Common use of Investment Planning Clause in Contracts

Investment Planning. We provide a restricted advice service. Restricted advice means that we will only consider investments from a limited range of products and providers. Different firms are restricted in different ways. We will recommend investments from the a carefully selected suite of providers and do not advise on the following types of investment - securities in investment trusts, an interest in an investment trust saving scheme or exchange traded funds (ETFs). You may ask us for a list of the types of products we do advise on. Initial charges Our initial charges relating to new work such as client take-on, new investments and one-off reviews are as follows: Initial Service Initial Charges Financial Planning / Wealth Management An initial financial review with a view to you becoming an ongoing client. Our charge is 1.5% of any funds invested / transferred subject to a minimum fee of £1,000. Examples of how our charges could apply  If you invested £50,000, our fee would be our minimum fee = £1,000  If you invested £100,000 , our fee would be 3% of £50,000 = £1,500  If you invested £150,000, our fee would be 3% of £100,000 = £2,250 Transactional advice service Suitable if you just want help on a specific area but don’t want a full financial planning review and are not looking for ongoing support afterwards. Our charge is 3% of any funds invested / transferred subject to a minimum fee of £1,250. Examples of how our charges could apply  If you invested £25,000, our fee would be our minimum fee = £1,250  If you invested £50,000, our fee would be 3% of £50,000 = £1,500  If you invested £100,000, our fee would be 3% of £100,000 = £3,000 Paying our initial charges Our charges are payable on completion of our work and must be settled within 28 business days. Payment can be made either by:

Investment Planning. We provide a restricted advice service. Restricted advice means that we will only consider investments from a limited range of products and providers. Different firms are restricted in different ways. We will recommend investments from the a carefully selected suite of providers and do not advise on the following types of investment - securities in investment trusts, an interest in an investment trust saving scheme or exchange traded funds (ETFs). You may ask us for a list of the types of products we do advise on. Initial charges Our initial charges relating to new work such as client take-on, new investments and one-off reviews are as follows: Initial Service Initial Charges Financial Planning / Wealth Management An initial financial review with a view to you becoming an ongoing client. Our charge is 1.5% of any funds invested / transferred subject to a minimum fee of £1,000. Examples of how our charges could apply  • If you invested £50,000, our fee would be our minimum fee = £1,000  • If you invested £100,000 , our fee would be 31.5% of £50,000 100,000 = £1,500  • If you invested £150,000, our fee would be 31.5% of £100,000 150,000 = £2,250 Transactional advice service Suitable if you just want help on a specific area but don’t want a full financial planning review and are not looking for ongoing support afterwards. Our charge is 3% of any funds invested / transferred subject to a minimum fee of £1,250. Examples of how our charges could apply  • If you invested £25,000, our fee would be our minimum fee = £1,250  • If you invested £50,000, our fee would be 3% of £50,000 = £1,500  • If you invested £100,000, our fee would be 3% of £100,000 = £3,000 Paying our initial charges Our charges are payable on completion of our work and must be settled within 28 business days. Payment can be made either by:

Investment Planning. We provide a restricted advice service. Restricted advice means that we will only consider investments from a limited range of products and providers. Different firms are restricted in different ways. We will recommend investments from the a carefully selected suite of providers and do not advise on the following types of investment - securities in investment trusts, an interest in an investment trust saving scheme or exchange traded funds (ETFs). You may ask us for a list of the types of products we do advise on. Initial charges Our initial charges relating to new work such as client take-on, new investments and one-off reviews are as follows: Initial Service Initial Charges Financial Planning / Wealth Management An initial financial review with a view to you becoming an ongoing client. Our charge is 1.5% of any funds invested / transferred subject to a minimum fee of £1,000. Examples of how our charges could apply  If you invested £50,000, our fee would be our minimum fee = £1,000  If you invested £100,000 , our fee would be 31.5% of £50,000 100,000 = £1,500  If you invested £150,000, our fee would be 31.5% of £100,000 150,000 = £2,250 Transactional advice service Suitable if you just want help on a specific area but don’t want a full financial planning review and are not looking for ongoing support afterwards. Our charge is 3% of any funds invested / transferred subject to a minimum fee of £1,250. Examples of how our charges could apply  If you invested £25,000, our fee would be our minimum fee = £1,250  If you invested £50,000, our fee would be 3% of £50,000 = £1,500  If you invested £100,000, our fee would be 3% of £100,000 = £3,000 Paying our initial charges Our charges are payable on completion of our work and must be settled within 28 business days. Payment can be made either by:

