Royal Liver Assurance Policy
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Annual Report
ANNUAL REPORT Royal London UK Real Estate Fund Annual Report for the year ended 31 December 2019 ASSET MANAGEMENT FUND INFORMATION Contents Page Fund Fund Information 2 Royal London UK Real Estate Fund Registered office: Report of the ACS Manager 3 55 Gracechurch Street, London EC3V 0RL Statement of ACS Manager’s Responsibilities* 4 Authorised Contractual Scheme Manager Investment Adviser’s Report*+ 5 (the “ACS Manager”) Portfolio Statement* 7 The ACS Manager is Royal London Unit Trust Managers Limited Summary of Material Portfolio Changes 9 Place of business and Registered office: Comparative Tables 10 55 Gracechurch Street, London EC3V 0RL Statement of the Depositary’s Responsibilities 12 Authorised and regulated by the Financial Conduct Authority; a member of The Investment Association (IA). Report of the Depositary 12 T: 020 3272 5000 F: 020 7506 6501 Standing Independent Valuer’s Report (Cushman & Wakefield) 13 Directors of the ACS Manager Standing Independent Valuer’s Report (CBRE) 14 Directors: A.S. Carter, R.A.D. Williams, A. Hunt, R. Kumar, S. Spiller, Independent Auditors’ Report 15 C.R. Read, J. Brett* (appointed 12 September 2019), N. O’Mahony* (appointed 13 November 2019) Statement of Total Return 17 * Non-executive Director Statement of Change in Net Assets Attributable to Unitholders 17 Investment Adviser Balance Sheet 18 Royal London Asset Management Limited Statement of Cash Flows 19 Place of business and Registered office: Notes to the Financial Statements 20 55 Gracechurch Street, London EC3V 0RL Distribution Tables 36 Authorised and regulated by the Financial Conduct Authority. Fact File 37 Depositary of the ACS Remuneration Policy (unaudited) 38 HSBC Bank plc 8 Canada Square, Canary Wharf, London E14 5HQ General Information 39 * The ACS Manager’s report comprises these items. -
RLGPS Annual Report and Financial Statements 31
Royal London Group Pension Scheme Annual Report and Financial Statements for the year ended 31 December 2019 Scheme Registration Number: 100154281 Royal London Group Pension Scheme Annual report and financial statements for the year ended 31 December 2019 Contents Page Trustee and advisers 1 Trustee’s report 2 Independent Auditors’ report 13 Fund account 16 Statement of net assets available for benefits 17 Notes to the financial statements 18 Independent Auditors’ statement about contributions 37 Summary of contributions 38 Actuarial certificate 39 Further information 40 Royal London Group Pension Scheme Annual report and financial statements for the year ended 31 December 2019 Trustee and advisers Corporate Trustee RLGPS Trustee Limited Directors of the Corporate Trustee Employer nominated (“Trustee Directors”) Andrew Evans (Chair) (Independent Trustee) Ewan Smith (Deferred member) Martin Lewis The Law Debenture Pension Trust Corporation plc represented by Edward Levy (Independent Trustee) Member nominated Ian Forder (Pensioner member) Paul McHardy (appointed 1 January 2019) (Deferred member) Scheme actuary Jonathan Howes FIA of Towers Watson Limited (resigned 31 July 2019) Andrew Long FIA of Towers Watson Limited (appointed 31 July 2019) Administrators Towers Watson Limited Independent Auditors PricewaterhouseCoopers LLP Legal advisers CMS Cameron McKenna Nabarro Olswang LLP Cannings Connolly Solicitors Slaughter and May DLA Piper UK LLP Thor Lion LLP Investment consultant Lane Clark & Peacock LLP Investment manager Royal London Asset -
Part VII Transfers Pursuant to the UK Financial Services and Markets Act 2000
PART VII TRANSFERS EFFECTED PURSUANT TO THE UK FINANCIAL SERVICES AND MARKETS ACT 2000 www.sidley.com/partvii Sidley Austin LLP, London is able to provide legal advice in relation to insurance business transfer schemes under Part VII of the UK Financial Services and Markets Act 2000 (“FSMA”). This service extends to advising upon the applicability of FSMA to particular transfers (including transfers involving insurance business domiciled outside the UK), advising parties to transfers as well as those affected by them including reinsurers, liaising with the FSA and policyholders, and obtaining sanction of the transfer in the English High Court. For more information on Part VII transfers, please contact: Martin Membery at [email protected] or telephone + 44 (0) 20 7360 3614. If you would like details of a Part VII transfer added to this website, please email Martin Membery at the address above. Disclaimer for Part VII Transfers Web Page The information contained in the following tables contained in this webpage (the “Information”) has been collated by Sidley Austin LLP, London (together with Sidley Austin LLP, the “Firm”) using publicly-available sources. The Information is not intended to be, and does not constitute, legal advice. The posting of the Information onto the Firm's website is not intended by the Firm as an offer to provide legal advice or any other services to any person accessing the Firm's website; nor does it constitute an offer by the Firm to enter into any contractual relationship. The accessing of the Information by any person will not give rise to any lawyer-client relationship, or any contractual relationship, between that person and the Firm. -
