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																		<li><a class="dropdown-item" href="classic">Classic Credit Card</a></li>
																		<li><a class="dropdown-item" href="premier"><?php echo $shortname ?> Credit Card</a></li>
																		<li><a class="dropdown-item" href="premier-world-elite"><?php echo $shortname ?> World Elite Mastercard</a></li>
																		<li><a class="dropdown-item" href="student">Student Credit Card</a></li>
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																	<a href="contactandsupport" class="menuhead">Services</a>
																		<li><a class="dropdown-item" href="contactandsupport">Help & Support</a></li>
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										Investing <i class="fa fa-angle-down"></i><span style="display: block;font-size: 11px;">Products & analysis</span>
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																	<a href="investing" class="menuhead">Investments</a>
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																		<li><a class="dropdown-item" href="premier-financial-advice"><?php echo $shortname ?> Financial Advice</a></li>
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																	<a href="news" class="menuhead">Financial news & analysis</a>
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															<div class="single-services">
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																	<a href="why-invest-with-us" class="menuhead">Why invest with us?</a>
																	<li><a class="dropdown-item" href="why-invest-with-us">Find out more</a></li>
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																	<a href="wealth-insights" class="menuhead">Wealth Insights </a>
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															<div class="single-services">
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																	<a href="investment-funds-online" class="menuhead">Global Investment Centre</a>
																		<li><a class="dropdown-item" href="investment-funds-online">Find out more</a></li>
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															<div class="single-services">
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																	<a href="contactandsupport" class="menuhead">Customer support</a>
																		<li><a class="dropdown-item" href="gsa">Log on to Global Investment<br>Centre</a></li>
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																		<li><a class="dropdown-item" href="selected-investment-funds">Existing Selected Investments<br>Customers</a></li>
																		<li><a class="dropdown-item" href="getting-started">Getting started with investing</a></li>
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							  <li class="nav-item dropdown">
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										Insurance <i class="fa fa-angle-down"></i><span style="display: block;font-size: 11px;">Property & family</span>
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																	<a href="insurance" class="menuhead">Insurance</a>
																		<li><a class="dropdown-item" href="home-insurance">Home Insurance</a></li>
																		<li><a class="dropdown-item" href="travel-insurance">Travel Insurance</a></li>
																		<li><a class="dropdown-item" href="student-insurance">Student Insurance</a></li>
																		<li><a class="dropdown-item" href="insurance">View all</a></li>
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														<div class="col-md-3">
															<div class="single-services">
																<div class="media">
																  <div class="media-body">
																	<a href="life-insurance" class="menuhead">Life Insurance</a>
																	<li><a class="dropdown-item" href="life-cover">Life Cover</a></li>
																	<li><a class="dropdown-item" href="critical-illness-cover">Critical Illness Cover</a></li>
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																	<li><a class="dropdown-item" href="life-insurance">View all</a></li>
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														<div class="col-md-3">
															<div class="single-services">
																<div class="media">
																  <div class="media-body">
																	<a href="insurance" class="menuhead">Insurance Claims</a>
																		<li><a class="dropdown-item" href="home-insurance-claims">Home Insurance Claims</a></li>
																		<li><a class="dropdown-item" href="travel-insurance">Travel Insurance Claims</a></li>
																		<li><a class="dropdown-item" href="car-insurance-claims">Car Insurance Claims</a></li>
																	</div>
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														<div class="col-md-3">
