Handelsbanken is the trading name of Svenska Handelsbanken AB (publ). Registered Office: Svenska Handelsbanken AB (publ), 3 Thomas More Square, London, E1W 1WY. Registered in England and Wales No, BR 000589. Incorporated in Sweden with limited liability. Registered in Sweden No. 502007-7862. Head Office in Stockholm. Authorised by the Swedish Financial Supervisory Authority (Finansinspektionen) and the Prudential Regulation Authority and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority. Details about the extent of our authorisation and regulation by the Prudential Regulation Authority, and regulation

by the Financial Conduct Authority are available from us on request.

Our wealth management services are provided by our wholly owned subsidiary Heartwood. Heartwood is a trading name of Heartwood Wealth Management Limited which is authorised and regulated by the Financial Conduct Authority in the conduct of investment business. The value of any investment and the income from it is not

guaranteed and can fall as well as rise, so that you may not realise the amount originally invested.

heartwoodgroup.co.uk handelsbanken.co.uk

Heartwood and Handelsbanken invite you to breakfast at Newcastle Falcons

VenueNewcastle Falcons, Kingston Park, Brunton Road, Kenton Bank Foot, Newcastle upon Tyne, NE13 8AF

We would be delighted if you would join us for an investment update over breakfast at Newcastle Falcons. We will be joined by two speakers from Heartwood, Handelsbanken’s wealth management business in the UK. Scott Ingham, Investment Director, will share Heartwood’s views on the factors that shaped market performance in 2015, before looking forward to the year ahead. Phil Griffin, Client Director, will reflect on the learning from the first year of ‘pensions freedoms’. Phil will also discuss the upcoming changes in pension legislation which for some individuals

will reduce both the amount that they can accrue in pension savings during their lifetime and how much they and their employers can contribute each year. There will be the opportunity to pose questions to both speakers.

RSVPPlease reserve your place by responding to your Handelsbanken Individual or Corporate Banking Manager. Alternatively email Jemma Gibbons at Heartwood, email: jemma.gibbons@heartwoodgroup.co.uk. We recognise that this type of event may interest some more than others so you are of course welcome to come either as a couple or individually. If you have any specific dietary requirements, please advise us with your acceptance.

ItineraryFrom 8am - Join us for a light breakfast8.30am to 9.45am - Presentation

DateFriday 5th February 2016