOW DO I ACTIVATE MY NOW: PENSIONS MEMBER ACCOUNT? Activate your account. Create a password to use on your account and confirm it. Click Activate my account. You’ll see your NOW: Pensions account home page which shows your NOW: Pensions contract ID for that employer. Email addresses. It’s helpful if you register an email address to activate and manage your account, as this allows us to PARTICIPATION AGREEMENT The following clause is inserted below the table: Where minimum contribution rates for an employer and/or contribution dates are varied as a result of a change in the Automatic Enrolment Laws, the Schedule of Payments/Payments Schedule will be deemed updated to reflect the change from the effective date of the change. STOPPING CONTRIBUTIONS If you opt out within the first month of being enrolled – during the opt-out window – your contributions will be refunded.; If you stop your contributions after one month, your employer can’t refund your contributions. Any payments you’ve made into your pension must remain invested until your retirement or until you transfer them out. WHAT IS A MASTER TRUST? A master trust is a type of defined contribution (DC) pension scheme that lots of different employers take part in. Each employer has its own section. (There are some similar defined benefit (DB) schemes, but they’re not legally master trusts.) Master trusts are managed by a single trustee that makes decisions on behalf of all the members of HOME - NOW: PENSIONSBLOGPRESSGATEWAY HELP CENTREEMPLOYERWHY NOW:

PENSIONSINVESTMENT

Back. Payroll bureaus. Here you'll find all the information you need on auto enrolment, workplace pensions, your employer's responsibilities and how we can help your business become a first class workplace pension provider for your staffs. LOG IN TO MY ACCOUNT By default your account will be set up with your work email address (this is where you will receive your activation email containing your NOW: Pensions contract ID), but we recommend you change this to a personal email address to manage your account moving forwards. MY ANNUAL BENEFIT STATEMENT Back. Payroll bureaus. Here you'll find all the information you need on auto enrolment, workplace pensions, your employer's responsibilities and how we can help your business become a first class workplace pension provider for your staffs.

LATEST UNIT PRICES

Back. Payroll bureaus. Here you'll find all the information you need on auto enrolment, workplace pensions, your employer's responsibilities and how we can help your business become a first class workplace pension provider for your staffs.

COSTS AND CHARGES

Our simple, competitive price structure is designed to meet the needs of every size of business, however large or small, while being transparent and fair for Scheme members. HOW DO I OPT OUT OF THE SCHEME? In line with government legislation, every employee has one calendar month when they can choose to opt out after being auto enrolled into a workplace pension scheme.. We’ll send you an enrolment notice to tell you that you’re a member of the NOW: Pensions Trust (‘the Scheme’) and the deadline to opt out. YOUR BENEFIT STATEMENTS Is this your first time logging in? Simply enter your user ID and your temporary password. This is your National Insurance number (you can find this on your payslip). DIVERSIFIED GROWTH FUND FACTSHEET Portfolio overviewThe quarter will always be remembered as the time when we started to face up to the unknown enemy of coronavirus. With the world responding to the global pandemic, investors have been trying to quantify the financial impact on the global economy. Combined with a dispute between OPEC and Russia, this has caused huge

Continued

DIVERSIFIED GROWTH FUND Diversified Growth Fund As at 31 December 2020 Five Year Member Returns 01/01/2016 31/12/2016 01/01/2017 31/12/2017 01/01/2018 31/12/2018 01/01/2019 31/12/2019 BLANK CSV FILE TEMPLATE A CSV file is a plain text file that lets you save data in a structured format. They’re often used to import and export data between different spreadsheet, HOME - NOW: PENSIONSBLOGPRESSGATEWAY HELP CENTREEMPLOYERWHY NOW:

PENSIONSINVESTMENT

Back. Payroll bureaus. Here you'll find all the information you need on auto enrolment, workplace pensions, your employer's responsibilities and how we can help your business become a first class workplace pension provider for your staffs. LOG IN TO MY ACCOUNT By default your account will be set up with your work email address (this is where you will receive your activation email containing your NOW: Pensions contract ID), but we recommend you change this to a personal email address to manage your account moving forwards. MY ANNUAL BENEFIT STATEMENT Back. Payroll bureaus. Here you'll find all the information you need on auto enrolment, workplace pensions, your employer's responsibilities and how we can help your business become a first class workplace pension provider for your staffs.

LATEST UNIT PRICES

Back. Payroll bureaus. Here you'll find all the information you need on auto enrolment, workplace pensions, your employer's responsibilities and how we can help your business become a first class workplace pension provider for your staffs.

