Common use of Aggregated Costs and Charges Clause in Contracts

Aggregated Costs and Charges. Before we provide you with our advice, we will add together all the costs and charges payable so that you are able to understand the overall costs of our services and recommendations. This is referred to as aggregated costs and charges information. Services Agreed Service Tick to confirm Details of agreed fee* Initial Service Transactional Service Other – specify details of work If Variant to standard fee, please provide details Note to adviser: In all circumstances, if varied from the standard agreement please detail. Advice relating to protection planning Pay by commission Y / N £ Total agreed fee to be paid directly by you (if applicable) £ Ongoing services Tick to confirm Details of agreed fee * Premier Premier Plus * Please note that as the actual valuation of your investment is not known at this time, the monetary fee cannot be stated within this agreement. Your Adviser will disclose this figure at the point of recommendation. Declaration • I/We acknowledge that the client agreement will come into effect once it has been signed by all parties and will remain in force until terminated. • I/We understand the services that First Service Financial Ltd offer. • This agreement is governed by and shall be interpreted in accordance with English law and both parties shall submit to the exclusive jurisdiction of the English Courts. Client 1 Client 2 Client name(s): Client signature(s): Date: Signed on behalf of First Service Financial Limited Adviser name Adviser signature: Date: Useful Information About Our Services Who authorises us to advise you? • We are authorised and regulated by the Financial Conduct Authority (FCA), 00 Xxxxxxxxx Xxxxxx, Xxxxxx, X00 0XX. xxx.xxx.xxx.xx. Our firm reference number is 479175. Our permitted business is advising on and arranging pensions, savings and investment products, non-investment insurance contracts and mortgages. • You can check our details on the Financial Services Register by visiting the FCA’s website xxx.xxx.xxx.xx/xxxxx/xxxxxxxxx-xxxxxxxx-xxxxxxxx or by contacting the FCA on 0800 111 6768. • Unless we tell you otherwise, we’ll treat you as a retail client for investment business. This means that you are given the highest level of protection available under the UK’s regulatory system. • What if things go wrong? If you are unhappy with our advice or any aspect of our services, we encourage you to contact us as soon as possible. We’ll do our best to resolve your concerns. ­ Telephone: 00000 000000 ­ Email: xxxxxx@xxxxxxxxxxxxxxxxxxxxx.xx.xx ­ Website: xxx.xxxxxxxxxxxxxxxxxxxxx.xx.xx ­ In writing: Xxxxxxx Xxxxx, Director, First Service Financial Limited, 000 Xxxxx Xxxx, Loughborough, Leicestershire, LE11 3AG • We have a complaints procedure and we can provide further details on request. If you do have a complaint, and you are not happy with our response, the Financial Ombudsman Service (FOS) may be able to help. The FOS settles disputes between financial services business and their clients. Full details are available at xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx. • If your complaint relates to advice provided by another UK based regulated financial services firm, our compliance department will assist you in identifying who you should contact. First Service Financial Limited does not automatically take responsibility for the advice provided by other UK based regulated financial services firms. Additional peace of mind • The Financial Services Compensation Scheme (FSCS) is the UK’s statutory compensation fund for customers of authorised financial services firms who are unable to pay claims against them, usually because they have gone out of business. • You may be able to claim compensation from the FSCS if we can’t meet our obligations. The amount of compensation available will depend on the type of business and the circumstances of the claim. We can provide more specific information on request, but as a guide: Investments - eligible claims for most types of investment business are covered for up to a maximum of £85,000. Insurance - in the majority of cases, eligible claims about the advising and arranging of protection products are covered for 90% of the claim, without any upper limit. • Further information is available from the FSCS at xxx.xxxx.xxx.xx. Benefits we may receive • Under the rules of our regulator, the FCA, as a firm providing independent advice, we are unable to accept or retain payments or benefits from other firms (e.g. product providers) as this would conflict with our independent status. • From time to time we may attend training events funded and /or delivered by product providers, fund managers and investment platforms. These events are designed to enhance our knowledge and enhance the quality of service we provide to our clients. As such this doesn’t affect our obligation to act in your best interests. Please ask us if you want further details. Financial crime • We are obliged to put in place controls to prevent our business from being used for money laundering and other forms of financial crime. • We’ll verify your identity before undertaking any business with you. To do this we may use electronic identity verification systems and we may conduct these checks from time to time throughout our relationship, not just at the beginning. The check may leave a ‘footprint’ on your credit file but it will not affect your credit rating. Best execution Where we send investment applications on your behalf to third parties (e.g. to put an investment into force), we’ll take all reasonable steps to ensure that we obtain the best possible result for you. This is referred to as ‘best execution’. We have a best execution policy. If you want to see a copy of it please ask us. Conflict of interests Although we’ll always try to act in your best interests there may be situations where we or one of our other clients has some form of interest in the business being transacted for you. If this happens or we become