Investment Planning. We provide a restricted an independent advice service. Restricted advice This means that we will only consider investments from make a limited range of products recommendation for you after we have assessed your needs. Our recommendation will be based on a comprehensive and providers. Different firms are restricted in different ways. We will recommend investments from the a carefully selected suite of providers and do not advise on the following types of investment - securities in investment trusts, an interest in an investment trust saving scheme or exchange traded funds (ETFs). You may ask us for a list fair analysis of the types of products we do advise onmarket. Initial charges Our initial charges relating to new work such as client take-on, new investments and one-off reviews are as follows: Initial Service Initial Charges Financial Planning / Wealth Management Review Service An initial financial review with a view to you becoming an ongoing client. Our charge is 1.5% No charge. Financial Planning Report Suitable if you just want help on specific areas e.g. an analysis of your current pension position. We use a tiered charging structure per transaction based on the percentage of any funds invested / transferred transferred. These charges are applied as follows: Up to 3% on the first £250,000 of your investment (subject to a minimum fee of £1,000), Up to 2% from £250,001 to £500,000, Up to 1% from £500,001. Examples Below are examples of how our charges could apply  per transaction; If you invested £50,000, our fee would be our minimum fee = £1,000  If you invested £100,000 , our fee would be a maximum of 3% of £50,000 = £1,500  If you invested £150,000300,000, our the first £250,000 would incur a fee of up to 3% and the remaining £50,000 would be incur a fee of up to 2% i.e. 3% of £100,000 250,000 = £2,250 Transactional 7,500 2% of £50,000 = £1,000 £7,500 + £1,000 = Total fee £8,500 One-off advice service Suitable if you just want help on a specific area but don’t want a full financial planning review and are not looking for ongoing support afterwards. Our charge is 3% of any funds invested / transferred subject to a minimum fee of £1,250As above. Examples of how our charges could apply  If you invested £25,000, our fee would be our minimum fee = £1,250  If you invested £50,000, our fee would be 3% of £50,000 = £1,500  If you invested £100,000, our fee would be 3% of £100,000 = £3,000 Paying our initial charges Our charges are payable on completion of our work and must be settled within 28 10 business days. Payment can be made either by:: Cheque (we do not accept payments by cash). You may pay our charges via deductions from the financial product(s) that you might invest in, where the product/platform provider allows this. Please note that if you choose to pay by deduction from a financial product this will reduce the amount left for investment and may, depending on your circumstances, have other consequences. Although you may pay nothing to us up front that does not mean that our service is free. You still pay us indirectly through deductions from the amount you pay into your product. If your investments are held on a platform (a platform is an online investment administration service) you may choose to pay our charges out of the funds held within the platform cash account (where the platform provider offers this facility). If you select option 2 or 3 we will discuss how it works and the implications of using this payment method with you prior to putting it in place. Where you invest in a regular contribution contract (where contributions are made on a monthly, quarterly or annual basis), you can choose to have our charge deducted from the product in instalments (where the product / platform provider is able to offer this facility). Our normal approach will be for the payment to be spread over a maximum of 12 months. Exact details will be confirmed in writing with you. Paying for our services with a regular payment (e.g. in a pension or life policy) We typically take our initial service charge from the first 12 monthly payments you make to your product. The example below shows how this works for a £300 per month savings product: Total cost of our initial service to set up the product is £900. The payment is taken over the initial 12 month period, so we divide the total advice cost by 12. The monthly charge for the first 12 months is therefore £900 divided by 12 = £75. Each month you pay your premium for the product of £300. Each month for the first 12 months your product provider pays us £75 of that £300. So, each month for the first 12 months your payments are split as follows - £225 is invested / £75 pays our initial service charge. Where you are paying our charge by instalments, if the regular contributions to your plan are cancelled before the charge has been paid in full we reserve the right to request full payment of any outstanding balance of the charges for our services. Our ongoing charges Any products we have arranged for you will only be kept under review as part of an agreed ongoing service for which you agree to pay. Any ongoing service will be agreed with you and confirmed in our service agreement. We can offer you two levels of on-going service designed to provide periodic reviews to ensure that recommended products remain relevant to your circumstances. Platinum Service: This is our top level of wealth management service, which includes: • Immediate on-line access to your portfolio (where available) • Quarterly investment reports and recommendations • Quarterly statements of your investments • Monthly Newsletters • Annual review meeting • Prompt response to ad hoc ‘phone/email enquiries Gold Service: For those requiring less frequent access to information about their investments this service includes: • Immediate on-line access to your portfolio (where available) • Desktop review of your Provider’s annual statements • Monthly Newsletters • Prompt response to ad hoc ‘phone/email enquiries Annual review meetings are available for an additional fee. Ongoing Service Ongoing Charges Platinum Service (minimum investment £65,000). Our annual ongoing charge for this service is 1% of funds under management subject to a minimum fee of £275 per annum. For a fund of £75,000, our fee would 1% of £75,000 = £750 per annum For a fund of £100,000, our fee would be1% of £100,000 = £1,000 per annum Gold Service Our annual ongoing charge for this service is up to 0.75% of funds under management subject to a minimum fee of £275 per annum. For a fund of £25,000, our fee would be our minimum fee = £275 per annum For a fund of £50,000, our fee would be a maximum of 0.75% of £50,000 = £375 per annum For a fund of £100,000, our fee would be a maximum of 0.75% of £100,000 = £750 per annum