COSTS AND CHARGES

Our simple, competitive price structure is designed to meet the needs of every size of business, however large or small, while being transparent and fair for Scheme members. HOW DO I OPT OUT OF THE SCHEME? In line with government legislation, every employee has one calendar month when they can choose to opt out after being auto enrolled into a workplace pension scheme.. We’ll send you an enrolment notice to tell you that you’re a member of the NOW: Pensions Trust (‘the Scheme’) and the deadline to opt out. YOUR BENEFIT STATEMENTS Is this your first time logging in? Simply enter your user ID and your temporary password. This is your National Insurance number (you can find this on your payslip). DIVERSIFIED GROWTH FUND FACTSHEET Portfolio overviewThe quarter will always be remembered as the time when we started to face up to the unknown enemy of coronavirus. With the world responding to the global pandemic, investors have been trying to quantify the financial impact on the global economy. Combined with a dispute between OPEC and Russia, this has caused huge

Continued

DIVERSIFIED GROWTH FUND Diversified Growth Fund As at 31 December 2020 Five Year Member Returns 01/01/2016 31/12/2016 01/01/2017 31/12/2017 01/01/2018 31/12/2018 01/01/2019 31/12/2019 BLANK CSV FILE TEMPLATE A CSV file is a plain text file that lets you save data in a structured format. They’re often used to import and export data between different spreadsheet, MEMBERS - NOW: PENSIONS Even if you miss your opt-out window, you can still leave the Scheme at any time. The quickest way to do this is to log in to your online member account at nowgatewayx.com, select your job contract on the dashboard, select ‘Opt out’ and follow the on-screen instructions.You’ll get a letter saying you have successfully left the Scheme and you and your employer will stop making pension

FINANCIAL ADVISERS

Ten years before their target retirement age a member’s pension savings start to be switched into the Retirement Countdown Fund. This fund aims to protect the value of the money built up by using cash and investments that behave like cash, such as money-market funds, short-dated bonds with low credit risk, and interest rate derivatives. EMPLOYERS - NOW: PENSIONS Back. Employers. Here you'll find all the information you need on auto enrolment, workplace pensions, your employer's responsibilities and how we can help your business become a first class workplace pension provider for your staff. CONTACT US - NOW: PENSIONS Please email us at membersupport@nowpensions.com.To help us help you faster please quote your full name, address and National Insurance number in the email. You can also call our member support team on 0330 100 3334 from 9am to 5pm, Monday to Friday. When you call please give your full name, address and National Insurance number. PARTICIPATION AGREEMENT The following clause is inserted below the table: Where minimum contribution rates for an employer and/or contribution dates are varied as a result of a change in the Automatic Enrolment Laws, the Schedule of Payments/Payments Schedule will be deemed updated to reflect the change from the effective date of the change.

TRANSFER MY PENSION

Back. Payroll bureaus. Here you'll find all the information you need on auto enrolment, workplace pensions, your employer's responsibilities and how we can help your business become a first class workplace pension provider for your staffs. HOW DO I ACTIVATE MY NOW: PENSIONS MEMBER ACCOUNT? Back. Payroll bureaus. Here you'll find all the information you need on auto enrolment, workplace pensions, your employer's responsibilities and how we can help your business become a first class workplace pension provider for your staffs. WHAT IS THE ORIGO TRANSFER SERVICE? Origo is an independent online transfer service for pension savings. Many pension providers, including us, use this service to transfer money securely and efficiently.It cuts down paperwork and speeds up transfer times. Whether you’re transferring pension savings into or out of our Scheme, it’s worth finding out if your other pension provider uses the Origo service. EXPRESSION OF WISH FORM NOW: Pensions is registered in England and Wales as NOW Pensions Limited (No. 07766398), 6 Bevis Marks, London, EC3A 7BA. We are regulated by The Pensions Regulator and identifiable under the Pension Schemes Registry (PSR) under registration number 12005124 and HMRC reference number 00776316RJ. WHAT IS A MASTER TRUST? A master trust is a type of defined contribution (DC) pension scheme that lots of different employers take part in. Each employer has its

own section.

HOME - NOW: PENSIONSBLOGPRESSGATEWAY HELP CENTREEMPLOYERWHY NOW:

PENSIONSINVESTMENT

NOW: Pensions is with you every step of the way. We’re here to help you and your family build your pension savings and get the retirement you deserve. We believe in a pension system that benefits everyone.

