“I cannot extract from the legislation any underlying or overriding purpose enabling me to conclude that parts of the scheme may be ignored.” 50 For HMRC, Mr Lasok QC based his argument on the view of his clients that the schemes were “designed to abuse the provisions of Part 7 of ITEPA so as to avoid a charge to income tax and NICs on remuneration to employees”
“... in your case the actual incentive award for 2003 is guaranteed to be not less than £...”
“You will not be eligible to receive your incentive award if you or the bank have served notice of termination prior to the incentive payment date. In the case of your guaranteed incentive award, you will be entitled to receive the award if your employment has terminated because of total disability, death, retirement or redundancy.” 76 The first point that emerges from this is that an employee who receives a guaranteed bonus may also receive additional bonus. In so far as the bonus is in addition to the amount stated to be guaranteed, then the guarantee does not apply to it. Any additional amount must be considered in the same way as the full bonuses provided to those with no guarantee. 77 The second point is that the guarantee is just that, save for the limitation. It is to be received unless either the employee himself or herself serves notice to quit, or the employer serves notice for some reason other than the four reasons stated. The tribunal did not examine the contracts of the employees in detail to establish what grounds were available to an employer of such an employee. In the absence of evidence the tribunal assumes that the general law applies and that the employer has the same rights as any employer to dismiss without notice for gross misconduct, but would otherwise be liable for any wrongful or unfair dismissal. However, in reality, if an employee is given notice in these circumstances (but not redundancy) then the entitlement to receive any further sums from the employer would be lost in any event or alternatively open to recovery by other means. 78 In principle, and subject to evidence of contracts not seen by the tribunal, the tribunal finds that the guaranteed part of the bonus should be regarded as precisely that. It is fully satisfied that the letters reflected specific negotiations with specific individuals, and notes that the letters also say that the provisions apply “exceptionally in your case...”
“(a) there is any contract, agreement, arrangement or condition which makes provision to which any of subsections (2) to (4) applies, and (b) the market value of the employment-related securities is less than it would be but for that provision.” 86 Section 422 provides that these conditions must be met at “the time of the acquisition”
“... acquired by a person where the right ... to acquire the securities or interest is available by reason of an employment of that person or any other person. (2) For the purposes of subsection (1)— (a) securities are, or an interest in securities is, acquired at the time when the person acquiring the securities or interest becomes beneficially entitled to those securities or that interest (and not, if different, the time when the securities are, or interest is, conveyed or transferred) ...” 87 It was not in dispute that the employees acquired their interests in the shares in the Scheme by reason of their employments. The tribunal finds that the day on which the employees acquired their interests in the shares was29 January 2004 . 88 Two questions therefore arise: were there restrictions in place at the time of acquisition by the employees? If there are restrictions in place, did they affect the market value of the shares? 89 The new Memorandum of ESIP Ltd authorised a change in the share capital. Article 2 (“share capital”) of the Articles provided the details. The most important of the provisions of Article 2 relevant to this appeal (with abbreviations added) are: “(1) The Company shall have an authorised share capital of UK£27,000 divided into (i) 2,600,000 Voting Ordinary Shares with a par or nominal value of UK£ 0.01 each (“VOS”) and (ii) 100,000 Non-Voting Shares with a par or nominal value of UK£0.01 each (“NVS”) ... (6) The unissued NVS shall be at the disposal of the directors and (save as otherwise directed by the Company in general meeting) they may allot or otherwise dispose of them to such persons at such times and generally on such terms and conditions as they think proper, subject nevertheless to this Article 2, and provided that no shares shall be issued at a discount. (7) Subject to Article 2(15) the rights attaching to a NVS of the Company shall be as follows: ... (d) Some or all of the NVS may be redeemed by the Company at any time after the expiry of the Restricted Period at a price per NVS equal to the Redemption Value divided by the number of NVS in