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AS FEATURED IN The Telegraph BBC Daily Mail The Sunday Times

IMPORTANT INFORMATION
This advertisement is issued by HPBM registered at HPB House, Newmarket, Suffolk, CB8 8EH. HPBM is authorised and regulated by the Financial Conduct Authority and is the main UK agent and the property manager for HPB, issued by HPB Assurance Limited ("HPBA") registered in the Isle of Man and authorised by the Financial Services Authority there. The Trustee of HPB is HSBC Trustee (C.I.) Limited registered at HSBC House, Esplanade, St Helier, Jersey, JE1 1GT. The Securities Manager is Stanhope Capital LLP of 35 Portman Square, London, W1H 6LR.

You should only invest in HPB for its holiday benefits – consistent quality and a no profit "user charge" to cover costs rather than a commercial rent. Although you can surrender your investment back to the company after two years or more you should not expect a full return of what you have paid. What you get back will reflect initial and ongoing charges and costs as well as changes in the value of the properties and securities in the fund in which your money, after charges, is invested. A summary of initial and ongoing charges is in section E of the Product Particulars. Exceptionally surrender may be deferred up to twelve months. Minimum initial payment £5,000 and then a quarterly fee of around thirty pounds linked to RPI. No medical examination required. HPB is available exclusively through HPBM who will only charge for their services if you invest.

HPBM advises only on HPB and is not independent of HPBA. Holders of policies issued by HPBA will not be protected by the Financial Services Compensation Scheme if the company becomes unable to meet its liabilities to them but Isle of Man compensation arrangements apply to new policies.

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