FAQs

STEP offers a range of qualifications tailored to different career stages and learning goals:

STEP Certificates

• Open-entry qualifications
• Ideal for those new to the profession or seeking an introduction to a specialist topic
• Set at Level 4 on the UK qualifications framework
• Successful completion awards 30 Entry-Level credits
• Credits can count towards eligibility for STEP Advanced Certificates

STEP Advanced Certificates

• Designed for experienced practitioners
• Focused on deepening knowledge in a specific subject area
• Require 60 Entry-Level credits to enrol
• Contribute towards the STEP Diploma

STEP Diploma

• Achieved by completing four STEP Advanced Certificate papers
• Provides the comprehensive knowledge required to become a Full STEP Member

STEP Postgraduate Diploma

• For senior professionals and aspiring business leaders
• Focuses on strategic thinking, risk assessment, and expanding business portfolios
• Suitable for both experienced practitioners and ambitious early/mid-career professionals

CPD Learning

• Open-entry and on-demand
• Covers both technical and non-technical subjects across all practice areas
• Ideal for professionals seeking flexible learning to support ongoing development

STEP and CLTI qualifications are internationally recognised and benchmarked by regulators and education authorities. They demonstrate a high standard of professional knowledge and competence in the trust and estate planning sector.

STEP Qualifications

STEP qualifications are awarded at the following levels:

• Certificate: Assessed at Level 4
• Advanced Certificate / Diploma: Assessed at Level 6
• Professional Postgraduate Diploma: Assessed at Level 7

These qualifications are awarded by STEP and many are delivered in partnership with Alliance Manchester Business School, part of the University of Manchester.

CLTI Qualifications

CLTI qualifications are awarded at:

• Certificate: Assessed at Level 3

Please note: CLTI Certificate courses do not carry credits towards STEP membership.

Successful completion of a STEP qualification does not by itself lead to a licence to practice probate or other reserved activities. Some STEP qualifications are recognised by ICAEW and CLC for those applying to be a Licensed Probate Practitioner. 
 
For further information, please see the following links:

• The Mazur Guidance Note
• STEP Membership Benefits
• ICAEW
• CLC

We are dedicated to facilitating Continuing Professional Development (CPD) for all our students through our diverse range of courses and qualifications. We understand the importance of staying up-to-date with the constantly changing legislation and industry trends.

STEP’s CPD policy is based on role benchmarking and does not mandate a specific number of CPD hours. This ensures that on-the-job learning remains a valuable and purposeful tool for professional growth. Many professional bodies are increasingly adopting a needs-driven approach to CPD, and as such, we do not prescribe CPD hours for STEP courses. Instead, we encourage individuals to assess which CPD activities are most relevant to their professional development and tailor their CPD plans accordingly.

That said, we recognise the importance of CPD and have found that our qualifications generally meet the annual CPD requirements of regulators and professional bodies. While we can provide a certificate of attendance to support CPD applications, students are responsible for self-certifying the time spent independently working through the course material and reflecting on their learning.

For information on STEP’s CPD requirements, please refer to the STEP website.

Most STEP and CLTI courses have two intakes per year:

• January
• June/July

Some courses, such as the International Trust Management programme, may follow different schedules.

The Professional Postgraduate Diploma is offered once a year, starting in September.

To check specific intake dates for a course, please visit our Learn and Develop webpage, select your chosen course, and view the course timetable for full details.

To enrol on a STEP course, you must hold the appropriate level of active STEP membership:

• STEP Certificate: Requires Student Membership or higher
• STEP Advanced Certificate and Professional Postgraduate Diploma: Require Affiliate Membership or higher

To pay for your STEP membership or renew it, please contact STEP directly. Their team will guide you through the payment process and assist with any membership queries.

For more details on membership levels and benefits, visit the STEP website.

No formal qualifications are required to apply for STEP Student Membership. However, applicants must:

• Apply online via the STEP website
• Provide a character reference as part of the application

Once your Student Membership is active, you can enrol on a STEP Certificate qualification.

To become a STEP Affiliate, Associate, or Full Member, please refer to the Qualifications and Membership Framework and contact STEP directly for guidance.

CLTI Certificate in Fund Administration is open-entry and open to anyone.

STEP CPD courses are open-entry and open to anyone.

