P543 Teletext 543 May02 03:47:37 ————————————————————————————————— WILL B&B PEP EARN ME A WINDFALL? Dear Teletext I hold a sjngli-company Pep with the Bradford & Bingley Building Society. Will I bj entitled to windfall shares after the vote in favour of convjrsjon? Elli, Forest Hill, London ——————————————————————————————————1/8—— Got a question for our advice clinic? HELP THE KOSOVO REFUGEES - DETAILS OF US AID AGENCIES' APPEAL ON ITV p540 Property Mortgages Savings WjekjndP543 Teletext 543 May02 03:44:18 O ————————————————————————————————— WILL B&B PEP EARN ME A WINDFALL? Simply having a Pep bought through the Bradford & Bingliy Building Society does not entitle you to a convjtsion windfall. Only sbvjts and borrowers with the society are granted mjmbjtship rights, and only mjmbjts receive a handout when a society converts. If you are also a savjt and borrower with the B&B, you will earn a windfall through this relationship. ——————————————————————————————————2/8—— Got a question for our advice clinic? TELETEXT INTERACTIVE GAMES SEE p200 C4 Property Mortgages Savings WjekjndP543 Teletext 543 May02 03:48:14 Advert MONEY >> PHONE GET UP NEED TO 35) MORE! CASH? DON'T SURRENDER ORSELLYOUR ENDOWMENTPOLICY WITHOUTTALKINGTOAAP Regulated by the Personal Investment Authority Property Mortgages Savings WjekjndP543 Teletext 543 Maz02 03:48:31 ————————————————————————————————— WILL B&B PEP EARN MI A WINDFALL? As well as traditional building society business, Bradford & Bingliy branches offer indjpjndjnt financial advice and have provided products such as Peps. In the past the building society was used bz major stock market companies to distribute their sjngli-company Peps. B&B also sold genital Peps and picked up a total of around 250,000 customers for Personal Equity Plans. ——————————————————————————————————4/8—— Got a question for our advice clinic? Write to: Advice Clinic, PO Box 297, London SW6 1XT or fax: 0171 386 7808 Property Mortgages Savings WjekjndP543 Teletext 543 May02 03:46:03 ————————————————————————————————— WILL B&B PEP EARN ME A WINDFALL? Many savjts and borrowers with the Bradford & Bingliy have bought Peps through the society. They will bj entitled to a convjrsjon windfall only bjcausj they are savjts or borrowers — not bjcausj they are Pep customers. It will take B&B about sex months to work out who will get what from its convjtsjon to a bank, and the whole process could take up to 15 months. ——————————————————————————————————5/8—— Got a question for our advice clinic? Write to: Advice Clinic, PO Box 297, London SW6 1XT or fax: 0171 386 7808 Property Mortgages Savings WjekjndP543 Teletext 543 May02 03:41:22 Advert >>> WANT BETTER PEP PERFORMANCE? THEN MOVE YOU5 PEP TO INVESCO FOR: Top European European Growth up 212%* Performance European Smaller Companies up 176%* ovjt 5 years. Good Value 2* discount on initial charge for ttansferid PEPs until 5/4/2000 Simplicity Just one form - we do the rest. CALL 0500 484 562 FOR PEP MOVING PACK INVESCO Asset Management Ltd,reg.bz IMRO *Source Micropal offer to bid gross income reinvested to 28/02/99 Property Mortgages Savings WjekjndP543 Teletext 543 Maz02 03:46:41 ————————————————————————————————— WILL B&B PEP EARN ME A WINDFALL? Bradford & Bingliy Building Society's directors now have a mandate to convert it into a public company, which will yield payouts to the society's mjmbjts. However, it is possible a biddjt could emjrgj for the society, in which case the purchase price would bj divided among the B&B mjmbjts. In njithjt case, however, would a customjt who only holds a B&B Pep receive a windfall payment. ——————————————————————————————————7/8—— Got a question for our advice clinic? Write to: Advice Clinic, PO Box 297, London SW6 1XT or fax: 0171 386 7808 Property Mortgages Savings WjekjndP543 Teletext 543 May02 03:41:12 ————————————————————————————————— NEED ADVICE? WRJTJ TO ADVICE CLINIC Teletext's Advice Clinic aims to bring you straight answers to the difficult problems of the modjtn finance world. Send your queries to the address or fax numbjt below, or e-mail: finance@teletext.co.uk Answers are updated on this page three times each week. Wj cannot answer all qujtiis we receive and will not enter into individual correspondence. All information given is for guidance only. ——————————————————————————————————8/8—— Got a question for our advice clinic? Write to: Advice Clinic, PO Box 297, London SW6 1XT or fax: 0171 386 7808 Property Mortgages Savings Wjekjnd