For employer use only.

Automatic Enrolment Agreement

Please complete all of the information below using capital letters and black ink (if not completing electronically). All fields are mandatory except where indicated on page 5.

Employer name (‘the Employer’) Registered address

Company number

Scheme name (‘the Scheme’) Scheme number (existing schemes only) The scheme is provided by Aviva Life & UK Limited (company number 3253947) (referred to as “Aviva”). The registered office address of Aviva is Wellington Row, York YO90 1WR Scheme default investment option By ticking the box below the Employer agrees to adopt the Default Investment Solution and supporting fund range for this scheme.

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Introduction Contribution Data is the payroll data required by Aviva to identify and allocate the Contributions. Aviva is the provider of the Scheme and the Policy. Contributions is as defined in clause 2 of this agreement. In order for the Employer to use the Scheme for Automatic Enrolment purposes as a Qualifying Scheme (under sections Default Investment Solution means the Aviva My Future 26 and 27 (as applicable) of the ), there in-house default investment option (or a suitable must be an agreement in place regarding the level of alternative default investment solution Aviva may contributions paid into the Policy by the Employer and the provide in place of MyFuture as determined by Aviva at Jobholder. This agreement therefore sets out the terms its sole discretion) and supporting fund range agreed between Aviva and the Employer. established by Aviva at the request of the Employer, and in relation to which the Employer may be liable to In addition, the Scheme must satisfy the conditions laid out in pay an annual Fee. section 17(2) of the Pensions Act 2008, which requires a default investment option to be made available to Jobholders who are Duties Start date is as defined under Regulation members of the Scheme and have a Policy with Aviva. 2(8) or regulation 4 of the Employers’ Duties (Implementation) Regulations 2010, as applicable in This agreement sets out the terms and conditions upon which relation to the Employer. Aviva will provide the Scheme for Automatic Enrolment and the Default Investment Solution. DWP Guidance means the guidance produced by the Department for Work and Pensions (DWP) entitled The Parties hereby agree to be bound by the terms of this ‘Guidance for offering a default option for defined agreement with effect from the Effective Date. Aviva reserves the contribution automatic enrolment pension schemes’ right at its sole discretion to cease to provide the Scheme for and dated May 2011. Automatic Enrolment purposes. Effective Date means the date that Aviva notifies its 1 Definitions acceptance to the Employer following receipt of the agreement signed by the Employer. 1.1 Words starting in uppercase have the meaning set out below. Eligible Jobholder means a person who meets the requirements of sections 1(1) and 3(1) of the Pensions Alternative Requirements means the method of Act 2008 in relation to the Employer. certifying a scheme as meeting the qualifying requirements as defined in Part 7A of The Occupational Entitled Worker means a person who meets the and Personal Pension Schemes (Automatic Enrolment) requirements of section 9(1) of the Pensions Act 2008 Regulations 2010. in relation to the Employer and who has joined the Scheme in accordance with section 9(2) of the Automatic Enrolment means the process by which the Pensions Act 2008. Employer enrols Jobholders into a Qualifying Scheme as required under Automatic Enrolment Regulations. Fee means the fee payable by the Employer to Aviva in relation to the provision of the Default Investment Automatic Enrolment Regulations means the Solution. All amounts quoted by Aviva to the Employer provisions relating to pension scheme membership are the VAT exclusive amount of the Fee. If the supplies for Jobholders set out in Chapter 1 of the Pensions Act by Aviva under this Agreement are subject to VAT 2008, as amended, and supporting secondary (whether or not Aviva has charged any other Fee to the legislation (including but not limited to The Occupational Employer), the Employer shall pay to Aviva an amount and Personal Pension Scheme (Automatic Enrolment) equal to such VAT in addition to any other Fee (if any) Regulations 2010), all as amended from time to time. payable. Aviva means Aviva Life & Pensions UK Limited Indirect Losses means (a) any punitive or exemplary (company number 3253947). A private company limited damages or any losses that are not reasonably by shares and registered in England with a registered foreseeable, (b) any indirect loss of profits, business, office address of Wellington Row, York, YO90 1WR, as anticipated savings, goodwill or reputation, and (c) any indicated on the first page of these Terms. other indirect, special or consequential loss or damage Confirmation Letter means the letter from Aviva that of any kind whatsoever. acknowledges receipt of this agreement and, confirms Jobholder means an Eligible Jobholder or a the Scheme is able to use a Default Investment Non‑Eligible Jobholder. Solution.