aware that our interests or those of one of our other client’s conflict with your own interests, we’ll write to you and ask for your consent before we carry out business for you. We’ll also let you know the steps we’ll take to make sure you are treated fairly. We have a conflicts of interest policy. If you want to see a copy of it, please ask us. Entry into force. These Terms come into force immediately on issue and remain in force until further notice. You or we may terminate our authority to act on your behalf at any time, without prejudice to the completion of any transactions already initiated and without penalty, subject to payment of any fees outstanding. Notice of this termination must be given in writing. Accuracy of information. You confirm that the information which you provide to us is correct at the time of completion of the Fact Find. If there is any change in your circumstances which may affect your financial position or objectives, you must inform us immediately. You should not rely upon any advice which we give you if your circumstances change or if there is any delay between the giving of that advice and your acting upon it. We will not be held responsible for the information held on your file becoming inaccurate due to your change of circumstances if you fail to inform us of those changes. To avoid possible disputes, we require that you give us instructions in writing. This may be by way of a proposal or application form but in certain circumstances we will accept oral instructions provided that they are subsequently confirmed in writing. Should you take out an ongoing service with us, we will revisit the fact find information with you to ensure that it remain accurate. The updated information may result in us advising you to buy new investments or sell or hold existing investments. In any of these circumstances we will provide you with a written suitability report to confirm our advice.

Aggregated Costs and Charges. Before we provide you with our advice, we will add together all the costs and charges payable so that you are able to understand the overall costs of our services and recommendations. This is referred to as aggregated costs and charges information. Services Agreed Service Tick to confirm Details of agreed fee* Initial Service Transactional Service Other – specify details of work If Variant to standard fee, please provide details Note to adviser: In all circumstances, if varied from the standard agreement please detail. Advice relating to protection planning Pay by commission Y / N £ Total agreed fee to be paid directly by you (if applicable) £ Ongoing services Tick to confirm Details of agreed fee * Premier Premier Plus * Please note that as the actual valuation of your investment is not known at this time, the monetary fee cannot be stated within this agreement. Your Adviser will disclose this figure at the point of recommendation. Declaration • I/We acknowledge that the client agreement will come into effect once it has been signed by all parties and will remain in force until terminated. • I/We understand the services that First Service Financial Ltd offer. • This agreement is governed by and shall be interpreted in accordance with English law and both parties shall submit to the exclusive jurisdiction of the English Courts. Client 1 Client 2 Client name(s): Client signature(s): Date: Signed on behalf of First Service Financial Limited Adviser name Adviser signature: Date: Useful Information About Our Services Who authorises us to advise you? • We are authorised and regulated by the Financial Conduct Authority (FCA), 00 Xxxxxxxxx Xxxxxx, Xxxxxx, X00 0XX. xxx.xxx.xxx.xx. Our firm reference number is 479175. Our permitted business is advising on and arranging pensions, savings and investment products, non-investment insurance contracts and mortgages. • You can check our details on the Financial Services Register by visiting the FCA’s website xxx.xxx.xxx.xx/xxxxx/xxxxxxxxx-xxxxxxxx-xxxxxxxx or by contacting the FCA on 0800 111 6768. • Unless we tell you otherwise, we’ll treat you as a retail client for investment business. This means that you are given the highest level of protection available under the UK’s regulatory system. • What if things go wrong? If you are unhappy with our advice or any aspect of our services, we encourage you to contact us as soon as possible. We’ll do our best to resolve your concerns. ­ - Telephone: 00000 000000 ­ - Email: xxxxxx@xxxxxxxxxxxxxxxxxxxxx.xx.xx ­ - Website: xxx.xxxxxxxxxxxxxxxxxxxxx.xx.xx ­ - In writing: Xxxxxxx Xxxxx, Director, First Service Financial Limited, 000 Xxxxx Xxxx, Loughborough, Leicestershire, LE11 3AG • We have a complaints procedure and we can provide further details on request. If you do have a complaint, and you are not happy with our response, the Financial Ombudsman Service (FOS) may be able to help. The FOS settles disputes between financial services business and their clients. Full details are available at xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx. • If your complaint relates to advice provided by another UK based regulated financial services firm, our compliance department will assist you in identifying who you should contact. First Service Financial Limited does not automatically take responsibility for the advice provided by other UK based regulated financial services firms. Additional peace of mind • The Financial Services Compensation Scheme (FSCS) is the UK’s statutory compensation fund for customers of authorised financial services firms who are unable to pay claims against them, usually because they have gone out of business. • You may be able to claim compensation from the FSCS if we can’t meet our obligations. The amount of compensation available will depend on the type of business and the circumstances of the claim. We can provide more specific information on request, but as a guide: Investments - eligible claims for most types of investment business are covered for up to a maximum of £85,000. Insurance - in the majority of cases, eligible