															<div class="single-services">
																<div class="media">
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																	<a href="premier-accounts" class="menuhead"><?php echo $shortname ?> Customers</a>
																		<li><a class="dropdown-item" href="premier-travel">Travel Insurance Claims</a></li>
																		<li><a class="dropdown-item" href="premier-car">Car Insurance Claims</a></li>
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								<li class="nav-item dropdown">
									<a class="nav-link" href="#" id="navbarDropdownMenuLink3" data-toggle="dropdown" aria-haspopup="true" aria-expanded="false">
										Life events <i class="fa fa-angle-down"></i><span style="display: block;font-size: 11px;">Help & support</span>
									</a>
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									<div class="container">
										<div class="business-services nav5">	
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												<div class="col-md-12 service-content">
													<div class="row">
														<div class="col-md-3">
															<div class="single-services">
																<div class="media">
																  <div class="media-body">
																	<a href="life-events" class="menuhead">Life events</a>
																		<li><a class="dropdown-item" href="dealing-with-bereavement">Bereavement support</a></li>
																		<li><a class="dropdown-item" href="dealing-with-separation">Separation support</a></li>
																		<li><a class="dropdown-item" href="settling-in-the-uk">Settling in the UK</a></li>
																		<li><a class="dropdown-item" href="getting-married">Getting married</a></li>
																		<li><a class="dropdown-item" href="planning-your-retirement">Planning your retirement</a></li>
																		<li><a class="dropdown-item" href="growing-your-wealth">Growing your wealth</a></li>
																		<li><a class="dropdown-item" href="moving-abroad">Moving abroad</a></li>
																		<li><a class="dropdown-item" href="life-events">View all</a></li>
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														<div class="col-md-3">
															<div class="single-services">
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																	<a href="planningtools" class="menuhead">Planning tools</a>
																	<li><a class="dropdown-item" href="financial-health-check">Financial health check</a></li>
																	<li><a class="dropdown-item" href="planningtools">View All</a></li>
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														<div class="col-md-3">
															<div class="single-services">
																<div class="media">
																  <div class="media-body">
																	<a href="protecting-what-matters" class="menuhead">Protecting what matters</a>
																		<li><a class="dropdown-item" href="protecting-what-matters">Learn more</a></li>
																	</div>
																</div>
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							                     <h3>Bogotá: -5hrs GMT</h3>
							                     <h4>Nicolas Meleg, Portfolio Manager</h4>
							                     <p>Nicolas joined <?php echo $sitename ?> in November 2006 with the acquisition of Banistmo Group by <?php echo $sitename ?> Plc. Since May 2007 he was responsible for the implementation of a voluntary pension fund constructed under a fund of funds investment scheme with different risk profile portfolios that invest in bond, equity and commodity funds. The fund was launched in September 2008, and Nicolas is responsible for the portfolio management.</p>
							                     <p>Prior to joining <?php echo $sitename ?>, Nicolas was an Investment Analyst in Titularizadora Colombiana, a mortgage backed securities issuer Company, responsible for the proprietary portfolio management and the development of the MBS secondary market. Nicolas began his career in Compañia de Profesionales de Bolsa, a Colombian stock exchange member, as a fixed income trader during three years. Nicolas has 8 years of experience in the investment industry and has been with <?php echo $sitename ?> for 4 years. </p>
							                     <p>Nicolas holds a BSc degree  in Economics, a minor in Business Administration with focus in Finance and a graduate degree in Risk Economics and Finance; all degrees from Universidad de Los Andes, Bogota, Colombia.</p>
							                     <h3>Toronto: -5hrs GMT</h3>
							                     <h4>Lane T. Prenevost, CFA, FRM – Business Manager – Wealth, Multimanager and Multi-Asset</h4>
							                     <p>Lane was appointed in 2010 as the Business Manager for Multimanager, Wealth, and Multi-Asset investment capabilities within <?php echo $sitename ?> Global Asset Management. He is responsible for the business aspect of each capability, including developing and implementing product strategy, promoting product innovation, as well as managing profitability. Lane also leads the team of regional product specialists that support each capability.</p>
