Common use of Cancellation Rights Clause in Contracts

Cancellation Rights. The cancellation rights for each individual policy you have been advised on will be explained to you in your suitability report which we will give you before or at the time you confirm or carry out the transaction. Where cancellation is requested within the cancellation period we will instruct the provider to refund the proceeds net/gross of the adviser charging agreed. MATERIAL INTERESTS We are not connected to any product provider, but occasions can arise where we, or one of our other customers, will have some form of interest in business, which we are transacting for you. If this happens, or we become aware that our interests or those of one of our other customers conflict with your interests, we will inform you in writing and obtain your consent before we carry out your instructions. There may be occasions when we will be unable to act for one of the parties. As a consequence of such potential conflicts arising, we have put arrangements in place to ensure our clients are treated fairly. We have also implemented a conflicts of interest policy to help us manage such risks, which you may access on request. Risk Warnings Relevant risk warnings will be advised to you throughout the financial planning process and in your suitability report. For mortgages please be aware that your home may be repossessed if you do not keep up repayments on your mortgage. For insurance products, your insurance policy may lapse if you do not keep up to date with regular premium payments and you may not be covered if a claim is made. Termination of Authority You or we may terminate our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees which may be outstanding. Anti Money Laundering We are required to verify your identity in accordance with the Proceeds of Crime Xxx 0000 and the Money Laundering Regulations 2007. We reserve the right to approach third parties and to delay any applications until adequate verification of identity has been obtained. Governing Law & Jurisdiction LIABILITY You agree to indemnify us in relation to any acts; proceedings or claims which we incur directly or indirectly as a result of our acting under this agreement save that this indemnity shall not apply to the extent it arises out of our negligence, fraud, breach of this agreement or our regulatory responsibilities. We reserve the right to amend this agreement at our discretion where changes in regulation or law necessitate by giving you notice in writing. You will also be given the option to accept our new agreements or terminate our authority. This agreement shall be governed by and construed according to English/Scottish law (delete as appropriate). Any disputes shall be determined in the jurisdiction of the English/Scottish Courts (delete as appropriate). Where a formal written notice is required by this agreement then it shall be in writing (not email unless agreed in advance by the parties) and sent by first class post and deemed effective two business days after posting. Client’s Consent This is our standard client agreement upon which we intend to rely. For your own benefit and protection you should read these terms carefully before signing them. If you do not understand any point please ask for further information. I/We understand and consent to the terms of this client agreement and I/We hereby authorise the transfer of information, as described above, on a confidential basis when warranted between such third parties. I/We authorise you to liaise with My/Our other professional advisers in exchanging relevant personal information pertinent to my/our financial planning requirements and to rely on any such information provided. I/We agree that this Client Agreement will come into effect from the date below. Please tick this box if you do not wish for us or any company associated with us to contact you for marketing purposes by e-mail, telephone, post or SMS. Client Name(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Client signature(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Date .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Signed for and on behalf of the firm: Adviser .. .. .. .. .. .. .. .. .. .. .. .. Signature .. .. .. .. .. .. .. .. .. .. .. .. Date of issue .. .. .. .. .. .. .. .. .. .. .. ..

Cancellation Rights.  The cancellation rights for each individual policy you have been advised on will be explained to you in your suitability report which we will give you before or at the time you confirm or carry out the transaction. Where the provider is already in receipt of the investment proceeds and cancellation is requested within the cancellation period we will instruct the provider to refund the proceeds net/gross of the adviser charging agreed. MATERIAL INTERESTS We are not connected to any product provider, but occasions Material Interests & Conflicts of Interest  Occasions can arise where we, or one of our other customers, will have some form of interest in business, which we are transacting for you. If this happens, or we become aware that our interests or those of one of our other customers conflict with your interests, we will inform you in writing and obtain your consent before we carry out your instructions. There may be occasions when we will be unable to act for one of the parties. As a consequence of such potential conflicts arising, we have put arrangements in place to ensure all our clients are treated fairly. We have also implemented a conflicts of interest policy to help us to all appropriate steps to manage such risks. While we take all appropriate steps to mitigate such risks, which if we are unable to mitigate the risks from a potential conflict, before we undertake any actions on your behalf we will inform you in writing with;  A specific description of the conflicts that has arisen.  A clear documented statement of the steps the firm has taken to prevent the conflict.  An explanation of the remaining risks that are posed to your interest.  We may access give or receive minor non-monetary benefits to/from some of the firms with whom we work in order to offer you a better service. Such benefits may include information relating to financial instruments or investment services; participation in conferences, seminars and training events; and minor hospitality (such as food and drink during a business meeting, conference, seminar or training event). Any costs we incur in provision of such benefits will not affect the charges you pay for our service. Further information regarding these arrangements is available on request. Risk Warnings  Relevant risk warnings will be advised to you throughout the financial planning process and in your suitability report. For mortgages please The value of investments may go down as well as up, and you may not get back the amount invested. Levels of income from investments may fluctuate. We cannot be aware that your home held liable for any depreciation in the value of investments arranged for you. Non-readily realisable investments will generally have a restricted market, and therefore it may be repossessed if you do not keep up repayments on your mortgagedifficult to deal in that investment or to obtain reliable information about its value. For insurance products, your insurance policy may lapse if you do not keep up to date with regular premium payments and you may not be covered if a claim is made. Termination of Authority  You or we may terminate our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees which may be outstanding. Anti ~ Anti-Money Laundering compliance  We are required to verify your identity in accordance with the Proceeds of Crime Xxx 0000 and the Money Laundering Regulations 2007. We reserve the right to approach third parties and to delay any applications until adequate verification of identity has been obtained. Governing Law & Jurisdiction LIABILITY  We may periodically verify your details electronically and / or request up to date documentary evidence.  We may from time to time ask for an explanation of the source of wealth and request supporting documentation before we can act or continue to act for you.  You agree to indemnify us in relation to any acts; proceedings or claims which we incur directly or indirectly as a result of our acting under this agreement save that this indemnity shall not apply to the extent it arises out of our negligence, fraud, breach of this agreement or our regulatory responsibilities. We reserve the right to amend this agreement at our discretion where changes in regulation or law necessitate by giving you notice in writing. You will also be given the option to accept our new agreements or terminate our authority. This agreement shall be governed by and construed according to English/Scottish law (delete as appropriate). Any disputes shall be determined in the jurisdiction of the English/Scottish Courts (delete as appropriate). Where a formal written notice is required by this agreement then it shall be in writing (not email unless agreed in advance by the parties) and sent by first class post and deemed effective two business days after posting. Client’s Consent This is our standard client agreement upon which we intend to rely. For your own benefit and protection you should read these terms carefully before signing them. If you do not understand any point please ask for further information. I/We understand and consent to the terms of this client agreement and I/We hereby authorise the transfer of information, as described above, on a confidential basis when warranted between such third parties. I/We authorise you to liaise with My/Our other professional advisers in exchanging relevant personal information pertinent to my/our financial planning requirements and to rely on any such information provided. I/We agree that this Client Agreement will come into effect from the date below. Please tick this box if you do not wish for us or any company associated with us to contact you for marketing purposes by e-mail, telephone, post or SMS. Client Name(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Client signature(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Date .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Signed for and on behalf of the firm: Adviser .. .. .. .. .. .. .. .. .. .. .. .. Signature .. .. .. .. .. .. .. .. .. .. .. .. Date of issue .. .. .. .. .. .. .. .. .. .. .. ..recording telephone calls.

Cancellation Rights. The cancellation rights for each individual policy you have been advised on will be explained to you in your suitability report which we will give you by our supportive concerned web-based administrator before or at the time you confirm or carry out the transaction. Where cancellation is requested within the cancellation period we will instruct the provider to refund the proceeds net/gross of the adviser charging agreed. MATERIAL INTERESTS We are not connected to any product provider, but occasions can arise where we, or one of our other customers, will have some form of interest in business, which we are transacting for you. If this happens, or we become aware that our interests or those of one of our other customers customer's conflict with your interests, we will inform you in writing and obtain your consent before we carry out your instructions. There may be occasions when we will be unable to act for one of the parties. As a consequence of such potential conflicts arising, we have put arrangements in place to ensure our clients are treated fairly. We have also implemented a conflicts of interest policy to help us manage such risks, which you may access on request. Risk Warnings Where an advisory firm works in a partnership with a discretionary manager, appropriate agreements must be in place. Should a recommendation be made to appoint TST to act as a discretionary manager for any proposed investment a formal discretionary management agreement will be required that sets out how your investments will be managed. TST will be responsible for the suitability of the advice. We recognize the potential conflict of interest operating within a group structure, and maintain robust systems and controls to mitigate the risks. Where a platform/custodian is used their particular terms and conditions will be provided or available upon request. RISK WARNINGS Relevant risk warnings will be advised to you throughout the financial planning process and in maybe, your suitability report. The value of investments may go down as well as up, and you may not get back the amount invested. Levels of income from investments may fluctuate. We cannot be held liable for any depreciation in the value of investments arranged for you. Non- readily realizable investments will generally have a restricted market, and therefore it may be difficult to deal in that investment or to obtain reliable information about its value. For mortgages please be aware that your home may be repossessed if you do not keep up repayments on your mortgage. For insurance products, your insurance policy may lapse if you do not keep up to date with regular premium payments and you may not be covered if a claim is made. Termination of Authority You Again, we require our clients to give us instructions in writing, or we may terminate confirm our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees which may be outstanding. Anti Money Laundering We are required to verify your identity in accordance with the Proceeds of Crime Xxx 0000 and the Money Laundering Regulations 2007. We reserve the right to approach third parties and to delay any applications until adequate verification of identity has been obtained. Governing Law & Jurisdiction LIABILITY You agree to indemnify us in relation to any acts; proceedings or claims which we incur directly or indirectly as a result of our acting under this agreement save that this indemnity shall not apply to the extent it arises out of our negligence, fraud, breach of this agreement or our regulatory responsibilities. We reserve the right to amend this agreement at our discretion where changes in regulation or law necessitate by giving you notice in writing. You will also be given the option to accept our new agreements or terminate our authority. This agreement shall be governed by and construed according to English/Scottish law (delete as appropriate). Any disputes shall be determined in the jurisdiction of the English/Scottish Courts (delete as appropriate). Where a formal written notice is required by this agreement then it shall be understanding in writing (not email unless agreed in advance by the parties) and sent by first class post and deemed effective two business days after posting. Client’s Consent This is our standard client agreement upon which we intend to rely. For your own benefit and protection you should read these terms carefully before signing them. If you do not understand any point please ask for further information. I/We understand and consent to the terms of this client agreement and I/We hereby authorise the transfer of information, as described above, on a confidential basis when warranted between such third parties. I/We authorise you to liaise with My/Our other professional advisers in exchanging relevant personal information pertinent to my/our financial planning requirements and to rely on any such information provided. I/We agree that this Client Agreement will come into effect from the date below. Please tick this box if you do not wish for us or any company associated with us to contact you for marketing purposes by e-mail, telephone, post or SMS. Client Name(sby email) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Client signature(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Date .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Signed for and on behalf of the firm: Adviser .. .. .. .. .. .. .. .. .. .. .. .. Signature .. .. .. .. .. .. .. .. .. .. .. .. Date of issue .. .. .. .. .. .. .. .. .. .. .. ..in order to avoid possible disputes.

Cancellation Rights. The cancellation rights Except for each individual policy actions instructed by us on a discretionary basis where you have been advised on waived the cancellation right, in most other cases you can exercise a right to cancel by withdrawing from a contract. In general terms you will normally have a thirty-day cancellation period for a life, pure protection, payment protection or pension product and a fourteen-day cancellation period for all other products. Instructions for exercising the right to cancel, if applicable, will be explained contained in the relevant product disclosure which will be issued to you in your suitability report which we will give you before or at the time you confirm or carry out the transaction. Where cancellation is requested within the cancellation period we will instruct the provider to refund the proceeds net/gross of the adviser charging agreed. MATERIAL INTERESTS We are not connected to any product provider, but occasions can arise where we, or one of our other customers, will have some form of interest in business, which we are transacting for you. If this happensyou cancel a single premium product, or we become aware that our interests or those of one of our other customers conflict with your interests, we will inform you in writing and obtain your consent before we carry out your instructions. There may be occasions when we will be unable required to act pay for one of any loss you might reasonably incur in cancelling it which is caused by market movements. This means that, in certain circumstances, you might not get back the partiesfull amount you invested if you cancel the contract. As If you wish to cancel a consequence of such potential conflicts arisingcontract, we have put arrangements in place to ensure our clients are treated fairlyplease contact us immediately. We have also implemented a conflicts of interest policy to help us manage such risks, which you may access on request. Risk Warnings Relevant risk warnings will be advised to you throughout the financial planning process Amendments and in your suitability report. For mortgages please be aware that your home Termination These terms may be repossessed if amended by us giving you do not keep up repayments on your mortgagewritten notice at least ten business days before such amendment is due to take effect. For insurance productsThis Client Agreement may be terminated without prejudice to the completion of transactions already initiated, your insurance policy may lapse if by written notice from you do not keep up to date with regular premium payments and you may not be covered if a claim is madeor the firm. Termination of Authority You or we may terminate our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given in writing and Such notice will take effect one month from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to this client agreement such notice unless otherwise agreed in writingagreed. You will be liable to pay for any transactions made prior to termination and any fees which may be outstanding. Anti Money Laundering We Inspection of Records You or your appointed agent may inspect contract notes, vouchers and entries in our books (whether kept manually or electronically) which relate solely to your investments. As all our clients' records are required confidential, we reserve the right to verify withhold copies of your identity in accordance with records if the Proceeds originals would give access to the records of Crime Xxx 0000 and the Money Laundering Regulations 2007other clients. Conflicts of Interest We reserve the right during our dealings with you to approach third parties and deliver services to delay any applications until adequate verification other clients whose interests might compete with yours or may be adverse to yours, subject to our normal confidentiality terms. If this happens, or we become aware that our interests or those of identity has been obtained. Governing Law & Jurisdiction LIABILITY You agree to indemnify us in relation to any acts; proceedings or claims which we incur directly or indirectly as a result one of our acting under this agreement save that this indemnity shall not apply other customers conflicts with your interests, we will inform you in writing and obtain your consent before we carry out your instructions, unless we are unable to the extent it arises out do so because of our negligence, fraud, breach of this agreement or our regulatory responsibilitiesconfidentiality obligations. We reserve the right to amend this agreement at our discretion where changes in regulation or law necessitate by giving you notice in writing. You In any event we will also be given the option to accept our new agreements or terminate our authority. This agreement shall be governed by and construed according to English/Scottish law (delete as appropriate). Any disputes shall be determined in the jurisdiction not proceed with any transaction if it would disadvantage any of the English/Scottish Courts (delete as appropriate)customers involved. Where In certain cases, we may decline to act for you, or decline to carry out a formal written notice transaction on your behalf. Further information about our conflicts of interest policy is required by this agreement then it shall available on request. Xxxxx Xxxxxxxxxx also manages investments for WM Capital Management. Full disclosure of Xxxxx’s fund management role with WM Capital Management will be in writing (made for Thames Valley Investments’ clients who also invest with WM Capital Management. FCA rules prohibit us from accepting payment which is likely to conflict with our duty to our clients. Your Responsibility The Financial Conduct Authority acknowledges consumers' responsibility for their own decisions. Regulation does not email unless agreed in advance by the parties) and sent by first class post and deemed effective two business days after posting. Client’s Consent This is our standard client agreement upon which we intend to rely. For absolve you of responsibility for your decisions on your own benefit and protection you should read these terms carefully before signing them. If you do not understand any point please ask for further information. I/We understand and consent to the terms of this client agreement and I/We hereby authorise the transfer of information, as described above, on a confidential basis when warranted between such third parties. I/We authorise you to liaise with My/Our other professional advisers in exchanging relevant personal information pertinent to my/our financial planning requirements and to rely on any such information provided. I/We agree that this Client Agreement will come into effect from the date below. Please tick this box if you do not wish for us or any company associated with us to contact you for marketing purposes by e-mail, telephone, post or SMS. Client Name(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Client signature(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Date .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Signed for and on behalf of the firm: Adviser .. .. .. .. .. .. .. .. .. .. .. .. Signature .. .. .. .. .. .. .. .. .. .. .. .. Date of issue .. .. .. .. .. .. .. .. .. .. .. ..affairs.

