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<td align="center" style="padding:0;Margin:0;font-size:0px"><img class="adapt-img" src="https://content.app-us1.com/cdn-cgi/image/dpr=2,fit=scale-down,format=auto,onerror=redirect,width=650/3Ey59/2023/11/06/4ee4c3fb-b516-483f-bf8e-f395728bcb0b.png"
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font-size:18px;font-style:normal;font-weight:normal;color:#333333">Invest in Our Sustainable Future - Thames Water Utilities & Morgan Stanley Bond</h3><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;
font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px"><br></p><h3 style="Margin:0;line-height:17px;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-
serif;font-size:14px;font-style:normal;font-weight:normal;color:#333333">We hope this email finds you well. At Thames Water Utilities, we're excited to introduce our new investment opportunity in partnership with Morgan Stanley - a bond designed to not
only offer attractive returns but also to support our commitment to building a more sustainable future.<br></h3></td></tr><tr><td align="center" height="16" style="padding:0;Margin:0"></td></tr></table></td></tr></table></td></tr></table></td>
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<tr><td align="center" style="padding:0;Margin:0"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#
333333;font-size:16px"><strong>Introducing the Thames Water Utilities & Morgan Stanley Bond:</strong></p><ul><li style="-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica,
arial, sans-serif;line-height:21px;Margin-bottom:15px;margin-left:0;color:#333333;font-size:14px;text-align:left"><strong>Bond Tenure:</strong> 1-5 years</li><li style="-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;
font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:21px;Margin-bottom:15px;margin-left:0;color:#333333;font-size:14px;text-align:left"><strong>Minimum Investment:</strong> £10,000.00</li><li style="-webkit-text-size-adjust:
none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:21px;Margin-bottom:15px;margin-left:0;color:#333333;font-size:14px;text-align:left"><strong>Interest Rate:</strong>
8.25% Fixed</li><listyle="-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:21px;Margin-bottom:15px;margin-left:0;color:#333333;font-size:
14px;text-align:left"><strong>FSCS Protection:</strong> Your investment is fully protected by the Financial Services Compensation Scheme (FSCS)</li></ul></td></tr><tr><td align="center" style="padding:0;Margin:0"><!--[if mso]><a href="
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<!--<![endif]--></td></tr><tr><td align="center" height="16" style="padding:0;Margin:0"></td></tr><tr><td align="left" style="padding:0;Margin:0"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;
font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#333333;font-size:16px;text-align:center"><strong>Investing in Our Sustainable Future:</strong></p><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-
adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;text-align:center"><br></p><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:
none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;text-align:center">Thames Water Utilities is committed to delivering the highest standards of water and
wastewater services to our customers while being environmentally and socially responsible. This bond is a significant step towards realising our sustainability objectives, and we'd like to share some key aspects of our plan with you:</p><p style="Margin:
0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;display:none"><br></p></td></tr><tr><td align="
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<td align="center" height="16" style="padding:0;Margin:0"></td></tr><tr><td align="center" style="padding:0;Margin:0"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, '
helvetica neue', helvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px"><strong>1. Water Efficiency and Conservation:</strong> We are investing in innovative technologies and infrastructure upgrades to reduce water wastage and
promote responsible water usage. This not only contributes to the preservation of this invaluable resource but also helps in addressing water scarcity issues in the long run.</p><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;
mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px"><strong>2. Renewable Energy Initiatives:</strong> Thames Water Utilities is actively transitioning to renewable
energy sources, reducing our carbon footprint and operating our facilities in an environmentally friendly manner. By supporting our bond, you are helping us fund clean energy projects that will reduce our carbon emissions.</p><p style="Margin:0;-webkit-
text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px"><strong>3. Biodiversity and Conservation:</strong> We are
committed to preserving and enhancing the natural environment within our operational areas. Our sustainability plan includes initiatives to protect local ecosystems, promote biodiversity, and contribute to the overall health of the communities we serve.</
<p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px"><br></p><p style="Margin:0;-
webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px"><strong>4. Community Engagement:</strong> We believe
that involving our communities is crucial to our sustainability goals. We are actively engaging with local communities to promote water education, outreach, and involvement, encouraging responsible water usage and environmental awareness.</p><p style="
Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px">By investing in our bond, you are not only
securing a stable financial future but also supporting a company that is dedicated to making a positive impact on the environment and the communities we serve.</p></td></tr><tr><td align="center" height="16" style="padding:0;Margin:0"></td></tr><tr><
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</tr><tr><td align="left" style="padding:0;Margin:0"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:21px;color:#
333333;font-size:14px;text-align:center">We invite you to join us in our journey towards a more sustainable future. Your investment can make a significant difference and align your financial goals with environmental and social responsibility.</p><p
style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;text-align:center">Thank you for
considering this exciting opportunity. We look forward to having you on board as we work together to build a more sustainable future for all.</p><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-
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roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;text-align:center">Warm regards,</p><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:
roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;text-align:center"><br></p><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, '
helvetica neue', helvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;text-align:center"><br></p><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica
neue', helvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;text-align:center">Thames Water Utilities</p><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, '
helvetica neue', helvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;display:none"> </p></td></tr></table></td></tr></table></td></tr></table></td></tr></table><table cellpadding="0" cellspacing="0" class="es-content"
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table><table class="es-footer ac-footer" cellspacing="0" cellpadding="0" align="center" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;table-layout:fixed !important;width:100%;background-color:transparent;
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