Our story.

LOG IN TO MY ACCOUNT By default your account will be set up with your work email address (this is where you will receive your activation email containing your NOW: Pensions contract ID), but we recommend you change this to a personal email address to manage your account moving forwards. MY ANNUAL BENEFIT STATEMENT Go to: statements.nowpensions.com and enter your user ID and password. Remember, your password is case-sensitive. If you’ve forgotten your password, go to ‘Click reset forgotten password’ and set up a new one. Go to the ‘Menu’ button, then ‘New Document’. Select ‘View’ to open and read your benefit statement.

LATEST UNIT PRICES

Latest unit prices. Valuation Date. Diversified Growth Fund NOWF8130832. Retirement Countdown Fund (Series I) NOWF8130852. Retirement Countdown Fund (Series II) NOWF8130842. 26/05/21. 182.1277.

TBA. 123.5580.

COSTS AND CHARGES

Employer using a payroll bureau and NOW: Pensions Gateway. Number of active members. Basic monthly charge. 1-4. £12.50 + VAT. 5 and over. £20.00 + VAT. There is some flexibility with our costs. Please contact us on 0330 100 3336 (Monday to Friday, 9am to 5pm) to find out what kind of discounts might be available for your clients. BLANK CSV FILE TEMPLATE Only export files direct to Excel that are correctly formatted. Make any amendments before saving the file. Once the file’s complete, save as a .csv file and click ‘Yes’ to use that format. Close the document. When you’re prompted to save changes, click ‘No’. Your file is ready to upload. If you need a blank CSV file, you can HOW DO I OPT OUT OF THE SCHEME? The quickest way to opt out of the Scheme is using your member account at nowgatewayx.com. You’ll need your NOW: Pensions contract ID and date of birth to activate your account if you haven’t already done this. Log in to your account, select your job contract on the dashboard, select ‘Opt out’ and follow the on-screen instructions. YOUR BENEFIT STATEMENTS Is this your first time logging in? Simply enter your user ID and your temporary password. This is your National Insurance number (you can find this on your payslip). DIVERSIFIED GROWTH FUND FACTSHEET Diversified Growth Fund factsheet – March 2020. March 25, 2020. Portfolio overview. The quarter will always be remembered as the time when we started to face up to the unknown enemy of coronavirus. With the world responding to the global pandemic, investors have been trying to quantify the financial impact on the global economy. DIVERSIFIED GROWTH FUND Diversified Growth Fund As at 31 December 2020 Five Year Member Returns 01/01/2016 31/12/2016 01/01/2017 31/12/2017 01/01/2018 31/12/2018 01/01/2019 31/12/2019 HOME - NOW: PENSIONSBLOGPRESSGATEWAY HELP CENTREEMPLOYERWHY NOW:

PENSIONSINVESTMENT

NOW: Pensions is with you every step of the way. We’re here to help you and your family build your pension savings and get the retirement you deserve. We believe in a pension system that benefits everyone.

Our story.

LOG IN TO MY ACCOUNT By default your account will be set up with your work email address (this is where you will receive your activation email containing your NOW: Pensions contract ID), but we recommend you change this to a personal email address to manage your account moving forwards. MY ANNUAL BENEFIT STATEMENT Go to: statements.nowpensions.com and enter your user ID and password. Remember, your password is case-sensitive. If you’ve forgotten your password, go to ‘Click reset forgotten password’ and set up a new one. Go to the ‘Menu’ button, then ‘New Document’. Select ‘View’ to open and read your benefit statement.

LATEST UNIT PRICES

Latest unit prices. Valuation Date. Diversified Growth Fund NOWF8130832. Retirement Countdown Fund (Series I) NOWF8130852. Retirement Countdown Fund (Series II) NOWF8130842. 26/05/21. 182.1277.

TBA. 123.5580.