Cancellation Rights. The In most cases you can exercise a right to cancel by withdrawing from the contract. In general terms you will normally have a 30 day cancellation rights period for each individual a life, pure protection, payment protection or pension policy and a 14 day cancellation period for all other policies. For investments this will typically start when funds are invested and for pure protection policies this will normally begin when you are informed that the contract has been concluded or, if later, when you have been advised on received the contractual terms and conditions. Instructions for exercising the right to cancel, if applicable, will be explained contained in the relevant product information issued to you. If you cancel a single premium contract, you may incur a loss due to market movements. This means that, in your suitability report which we will give certain circumstances, you before or at might not get back the time full amount you confirm or carry out invested if you cancel the transactionpolicy. Where cancellation is requested within the cancellation period we will instruct the provider to refund the proceeds net/gross of the adviser charging agreed. MATERIAL INTERESTS Client Money We are not connected permitted to any product providerhandle client money and we cannot accept a cheque made out to us (unless it is in respect of an item for which we have sent you an invoice) or handle cash. Documentation We will endeavour to make arrangements for all your investments to be registered in your name unless you first instruct us otherwise in writing. All policy documents will be forwarded to you immediately after we have received them. If there are a number of documents relating to a series of transactions, but occasions can we will normally hold each document until the series is complete and then forward them to you. We will issue all communications in English, unless agreed otherwise. Material Interest We will act honestly, fairly and professionally known as conducting business in ‘Clients’ best interests’. Occasionally situations may arise where we, we or one of our other customers, will clients have some form of interest in business, which we are transacting business transacted for you. If this happens, happens or we become aware that our interests or those of one of our other customers clients conflict with your interestsinterest, we will inform write to you in writing and obtain your consent before we carry out your instructionsinstructions and detail the steps we will take to ensure fair treatment. There Where this cannot be achieved, we will not conduct the business. Complaints Our clients value the service we provide and often recommend us to others. In the unlikely event that you are dissatisfied or wish to register a complaint, please write to the Managing Director at the address at the head of this document, telephone 00000 000000 or email xxx@xxxxxxxx.xxx A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be occasions when entitled to refer it to the Financial Ombudsman Service at xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx or by contacting them on 0800 023 4567. Compensation Scheme If you make a complaint and we are unable to meet our liabilities, you may be entitled to compensation from the Financial Services Compensation Scheme. For investment business you will be unable to act for one of the parties. As a consequence of such potential conflicts arising, we have put arrangements in place to ensure our clients are treated fairly. We have also implemented a conflicts of interest policy to help us manage such risks, which you may access on request. Risk Warnings Relevant risk warnings will be advised to you throughout the financial planning process and in your suitability report. For mortgages please be aware that your home may be repossessed if you do not keep up repayments on your mortgage. For insurance products, your insurance policy may lapse if you do not keep covered up to date with regular premium payments a maximum of £85,000. Further information about these amounts and you may not be covered if a claim is made. Termination of Authority You or we may terminate our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given in writing and will take effect limits for all other product types are available from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees which may be outstanding. Anti FSCS at xxxx://xxx.xxxx.xxx.xx/what-we-cover/products Anti-Money Laundering We are required by the anti-money laundering regulations to verify the identity of our clients, to obtain information as to the purpose and nature of the business which we conduct on their behalf and to ensure that the information we hold is up-to-date. For this purpose, 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. Data Protection & Privacy The company retains its records electronically and is bound by the General Data Protection Regulations. Xxxxx takes your identity privacy seriously. You can read it here xxx.xxxxxxxx.xxx/xxxxxxx-xxxxxx Law This client agreement is governed and shall be construed in accordance with the Proceeds of Crime Xxx 0000 English Law and the Money Laundering Regulations 2007. We reserve the right to approach third parties and to delay any applications until adequate verification of identity has been obtained. Governing Law & Jurisdiction LIABILITY You agree to indemnify us in relation to any acts; proceedings or claims which we incur directly or indirectly as a result of our acting under this agreement save that this indemnity shall not apply submit to the extent it arises out of our negligence, fraud, breach of this agreement or our regulatory responsibilities. We reserve the right to amend this agreement at our discretion where changes in regulation or law necessitate by giving you notice in writing. You will also be given the option to accept our new agreements or terminate our authority. This agreement shall be governed by and construed according to English/Scottish law (delete as appropriate). Any disputes shall be determined in the exclusive jurisdiction of the English/Scottish Courts (delete as appropriate). Where a formal written notice is required by this agreement then it shall be in writing (not email unless agreed in advance by the parties) and sent by first class post and deemed effective two business days after posting. Client’s Consent This is our standard client agreement upon which we intend to rely. For your own benefit and protection you should read these terms carefully before signing them. If you do not understand any point please ask for further information. I/We understand and consent to the terms of this client agreement and I/We hereby authorise the transfer of information, as described above, on a confidential basis when warranted between such third parties. I/We authorise you to liaise with My/Our other professional advisers in exchanging relevant personal information pertinent to my/our financial planning requirements and to rely on any such information provided. I/We agree that this Client Agreement will come into effect from the date below. Please tick this box if you do not wish for us or any company associated with us to contact you for marketing purposes by e-mail, telephone, post or SMS. Client Name(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Client signature(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Date .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Signed for and on behalf of the firm: Adviser .. .. .. .. .. .. .. .. .. .. .. .. Signature .. .. .. .. .. .. .. .. .. .. .. .. Date of issue .. .. .. .. .. .. .. .. .. .. .. ..English Courts.

Cancellation Rights. The cancellation rights for each individual policy you have been advised on will be explained to you in your suitability report which we will give you by our supportive concerned web-based administrator before or at the time you confirm or carry out the transaction. Where cancellation is requested within the cancellation period we will instruct the provider to refund the proceeds net/gross of the adviser charging agreed. MATERIAL INTERESTS We are not connected to any product provider, but occasions can arise where we, or one of our other customers, will have some form of interest in business, which we are transacting for you. If this happens, or we become aware that our interests or those of one of our other customers customer’s conflict with your interests, we will inform you in writing and obtain your consent before we carry out your instructions. There may be occasions when we will be unable to act for one of the parties. As a consequence of such potential conflicts arising, we have put arrangements in place to ensure our clients are treated fairly. We have also implemented a conflicts of interest policy to help us manage such risks, which you may access on request. Risk Warnings Where an advisory firm works in a partnership with a discretionary manager, appropriate agreements must be in place. Should a recommendation be made to appoint LSI to act as a discretionary manager for any proposed investment a formal discretionary management agreement will be required that sets out how your investments will be managed. LSI will be responsible for the suitability of the advice. We recognize the potential conflict of interest operating within a group structure, and maintain robust systems and controls to mitigate the risks. Where a platform/custodian is used their particular terms and conditions will be provided or available upon request. RISK WARNINGS Relevant risk warnings will be advised to you throughout the financial planning process and in maybe, your suitability report. The value of investments may go down as well as up, and you may not get back the amount invested. Levels of income from investments may fluctuate. We cannot be held liable for any depreciation in the value of investments arranged for you. Non- readily realizable investments will generally have a restricted market, and therefore it may be difficult to deal in that investment or to obtain reliable information about its value. For mortgages please be aware that your home may be repossessed if you do not keep up repayments on your mortgage. For insurance products, your insurance policy may lapse if you do not keep up to date with regular premium payments and you may not be covered if a claim is made. Termination of Authority You Again, we require our clients to give us instructions in writing, or we may terminate confirm our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees which may be outstanding. Anti Money Laundering We are required to verify your identity in accordance with the Proceeds of Crime Xxx 0000 and the Money Laundering Regulations 2007. We reserve the right to approach third parties and to delay any applications until adequate verification of identity has been obtained. Governing Law & Jurisdiction LIABILITY You agree to indemnify us in relation to any acts; proceedings or claims which we incur directly or indirectly as a result of our acting under this agreement save that this indemnity shall not apply to the extent it arises out of our negligence, fraud, breach of this agreement or our regulatory responsibilities. We reserve the right to amend this agreement at our discretion where changes in regulation or law necessitate by giving you notice in writing. You will also be given the option to accept our new agreements or terminate our authority. This agreement shall be governed by and construed according to English/Scottish law (delete as appropriate). Any disputes shall be determined in the jurisdiction of the English/Scottish Courts (delete as appropriate). Where a formal written notice is required by this agreement then it shall be understanding in writing (not email unless agreed in advance by the parties) and sent by first class post and deemed effective two business days after posting. Client’s Consent This is our standard client agreement upon which we intend to rely. For your own benefit and protection you should read these terms carefully before signing them. If you do not understand any point please ask for further information. I/We understand and consent to the terms of this client agreement and I/We hereby authorise the transfer of information, as described above, on a confidential basis when warranted between such third parties. I/We authorise you to liaise with My/Our other professional advisers in exchanging relevant personal information pertinent to my/our financial planning requirements and to rely on any such information provided. I/We agree that this Client Agreement will come into effect from the date below. Please tick this box if you do not wish for us or any company associated with us to contact you for marketing purposes by e-mail, telephone, post or SMS. Client Name(sby email) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Client signature(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Date .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Signed for and on behalf of the firm: Adviser .. .. .. .. .. .. .. .. .. .. .. .. Signature .. .. .. .. .. .. .. .. .. .. .. .. Date of issue .. .. .. .. .. .. .. .. .. .. .. ..in order to avoid possible disputes.

Cancellation Rights. The cancellation rights for each individual policy you have been advised on will be explained to you in your suitability report which we will give you by our supportive concerned web-based administrator before or at the time you confirm or carry out the transaction. Where cancellation is requested within the cancellation period we will instruct the provider to refund the proceeds net/gross of the adviser charging agreed. MATERIAL INTERESTS We are not connected to any product provider, but occasions can arise where we, or one of our other customers, will have some form of interest in business, which we are transacting for you. If this happens, or we become aware that our interests or those of one of our other customers customer’s conflict with your interests, we will inform you in writing and obtain your consent before we carry out your instructions. There may be occasions when we will be unable to act for one of the parties. As a consequence of such potential conflicts arising, we have put arrangements in place to ensure our clients are treated fairly. We have also implemented a conflicts of interest policy to help us manage such risks, which you may access on request. Risk Warnings Where an advisory firm works in a partnership with a discretionary manager, appropriate agreements must be in place. Should a recommendation be made to appoint SST to act as a discretionary manager for any proposed investment a formal discretionary management agreement will be required that sets out how your investments will be managed. SST will be responsible for the suitability of the advice. We recognize the potential conflict of interest operating within a group structure, and maintain robust systems and controls to mitigate the risks. Where a platform/custodian is used their particular terms and conditions will be provided or available upon request. RISK WARNINGS Relevant risk warnings will be advised to you throughout the financial planning process and in maybe, your suitability report. The value of investments may go down as well as up, and you ma y not get back the a mount invested. Levels of income from investments may fluctuate. We cannot be held liable for any depreciation in the value of investments arranged for you. Non- readily realizable investments will generally have a restricted market, and therefore it ma y be difficult to deal in that investment or to obtain reliable information about its value. For mortgages mortga ges please be aware that your home may ma y be repossessed if you do not keep up repayments on your mortgagemortga ge. For insurance products, your insurance policy may ma y lapse if you do not keep up to date with regular premium payments and you may ma y not be covered if a claim is madema de. Termination of Authority You Again, we require our clients to give us instructions in writing, or we may terminate confirm our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees which may be outstanding. Anti Money Laundering We are required to verify your identity in accordance with the Proceeds of Crime Xxx 0000 and the Money Laundering Regulations 2007. We reserve the right to approach third parties and to delay any applications until adequate verification of identity has been obtained. Governing Law & Jurisdiction LIABILITY You agree to indemnify us in relation to any acts; proceedings or claims which we incur directly or indirectly as a result of our acting under this agreement save that this indemnity shall not apply to the extent it arises out of our negligence, fraud, breach of this agreement or our regulatory responsibilities. We reserve the right to amend this agreement at our discretion where changes in regulation or law necessitate by giving you notice in writing. You will also be given the option to accept our new agreements or terminate our authority. This agreement shall be governed by and construed according to English/Scottish law (delete as appropriate). Any disputes shall be determined in the jurisdiction of the English/Scottish Courts (delete as appropriate). Where a formal written notice is required by this agreement then it shall be understanding in writing (not email unless agreed in advance by the parties) and sent by first class post and deemed effective two business days after posting. Client’s Consent This is our standard client agreement upon which we intend to rely. For your own benefit and protection you should read these terms carefully before signing them. If you do not understand any point please ask for further information. I/We understand and consent to the terms of this client agreement and I/We hereby authorise the transfer of information, as described above, on a confidential basis when warranted between such third parties. I/We authorise you to liaise with My/Our other professional advisers in exchanging relevant personal information pertinent to my/our financial planning requirements and to rely on any such information provided. I/We agree that this Client Agreement will come into effect from the date below. Please tick this box if you do not wish for us or any company associated with us to contact you for marketing purposes by e-mail, telephone, post or SMS. Client Name(sby email) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Client signature(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Date .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Signed for and on behalf of the firm: Adviser .. .. .. .. .. .. .. .. .. .. .. .. Signature .. .. .. .. .. .. .. .. .. .. .. .. Date of issue .. .. .. .. .. .. .. .. .. .. .. ..in order to avoid possible disputes.