issue at the relevant date (“the Redemption Price”) ... (e) On the First Optional Redemption Date some or all of the NVS held by a Holder shall be redeemable on notice to the Company given by the Holder during the Notice Period at a price equal to the Redemption Price ... ... (14) Unless a sale has previously occurred under this Article 2(14), if the closing value of the Index on any date during the Restricted Period is greater than the Trigger Level, the legal and beneficial interest in each NVS in issue shall be immediately and automatically sold to the Purchaser for a consideration equal to the Forfeiture Price. Any such sale shall be regarded as effecting the transfer of beneficial ownership of such NVS at that time, and shall be completed by the transfer of the registration of that NVS into the name of the Purchaser as soon as practicable after that time (in all cases notwithstanding the fact that the Forfeiture Price has not yet been paid to the Holder), and the Forfeiture Price shall be paid in full by the Purchaser to the Holder of the NVS no later than30 April 2004 . If the preceding paragraph applies:” [the paragraph then sets out administrative provisions] “During the Restricted Period, unless an automatic sale for a consideration equal to the Forfeiture Price has taken place in accordance with the above provisions of this Article 2(14), any interest (whether legal or beneficial) in a NVS shall not be transferable for Consideration in any circumstances and in the event of any purported transfer of such NVS or interest therein for Consideration such purported transfer shall be null and void and the purported transferee shall not be entitled to be registered as a Holder of that NVS. (15) Notwithstanding the preceding provisions of these Articles and anything else expressed or implied in these Articles, at any time at which the Holder of beneficial owner of any NVS is a Group Company, that NVS shall, except to the extent that the Group Company is the Purchaser and has acquired the NVS pursuant to Article 2(14), confer the following rights and for the avoidance of doubt the provisions set out in Article 2(7) to 2(14) (other than Article 2(13) shall not apply to that NVS:” [The sub-paragraphs that follow remove rights to dividends and distributions and to receive notices of or vote at any meetings save those affecting NVS rights, entitle the holders of the shares to recover only the nominal value of the shares on winding-up and prohibit any transfer or redemption.]” 90 The “Restricted Period” is defined elsewhere as being the period from 1 pm on29 January 2004 to19 February 2004 . The “Index” is the London Stock Exchange share index usually referred to as the FTSE 100. (This was decided by the directors of ESIP Ltd, and is common ground). The “Trigger Level” is the FTSE 100 level of 4947.15. (This was also determined by the directors). The “Forfeiture Price” was 90 per cent of the then Market Value. The “Purchaser” was UBS Employee Benefits Trust Ltd. The “Market Value” was the price estimated in good faith by the directors to be obtainable on a sale of the NVS in the open market between a willing seller and a willing buyer with no restrictions applying. 91 In other words, if at any time between 1 pm on Thursday29 January 2004 and Thursday19 February 2004 (that is, three weeks later) the level of the FTSE 100 index exceeded 4947.15, then the automatic forfeiture provision applied. As a result the employee would receive in due course only 90 per cent of the amount he or she would otherwise receive on redeeming the share. 92 Was this a “contract, agreement, arrangement or condition which makes provision to which any of subsections (2) to (4) applies” for the purposes of section 423 of ITEPA? The full text of the section is set out above. 93 For the Appellants, Mr Prosser QC submitted that the NVS were real shares with real economic consequences. Further they were shares to which the provisions in the articles and the resulting trigger applied as an arrangement or condition and that subsection (2) applied to them. This requires: “(a) ... a transfer, reversion or forfeiture of the employment-related securities, or (if the employment-related securities are an interest in securities) of the interest or the securities, if certain circumstances arise or do not arise, (b) as a result of the transfer, reversion or forfeiture the person by whom the employment-related securities are held will cease to be beneficially entitled to the employment-related securities, and (c) that person will not be entitled on the transfer, reversion or forfeiture to receive in respect of the employment-related securities an amount of at least their market value (determined as if there were no provision for transfer, reversion or forfeiture) at the time of the transfer, reversion or forfeiture.”
