{"text_format":"1","workbook":"xlsx","n_sheets":6,"sheets":["Menu","Creating a Quilter Trust CIB","Discounted Gift Trust","Loan Trust","Existing trust - CIB CIA","Designated Account"],"not_rendered":{"charts":0,"images":1,"macros":0,"external_links":0,"defined_names":0,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Menu","index":0,"n_rows":25,"n_cols":8,"rows_kept":25,"cut":false,"hidden":false,"merged":[[6,7,6,9],[24,2,25,6]]}
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[null,null,null,null,"Doing Trust Business with Quilter - Support Tool"]
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[null,null,"Type of trust you've recommended:",null,null,null,null,"View process"]
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[null,null,"Discretionary Trust (settlor excluded / included)"]
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[null,null,"Absolute Trust "]
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[null,null,"Probate Trust"]
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[null,null,"Lifestyle Trust "]
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[null,null,"Discounted Gift Trust (both types)"]
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[null,null,"Loan Trust (all types)"]
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[null,null,"Designated Account"]
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[null,null,"Trust already exists:"]
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[null,null,"Investment into a Collective Investment Bond (CIB) or Collective Investment Account (CIA)"]

{"sheet":"Creating a Quilter Trust CIB","index":1,"n_rows":63,"n_cols":12,"rows_kept":63,"cut":false,"hidden":false,"merged":[[62,2,62,3],[61,4,71,13],[5,2,6,13],[7,2,7,13],[9,2,11,13],[12,2,12,6],[12,7,12,8],[12,9,12,10],[12,11,12,13],[15,4,16,13],[59,4,59,13],[20,4,23,13],[29,4,29,9],[44,4,45,13],[26,4,28,13],[52,4,52,13],[32,4,35,13],[49,4,51,13],[55,4,58,13],[38,4,40,13]]}
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[null,null,"Creating a Quilter Trust (CIB only)"]
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[null,null,"This covers: Discretionary Trust (settlor excluded), Probate Trust, Absolute Trust & Lifestyle Trust. All trust deeds are available from our website"]
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[null,null,"View trust range including deeds - click for link"]
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[null,null,"Use the online completion notes for joint investors or individuals (as applicable) and supplementary notes for the CIB, available from our website. They will help you gather the information you need to apply online. Once you have the details you can logon and follow the steps below."]
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[null,null,"View online completion notes - click for link:",null,null,null,null,"Single",null,"Joint",null,"CIB supplement"]
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[null,null,null,null,"Create a client record for each settlor (the person creating the trust) and life assured.  For a Lifestyle Trust, neither the settlor or their spouse / civil partner can be a life assured."]
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[null,null,null,null,"Complete an online application for a Collective Investment Bond.\n– For joint settlors, start the application from the record of one of the settlors; you will then be able to select others from the records created in Step 1.\n– See also note i) below regarding initial fees."]
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[null,null,null,null,"Complete the relevant trust deed including the Tax Declaration and CoVI form for the trust - available from our website. Follow the notes for completing and dating contained in the deed."]
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[null,null,null,null,"View Tax Declaration & COVI - click for link"]
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[null,null,null,null,"Download and complete the Tax Declaration and CoVI form as well as the following as applicable to the\napplication: Fee authorisation record*, Cheque Remittance Advice Slip. The documents required will appear at the end of the online process."]
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[null,null,null,null,"Send the trust deed and payment to Quilter, as well as the Tax Declaration and CoVI form and any other applicable paperwork."]
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[null,null,null,null,"The CIB will be issued in the name of the settlor. Quilter will declare the trust and assign the bond into\nthat trust. See note ii) below."]
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[null,null,null,null,"Once the trust has been declared, the trustees must register within 90 days of the trust date.\nThe proof of registration document must be submitted to Quilter."]
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[null,null,null,null,"View A Step by Step Guide for Registering your Trust - click for link "]
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[null,null,null,null,"Where there is an ongoing servicing fee, complete a Fee authorisation record on behalf of the trust. The form is available on our website; it must be signed by all trustees and retained on your files.\nYou will need to submit the fee details online."]
