Common use of Advice and Instructions Clause in Contracts

Advice and Instructions. Any advice given to you by us shall be in writing. We prefer our clients to give us instructions in writing, to aid clarification and avoid future misunderstandings. We will, however, accept oral instructions provided they are confirmed in writing. We may, at our discretion, refuse to accept instructions although such discretion shall not be exercised unreasonably. We will record all transactions on our files which, along with copies of relevant documentation, will be retained by us for a period of not less than six years. You have a right to inspect copies of contract notes, vouchers and entries in our books or computerised records relating to your transactions. We reserve the right to withhold copies of these records if information relating to other parties would be disclosed. With effect from 1/1/2013 and in accordance with the rules of our regulator, The Financial Conduct Authority, for new investment business we are prohibited from accepting any payment of commission or other non-monetary benefits from a product provider. All costs and charges relating to advice, product arrangement and the costs of any ongoing services we provide will be fully disclosed and agreed with you before we undertake any work. Annual fund based fees will be calculated on the plan’s anniversary or the first working day following should the anniversary fall on the weekend. We will act honestly, fairly and professionally and will conduct business in our Clients’ best interests. Occasionally situations may arise where we or one of our other clients have some form of interest in business transacted for you. If this happens or we become aware that our interests or those of one of our other clients conflict with your interest, we will write to you and obtain your consent before we carry out your instructions, and detail the steps we will take to ensure fair treatment. We will inform you of your statutory right to cancel. The Distance Marketing Directive normally grants you 30 days in which you may cancel a life or pension contract, or 14 days for an investment. However, there will be occasions where no statutory rights are granted, this will be explained before any contract is concluded.

Advice and Instructions. Any advice given to you by us shall be in writing. We prefer our clients to give us instructions in writing, to aid clarification and avoid future misunderstandings. We will, however, accept oral instructions provided they are confirmed in writing. We may, at our discretion, refuse to accept instructions although such discretion shall not be exercised unreasonably. We will record all transactions on our files which, along with copies of relevant documentation, will be retained by us for a period of not less than six years. You have a right to inspect copies of contract notes, vouchers and entries in our books or computerised records relating to your transactions. We reserve the right to withhold copies of these records if information relating to other parties would be disclosed. With effect from 1/1/2013 and in accordance with the rules of our regulator, The Financial Conduct Authority, for new investment business we are prohibited from accepting any payment of commission or other non-monetary benefits from a product provider. All costs and charges relating to advice, product arrangement and the costs of any ongoing services we provide will be fully disclosed and agreed with you before we undertake any work. Annual fund based fees will be calculated on the plan’s anniversary or the first working day following should the anniversary fall on the weekend. We will act honestly, fairly and professionally and will conduct professionally, known as conducting business in our Clients‘Clients best interest’ best interestsregulations. Occasionally situations may arise where we or one of our other clients have some form of interest in business transacted for you. If this happens or we become aware that our interests or those of one of our other clients conflict with your interest, we will write to you and obtain your consent before we carry out your instructions, and detail the steps we will take to ensure fair treatment. In accordance with the rules of our regulator, The Financial Conduct Authority, we are prohibited from accepting any payment of commission or other non-monetary benefits from a product provider, for investment business. We will inform you of your statutory right to cancel. The Distance Marketing Directive normally grants you 30 days in which you may cancel a life or pension contract, or 14 days for an investment. However, However there will be occasions where no statutory rights are granted, this will be explained before any contract is concluded. The Proceeds of Crime Xxx 0000 and the Money Laundering Regulations 2007 In common with all financial businesses, we are required by the Proceeds of Crime Xxx 0000 and the Money Laundering Regulations 2007 to: Maintain identification procedures for clients and beneficial owners of clients Maintain records of identification evidence and the work undertaken for the client; and Report, in accordance with the relevant legislation and regulations. Where we are required to verify your identity in accordance with the JMLSG rules & guidance, no investment will be made until all such documents & verification has been obtained. We may use the services of an electronic identity verification service (including credit reference agencies & fraud prevention agencies) to assist us in satisfying the Anti-money laundering regulations. Such searches will not affect your credit rating. We may still need to see original documents. This Client Agreement is governed and shall be construed in accordance with English Law and the parties shall submit to the exclusive jurisdiction of the English Courts. Any person who is not a party to this Agreement has no right under the Contracts (Rights of Third Parties) Xxx 0000 to enforce any term of this Agreement but this does not affect any right or remedy of a third party which exists or is available apart from that Act. PW Financial Management Limited cannot be held responsible for subsequent changes in legislation or practise, which may affect this advice. We have made arrangements for a Locum to be available if there is no Regulated Individual available to act.