COSTS AND CHARGES

Employer using a payroll bureau and NOW: Pensions Gateway. Number of active members. Basic monthly charge. 1-4. £12.50 + VAT. 5 and over. £20.00 + VAT. There is some flexibility with our costs. Please contact us on 0330 100 3336 (Monday to Friday, 9am to 5pm) to find out what kind of discounts might be available for your clients. BLANK CSV FILE TEMPLATE Only export files direct to Excel that are correctly formatted. Make any amendments before saving the file. Once the file’s complete, save as a .csv file and click ‘Yes’ to use that format. Close the document. When you’re prompted to save changes, click ‘No’. Your file is ready to upload. If you need a blank CSV file, you can HOW DO I OPT OUT OF THE SCHEME? The quickest way to opt out of the Scheme is using your member account at nowgatewayx.com. You’ll need your NOW: Pensions contract ID and date of birth to activate your account if you haven’t already done this. Log in to your account, select your job contract on the dashboard, select ‘Opt out’ and follow the on-screen instructions. YOUR BENEFIT STATEMENTS Is this your first time logging in? Simply enter your user ID and your temporary password. This is your National Insurance number (you can find this on your payslip). DIVERSIFIED GROWTH FUND FACTSHEET Diversified Growth Fund factsheet – March 2020. March 25, 2020. Portfolio overview. The quarter will always be remembered as the time when we started to face up to the unknown enemy of coronavirus. With the world responding to the global pandemic, investors have been trying to quantify the financial impact on the global economy. DIVERSIFIED GROWTH FUND Diversified Growth Fund As at 31 December 2020 Five Year Member Returns 01/01/2016 31/12/2016 01/01/2017 31/12/2017 01/01/2018 31/12/2018 01/01/2019 31/12/2019 MEMBERS - NOW: PENSIONS Email: membersupport@nowpensions.com. Write to: NOW: Pensions, Post Handling Centre, St James’s Tower, 7 Charlotte Street, Manchester M1 4DZ. Call: 0330 100 3334 from 9am to 5pm, Monday to Friday. We might record your call to help us improve our service to you. EMPLOYERS - NOW: PENSIONS In this kind of scheme, the employer must deduct 80% of employees’ pension contributions from their take-home pay (after income tax has been taken off). The pension scheme claims the tax relief from HM Revenue & Customs (HMRC) each month and pays it back to the employee. HMRC only sends back the basic rate of tax: 20%. CONTACT US - NOW: PENSIONS Members. Please email us at membersupport@nowpensions.com. To help us help you faster please quote your full name, address and National Insurance number in the email. You can also call our member support team on 0330 100 3334 from 9am to 5pm, Monday to Friday. When you call please give your full name, address and National Insurance number. HOW DO I ACTIVATE MY NOW: PENSIONS MEMBER ACCOUNT? Activate your account. Create a password to use on your account and confirm it. Click Activate my account. You’ll see your NOW: Pensions account home page which shows your NOW: Pensions contract ID for that employer. Email addresses. It’s helpful if you register an email address to activate and manage your account, as this allows us to

FINANCIAL ADVISERS

Dedicated support at the end of a phone. Our phone support team is UK-based, so your clients will always be able to talk to someone during working hours – 9am to 5pm, Monday to Friday. We’re also happy to answer your clients’ questions by email. Our well-trained team members have sound pensions knowledge. They’ll be able to

answer your

TRANSFER MY PENSION

Pension Wise has guidance on retirement options. If you’re over 50 you can book a phone or face-to-face appointment by calling 0800 138 3944. Citizens Advice has information about all types of pension. You can call 03444 111 444 for a face-to-face appointment. PARTICIPATION AGREEMENT The following clause is inserted below the table: Where minimum contribution rates for an employer and/or contribution dates are varied as a result of a change in the Automatic Enrolment Laws, the Schedule of Payments/Payments Schedule will be deemed updated to reflect the change from the effective date of the change. WHAT IS THE ORIGO TRANSFER SERVICE? Origo is an independent online transfer service for pension savings. Many pension providers, including us, use this service to transfer money securely and efficiently.It cuts down paperwork and speeds up transfer times. Whether you’re transferring pension savings into or out of our Scheme, it’s worth finding out if your other pension provider uses the Origo service. WHAT IS A MASTER TRUST? A master trust is a type of defined contribution (DC) pension scheme that lots of different employers take part in. Each employer has its own section. (There are some similar defined benefit (DB) schemes, but they’re not legally master trusts.) Master trusts are managed by a single trustee that makes decisions on behalf of all the members of EXPRESSION OF WISH FORM NOW: Pensions is registered in England and Wales as NOW Pensions Limited (No. 07766398), 6 Bevis Marks, London, EC3A 7BA. We are regulated by The Pensions Regulator and identifiable under the Pension Schemes Registry (PSR) under registration number 12005124 and HMRC reference number 00776316RJ. HOME - NOW: PENSIONSBLOGPRESSGATEWAY HELP CENTREEMPLOYERWHY NOW:

PENSIONSINVESTMENT

NOW: Pensions is with you every step of the way. We’re here to help you and your family build your pension savings and get the retirement you deserve. We believe in a pension system that benefits everyone.