Cancellation Rights. The cancellation rights for each individual policy you have been advised on your investment will be explained to you in your suitability report which we will give you before or at the time you confirm or we carry out the transaction. Where cancellation Client Money For your additional security we do not handle clients’ money. We never accept a cheque made out to us (unless it is requested within a cheque in settlement of our fees or other charges or disbursements for which we have sent you an invoice). We do not handle cash. Data Protection and Anti Money Laundering We are registered under the cancellation period Data Protection Act 1998. We hold only such personal data about our clients as we will instruct consider is necessary in order for us to provide to them the provider services we offer to refund the proceeds net/gross provide. You acknowledge and understand that we keep personal and financial information with regard to your circumstances on file (electronic and / or paper based) as required to be able to advise you as to your financial planning needs, and to service our relationship with you. A copy of our Privacy Policy, and a complete list of the adviser charging agreed. MATERIAL INTERESTS We personal data that we hold, are not connected to any product provider, but occasions can arise where we, or one of our other customers, will have some form of interest in business, which we are transacting for you. If this happens, or we become aware that our interests or those of one of our other customers conflict with your interests, we will inform you in writing and obtain your consent before we carry out your instructions. There may be occasions when we will be unable to act for one of the parties. As a consequence of such potential conflicts arising, we have put arrangements in place to ensure our clients are treated fairly. We have also implemented a conflicts of interest policy to help us manage such risks, which you may access available on request. Risk Warnings Relevant risk warnings We confirm this information will not be advised used or transferred to any other firm, company, entity or person, with the exception of providers and platforms in order to perform the contract that has been agreed with you, without your consent or as may be required by law. We may also provide information to the FCA upon request. We cannot be held responsible for the information held on your file being inaccurate due to you throughout failing to inform us of a change of circumstances. Where business services are provided to us by third parties then circumstances may arise which warrant the financial planning process disclosure of more than just your basic contact details. On these occasions such as processing business, and obtaining compliance and regulatory advice, you agree personal information held by us may be disclosed on a confidential basis, and in your suitability reportaccordance with the Data Protection Act 1998, to such third parties. For mortgages please be aware that your home You agree this information may be repossessed if you do not keep up repayments on your mortgage. For insurance productstransferred electronically, your insurance policy may lapse if you do not keep up to date with regular premium payments and you may not be covered if a claim is made. Termination of Authority You or we may terminate our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writinge.g. email. You will be liable also agree we may, or any such third party may, contact you in the future by any means of communication which we or they consider appropriate at the time, to pay provide relevant and appropriate information to you. We keep records of our business transactions with you for any transactions made prior to termination and any fees which may be outstandingat least 6 years. Anti Money Laundering We are required to verify your identity in accordance with the Proceeds of Crime Xxx 0000 Act 2002 and the Money Laundering Regulations 2007. We reserve the right to approach third parties and to delay any of your applications until adequate verification of identity has been obtained. Governing Law & Jurisdiction LIABILITY You agree to indemnify us in relation to any acts; proceedings or claims which we incur directly or indirectly as a result of our acting under this agreement save that this indemnity shall not apply to the extent it arises out of our negligence, fraud, breach of this agreement or our regulatory responsibilities. We reserve the right to amend this agreement at our discretion where changes in regulation or law necessitate by giving you notice in writing. You will also be given the option to accept our new agreements or terminate our authority. This agreement shall be governed by and construed according to English/Scottish law (delete as appropriate). Any disputes shall be determined in the jurisdiction of the English/Scottish Courts (delete as appropriate). Where a formal written notice is required by this agreement then it shall be in writing (not email unless agreed in advance by the parties) and sent by first class post and deemed effective two business days after posting. Client’s Consent This is our standard client agreement upon which we intend to rely. For your own benefit and protection you should read these terms carefully before signing them. If you do not understand any point please ask for further information. I/We understand and consent to the terms of this client agreement and I/We hereby authorise the transfer of information, as described above, on a confidential basis when warranted between such third parties. I/We authorise you to liaise with My/Our other professional advisers in exchanging relevant personal information pertinent to my/our financial planning requirements and to rely on any such information provided. I/We agree that this Client Agreement will come into effect from the date below. Please tick this box if you do not wish for us or any company associated with us to contact you for marketing purposes by e-mail, telephone, post or SMS. Client Name(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Client signature(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Date .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Signed for and on behalf of the firm: Adviser .. .. .. .. .. .. .. .. .. .. .. .. Signature .. .. .. .. .. .. .. .. .. .. .. .. Date of issue .. .. .. .. .. .. .. .. .. .. .. ...

Cancellation Rights. Ø The cancellation rights for each individual policy you have been advised on will be explained to you in your suitability report which we will give you before or at the time you confirm or carry out the transaction. Where the provider is already in receipt of the investment proceeds and cancellation is requested within the cancellation period we will instruct the provider to refund the proceeds net/gross of the adviser charging agreed. MATERIAL INTERESTS We are not connected to any product provider, but occasions Material Interests & Conflicts of Interest Ø Occasions can arise where we, or one of our other customers, will have some form of interest in business, which we are transacting for you. If this happens, or we become aware that our interests or those of one of our other customers conflict with your interests, we will inform you in writing and obtain your consent before we carry out your instructions. There may be occasions when we will be unable to act for one of the partiesforyou. As a consequence of such potential conflicts arising, we have put arrangements in place to ensure all our clients are treated fairly. We have also implemented a conflicts of interest policy to help us to all appropriate steps to manage such risks. While we take all appropriate steps to mitigate such risks, which if we are unable to mitigate the risks from a potential conflict, before we undertake any actions on your behalf we will inform you in writing with; • A specific description of the conflicts that has arisen. • A clear documented statement of the steps the firm has taken to prevent the conflict. • An explanation of the remaining risks that are posed to your interest. Ø We may access give or receive minor non-monetary benefits to/from some of the firms with whom we work in order to offer you a better service. Such benefits may include information relating to financial instruments or investment services; participation in conferences, seminars and training events; and minor hospitality (such as food and drink during a business meeting, conference, seminar or training event). Any costs we incur in provision of such benefits will not affect the charges you pay for our service. Further information regarding these arrangements is available on request. Risk Warnings Ø Relevant risk warnings will be advised to you throughout the financial planning process and in your suitability report. For mortgages please The value of investments may go down as well as up, and you may not get back the amount invested. Levels of income from investments may fluctuate. We cannot be aware that your home held liable for any depreciation in the value of investments arranged for you. Non-readily realisable investments will generally have a restricted market, and therefore it may be repossessed if you do not keep up repayments on your mortgagedifficult to deal in that investment or to obtain reliable information about its value. For insurance products, your insurance policy may lapse if you do not keep up to date with regular premium payments and you may not be covered if a claim is made. Termination of Authority You or we may terminate our authority and/or this agreement to act on For mortgages please be aware that your behalf at any time without penalty. Notice of this termination must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees which home may be outstanding. Anti Money Laundering We are required to verify your identity in accordance with the Proceeds of Crime Xxx 0000 and the Money Laundering Regulations 2007. We reserve the right to approach third parties and to delay any applications until adequate verification of identity has been obtained. Governing Law & Jurisdiction LIABILITY You agree to indemnify us in relation to any acts; proceedings or claims which we incur directly or indirectly as a result of our acting under this agreement save that this indemnity shall not apply to the extent it arises out of our negligence, fraud, breach of this agreement or our regulatory responsibilities. We reserve the right to amend this agreement at our discretion where changes in regulation or law necessitate by giving you notice in writing. You will also be given the option to accept our new agreements or terminate our authority. This agreement shall be governed by and construed according to English/Scottish law (delete as appropriate). Any disputes shall be determined in the jurisdiction of the English/Scottish Courts (delete as appropriate). Where a formal written notice is required by this agreement then it shall be in writing (not email unless agreed in advance by the parties) and sent by first class post and deemed effective two business days after posting. Client’s Consent This is our standard client agreement upon which we intend to rely. For your own benefit and protection you should read these terms carefully before signing them. If you do not understand any point please ask for further information. I/We understand and consent to the terms of this client agreement and I/We hereby authorise the transfer of information, as described above, on a confidential basis when warranted between such third parties. I/We authorise you to liaise with My/Our other professional advisers in exchanging relevant personal information pertinent to my/our financial planning requirements and to rely on any such information provided. I/We agree that this Client Agreement will come into effect from the date below. Please tick this box repossessed if you do not wish for us or any company associated with us to contact you for marketing purposes by e-mail, telephone, post or SMS. Client Name(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Client signature(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Date .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Signed for and keep up repayments on behalf of the firm: Adviser .. .. .. .. .. .. .. .. .. .. .. .. Signature .. .. .. .. .. .. .. .. .. .. .. .. Date of issue .. .. .. .. .. .. .. .. .. .. .. ..your mortgage.

Cancellation Rights. The cancellation rights for each individual policy you have been advised on will be explained to you in your suitability report which we will give you by our supportive concerned web-based administrator before or at the time you confirm or carry out the transaction. Where cancellation is requested within the cancellation period we will instruct the provider to refund the proceeds net/gross of the adviser charging agreed. MATERIAL INTERESTS We are not connected to any product provider, but occasions can arise where we, or one of our other customers, will have some form of interest in business, which we are transacting for you. If this happens, or we become aware that our interests or those of one of our other customers customer’s conflict with your interests, we will inform you in writing and obtain your consent before we carry out your instructions. There may be occasions when we will be unable to act for one of the parties. As a consequence of such potential conflicts arising, we have put arrangements in place to ensure our clients are treated fairly. We have also implemented a conflicts of interest policy to help us manage such risks, which you may access on request. Risk Warnings Where an advisory firm works in a partnership with a discretionary manager, appropriate agreements must be in place. Should a recommendation be made to appoint LSC to act as a discretionary manager for any proposed investment a formal discretionary management agreement will be required that sets out how your investments will be managed. LSC will be responsible for the suitability of the advice. We recognize the potential conflict of interest operating within a group structure, and maintain robust systems and controls to mitigate the risks. Where a platform/custodian is used their particular terms and conditions will be provided or available upon request. RISK WARNINGS Relevant risk warnings will be advised to you throughout the financial planning process and in maybe, your suitability report. The value of investments may go down as well as up, and you may not get back the amount invested. Levels of income from investments may fluctuate. We cannot be held liable for any depreciation in the value of investments arranged for you. Non- readily realizable investments will generally have a restricted market, and therefore it may be difficult to deal in that investment or to obtain reliable information about its value. For mortgages please be aware that your home may be repossessed if you do not keep up repayments on your mortgage. For insurance products, your insurance policy may lapse if you do not keep up to date with regular premium payments and you may not be covered if a claim is made. Termination of Authority You Again, we require our clients to give us instructions in writing, or we may terminate confirm our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees which may be outstanding. Anti Money Laundering We are required to verify your identity in accordance with the Proceeds of Crime Xxx 0000 and the Money Laundering Regulations 2007. We reserve the right to approach third parties and to delay any applications until adequate verification of identity has been obtained. Governing Law & Jurisdiction LIABILITY You agree to indemnify us in relation to any acts; proceedings or claims which we incur directly or indirectly as a result of our acting under this agreement save that this indemnity shall not apply to the extent it arises out of our negligence, fraud, breach of this agreement or our regulatory responsibilities. We reserve the right to amend this agreement at our discretion where changes in regulation or law necessitate by giving you notice in writing. You will also be given the option to accept our new agreements or terminate our authority. This agreement shall be governed by and construed according to English/Scottish law (delete as appropriate). Any disputes shall be determined in the jurisdiction of the English/Scottish Courts (delete as appropriate). Where a formal written notice is required by this agreement then it shall be understanding in writing (not email unless agreed in advance by the parties) and sent by first class post and deemed effective two business days after posting. Client’s Consent This is our standard client agreement upon which we intend to rely. For your own benefit and protection you should read these terms carefully before signing them. If you do not understand any point please ask for further information. I/We understand and consent to the terms of this client agreement and I/We hereby authorise the transfer of information, as described above, on a confidential basis when warranted between such third parties. I/We authorise you to liaise with My/Our other professional advisers in exchanging relevant personal information pertinent to my/our financial planning requirements and to rely on any such information provided. I/We agree that this Client Agreement will come into effect from the date below. Please tick this box if you do not wish for us or any company associated with us to contact you for marketing purposes by e-mail, telephone, post or SMS. Client Name(sby email) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Client signature(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Date .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Signed for and on behalf of the firm: Adviser .. .. .. .. .. .. .. .. .. .. .. .. Signature .. .. .. .. .. .. .. .. .. .. .. .. Date of issue .. .. .. .. .. .. .. .. .. .. .. ..in order to avoid possible disputes.

