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         <td class="content-td" style="font-size: 15px; font-family: Helvetica, Arial, sans-serif; line-height: 22px; color: #525252; padding: 0;">
          <p style="line-height: 1.5; margin: 0 0 17px;">
           Hi Ramy
          </p>
          <p style="line-height: 1.5; margin: 0 0 17px;">
           We’re updating our general Terms and Conditions and our ISA Terms and Conditions.
          </p>
          <p style="line-height: 1.5; margin: 0 0 17px;">
           The
           <a class="intercom-content-link" style="outline: none !important; color: #1251BA; border-style: none;" target="_blank">
            new general Terms
           </a>
           and the
           <a class="intercom-content-link" style="outline: none !important; color: #1251BA; border-style: none;" target="_blank">
            new ISA Terms
           </a>
           are available on our website. They will take effect from 1 September 2023.
          </p>
          <p style="line-height: 1.5; margin: 0 0 17px;">
           Please take a moment to read the Terms. They’re really important. They explain what we will do for you as your investment provider and what we need from you for you to be able to access these services.
          </p>
          <p style="line-height: 1.5; margin: 0 0 17px;">
           If you have any questions please reach out to our customer service team by replying to this email.
          </p>
          <p style="line-height: 1.5; margin: 0 0 17px;">
          </p>
          <p style="line-height: 1.5; margin: 0 0 17px;">
           <b>
            What do you need to do?
           </b>
          </p>
          <p style="line-height: 1.5; margin: 0 0 17px;">
           Please read the new Terms in full. If you do not want to accept the Terms please contact us before 1 September so we can make arrangements to close your account.
          </p>
          <p style="line-height: 1.5; margin: 0 0 17px;">
          </p>
          <p style="line-height: 1.5; margin: 0 0 17px;">
           <b>
            Why are we making changes?
           </b>
          </p>
          <p style="line-height: 1.5; margin: 0 0 17px;">
           It is normal for companies to update their terms from time to time. Updates will reflect changes to processes and to best practice and allow the company to act in line with its obligations under the various laws and regulations under which it operates.
          </p>
          <p style="line-height: 1.5; margin: 0 0 17px;">
           We have also taken the opportunity to improve the way in which our Terms are presented and how certain elements are worded.
          </p>
          <p style="line-height: 1.5; margin: 0 0 17px;">
           We have put a lot of effort into improving the readability of our Terms - We know such documents can be ‘heavy’ and want to ensure we’ve done what we can to make them easier for you to read and understand and made the Terms easier to navigate on our website. As such, the new Terms are structured differently to the old ones and have a different look and feel. We hope you will agree it is a big improvement.
          </p>
          <p style="line-height: 1.5; margin: 0 0 17px;">
           In the update we’ve set out more clearly the rights we require in order to provide you with the service you expect. We have also changed the wording of a number of sections in order to be fairer to you.
          </p>
          <p style="line-height: 1.5; margin: 0 0 17px;">
           We’ve also replaced technical terms and jargon with plain English where possible; though some specific words and phrases are still required.
          </p>
          <p style="line-height: 1.5; margin: 0 0 17px;">
          </p>
          <p style="line-height: 1.5; margin: 0 0 17px;">
           <b>
            What has changed?
           </b>
          </p>
          <p style="line-height: 1.5; margin: 0 0 17px;">
           Below are the main changes to our Terms. This is not an exhaustive list of changes, so please read the whole Terms carefully.
          </p>
          <p style="line-height: 1.5; margin: 0 0 17px;">
           In the new general Terms and Conditions we…
          </p>
          <p style="line-height: 1.5; margin: 0 0 17px;">
           <b>
            Your obligations
           </b>
          </p>
          <ul style="list-style-type: disc; margin: 0 0 20px 40px; padding: 0;">
           <li>
            put all of your key obligations in one place so that they are easier for you to understand. You agree to act properly and give us the information that we need to be able to provide the services to you. See section 3.
           </li>
          </ul>
          <ul style="list-style-type: disc; margin: 0 0 20px 40px; padding: 0;">
           <li>
            clarify the eligibility requirements for the different types of account that we offer and set out what happens if you stop being eligible for an account that you have. See sections 7, 8.13 and 8.14;
           </li>
          </ul>
          <ul style="list-style-type: disc; margin: 0 0 20px 40px; padding: 0;">
           <li>
            set out how you are allowed to use the Freetrade app and your obligations to keep your device and the operating system that you use up-to-date. We’ll take reasonable care to make the Freetrade app available to you, but we can’t always guarantee this. See section 15;
           </li>
          </ul>
          <p style="line-height: 1.5; margin: 0 0 17px;">
           <b>
            Liability
           </b>
          </p>
          <ul style="list-style-type: disc; margin: 0 0 20px 40px; padding: 0;">
           <li>
            clarify when we will be liable to you for losses that you suffer in connection with the agreement. We have removed some of our liability exclusions and there is now no cap on the amount of our liability to you. See section 25;
           </li>
          </ul>
          <ul style="list-style-type: disc; margin: 0 0 20px 40px; padding: 0;">
           <li>
            clarify when you will be liable to us, and what we can do if you breach the agreement. This is to make the agreement fairer and clearer for you, and also to ensure that we have the rights we need to protect ourselves against improper behaviour by you. See section 26.
