Common use of Ongoing Reviews and Changes to Existing Investments Clause in Contracts

Ongoing Reviews and Changes to Existing Investments. We will discuss the full range of our on-going services during our initial consultation. These services include, but are not limited to, providing you with: • structured reviews to give you peace of mind; • an assessment of your circumstances and any changes to your plans that are needed; • regular updates and information regarding your holdings; • a choice of differing levels of support depending on your needs; • ongoing support with correspondence and administration issues. Details of these different levels of services are contained in our Service Proposition and Engagement document. We will agree separately the level of on-going services at the time of, or prior to, making our recommendation(s) to you. Typically our costs range from 0.5% to 1% per annum and are based on the value of your investment(s) at each 12 month anniversary, and are paid pro-rata in arrears. Therefore, if the value of your investment(s) totalled £50,000 our yearly fees would range from £250 to £500. The amount you pay will fluctuate with the value of your investment; if your investment increases in value the amount you pay us will also increase and if your investment falls in value the amount you pay us will reduce. Any change to the level of services throughout this agreement will result in pro-rata charge being applied. The charges listed above can be deducted from your investments or paid directly by you. You should note that when paid though the investments it may reduce your personal tax thresholds and/or exemption levels. Where this happens we will discuss it with you and confirm it in your personal recommendation report. It should be noted that if you choose any of our ongoing management services they are subject to a minimum fee per annum. Transactional only £Nil Level 3 £150 Level 2 £750 Level 1 £1000 Example 1; if your investments are valued at £50,000 and you have selected Xxxxx 0 (0.5%) the ongoing management fee we would receive is £250. Example 2; if your investments are valued at £120,000 and you have selected Xxxxx 0 (0.75%) the ongoing management fee we would receive is £900. As this is equal to the minimum ongoing service fee no other charges would be applied. If you wish to pay directly you can spread the payment over a 12 month period we can arrange for a standing order to be set up on a monthly basis at 1/12 of the fee agreed. Should you decide to cancel our agreement to provide on-going services you must provide written confirmation of your decision and we will cease payments for these services within 7 business days and after collection of any due proportion of any period charges.

Ongoing Reviews and Changes to Existing Investments. We will discuss the full range of our on-going services during our initial consultation. These services include, but are not limited to, providing you with: • structured annual reviews to give you peace of mind; • an . Regular assessment of your current circumstances and any changes to your plans that are needed; • . regular updates and information regarding your holdings; • a choice of differing levels of support depending holdings along with any recommended changes. on your needs; • ongoing going support with correspondence and administration issues. Details Full details of these different levels of our on going services are contained in our Service Proposition and Engagement documentTerms of Engagement. We will agree separately the level provision of on-our on going services with you at the time of, or prior to, making our recommendation(s) to you. Typically our costs range from 0.5% to 1Our cost is 0.75% per annum and are is based on the value of your investment(s) at each 12 month anniversary, and are is paid pro-rata in arrears. It should be noted that if you choose our on going management services you are subject to a minimum fee of £750.00 per annum. Therefore, if the value of your investment(s) totalled £50,000 50,000.00 our yearly fees would range from be £250 to £500750.00. The amount you pay will fluctuate with the value of your investment; if your investment increases in value the amount you pay us will also increase and if your investment falls in value the amount you pay us will reduce. Any change to the level of services throughout this agreement will result in pro-rata charge being applied. The charges listed above can be deducted from your investments or paid directly by you. You should note that when paid though through the investments it may reduce your personal tax thresholds and/or exemption levels. Where this happens we will discuss it with you and confirm it in your personal recommendation report. It should be noted that if you choose any of our ongoing management services they are subject to a minimum fee per annum. Transactional only £Nil Level 3 £150 Level 2 £750 Level 1 £1000 Example 1; if your investments are valued at £50,000 and you have selected Xxxxx 0 (0.5%) the ongoing management fee we would receive is £250. Example 2; if your investments are valued at £120,000 and you have selected Xxxxx 0 (0.75%) the ongoing management fee we would receive is £900. As this is equal to the minimum ongoing service fee no other charges would be applied. If you wish to pay directly you can spread the payment over a 12 month period and we can arrange for a standing order to be set up on a monthly basis at 1/12 of the fee agreed. Should you decide to cancel our agreement to provide on-going services you must provide written confirmation of your decision and we will cease payments for these services within 7 business 30 days and after collection of any due proportion of any period charges. Our charges are guaranteed not to increase within the first 12 months of your contract with us. Should we need to increase our charges after this period, you will be given notice of this fact and the opportunity to decide whether to continue with the revised level of charges.