Cancellation Rights. The cancellation rights for each individual policy you have been advised on will be explained to you in your suitability report which we will give you before or at the time you confirm or carry out the transaction. Where the provider is already in receipt of the investment proceeds and cancellation is requested within the cancellation period period, we will instruct the provider to refund the proceeds net/gross of the adviser charging agreed. MATERIAL INTERESTS/CONFLICT OF INTERESTS We are not connected to any product provider, but occasions Occasions can arise where we, or one of our other customers, will have some form of interest in business, which we are transacting for you. If this happens, or we become aware that our interests or those of one of our other customers conflict with your interests, we will inform you in writing and obtain your consent before we carry out your instructions. There may be occasions when we will be unable to act for one of the parties. As a consequence of such potential conflicts arising, we have put arrangements in place to ensure all our clients are treated fairly. We have also implemented a conflicts of interest policy to help us to all appropriate steps to manage such risks. While we take all appropriate steps to mitigate such risks, which if we are unable to mitigate the risks from a potential conflict, before we undertake any actions on your behalf, we will inform you in writing with: A specific description of the conflicts that has arisen. A clearly documented statement of the steps the firm has taken to prevent the conflict. An explanation of the remaining risks that are posed to your interest. We may access give or receive minor non-monetary benefits to/from some of the firms with whom we work in order to offer you a better service. Such benefits may include information relating to financial instruments or investment services; participation in conferences, seminars and training events; and minor hospitality (such as food and drink during a business meeting, conference, seminar or training event). Any costs we incur in provision of such benefits will not affect the charges you pay for our service. Further information regarding these arrangements is available on request. Risk Warnings RISK WARNINGS Relevant risk warnings will be advised to you throughout the financial planning process and in your suitability report. For mortgages please The value of investments may go down as well as up, and you may not get back the amount invested. Levels of income from investments may fluctuate. We cannot be aware that your home held liable for any depreciation in the value of investments arranged for you. Non-readily realisable investments will generally have a restricted market, and therefore it may be repossessed if you do not keep up repayments on your mortgagedifficult to deal in that investment or to obtain reliable information about its value. For insurance products, your insurance policy may lapse if you do not keep up to date with regular premium payments and you may not be covered if a claim is made. Termination of Authority You or we may terminate our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees which may be outstanding. Anti Money Laundering We are required to verify your identity in accordance with the Proceeds of Crime Xxx 0000 and the Money Laundering Regulations 2007. We reserve the right to approach third parties and to delay any applications until adequate verification of identity has been obtained. Governing Law & Jurisdiction LIABILITY You agree to indemnify us in relation to any acts; proceedings or claims which we incur directly or indirectly as a result of our acting under this agreement save that this indemnity shall not apply to the extent it arises out of our negligence, fraud, breach of this agreement or our regulatory responsibilities. We reserve the right to amend this agreement at our discretion where changes in regulation or law necessitate by giving you notice in writing. You will also be given the option to accept our new agreements or terminate our authority. This agreement shall be governed by and construed according to English/Scottish law (delete as appropriate). Any disputes shall be determined in the jurisdiction of the English/Scottish Courts (delete as appropriate). Where a formal written notice is required by this agreement then it shall be in writing (not email unless agreed in advance by the parties) and sent by first class post and deemed effective two business days after posting. Client’s Consent This is our standard client agreement upon which we intend to rely. For your own benefit and protection you should read these terms carefully before signing them. If you do not understand any point please ask for further information. I/We understand and consent to the terms of this client agreement and I/We hereby authorise the transfer of information, as described above, on a confidential basis when warranted between such third parties. I/We authorise you to liaise with My/Our other professional advisers in exchanging relevant personal information pertinent to my/our financial planning requirements and to rely on any such information provided. I/We agree that this Client Agreement will come into effect from the date below. Please tick this box if you do not wish for us or any company associated with us to contact you for marketing purposes by e-mail, telephone, post or SMS. Client Name(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Client signature(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Date .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Signed for and on behalf of the firm: Adviser .. .. .. .. .. .. .. .. .. .. .. .. Signature .. .. .. .. .. .. .. .. .. .. .. .. Date of issue .. .. .. .. .. .. .. .. .. .. .. ...

Cancellation Rights. The cancellation rights for each individual policy you have been advised on will be explained to you in your suitability report which we will give you before or at the time you confirm or carry out the transaction. Where the provider is already in receipt of the investment proceeds and cancellation is requested within the cancellation period we will instruct the provider to refund the proceeds net/gross of the adviser charging agreed. MATERIAL INTERESTS We are not connected to any product provider, but occasions material interests/conflict of Interests Occasions can arise where we, or one of our other customers, will have some form of interest in business, which we are transacting for you. If this happens, or we become aware that our interests or those of one of our other customers conflict with your interests, we will inform you in writing and obtain your consent before we carry out your instructions. There may be occasions when we will be unable to act for one of the parties. As a consequence of such potential conflicts arising, we have put arrangements in place to ensure all our clients are treated fairly. We have also implemented a conflicts of interest policy to help us to all appropriate steps to manage such risks. While we take all appropriate steps to mitigate such risks, which if we are unable to mitigate the risks from a potential conflict, before we undertake any actions on your behalf we will inform you may access on requestin writing with; A specific description of the conflicts that has arisen. A clear documented statement of the steps the firm has taken to prevent the conflict. An explanation of the remaining risks that are posed to your interest Risk Warnings Relevant risk warnings will be advised to you throughout the financial planning process and in your suitability report. The value of investments may go down as well as up, and you may not get back the amount invested. Levels of income from investments may fluctuate. We cannot be held liable for any depreciation in the value of investments arranged for you. Non-readily realisable investments will generally have a restricted market, and therefore it may be difficult to deal in that investment or to obtain reliable information about its value. For mortgages please be aware that your home may be repossessed if you do not keep up repayments on your mortgage. For insurance products, your insurance policy may lapse if you do not keep up to date with regular premium payments and you may not be covered if a claim is made. Termination of Authority You or we may terminate our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees which may be outstanding. Anti Data Protection To advise you properly we’ll need to collect information about your personal and financial circumstances. We take your privacy seriously and will only use your personal information to deliver our services. We are registered under the Data Protection Xxx 0000. You acknowledge and understand that we keep personal and financial information with regard to your circumstances on file (electronic and/or paper based) as required to be able to advise you appropriately as to your financial planning needs. We confirm that this information will not be used or transferred by us to any other firm, company, entity or person with the exception of Sanlam Partnerships Limited and the product provider without your consent or as may be required by law. We may also provide information to the Financial Conduct Authority (FCA) or other official bodies, upon request for regulatory reasons as required by law. We cannot 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. We want to make sure your personal information is accurate and up to date. You may ask us to correct or remove information you think is inaccurate. Where business services are provided to us by third parties then circumstances may arise which warrant the disclosure of more than just your basic contact details. On these occasions such as processing business, and obtaining compliance and regulatory advice you agree that personal information held by us may be disclosed on a confidential basis, and in accordance with the Data Protection Xxx 0000, to such third parties. You agree that this information may be transferred electronically, (e.g. e-mail). You also agree that we or any such third party may contact you in future by any means of communication which we or they consider appropriate at the time. You have the right to request information we hold on you at any time, and may remove the permission to process your data at any time. We keep records of our business transactions with you for at least six years. Anti-Money Laundering We are required to verify your identity in accordance with the Proceeds of Crime Xxx 0000 and the Money Laundering Regulations 2007. We reserve the right to approach third parties and to delay any applications until adequate verification of identity has been obtained. Governing Law & Jurisdiction LIABILITY You agree to indemnify us in relation to any acts; proceedings or claims which we incur directly or indirectly as a result of our acting under this agreement save that this indemnity shall not apply to the extent it arises out of our negligence, fraud, breach of this agreement or our regulatory responsibilities. We reserve the right to amend this agreement at our discretion where changes in regulation or law necessitate by giving you notice in writing. You will also be given the option to accept our new agreements or terminate our authority. This agreement shall be governed by and construed according to English/Scottish law (delete as appropriate). Any disputes shall be determined in the jurisdiction of the English/Scottish Courts (delete as appropriate). Where a formal written notice is required by this agreement then it shall be in writing (not email unless agreed in advance by the parties) and sent by first class post and deemed effective two business days after posting. Client’s Consent This is our standard client agreement upon which we intend to rely. For your own benefit and protection you should read these terms carefully before signing them. If you do not understand any point please ask for further information. I/We understand and consent to the terms of this client agreement and I/We hereby authorise the transfer of information, as described above, on a confidential basis when warranted between such third parties. I/We authorise you to liaise with My/Our other professional advisers in exchanging relevant personal information pertinent to my/our financial planning requirements and to rely on any such information provided. I/We agree that this Client Agreement will come into effect from the date below. Please tick this box if you do not wish for us or any company associated with us to contact you for marketing purposes by e-mail, telephone, post or SMS. Client Name(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Client signature(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Date .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Signed for and on behalf of the firm: Adviser .. .. .. .. .. .. .. .. .. .. .. .. Signature .. .. .. .. .. .. .. .. .. .. .. .. Date of issue .. .. .. .. .. .. .. .. .. .. .. ..Jurisdiction

Cancellation Rights. The In most cases you can exercise a right to cancel by withdrawing from the contract. In general terms you will normally have a 30 day cancellation rights period for each individual a life, pure protection, payment protection or pension policy and a 14 day cancellation period for all other policies. In most instances, you will not be able to exercise a right to cancel a mortgage contract, unless the contract is concluded at a distance (i.e. no face to face advice), at which point you may have been advised on will be explained to you in your suitability report which we will give you before or at a 14 day cancellation period. For pure protection policies the time you confirm or carry out the transaction. Where cancellation is requested within start of the cancellation period we will instruct normally begin when you are informed that the provider contract has been concluded or, if later, when you have received the contractual terms and conditions. In other cases, the cancellation period will begin on the day the contract is concluded or, if later, the day on which you receive the contractual terms and conditions. Instructions for exercising the right to refund the proceeds net/gross of the adviser charging agreed. MATERIAL INTERESTS We are not connected to any product providercancel, but occasions can arise where we, or one of our other customersif applicable, will have some form of interest be contained in business, the relevant product disclosure information which we are transacting for will be issued to you. If this happensyou cancel a single premium contract, or we become aware that our interests or those of one of our other customers conflict with your interests, we will inform you in writing and obtain your consent before we carry out your instructions. There may be occasions when we will be unable to act for one of the parties. As a consequence of such potential conflicts arising, we have put arrangements in place to ensure our clients are treated fairly. We have also implemented a conflicts of interest policy to help us manage such risks, which you may access on request. Risk Warnings Relevant risk warnings will be advised to you throughout the financial planning process and in your suitability report. For mortgages please be aware that your home may be repossessed if you do not keep up repayments on your mortgage. For insurance products, your insurance policy may lapse if you do not keep up to date with regular premium payments and you may not be covered if a claim is made. Termination of Authority You or we may terminate our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writing. You will be liable required to pay for any transactions loss you might reasonably incur in cancelling it which is caused by market movements. This means that, in certain circumstances, you might not get back the full amount you invested if you cancel the policy. ADDITIONAL PROTECTION Xxxxxx Independent Financial Advisers Ltd is authorised and regulated by the Financial Conduct Authority (‘FCA’), 00 Xxxxxxxxx Xxxxxx, Xxxxxx, X00 0XX. Our FCA Register number is 491145. Our permitted business is advising on and arranging pensions, savings and investment products, non-investment insurance contracts and mortgages. You can check this on the FCA’s Register by visiting the FCA’s website xxx.xxx.xxx.xx/xxxxxxxx or by contacting the FCA on 0845 606 1234. In the event that you are dissatisfied with a recommendation we have made prior to termination and any fees which you may be outstanding. Anti Money Laundering We are required entitled to verify your identity in accordance with the Proceeds of Crime Xxx 0000 and the Money Laundering Regulations 2007make a complaint. We reserve the right to approach third parties and to delay any applications until adequate verification of identity has been obtained. Governing Law & Jurisdiction LIABILITY You agree to indemnify us in relation to any acts; proceedings or claims which we incur directly or indirectly as have a result of our acting under this agreement save complaints procedure that this indemnity shall not apply to the extent it arises out of our negligence, fraud, breach of this agreement or our regulatory responsibilities. We reserve the right to amend this agreement at our discretion where changes in regulation or law necessitate by giving you notice in writing. You will also be given the option to accept our new agreements or terminate our authority. This agreement shall be governed by and construed according to English/Scottish law (delete as appropriate). Any disputes shall be determined in the jurisdiction of the English/Scottish Courts (delete as appropriate). Where a formal written notice is required by this agreement then it shall be in writing (not email unless agreed in advance by the parties) and sent by first class post and deemed effective two business days after posting. Client’s Consent This is our standard client agreement upon which we intend to rely. For your own benefit and protection you should read these terms carefully before signing themavailable on request. If you do not understand any point wish to register a complaint, please ask for further information. I/We understand and consent contact us: In writing: Write to the terms of this client agreement and I/We hereby authorise the transfer of informationThe Compliance Officer, as described aboveXxxxxx Independent Financial Advisers Ltd, on a confidential basis when warranted between such third parties. I/We authorise you to liaise with My/Our other professional advisers in exchanging relevant personal information pertinent to my/our financial planning requirements and to rely on any such information provided. I/We agree that this Client Agreement will come into effect from the date below. Please tick this box if you do not wish for us or any company associated with us to contact you for marketing purposes by Venture House, 0 Xxxxxxxxx Xxxxxx, Xxxxxxxxx Xxx, Xxxxxxxxx, Xxxxxxxxx, XX00 0XX By phone: Telephone 00000 000000 By e-mail: xxxxxx@xxxxxx-xxx.xx.xx For your further protection if you cannot settle your complaint with us, telephone, post or SMS. Client Name(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Client signature(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Date .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Signed for and on behalf of you may be entitled to refer it to the firm: Adviser .. .. .. .. .. .. .. .. .. .. .. .. Signature .. .. .. .. .. .. .. .. .. .. .. .. Date of issue .. .. .. .. .. .. .. .. .. .. .. ..Financial Ombudsman Service (‘FOS’).

