You can close your Sharesave account and withdraw the money you’ve saved so far at any time. Remember, depending on your circumstances, you may lose any right to buy shares at the fixed Option Price if you close your account before completing the savings contract.

You can close your Sharesave account and withdraw your savings by calling us on 0345 1 200 300. Alternatively, you can write to us at: YBS Share Plans, Yorkshire House, Yorkshire Drive, Bradford, BD5 8LJ.

If you have been advised by your employing Company that your Sharesave administration has moved to another provider, please contact them to close your account.

Yes. If you’re experiencing short term financial difficulty you don’t have to close your account, you can choose to take a break from payments instead and still retain your right to buy shares at the fixed Option Price. You’ll have to make these payments up later though and your maturity date will be delayed by one month for each monthly payment you choose to defer.

In normal circumstances the maximum number of contributions you can defer is 12 and if you miss more than 12 monthly payments (or weekly equivalent), you’ll lose the right to buy shares at the fixed Option Price, but you’ll still be able to get your savings back.

If you want to take a payment holiday, please contact your Company Payroll in the first instance.

Please write to us at: YBS Share Plans, Yorkshire House, Yorkshire Drive, Bradford, BD5 8LJ with supporting evidence if you want us to change any of your personal details. Don’t forget to let your employing Company know about any changes as well.

We are also able to take change of detail instructions direct from your employer.

If YBS Share Plans administer your scheme, we’ll contact you 3-4 weeks before your Sharesave is about to mature, outlining the choices available to you and action you need to take. Your maturity letter will confirm your maturity date and other key details, including how to provide instructions. If you’ve missed any payments your maturity date will be delayed by one month for each monthly payment you’ve missed.

If you have been advised by your employing Company that your Sharesave administration has moved to another provider, you will be contacted by them regarding your maturity choices and action to take. YBS Share Plans will not contact you.

As soon as we receive notification from your employer that you’ve left the company, we’ll write to you confirming the choices available to you and any action you need to take.

In certain circumstances such as:

• Retirement
• Redundancy
• Injury or disability
• Transfer to another company under the Transfer of Undertakings (Protection of Employment) Regulations 2006
• A change of control of the company (e.g. takeover)

You’ll be allowed to buy a reduced number of shares at the Option Price within 6 months of leaving. You may also be able to contribute up to 6 more monthly payments (at your usual amount) during this period if your Scheme Rules allows it. This will increase the amount of money you have available to buy shares.

If you leave for another reason that results in you losing your option to buy shares at the Option Price, you’ll still be entitled to take back the savings you’ve made so far.

If you have been advised by your employing Company that your Sharesave administration has moved to another provider, you will be contacted by them regarding your choices and action to take. YBS Share Plans will not contact you.