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£10 Christmas Contributor Reward - Terms & Conditions

1. Promoter

The £10 Christmas Contributor Reward (the “Promotion”) is promoted by First Portfolio Limited, a company registered in England and Wales under company number 14941541, with its registered office at 12 Melcombe Place, London, NW1 6JJ.

First Portfolio Limited (Firm Reference Number: 1028933) is an appointed representative of WealthKernel Limited, which is authorised and regulated by the Financial Conduct Authority (Firm Reference Number: 723719).

2. Promotional Period

The Promotion begins on 28 October 2026 and closes at 11:59 pm UK time on 8 November 2026 (the “Promotional Period”).

All qualifying contributor registrations must be completed during the Promotional Period.

Eligible contributors must remain linked to the relevant child's Junior ISA until at least 24 December 2026 to qualify for the reward.

3. Eligibility

To be eligible for the Promotion, the parent or registered account holder must:

• Be aged 18 or over and resident in the United Kingdom;

• Hold an existing, open and active First Portfolio Junior Stocks and Shares ISA for an eligible child;

• Have an active First Portfolio subscription associated with the child's Junior ISA;

• Invite a new contributor through the contributor invitation feature within the First Portfolio app during the Promotional Period.

To qualify as an eligible new contributor, the invited person must:

• Not have previously registered a First Portfolio contributor account;

• Receive a valid personal invitation from the parent or registered account holder;

• Download the First Portfolio app and successfully create a contributor account through that invitation during the Promotional Period;

• Complete any required registration, verification and compliance checks;

• Remain linked to the relevant child's Junior ISA until at least 24 December 2026.

An invitation alone does not qualify for the reward. The invited contributor must complete registration and satisfy all eligibility requirements.

Employees, directors, contractors and immediate family members of First Portfolio, its group companies, partners, agents, service providers, or anyone professionally connected with the administration of the Promotion are not eligible to participate.

4. Qualifying for the Reward

First Portfolio will credit £10 to the relevant child's Junior ISA for each eligible new contributor who successfully completes the qualifying steps, subject to the maximum reward limit set out below.

To qualify:

• The contributor must register through a valid invitation generated by the First Portfolio app;

• The invitation must be associated with the relevant child's Junior ISA;

• The contributor must complete registration during the Promotional Period;

• The contributor must remain linked to the child's Junior ISA until at least 24 December 2026;

• The child's Junior ISA and associated First Portfolio subscription must remain open, active and unrestricted until the reward is credited.

There is no requirement for the contributor to make an investment gift or financial contribution to qualify for this Promotion.

Maximum reward limit

A maximum of 10 eligible new contributors per parent or registered account holder will qualify for this Promotion, regardless of the number of Junior ISAs held.

The maximum total reward payable is £100 per parent or registered account holder during the Promotional Period.

Any additional contributors beyond the first 10 eligible new contributors may still register and be linked to a child's Junior ISA but will not generate an additional £10 promotional reward.

A contributor who registers more than once, uses multiple invitations for the same child's account or creates duplicate accounts will not generate additional rewards.

Existing registered contributors, including those who receive a new invitation during the Promotional Period, do not qualify as new contributors.

First Portfolio will use its invitation and registration records to determine whether a contributor has successfully registered through an eligible invitation, remained linked for the required period and falls within the maximum reward limit.

5. Payment of the Reward

Each qualifying reward of £10 will be credited directly to the eligible child's First Portfolio Junior Stocks and Shares ISA.

Rewards are scheduled to be credited on 24 December 2026, subject to successful verification of all eligibility requirements.

Where processing or verification cannot be completed on that date, First Portfolio will credit the reward as soon as reasonably practicable thereafter.

Rewards will not be paid directly to the parent or contributor, and cannot be exchanged for cash, transferred to another account or redeemed for any other benefit.

Rewards credited to a Junior ISA will form part of the child's investments and will be subject to the applicable Junior ISA rules, including the annual subscription limit.

First Portfolio may delay or withhold payment where information is incomplete or incorrect, eligibility cannot be verified, an account is suspended or restricted, fraud or misuse is suspected, or payment is prevented or delayed for operational, technical, legal or regulatory reasons.

6. Fees

Maintaining a First Portfolio Junior ISA requires an active First Portfolio subscription.

Standard subscription fees of £1.50 per month or £15 per year, if paid annually, continue to apply and are not covered by the Promotion.

Standard fees may apply to investment gifts made by contributors. However, contributors are not required to make an investment gift to generate a qualifying £10 reward.

7. Fraud and Disqualification

First Portfolio may withhold or recover a reward and disqualify a participant where it reasonably believes that the participant has:

• False or misleading information has been provided;

• Duplicate, fictitious or fraudulent contributor accounts have been created;

• Invitations or registrations have been manipulated to generate rewards improperly;

• Accounts have been created without the genuine intention of participating in the First Portfolio contributor service;

• The Promotion has otherwise been abused or its Terms and Conditions breached.

First Portfolio reserves the right to conduct reasonable checks to verify the legitimacy of registrations and invitations.

8. Changes or Cancellation

First Portfolio may amend, suspend, withdraw or cancel the Promotion where reasonably necessary for operational, legal, regulatory, technical, compliance or fraud prevention reasons.

Any changes will be communicated where reasonably practicable.

Changes will not unfairly disadvantage participants who have already satisfied the qualifying requirements, except where required by law or regulation.

9. Investment Risk

Investing involves risk. The value of investments can go down as well as up, and recipients may get back less than the amount invested.

Rewards credited to a Junior Stocks and Shares ISA will be invested in accordance with the applicable investment arrangements and are subject to market movements.

The Promotion does not constitute financial, investment or tax advice or a personal recommendation.

Tax treatment depends on individual circumstances and may change in the future.

10. Data Protection

First Portfolio will not be responsible for referrals that are lost, delayed, incomplete, incorrectly submitted, corrupted, misdirected or not recorded for reasons outside its reasonable control.

First Portfolio will process personal data in accordance with its Privacy Policy.

11. Governing Law

These Terms and Conditions are governed by the laws of England and Wales.

12. Contact

Questions about the First Portfolio Christmas Contributor Reward can be sent to: support@firstportfolio.com

As with all investing, your money is at risk. The value of your portfolio can go down as well as up, and you could get back less than you put in. The tax treatment of your investment will depend on your individual circumstances and may change in the future. You should seek financial advice if you are unsure about investing.