Cancellation Rights. The cancellation rights for each individual policy you have been advised on will be explained to you in your suitability report which we will give you before or at the time you confirm or carry out the transaction. Where cancellation is requested within the cancellation period we will instruct the provider to refund the proceeds net/gross of the adviser charging agreed. MATERIAL INTERESTS We are not connected to any product provider, but occasions can arise where we, or one of our other customers, will have some form of interest in business, which we are transacting for you. If this happens, or we become aware that our interests or those of one of our other customers conflict with your interests, we will inform you in writing and obtain your consent before we carry out your instructions. There may be occasions when we will be unable to act for one of the parties. As a consequence of such potential conflicts arising, we have put arrangements in place to ensure our clients are treated fairly. We have also implemented a conflicts of interest policy to help us manage such risks, which you may access on request. Risk Warnings Relevant risk warnings will be advised to you throughout the financial planning process and in your suitability report. For mortgages please be aware that your home may be repossessed if you do not keep up repayments on your mortgage. For insurance products, your insurance policy may lapse if you do not keep up to date with regular premium payments and you may not be covered if a claim is made. Termination of Authority You or we may terminate our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees which may be outstanding. Anti Money Laundering We are required to verify your identity in accordance with the Proceeds of Crime Xxx 0000 and the Money Laundering Regulations 2007. We reserve the right to approach third parties and to delay any applications until adequate verification of identity has been obtained. Governing Law & Jurisdiction LIABILITY You agree to indemnify us in relation to any acts; proceedings or claims which we incur directly or indirectly as a result of our acting under this agreement save that this indemnity shall not apply to the extent it arises out of our negligence, fraud, breach of this agreement or our regulatory responsibilities. We reserve the right to amend this agreement at our discretion where changes in regulation or law necessitate by giving you notice in writing. You will also be given the option to accept our new agreements or terminate our authority. This agreement shall be governed by and construed according to English/Scottish law (delete as appropriate)English law. Any disputes shall be determined in the jurisdiction of the English/Scottish Courts (delete as appropriate). English law Where a formal written notice is required by this agreement then it shall be in writing (not email unless agreed in advance by the parties) and sent by first class post and deemed effective two business days after posting. Client’s Consent This is our standard client agreement upon which we intend to rely. For your own benefit and protection you should read these terms carefully before signing them. If you do not understand any point please ask for further information. I/We understand and consent to the terms of this client agreement and I/We hereby authorise the transfer of information, as described above, on a confidential basis when warranted between such third parties. I/We authorise you to liaise with My/Our other professional advisers in exchanging relevant personal information pertinent to my/our financial planning requirements and to rely on any such information provided. I/We agree that this Client Agreement will come into effect from the date below. Please tick this box if you do not wish for us or any company associated with us to contact you for marketing purposes by e-mail, telephone, post or SMS. Client Name(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Client signature(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Date .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Signed for and on behalf of the firm: Adviser .. .. .. .. .. .. .. .. .. .. .. .. Signature .. .. .. .. .. .. .. .. .. .. .. .. Date of issue .. .. .. .. .. .. .. .. .. .. .. .... JVR Financial Services (Xxxxxxx Xxxxxxxx FCA number 791593) is an appointed representative of Alpha Independent Financial Planning Limited which is authorised & regulated by the Financial Conduct Authority (FCA) under number 711124. You can check this on the Financial Services Register by visiting xxx.xxx.xxx.xx/xxxxxxxx/ or by contacting the FCA at 00 Xxx Xxxxx Xxxxxxxxx, Xxxxxx Xxxxx, Xxxxxx, X00 0XX or telephone 0000 000 0000 (free phone)

Cancellation Rights. The In most cases you can exercise a right to cancel by withdrawing from the contract. In general terms you will normally have a 30 day cancellation rights period for each individual a life, pure protection, payment protection or pension policy you have been advised on will be explained to you in your suitability report which we will give you before or at and a 14 day cancellation period for all other policies. For pure protection policies the time you confirm or carry out the transaction. Where cancellation is requested within start of the cancellation period will normally begin when you are informed that the contract has been concluded or, if later, when you have received the contractual terms and conditions. In other cases, the cancellation period will begin on the day the contract is concluded or, if later, the day on which you receive the contractual terms and conditions. Instructions for exercising the right to cancel, if applicable, will be contained in the relevant product disclosure information which will be issued to you. If you cancel a single premium contract, you may be required to pay for any loss you might reasonably incur in cancelling it which is caused by market movements. This means that, in certain circumstances, you might not get back the full amount you invested if you cancel the policy. Additional protection Xxxxxx Square Financial Management Ltd is authorised and regulated by the Financial Conduct Authority (‘FCA’), 25 The North Colonnade, Canary Wharf, London, E14 5HS. Our Financial Services (‘FS’) Register number is 572966. Our permitted business is advising on and arranging pensions, savings and investment products and non-investment insurance contracts. You can check this on the FS Register by visiting the FCA’s website xxx.xxx.xxx.xx/xxxxx/xxxxxxx-xxxxxxxxx/xxxxxxxx or by contacting the FCA on 0800 111 6768. In the event that you are dissatisfied with a recommendation we will instruct have made you may be entitled to make a complaint. We have a complaints procedure that is available on request. If you wish to register a complaint, please contact us: In writing: Write to The Compliance Officer, Xxxxxx Square Financial Management Ltd, Xxxxxx Square, 0x Xxxxxx Xxxxxx, Nottingham, NG1 3BE By phone: Telephone +00 (0)000 000 0000 By e-mail: xxxxxx@xxxxxx-xxxxxx.xx.xx For your further protection if you cannot settle your complaint with us, you may be entitled to refer it to the provider Financial Ombudsman Service (‘FOS’). We are covered by the Financial Services Compensation Scheme (‘FSCS’). You may be entitled to refund compensation from the proceeds net/gross scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the adviser charging agreedclaim. MATERIAL INTERESTS Investments - most types of investment business are covered for 100% of a claim up to a maximum of £85,000. Insurance - advising and arranging is covered for 90% of the claim, without any upper limit. Further information about compensation scheme arrangements is available from the FSCS at xxx.xxxx.xxx.xx/xxxxxxxx. Please be assured we treat complaints very seriously. Conflict of interests We are not connected will endeavour always to any product provideract in the best interests of you our client. However, but occasions circumstances can arise where we, we or one of our other customers, will clients may have some form of interest in business, which we are transacting business being transacted for you. If this happens, happens or we become aware that our interests or those of one of our other customers clients’ conflict with your interests, we will inform write to you in writing and obtain your consent before we carry out your instructions. There may be occasions when instructions and detail the steps we will be unable to act for one of the parties. As a consequence of such potential conflicts arising, we have put arrangements in place take to ensure fair treatment. Other benefits we may receive From time to time we may attend training events funded and /or delivered by product providers, fund managers and platforms. These events are designed to enhance our clients knowledge and ultimately therefore enhance the quality of service we provide to our clients. Further details are treated fairly. We have also implemented a conflicts of interest policy to help us manage such risks, which you may access available on request. Risk Warnings Relevant risk warnings will be advised to you throughout the financial planning process and in your suitability report. For mortgages please be aware that your home may be repossessed if you do not keep up repayments on your mortgage. For insurance products, your insurance policy may lapse if you do not keep up to date with regular premium payments and you may not be covered if a claim is made. Termination of Authority You or we may terminate our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees which may be outstanding. Anti Money Laundering We are required to verify your identity in accordance with the Proceeds of Crime Xxx 0000 and the Money Laundering Regulations 2007. We reserve the right to approach third parties and to delay any applications until adequate verification of identity has been obtained. Governing Law & Jurisdiction LIABILITY You agree to indemnify us in relation to any acts; proceedings or claims which we incur directly or indirectly as a result of our acting under this agreement save that this indemnity shall not apply to the extent it arises out of our negligence, fraud, breach of this agreement or our regulatory responsibilities. We reserve the right to amend this agreement at our discretion where changes in regulation or law necessitate by giving you notice in writing. You will also be given the option to accept our new agreements or terminate our authority. This agreement shall be governed by and construed according to English/Scottish law (delete as appropriate). Any disputes shall be determined in the jurisdiction of the English/Scottish Courts (delete as appropriate). Where a formal written notice is required by this agreement then it shall be in writing (not email unless agreed in advance by the parties) and sent by first class post and deemed effective two business days after posting. Client’s Consent This is our standard client agreement upon which we intend to rely. For your own benefit and protection you should read these terms carefully before signing them. If you do not understand any point please ask for further information. I/We understand and consent to the terms of this client agreement and I/We hereby authorise the transfer of information, as described above, on a confidential basis when warranted between such third parties. I/We authorise you to liaise with My/Our other professional advisers in exchanging relevant personal information pertinent to my/our financial planning requirements and to rely on any such information provided. I/We agree that this Client Agreement will come into effect from the date below. Please tick this box if you do not wish for us or any company associated with us to contact you for marketing purposes by e-mail, telephone, post or SMS. Client Name(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Client signature(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Date .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Signed for and on behalf of the firm: Adviser .. .. .. .. .. .. .. .. .. .. .. .. Signature .. .. .. .. .. .. .. .. .. .. .. .. Date of issue .. .. .. .. .. .. .. .. .. .. .. ...

Cancellation Rights.  The cancellation rights for each individual policy you have been advised on will be explained to you in your suitability report which we will give you before or at the time you confirm or carry out the transaction. Where the provider is already in receipt of the investment proceeds and cancellation is requested within the cancellation period we will instruct the provider to refund the proceeds net/gross of the adviser charging agreed. MATERIAL INTERESTS We are not connected to any product provider, but occasions Material Interests & Conflicts of Interest  Occasions can arise where we, or one of our other customers, will have some form of interest in business, which we are transacting for you. If this happens, or we become aware that our interests or those of one of our other customers conflict with your interests, we will inform you in writing and obtain your consent before we carry out your instructions. There may be occasions when we will be unable to act for one of the parties. As a consequence of such potential conflicts arising, we have put arrangements in place to ensure all our clients are treated fairly. We have also implemented a conflicts of interest policy to help us to all appropriate steps to manage such risks. While we take all appropriate steps to mitigate such risks, which if we are unable to mitigate the risks from a potential conflict, before we undertake any actions on your behalf we will inform you in writing with; • A specific description of the conflicts that has arisen. • A clear documented statement of the steps the firm has taken to prevent theconflict. • An explanation of the remaining risks that are posed to yourinterest.  We may access give or receive minor non-monetary benefits to/from some of the firms with whom we work in order to offer you a better service. Such benefits may include information relating to financial instruments or investment services; participation in conferences, seminars and training events; and minor hospitality (such as food and drink during a business meeting, conference, seminar or training event). Any costs we incur in provision of such benefits will not affect the charges you pay for our service. Further information regarding these arrangements is available on request. Risk Warnings  Relevant risk warnings will be advised to you throughout the financial planning process and in your suitability report. For mortgages please The value of investments may go down as well as up, and you may not get back the amount invested. Levels of income from investments may fluctuate. We cannot be aware that your home held liable for any depreciation in the value of investments arranged for you. Non-readily realisable investments will generally have a restricted market, and therefore it may be repossessed if you do not keep up repayments on your mortgagedifficult to deal in that investment or to obtain reliable information about its value. For insurance products, your insurance policy may lapse if you do not keep up to date with regular premium payments and you may not be covered if a claim is made. Termination of Authority  You or we may terminate our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees which may be outstanding. Anti ~ Anti-Money Laundering compliance  We are required to verify your identity in accordance with the Proceeds of Crime Xxx 0000 and the Money Laundering Regulations 2007. We reserve the right to approach third parties and to delay any applications until adequate verification of identity has been obtainedbeenobtained. Governing Law & Jurisdiction LIABILITY  We may periodically verify your details electronically and / or request up to date documentary evidence.  We may from time to time ask for an explanation of the source of wealth and request supporting documentation before we can act or continue to act for you.  You agree to indemnify us in relation to any acts; proceedings or claims which we incur directly or indirectly as a result of our acting under this agreement save that this indemnity shall not apply to the extent it arises out of our negligence, fraud, breach of this agreement or our regulatory responsibilities. We reserve the right to amend this agreement at our discretion where changes in regulation or law necessitate by giving you notice in writing. You will also be given the option to accept our new agreements or terminate our authority. This agreement shall be governed by and construed according to English/Scottish law (delete as appropriate). Any disputes shall be determined in the jurisdiction of the English/Scottish Courts (delete as appropriate). Where a formal written notice is required by this agreement then it shall be in writing (not email unless agreed in advance by the parties) and sent by first class post and deemed effective two business days after posting. Client’s Consent This is our standard client agreement upon which we intend to rely. For your own benefit and protection you should read these terms carefully before signing them. If you do not understand any point please ask for further information. I/We understand and consent to the terms of this client agreement and I/We hereby authorise the transfer of information, as described above, on a confidential basis when warranted between such third parties. I/We authorise you to liaise with My/Our other professional advisers in exchanging relevant personal information pertinent to my/our financial planning requirements and to rely on any such information provided. I/We agree that this Client Agreement will come into effect from the date below. Please tick this box if you do not wish for us or any company associated with us to contact you for marketing purposes by e-mail, telephone, post or SMS. Client Name(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Client signature(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Date .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Signed for and on behalf of the firm: Adviser .. .. .. .. .. .. .. .. .. .. .. .. Signature .. .. .. .. .. .. .. .. .. .. .. .. Date of issue .. .. .. .. .. .. .. .. .. .. .. ..recording telephone calls.

Cancellation Rights. The cancellation rights You have a right to cancel most investment and non-investment insurance contracts provided that you notify the provider of your wish to cancel the contract within: • 30 days (for each individual policy most investment and protection contracts), or • 14 days (for unit trusts and most general insurance contracts). Where you have been advised on will be explained a right to you in cancel your suitability report which we purchase, the product provider will give you before or at the time you confirm or carry out the transactiondetails of this in writing. Where For certain products where cancellation is requested within not feasible, you will instead have an opportunity to withdraw from the cancellation period contract before it is put into effect. If you do cancel a contract, we have arranged or advised upon: • the fees previously agreed for the work will instruct still be payable by you, or • where it had been agreed that our costs would be paid by way of adviser charge payable by the provider to refund the proceeds net/gross of the adviser charging agreed. MATERIAL INTERESTS We are not connected to any product provider, but occasions can arise where wewe will invoice you for the equivalent amount as a fee, or one of our other customers• if we would have received commission for a non-investment insurance product, we will render an invoice for the lower of: o the commission we would have some form of interest in businessreceived had you not cancelled and o the time incurred on the work, which based on the rates set out above for arranging an ISA investment. Ongoing Reviews When we are transacting have arranged a product for you. If this happens, we will not give you any further advice in relation to it unless you ask us to, or we become aware that our interests have agreed to undertake a regular review as part of the relevant assignment. However, we may contact you shortly before the contract is due to expire (or those of one of our other customers conflict with your interestsbecomes subject to renewal) to discuss its renewal, if appropriate. Of course, we will inform also be glad to advise you in writing and obtain your consent before at any time, if you ask us to do so, subject to agreeing a fee for the work. Ownership of products As intermediaries we carry out your instructionsnever own any products you buy or transact through us. There may be occasions when we All purchases will be unable to act for one of the parties. As a consequence of such potential conflicts arising, we have put arrangements in place to ensure our clients are treated fairly. We have also implemented a conflicts of interest policy to help us manage such risks, which you may access on request. Risk Warnings Relevant risk warnings will be advised to you throughout the financial planning process and registered in your suitability report. For mortgages please be aware that your home may be repossessed if name (or in joint names where you do not keep up repayments on your mortgage. For insurance products, your insurance policy may lapse if you do not keep up to date with regular premium payments and you may not be covered if a claim is made. Termination of Authority You or we may terminate our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to this client agreement so instruct) unless otherwise agreed in writing. You We will be liable forward to pay for any transactions made prior to termination and any fees which may be outstanding. Anti Money Laundering We are required to verify you all documents showing ownership of your identity in accordance with the Proceeds of Crime Xxx 0000 and the Money Laundering Regulations 2007. We reserve the right to approach third parties and to delay any applications until adequate verification of identity has been obtained. Governing Law & Jurisdiction LIABILITY You agree to indemnify us in relation to any acts; proceedings or claims which purchases as soon as it is practical after we incur directly or indirectly as a result of our acting under this agreement save that this indemnity shall not apply to the extent it arises out of our negligence, fraud, breach of this agreement or our regulatory responsibilities. We reserve the right to amend this agreement at our discretion where changes in regulation or law necessitate by giving you notice in writing. You will also be given the option to accept our new agreements or terminate our authority. This agreement shall be governed by and construed according to English/Scottish law (delete as appropriate). Any disputes shall be determined in the jurisdiction of the English/Scottish Courts (delete as appropriate)receive them. Where a formal written notice number of documents relating to a series of transactions are involved, we may retain each document until the series is required by this agreement complete and then it shall forward them all to you in one go. In some cases, the documentation will be in writing (not email unless agreed in advance by the parties) and sent by first class post and deemed effective two business days after posting. Client’s Consent This is our standard client agreement upon which we intend to rely. For your own benefit and protection you should read these terms carefully before signing them. If you do not understand any point please ask for further information. I/We understand and consent to the terms of this client agreement and I/We hereby authorise the transfer of information, as described above, on a confidential basis when warranted between such third parties. I/We authorise you to liaise with My/Our other professional advisers in exchanging relevant personal information pertinent to my/our financial planning requirements and to rely on any such information provided. I/We agree that this Client Agreement will come into effect direct from the date below. Please tick this box if you do not wish for us or any company associated with us to contact you for marketing purposes by e-mail, telephone, post or SMS. Client Name(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Client signature(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Date .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Signed for and on behalf of the firm: Adviser .. .. .. .. .. .. .. .. .. .. .. .. Signature .. .. .. .. .. .. .. .. .. .. .. .. Date of issue .. .. .. .. .. .. .. .. .. .. .. ..product provider.