“3. The value of “X” [the trigger price] above needs to be chosen so that there is a 10% chance of it being hit ... 4. We would then want to hedge the employee’s market risk by buying out of the money [given to the SPV] call options within the SPV itself (not by the employees themselves). What we are thinking of is that the SPV would purchase sufficient ... call options that, if the ... share price does hit [the trigger level] within the one month, the option payout is sufficient to compensate employees for their obligation to sell the SPV shares at 90% of FMV.” 101 That thinking remained a central strand of the Scheme. It was presented to senior management of UBS in December 2003 by Geoffrey Hayward’s second in command in these terms (taken from a copy of the Powerpoint presentation slides in the papers): “Trigger Event”
“Mon 26 Jan. ESIP Ltd board meets. Geoffrey reports that he has met with UBS the previous day. UBS has indicated that it intends to offer to subscribe for NVS on certain terms (draft terms presented to meeting). Notes that he has received a presentation from UBS London Equities proposing hedging strategy which directors should consider to meet the terms of subscription. Directors agree these are sensible but await offer from UBS. Could be 27th Document 17: ESIP Ltd board minute reflecting above. Wed 28 Jan In late pm (near LSE closing time) London HR sub-committee meets and submits offer (with FTSE trigger number). Fixed. Document 12: HR sub-committee minutes reflecting above. Document 13: Letter from UBS London to ESIP LTD setting out subscription offer for B shares ... Thu 29 Jan ... ESIP Ltd board meeting to decide to place order for FTSE options with UBS London Equities. Document 17: ESIP Limited board minutes reflecting above. Order placed by phone by ESIP Ltd to UBS London Equities for purchase of FTSE options.” 103 The UBS offer was made as planned. It contained the requirement foreseen in the December presentation that ESIP Ltd keep 97 per cent of the capital for investment but use 3 per cent for the purchase of options. That was agreed and the options were purchased. The papers also contain documents showing the thinking behind the level of options required. These include drafts of an index call warrant in the name of UBS Investment Bank. The proposal is for a settlement amount of 14.112% on settlement date (20 February 2004 ) if the FTSE closes above the barrier level on any day between and including28 January 2004 and19 February 2004 . Someone has annotated this with the handwritten comment: “Change forced sale payout from 100% - 99% (demonstrate participants have lost some value) – premiums will reduce,” 104 The tribunal finds that the events occurred as planned. The agreement between UBS and ESIP Ltd that led to the subscription was duly accepted by both parties, and ESIP Ltd duly agreed to hedge at the level agreed with UBS London Equities. (The evidence is that a complex option was agreed, but the details do not matter.) The final terms were a premium of£2.2 million for a payout if the event had materialised that would have left employees with 99.2 per cent of their entitlement. The money given to ESIP Ltd by UBS was therefore split 97/3 as planned. 105 It is clear to the tribunal from this that there is a close interlinking between the trigger event chosen, the period of the restrictions chosen, and the method of hedging chosen. The aim was at first that there should be a complete offset between the loss to an employee if the trigger event occurred with the result communicated to senior management that there would be no reduction in value in the payout to the employee. He or she would receive the same whether or not the trigger event occurred. At some point someone thought a deliberate near miss was better than an exact hit in terms of offsetting the loss. As the trigger event did not occur, this was not tested. 106 It is also clear to the tribunal that the reality was that the Scheme as a whole was carefully designed so that employees could not suffer any significant loss if the trigger event was realised. The reality of the risk was that an employee stood about a 10 per cent chance of losing 0.8 per cent of the bonus amount to be weighed against the opportunity to remove a 41 per cent tax charge. (The tax charge is not relevant, however, to the quantification of the value to be realised under the Scheme.) 107 In that context, little turns on the evidence of Dr Ellis (or the evidence from Mr Croft) about the precise extent of the risk. The specific risk taken as the trigger event was, the tribunal finds, deliberately chosen as an objective, limited risk that a counterparty was prepared to offset entirely. The premium was priced at 3 per cent in total in the call option. Dr Ellis estimated risk on differing bases but between, at the extreme (in rounded terms), 6 per cent and 12 per cent. Mr Croft’s evidence put the risk in the same area. 108 Mr Lasok QC robustly urged the tribunal to look at events with that in mind, and to find that as a result the securities were not restricted. That requires an examination of the tests in the legislation. 109 A market value criterion is applied twice in the relevant parts of the definition of a restricted security. Section 423(1), as we have seen, lays down the general condition that the condition imposing the condition must be such that “ the market value of the employment-related securities is less than it would be but for that provision. Section 423(2) imposes three conditions, the third of which is that the employee: “... will not be entitled on the transfer, reversion or forfeiture to receive in respect of the employment-related securities an amount of at least their market value (determined as if there were no provision for transfer, reversion or forfeiture) at the time of the transfer, reversion or forfeiture.”