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[null,null,null,null,"View Fee Authorisation Record online - click for link"]
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[null,null,null,null,"i) Where an adviser initial fee is requested, you can confirm online that your client has authorised the fee. A signed Fee authorisation record* must be obtained and kept on your files to fulfil our FCA obligation to obtain and validate clients’ instructions. We will request samples of these forms from you from time to time.\n*The form is available on our website, however, a personalised version can be printed during the online application process. Alternatively, if you are using our ‘Online Completion Notes’ (data capture form), you can use and retain that document to capture fee authorisation from the client, if preferred.\nii) Once in trust, the ownership of the bond changes as it is passed to the trustees. This means some\ninstructions will be cancelled and must be set up again (and re-authorised by the trustees). These include:\n– phased investment instructions                                                                                                                                                       – adviser ongoing servicing fees\n– portfolio investments (including MPS or DIM portfolios)\n– regular withdrawal instructions."]
[null,null,"Note -"]

{"sheet":"Discounted Gift Trust","index":2,"n_rows":47,"n_cols":10,"rows_kept":47,"cut":false,"hidden":false,"merged":[[5,2,6,13],[7,2,7,13],[17,4,18,13],[13,4,13,8],[25,4,25,8],[25,9,25,13],[9,4,12,13],[22,4,24,13],[28,4,30,13],[33,4,35,13],[46,2,46,3],[43,4,43,13],[45,4,50,13],[36,4,36,13],[39,4,42,13]]}
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[null,null,"Discounted Gift Trust (CIB only)"]
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[null,null,"Gift to a trust which provides regular fixed capital payments for the whole of the settlor(s) life or until the bond value exhausts "]
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[null,null,"View trust range including deeds - click for link"]
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[null,null,null,null,"Complete the paper form ‘Application for a Discounted Gift Trust with the Collective Investment Bond’ available from our website. Please note the instructions given on the first page of this form. Send the application to Quilter."]
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[null,null,null,null,"Application form for a DGT - click for link"]
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[null,null,null,null,"Quilter will review the health declarations and contact the settlor’s general practitioner for a medical report."]
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[null,null,null,null,"While step 2 is underway, prepare supporting documentation - Trust deed (see completion notes for guidance), Tax Declaration and CoVI form and a Fee authorisation record (see Step 6)."]
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[null,null,null,null,"View Tax Declaration & COVI - click for link",null,null,null,null,"View trust range including deeds - click for link"]
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[null,null,null,null,"Once underwriting processes are completed, we will advise you of the discount and next steps for investing into the Collective Investment Bond and declaring the trust."]
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[null,null,null,null,"Once the trust has been declared, the trustees must register within 90 days of the trust date.\nThe proof of registration document must be submitted to Quilter."]
[]
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[null,null,null,null,"View A Step by Step Guide for Registering your Trust - click for link "]
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[null,null,null,null,"Where there is an ongoing advice fee, complete a Fee authorisation record after the trust has been declared. The form is available on our website; it must be signed by all trustees and retained on your files. You will need to submit the fee details online."]
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[null,null,null,null,"View Fee Authorisation Record online - click for link"]
[]
[null,null,null,null,"Once in trust, the ownership of the bond changes as it is passed to the trustees. This means some instructions\nwill be cancelled and must be set up again (and re-authorised by the trustees). These include:\n– phased investment instructions\n– portfolio investments (including MPS or DIM portfolios)\n– regular withdrawal instructions."]
[null,null,"Note -"]

{"sheet":"Loan Trust","index":3,"n_rows":33,"n_cols":10,"rows_kept":33,"cut":false,"hidden":false,"merged":[[5,2,6,13],[7,2,7,13],[12,4,12,8],[31,4,36,13],[32,2,32,3],[18,4,18,8],[18,9,18,13],[22,4,22,13],[29,4,29,13],[9,4,11,13],[15,4,17,13],[26,4,28,13]]}
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[null,null,"Loan Trust (CIB only)"]
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[null,null,"Provides unrestricted access to the original capital invested, with future investment growth being outside of the settlor's estate for IHT."]
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[null,null,"View trust range including deeds - click for link"]
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[null,null,null,null,"Complete a Loan Trust deed available from our website - See the note below regarding the dating\nsequence; guidance notes are also contained within the deed."]