Cancellation Rights. The cancellation rights for each individual policy you have been advised on will be explained to you in your suitability report which we will give you by our supportive concerned web-based administrator before or at the time you confirm or carry out the transaction. Where cancellation is requested within the cancellation period we will instruct the provider to refund the proceeds net/gross of the adviser charging agreed. MATERIAL INTERESTS We are not connected to any product provider, but occasions can arise where we, or one of our other customers, will have some form of interest in business, which we are transacting for you. If this happens, or we become aware that our interests or those of one of our other customers customer's conflict with your interests, we will inform you in writing and obtain your consent before we carry out your instructions. There may be occasions when we will be unable to act for one of the parties. As a consequence of such potential conflicts arising, we have put arrangements in place to ensure our clients are treated fairly. We have also implemented a conflicts of interest policy to help us manage such risks, which you may access on request. Risk Warnings Where an advisory firm works in a partnership with a discretionary manager, appropriate agreements must be in place. Should a recommendation be made to appoint UST to act as a discretionary manager for any proposed investment a formal discretionary management agreement will be required that sets out how your investments will be managed. UST will be responsible for the suitability of the advice. We recognize the potential conflict of interest operating within a group structure, and maintain robust systems and controls to mitigate the risks. Where a platform/custodian is used their particular terms and conditions will be provided or available upon request. RISK WARNINGS Relevant risk warnings will be advised to you throughout the financial planning process and in maybe, your suitability report. The value of investments may go down as well as up, and you may not get back the amount invested. Levels of income from investments may fluctuate. We cannot be held liable for any depreciation in the value of investments arranged for you. Non- readily realizable investments will generally have a restricted market, and therefore it may be difficult to deal in that investment or to obtain reliable information about its value. For mortgages please be aware that your home may be repossessed if you do not keep up repayments on your mortgage. For insurance products, your insurance policy may lapse if you do not keep up to date with regular premium payments and you may not be covered if a claim is made. Termination of Authority You Again, we require our clients to give us instructions in writing, or we may terminate confirm our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees which may be outstanding. Anti Money Laundering We are required to verify your identity in accordance with the Proceeds of Crime Xxx 0000 and the Money Laundering Regulations 2007. We reserve the right to approach third parties and to delay any applications until adequate verification of identity has been obtained. Governing Law & Jurisdiction LIABILITY You agree to indemnify us in relation to any acts; proceedings or claims which we incur directly or indirectly as a result of our acting under this agreement save that this indemnity shall not apply to the extent it arises out of our negligence, fraud, breach of this agreement or our regulatory responsibilities. We reserve the right to amend this agreement at our discretion where changes in regulation or law necessitate by giving you notice in writing. You will also be given the option to accept our new agreements or terminate our authority. This agreement shall be governed by and construed according to English/Scottish law (delete as appropriate). Any disputes shall be determined in the jurisdiction of the English/Scottish Courts (delete as appropriate). Where a formal written notice is required by this agreement then it shall be understanding in writing (not email unless agreed in advance by the parties) and sent by first class post and deemed effective two business days after posting. Client’s Consent This is our standard client agreement upon which we intend to rely. For your own benefit and protection you should read these terms carefully before signing them. If you do not understand any point please ask for further information. I/We understand and consent to the terms of this client agreement and I/We hereby authorise the transfer of information, as described above, on a confidential basis when warranted between such third parties. I/We authorise you to liaise with My/Our other professional advisers in exchanging relevant personal information pertinent to my/our financial planning requirements and to rely on any such information provided. I/We agree that this Client Agreement will come into effect from the date below. Please tick this box if you do not wish for us or any company associated with us to contact you for marketing purposes by e-mail, telephone, post or SMS. Client Name(sby email) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Client signature(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Date .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Signed for and on behalf of the firm: Adviser .. .. .. .. .. .. .. .. .. .. .. .. Signature .. .. .. .. .. .. .. .. .. .. .. .. Date of issue .. .. .. .. .. .. .. .. .. .. .. ..in order to avoid possible disputes.

Cancellation Rights. The cancellation rights for each individual policy you have been advised on will be explained to you in your suitability report which we will give you before or at the time you confirm or carry out the transaction. Where the provider is already in receipt of the investment proceeds and cancellation is requested within the cancellation period we will instruct the provider to refund the proceeds net/gross of the adviser charging agreed. MATERIAL INTERESTS We are not connected to any product provider, but occasions material interests/conflict of Interests Occasions can arise where we, or one of our other customers, will have some form of interest in business, which we are transacting for you. If this happens, or we become aware that our interests or those of one of our other customers conflict with your interests, we will inform you in writing and obtain your consent before we carry out your instructions. There may be occasions when we will be unable to act for one of the parties. As a consequence of such potential conflicts arising, we have put arrangements in place to ensure all our clients are treated fairly. We have also implemented a conflicts of interest policy to help us to all appropriate steps to manage such risks. While we take all appropriate steps to mitigate such risks, which if we are unable to mitigate the risks from a potential conflict, before we undertake any actions on your behalf we will inform you may access on requestin writing with; A specific description of the conflicts that has arisen. A clear documented statement of the steps the firm has taken to prevent the conflict. An explanation of the remaining risks that are posed to your interest. Risk Warnings Relevant risk warnings will be advised to you throughout the financial planning process and in your suitability report. The value of investments may go down as well as up, and you may not get back the amount invested. Levels of income from investments may fluctuate. We cannot be held liable for any depreciation in the value of investments arranged for you. Non-readily realisable investments will generally have a restricted market, and therefore it may be difficult to deal in that investment or to obtain reliable information about its value. For mortgages mortgages, please be aware that your home may be repossessed if you do not keep up repayments on your mortgage. For insurance products, your insurance policy may lapse if you do not keep up to date with regular premium payments and you may not be covered if a claim is made. Termination of Authority You or we may terminate our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees which may be outstanding. Anti Data Protection We are an appointed representative of Sanlam Partnerships Limited (“Sanlam”) which is authorised and regulated by the Financial Conduct Authority (“FCA”). In order to assist Sanlam to comply with its legal and regulatory obligations as our principal we may share your personal data with Sanlam so it can comply with its legal and regulatory obligations; undertake compliance monitoring; deal with complaints; report internally within its group; respond to any FCA queries; liaise with its insurers; undertake audits; and where required by law to respond to enquiries from law enforcement agencies and government bodies. We have entered into an agreement with Sanlam which governs how the data may be shared and which ensures there are appropriate safeguards, in accordance with the applicable data protection laws. We can provide a copy of this agreement on written request. In the course of providing our services we will receive information from and about you. Sanlam Partnerships Limited and Base Financial Ltd are each regarded as a data controller within the meaning of the applicable data protection laws including, but not limited to, the General Data Protection Regulation (Regulation EU 2016/679) which means we are responsible for deciding how we hold and use your personal data. We summarise the key aspects of our privacy statement below however please see our Base Financial Ltd Privacy Statement which is available from us. If you would like a written copy please write to Data Protection, Base Financial Ltd, 000 Xxxx Xxxxxx, Xxxxxxxxx, Xxxx, XX0 0XX, or you can also contact us by telephone on 00000 000000, Monday to Friday between 9am to 5pm (excluding Bank Holidays). The firm’s Privacy Statement explains how we will use your personal data, which will usually be: to perform the contract we have entered into with you; to comply with a legal obligation; where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests; where we have obtained your explicit written consent to do so. The firm’s Privacy Statement also explains: the kind of personal data we may hold about you, including sensitive or ‘special’ personal data such as health information; how we may collect your personal data, including where we may receive it from third parties; when and why might we share your personal data with third parties including third party service providers, other Sanlam group companies and regulatory authorities; the conditions under which we transfer personal data outside the EEA to ensure the ongoing security of your personal data; how long we will retain your information for, or the criteria we apply to determine any retention periods; and your rights in connection with personal data, including your right to complain Anti-Money Laundering We are required to verify your identity in accordance with the Proceeds of Crime Xxx 0000 and the Money Laundering Regulations 2007. We reserve the right to approach third parties and to delay any applications until adequate verification of identity has been obtained. Governing Law & Jurisdiction LIABILITY You agree to indemnify us in relation to any acts; , proceedings or claims which we incur directly or indirectly as a result of our acting under this agreement save that this indemnity shall not apply to the extent it arises out of our negligence, fraud, breach of this agreement or our regulatory responsibilities. We reserve the right to amend this agreement at our discretion where changes in regulation or law necessitate by giving you notice in writing. You will also be given the option to accept our new agreements or terminate our authority. This agreement shall be governed by and construed according to English/Scottish law (delete as appropriate)English law. Any disputes shall be determined in the jurisdiction of the English/Scottish Courts (delete as appropriate)English Courts. Where a formal written notice is required by this agreement then it shall be in writing (not email unless agreed in advance by the parties) and sent by first class post and deemed effective two business days after posting. Client’s Consent This is our standard client agreement upon which we intend to rely. For your own benefit and protection you should read these terms carefully before signing them. If you do not understand any point please ask for further information. CLIENT CONSENT FORM I/We understand we confirm that I/we have read and consent retained a copy of the Base Financial Ltd Client Agreement and have been given the opportunity to have any questions I/we may have concerning the terms of this client agreement and I/We hereby authorise conditions contained in the transfer of information, as described above, on a confidential basis when warranted between such third parties. I/We authorise you to liaise with My/Our other professional advisers in exchanging relevant personal information pertinent Base Financial Ltd Client Agreement answered to my/our financial planning requirements and to rely on any such information providedsatisfaction. DATA PROTECTION I/We agree that confirm I/we have read and retained a copy of the Base Financial Privacy Statement. We are required to have regard to a client’s best interest in any advice given and must do our utmost to ensure we are aware of your personal and financial circumstances so our advice is suitable for your needs, by identifying your personal and financial objectives, current financial situation, risk profile and specific investment and protection needs, as applicable. The information you provide to us, for example in a questionnaire or fact find, may include sensitive (or ‘special’) personal data, such as health information. We require your consent to use such information (except in limited cases where there is another legal basis we may rely on as explained in our Privacy Statement). You do not have to consent to us using this Client Agreement will come into effect from the date below. Please tick this box information but if you do not wish consent (or you withdraw your consent, which you are entitled to do) we are unlikely to be able to provide our services where we need to rely on such information. Consent to Processing of Sensitive (or ‘Special’) Personal Data I/we consent to Base Financial Ltd processing my/our sensitive personal data (such as information regarding my/our health (mental or physical), sexual orientation, racial or ethnic group) and/or information concerning criminal offences or proceedings I/we provide to enable Base Financial Ltd to comply with its legal and regulatory obligations under the Base Financial Ltd Client Agreement which includes: preparing and implementing my/our financial advice (which may involve sharing my/our information with other financial services providers); ensuring that the investment advice or financial products or services recommended to me/us are appropriate to my/our investment objectives, financial situation and particular needs; enable Base Financial Ltd to communicate with me/us appropriately about my/our financial advice and any product or service that Base Financial Ltd supplies to me / us. First / Sole Client I consent to Base Financial Ltd processing my sensitive personal data for us or any company associated with us to contact you for marketing purposes by e-mail, telephone, post or SMSthe purpose described above. Client Name(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Client signature(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Date .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Signed for and on behalf of the firm: Adviser .. .. .. .. .. .. .. .. .. .. .. .. Signature .. .. .. .. .. .. .. .. .. .. .. .. Date of issue .. .. .. .. .. .. .. .. .. .. .. ..Second Client