There are specific requirements to study the following:

• STEP Certificates
• STEP Advanced Certificates
• STEP Diploma  
• STEP Postgraduate Diploma in Private Wealth Advice

To check if you meet the requirements for these qualifications, please visit our Entry Requirements page for full details on the qualifications and experience needed.

Only Full Members of STEP (TEPs) are permitted to:

• Use the TEP designation after their name
• Display the STEP logo for personal professional use (not for firm-wide branding)

Student, Affiliate, and Associate Members are not permitted to use the TEP designation or the STEP logo.

For more information on membership levels and usage guidelines, please visit the STEP website.

To renew your STEP membership, please contact STEP directly. Their team will be happy to assist you with the renewal process and answer any questions you may have.

For contact details and further information, visit the STEP website.

Course fees vary depending on the qualification. To view the cost of a specific course:

1. Visit our Learn and Develop page
2. Select the course you're interested in
3. Scroll down to “View course fee and enrol now” for full details

If you need help finding fee information or comparing courses, please contact us.

We offer flexible payment options for both self-funded students and those sponsored by their employer:

Self-Funding

You can pay your course fees in full by credit or debit card at the time of enrolment. For selected courses, we also offer interest-free instalment plans:

• Three monthly instalments for Certificate and Advanced Certificate courses over £800 (excluding VAT)
• Six monthly instalments for the Professional Postgraduate Diploma

You can select the instalment plan during enrolment. The first payment will be taken immediately.

Employer-Sponsored

If your employer is funding your studies:

• Enter your employer’s details during enrolment
• Choose to pay in full by credit/debit card or request an invoice (payable within 30 days)
• Provide a purchase order number and VAT registration number if required by your employer

You have 10 working days from the date of enrolment to change your mind and request a full refund.

To do this:

Submit your refund request in writing by completing the webform on our Contact Us page within the 10-day period.

Please note: Refunds are subject to our booking terms and conditions.

Yes, you can enrol up until the closing enrolment date published on the course timetable. However, we strongly recommend enrolling as early as possible to:

• Maximise your available study time
• Avoid disappointment, as places are limited for each cohort

If you enrol close to the start date, you’ll be expected to review the initial course modules before your first live teaching session to ensure you're up to speed.

For specific enrolment deadlines, please refer to the course timetable on the Learn and Develop website page.

No, membership must be active and verified before enrolment can be confirmed.

STEP qualifications require students to hold the correct level of membership before enrolment. This ensures students are part of the STEP professional framework, have access to resources, and meet eligibility criteria.

STEP Certificate: Requires Student Membership or higher.

STEP Advanced Certificate: Requires Affiliate Membership or higher.

If all required information is submitted correctly, STEP typically processes membership applications within 5 working days.

For updates or assistance with your application, please contact STEP directly via the STEP website.

If your membership number isn’t verifying during checkout, try the following:

1. Confirm your membership is active by contacting STEP at step@step.org
2. Check that the surname you’re using to enrol matches the one used when applying for STEP membership
3. If your membership is active and the issue persists, please contact us. 

For group enrolments of two or more employees, please contact the CLTI/STEP Employer Relationship and Sales teams directly. They will guide you through the process and ensure everything is set up correctly.

If employees from the same firm are enrolling individually, they may still do so via the website.

For assistance with group enrolments, please email us.

Exemptions are available for a maximum of two STEP Advanced Certificates studied as part of the STEP Diploma.  

An exemption may be available where you hold a qualification (or qualifications) that correlates very closely in both content and level to the STEP Advanced Certificate from which exemption is sought.

Key Points:

• Exemptions are only available to active STEP Affiliate, Associate, or Full Members
• The exemption fee is £200 (plus applicable local taxes)
• All exemption requests are assessed against STEP’s Exemptions Policy

To apply or learn more about the criteria and process, please contact us directly or refer to our Exemptions Policy

The recommended study time is four to six hours per week for the duration of the course, not including attendance at live teaching.

If you have a disability or learning difficulty, the standard format of training or assessment may not meet your needs. CLTI is committed to making reasonable adjustments to ensure fair access to training and assessment.

We aim to:

• make our training delivery accessible to all learners 
• ensure assessments accurately reflect individual achievement. 

For more details, please refer to our Accessibility Statement.

CLTI will make every effort to accommodate specific requirements based on individual circumstances. To understand how we support learners with additional needs, please read our Reasonable Adjustment Policy.