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[null,null,null,null,"View trust range including deeds - click for link"]
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[null,null,null,null,"Complete the paper form ‘Loan Trust application’ including the accompanying Tax Declaration and CoVI\nform, available from our website."]
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[null,null,null,null,"Application form for a Loan Trust - click for link",null,null,null,null,"View Tax Declaration & COVI - click for link"]
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[null,null,null,null,"Send cheque payment and all forms to Quilter."]
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[]
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[null,null,null,null,"The trustees must register within 90 days of the trust date. The proof of registration document must be submitted\nto Quilter."]
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[null,null,null,null,"View A Step by Step Guide for Registering your Trust - click for link "]
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[null,null,null,null,"The dating sequence for the Loan trust documents is imperative. They must be dated in this order:\n1. Cheque\n2. Trust deed\n3. Loan Trust application form."]
[null,null,"Note -"]

{"sheet":"Existing trust - CIB CIA","index":4,"n_rows":44,"n_cols":5,"rows_kept":44,"cut":false,"hidden":false,"merged":[[5,2,7,13],[9,2,10,13],[11,2,11,13],[13,4,17,13],[42,4,55,13],[43,2,43,3],[40,4,40,13],[20,4,22,13],[25,4,28,13],[31,4,34,13],[37,4,39,13]]}
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[null,null,"Existing trust - Collective Investment Bond (CIB) or Collective Investment Account (CIA) application"]
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[null,null,"An existing trust is one which has already been declared prior to investment with Quilter. Common examples include Will Trusts, trusts contained in a deed of variation, personal injury trusts and trusts created using a deed from another investment product provider. Trusts can apply for either the Collective Investment Bond (CIB) or a Collective Investment Account (CIA)."]
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[null,null,"Use the Online completion notes for trust investors and supplementary notes for the CIB and CIA, available from our website. They will help you gather the information you need to apply online. Once you have the details you can logon and follow the steps below."]
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[null,null,"View online completion notes - click for link"]
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[null,null,null,null,"Create a new client record for each Trustee and named beneficiary. This includes any beneficiary named specifically in the trust deeds, or a discretionary beneficiary who is in receipt of trust income (or will be once the investment is completed). For CIB, create a record for each life assured - where the life assured is a trustee or named beneficiary the same client record can be used."]
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[null,null,null,null,"Create a client record for the trust, eg ‘The ABC Will Trust’."]
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[null,null,null,null,"Complete an online CIA or CIB application under the client record for the trust. Select the trustee/beneficiary/lives assured details when prompted. Follow the application steps and complete the relevant declarations then submit."]
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[null,null,null,null,"Download and complete the Tax Declaration and CoVI form as well as the following as applicable to the\napplication: Fee authorisation record*, Direct Debit Instruction; Transfer Authority **; Cheque Remittance Advice Slip. The documents required will appear at the end of the online process."]
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[]
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[null,null,null,null,"Send payment to Quilter, as well as the Tax Declaration and CoVI form, any other applicable paperwork\nand proof of trust registration document."]
[]
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[null,null,null,null,"View A Step by Step Guide for Registering your Trust - click for link "]
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[null,null,null,null,"– Where an adviser fee is requested, you can confirm online that your client has authorised the fee. A signed Fee authorisation record* must be obtained and kept on your files to fulfil our FCA obligation to obtain and validate clients’ instructions. We will request samples of these forms from you from time to time.\n*The form is available on our website, however, a personalised version can be printed during the online application process. Alternatively, if you are using our ‘Online Completion Notes’ (data capture form), you can use and retain that document to capture fee authorisation from the client, if preferred.\n– All UK resident trusts must be registered unless covered by an exemption. You must send evidence of registration\n(available from HMRC’s trust registration service) alongside the application. If the trust is exempt, complete the relevant section in the Tax Declaration and CoVI form.\n– For CIA transfers, your client will need to sign a Transfer Authority form for each transfer.\n**Transfer authority forms are available from our website, but personalised versions can be produced during the online application process. For transfers that can be carried out electronically, you do not need to send the transfer authorities to us but you should retain them in your records. The online screens clarify which providers facilitate electronic transfers."]