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Losses means all losses, claims, liabilities, costs, 1.2 Except as expressly provided in this agreement, any reasonable expenses (including legal fees, disbursements express reference to an enactment (which includes and costs of investigation), demands, amounts paid in any legislation in any jurisdiction) includes references settlement (except for those that represent any to (a) that enactment as amended, consolidated or Contributions), penalties (including any fines or related re‑enacted by or under any other enactment before penalties imposed by a regulatory authority), interest and or after the date of this Agreement; (b) any enactment damages, but shall exclude Indirect Losses. which that enactment re-enacts (with or without Non-Eligible Jobholder means a person who meets modification); and (c) any subordinate legislation the requirements of section 1(1) of the Pensions Act (including regulations) made (before or after the 2008 in relation to the Employer and who has opted date of this agreement) under that enactment, as into membership of the Scheme in accordance with amended, consolidated or re-enacted as described section 7 of the Pensions Act 2008. in (a) or (b) above. Opt Out Notice means a notice given by a Jobholder 2 Contributions and data in accordance with regulation 9 of the Occupational and Personal Pension Schemes (Automatic Enrolment) 2.1 The Employer undertakes that it will make Regulations 2010. Contributions to each Policy in respect of each Jobholder at the rate specified in section 26(4) of the Opt Out Period means the period referred to in Pensions Act 2008, being equal to or more than 3% of regulation 9(2) of the Occupational and Personal the amount of the Jobholder’s Qualifying Earnings in Pension Schemes (Automatic Enrolment) the relevant pay reference period; or the equivalent Regulations 2010. percentages as detailed in the Transitional Parties means together, Aviva and the Employer. Arrangements or Alternative Requirements. Policy means the pension policy between the 2.2 The Employer shall collect the Contributions from the Jobholder or Entitled Worker, who has become a Jobholder and pay them to the Policy at a rate at least member of the Scheme, and Aviva. equal to the Shortfall. The Employer shall collect Qualifying Earnings is as defined in section 13 of the Contributions from an Entitled Worker and pay them Pensions Act 2008. to the Policy at the rate agreed with the Employer. Both Qualifying Scheme means a scheme that satisfies as more particularly set out in the Policy. the conditions set out in section 16 of the Pensions 2.3 The requirement to make the Contributions in clause Act 2008. 2.1 and 2.2 continues for so long as the Jobholder Scheme means the name of the pension scheme to remains a Jobholder and has not opted out of active which this agreement relates, and which is set out on membership of the Scheme, or elected to no longer the front page of this agreement. pay the minimum Contributions required in the Automatic Enrolment Regulations. Shortfall means the difference (if any) between the Employer contribution into the Scheme in respect of 2.4 The Employer shall collect the Contributions made the Jobholder under clause 2.1 of this agreement, and in accordance with this clause 2 (‘the Contributions’), the minimum percentage of the Jobholder’s Qualifying which shall be paid in accordance with the Personal Earnings or the equivalent percentages as detailed in Pension Schemes (Payments by Employers) the Alternative Requirements, or if contribution levels Regulations 2000. The Contributions, Jobholder are being phased in by utilising the transitional Contribution Data and Entitled Worker Contribution provisions in section 29 of the Pensions Act 2008 the Data shall be retained by the Employer until the relevant percentages for those transitional periods. earlier of the end of the Opt Out Period or, where a valid Opt Out Notice is received, the date of refund Transitional Arrangements means those to the Jobholder or Entitled Worker. The Employer arrangements outlined in sections 29 and 30 of the undertakes to ensure the safe keeping of the Pensions Act 2008. Contributions, and to make clear to the Jobholder UK Residents means individuals who are resident and and/or Entitled Worker that until such time as the ordinarily resident in the (UK) and Contributions are passed and received by Aviva, or whose address is a UK address. refunded to the Jobholder or Entitled Worker, the Employer is responsible and liable in all respects to the Jobholder and/or Entitled Worker and Aviva for those Contributions.