Cancellation Rights. The In most cases you can exercise a right to cancel by withdrawing from the contract. In general terms you will normally have a 30 day cancellation rights period for each individual a life, pure protection, payment protection or pension policy you have been advised on will be explained to you in your suitability report which we will give you before or at and a 14 day cancellation period for all other policies. For pure protection policies the time you confirm or carry out the transaction. Where cancellation is requested within start of the cancellation period we will instruct normally begin when you are informed that the provider contract has been concluded or, if later, when you have received the contractual terms and conditions. In other cases, the cancellation period will begin on the day the contract is concluded or, if later, the day on which you receive the contractual terms and conditions. Instructions for exercising the right to refund cancel, if applicable, will be contained in the proceeds net/gross relevant product disclosure information which will be issued to you. If you cancel a single premium contract, you may be required you to pay for any loss you might reasonably incur in cancelling it which is caused by market movements. This means that, in certain circumstances, you might not get back the full amount you invested if you cancel the policy. CONFLICTS OF INTEREST MK Financial Planning Ltd offer independent advice and will endeavour always to act in the best interests of the adviser charging agreedyou our client. MATERIAL INTERESTS We are not connected to any product provider, but But occasions can arise where we, we or one of our other customers, will cli- ents may have some form of interest in business, which we are transacting business being transacted for you. If this happens, happens or we become aware that our interests or those of one of our other customers clients conflict with your interestsin- terests, we will inform write to you in writing and obtain your consent before we carry out your instructions. There may be occasions when , and detail the steps we will be unable take to act for one of the partiesensure fair treatment. As a consequence of such potential conflicts of interests arising, we have put arrangements in place to ensure our clients are treated fairly. We have also implemented a conflicts Conflicts of interest policy In- terest Policy to help us manage such risks, which you may access upon request. Other benefits we may receive From time to time we may attend training events funded and /or delivered by product pro- viders, fund managers and platforms. These events are designed to enhance our knowledge and ultimately therefore enhance the quality of service we provide to our clients. Further de- tails are available on request. Risk Warnings Relevant risk warnings will be advised to you throughout the financial planning process and in your suitability report. For mortgages please be aware that your home may be repossessed if you do not keep up repayments on your mortgage. For insurance products, your insurance policy may lapse if you do not keep up to date with regular premium payments and you may not be covered if a claim is made. Termination of Authority You or we may terminate our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees which may be outstanding. Anti Money Laundering We are required to verify your identity in accordance with the Proceeds of Crime Xxx 0000 and the Money Laundering Regulations 2007. We reserve the right to approach third parties and to delay any applications until adequate verification of identity has been obtained. Governing Law & Jurisdiction LIABILITY You agree to indemnify us in relation to any acts; proceedings or claims which we incur directly or indirectly as a result of our acting under this agreement save that this indemnity shall not apply to the extent it arises out of our negligence, fraud, breach of this agreement or our regulatory responsibilities. We reserve the right to amend this agreement at our discretion where changes in regulation or law necessitate by giving you notice in writing. You will also be given the option to accept our new agreements or terminate our authority. This agreement shall be governed by and construed according to English/Scottish law (delete as appropriate). Any disputes shall be determined in the jurisdiction of the English/Scottish Courts (delete as appropriate). Where a formal written notice is required by this agreement then it shall be in writing (not email unless agreed in advance by the parties) and sent by first class post and deemed effective two business days after posting. Client’s Consent This is our standard client agreement upon which we intend to rely. For your own benefit and protection you should read these terms carefully before signing them. If you do not understand any point please ask for further information. I/We understand and consent to the terms of this client agreement and I/We hereby authorise the transfer of information, as described above, on a confidential basis when warranted between such third parties. I/We authorise you to liaise with My/Our other professional advisers in exchanging relevant personal information pertinent to my/our financial planning requirements and to rely on any such information provided. I/We agree that this Client Agreement will come into effect from the date below. Please tick this box if you do not wish for us or any company associated with us to contact you for marketing purposes by e-mail, telephone, post or SMS. Client Name(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Client signature(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Date .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Signed for and on behalf of the firm: Adviser .. .. .. .. .. .. .. .. .. .. .. .. Signature .. .. .. .. .. .. .. .. .. .. .. .. Date of issue .. .. .. .. .. .. .. .. .. .. .. ...

Cancellation Rights. The cancellation rights for each individual policy you have been advised on will be explained to you in your suitability report which we will give you before or at the time you confirm or carry out the transaction. Where the provider is already in receipt of the investment proceeds and cancellation is requested within the cancellation period we will instruct the provider to refund the proceeds net/gross of the adviser charging agreed. MATERIAL INTERESTS Material Interests We are not connected to any product provider, but occasions can arise where we, or one of our other customers, will have some form of interest in business, which we are transacting for you. If this happens, or we become aware that our interests or those of one of our other customers conflict with your interests, we will inform you in writing and obtain your consent before we carry out your instructions. There may be occasions when we will be unable to act for one of the parties. As a consequence of such potential conflicts arising, we have put arrangements in place to ensure our clients are treated fairly. We have also implemented a conflicts of interest policy to help us manage such risks, which you may access on request. Risk Warnings Relevant risk warnings will be advised to you throughout the financial planning process and in your suitability report. For mortgages please The value of investments may go down as well as up, and you may not get back the amount invested. Levels of income from investments may fluctuate. We cannot be aware that your home held liable for any depreciation in the value of investments arranged for you. Non-readily realisable investments will generally have a restricted market, and therefore it may be repossessed if you do not keep up repayments on your mortgagedifficult to deal in that investment or to obtain reliable information about its value. For insurance products, your insurance policy may lapse if you do not keep up to date with regular premium payments and you may not be covered if a claim is made. Termination of Authority You or we may terminate our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees which may be outstanding. Anti Money Laundering We are required to verify your identity in accordance with the Proceeds of Crime Criminal Finances Xxx 0000 and the Sanctions and Money Laundering Regulations 2007Xxx 0000. We reserve the right to approach third parties and to delay any applications until adequate verification of identity has been obtained. Governing Law & Jurisdiction LIABILITY You agree to indemnify us in relation to any acts; proceedings or claims which we incur directly or indirectly as a result of our acting under this agreement save that this indemnity shall not apply to the extent it arises out of our negligence, fraud, breach of this agreement or our regulatory responsibilities. We reserve the right to amend this agreement at our discretion where changes in regulation or law necessitate by giving you notice in writing. You will also be given the option to accept our new agreements or terminate our authority. This agreement shall be governed by and construed according to English/Scottish law (delete as appropriate). Any disputes shall be determined in the jurisdiction of the English/Scottish Courts (delete as appropriate). Where a formal written notice is required by this agreement then it shall be in writing (not email unless agreed in advance by the parties) and sent by first class post and deemed effective two business days after posting. Client’s Consent This is our standard client agreement upon which we intend to rely. For your own benefit and protection you should read these terms carefully before signing them. If you do not understand any point please ask for further information. I/We understand and consent to the terms of this client agreement and I/We hereby authorise the transfer of information, as described above, on a confidential basis when warranted between such third parties. I/We authorise you to liaise with My/Our other professional advisers in exchanging relevant personal information pertinent to my/our financial planning requirements and to rely on any such information provided. I/We agree that this Client Agreement will come into effect from the date below. Please tick this box if you do not wish for us or any company associated with us to contact you for marketing purposes by e-mail, telephone, post or SMS. Client Name(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Client signature(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Date .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Signed for and on behalf of the firm: Adviser .. .. .. .. .. .. .. .. .. .. .. .. Signature .. .. .. .. .. .. .. .. .. .. .. .. Date of issue .. .. .. .. .. .. .. .. .. .. .. ..Jurisdiction

Cancellation Rights. The In most cases you can exercise a right to cancel by withdrawing from the contract. In general terms you will normally have a 30 day cancellation rights period for each individual a life, pure protection, payment protection or pension policy you have been advised on will be explained to you in your suitability report which we will give you before or at and a 14 day cancellation period for all other policies. For pure protection policies the time you confirm or carry out the transaction. Where cancellation is requested within start of the cancellation period will normally begin when you are informed that the contract has been concluded or, if later, when you have received the contractual terms and conditions. In other cases, the cancellation period will begin on the day the contract is concluded or, if later, the day on which you receive the contractual terms and conditions. Instructions for exercising the right to cancel, if applicable, will be contained in the relevant product disclosure information which will be issued to you. If you cancel a single premium contract, you may be required you to pay for any loss you might reasonably incur in cancelling it which is caused by market movements. This means that, in certain circumstances, you might not get back the full amount you invested if you cancel the policy. Additional protection CBW Financial Planning is authorised and regulated by the Financial Services Authority (‘FSA’), 25 The North Colonnade, Canary Wharf, London, E14 5HS. Our FSA Register number is 182357. Our permitted business is advising on and arranging pensions, savings and investment products and non-investment insurance contracts. You can check this on the FSA’s Register by visiting the FSA’s website xxx.xxx.xxx.xx/xxxxxxxx or by contacting the FSA on 0845 606 1234. In the event that you are dissatisfied with a recommendation we will instruct have made you may be entitled to make a complaint. We have a complaints procedure that is available on request. If you wish to register a complaint, please contact us: In writing: Write to The Compliance Officer, CBW Financial Planning, Enterprise House, 00 Xxxxxx Xxxxxx, Xxxxxx, X0 0XX By phone: Telephone +00 (0)00 0000 0000 By e-mail: xxxxxx.xxxxxx@xxx.xx.xx For your further protection if you cannot settle your complaint with us, you may be entitled to refer it to the provider Financial Ombudsman Service (‘FOS’). We are covered by the Financial Services Compensation Scheme (‘FSCS’). You may be entitled to refund compensation from the proceeds net/gross scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the adviser charging agreedclaim. MATERIAL INTERESTS Investments - most types of investment business are covered for up to a maximum of £50,000. Insurance - advising and arranging is covered for 90% of the claim, without any upper limit. Further information about compensation scheme arrangements is available from the FSCS at xxx.xxxx.xxx.xx/xxxxxxxx. Please be assured we treat complaints very seriously. Conflict of interests We are not connected will endeavour always to any product provideract in the best interests of you our client. However, but occasions circumstances can arise where we, we or one of our other customers, will clients may have some form of interest in business, which we are transacting business being transacted for you. If this happens, happens or we become aware that our interests or those of one of our other customers clients conflict with your interests, we will inform write to you in writing and obtain your consent before we carry out your instructions. There may be occasions when , and detail the steps we will be unable to act for one of the parties. As a consequence of such potential conflicts arising, we have put arrangements in place take to ensure fair treatment. Loans and ownership Xxxxxx Xxxxxx Winter LLP owns 100% of our clients share capital. Other benefits we may receive From time to time we may attend training events funded and /or delivered by product providers, fund managers and platforms. These events are treated fairlydesigned to enhance our knowledge and ultimately therefore enhance the quality of service we provide to our clients. We have also implemented a conflicts of interest policy to help us manage such risks, which you may access Further details are available on request. Risk Warnings Relevant risk warnings will be advised to you throughout the financial planning process and in your suitability report. For mortgages please be aware that your home may be repossessed if you do not keep up repayments on your mortgage. For insurance products, your insurance policy may lapse if you do not keep up to date with regular premium payments and you may not be covered if a claim is made. Termination of Authority You or we may terminate our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees which may be outstanding. Anti Money Laundering We are required to verify your identity in accordance with the Proceeds of Crime Xxx 0000 and the Money Laundering Regulations 2007. We reserve the right to approach third parties and to delay any applications until adequate verification of identity has been obtained. Governing Law & Jurisdiction LIABILITY You agree to indemnify us in relation to any acts; proceedings or claims which we incur directly or indirectly as a result of our acting under this agreement save that this indemnity shall not apply to the extent it arises out of our negligence, fraud, breach of this agreement or our regulatory responsibilities. We reserve the right to amend this agreement at our discretion where changes in regulation or law necessitate by giving you notice in writing. You will also be given the option to accept our new agreements or terminate our authority. This agreement shall be governed by and construed according to English/Scottish law (delete as appropriate). Any disputes shall be determined in the jurisdiction of the English/Scottish Courts (delete as appropriate). Where a formal written notice is required by this agreement then it shall be in writing (not email unless agreed in advance by the parties) and sent by first class post and deemed effective two business days after posting. Client’s Consent This is our standard client agreement upon which we intend to rely. For your own benefit and protection you should read these terms carefully before signing them. If you do not understand any point please ask for further information. I/We understand and consent to the terms of this client agreement and I/We hereby authorise the transfer of information, as described above, on a confidential basis when warranted between such third parties. I/We authorise you to liaise with My/Our other professional advisers in exchanging relevant personal information pertinent to my/our financial planning requirements and to rely on any such information provided. I/We agree that this Client Agreement will come into effect from the date below. Please tick this box if you do not wish for us or any company associated with us to contact you for marketing purposes by e-mail, telephone, post or SMS. Client Name(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Client signature(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Date .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Signed for and on behalf of the firm: Adviser .. .. .. .. .. .. .. .. .. .. .. .. Signature .. .. .. .. .. .. .. .. .. .. .. .. Date of issue .. .. .. .. .. .. .. .. .. .. .. ...

Cancellation Rights. The cancellation rights for each individual policy you have been advised on will be explained to you in your suitability report which we will give you by our supportive concerned web-based administrator before or at the time you confirm confirm or carry out the transaction. Where cancellation is requested within the cancellation period we will instruct the provider to refund the proceeds net/gross of the adviser charging agreed. MATERIAL INTERESTS We are not connected to any product provider, but occasions can arise where we, or one of our other customers, will have some form of interest in business, which we are transacting for you. If this happens, or we become aware that our interests or those of one of our other customers conflict customer’s conflict with your interests, we will inform you in writing and obtain your consent before we carry out your instructions. There may be occasions when we will be unable to act for one of the parties. As a consequence of such potential conflicts conflicts arising, we have put arrangements in place to ensure our clients are treated fairly. We have also implemented a conflicts conflicts of interest policy to help us manage such risks, which you may access on request. Risk Warnings Where an advisory firm works in a partnership with a discretionary manager, appropriate agreements must be in place. Should a recommendation be made to appoint SST to act as a discretionary manager for any proposed investment a formal discretionary management agreement will be required that sets out how your investments will be managed. SST will be responsible for the suitability of the advice. We recognize the potential conflict of interest operating within a group structure, and maintain robust systems and controls to mitigate the risks. Where a platform/custodian is used their particular terms and conditions will be provided or available upon request. RISK WARNINGS Relevant risk warnings will be advised to you throughout the financial financial planning process and in maybe, your suitability report. The value of investments may go down as well as up, and you ma y not get back the a mount invested. Levels of income from investments may fluctuate. We cannot be held liable for any depreciation in the value of investments arranged for you. Non- readily realizable investments will generally have a restricted market, and therefore it ma y be difficult to deal in that investment or to obtain reliable information about its value. For mortgages mortga ges please be aware that your home may ma y be repossessed if you do not keep up repayments on your mortgagemortga ge. For insurance products, your insurance policy may ma y lapse if you do not keep up to date with regular premium payments and you may ma y not be covered if a claim is madema de. Termination of Authority You Again, we require our clients to give us instructions in writing, or we may terminate confirm our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees which may be outstanding. Anti Money Laundering We are required to verify your identity in accordance with the Proceeds of Crime Xxx 0000 and the Money Laundering Regulations 2007. We reserve the right to approach third parties and to delay any applications until adequate verification of identity has been obtained. Governing Law & Jurisdiction LIABILITY You agree to indemnify us in relation to any acts; proceedings or claims which we incur directly or indirectly as a result of our acting under this agreement save that this indemnity shall not apply to the extent it arises out of our negligence, fraud, breach of this agreement or our regulatory responsibilities. We reserve the right to amend this agreement at our discretion where changes in regulation or law necessitate by giving you notice in writing. You will also be given the option to accept our new agreements or terminate our authority. This agreement shall be governed by and construed according to English/Scottish law (delete as appropriate). Any disputes shall be determined in the jurisdiction of the English/Scottish Courts (delete as appropriate). Where a formal written notice is required by this agreement then it shall be understanding in writing (not email unless agreed in advance by the parties) and sent by first class post and deemed effective two business days after posting. Client’s Consent This is our standard client agreement upon which we intend to rely. For your own benefit and protection you should read these terms carefully before signing them. If you do not understand any point please ask for further information. I/We understand and consent to the terms of this client agreement and I/We hereby authorise the transfer of information, as described above, on a confidential basis when warranted between such third parties. I/We authorise you to liaise with My/Our other professional advisers in exchanging relevant personal information pertinent to my/our financial planning requirements and to rely on any such information provided. I/We agree that this Client Agreement will come into effect from the date below. Please tick this box if you do not wish for us or any company associated with us to contact you for marketing purposes by e-mail, telephone, post or SMS. Client Name(sby email) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Client signature(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Date .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Signed for and on behalf of the firm: Adviser .. .. .. .. .. .. .. .. .. .. .. .. Signature .. .. .. .. .. .. .. .. .. .. .. .. Date of issue .. .. .. .. .. .. .. .. .. .. .. ..in order to avoid possible disputes.