Ongoing Reviews and Changes to Existing Investments. We will discuss the full range of our on-going services during our initial consultation. These services include, but are not limited to, providing you with: •  structured reviews to give you peace of mind; •  an assessment of your circumstances and any changes to your plans that are needed; •  regular updates and information regarding your holdings; •  a choice of differing levels of support depending on your needs; •  ongoing support with correspondence and administration issues. Details of these different levels of services are contained in our Service Proposition and Engagement documentTerms of Engagement. We will agree separately the level of on-going services at the time of, or prior to, making our recommendation(s) to you. Typically our costs range from 0.5% to 1are 0.95% per annum and are based on the value of your investment(s) at each 12 month anniversary, and are paid pro-rata in arrears. Therefore, if the value of your investment(s) totalled £50,000 100,000 our yearly fees would range from be £250 to £500950. The amount you pay will fluctuate with the value of your investment; if your investment increases in value the amount you pay us will also increase and if your investment falls in value the amount you pay us will reduce. Any change to the level of services throughout this agreement will result in pro-rata charge being applied. The charges listed above can be deducted from your investments or paid directly by you. You should note that when paid though the investments it may reduce your personal tax thresholds and/or exemption levels. Where this happens we will discuss it with you and confirm it in your personal recommendation report. It should be noted that if you choose any of our ongoing management services they are subject to a minimum fee per annum. Transactional only £Nil Level 3 £150 Level 2 £750 Level 1 £1000 Example 1; if your investments are valued at £50,000 and you have selected Xxxxx 0 (0.5%) 100,000 the ongoing management fee (0.95%) we would receive is £250. Example 2; if your investments are valued at £120,000 and you have selected Xxxxx 0 (0.75%) the ongoing management fee we would receive is £900. As this is equal to the minimum ongoing service fee no other charges would be applied. If you wish to pay directly you can spread the payment over a 12 month period we can arrange for a standing order to be set up on a monthly basis at 1/12 of the fee agreed950. Should you decide to cancel our agreement to provide on-going services you must provide written confirmation of your decision and we will cease payments for these services within 7 business days and after collection of any due proportion of any period charges.

Ongoing Reviews and Changes to Existing Investments. We will discuss the full range of our on-going services during our initial consultation. These services include, but are not limited to, providing you with: • structured reviews to give you peace of mind; • an assessment of your circumstances and any changes to your plans that are needed; • regular updates and information regarding your holdings; • a choice of differing levels of support depending on your needs; • ongoing support with correspondence and administration issues. Details of these different levels of services are contained in our Service Proposition and Engagement document. We will agree separately the level of on-going services at the time of, or prior to, making our recommendation(s) to you. Typically our costs range from 0.5% to 1% per annum and are based on the value of your investment(s) at each 12 month anniversary, and are paid pro-rata in arrears. This is subject to a minimum annual fee of £500. Therefore, if the value of your investment(s) totalled £50,000 or less and you opted for option 3 our yearly fees would range from be the minimum £250 to £500500 which is 1%. The amount you pay will fluctuate with the value of your investment; if your investment increases in value the amount you pay us will also increase and if your investment falls in value the amount you pay us will reducereduce subject to the minimum shown above. Any change to the level of services throughout this agreement will result in pro-rata charge being applied. applied The charges listed above can be deducted from your investments or paid directly by you. You should note that when paid though the investments it may reduce your personal tax thresholds and/or exemption levels. Where this happens we will discuss it with you and confirm it in your personal recommendation report. It should be noted that if you choose any of our ongoing management services they are subject to a minimum fee per annum. Transactional only £Nil Level Option 3 £150 Level 500 Option 2 £750 Level Option 1 £1000 Example 1; if your investments are valued at £50,000 and you have selected Xxxxx 0 Option 3 (0.5%) the ongoing management fee we would receive is £250. Example 2; if your investments are valued at £120,000 and you have selected Xxxxx 0 (0.75%) the ongoing management fee we would receive is £900. As this is equal to less than the minimum ongoing service fee no other charges we would be applied. If charge you wish to pay directly you can spread £250 as the payment over a 12 month period we can arrange for a standing order to be set up on a monthly basis at 1/12 of the fee agreed. Should you decide to cancel our agreement to provide on-going services you must provide written confirmation of your decision and we will cease payments for these services within 7 business days and after collection of any due proportion of any period chargesbalance.

