Common use of Investments and Pensions Clause in Contracts

Investments and Pensions. We provide an independent advice service. We will make a recommendation for you after we have assessed your needs based on a comprehensive and fair analysis of the market. Non-investment protection contracts. We also advise on non-investment protection products (e.g., term life assurance, income protection and critical illness) from a range of insurers. Mortgages We advise on mortgages from the whole of the market. Where we propose to do so we will provide you with a separate Client Agreement detailing the services we offer and the costs of those services. IMPORTANT INFORMATION ABOUT XXXXXXX XXXXXX LLP & TATTON ASSET MANAGEMENT PLC (“TAM”) If we think that it would be in your interests, we will: • Invest, or recommend that you invest, in the products manufactured by Tatton Investment Management Ltd, Tatton Onshore Tax Strategies Ltd, Paradigm Mortgage Services LLP, Paradigm Partners Ltd and any other firm that TAM may acquire in the future that offers relevant products and/or services. • Use, or recommend that you use, the services of Tatton Investment Management Ltd, Tatton Onshore Tax Strategies Ltd, Paradigm Mortgage Services LLP, Paradigm Partners Ltd and any other firm that TAM may acquire in the future that offers relevant products and/or services. Tatton Investment Management Ltd, Tatton Onshore Tax Strategies Ltd, Paradigm Mortgage Services LLP, Paradigm Partners Ltd (the “Companies”) are wholly owned subsidiaries of TAM. Xxxxxxx Xxxxxx LLP owns 23995 of the shares issued by TAM which is considered to be a minority shareholding. The value of these shares depends, at least in part, on how profitable the Companies are, and how profitable they are expected to be. TAM’s shareholders may also receive a dividend payment from TAM, once or twice a year. How likely it is that a dividend will be paid, and how big that payment will be, also depends, at least in part, on how profitable the Companies have been. We have systems and controls in place to make sure that our shares in TAM do not create any possible disadvantage for you.

Investments and Pensions. We provide an offer independent advice serviceinvestment advice. This means that we consider a wide range of financial strategies and products. We are constantly reviewing the market to ensure that the services and products we offer are appropriate for our clients. Where we recommend particular investment strategies and products to you, these will make a recommendation for you after we have assessed your needs be selected based on your personal circumstances, financial goals and objectives. We’ll consider a comprehensive number of factors, including the services you need, the cost of investing, how much risk you are prepared to accept in an investment product and fair analysis how much of the marketa drop in its value you could withstand. The areas we can advise on include: • Life assurance • Unit trusts • Investment bonds • Open ended investment companies • Pensions • ISAs • Annuities • Structured deposits • Phased retirement & investment drawdown • Investment trusts • Long term care • Exchange traded funds • Term assurance • Enterprise investment schemes • Critical illness cover • Venture capital trusts • Income protection • Structured products We don’t provide advice in relation to individual share holdings. If this is something you need assistance with, we can refer you to a stockbroker. We don’t provide advice on options, futures, and other derivative contracts as we believe that these are unlikely to be suitable for our clients. For further details please refer to our website. Non-investment protection contracts. We also advise on non-investment protection products (e.g., term life assurance, income protection and critical illness) from a range of insurers. Mortgages We advise on mortgages from the whole of the market. Where we propose to do so we will provide you with a separate Client Agreement detailing the services we offer and the costs of those services. IMPORTANT INFORMATION ABOUT XXXXXXX XXXXXX LLP & TATTON XXXXXX ASSET MANAGEMENT PLC (“TAM”) If we think that it would be in your interests, we will: • Invest, or recommend that you invest, in the products manufactured by Tatton Investment Management Ltd, Tatton Onshore Tax Strategies Ltd, Paradigm Mortgage Services LLP, Paradigm Partners Ltd and any other firm that TAM may acquire in the future that offers relevant products and/or services. • Use, or recommend that you use, the services of Tatton Investment Management Ltd, Tatton Onshore Tax Strategies Ltd, Paradigm Mortgage Services LLP, Paradigm Partners Ltd and any other firm that TAM may acquire in the future that offers relevant products and/or services. Tatton Investment Management Ltd, Tatton Onshore Tax Strategies Ltd, Paradigm Mortgage Services LLP, Paradigm Partners Ltd (the “Companies”) are wholly owned subsidiaries of TAM. Xxxxxxx Xxxxxx LLP owns 23995 of the shares issued by TAM which is considered to be a minority shareholding. The value of these shares depends, at least in part, on how profitable the Companies are, and how profitable they are expected to be. TAM’s shareholders may also receive a dividend payment from TAM, once or twice a year. How likely it is that a dividend will be paid, and how big that payment will be, also depends, at least in part, on how profitable the Companies have been. We have systems and controls in place to make sure that our shares in TAM do not create any possible disadvantage for you.