Cancellation Rights.  The cancellation rights for each individual policy you have been advised on will be explained to you in your suitability report which we will give you before or at the time you confirm or carry out the transaction. Where the provider is already in receipt of the investment proceeds and cancellation is requested within the cancellation period we will instruct the provider to refund the proceeds net/gross of the adviser charging agreed. MATERIAL INTERESTS/CONFLICT OF INTERESTS We are not connected to any product provider, but occasions  Occasions can arise where we, or one of our other customers, will have some form of interest in business, which we are transacting for you. If this happens, or we become aware that our interests or those of one of our other customers conflict with your interests, we will inform you in writing and obtain your consent before we carry out your instructions. There may be occasions when we will be unable to act for one of the parties. As a consequence of such potential conflicts arising, we have put arrangements in place to ensure all our clients are treated fairly. We have also implemented a conflicts of interest policy to help us to all appropriate steps to manage such risks. While we take all appropriate steps to mitigate such risks, which if we are unable to mitigate the risks from a potential conflict, before we undertake any actions on your behalf we will inform you in writing with;  A specific description of the conflicts that has arisen.  A clear documented statement of the steps the firm has taken to prevent the conflict.  An explanation of the remaining risks that are posed to your interest.  We may access give or receive minor non-monetary benefits to/from some of the firms with whom we work in order to offer you a better service. Such benefits may include information relating to financial instruments or investment services; participation in conferences, seminars and training events; and minor hospitality (such as food and drink during a business meeting, conference, seminar or training event). Any costs we incur in provision of such benefits will not affect the charges you pay for our service. Further information regarding these arrangements is available on request. Risk Warnings RISK WARNINGS  Relevant risk warnings will be advised to you throughout the financial planning process and in your suitability report. For mortgages please The value of investments may go down as well as up, and you may not get back the amount invested. Levels of income from investments may fluctuate. We cannot be aware that your home held liable for any depreciation in the value of investments arranged for you. Non-readily realisable investments will generally have a restricted market, and therefore it may be repossessed if you do not keep up repayments on your mortgagedifficult to deal in that investment or to obtain reliable information about its value. For insurance products, your insurance policy may lapse if you do not keep up to date with regular premium payments and you may not be covered if a claim is made. Termination of Authority You or we may terminate our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees which may be outstanding. Anti Money Laundering We are required to verify your identity in accordance with the Proceeds of Crime Xxx 0000 and the Money Laundering Regulations 2007. We reserve the right to approach third parties and to delay any applications until adequate verification of identity has been obtained. Governing Law & Jurisdiction LIABILITY You agree to indemnify us in relation to any acts; proceedings or claims which we incur directly or indirectly as a result of our acting under this agreement save that this indemnity shall not apply to the extent it arises out of our negligence, fraud, breach of this agreement or our regulatory responsibilities. We reserve the right to amend this agreement at our discretion where changes in regulation or law necessitate by giving you notice in writing. You will also be given the option to accept our new agreements or terminate our authority. This agreement shall be governed by and construed according to English/Scottish law (delete as appropriate). Any disputes shall be determined in the jurisdiction of the English/Scottish Courts (delete as appropriate). Where a formal written notice is required by this agreement then it shall be in writing (not email unless agreed in advance by the parties) and sent by first class post and deemed effective two business days after posting. Client’s Consent This is our standard client agreement upon which we intend to rely. For your own benefit and protection you should read these terms carefully before signing them. If you do not understand any point please ask for further information. I/We understand and consent to the terms of this client agreement and I/We hereby authorise the transfer of information, as described above, on a confidential basis when warranted between such third parties. I/We authorise you to liaise with My/Our other professional advisers in exchanging relevant personal information pertinent to my/our financial planning requirements and to rely on any such information provided. I/We agree that this Client Agreement will come into effect from the date below. Please tick this box if you do not wish for us or any company associated with us to contact you for marketing purposes by e-mail, telephone, post or SMS. Client Name(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Client signature(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Date .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Signed for and on behalf of the firm: Adviser .. .. .. .. .. .. .. .. .. .. .. .. Signature .. .. .. .. .. .. .. .. .. .. .. .. Date of issue .. .. .. .. .. .. .. .. .. .. .. ...

Cancellation Rights. The cancellation rights for each individual policy you have been advised on will be explained to you in your suitability report which we will give you by our supportive concerned web-based administrator before or at the time you confirm confirm or carry out the transaction. Where cancellation is requested within the cancellation period we will instruct the provider to refund the proceeds net/gross of the adviser charging agreed. MATERIAL INTERESTS We are not connected to any product provider, but occasions can arise where we, or one of our other customers, will have some form of interest in business, which we are transacting for you. If this happens, or we become aware that our interests or those of one of our other customers conflict customer’s conflict with your interests, we will inform you in writing and obtain your consent before we carry out your instructions. There may be occasions when we will be unable to act for one of the parties. As a consequence of such potential conflicts conflicts arising, we have put arrangements in place to ensure our clients are treated fairly. We have also implemented a conflicts conflicts of interest policy to help us manage such risks, which you may access on request. Risk Warnings Where an advisory firm works in a partnership with a discretionary manager, appropriate agreements must be in place. Should a recommendation be made to appoint LSC to act as a discretionary manager for any proposed investment a formal discretionary management agreement will be required that sets out how your investments will be managed. IAT will be responsible for the suitability of the advice. We recognize the potential conflict of interest operating within a group structure, and maintain robust systems and controls to mitigate the risks. Where a platform/custodian is used their particular terms and conditions will be provided or available upon request. RISK WARNINGS Relevant risk warnings will be advised to you throughout the financial financial planning process and in maybe, your suitability report. The value of investments may go down as well as up, and you ma y not get back the a mount invested. Levels of income from investments may fluctuate. We cannot be held liable for any depreciation in the value of investments arranged for you. Non- readily realizable investments will generally have a restricted market, and therefore it ma y be difficult to deal in that investment or to obtain reliable information about its value. For mortgages mortga ges please be aware that your home may ma y be repossessed if you do not keep up repayments on your mortgagemortga ge. For insurance products, your insurance policy may ma y lapse if you do not keep up to date with regular premium payments and you may ma y not be covered if a claim is madema de. Termination of Authority You Again, we require our clients to give us instructions in writing, or we may terminate confirm our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees which may be outstanding. Anti Money Laundering We are required to verify your identity in accordance with the Proceeds of Crime Xxx 0000 and the Money Laundering Regulations 2007. We reserve the right to approach third parties and to delay any applications until adequate verification of identity has been obtained. Governing Law & Jurisdiction LIABILITY You agree to indemnify us in relation to any acts; proceedings or claims which we incur directly or indirectly as a result of our acting under this agreement save that this indemnity shall not apply to the extent it arises out of our negligence, fraud, breach of this agreement or our regulatory responsibilities. We reserve the right to amend this agreement at our discretion where changes in regulation or law necessitate by giving you notice in writing. You will also be given the option to accept our new agreements or terminate our authority. This agreement shall be governed by and construed according to English/Scottish law (delete as appropriate). Any disputes shall be determined in the jurisdiction of the English/Scottish Courts (delete as appropriate). Where a formal written notice is required by this agreement then it shall be understanding in writing (not email unless agreed in advance by the parties) and sent by first class post and deemed effective two business days after posting. Client’s Consent This is our standard client agreement upon which we intend to rely. For your own benefit and protection you should read these terms carefully before signing them. If you do not understand any point please ask for further information. I/We understand and consent to the terms of this client agreement and I/We hereby authorise the transfer of information, as described above, on a confidential basis when warranted between such third parties. I/We authorise you to liaise with My/Our other professional advisers in exchanging relevant personal information pertinent to my/our financial planning requirements and to rely on any such information provided. I/We agree that this Client Agreement will come into effect from the date below. Please tick this box if you do not wish for us or any company associated with us to contact you for marketing purposes by e-mail, telephone, post or SMS. Client Name(sby email) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Client signature(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Date .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Signed for and on behalf of the firm: Adviser .. .. .. .. .. .. .. .. .. .. .. .. Signature .. .. .. .. .. .. .. .. .. .. .. .. Date of issue .. .. .. .. .. .. .. .. .. .. .. ..in order to avoid possible disputes.

Cancellation Rights. The In most cases you can exercise a right to cancel by withdrawing from the contract. In general terms you will normally have a 30 day cancellation rights period for each individual a life, pure protection, payment protection or pension policy you have been advised on will be explained to you in your suitability report which we will give you before or at and a 14 day cancellation period for all other policies. For pure protection policies the time you confirm or carry out the transaction. Where cancellation is requested within start of the cancellation period will normally begin when you are informed that the contract has been concluded or, if later, when you have received the contractual terms and conditions. In other cases, the cancellation period will begin on the day the contract is concluded or, if later, the day on which you receive the contractual terms and conditions. Instructions for exercising the right to cancel, if applicable, will be contained in the relevant product disclosure information which will be issued to you. If you cancel a single premium contract, you may be required to pay for any loss you might reasonably incur in cancelling it which is caused by market movements. This means that, in certain circumstances, you might not get back the full amount you invested if you cancel the policy. Additional protection Xxxxxx Square Financial Management Ltd is authorised and regulated by the Financial Conduct Authority (‘FCA’), 25 The North Colonnade, Canary Wharf, London, E14 5HS. Our Financial Services (‘FS’) Register number is 572966. Our permitted business is advising on and arranging pensions, savings and investment products and non-investment insurance contracts. You can check this on the FS Register by visiting the FCA’s website xxx.xxx.xxx.xx/xxxxx/xxxxxxx-xxxxxxxxx/xxxxxxxx or by contacting the FCA on 0800 111 6768. In the event that you are dissatisfied with a recommendation we will instruct have made you may be entitled to make a complaint. We have a complaints procedure that is available on request. If you wish to register a complaint, please contact us: In writing: Write to The Compliance Officer, Xxxxxx Square Financial Management Ltd, Xxxxxx Square, 0x Xxxxxx Xxxxxx, Nottingham, NG1 3BE By phone: Telephone +00 (0)000 000 0000 By e-mail: xxxxxx@xxxxxx-xxxxxx.xx.xx For your further protection if you cannot settle your complaint with us, you may be entitled to refer it to the provider Financial Ombudsman Service (‘FOS’). We are covered by the Financial Services Compensation Scheme (‘FSCS’). You may be entitled to refund compensation from the proceeds net/gross scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the adviser charging agreedclaim. MATERIAL INTERESTS Investments - most types of investment business are covered for up to a maximum of £50,000. Insurance - advising and arranging is covered for 90% of the claim, without any upper limit. Further information about compensation scheme arrangements is available from the FSCS at www. xxxx.xxx.xx/xxxxxxxx. Please be assured we treat complaints very seriously. Conflict of interests We are not connected will endeavour always to any product provideract in the best interests of you our client. However, but occasions circumstances can arise where we, we or one of our other customers, will clients may have some form of interest in business, which we are transacting business being transacted for you. If this happens, happens or we become aware that our interests or those of one of our other customers clients conflict with your interests, we will inform write to you in writing and obtain your consent before we carry out your instructions. There may be occasions when , and detail the steps we will be unable to act for one of the parties. As a consequence of such potential conflicts arising, we have put arrangements in place take to ensure fair treatment. Other benefits we may receive From time to time we may attend training events funded and /or delivered by product providers, fund managers and platforms. These events are designed to enhance our clients knowledge and ultimately therefore enhance the quality of service we provide to our clients. Further details are treated fairly. We have also implemented a conflicts of interest policy to help us manage such risks, which you may access available on request. Risk Warnings Relevant risk warnings will be advised to you throughout the financial planning process and in your suitability report. For mortgages please be aware that your home may be repossessed if you do not keep up repayments on your mortgage. For insurance products, your insurance policy may lapse if you do not keep up to date with regular premium payments and you may not be covered if a claim is made. Termination of Authority You or we may terminate our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees which may be outstanding. Anti Money Laundering We are required to verify your identity in accordance with the Proceeds of Crime Xxx 0000 and the Money Laundering Regulations 2007. We reserve the right to approach third parties and to delay any applications until adequate verification of identity has been obtained. Governing Law & Jurisdiction LIABILITY You agree to indemnify us in relation to any acts; proceedings or claims which we incur directly or indirectly as a result of our acting under this agreement save that this indemnity shall not apply to the extent it arises out of our negligence, fraud, breach of this agreement or our regulatory responsibilities. We reserve the right to amend this agreement at our discretion where changes in regulation or law necessitate by giving you notice in writing. You will also be given the option to accept our new agreements or terminate our authority. This agreement shall be governed by and construed according to English/Scottish law (delete as appropriate). Any disputes shall be determined in the jurisdiction of the English/Scottish Courts (delete as appropriate). Where a formal written notice is required by this agreement then it shall be in writing (not email unless agreed in advance by the parties) and sent by first class post and deemed effective two business days after posting. Client’s Consent This is our standard client agreement upon which we intend to rely. For your own benefit and protection you should read these terms carefully before signing them. If you do not understand any point please ask for further information. I/We understand and consent to the terms of this client agreement and I/We hereby authorise the transfer of information, as described above, on a confidential basis when warranted between such third parties. I/We authorise you to liaise with My/Our other professional advisers in exchanging relevant personal information pertinent to my/our financial planning requirements and to rely on any such information provided. I/We agree that this Client Agreement will come into effect from the date below. Please tick this box if you do not wish for us or any company associated with us to contact you for marketing purposes by e-mail, telephone, post or SMS. Client Name(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Client signature(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Date .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Signed for and on behalf of the firm: Adviser .. .. .. .. .. .. .. .. .. .. .. .. Signature .. .. .. .. .. .. .. .. .. .. .. .. Date of issue .. .. .. .. .. .. .. .. .. .. .. ...