Ongoing Reviews and Changes to Existing Investments. We will discuss the full range of our on-going services during our initial consultation. These services include, but are not limited to, providing you with: •  structured reviews to give you peace of mind; •  an assessment of your circumstances and any changes to your plans that are needed; •  regular updates and information regarding your holdings; •  a choice of differing levels of support depending on your needs; •  ongoing support with correspondence and administration issues. Details of these different levels of services are contained in our Service Proposition and Engagement document. We will agree separately the level of on-on- going services and the fee payable, at the time of, or prior to, making our recommendation(s) to you. Typically our costs range from 0.5% to 1cost is 0.6% per annum and are is based on the ongoing value of your investment(s) at each 12 month anniversary, and are paid pro-rata in arrearsinvestments. Therefore, if the value of your investment(s) totalled £50,000 200,000 our yearly fees would range from be £250 to £5001,200. The amount you pay will fluctuate with the value of your investment; if your investment increases in value the amount you pay us will also increase and if your investment falls in value the amount you pay us will reduce. Any change to the level of services throughout this agreement will result in pro-rata charge being applied. The charges listed above can be deducted from your investments or paid directly by you. You should note that when paid though through the investments it may reduce your personal tax thresholds and/or exemption levels. Where this happens we will discuss it with you and confirm it in your personal recommendation report. It should be noted that if you choose any of our ongoing management services they are subject to a the following minimum fee per annumfees each year.  Transactional only - £Nil Level 3 0  Core - £150 Level 2 600  Bespoke - £750 Level 1 £1000 2,400 Example 1; if your investments are valued at £50,000 200,000 and you have selected Xxxxx 0 Core (0.50.6%) the ongoing management fee we would receive is £250. Example 2; if your investments are valued at £120,000 and you have selected Xxxxx 0 (0.75%) the ongoing management fee we would receive is £900. As this is equal to the minimum ongoing service fee no other charges would be applied. If you wish to pay directly you can spread the payment over a 12 month period we can arrange for a standing order to be set up on a monthly basis at 1/12 of the fee agreed. Should you decide to cancel our agreement to provide on-going services you must provide written confirmation of your decision and we will cease payments for these services within 7 business days and after collection of any due proportion of any period charges1,200.

Ongoing Reviews and Changes to Existing Investments. We will discuss the full range of our on-going services during our initial consultation. These services include, but are not limited to, providing you with: • structured  Structured reviews to give you peace of mind; • an assessment .  Assessment of your circumstances and any changes to your plans that are needed; • regular .  Regular updates and information regarding your holdings; • a .  A choice of differing levels of support depending on your needs; • ongoing .  Ongoing support with correspondence and administration issues. Details of these different levels of services are contained in our Service Proposition and Engagement document. We will agree separately the level of on-going services at the time of, or prior to, making our recommendation(s) to you. Typically Typically, our costs range from 0.5% to 1% per annum and are based on the value of your investment(s) at each 12 12-month anniversary, and are paid pro-rata monthly/annually in arrears. Therefore, if the value of your investment(s) totalled £50,000 our yearly fees would range from £250 to £500. The amount you pay will fluctuate with the value of your investment; if your investment increases in value the amount you pay us will also increase and if your investment falls in value the amount you pay us will reduce. Any change to the level of services throughout this agreement will result in pro-rata charge being applied. The charges listed above can be deducted from your investments or paid directly by you. You should note that when paid though the investments it may reduce your personal tax thresholds and/or exemption levels. Where this happens we will discuss it with you and confirm it in your personal recommendation report. It should be noted that if you choose any of our ongoing management services they are subject to a minimum fee per annum. Transactional only Level 3: £Nil 250 Level 3 2: £150 500 Level 2 £750 Level 1 1: £1000 Example 1; if your investments are valued at £50,000 and you have selected Xxxxx 0 (0.5%) the Where we agree to provide ongoing management fee we would receive is £250. Example 2; if your investments are valued at £120,000 and you have selected Xxxxx 0 (0.75%) the ongoing management fee we would receive is £900. As this is equal to the minimum ongoing service fee no other charges would be applied. If you wish to pay directly services you can spread the payment over a 12 month period we can arrange for a standing order to be set up on a monthly basis at 1/12 of the fee agreed. Should you decide choose to cancel our agreement to provide on-going services you must provide this at any time by providing us with written confirmation of your decision and we will decision. Payments would then cease payments for these services within 7 business days and or after collection of any due proportion of any period chargescharges if later. *The charges listed above can be deducted from your investments or paid directly by you* Please be aware the amount of the annual on-going charge will increase as the value of the funds grow. We will issue an invoice within 7 days of your policy anniversary, which can either be paid directly by you or deducted from your investment. We must receive full payment of the invoice amount within 30 days unless you have elected to have it deducted directly from your plan. This payment can be deducted from your investment or if you wish to pay us directly you can spread this over 4 payments or a standing order can be set up on a quarterly basis for the fee agreed. Our Non-Investment Insurance Services and Costs (Protection, General Assurance) Similar to our investment services above, we will provide you with a personal and financial review prior to making our recommendation(s) to you. Should you accept our recommendation(s) we will arrange the implementation of this/these for you. The reasons for our recommendations will also be provided to you in a written report. We do not charge a fee for our insurance and protection services as we will normally receive commission from the policy provider. You will not be subject to VAT for this service.