Our story.

LOG IN TO MY ACCOUNT By default your account will be set up with your work email address (this is where you will receive your activation email containing your NOW: Pensions contract ID), but we recommend you change this to a personal email address to manage your account moving forwards. MEMBERS - NOW: PENSIONS Email: membersupport@nowpensions.com. Write to: NOW: Pensions, Post Handling Centre, St James’s Tower, 7 Charlotte Street, Manchester M1 4DZ. Call: 0330 100 3334 from 9am to 5pm, Monday to Friday. We might record your call to help us improve our service to you. LOGIN TO YOUR WORKPLACE PENSION PORTAL To access your account, click the login button below and simply enter your email address or Contract ID then enter your password. Login. If you're logging in for the first time, click here to find out how to activate your account. Login. You will need to be logged in to view

and

MY ANNUAL BENEFIT STATEMENT Go to: statements.nowpensions.com and enter your user ID and password. Remember, your password is case-sensitive. If you’ve forgotten your password, go to ‘Click reset forgotten password’ and set up a new one. Go to the ‘Menu’ button, then ‘New Document’. Select ‘View’ to open and read your benefit statement.

LATEST UNIT PRICES

Latest unit prices. Valuation Date. Diversified Growth Fund NOWF8130832. Retirement Countdown Fund (Series I) NOWF8130852. Retirement Countdown Fund (Series II) NOWF8130842. 26/05/21. 182.1277.

TBA. 123.5580.

YOUR BENEFIT STATEMENTS Is this your first time logging in? Simply enter your user ID and your temporary password. This is your National Insurance number (you can find this on your payslip). HOW DO I OPT OUT OF THE SCHEME? The quickest way to opt out of the Scheme is using your member account at nowgatewayx.com. You’ll need your NOW: Pensions contract ID and date of birth to activate your account if you haven’t already done this. Log in to your account, select your job contract on the dashboard, select ‘Opt out’ and follow the on-screen instructions. BLANK CSV FILE TEMPLATE Only export files direct to Excel that are correctly formatted. Make any amendments before saving the file. Once the file’s complete, save as a .csv file and click ‘Yes’ to use that format. Close the document. When you’re prompted to save changes, click ‘No’. Your file is ready to upload. If you need a blank CSV file, you can WHAT IS A MASTER TRUST? A master trust is a type of defined contribution (DC) pension scheme that lots of different employers take part in. Each employer has its own section. (There are some similar defined benefit (DB) schemes, but they’re not legally master trusts.) Master trusts are managed by a single trustee that makes decisions on behalf of all the members of HOME - NOW: PENSIONSBLOGPRESSGATEWAY HELP CENTREEMPLOYERWHY NOW:

PENSIONSINVESTMENT

NOW: Pensions is with you every step of the way. We’re here to help you and your family build your pension savings and get the retirement you deserve. We believe in a pension system that benefits everyone.

Our story.

LOG IN TO MY ACCOUNT By default your account will be set up with your work email address (this is where you will receive your activation email containing your NOW: Pensions contract ID), but we recommend you change this to a personal email address to manage your account moving forwards. MEMBERS - NOW: PENSIONS Email: membersupport@nowpensions.com. Write to: NOW: Pensions, Post Handling Centre, St James’s Tower, 7 Charlotte Street, Manchester M1 4DZ. Call: 0330 100 3334 from 9am to 5pm, Monday to Friday. We might record your call to help us improve our service to you. LOGIN TO YOUR WORKPLACE PENSION PORTAL To access your account, click the login button below and simply enter your email address or Contract ID then enter your password. Login. If you're logging in for the first time, click here to find out how to activate your account. Login. You will need to be logged in to view

and

MY ANNUAL BENEFIT STATEMENT Go to: statements.nowpensions.com and enter your user ID and password. Remember, your password is case-sensitive. If you’ve forgotten your password, go to ‘Click reset forgotten password’ and set up a new one. Go to the ‘Menu’ button, then ‘New Document’. Select ‘View’ to open and read your benefit statement.

LATEST UNIT PRICES

Latest unit prices. Valuation Date. Diversified Growth Fund NOWF8130832. Retirement Countdown Fund (Series I) NOWF8130852. Retirement Countdown Fund (Series II) NOWF8130842. 26/05/21. 182.1277.

TBA. 123.5580.