How to request support:

1. Complete and submit Reasonable Adjustments Form
2. Our Learning Support team will review your request and contact you to confirm the approved adjustments.

To access your course materials, follow these steps:

1. Log in to the CLTI Learning Hub.
2. From the left-hand menu, click ‘Courses’.
3. Select ‘My Courses and Results’ from the dropdown.
4. On the top right of the page, click the bright pink ‘Go to Courses’ button.

This will take you to your Learning Platform dashboard, where all your course materials and resources are available.

Course durations vary depending on the qualification:

CLTI Courses

• CLTI Certificate: Approx. 3 months of study
  • Students have 12 months’ access to course materials and may sit the exam at any time during this period.
• CLTI Advanced Certificate: Approx. 4 months

STEP Courses

• STEP Certificate & Advanced Certificate: Approx. 4 months
• Exception: STEP Advanced Certificate in Advising Vulnerable Clients – 6 months, delivered in two parts

STEP Professional Postgraduate Diploma: Approx. 6 months

All courses must be completed within 2 years from the date of enrolment, including any resits or deferrals.

You have up to five years to complete the STEP Diploma, starting from the date you enrol in your first STEP Advanced Certificate.

Each individual STEP Advanced Certificate must be completed within two years of enrolment, including any deferrals or resits.

If you study continuously or take multiple papers at once, you may be able to complete the Diploma in two years or less.

For full details on course timelines, please refer to the Learn and Develop page or contact us directly.

It’s important to keep your contact and billing details up to date. This includes changes to:

• Name
• Address
• Phone number
• Email address
• Employer (if applicable)
• Billing address

To request changes: Please complete the Contact/Account Change Request Form and submit it to us, and we will update your details.

Most courses have a screen-reader-friendly, accessible PDF manual that you can download and print. 

To access the PDF manual:

1. Log in to your Learning Platform 
2. On your course page, look for the tile labelled 'Additional Resources' 
3. View and download the accessible PDF course manual.

For the best experience, we recommend logging into your CLTI Learning Hub, reading through the course modules, and referring to the guidance documents before attending live teaching.
 
We would strongly recommend that you test your equipment to make sure you can log in to avoid any delays in accessing the session on the day. Check that your device audio and microphone are working well and are enabled during the live session for the best experience.
 
Below is the link to a support video for the main software that we use.

Zoom user support video 

We strongly recommend attending all live Virtual Classroom sessions to get the most out of your learning experience. However, if you’re unable to attend:

• Don’t worry — every session is recorded.
• Recordings are uploaded to your course page within 48 hours of the session.
• Once available, the “JOIN” link for the Zoom session will change to a “PLAY” link, allowing you to watch the recording at your convenience.

Note: While attendance is encouraged, missing a session will not affect your final grade.

Yes — if you have academic questions about your course content or assessments, please contact us. We will forward your query to a tutor on your behalf, and you’ll receive a detailed response once available.

Important:

• Please submit academic queries at least 7 days before your assessment deadline.
• Tutors aim to respond promptly, but due to demand, we cannot guarantee a reply within 7 days of your assessment.

Yes — you can apply to defer your studies to a later cohort if your circumstances meet the criteria outlined in our Mitigating Circumstances Policy.

To request a deferral:

1. Complete and submit the Mitigating Circumstances Form.
2. Include supporting documentation where possible.
3. Our Learning Support team will review your request and confirm whether it has been approved.

Important notes:

• If approved, a deferral fee of 500 GBP (plus VAT where applicable) will apply. A payment link will be provided upon approval.
• All CLTI courses must be completed within two years of your initial enrolment, including any deferrals or resits.
• You are permitted a maximum of two deferrals for each qualification.
• Your course fees must be paid in full, with no outstanding balance on your account.

We’re committed to maintaining the highest standards for our learners, and we’re sorry if we haven’t met your expectations.

To make a formal complaint:

1. Visit our Contact Us page and complete the webform.
2. In Section 3, select the option “Make a formal complaint".
3. Submit the form with details of your complaint.

Once received, a member of our team will review your complaint and get in touch to discuss next steps.

You can also view our full Complaints Policy for more information.

If you’ve forgotten your password or need to reset it:

1. Go to the Learning Hub login page.
2. Click the ‘Forgot Password’ link.
3. You’ll receive an email from "Okta" (our secure password system) at your registered email address with instructions to reset your password.