							                     <p>Lane was previously Head of Multimanager, Americas, where he led manager research, portfolio management, and business development in the region. Prior to joining <?php echo $sitename ?>, Lane was Director, Portfolio Strategy at TD Asset Management in Toronto, where he was responsible for manager research and portfolio strategy for Canadian and global balanced portfolios. Lane has 14 years of industry experience and has been with <?php echo $sitename ?> since 2005. </p>
							                     <p>Lane has a BSc degree in Actuarial Science from the University of Toronto, and is a member of the CFA Institute and holds the Chartered Financial Analyst (CFA) designation. He also has the Financial Risk Manager (FRM) designation from the Global Associate of Risk Professionals (GARP).</p>
							                     <h3>New York: -5hrs GMT</h3>
							                     <h4>Randeep Brar, Senior Vice President, Head of Multimanager North America</h4>
							                     <p>Randeep was appointed as Head of Multimanager North America in September 2010.  He was named Head of Research, USA in May 2008.  Randeep is responsible for managing the Multimanager team in New York and joined <?php echo $sitename ?> Global Asset Management in 2007, having been working in the industry since 1994.  Randeep's current role includes both research and portfolio management responsibilities, across broad equity and fixed income asset classes covered by the Multimanager team in North America.</p>
							                     <p>Prior to joining <?php echo $sitename ?> Global Asset Management, Randeep led small cap portfolio management and research with-in the SEI Investments, manager of manager program, where he worked since 2001 in a variety of senior research positions.  Previous to that, Randeep was Associate Director Research at Barra Rogers Casey, which he joined in 1994 and held roles with-in investment consulting and equity manager research.  Randeep holds a BE in Engineering and a graduate degree in finance.  He is a Chartered Financial Analyst and a member of the New York Society of Security Analysts and the CFA Institute.  In addition, Randeep also holds the Chartered Alternative Investment Analyst (CAIA) designation.</p>
							                     <p>Randeep has 16 years experience in the Investment Industry and has been with <?php echo $sitename ?> for 3 years. </p>
							                     <h3>São Paulo: -3hrs GMT</h3>
							                     <h4>Alcindo Canto, Head of Multimanager </h4>
							                     <p>Alcindo joined <?php echo $sitename ?> Global Asset Management in Brazil as a Senior Multimanager in August 2008 and is responsible for managing a team of analysts and all aspects of portfolio management and research.  He is member of Investment Committee and Compliance and Risk Committee.</p>
							                     <p>Prior to joining <?php echo $sitename ?>, Alcindo was Head of Funds of Funds business in Brazil at ABN AMRO Real for three years. Alcindo started his career at Unibanco Asset Management (third largest private <?php echo $sitename ?> in Brazil). Alcindo has 13 years experience in the investment industry, had joined Santander and Deutsche <?php echo $sitename ?>, and has been with <?php echo $sitename ?> for 2 year.</p>
							                     <p>Alcindo is Bachelor in Economics from Universidade de São Paulo (USP), and he holds a Master Science Economics from the PUC-SP. </p>
							                     <h3>London: GMT</h3>
							                     <h4>Guy Morrell BSc PhD MRICS<br>Head of Multimanager, <?php echo $sitename ?> Global Asset Management (UK) Limited</h4>
							                     <p>Guy Morrell was appointed Head of <?php echo $sitename ?>’s US Multimanager team in 2008 having joined the Group in 2004.  He is the team’s investment head for global real estate and is Portfolio Manager of the <?php echo $sitename ?> Open Global Property Fund.</p>
							                     <p>Guy has over 26 years’ experience in property investment. Before joining <?php echo $sitename ?>, he was the CIO for Global Property at Henderson Global Investors having held previous roles at AMP Asset Management, Prudential Portfolio Managers Limited and Healey &amp; Baker. He holds a PhD degree from the University of Reading, a first class honours BSc degree from De Montfort University and he is a chartered surveyor.  He is a Board Member of the Investment Property Forum and sits on IPD Index Consultative Groups.</p>
							                     <h3>Paris: +1hrs GMT</h3>
							                     <h4>Laurent Garrigue, Analyst</h4>