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2.5 The Employer shall, after the end of the Opt Out eriodP 5 Employer obligations in respect of each Jobholder and/or Entitled Worker who has not opted out of the Scheme, within the 5.1 Aviva will only accept Jobholders or Entitled Workers timescales detailed in the Pensions Act 2008 and the into the Scheme as members if these individuals are , send the Contributions, Jobholder UK Residents. The Employer undertakes not to enrol and Entitled Worker data to Aviva. non-UK Residents into the Scheme. 2.6 On receipt of the Contributions and Contribution Data, 5.2 The Employer shall inform all Jobholders or Entitled Aviva will invest them in the Default Investment Workers that some of the communications issued in Solution in respect of the Jobholder or Entitled Worker, respect of Automatic Enrolment into the Scheme require unless the Jobholder or Entitled Worker has selected access to the internet and where a Jobholder or Entitled an alternative fund or funds for the investment of the Worker email address is held, email will be Aviva’s Contributions as more particularly set out in the Policy. preferred method of communication. The communication issued by the Employer to Jobholders or Entitled Workers 2.7 Any Contributions that are submitted to Aviva by the shall request that anyone without internet access informs Employer prior to the end of the relevant Jobholder’s their Employer. and/or Entitled Worker’s Opt Out Period will be returned to the Employer for resubmission by the Employer after 5.3 The Employer must notify Aviva if any Jobholder or the Opt Out Period has come to an end. Entitled Worker requests receipt of paper documents. 2.8 On receipt of a valid Opt Out Notice, or notification of 5.4 The Employer shall pay the applicable Fee as notified the receipt of a valid Opt Out Notice by Aviva, the by Aviva to the Employer in relation to the Default Employer shall refund any Contributions deducted Investment Solution. The Employer confirms and from the relevant Jobholder’s and/or Entitled Worker’s agrees that it shall pay the Fee in accordance with the pay within one month of the date on which the timescales set out in the invoice from Aviva and that Jobholder and/or Entitled Worker gave the Opt Out failure to do so shall entitle Aviva to terminate this Notice, or otherwise in accordance with the Automatic agreement on 30 days written notice. Enrolment Regulations. 5.5 Except where the Employer has entered into a separate agreement with Aviva, the Employer is responsible for 3 Direct payment arrangements printing and distributing the communications to all 3.1 The Employer confirms that there are direct payment Jobholders or Entitled Workers either in accordance with arrangements (within the meaning of section 111A of the Automatic Enrolment Regulations or as directed by the ) between the Jobholder Aviva in order to comply with the Financial Conduct or Entitled Worker and the Employer. Authority (or any organisations which replace it) disclosure and product information requirements. 4 Default Investment Solution 5.6 The Employer confirms and undertakes that they 4.1 Aviva will provide the Default Investment Solution and have taken all appropriate steps required to ensure supporting fund range for which the employer agrees compliance with Data Protection law in respect of each to pay any annual Fee that may be invoiced. Jobholder and/or Entitled Worker who is a prospective 4.2 Aviva confirms that the Default Investment Solution member of the Scheme before submitting that data to has been designed with appropriate consideration of Aviva in respect of that individual. the profile of a wide range of Jobholders and Entitled 5.7 The Employer undertakes to provide details of any opt Workers and follows the principles described in the out, opt in, joining or Jobholder information (as defined DWP Guidance. in section 3 of the Occupational and Personal Pension 4.3 Aviva agrees to provide the Employer with details of Schemes (Automatic Enrolment) Regulations 2010) the Default Investment Solution as may be reasonably specified by Aviva as being required to enable Aviva to required from time to time and the Employer agrees to meet its regulatory obligations as the provider of the provide Aviva with details in respect of the Scheme and Scheme, or to enable Aviva to deal with enquiries from the Default Investment Solution in accordance with Jobholders or Entitled Workers who have become clause 5.7 or as otherwise might be reasonably members of the Scheme. Such information will be required by Aviva from time to time. provided on a monthly basis. If required, the Employer shall provide a copy of the Opt Out Notice completed by the Jobholder or Entitled Worker.

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5.8 The Employer shall provide Aviva with 120 days prior 8 Commencement and terms of this written notice if at any time, the Employer intends to reduce its contributions, in respect of any or all agreement Jobholders, where such a reduction will result in a 8.1 This agreement shall commence on the Effective Shortfall. If there is a Shortfall at the time this agreement is Date and shall automatically terminate on the date completed this clause does not apply. that the Employer ceases to use the Scheme as a Qualifying Scheme, or on the date set out in any notice 6 Overriding effect of this agreement of termination issued by Aviva under clause 5.4. 6.1 The terms of this agreement shall override any inconsistent provisions contained in any other 9 Limitation of liability agreement in respect of the Scheme between Aviva 9.1 Aviva shall not be liable to the Employer for any Losses and the Employer, and any terms and conditions of the (of whatsoever nature) arising from or relating to: Policy which Aviva has provided to the Employer, 9.1.1 the information set out within the Automatic Jobholder or Entitled Worker. Enrolment Regulations or any other data, documents or instructions or any other 7 General provisions information to be provided by the Employer to 7.1 A person who is not a party to this agreement has Aviva for the purposes of this agreement, or the no right under the Contracts (Rights of Third Parties) use of such information or any information or Act 1999 to enforce any terms of this agreement. data provided by an Employer; 7.2 This agreement is to be governed by and construed in 9.1.2 failure by the Employer to comply with accordance with English law. Any matter, claim or dispute Automatic Enrolment duties generally; arising out of or in connection with this agreement, whether contractual or non-contractual, is to be governed 9.1.3 inadvertent tax consequences such as loss of by and determined in accordance with English law. lifetime allowance protection. 7.3 This agreement may be entered into by the Parties in any number of counterparts. Each counterpart shall, when executed and delivered, be regarded as an original, and all the counterparts shall together constitute one and the same instrument. This agreement shall not take effect until it has been executed by both Parties.

Agreement If you are completing this form electronically, please print a copy with all other fields completed before providing a written signature. We, the Employer, hereby agree to the terms of this agreement: Name

Role in company

Signed for and on behalf of the Employer Date

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AV473732_AE130_NG08261_0820.indd 5 8/3/20 3:02 PM Aviva Life & Pensions UK Limited. Registered in England No. 3253947. Registered office: Aviva, Wellington Row, York, YO90 1WR. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 185896. Telephone 0345 602 9221 – calls may be recorded. www.aviva.co.uk Member of the Association of British Insurers.

AE130 NG08261 08/2020

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