Advice and Instructions. Any advice given to you by us shall be in writing. We prefer our clients to give us instructions in writing, to aid clarification and avoid future misunderstandings. We will, however, accept oral instructions provided they are confirmed in writing. We may, at our discretion, refuse to accept instructions although such discretion shall not be exercised unreasonably. We will record all transactions on our files which, along with copies of relevant documentation, will be retained by us for a period of not less than six years. You have a right to inspect copies of contract notes, vouchers and entries in our books or computerised records relating to your transactions. We reserve the right to withhold copies of these records if information relating to other parties would be disclosed. With effect from 1/1/2013 and in accordance with the rules of our regulator, The Financial Conduct Authority, for new investment business we are prohibited from accepting any payment of commission or other non-monetary benefits from a product provider. All costs and charges relating to advice, product arrangement and the costs of any ongoing services we provide will be fully disclosed and agreed with you before we undertake any work. Annual fund based fees will be calculated on the plan’s anniversary or the first working day following should the anniversary fall on the weekend. We will act honestly, fairly and professionally and will conduct professionally, known as conducting business in our Clients‘Clients best interest’ best interestsregulations. Occasionally situations may arise where we or one of our other clients have some form of interest in business transacted for you. If this happens or we become aware that our interests or those of one of our other clients conflict with your interest, we will write to you and obtain your consent before we carry out your instructions, and detail the steps we will take to ensure fair treatment. In accordance with the rules of our regulator, The Financial Conduct Authority, we are prohibited from accepting any payment of commission or other non-monetary benefits from a product provider, for investment business. We will inform you of your statutory right to cancel. The Distance Marketing Directive normally grants you 30 days in which you may cancel a life or pension contract, or 14 days for an investment. However, However there will be occasions where no statutory rights are granted, this will be explained before any contract is concluded.

Advice and Instructions. Any advice given to you by us shall be in writing. We prefer our clients to give us instructions in writing, to aid clarification and avoid future misunderstandings. We will, however, accept oral instructions provided they are confirmed in writing. We may, at our discretion, refuse to accept instructions although such discretion shall not be exercised unreasonably. We will record all transactions on our files which, along with copies of relevant documentation, will be retained by us for a period of not less than six years. You have a right to inspect copies of contract notes, vouchers and entries in our books or computerised records relating to your transactions. We reserve the right to withhold copies of these records if information relating to other parties would be disclosed. With effect from 1/1/2013 and in accordance with the rules of our regulator, The Financial Conduct Authority, for new investment business we are prohibited from accepting any payment of commission or other non-monetary benefits from a product provider. All costs and charges relating to advice, product arrangement and the costs of any ongoing services we provide will be fully disclosed and agreed with you before we undertake any work. Annual fund based fees will be calculated on the plan’s anniversary or the first working day following should the anniversary fall on the weekend. We will act honestly, fairly and professionally and will conduct professionally, known as conducting business in our Clients‘Client’s best interest’ best interestsregulations. Occasionally situations may arise where we we, or one of our other clients clients, have some form of interest in business transacted for you. If this happens or we become aware that our interests or those of one of our other clients conflict with your interest, we will write to you and obtain your consent before we carry out your instructions, and detail the steps we will take to ensure fair treatment. We will inform you In accordance with the rules of your statutory right our regulator, The Financial Services Authority, we are prohibited from accepting any payment (commission or other non-monetary benefits) which is likely to cancelconflict with the duty of the firm to its clients. Finesco Financial Services Limited has a minority shareholding in Capital Reward Ltd. Capital Reward Ltd is a subsidiary of our compliance support company and generates its income from the placement of business with certain product providers. The Distance Marketing Directive normally grants you 30 days business placed is intended to add value to the shares in which you may cancel that company and the long term aim is for the shares to be sold, thereby providing a life deferred cash benefit to the shareholders. The existence of the shareholding and any potential benefit will in no way influence our recommendation in relation to the most suitable product or pension contract, or 14 days for an investmentprovider. However, there On request we will be occasions where no statutory rights are granted, this will pleased to provide you with a list of the providers from whom such benefits may be explained before any contract is concludedearned. We can also confirm that the provision of the shares and their potential benefits do not affect your product terms.