Tip: If you don’t receive the email, please check your spam/junk folder. If it’s not there, contact us and we’ll assist you further.

If you're experiencing technical issues that prevent you from submitting your assignment through the Learning Platform:

• Contact us immediately via Live Chat or by phone on +44 (0)121 362 7733.
• Make sure to get in touch before your assessment deadline, so we can help resolve the issue and ensure your submission is accepted.

Your login details depend on how your account was created when enrolling:

• If you created your own account, your Learning Hub login details will be the same as those you set during registration.
• If your employer purchased your course on your behalf, you’ll receive an activation email from "Okta" (our secure password system).
• The email will contain a link to activate your account.

Note: The link is valid for 7 days.

If you haven’t received the activation email, please check your spam/junk folder. If it’s not there, contact us and we’ll assist you further.

If you encounter an error when trying to log in:

1. Take a screenshot of the error message, including:
   • The URL shown in your browser
   • Any visible error codes or messages
2. Contact us and share the screenshot along with any relevant details so we can investigate the issue.

All Virtual Classroom links are available in your Course Calendar within the Learning Hub, under the relevant classroom tab.

If you're having trouble accessing the session, try the following tips:

Device & Browser:

• Use a laptop or desktop PC (not a tablet or mobile device).
• Recommended browsers: Google Chrome, Microsoft Edge, or Safari (Mac).
• Avoid using Citrix or other desktop virtualisation software.
• Disable any VPN before joining.

Work Device Restrictions:

• If you're using a work device, security software may block Zoom.
• Try using a personal device.
• If that’s not possible, speak to your IT department to unblock access.

Platform Compatibility:

• Zoom is supported on desktop browsers.

Test Your Equipment:

• Watch the support videos below to check your setup:
  • Zoom Support Video

Still having trouble?

Contact the Learning Support team:

Live Chat via the CLTI website

Phone: +44 (0)121 362 7733

All assessments must be submitted as a single Microsoft Word document.

PDF files will not be accepted.

If you are studying tax or accountancy exams, you may submit:

• One Microsoft Word document, and
• One Excel document (if required by the assessment).

Please ensure your documents follow all submission guidelines, including file naming, anonymity, and referencing requirements.

Latin terms should be used only when there is no suitable alternative in plain English. They are acceptable when:

They are a ‘proper’ name (e.g. donatio mortis causa).
They convey a specific legal or technical meaning that cannot be easily translated (e.g. sui juris).

Avoid using Latin terms unnecessarily, especially where a clear English equivalent exists.

You should include a citation (reference) whenever you:

• Use someone else’s work or ideas
• Paraphrase, quote, or summarise another source
• Refer to or draw upon someone else’s research, theory, or data

The purpose of referencing is to clearly identify the source you are relying on. This includes:

• Author
• Title of the work
• Date of publication
• Page number (if applicable)
• For web sources: Date and time of access

Always show the marker exactly where you found the source to ensure transparency and academic integrity.

To ensure your assessment meets academic standards, avoid the following common errors:

• Typing out or repeating the question
• Overly long introductions
• Irrelevant or ambiguous content
• Lack of authority, excessive use of authority, or irrelevant sources
• Over-explaining case details instead of focusing on their relevance
• Jumping to conclusions without proper analysis
• Missing or inappropriate conclusions
• Illogical structure or repetition of information
• Incoherent writing or lack of clear paragraphs and sentences
• Poor grammar (e.g. splitting infinitives, mixing singular and plural)
  Inappropriate tone, including slang or jargon
• Using abbreviations without defining them

Aim for clarity, relevance, and structure. Your work should be well-reasoned, properly referenced, and professionally presented.

There are many different software options that you can choose from to create a .pdf file. If you have not already got a .pdf converter software, you can obtain it free of charge online. We strongly recommend that you organise this prior to your assessment.

No – once the assessment paper has been published, you cannot defer to a future sitting.
If you choose not to attempt the assessment or not to submit your answer:

• You will be awarded a mark of 0.
• Your next attempt (if within the permitted number) will be classed as a resit.

Please ensure you are ready to proceed before accessing the assessment paper.

Microsoft Word makes it easy to insert footnotes for referencing sources.