“( a) the employment-related securities are shares (or an interest in shares) in a company of a class, (b) the provision by virtue of which the employment-related securities are restricted securities, or a restricted interest in securities, applies to all the company’s shares of the class, (c) all the company’s shares of the class (other than the employment-related securities) are affected by an event similar to that which is a chargeable event in relation to the employment-related securities, and (d) subsection (3) or (4) is satisfied.”
“... immediately before [the chargeable] event, the majority of the company’s shares of the class are not held by or for the benefit of any of the following— (a) employees of the company, (b) persons who are related to an employee of the company, (c) associated companies of the company, (d) employees of any associated company of the company, or (e) persons who are related to an employee of any such associated company.” 117 The tribunal interprets this as referring primarily to the shares (or, more generally to any securities or interests in securities) held by the potential taxpayer, that is, the person who may, but for section 429, be regarded as the earner for the Chapter 2 charge. The focus of this and similar appeals is on the employer, and the contended liability of the employer to collect income tax from the employee under the PAYE Regulations, and collect and account for NI contributions under the modified PAYE Regulations that apply to contribution liability. But the drafting of Part 7 is framed with the individual taxpayer in mind. “The” employment-related securities are therefore those held by an individual employee, not the employees as a group. It follows that the test in subsection (1) is to be applied by comparing an individual’s entitlements to those of the others also holding shares of that class. 118 In this case, the class of shares is the NVS, the non-voting shares. Who held those immediately before the chargeable event? This is defined by sections 426 and 427. The chargeable event is the time when the shares cease to be restricted shares – that is, following the closure of the period in which the trigger could operate up to19 February 2004 . The circumstances that would activate the charge under section 426 at that time are defined in section 427(3): “... the employment-related securities ceasing to be restricted securities, or a restricted interest in securities, in circumstances in which an associated person is beneficially entitled to the employment-related securities after the event...” 119 Mr Lasok QC submitted that UBS was an associated person with ESIP Ltd at that time. “Associated person” has the same meaning for these purposes as in section 416 of ICTA (see section 421H of ITEPA). That definition is set out above. His argument was that in reality UBS controlled ESIP Ltd. ESIP Ltd did what it was told by UBS, and it did not exercise any initiative of its own. 120 Mr Prosser QC strongly resisted that argument, and relied on the evidence of his witnesses, and in particular Mr Ferrera, as the basis for his submission that ESIP Ltd was an independent company. The evidence showed that two of its three directors were not appointed by UBS or associated with it, but were appointed by the independent company, Mourant, who by its nominees held the other voting shares in ESIP Ltd. They had held real meetings and made real decisions. 121 While the language of the timeline details cited above from the internal UBS memorandum sent to Mr Ferrera after he had agreed to become a director, and the extent to which events followed the timeline, certainly justify Mr Lasok QC in raising the argument and seeking to test the evidence thoroughly, the tribunal agrees with Mr Prosser QC. It follows from its general finding that its starting point in the analysis is that events occurred as the operative documents (and not merely the timelines) suggested. 