Ongoing Reviews and Changes to Existing Investments. We will discuss the full range of our on-going services during our initial consultation. These services include, but are not limited to, providing you with: • structured reviews to give you peace of mind; • an assessment of your circumstances and any changes to your plans that are needed; • regular updates and information regarding your holdings; • a choice of differing levels of support depending on your needs; • ongoing on-going support with correspondence and administration issues. Details of these different levels of services are contained in our Service Proposition and Engagement document& Engagement. We will agree separately the level of on-going services at the time of, or prior to, making our recommendation(s) to you. Typically our costs range from 0.5% to 1% per annum and are based on the value of your investment(s) at each 12 month anniversary). This could be paid monthly, and are paid pro-rata in arrearsquarterly, half- yearly or yearly. Therefore, if the value of your investment(s) totalled £50,000 100,000 our yearly fees would range from £250 500 to £5001,000. The amount you pay will fluctuate with the value of your investment; if your investment increases in value the amount you pay us will also increase and if your investment falls in value the amount you pay us will reduce. Any change to the level of services throughout this agreement will result in pro-rata charge being applied. The charges listed above can be deducted from your investments or paid directly by you. You should note that when paid though through the investments it may reduce your personal tax thresholds and/or exemption levels. Where this happens we will discuss it with you and confirm it in your personal recommendation report. It should be noted that if you choose any of our ongoing management services services, they are subject to a minimum fee per annumfor each Service Proposition. Transactional only £Nil Level 3 Xxxxx 0 0.5% per annum, subject to a minimum fee of £150 1,000 per annum Clever Adviser 1% per annum, subject to a minimum of £1,000 per annum Level 2 0.75% per annum, subject to a minimum fee of £750 Level 1 £1000 per annum Example 1; : if your investments are valued at £50,000 and you have selected Xxxxx 0 (0.5%) the ongoing management fee we would receive is £250. Example 2; if your investments are valued at £120,000 25,000 and you have selected Xxxxx 0 (0.75%) ), the ongoing on-going management fee we would receive is £900187.50. As this is less than the minimum on-going service fee of £750, we would charge you £562.50 as the balance. Example 2: if your investments are valued at £100,000 and you have selected Xxxxx 0 (0.75%), the on-going management fee we would receive is £750. As this is equal to the minimum ongoing on- going service fee no other charges would be applied. If you wish to pay directly you can spread the payment over a 12 month period we can arrange for a standing order to be set up on a monthly basis at 1/12 of the fee agreed. Should you decide to cancel our agreement to provide on-going services you must provide written confirmation of your decision and we will cease payments for these services within 7 business working days and after collection of any due proportion of any period charges.