Advice and Instructions. Any advice given to you by us shall be in writing. We prefer require our clients to give us instructions in writing, to aid clarification and avoid future misunderstandings. We will, however, will not accept oral instructions provided they are confirmed in writinginstructions. We may, at our discretion, refuse to accept instructions although such discretion shall not be exercised unreasonably. We will record all transactions on our files which, along with copies of relevant documentation, will be retained by us for a period of not less than six years. You have a right to inspect copies of contract notes, vouchers and entries in our books or computerised records relating to your transactions. We reserve the right to withhold copies of these records if information relating to other parties would be disclosed. With effect from 1/1/2013 and in accordance with the rules of our regulatorIn addition to any initial adviser fee paid, The Financial Conduct Authority, for new investment business we are prohibited from accepting any payment of commission or other nonXxxxxxxxx Xxxxx Limited may also receive a nominal on-monetary benefits going fee from a product provider. All costs This fee is generally 0.5% to 0.75% of the fund value and charges relating is used to adviceassist in covering the back-office administration costs, product arrangement such as providing valuations and the costs of any ongoing services we provide will be fully disclosed and agreed with you before we undertake any work. Annual fund based fees will be calculated changing addresses as well as your consultant providing on-going advice on the plan’s anniversary or investment. As an example, a NISA valued at £15,000 would pay £75 over a 12-month period. If at some future time you feel that you no longer require our services you have the first working day following should right to cancel the anniversary fall on the weekendon-going Adviser Fee. We will act honestly, fairly and professionally and will conduct business in our Clients’ best interestsprofessionally. Occasionally situations may arise where we or one of our other clients have some form of interest in business transacted for you. If this happens occurs or we become aware that our interests or those of one of our other clients conflict with your interestinterests, we will write to you and obtain your consent before we carry out your instructions, and detail the steps we will take to ensure fair treatment. In accordance with the rules of our regulator, The Financial Conduct Authority, we are prohibited from accepting any payment of commission or other non-monetary benefits from a product provider, for investment business. We will inform you of your statutory right to cancel. The Distance Marketing Directive normally grants you 30 days in which you may cancel a life or pension contract, or 14 days for an investment. However, However there will be occasions where no statutory rights are granted, granted and this will be explained before any contract is concluded.