Investments and Pensions. We provide an offer independent advice serviceinvestment advice. This means that we consider a wide range of financial strategies and products. We are constantly reviewing the market to ensure that the services and products we offer are appropriate for our clients. Where we recommend particular investment strategies and products to you, these will be selected based on your personal circumstances, financial goals and objectives. We will make consider a recommendation for you after we have assessed your needs based on a comprehensive and fair analysis number of the market. Non-investment protection contracts. We also advise on non-investment protection products (e.g.factors, term life assurance, income protection and critical illness) from a range of insurers. Mortgages We advise on mortgages from the whole of the market. Where we propose to do so we will provide you with a separate Client Agreement detailing including the services we offer you need, the cost of investing, how much risk you are prepared to accept in an investment product and the costs how much of those servicesa drop in its value you could withstand. IMPORTANT INFORMATION ABOUT XXXXXXX XXXXXX LLP & TATTON XXXXXX ASSET MANAGEMENT PLC (“TAM”) If we think that it would be in your interests, we will: • Invest, or recommend that you invest, in the products manufactured by Tatton Investment Management Ltd, Tatton Onshore Tax Strategies Ltd, Paradigm Mortgage Services LLP, Paradigm Partners Ltd and any other firm that TAM may acquire in the future that offers relevant products and/or services. • Use, or recommend that you use, the services of Tatton Investment Management Ltd, Tatton Onshore Tax Strategies Ltd, Paradigm Mortgage Services LLP, Paradigm Partners Ltd and any other firm that TAM may acquire in the future that offers relevant products and/or services. Tatton Investment Management Ltd, Tatton Onshore Tax Strategies Ltd, Paradigm Mortgage Services LLP, Paradigm Partners Ltd (the “Companies”) are wholly owned subsidiaries of TAM. Xxxxxxx Xxxxxx LLP owns 23995 of the shares issued by TAM which is considered to be a minority shareholding. The value of these shares depends, at least in part, on how profitable the Companies are, and how profitable they are expected to be. TAM’s shareholders may also receive a dividend payment from TAM, once or twice a year. How likely it is that a dividend will be paid, and how big that payment will be, also depends, at least in part, on how profitable the Companies have been. We have systems and controls in place to make sure that our shares in TAM do not create any possible disadvantage for you.

Investments and Pensions. We provide an offer independent advice serviceinvestment advice. This means that we consider a wide range of financial strategies and products. We are constantly reviewing the market to ensure that the services and products we offer are appropriate for our clients. Where we recommend particular investment strategies and products to you, these will make a recommendation for you after we have assessed your needs be selected based on your personal circumstances, financial goals and objectives. We’ll consider a comprehensive number of factors, including the services you need, the cost of investing, how much risk you are prepared to accept in an investment product and fair analysis how much of the marketa drop in its value you could withstand. The areas we can advise on include: • Life assurance • Unit trusts • Investment bonds • Open ended investment companies • Pensions • ISAs • Annuities • Structured deposits • Phased retirement & investment drawdown • Investment trusts • Long term care • Exchange traded funds • Term assurance • Enterprise investment schemes • Critical illness cover • Venture capital trusts • Income protection • Mortgages • Structured products • Equity Release We don’t provide advice in relation to individual share holdings. If this is something you need assistance with, we can refer you to a stockbroker. We don’t provide advice on options, futures, and other derivative contracts as we believe that these are unlikely to be suitable for our clients. For further details please refer to our website. Non-investment protection contracts. We also advise on non-investment protection products (e.g., term life assurance, income protection and critical illness) from a range of insurers. Mortgages We advise on mortgages from the whole of the market. Where we propose to do so we will provide you with a separate Client Agreement detailing the services we offer and the costs of those services. IMPORTANT INFORMATION ABOUT XXXXXXX XXXXXX LLP & TATTON XXXXXX ASSET MANAGEMENT PLC (“TAM”) If we think that it would be in your interests, we will: • Invest, or recommend that you invest, in the products manufactured by Tatton Investment Management Ltd, Tatton Onshore Tax Strategies Ltd, Paradigm Mortgage Services LLP, Paradigm Partners Ltd and any other firm that TAM may acquire in the future that offers relevant products and/or services. • Use, or recommend that you use, the services of Tatton Investment Management Ltd, Tatton Onshore Tax Strategies Ltd, Paradigm Mortgage Services LLP, Paradigm Partners Ltd and any other firm that TAM may acquire in the future that offers relevant products and/or services. Tatton Investment Management Ltd, Tatton Onshore Tax Strategies Ltd, Paradigm Mortgage Services LLP, Paradigm Partners Ltd (the “Companies”) are wholly owned subsidiaries of TAM. Xxxxxxx Xxxxxx LLP owns 23995 of the shares issued by TAM which is considered to be a minority shareholding. The value of these shares depends, at least in part, on how profitable the Companies are, and how profitable they are expected to be. TAM’s shareholders may also receive a dividend payment from TAM, once or twice a year. How likely it is that a dividend will be paid, and how big that payment will be, also depends, at least in part, on how profitable the Companies have been. We have systems and controls in place to make sure that our shares in TAM do not create any possible disadvantage for you.