							                     <p>Laurent joined <?php echo $sitename ?> Global Asset Management in December 2005 as a Fund Manager and analyst for European Fixed Income, his responsibilities include being a fund analyst for European Fixed Income and Absolute Return Strategies. </p>
							                     <p>Prior to joining <?php echo $sitename ?> Global Asset Management Laurent was a fund manager and analyst at AXA Investment Managers where his role included similar responsibilities to his role here at <?php echo $sitename ?>.  Laurent started his career at Natixis Asset Management (formerly CDC Asset Management) as a Quantitative Engineer. From there he went on to IXIS Asset Management as a Fund Manager of fund of futures.  Laurent has 13 years experience in the investment industry and has been with <?php echo $sitename ?> for 4 years. </p>
							                     <p>Laurent holds a Post Graduate degree in Stochastic processes applied to in France from PARIS-VII Jussieu University, France and a degree in Civil Engineering from Ecole Centrale, Paris. </p>
							                     <h3>Hong Kong: +8hrs GMT</h3>
							                     <h4>Michelle Hilliman, Head of Multimanager, Asia Pacific</h4>
							                     <p>Michelle Hilliman joined the <?php echo $sitename ?> Multimanager team in November 2007 and was appointed as Head of Multimanager, Asia Pacific in March 2010.  She is responsible for the Multimanager research team and the management of its products; and product development across Asia Pacific.  Her prior role was Head of Research, Multimanager, Asia Pacific.  Michelle brings over 12 years investment experience in manager research, portfolio construction and funds management. </p>
							                     <p>Prior to joining <?php echo $sitename ?> Michelle worked for Northern Trust Global Advisors, the multi-manager arm of Northern Trust, for over 8 years in the London, US and Toronto, Canada offices.  She was responsible for manager research and program management for various asset classes including Asia Pacific, Emerging Markets and Global equities.  In 2006 and 2007, Michelle conducted extensive manager research meetings in mainland China and was the lead researcher for the Chinese equity asset class. Prior to Northern Trust, she worked as a financial advisor for TD Canada Trust.  She has 14 years investment experience and has been with <?php echo $sitename ?> for over 2 years.</p>
							                     <p>Michelle holds a Bachelor of Science (Honors’) in Biochemistry from Queen’s University; is a CFA Charterholder and was awarded the Certified Financial Planner designation in 2001.</p>
							                     <h3>Taiwan: +8hrs GMT</h3>
							                     <h4>Amber Hsu, Fund Manager</h4>
							                     <p>Amber joined <?php echo $sitename ?> Global Asset Management in July 2007 as quasi money market fund portfolio manager, Taiwan. In February 2008, she has transferred to Multimanager team, as fund manager for FoF portfolios.  Prior to joining <?php echo $sitename ?> Global Asset Management, Amber works for Uni-President Assets Management Corp. in Taiwan where she was a portfolio manager for bond fund and fund of bond funds portfolio manager in the Fixed Income Department.  Amber has 13 years experience in the Investment industry and has been with <?php echo $sitename ?> for 3 years.</p>
							                     <p>Amber has a Bachelor of Science in Business Administration from the Fu Jen Catholic University in Taiwan, a Master of Banking and Finance from the Tam-Kang University, Taiwan.  Amber is the Certified Securities Investment Analyst (CSIA, Taiwan) holder.</p>
							                     <h3>Shanghai: +8hrs GMT</h3>
							                     <h4>Michael Zheng, Analyst</h4>
							                     <p>Michael joined Bank Jintrust fund Management Company (a JV) as Head of Investment Advisory in October 2008, he is now responsible to conduct local fund research and FoF investment for Bank Jintrust and deliver the FoF investment advisory service to institutional clients. As a member of Bank Multimanager Asia team, he is also responsible to research and form recommendations on fund manager capabilities in the China for Multimanager Asia team.</p>
							                     <p>Prior to joining Bank Jintrust, Michael was with Allianz China life Insurance (a JV) as Director of Investment Department. Michael started his career from Allianz China Life Insurance as investment analyst, and advanced to head of fixed income investment, portfolio manager, senior manager and director. Michael has covered both fixed income and equity (Mutual fund) investment and managed over 7 investment accounts in Allianz China Life. Michael has 10 years of experience in the industry has been with Bank Jintrust for 1 year.</p>