To insert a footnote:

• Click where you want the footnote number to appear (usually after the quote, paraphrase, or reference).
• Go to the 'References' tab in the toolbar.
• Select 'Insert Footnote'.
• A number will appear in the text, and a matching number will appear at the bottom of the page.
• Type your reference details in the footnote area at the bottom.

Refer to your Assessment Handbook for guidance on what information to include in footnotes to ensure proper citation.

The word count limit for your assignment is:

• Recommended minimum: 3,000 words
• Standard limit: 3,500 words
• Absolute maximum: 4,000 words

Assignments under 3,000 words are unlikely to contain sufficient detail and may not meet the required standard.

Penalties for exceeding the word count:

• 1% to 50% over the limit: 10% deduction from your final mark
• More than 50% over the limit: Your work will not be marked, and a mark of zero will be recorded.

The submission deadline is 23:55 UK time on the scheduled date.

Late Submission Penalties:

• Up to 5 days late: 5% deduction from your final mark
• 6–10 days late: Additional 2% deduction per day
• More than 10 days late: Submission will not be accepted

Please ensure you submit your assignment on time to avoid penalties or disqualification.

A clerical check is a review process that verifies the accuracy of your result. It includes:

• Confirming that all assessment procedures were correctly followed
• Reviewing your answer script to ensure the final result reflects the marks awarded
• Checking that any mitigating circumstances submitted were appropriately considered

Important Notes:

• The clerical check does not include additional feedback on your performance
• Requests must be submitted within four weeks of your result being released
• The check is free of charge
• For help submitting a request, contact the Learner Support Team

The entire syllabus is examinable, and assessment questions may be based on any material provided in your course resources.

Important Notes:

• Questions will not be set on legislation that is less than six months old.
• You will not be penalised for referring to outdated laws if they are presented as current in your course materials.
• You will also not be penalised for referencing new legislation not covered in the course materials.

If you have any questions about what may be assessed, please contact us for clarification.

For STEP qualifications, the minimum pass mark for each individual assignment or exam is 50%.

• If you score below 50%, your result will be recorded as a fail.
• You must resit the failed assignment or exam at the next available opportunity, provided you are within the permitted number of attempts.

Results are released as soon as reasonably possible following:

• Marking
• Moderation
• Approval by the Examination Board

This process typically takes approximately 6–8 weeks after the date of your examination or assignment submission.

You will receive an automated email notification from CLTI confirming that your mark and feedback are available on the CLTI Learning Hub.

How to Access Your Results:

• Log into the CLTI Learning Hub
• Go to ‘My Course & Record of Learning’
• Select ‘Completed Courses’

Note: Results are not provided over the phone.

Troubleshooting -  If your results don’t appear:

• Check the timing: Results may not be available immediately. Refer to your course’s release date.
• Refresh the page: A simple refresh may update the view.
• Check for system updates: Look out for any announcements about platform maintenance or delays.

If the issue persists, please contact us via the Contact Us Form and we’ll assist you.

Personalised feedback is not a standard feature of CLTI courses.

However, if you have failed your exam and are struggling to understand where marks may have been lost, you can contact the Learner Support Team. They can provide a breakdown of the marks allocated to each question.

Please note:

• Examination scripts will not be returned under any circumstances.
• Re-marking or re-evaluation of scripts is not offered.
• All examination papers undergo a rigorous marking and quality assurance process before results are released.

If you believe there are valid grounds to challenge your result, you may submit an appeal. Appeals must be based on one of the three specific grounds outlined in the CLTI Appeals Policy.

Appeals will not be accepted solely on the basis of dissatisfaction with your mark.

For STEP qualifications, the following grade boundaries apply:

• 70+ Distinction
• 60-69 Merit
• 50-59 Pass
• Below 50 Fail

The STEP Diploma can be awarded at Pass, Merit, or Distinction level.

Overall Diploma Award Criteria:

• To achieve a Merit, you must average 60% or more across the four papers.
• To achieve a Distinction, you must average 70% or more across the four papers.

If you are exempt from one or two papers, the same criteria apply based on the average of the two or three papers you complete.

STEP Qualifications:

• You are permitted a maximum of two resits (three attempts in total) per course.
• A resit fee applies.
• If you wish to re-attend live teaching or access recordings, an additional fee will apply.