Advice and Instructions. Any advice given to you by us shall be in writing. We prefer our clients to give us instructions in writing, to aid clarification and avoid future misunderstandings. We will, however, accept oral instructions provided they are confirmed in writing. We may, at our discretion, refuse to accept instructions although such discretion shall not be exercised unreasonably. We will record all transactions on our files which, along with copies of relevant documentation, will be retained by us for a period of not less than six years. You have a right to inspect copies of contract notes, vouchers and entries in our books or computerised records relating to your transactions. We reserve the right to withhold copies of these records if information relating to other parties would be disclosed. With effect from 1/1/2013 and in accordance with the rules of our regulator, The Financial Conduct Authority, for new investment business we are prohibited from accepting any payment of commission or other non-monetary benefits from a product provider. All costs and charges relating to advice, product arrangement and the costs of any ongoing services we provide will be fully disclosed and agreed with you before we undertake any work. Annual fund based fees will be calculated on the plan’s anniversary or the first working day following should the anniversary fall on the weekend. For direct fees we expect payment within 30 days of our invoice issue date. If you have engaged us for advice and choose to withdraw from the process for any reason then a pro-rata fee will be payable on a time cost basis for the work we have conducted to that point. We will act honestly, fairly and professionally and will conduct business in our Clients’ best interests. Occasionally situations may arise where we or one of our other clients have some form of interest in business transacted for you. If this happens or we become aware that our interests or those of one of our other clients conflict with your interest, we will write to you and obtain your consent before we carry out your instructions, and detail the steps we will take to ensure fair treatment. We will inform you of your statutory right to cancel. The Distance Marketing Directive normally grants you 30 days in which you may cancel a life or pension contract, or 14 days for an investment. However, there will be occasions where no statutory rights are granted, this will be explained before any contract is concluded.

Advice and Instructions. Any advice given to you by us shall be in writingwriting or electronic such as email, PDF or electronic recording. We prefer our clients to give us instructions in writing, to aid clarification and avoid future misunderstandings. We will, however, will however accept oral instructions provided they are confirmed in writingwriting and / or are recorded electronically. We may, at our discretion, refuse to accept instructions although such discretion shall not be exercised unreasonably. We will record all transactions on our files which, along with copies of relevant documentation, will be retained by us for a period of not less than six years. You have a right to inspect copies of contract notes, vouchers and certain entries in our books or computerised records relating to your transactions. We reserve the right to withhold copies of these records if information relating to other parties would be disclosed. With effect from 1/1/2013 and in accordance with the rules of our regulator, The Financial Conduct Authority, for new investment business we are prohibited from accepting any payment of commission or other non-monetary benefits from a product provider. All costs and charges relating to advice, product arrangement and the costs of any ongoing services we provide will be fully disclosed and agreed with you before we undertake any work. Annual fund based fees will be calculated on the plan’s anniversary or the first working day following should the anniversary fall on the weekend. We will act honestly, fairly and professionally and will conduct business in our Clients’ best interests. Occasionally situations INSISTENT CLIENT: There may arise where we or one of our other clients have some form of interest in business transacted for you. If this happens or we become aware that our interests or those of one of our other clients conflict with your interest, we will write to you and obtain your consent before we carry out your instructions, and detail the steps we will take to ensure fair treatment. We will inform you of your statutory right to cancel. The Distance Marketing Directive normally grants you 30 days in which you may cancel a life or pension contract, or 14 days for an investment. However, there will be occasions where no statutory rights the Client wishes to take a different course of action from the one Genus Financial & Estate Planning recommends and would like Genus Financial & Estate Planning to facilitate the transaction against the Genus Financial & Estate Planning advice. When a client does this, they are grantedcommonly referred to as an Insistent Client. In such circumstances you as Client acknowledge that you understand that you are therefore proceeding against our original advice and that any resulting transaction will therefore be undertaken on an “Insistent Client” basis. Genus Financial & Estate Planning will therefore be acting, executing and facilitating any such transaction on your behalf as an “Insistent Client” basis. You understand that some of the actions taken may not therefore be in your “best interests”. Genus Financial & Estate Planning reserve the right to refuse to act for any Client, even on an Insistent Client basis. SECURITY OF THIRD PARTY PRODUCT PROVIDERS: Our recommendations may involve the use of one or more third party providers such as document storage specialists, software providers, document drafting companies, Trust Corporations and the like. Genus Financial & Estate Planning cannot be held liable for any subsequent solvency issues of any such business, changes in their services or fees payable, nor the complications this will be explained before may cause. ACCEPTANCE OR REJECTION OF RECOMMENDATIONS: Client may accept or reject completely or in part any contract is concludedrecommendation from Genus Financial & Estate Planning and Client has sole authority with regard to the implementation, acceptance or rejection of any counselling or advice from Genus Financial & Estate Planning.