[null,null,"Note -"]

{"sheet":"Designated Account","index":5,"n_rows":63,"n_cols":12,"rows_kept":63,"cut":false,"hidden":false,"merged":[[14,4,16,13],[28,4,30,13],[33,4,35,13],[39,4,41,13],[49,4,51,13],[44,4,46,13],[19,4,25,13],[36,4,36,8],[36,9,36,13],[62,2,62,3],[52,4,52,13],[59,4,59,13],[61,4,71,13],[55,4,58,13],[5,2,6,13],[7,2,7,13],[9,2,11,13],[12,2,12,6],[12,7,12,8],[12,9,12,10],[12,11,12,13]]}
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[null,null,"Creating a Quilter Trust (CIA only)"]
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[null,null,"A simple IHT solution where the client does not require access to the capital, knows who they want to leave their wealth to, and requires no future flexibility."]
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[null,null,"Designated accounts explained - click for link"]
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[null,null,"Use the online completion notes for joint investors or individuals (as applicable) and supplementary notes for the CIA, available from our website. They will help you gather the information you need to apply online. Once you have the details you can logon and follow the steps below."]
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[null,null,"View online completion notes - click for link:",null,null,null,null,"Single",null,"Joint",null,"CIA supplement"]
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[null,null,null,null,"Create a client record for each of the account holders (they will become the trustees after we have opened the account and applied the designation)."]
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[null,null,null,null,"Complete an online application for a Collective Investment Account in the names of the individual\naccount holders. Complete it as an account held by individuals, not as a trust application (we will transfer it into trust once we have noted the designation).\n– Start the application from the record of one of the account holders; you will then be able to select\njoint holder from the record created in Step 1.\n– See also note i) below regarding initial fees."]
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[null,null,null,null,"Download and complete the following (as applicable to the application): Fee authorisation record* for any initial fees; Direct Debit Instruction; Transfer Authority; Cheque Remittance Advice Slip."]
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[]
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[null,null,null,null,"Complete the Designated Account Request form and Tax Declaration and CoVI form - available from our website."]
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[]
[null,null,null,null,"View Tax Declaration & COVI - click for link",null,null,null,null,"Designated Account Request form - click for link"]
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[null,null,null,null,"Send the Designated Account Request form and payment to Quilter, as well as the Tax Declaration and\nCoVI form and any other applicable paperwork."]
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[]
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[null,null,null,null,"The CIA will be opened in the name of the account holder(s). Quilter will declare the trust and transfer the account into that trust, and the account holder(s) will then be the trustee(s). See note ii) below."]
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[null,null,null,null,"Once the trust has been declared, the trustees must register within 90 days of the trust date.\nThe proof of registration document must be submitted to Quilter."]
[]
[]
[null,null,null,null,"View A Step by Step Guide for Registering your Trust - click for link "]
[]
[]
[null,null,null,null,"Where there is an ongoing servicing fee, complete a Fee authorisation record on behalf of the trust. The form is available on our website; it must be signed by all trustees and retained on your files.\nYou will need to submit the fee details online."]
[]
[]
[]
[null,null,null,null,"View Fee Authorisation Record online - click for link"]
[]
[null,null,null,null,"i) Where an adviser initial fee is requested, you can confirm online that your client has authorised the fee. A signed Fee authorisation record* must be obtained and kept on your files to fulfil our FCA obligation to obtain and validate clients’ instructions. We will request samples of these forms from you from time to time.\n*The form is available on our website, however, a personalised version can be printed during the online application process. Alternatively, if you are using our ‘Online Completion Notes’ (data capture form), you can use and retain that document to capture fee authorisation from the client, if preferred.\nii) Once in trust, the ownership of the CIA changes as it is passed to the trustees. This means some\ninstructions will be cancelled and must be set up again (and re-authorised by the trustees). These include:\n– phased investment instructions                                                                                                                                                      – adviser ongoing servicing fees\n– portfolio investments (including MPS or DIM portfolios)\n– regular withdrawal instructions."]
[null,null,"Note -"]