div class=ts-pagebuttonPage 1button div class=ts-image amp-img class=ts-thumb alt=Page 1: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails1jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 2button div class=ts-image amp-img class=ts-thumb alt=Page 2: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails2jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 3button div class=ts-image amp-img class=ts-thumb alt=Page 3: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails3jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 4button div class=ts-image amp-img class=ts-thumb alt=Page 4: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails4jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 5button div class=ts-image amp-img class=ts-thumb alt=Page 5: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails5jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 6button div class=ts-image amp-img class=ts-thumb alt=Page 6: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails6jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 7button div class=ts-image amp-img class=ts-thumb alt=Page 7: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails7jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 8button div class=ts-image amp-img class=ts-thumb alt=Page 8: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails8jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 9button div class=ts-image amp-img class=ts-thumb alt=Page 9: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails9jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 10button div class=ts-image amp-img class=ts-thumb alt=Page 10: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails10jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 11button div class=ts-image amp-img class=ts-thumb alt=Page 11: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails11jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 12button div class=ts-image amp-img class=ts-thumb alt=Page 12: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails12jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 13button div class=ts-image amp-img class=ts-thumb alt=Page 13: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails13jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 14button div class=ts-image amp-img class=ts-thumb alt=Page 14: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails14jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 15button div class=ts-image amp-img class=ts-thumb alt=Page 15: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails15jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 16button div class=ts-image amp-img class=ts-thumb alt=Page 16: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails16jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 17button div class=ts-image amp-img class=ts-thumb alt=Page 17: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails17jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 18button div class=ts-image amp-img class=ts-thumb alt=Page 18: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails18jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 19button div class=ts-image amp-img class=ts-thumb alt=Page 19: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails19jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 20button div class=ts-image amp-img class=ts-thumb alt=Page 20: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails20jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 21button div class=ts-image amp-img class=ts-thumb alt=Page 21: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails21jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 22button div class=ts-image amp-img class=ts-thumb alt=Page 22: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails22jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 23button div class=ts-image amp-img class=ts-thumb alt=Page 23: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails23jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 24button div class=ts-image amp-img class=ts-thumb alt=Page 24: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails24jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 25button div class=ts-image amp-img class=ts-thumb alt=Page 25: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails25jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 26button div class=ts-image amp-img class=ts-thumb alt=Page 26: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails26jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 27button div class=ts-image amp-img class=ts-thumb alt=Page 27: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails27jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 28button div class=ts-image amp-img class=ts-thumb alt=Page 28: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails28jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 29button div class=ts-image amp-img class=ts-thumb alt=Page 29: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails29jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 30button div class=ts-image amp-img class=ts-thumb alt=Page 30: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails30jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 31button div class=ts-image amp-img class=ts-thumb alt=Page 31: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails31jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 32button div class=ts-image amp-img class=ts-thumb alt=Page 32: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails32jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 33button div class=ts-image amp-img class=ts-thumb alt=Page 33: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails33jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 34button div class=ts-image amp-img class=ts-thumb alt=Page 34: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails34jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 35button div class=ts-image amp-img class=ts-thumb alt=Page 35: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails35jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 36button div class=ts-image amp-img class=ts-thumb alt=Page 36: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails36jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 37button div class=ts-image amp-img class=ts-thumb alt=Page 37: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails37jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 38button div class=ts-image amp-img class=ts-thumb alt=Page 38: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails38jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 39button div class=ts-image amp-img class=ts-thumb alt=Page 39: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails39jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 40button div class=ts-image amp-img class=ts-thumb alt=Page 40: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails40jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 41button div class=ts-image amp-img class=ts-thumb alt=Page 41: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails41jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 42button div class=ts-image amp-img class=ts-thumb alt=Page 42: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails42jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 43button div class=ts-image amp-img class=ts-thumb alt=Page 43: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails43jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 44button div class=ts-image amp-img class=ts-thumb alt=Page 44: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails44jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 45button div class=ts-image amp-img class=ts-thumb alt=Page 45: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails45jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 46button div class=ts-image amp-img class=ts-thumb alt=Page 46: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails46jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 47button div class=ts-image amp-img class=ts-thumb alt=Page 47: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails47jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 48button div class=ts-image amp-img class=ts-thumb alt=Page 48: rbstbsaoncom Pension PlanRBS-Group-Pension2425 St Andrew Square Edinburgh EH2 IAF AonHewitt 10 Devonshire Square London EC2M 4YP Tax Employer Covenant Penfida Limited 1 src=https:reader034vdocumentinreader034viewer20220420235e7b9136e99b2d0aa86a77bchtml5thumbnails48jpg width=142 height=106 layout=responsive amp-img divdiv