Ongoing Reviews and Changes to Existing Investments. We will discuss the full range of our on-going services during our initial consultation. These services include, but are not limited to, providing you with: • structured reviews to give you peace of mind; • an assessment of your circumstances and any changes to your plans that are needed; • regular updates and information regarding your holdings; • a choice of differing levels of support depending on your needs; • ongoing support with correspondence and administration issues. Details of these different levels of services are contained in our Service Proposition and Engagement document. We will agree separately the level of on-going services at the time of, or prior to, making our recommendation(s) to you. Typically our costs range from 0.5% to 1% per annum and are based on the value of your investment(s) at each 12 month anniversary, and are paid pro-rata in arrears. Therefore, if the value of your investment(s) totalled £50,000 100,000 our yearly fees would range from £250 500 to £5001,000. The amount you pay will fluctuate with the value of your investment; if your investment increases in value the amount you pay us will also increase and if your investment falls in value the amount you pay us will reduce. Any change to the level of services throughout this agreement will result in pro-rata charge being applied. The charges listed above can be deducted from your investments or paid directly by you. You should note that when paid though through the investments it may reduce your personal tax thresholds and/or exemption levels. Where this happens we will discuss it with you and confirm it in your personal recommendation report. It should be noted that if you choose any of our ongoing management services they are subject to a minimum fee per annum. Transactional only and Workplace Pension Advice only £Nil Level 3 1 £150 2500 Level 2 £750 800 Level 1 3 £1000 400 Example 1; if your investments are valued at £50,001 and you have selected Xxxxx 0 (0.75%) the ongoing management fee we would receive is £375. As this less than the minimum ongoing service fee we would charge you the balance of £425, as detailed under Our Investment Services and Costs. Total fee £800. Example 2; if your investments are valued at £50,000 and you have selected Xxxxx 0 (0.5%) the ongoing management fee we would receive is £250. Example 2; if your investments are valued at £120,000 and you have selected Xxxxx 0 (0.75%) the ongoing management fee we would receive is £900. As this is equal to less than the minimum ongoing service fee no other charges we would be appliedcharge you £150 as the balance. If you wish to pay directly you can spread the payment over a 12 month period we can arrange for a standing order to be set up on a monthly basis at 1/12 of the Total fee agreed. Should you decide to cancel our agreement to provide on-going services you must provide written confirmation of your decision and we will cease payments for these services within 7 business days and after collection of any due proportion of any period charges£400.

Ongoing Reviews and Changes to Existing Investments. We will discuss the full range of our on-going services during our initial consultation. These services include, but are not limited to, providing you with: • structured annual reviews to give you peace of mind; . • an Regular assessment of your current circumstances and any changes to your plans that are needed; . • regular updates and information regarding your holdings; holdings along with any recommended changes. • a choice of differing levels of support depending on your needs; • ongoing going support with correspondence and administration issues. Details Full details of these different levels of our on going services are contained in our Service Proposition and Engagement documentTerms of Engagement. We will agree separately the level provision of on-our on going services with you at the time of, or prior to, making our recommendation(s) to you. Typically our costs range from 0.5% to 1Our cost is 0.75% per annum and are is based on the value of your investment(s) at each 12 month anniversary, and are is paid pro-rata in arrears. It should be noted that if you choose our on going management services you are subject to a minimum fee of £750.00 per annum. Therefore, if the value of your investment(s) totalled £50,000 50,000.00 our yearly fees would range from be £250 to £500750.00. The amount you pay will fluctuate with the value of your investment; if your investment increases in value the amount you pay us will also increase and if your investment falls in value the amount you pay us will reduce. Any change to the level of services throughout this agreement will result in pro-rata charge being applied. The charges listed above can be deducted from your investments or paid directly by you. You should note that when paid though through the investments it may reduce your personal tax thresholds and/or exemption levels. Where this happens we will discuss it with you and confirm it in your personal recommendation report. It should be noted that if you choose any of our ongoing management services they are subject to a minimum fee per annum. Transactional only £Nil Level 3 £150 Level 2 £750 Level 1 £1000 Example 1; if your investments are valued at £50,000 and you have selected Xxxxx 0 (0.5%) the ongoing management fee we would receive is £250. Example 2; if your investments are valued at £120,000 and you have selected Xxxxx 0 (0.75%) the ongoing management fee we would receive is £900. As this is equal to the minimum ongoing service fee no other charges would be applied. If you wish to pay directly you can spread the payment over a 12 month period and we can arrange for a standing order to be set up on a monthly basis at 1/12 of the fee agreed. Should you decide to cancel our agreement to provide on-going services you must provide written confirmation of your decision and we will cease payments for these services within 7 business 30 days and after collection of any due proportion of any period charges. Our charges are guaranteed not to increase within the first 12 months of your contract with us. Should we need to increase our charges after this period, you will be given notice of this fact and the opportunity to decide whether to continue with the revised level of charges.