							                     <p>Michael received a Bachelor degree of Engineering Project Management and a Master degree in Engineering Economics from Tongji University, Shanghai, China.  Michael also holds professional qualification including CFA and FRM and is a member of both CFA Hong Kong Society and Global Association of Risk Professionals.</p>
							                     <h3>Tokyo: +9hrs GMT</h3>
							                     <h4>Atsuhiko Masuda, Analyst</h4>
							                     <p>Arts joined Bank Global Asset Management as a Senior Investment Manager, Tokyo in June 2007, his main responsibilities include being in charge of Multimanager funds covering Japan and are General Manager Investment Division of Tokyo Office. </p>
							                     <p>Prior to joining Bank Global Asset Management, Arts was Head of Active Equity for Credit Agricole covering fund management of Japanese Equity Products.  Arts started his career at Morgan Grenfell as an Investment Banking officer mostly in charge of Mergers and Acquisitions advisory business for London and Tokyo.  Prior to joining Credit Agricole Arts was a Senior Portfolio Manager for Japanese Equity Products (Large Cap) at Daiwa SBI.  Arts has 22 years experience in the Investment industry and has been with Bank for 3 years. </p>
							                     <p>Arts holds an MBA from The Wharton School, University of Pennsylvania, USA and a BA Economics from Keio University, Japan, he is also a CFA Charterholder. </p>
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							               <h4>Get advice from a financial expert</h4>
							               <p class="intro">Bank <?php echo $shortname ?> Financial Advice is only available to US residents who have $50,000 or more in savings and investments and who are at least 18 years old at the time of the initial consultation.</p>
							               <p class="intro">You'll also need an Bank current account or savings account for us to be able to deduct your fee. We can accept payment from a First Direct current or savings account too.</p>
							               <p class="intro">If you don't qualify for Bank <?php echo $shortname ?> Financial Advice, or if you'd prefer not to pay for advice, see <a href="#" target="_blank">our self-directed investment options</a>.</p>
							               <p class="intro">If you are not a US resident, please refer to our <a href="#" title="Bank Expat Service, this link will open in a new window" target="_blank">Bank Expat service</a>.</p>
							               <p class="intro">Our US wide network of <?php echo $shortname ?> Client Managers can make sure you get the advice you need when you need it. You can arrange a meeting with one of our advisors at your local branch - or talk to them over the phone.</p>
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							                     <h5>A rigorous approach to financial planning</h5>
							                     <p>However simple or complex your requirements, our first step will be to discuss your current financial position and your goals in life. Then we'll look at how to achieve your objectives – now and in the future.</p>
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							                     <p>With one of the most comprehensive training programmes in the industry, our advisers keep their knowledge and qualifications up to date. We also ensure our advisers have access to a wide range of carefully selected financial products. So whatever stage in life you've reached, we'll recommend the best products to suit your needs.</p>
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							               <h4>Hand-picked specialists around the world</h4>
							               <p class="intro">Managing your exposure to risk is a priority for us. That's why we go to great lengths to understand your financial goals – and how much risk you're prepared to take to achieve them. We also explain the potential outcomes of each investment we recommend, so you know what to expect from the outset.</p>
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							                     <p>All investments carry some degree of risk. Greater risk often means a potentially greater return – but it can also mean the potential for greater losses. However, sometimes the greatest risk to financial growth might be to take no risk at all. It's all about getting the balance right.</p>
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							                     <p>When you make an investment, it should match your risk profile. Because the risk ratings of funds can change, we proactively manage our World Selection Portfolios to keep them within their risk classification. When you invest in our World Selection Portfolios, our aim is to remain in line with your attitude to risk. </p>
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