YOUR BENEFIT STATEMENTS Is this your first time logging in? Simply enter your user ID and your temporary password. This is your National Insurance number (you can find this on your payslip). HOW DO I OPT OUT OF THE SCHEME? The quickest way to opt out of the Scheme is using your member account at nowgatewayx.com. You’ll need your NOW: Pensions contract ID and date of birth to activate your account if you haven’t already done this. Log in to your account, select your job contract on the dashboard, select ‘Opt out’ and follow the on-screen instructions. BLANK CSV FILE TEMPLATE Only export files direct to Excel that are correctly formatted. Make any amendments before saving the file. Once the file’s complete, save as a .csv file and click ‘Yes’ to use that format. Close the document. When you’re prompted to save changes, click ‘No’. Your file is ready to upload. If you need a blank CSV file, you can WHAT IS A MASTER TRUST? A master trust is a type of defined contribution (DC) pension scheme that lots of different employers take part in. Each employer has its own section. (There are some similar defined benefit (DB) schemes, but they’re not legally master trusts.) Master trusts are managed by a single trustee that makes decisions on behalf of all the members of MEMBERS - NOW: PENSIONS Email: membersupport@nowpensions.com. Write to: NOW: Pensions, Post Handling Centre, St James’s Tower, 7 Charlotte Street, Manchester M1 4DZ. Call: 0330 100 3334 from 9am to 5pm, Monday to Friday. We might record your call to help us improve our service to you. LOGIN TO YOUR WORKPLACE PENSION PORTAL To access your account, click the login button below and simply enter your email address or Contract ID then enter your password. Login. If you're logging in for the first time, click here to find out how to activate your account. Login. You will need to be logged in to view

and

CONTACT US - NOW: PENSIONS Members. Please email us at membersupport@nowpensions.com. To help us help you faster please quote your full name, address and National Insurance number in the email. You can also call our member support team on 0330 100 3334 from 9am to 5pm, Monday to Friday. When you call please give your full name, address and National Insurance number. EMPLOYERS - NOW: PENSIONS In this kind of scheme, the employer must deduct 80% of employees’ pension contributions from their take-home pay (after income tax has been taken off). The pension scheme claims the tax relief from HM Revenue & Customs (HMRC) each month and pays it back to the employee. HMRC only sends back the basic rate of tax: 20%.

GETTING STARTED

Getting started. You’ll be auto enrolled as soon as you qualify to join your employer’s workplace pension – these rules are set by the government and enforced by The Pensions Regulator. Even if you don’t qualify to be auto enrolled, you can ask to join the Scheme

and

HOW DO I ACTIVATE MY NOW: PENSIONS MEMBER ACCOUNT? Activate your account. Create a password to use on your account and confirm it. Click Activate my account. You’ll see your NOW: Pensions account home page which shows your NOW: Pensions contract ID for that employer. Email addresses. It’s helpful if you register an email address to activate and manage your account, as this allows us to PAGE 3 – NOW: PENSIONS Chancellor Rishi Sunak recently announced the latest updates to the Coronavirus Job Retention Scheme (CJRS). The key change is that businesses are now encouraged to bring back employees to work part-time from 1 July 2020. OUR KEY FEATURES LEAFLET NOW: Pensions is registered in England and Wales as NOW Pensions Limited (No. 07766398), 6 Bevis Marks, London, EC3A 7BA. We are regulated by The Pensions Regulator and identifiable under the Pension Schemes Registry (PSR) under registration number 12005124 and HMRC reference number 00776316RJ. OUR INVESTMENT STRATEGY Our investment strategy is designed using two investment funds, one targeting long-term growth and one aimed at protecting the value of built-up pension savings. Members’ pension savings are gradually switched from one to the other starting 15 years before their target retirement age. The Diversified Growth Fund (DGF) targets stable

long-term

PAGE 5 – NOW: PENSIONS Back. Payroll bureaus. Here you'll find all the information you need on auto enrolment, workplace pensions, your employer's responsibilities and how we can help your business become a first class workplace pension provider for your staffs.

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> NOW: Pensions has a good technical infrastructure combined with a > pension product suitable for our team. We couldn’t be happier with

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Martin Woods, SALT.agency > NOW: Pensions was attractive to us because the staff were very > helpful and they sent over all the information required. This made > the decision easy. Metro Surveillance Group Ltd > Our broker recommended NOW: Pensions, as they believed it would be > our best option. We have not been disappointed, the NOW: Pensions > customer support teams are great and always available. Bromborough Paint & Building Supplies Ltd

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