Ongoing Reviews and Changes to Existing Investments. We will discuss the full range of our on-going services during our initial consultation. These services include, but are not limited to, providing you with: • structured Structured reviews to give you peace of mind; . • an assessment Assessment of your circumstances and any changes to your plans that are needed; . • regular Regular updates and information regarding your holdings; . • a A choice of differing levels of support depending on your needs; . • ongoing Ongoing support with correspondence and administration issues. Details of these different levels of services are contained in our Service Proposition and Engagement document. We will agree separately the level of on-going services at the time of, or prior to, making our recommendation(s) to you. Typically Typically, our costs range from 0.5% to 1% per annum and are based on the value of your investment(s) at each 12 12-month anniversary, and are paid pro-rata monthly/annually in arrears. Therefore, if the value of your investment(s) totalled £50,000 our yearly fees would range from £250 to £500. The amount you pay will fluctuate with the value of your investment; if your investment increases in value the amount you pay us will also increase and if your investment falls in value the amount you pay us will reduce. Any change to the level of services throughout this agreement will result in pro-rata charge being applied. The charges listed above can be deducted from your investments or paid directly by you. You should note that when paid though the investments it may reduce your personal tax thresholds and/or exemption levels. Where this happens we will discuss it with you and confirm it in your personal recommendation report. It should be noted that if you choose any of our ongoing management services they are subject to a minimum fee per annum. Transactional only Level 3: £Nil 250 Level 3 2: £150 500 Level 2 £750 Level 1 1: £1000 Example 1; if your investments are valued at £50,000 and you have selected Xxxxx 0 (0.5%) the Where we agree to provide ongoing management fee we would receive is £250. Example 2; if your investments are valued at £120,000 and you have selected Xxxxx 0 (0.75%) the ongoing management fee we would receive is £900. As this is equal to the minimum ongoing service fee no other charges would be applied. If you wish to pay directly services you can spread the payment over a 12 month period we can arrange for a standing order to be set up on a monthly basis at 1/12 of the fee agreed. Should you decide choose to cancel our agreement to provide on-going services you must provide this at any time by providing us with written confirmation of your decision and we will decision. Payments would then cease payments for these services within 7 business days and or after collection of any due proportion of any period chargescharges if later. *The charges listed above can be deducted from your investments or paid directly by you* Please be aware the amount of the annual on-going charge will increase as the value of the funds grow. We will issue an invoice within 7 days of your policy anniversary, which can either be paid directly by you or deducted from your investment. We must receive full payment of the invoice amount within 30 days unless you have elected to have it deducted directly from your plan. This payment can be deducted from your investment or if you wish to pay us directly you can spread this over 4 payments or a standing order can be set up on a quarterly basis for the fee agreed. Our Non-Investment Insurance Services and Costs (Protection, General Assurance) Similar to our investment services above, we will provide you with a personal and financial review prior to making our recommendation(s) to you. Should you accept our recommendation(s) we will arrange the implementation of this/these for you. The reasons for our recommendations will also be provided to you in a written report. We do not charge a fee for our insurance and protection services as we will normally receive commission from the policy provider. You will not be subject to VAT for this service.