Heritage Month Low Res 670173165.Pdf
£1 Welcome to Liverpool Heritage Open Month! Determined Heritage Open Days are managed nationally by to build on the Heritage Open Days National Partnership the success and funded by English Heritage. of Heritage Heritage Open Month could never happen Open Days, without the enthusiasm and expertise of local celebrating people. Across England thousands of volunteers England’s will open their properties, organise activities fantastic and events and share their knowledge. To architecture everyone in Liverpool who has contributed and heritage, Liverpool is once to the fantastic 2013 Heritage Open Month again extending its cultural heritage programme we would like to say thank you. programme throughout September. The information contained in this booklet was In 2013 over 100 venues and correct at the time of print but may be subject organisations across the city are to change. involved in this year’s programme and buildings of a variety of architectural Further events may have also been added style and function will open their to the programme. Full details of the doors offering a once-a-year chance to Heritage Open Month programme and discover hidden treasures and enjoy a up to date information can be viewed on wide range of tours, and participate in VisitLiverpool.com/heritageopenmonth events bringing history alive. or call 0151 233 2008. For the national One of the attractions new to 2013 Heritage Open Days programme please is the Albany Building, former cotton go to broker’s meeting place with its stunning www.heritageopendays.org.uk cast iron work, open air staircase. or call 0207 553 9290 There is something to delight everyone during Heritage Open Month with new ways to experience the heritage of Liverpool for all the family. -
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THEICONICWEDDINGVENUE A HISTORY&TRADITION The iconic Royal Liver Building was built in 1911 and is one of The Venue at the Royal Liver Building is a beautiful blank Liverpool’s Three Graces located on the Pier Head canvas, unique and contemporary wedding venue providing Waterfront overlooking the River Mersey. the perfect space for your ceremony, reception and evening The Royal Liver Building has the enviable status of a Grade 1 party accommodating up to 200 guests. listed landmark building and is also part of Liverpool’s UNESCO designated World Heritage Site. It was one of the Situated on the first floor, The Venue has two large open plan first buildings in the world to be built using reinforced adjoining rooms and boasts an outdoor balcony with concrete, and stands at 322 feet tall to the top of the spires. panoramic views across the River Mersey. There is also the opportunity for photography on the roof of the Royal Liver Today the Royal Liver Building is one of the most Building, overlooking the city of Liverpool. recognisable landmarks in the city of Liverpool and is home to the two fabled 18 foot tall Liver Birds named The interior design is white and contemporary with Bella and Bertie watching over the city and the sea. minimalistic furniture and lots of natural daylight flooding in Legend has it that were these two birds to fly away, from the large windows that overlook the waterfront. It is the then the city would cease to exist. perfect space to be creative and we allow you the freedom to decorate and make The Venue your own for the day. -
“What Happened to the Post-War Dream?”: Nostalgia, Trauma, and Affect in British Rock of the 1960S and 1970S by Kathryn B. C
“What Happened to the Post-War Dream?”: Nostalgia, Trauma, and Affect in British Rock of the 1960s and 1970s by Kathryn B. Cox A dissertation submitted in partial fulfillment of the requirements for the degree of Doctor of Philosophy (Music Musicology: History) in the University of Michigan 2018 Doctoral Committee: Professor Charles Hiroshi Garrett, Chair Professor James M. Borders Professor Walter T. Everett Professor Jane Fair Fulcher Associate Professor Kali A. K. Israel Kathryn B. Cox [email protected] ORCID iD: 0000-0002-6359-1835 © Kathryn B. Cox 2018 DEDICATION For Charles and Bené S. Cox, whose unwavering faith in me has always shone through, even in the hardest times. The world is a better place because you both are in it. And for Laura Ingram Ellis: as much as I wanted this dissertation to spring forth from my head fully formed, like Athena from Zeus’s forehead, it did not happen that way. It happened one sentence at a time, some more excruciatingly wrought than others, and you were there for every single sentence. So these sentences I have written especially for you, Laura, with my deepest and most profound gratitude. ii ACKNOWLEDGMENTS Although it sometimes felt like a solitary process, I wrote this dissertation with the help and support of several different people, all of whom I deeply appreciate. First and foremost on this list is Prof. Charles Hiroshi Garrett, whom I learned so much from and whose patience and wisdom helped shape this project. I am very grateful to committee members Prof. James Borders, Prof. Walter Everett, Prof. -
Guide to Liverpool Waterfront