claims about the advising and arranging of protection products are covered for 90% of the claim, without any upper limit. • Further information is available from the FSCS at xxx.xxxx.xxx.xx. Benefits we may receive • Under the rules of our regulator, the FCA, as a firm providing independent advice, we are unable to accept or retain payments or benefits from other firms (e.g. product providers) as this would conflict with our independent status. • From time to time we may attend training events funded and /or delivered by product providers, fund managers and investment platforms. These events are designed to enhance our knowledge and enhance the quality of service we provide to our clients. As such this doesn’t affect our obligation to act in your best interests. Please ask us if you want further details. Financial crime • We are obliged to put in place controls to prevent our business from being used for money laundering and other forms of financial crime. • We’ll verify your identity before undertaking any business with you. To do this we may use electronic identity verification systems and we may conduct these checks from time to time throughout our relationship, not just at the beginning. The check may leave a ‘footprint’ on your credit file but it will not affect your credit rating. Best execution Where we send investment applications on your behalf to third parties (e.g. to put an investment into force), we’ll take all reasonable steps to ensure that we obtain the best possible result for you. This is referred to as ‘best execution’. We have a best execution policy. If you want to see a copy of it please ask us. Conflict of interests Although we’ll always try to act in your best interests there may be situations where we or one of our other clients has some form of interest in the business being transacted for you. If this happens or we become aware that our interests or those of one of our other client’s conflict with your own interests, we’ll write to you and ask for your consent before we carry out business for you. We’ll also let you know the steps we’ll take to make sure you are treated fairly. We have a conflicts of interest policy. If you want to see a copy of it, please ask us. Entry into force. These Terms come into force immediately on issue and remain in force until further notice. You or we may terminate our authority to act on your behalf at any time, without prejudice to the completion of any transactions already initiated and without penalty, subject to payment of any fees outstanding. Notice of this termination must be given in writing. Accuracy of information. You confirm that the information which you provide to us is correct at the time of completion of the Fact Find. If there is any change in your circumstances which may affect your financial position or objectives, you must inform us immediately. You should not rely upon any advice which we give you if your circumstances change or if there is any delay between the giving of that advice and your acting upon it. We will not be held responsible for the information held on your file becoming inaccurate due to your change of circumstances if you fail to inform us of those changes. To avoid possible disputes, we require that you give us instructions in writing. This may be by way of a proposal or application form but in certain circumstances we will accept oral instructions provided that they are subsequently confirmed in writing. Should you take out an ongoing service with us, we will revisit the fact find information with you to ensure that it remain accurate. The updated information may result in us advising you to buy new investments or sell or hold existing investments. In any of these circumstances we will provide you with a written suitability report to confirm our advice.

Aggregated Costs and Charges. Before we provide you with our advice, we will add together all the costs and charges payable so that you are able to understand the overall costs of our services and recommendations. This is referred to as aggregated costs and charges information. Services Agreed Service Tick to confirm Details of agreed fee* Initial Service Transactional Service Other – specify details of work If Variant to standard fee, please provide details Note to adviser: In all circumstances, if varied from the standard agreement please detail. Advice relating to protection planning Pay by commission Y / N £ Total agreed fee to be paid directly by you (if applicable) £ Ongoing services Tick to confirm Details of agreed fee * Any payments subject to VAT will be shown below Premier Premier Plus * Please note that as the actual valuation of your investment is not known at this time, the monetary fee cannot be stated within this agreement. Your Adviser will disclose this figure at the point of recommendation. Declaration • I/We acknowledge that the client agreement will come into effect once it has been signed by all parties and will remain in force until terminated. • I/We understand the services that First Service Financial Ltd offer. • This agreement is governed by and shall be interpreted in accordance with English law and both parties shall submit to the exclusive jurisdiction of the English Courts. Client 1 Client 2 Client name(s): Client signature(s): Date: Signed on behalf of First Service Financial Limited Adviser name Adviser signature: Date: Useful Information About Our Services Who authorises us to advise you? • We are authorised and regulated by the Financial Conduct Authority (FCA), 00 Xxxxxxxxx Xxxxxx, Xxxxxx, X00 0XX. xxx.xxx.xxx.xx. Our firm reference number is 479175. Our permitted business is advising on and arranging pensions, savings and investment products, non-non- investment insurance contracts and mortgages. • You can check our details on the Financial Services Register by visiting the FCA’s website xxx.xxx.xxx.xx/xxxxx/xxxxxxxxx-xxxxxxxx-xxxxxxxx xxx.xxx.xxx.xx/xxxxx/xxxxxxx-xxxxxxxxx/xxxxxxxx or by contacting the FCA on 0800 111 6768. • Unless we tell you otherwise, we’ll treat