           </li>
          </ul>
          <p style="line-height: 1.5; margin: 0 0 17px;">
           <b>
            Cash, investments and dealing
           </b>
          </p>
          <ul style="list-style-type: disc; margin: 0 0 20px 40px; padding: 0;">
           <li>
            clarify how you can add cash and investments to your Freetrade account and how you can take cash and investments out of your Freetrade account. See sections 11 and 12;
           </li>
          </ul>
          <ul style="list-style-type: disc; margin: 0 0 20px 40px; padding: 0;">
           <li>
            explain clearly how you can place an order, whether you can cancel an order, how we will execute deals for you and how we will settle deals for you. We have limited the circumstances in which we can decline, cancel or reverse an order, to make the agreement fairer to you. See section 17;
           </li>
          </ul>
          <ul style="list-style-type: disc; margin: 0 0 20px 40px; padding: 0;">
           <li>
            clarify how withdrawable, available and unsettled cash and investments will be shown in the Freetrade App and how they are held by us. We can, but we don’t have to, make unsettled cash and assets available for you to trade with. See sections 17.17 - 17.20;
           </li>
          </ul>
          <ul style="list-style-type: disc; margin: 0 0 20px 40px; padding: 0;">
           <li>
            explain how we hold and look after your cash and investments, in accordance with the law and regulation that applies to us. You agree that we can stop holding your cash or investments if your account has been dormant for 6 years (cash) or 12 years (investments), but we have to give you the value back if you later ask us for it. We can also transfer your cash or investments to a person who acquires our business, subject to certain limitations. See sections 19, 20 and 30.3;
           </li>
          </ul>
          <ul style="list-style-type: disc; margin: 0 0 20px 40px; padding: 0;">
           <li>
            clarify our rights to sell your investments in certain circumstances, and our rights to deduct amounts from your Freetrade account when you have failed to pay us amounts that you owe us. See sections 28 and 29;
           </li>
          </ul>
          <p style="line-height: 1.5; margin: 0 0 17px;">
           <b>
            Making Things Fairer to You
           </b>
          </p>
          <ul style="list-style-type: disc; margin: 0 0 20px 40px; padding: 0;">
           <li>
            We’ve limited the circumstances in which we can suspend the Freetrade App, to make the agreement fairer to you. See section 15;
           </li>
          </ul>
          <ul style="list-style-type: disc; margin: 0 0 20px 40px; padding: 0;">
           <li>
            limit our rights to restrict your Freetrade accounts to specific circumstances. This is to make the agreement fairer for you. See section 27;
           </li>
          </ul>
          <ul style="list-style-type: disc; margin: 0 0 20px 40px; padding: 0;">
           <li>
            limit our rights to make changes to the terms in the future without your express consent, to make the agreement fairer to you. See section 24 of the general Terms and Conditions;
           </li>
          </ul>
          <ul style="list-style-type: disc; margin: 0 0 20px 40px; padding: 0;">
           <li>
            make clear the extent to which we are responsible for things that we have delegated to someone else. This is to make the agreement fairer to you and to reflect the law and regulation that applies to us. See section 30.2;
           </li>
          </ul>
          <p style="line-height: 1.5; margin: 0 0 17px;">
           <b>
            Account Closure
           </b>
          </p>
          <ul style="list-style-type: disc; margin: 0 0 20px 40px; padding: 0;">
           <li>
            set out how you can close your Freetrade account(s) and/or terminate the agreement with us. You need to give us 30 days’ notice to do this. See Section 31.1;
           </li>
          </ul>
          <ul style="list-style-type: disc; margin: 0 0 20px 40px; padding: 0;">
           <li>
            limit our rights to close your Freetrade account(s) and/or terminate your agreement with us on immediate notice to specific circumstances. Otherwise we must give you at least 30 days’ notice. See sections 31.2 and 31.3;
           </li>
          </ul>
          <ul style="list-style-type: disc; margin: 0 0 20px 40px; padding: 0;">
           <li>
            to set out what the account closure process is. You will forgo any unpaid interest on cash from the date that notice to terminate is given. You allow us to sell down investments and pay cash to you if you don’t give us instructions about what to do with your cash and investments within a reasonable time. See section 32;
           </li>
          </ul>
          <p style="line-height: 1.5; margin: 0 0 17px;">
           We appreciate this is a big list of changes - and even then it doesn't cover everything! This is why it was so important to us to make the full Terms as easy to read and understand as possible. Please review them and get in touch with any questions.
          </p>
          <p style="line-height: 1.5; margin: 0 0 17px;">
           Best
          </p>
          <p style="line-height: 1.5; margin: 0 0 17px;">
           The Freetrade Team
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