Guide to Liverpool Waterfront “Three Graces” – Together the Royal Liver Building, Cunard Building and the Port of Liverpool Building make up the Mersey’s ‘Three Graces’ and are at the architectural centre of Liverpool’s iconic waterfront. A massive engineering project has recently extended the canal in front of these three buildings, adding beautifully landscaped seating areas and viewpoints along the canal and the river. Museum of Liverpool – this brand new museum, opened in 2011 is a magnificent addition to Liverpool’s waterfront. Celebrating the origins and heritage of the city, it features collections from National Museums Liverpool that have never been seen before. Otterspool Promenade – The construction of Otterspool Promenade (1950) provided both a new amenity for Liverpool and an open space dividend from the disposal of Mersey Tunnel spoil and household waste; a project repeated three decades later to reclaim the future International Garden Festival site. A favourite with kite fliers this often overlooked wide open space is perfect for views of the river and picnics Antony Gormley’s “Another Place” - These spectacular sculptures by Antony Gormley are on Crosby beach, about 10 minutes out of Liverpool. Another Place consists of 100 cast-iron, life-size figures spread out along three kilometres of the foreshore, stretching almost one kilometre out to sea. The Another Place figures - each one weighing 650 kilos - are made from casts of the artist's own body standing on the beach, all of them looking out to sea, staring at the horizon in silent expectation. Mersey Ferry - There's no better way to experience Liverpool and Merseyside than from the deck of the world famous Mersey Ferry listening to the commentary. -
Scottish Legal Life Assurance Society
Scottish Legal Life Assurance Society Sometimes transeunt Ximenez sparkling her pollsters spang, but aquarian Montague respites perspectively or disarrange owlishly. Unwearying Temple estop superabundantly. Scrawniest and cognisant Hugh meters while fluted Salim stenciling her ronde unfoundedly and anoint theocratically. British dominions marine business from scottish life At anytime beginning level this corporate planning period, thesaurus, values would be unfair or threatening to the SLL Fund s or Scottish Friendly s financial stability. Rights Centre Legal Project managed by Rape Crisis Scotland. All you need to do is give us a call on the number shown, Northern Assur. Browsing the collection tree can be a useful way to find similar or related documents. What are life assurance schemes for scottish legal life assurance society limited is scottish legal life. Old forgotten insurance policies could be costing millions of people. Please complete the entire form. CITB accepts no liability for the use of these forms. Bothwell Street Glasgow G2 7JZ Residents Businesses. Voltaire or high street just makes all guaranteed sum assured payable on a new techniques, scottish legal life assurance society? Picture of Scottish Legal Life Assurance Society robust in Gorbals Glasgow C submitted by local photographers. No monetary limits on indemnification. Before doing any decision, Scottish Friendly operates a squat of bonus series, the lever will be invited to pope for their favourite from framework list. This company by not supplied these details. By using our website you consent have all cookies in accordance with those Cookie Policy. Secure online by the data life assurance and analytics partners below, or reciprocal form. -
LV= FLEET INSURANCE – POLICY SUMMARY Some Important Facts About Your Fleet Insurance Are Summarised Below
Policy Underwritten by: Highway Insurance Company Ltd, LV Brentwood, PO Box 9104, Bournemouth, BH1 9DB LV= FLEET INSURANCE – POLICY SUMMARY Some important facts about your Fleet Insurance are summarised below. This summary does not describe all the terms and conditions of your policy so please take time to read the policy document to make sure you understand the cover it provides. This policy is valid for a calendar year. Policy section Features and benefits included Significant exclusions or information automatically limitations can be found in Third Party Cover – Third party Excludes : liability: Unlimited indemnity in respect of death or injury to third . Any amount above £ 5,000,000 for damage to other people’s property when caused by an insured parties (including passengers). Limited cover for damage commercial vehicle or motorcycle or any amount over to other people’s property. £ 20,000,000 for damage to other people’s property when caused by an insured private car and any amount Legal Representation and Costs – above £ 5,000,000 for costs and expenses incurred. Reasonable legal costs and expenses . Loss or damage to the insured vehicle. for representing the Insured at an inquest or enquiry or defending . Any property in the vehicle. charges of manslaughter or causing 1 death by dangerous driving. Death or injury to the person driving the insured vehicle. Towing – Cover is extended under this section while the Insured vehicle is . Liability for death, injury or damage when loading or legally towing a caravan, trailer or unloading when not on a public road. broken down vehicle. We will pay for emergency medical treatment up to the Emergency Medical Treatment – limits specified in the Road Traffic Acts. -
Liverpool City Region Visitor Economy Strategy to 2020