you as a retail client for investment business. This means that you are given the highest level of protection available under the UK’s regulatory system. • What if things go wrong? • If you are unhappy with our advice or any aspect of our services, we encourage you to contact us as soon as possible. We’ll do our best to resolve your concerns. ­ • Telephone: 00000 000000 ­ • Email: xxxxxx@xxxxxxxxxxxxxxxxxxxxx.xx.xx ­ Website: xxx.xxxxxxxxxxxxxxxxxxxxx.xx.xx ­ • In writing: Xxxxxxx Xxxxxxxxx Xxxxx, Director, First Service Financial Limited, 000 Xxxxx XxxxXxxxxxxxx Xxxxx, Loughborough00 Xxxxxxxxx Xxxxx, LeicestershireXxxxx, LE11 3AG Xxxxxxxxxxxxxx, XX00 0XX • We have a complaints procedure and we can provide further details on request. If you do have a complaint, and you are not happy with our response, the Financial Ombudsman Service (FOS) may be able to help. The FOS settles disputes between financial services business and their clients. Full details are available at xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx. • If your complaint relates to advice provided by another UK based regulated financial products or services firmyou have bought from us online, our compliance department will assist you in identifying who you should contact. First Service Financial Limited does not automatically take responsibility for the advice provided or by other UK based regulated financial services firmselectronic means such as by email, you may refer your complaint to the online dispute resolution (ODR) platform at xxxx://xx.xxxxxx.xx/odr. Additional peace of mind • The Financial Services Compensation Scheme (FSCS) is the UK’s statutory compensation fund for customers of authorised financial services firms who are unable to pay claims against them, usually because they have gone out of business. • You may be able to claim compensation from the FSCS if we can’t meet our obligations. The amount of compensation available will depend on the type of business and the circumstances of the claim. We can provide more specific information on request, but as a guide: Investments - eligible claims for most types of investment business are covered for up to a maximum of £85,000. Insurance - in the majority of cases, eligible claims about the advising and arranging of protection products are covered for 90% of the claim, without any upper limit. • Further information is available from the FSCS at xxx.xxxx.xxx.xx. Benefits we may receive • Under the rules of our regulator, the FCA, as a firm providing independent advice, we are unable to accept or retain payments or benefits from other firms (e.g. product providers) as this would conflict with our independent status. • From time to time we may attend training events funded and /or delivered by product providers, fund managers and investment platforms. These events are designed to enhance our knowledge and enhance the quality of service we provide to our clients. As such this doesn’t affect our obligation to act in your best interests. Please ask us if you want further details. Financial crime • We are obliged to put in place controls to prevent our business from being used for money laundering and other forms of financial crime. • We’ll verify your identity before undertaking any business with you. To do this we may use electronic identity verification systems and we may conduct these checks from time to time throughout our relationship, not just at the beginning. The check may leave a ‘footprint’ on your credit file but it will not affect your credit rating. Best execution Where we send investment applications on your behalf to third parties (e.g. to put an investment into force), we’ll take all reasonable steps to ensure that we obtain the best possible result for you. This is referred to as ‘best execution’. We have a best execution policy. If you want to see a copy of it please ask us. Conflict of interests Although we’ll always try to act in your best interests there may be situations where we or one of our other clients has some form of interest in the business being transacted for you. If this happens or we become aware that our interests or those of one of our other client’s conflict with your own interests, we’ll write to you and ask for your consent before we carry out business for you. We’ll also let you know the steps we’ll take to make sure you are treated fairly. We have a conflicts of interest policy. If you want to see a copy of it, it please ask us. Entry into force. These Terms come into force immediately on issue and remain in force until further notice. You or we may terminate our authority to act on your behalf at any time, without prejudice to the completion of any transactions already initiated and without penalty, subject to payment of any fees outstanding. Notice of this termination must be given in writing. Accuracy of information. You confirm that the information which you provide to us is correct at the time of completion of the Fact Find. If there is any change in your circumstances which may affect your financial position or objectives, you must inform us immediately. You should not rely upon any advice which we give you if your circumstances change or if there is any delay between the giving of that advice and your acting upon it. We will not be held responsible for the information held on your file becoming inaccurate due to your change of circumstances if you fail to inform us of those changes. To avoid possible disputes, we require that you give us instructions in writing. This may be by way of a proposal or application form but in certain circumstances we will accept oral instructions provided that they are subsequently confirmed in writing. Should you take out an ongoing service with us, we will revisit the fact find information with you to ensure that it remain accurate. The updated information may result in us advising you to buy new investments or sell or hold existing investments. In any of these circumstances we will provide you with a written suitability report to confirm our advice.