I would like to reassure you of our continued commitment and personal service to you throughout the ongoing COVID-19 situation.

For over 70 years our business has focussed on our core value of always putting you, our clients, at the heart of everything we do. Our purpose is to help safeguard your financial futures and we are here to support you through these challenging times. We are taking all the necessary measures we can to ensure that you continue to receive uninterrupted service. We cannot influence the economic impact of the Coronavirus outbreak or how the investment markets have responded to it, but what we can do is assure you that your investments remain safely protected.

We expect to be able to perform all standard processes as normal although there may be some delays compared to normal operating conditions. Demand for our services, help and support are higher than normal so please bear with us if you experience a longer wait time than you would usually expect.

Our clients, colleagues and their families are our priority and as we move through this situation we are finding that increasingly many of us are self-isolating, working from home and or looking after our loved ones. With this in mind we wish to advise you of some steps that are being taken to keep our service to you as efficient as possible •

·        Settlement Monies into/out of your Account : the most efficient way is to make an electronic payment wherever possible.

·        Contract Notes, Statements and Reports : we will send as much correspondence as possible by email.

·        Corporate Actions : If we have an email address for you we will send details of any new Corporate Actions relating to your holdings via email.

·        Certificates : we will not be posting certificates at the present time but holding recently purchased physical stock electronically which ensures efficient delivery should you wish to sell.

An increasing number of clients are taking advantage of the benefits and efficiencies of client web access and our App. Please do not hesitate to contact us if you would like to be enabled.

Serving you and keeping colleagues safe is our primary concern. On behalf of everyone at Ramsey Crookall & Co I want to thank you for being a valued client and wish you, your loved ones and the people around you continued good health and well-being.

Joanna Crookall

BSc, Chartered FCSI, Chartered Wealth Manager

Chief Executive Officer