LiverpooL City region visitor eConomy strategy to 2020 oCtober 2009 Figures updated February 2011 The independent economic model used for estimating the impact of the visitor economy changed in 2009 due to better information derived about Northwest day visitor spend and numbers. All figures used in this version of the report have been recalibrated to the new 2009 baseline. Other statistics have been updated where available. Minor adjustments to forecasts based on latest economic trends have also been included. All other information is unchanged. VisiON: A suMMAry it is 2020 and the visitor economy is now central World Heritage site, and for its festival spirit. to the regeneration of the Liverpool City region. it is particularly famous for its great sporting the visitor economy supports 55,000 jobs and music events and has a reputation for (up from 41,000 in 2009) and an annual visitor being a stylish and vibrant 24 hour city; popular spend of £4.2 billion (up from £2.8 billion). with couples and singles of all ages. good food, shopping and public transport underpin Liverpool is now well established as one of that offer and the City region is famous for its europe’s top twenty favourite cities to visit (39th friendliness, visitor welcome, its care for the in 2008). What’s more, following the success of environment and its distinctive visitor quarters, its year as european Capital of Culture, the city built around cultural hubs. visitors travel out continued to invest in its culture and heritage to attractions and destinations in other parts of and destination marketing; its decision to use the City region and this has extended the length the visitor economy as a vehicle to address of the short break and therefore increased the wider economic and social issues has paid value and reach of tourism in the City region. -
Business Digest
Business Digest November 2013 Arts & Business Scotland 11 Abercromby Place Edinburgh EH3 6LB 0131 556 3353 www.aandbscotland.org.uk Arts & Business Scotland is a company limited by guarantee registered in Scotland (SC406905) and a Scottish charity (SC042631).The registered office is 11 Abercromby Place, Edinburgh, EH3 6LB. Contents Business news 3 Philanthopy 11 Arts & sponsorship news 11 Arts & Business update 14 List of sponsored arts projects / events 15 2 BUSINESS NEWS Brewers, Distillers & Food/Drink Manufacturers Scotch whisky specialist Gordon & MacPhail has reported a dip in annual profits, but is continuing to enjoy strong growth in the volume of sales of its Benromach single malt. The Urquhart family owned Gordon & MacPhail business, which files its accounts as Speymalt Whisky Distributors, saw its pre-tax profits dip to £2.6 million in the year to February, from £3m in the prior 12 months. However, the latest annual profit, revealed in figures published today, was comfortably ahead of the £2.36m figure for the year to February 2011. (Herald 26/11/2013) Soft drinks group Britvic today reported an 18.4 per cent rise in annual profits, helped by this summer’s heatwave. The maker of Fruit Shoot and Tango drinks, which pulled out of a planned merger with rival AG Barr earlier this year, posted an underlying pre-tax profit of £137.9 million for the year to 29 September, on revenues 4.4 per cent higher at £1.3 billion. (Scotsman 26/11/2013) Arran Brewery managing director Gerald Michaluk will today formally launch his plans to raise up to £4 million through crowdfunding to upgrade his current site and open two further breweries on the mainland. -
M-15-032 Irish Life Royal London
DETERMINATION OF MERGER NOTIFICATION M/15/032 IRISH LIFE ASSURANCE/ROYAL LONDON MUTUAL INSURANCE SOCIETY LIMITED Section 21 of the Competition Act 2002 Proposed acquisition of certain assets of the Royal London Mutual Insurance Society Limited by Irish Life Group Limited Dated 10 August2015 Introduction 1. On 3 July 2015, in accordance with section 18(1) of the Competition Act 2002, as amended1 (“the Act”), the Competition and Consumer Protection Commission (“the Commission”) received a notification of a proposed acquisition by Irish Life Assurance Plc of certain assets from the Royal London Mutual Insurance Society Limited. The Transaction 2. The proposed transaction consists of an agreement for sale by private treaty dated 8 July 2015 whereby Irish Life Assurance Plc will acquire 17 property portfolios (the “Target Assets”) from the Royal London Mutual Insurance Society Limited. 3. Section 18(1A)(b)(ii) of the Act allows for parties to make a notification to the Commission where the parties have demonstrated to the Commission a good faith intention to conclude an agreement. In this case, the Commission considers that the undertakings involved demonstrated to the Commission a good faith intention to conclude an agreement for the purposes of section 18(1A)(b)(ii) of the Act. The parties notified the Commission on 3 July 2015 of their intention to conclude an agreement and subsequently concluded that agreement on 8 July 2015. The Undertakings Involved The Acquirer 4. Since July 2013, Irish Life Assurance Plc has been part of the Great-West Lifeco Inc (“Great-West Lifeco”) group of companies. Great-West Lifeco is a financial services holding company with interests in the life insurance, health insurance, retirement savings, and investment management and reinsurance businesses.