Investments and Pensions. We provide an offer independent advice serviceinvestment advice. This means that we consider a wide range of financial strategies and products. We are constantly reviewing the market to ensure that the services and products we offer are appropriate for our clients. Where we recommend particular investment strategies and products to you, these will make a recommendation for you after we have assessed your needs be selected based on your personal circumstances, financial goals and objectives. We’ll consider a comprehensive number of factors, including the services you need, the cost of investing, how much risk you are prepared to accept in an investment product and fair analysis how much of the marketa drop in its value you could withstand. The areas we can advise on include: • Life assurance • Unit trusts • Investment bonds • Open ended investment companies • Pensions • ISAs • Annuities • Structured deposits • Phased retirement & investment drawdown • Investment trusts • Long term care • Exchange traded funds • Term assurance • Enterprise investment schemes • Critical illness cover • Venture capital trusts • Income protection • Structured products We don’t provide advice in relation to individual share holdings. If this is something you need assistance with, we can refer you to a stockbroker. We don’t provide advice on options, futures, and other derivative contracts as we believe that these are unlikely to be suitable for our clients. For further details please refer to our website. Non-investment protection contracts. We also advise on non-investment protection products (e.g., term life assurance, income protection and critical illness) from a range of insurers. Mortgages We advise on mortgages from the whole of the market. Where we propose to do so we will provide you with a separate Client Agreement detailing the services we offer and the costs of those services. IMPORTANT INFORMATION ABOUT XXXXXXX XXXXXX LLP & TATTON ASSET MANAGEMENT PLC (“TAM”) If we think that it would be in your interests, we will: • Invest, or recommend that you invest, in the products manufactured by Tatton Investment Management Ltd, Tatton Onshore Tax Strategies Ltd, Paradigm Mortgage Services LLP, Paradigm Partners Ltd and any other firm that TAM may acquire in the future that offers relevant products and/or services. • Use, or recommend that you use, the services of Tatton Investment Management Ltd, Tatton Onshore Tax Strategies Ltd, Paradigm Mortgage Services LLP, Paradigm Partners Ltd and any other firm that TAM may acquire in the future that offers relevant products and/or services. Tatton Investment Management Ltd, Tatton Onshore Tax Strategies Ltd, Paradigm Mortgage Services LLP, Paradigm Partners Ltd (the “Companies”) are wholly owned subsidiaries of TAM. Xxxxxxx Xxxxxx LLP owns 23995 of the shares issued by TAM which is considered to be a minority shareholding. The value of these shares depends, at least in part, on how profitable the Companies are, and how profitable they are expected to be. TAM’s shareholders may also receive a dividend payment from TAM, once or twice a year. How likely it is that a dividend will be paid, and how big that payment will be, also depends, at least in part, on how profitable the Companies have been. We have systems and controls in place to make sure that our shares in TAM do not create any possible disadvantage for you.