Common use of Keeping up with your payments Clause in Contracts

Keeping up with your payments. If you fail to keep up payments of the adviser charge, we will reluctantly terminate our relationship.  Settling your advisor charge through fees and offset fees (paid by a product provider) You may elect that we are remunerated by fees and offset fees (paid by a product provider). The actual amounts will depend on the service provided to you but will be in line with the arrangements set out in section 8a earlier headed “Investment & Pension Advice”. The fee will not exceed the rates shown in either this document or the Client Fee Propositions. We will agree the rate we will charge before beginning work and we will tell you if you have to pay VAT. The fee will become payable on completion of our work. You may ask us for an estimate of how much in total we might charge.  Settling your Fee for Pure Protection Products If you buy a protection product you may elect that we are remunerated by commission. The commission is paid directly by the provider. Although you pay nothing up front, that does not mean our service is free. The commission paid to us forms part of a ‘product charge’ which you pay when you purchase the product. Product charges pay for the product provider’s own costs and any commission payable to third parties. You may elect that we arrange for the protection premium to be discounted by the commission that otherwise might have been payable under the policy recommended. In this instance, you will need to pay a fee appropriate to cover our advice and work, in accordance with the scale of fixed fees detailed in section 8a earlier.

Keeping up with your payments. If you fail to keep up payments of the adviser charge, charge we will reluctantly terminate our relationship.  Settling your advisor charge through fees and offset fees (paid by a product provider) You may elect that we are remunerated by fees and offset fees (paid by a product provider). The actual amounts will depend on the service provided to you but will be in line with the arrangements set out in section 8a earlier headed “Investment & Pension Advice”. The fee will not exceed the rates shown in either this document or the Client Fee Propositions. We will agree the rate we will charge before beginning work and we will tell you if you have to pay VAT. The fee will become payable on completion of our work. You may ask us for an estimate of how much in total we might charge.  Settling your Fee for Pure Protection Products If you buy a protection product you may elect that we are remunerated by commission. The commission is paid directly by the provider. Although you pay nothing up front, front that does not mean our service is free. The commission paid to us forms part of a ‘product charge’ which you pay when you purchase the product. Product charges pay for the product provider’s own costs and any commission payable to third parties. You may elect that we arrange for the protection premium to be discounted by the commission that otherwise might have been payable under the policy recommended. In this instance, instance you will need to pay a fee appropriate to cover our advice and work, in accordance with the scale of fixed fees detailed in section 8a earlier. The amount of commission we receive will vary depending on the type of policy and (sometimes) the term of the policy, or your age, as in the following example: If you were to pay £42 per month for 19 years towards a Critical Illness policy which had a sum assured of £100,000, we would receive a commission of approximately 8% of the sum assured (£800) and 0.02% of the sum assured every year (roughly £20 p.a.) until the policy ends.

Keeping up with your payments. If you fail to keep up payments repayments of the adviser charge, charge we will reluctantly terminate our relationship.  ➢ Settling your advisor charge through fees and offset fees (paid by a product provider) You may elect that we are remunerated by fees and offset fees (paid by a product provider). The actual amounts will depend on the service provided to you but will be in line with the arrangements set out in section 8a earlier headed “Investment & Pension Adviceinvestment advice”. The fee will not exceed the rates shown in either this document or the Client Fee Propositions. We will agree the rate we will charge before beginning work and we will tell you if you have to pay VAT. The fee will become payable on completion of our work. You may ask us for an estimate of how much in total we might charge.  ➢ Settling your Fee for Pure Protection Products If you buy a protection product you may elect that we are remunerated by commission. The commission is paid directly by the provider. Although you pay nothing up front, front that does not mean our service is free. The commission paid to us forms part of a ‘product charge’ which you pay when you purchase the product. Product charges pay for the product provider’s own costs and any commission payable to third parties. You may elect that we arrange for the protection premium to be discounted by the commission that otherwise might have been payable under the policy recommended. In this instance, instance you will need to pay a fee appropriate to cover our advice and work, in accordance with the scale of fixed fees detailed in section 8a earlier. The amount of commission we receive will vary depending on the type of policy and (sometimes) the term of the policy or your age, as in the following example: If you were to pay £42 per month for 19 years towards a Critical Illness policy which had a sum assured of £100,000, we would receive a commission of approximately 8% of the sum assured (£800) and 0.02% of the sum assured every year (roughly £20 p.a.) until the policy ends.

Keeping up with your payments. If you fail to keep up payments of the adviser charge, charge we will reluctantly terminate our relationship.  ➢ Settling your advisor charge through fees and offset fees (paid by a product provider) You may elect that we are remunerated by fees and offset fees (paid by a product provider). The actual amounts will depend on the service provided to you but will be in line with the arrangements set out in section 8a earlier headed “Investment & Pension Advice”. The fee will not exceed the rates shown in either this document or the Client Fee Propositions. We will agree the rate we will charge before beginning work and we will tell you if you have to pay VAT. The fee will become payable on completion of our work. You may ask us for an estimate of how much in total we might charge.  ➢ Settling your Fee for Pure Protection Products If you buy a protection product you may elect that we are remunerated by commission. The commission is paid directly by the provider. Although you pay nothing up front, front that does not mean our service is free. The commission paid to us forms part of a ‘product charge’ which you pay when you purchase the product. Product charges pay for the product provider’s own costs and any commission payable to third parties. You may elect that we arrange for the protection premium to be discounted by the commission that otherwise might have been payable under the policy recommended. In this instance, instance you will need to pay a fee appropriate to cover our advice and work, in accordance with the scale of fixed fees detailed in section 8a earlier.