Certificate in Fund Administration:

• You are allowed three attempts at the examination, all included within the course fee.
• You may attempt the exam at any time, without needing to inform CLTI in advance.

Book your resit

Unfortunately, we are unable to disclose which questions you answered incorrectly.

This policy is in place to protect the integrity of the question bank and ensure fairness across all assessments.

If you have concerns about your result or need support understanding your performance, please contact the Learner Support Team.

You will receive your certificate within 4-6 weeks of your final results being released.

Yes – you can order a replacement certificate for your CLTI qualification.

This will incur a fee.

You should expect to receive your certificate within approximately 21 working days of payment.

Please allow extra time for delivery to addresses outside the United Kingdom.

Important Notes:

• CLTI reserves the right to decline the issue of a replacement certificate.
• If your application is declined, the fee will be refunded in full to the card used for the transaction.

Order your replacement certificate

STEP/CLTI – Generative AI Policy Update

STEP and CLTI have a formal policy regarding the use of Generative Artificial Intelligence (Gen.AI) tools in assessments. This update clarifies expectations for learners and those involved in academic delivery and assessment.

Definition of Gen.AI

Gen.AI includes tools such as:

• ChatBots (e.g. ChatGPT)
• AI tools that generate text, images, graphics, or sound
• Advanced search engines using AI
• Voice-responsive devices
• Grammar and spelling tools that generate alternative text, not just correct errors

Permitted Use

• Gen.AI tools may be used to assist with research.
• Verbatim use of AI-generated text is strictly forbidden and considered plagiarism, unless:
  • Small amounts of AI-generated text are used
  • Proper referencing and citation protocols are followed

Declaration Requirement

Any use of Gen.AI, including for research, spelling, or grammar correction, must be declared at the start of your submission.

CLTI provides a declaration statement in the submission area. By submitting your assessment, you confirm that your work is your own and complies with academic integrity guidelines.

Legitimate use of Gen.AI within policy terms will not be penalised.

Undeclared use may result in investigation and penalties if malpractice is identified.

Yes, you can request an academic transcript, which is an official record of your academic progress with CLTI.

Your transcript will include:

• Details of all units and modules you have taken
• Your results for each assessment element

Fees:

• A fee applies for this service.
• If you require transcripts for multiple programmes, a separate fee applies for each qualification.

Request an academic transcript

Steps to Request Proof of Qualification

1. Submit a Reference Request
   • Visit the CLTI Reference Requests page.
2. Pay the Fee
   • There is a fee applicable for this service.
3. Complete the Consent Form
   • If you're requesting on behalf of someone else, you must submit a signed consent form authorising the release of their personal information.
4. Processing Timeline
   • After payment, CLTI will contact you within 48 hours to request the consent form and any additional details.

Once all documents are received, you’ll get the reference by email within 5 working days.

You cannot automatically request a re-mark of your assessment.

However, you may submit a formal appeal regarding the final decision of an Assessment Board, provided it is:

Submitted within 20 working days of receiving your final grades.

Based on one or more of the following grounds:

Valid Grounds for Appeal:

1. Undisclosed mitigating circumstances
   • There were circumstances affecting your performance that the Assessment Board was unaware of, for good reason, and which may have materially affected the decision.
   • You must provide credible and compelling reasons, along with supporting documentation, explaining why this information was not shared earlier.
2. Material administrative error or procedural irregularity
   • An error occurred in the assessment process or in applying programme regulations, which may have impacted the outcome.
   • You must include evidence of the error or irregularity.
3. Evidence of prejudice, bias, or improper assessment
   • There is evidence of unfair treatment or a lack of proper assessment by one or more examiners.
   • Dissatisfaction with your grade alone is not sufficient. You must provide supporting evidence.

Appeals questioning the academic or professional judgement of assessors will not be permitted.

How to Submit an Appeal:

1. Read the full CLTI Appeals Policy.
2. Complete the Appeal Form.
3. Submit the form via the CLTI Contact Us Webform:
   1. Select: “I am currently studying/an CLTI member and need some support with:”
   2. Then choose: “Existing Learning Support” → “Appeals”
   3. You will receive an automated email with a case number. Reply to this email with your completed form and supporting evidence.

Evidence must be submitted within 48 hours of your appeal. Late evidence will not be considered.

We aim to respond to appeals within 20 working days, unless advised otherwise.