122 The tribunal does not consider that it needs to examine the corporate structure of ESIP Ltd beyond the general finding that the NVS were held by UBS and the UBS employee benefit trust as detailed in the chronology in the annex to this decision. When the shares were sold, the sale was to UBS. That was not in dispute. The sole area of dispute was whether UBS was an associated person with ESIP Ltd within the section 416 meaning. The tribunal regards this as relatively straightforward. On the basis of its main findings of fact, it sees nothing unusual or untoward about the relationship between the two companies, and it saw no evidence to suggest there was control of the kind envisaged by section 416. It does not consider therefore that it need enter into a detailed analysis of the section. It finds on the facts that the evidence does not show that UBS and ESIP Ltd are associated persons. Did the arrangements involve a sham? 123 Mr Lasok QC also contended that there was a specific element of sham in the arrangements establishing ESIP Ltd, and that as a result there was control by UBS of that company. His contention was that Article 2(15) of the new articles of association of the company, adopted on 26 01 2004, was a sham. He clarified this submission by agreeing that he was not alleging fraud specifically on the part of UBS or any other identified person, and that he was not alleging fraud in the Snook sense (that is, by reference to the decision in Snook v London and West Riding Investments Ltd,[1967] 2QB 786 ). Rather, his submission was that this particular provision should be viewed in the same way as the documents in question in Antoniades v Villiers[1990] AC 417 . 124 Mr Lasok QC relied on the acceptance by Mr Prosser QC in opening that if it were not for Article 2(15), when UBS acquired the NVS in ESIP Ltd, and before it gave them to the employees, it would have obtained control of ESIP Ltd in the section 416 sense. 125 The relevant provision (repeated from above) is: “(15) Notwithstanding the preceding provisions of these Articles and anything else expressed or implied in these Articles, at any time at which the Holder of beneficial owner of any NVS is a Group Company, that NVS shall, except to the extent that the Group Company is the Purchaser and has acquired the NVS pursuant to Article 2(14), confer the following rights and for the avoidance of doubt the provisions set out in Article 2(7) to 2(14) (other than Article 2(13) shall not apply to that NVS:” [The sub-paragraphs that follow remove rights to dividends and distributions and to receive notices of or vote at any meetings save those affecting NVS rights, entitle the holders of the shares to recover only the nominal value of the shares on winding-up and prohibit any transfer or redemption.]”
“to consider whether the transaction against the actual facts which occurred fulfils the statutory conditions. This does not, as I see it, entitle the court to treat any transaction as having some nature which in law it did not have but it does entitles the court to assess it by reference to reality and not simply to its form.” 133 The tribunal has taken the specific view that the shares in question were not in fact restricted shares by reference to the precise tests on value to be applied. It also takes the view that the issue may be addressed in a broader way. It has set out above what it takes to be the object of the relevant legislation in Chapter 2 of Part 7 of ITEPA. What are the “actual facts” of the application of those provisions here? 134 If the Scheme worked, both UBS and the individual employees derived significant benefit from it. UBS would pay the relevant bonuses into the Scheme without having to account to HMRC either for income tax or NI contributions for the employees or its own liability for NI contributions on earnings of employees. In global terms, it would need to put 100 into the Scheme and not 112, and the employees would receive 100 rather than 59. (These are the figures directly arising from the Scheme. Employees might have other tax liabilities in respect of the 100 received. A full analysis would also have to look at the extent to which any costs incurred by UBS in connection with the Scheme could be set off as deductions from profits against other tax liabilities). 135 UBS required that the 100 it put in be divided as to 97 for the purchase of the NVS in ESIP Ltd and as to 3 for the purchase of call options by ESIP Ltd. This occurred. The effect was that, at the close of the relevant period, ESIP Ltd would either have shares unaffected by the trigger event, or shares affected by the trigger event plus the benefits from the options. The Scheme was originally so constructed that the values of the beneficial interests of individuals in the shares would have been the same under either of those two outcomes. This was then altered to create a small “loss”