How HPB works

HPB is designed to give you and your family holidays for life. To achieve this, it is structured as a life assurance bond investing, after product charges, in properties and securities. Properties are booked for a no profit “User Charge” and Points issued with the Bond. There is a quarterly fee of under thirty pounds linked to RPI, with all other management fees paid from securities. You may cash in after two years at a value linked to that of the properties and securities but you may get back less than you paid because of charges and changes in the value of HPB’S properties and securities. In exceptional circumstances cashing in may be deferred for up to twelve months. No medical examination required. HPB is available exclusively through HPB Management Limited who will only charge for their services if you invest. This advertisement is issued by HPB Management Limited (“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. Holders of policies issued by the company 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. The Trustee of HPB is HSBC Trustee (Guernsey) Limited registered at Park Place, Park Street, St Peter Port, Guernsey, Channel Islands, GY1 1EE. The Securities Manager is Stanhope Capital LLP registered at 35 Portman Square, London, W1H 6LR. HPBM and HPBA are part of the HPB Marketing Group and are not independent of each other. HPBM is able to advise only on HPBA’S products. Prize draw: Prize draw: 1st prize £1,250, 2nd prize £750, plus 5 x £100, all in cash. No purchase necessary. Drawn 31st July 2017. Winners notified, winners list available 11th August 2017. Claim prizes by 2nd October 2017. Those under 18, HPB investors, employees, associates or those in their households are not eligible. One entry per household. Full rules on request.