Ongoing Reviews and Changes to Existing Investments. We will discuss the full range of our on-going services during our initial consultation. These services include, but are not limited to, providing you with: • structured reviews to give you peace of mind; • an assessment of your circumstances and any changes to your plans that are needed; • regular updates and information regarding your holdings; • a choice of differing levels of support depending on your needs; • ongoing Ongoing support with correspondence and administration issues. Details of these different levels of services are contained in our Service Proposition and Engagement document. We will agree separately the level of on-going services at the time of, or prior to, making our recommendation(s) to you. Typically our costs range from 0.5% to 1% per annum and are based on the value of your investment(s) at each 12 month anniversary, and are paid pro-rata monthly/annually in arrears. Therefore, if the value of your investment(s) totalled £50,000 our yearly fees would range from £250 to £500. The amount you pay will fluctuate with the value of your investment; if your investment increases in value the amount you pay us will also increase and if your investment falls in value the amount you pay us will reduce. Any change to the level of services throughout this agreement will result in pro-rata charge being applied. The charges listed above can be deducted from your investments or paid directly by you. You should note that when paid though the investments it may reduce your personal tax thresholds and/or exemption levels. Where this happens we will discuss it with you and confirm it in your personal recommendation report. It should be noted that if you choose any of our ongoing management services they are subject to a minimum fee per annum. Bronze Transactional only £ by agreement Silver - £Nil Level 3 750.00 Gold – £150 Level 2 1,000.00 Platinum - £750 Level 1 £1000 Example 1; if your investments are valued at £50,000 and you have selected Xxxxx 0 (0.5%) the 2,000.00 Where we agree to provide ongoing management fee we would receive is £250. Example 2; if your investments are valued at £120,000 and you have selected Xxxxx 0 (0.75%) the ongoing management fee we would receive is £900. As this is equal to the minimum ongoing service fee no other charges would be applied. If you wish to pay directly services you can spread the payment over a 12 month period we can arrange for a standing order to be set up on a monthly basis at 1/12 of the fee agreed. Should you decide choose to cancel our agreement to provide on-going services you must provide this at any time by providing us with written confirmation of your decision and we will decision. Payments would then cease payments for these services within 7 business days and or after collection of any due proportion of any period chargescharges if later. *The charges listed above can be deducted from your investments or paid directly by you* Cancellation rights 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 period for a life, pure protection, payment protection or pension policy and a 14 day cancellation period for all other policies. For pure protection policies the 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 Contribution 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. VAT Under current legislation our services are not subject to VAT but should this change in future, and where VAT becomes due, we will notify you before conducting any further work. (Advice only firms should clarify their position accordingly) Client money Frobisher Capital Ltd is not permitted to handle 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.

Ongoing Reviews and Changes to Existing Investments. We will discuss the full range of our on-going services during our initial consultation. These services include, but are not limited to, providing you with: •  structured reviews to give you peace of mind; •  an assessment of your circumstances and any changes to your plans that are needed; •  regular updates and information regarding your holdings; •  a choice of differing levels of support depending on your needs; • ongoing  Ongoing support with correspondence and administration issues. Details of these different levels of services are contained in our Service Proposition and Engagement document. We will agree separately the level of on-going services at the time of, or prior to, making our recommendation(s) to you. Typically our costs range from 0.5% to 1Our charge is 0.75% per annum and are is based on the value of your investment(s) at each 12 month anniversary, and are is paid pro-rata in arrears. Therefore, if the value of your investment(s) totalled £50,000 100,000 our yearly fees would range from be £250 to £500750. The amount you pay will fluctuate with the value of your investment; if your investment increases in value the amount you pay us will also increase and if your investment falls in value the amount you pay us will reduce. Any change to the level of services throughout this agreement will result in pro-rata charge being applied. The charges listed charge above can be deducted from your investments or paid directly by you. You should note that when paid though the investments it may reduce your personal tax thresholds and/or exemption levels. Where this happens we will discuss it with you and confirm it in your personal recommendation report. It should be noted that if you choose any of our ongoing management services they are subject to a minimum fee per annum. Transactional only £Nil Level 3 Wealth £150 Level 2 500 Wealth Plus £750 Level 1 Wealth Master £1000 1125 Example 1; if your investments are valued at £50,000 and you have selected Xxxxx 0 (0.5%) ‘Wealth’ the ongoing management fee we would receive is £250. Example 2; if your investments are valued at £120,000 and you have selected Xxxxx 0 (0.75%) the ongoing management fee we would receive is £900375. As this is equal to less than the minimum ongoing service fee no other charges we would be applied. If charge you wish to pay directly you can spread £125 as the payment over a 12 month period we can arrange for a standing order to be set up on a monthly basis at 1/12 of the fee agreed. Should you decide to cancel our agreement to provide on-going services you must provide written confirmation of your decision and we will cease payments for these services within 7 business days and after collection of any due proportion of any period chargesbalance.

Ongoing Reviews and Changes to Existing Investments. We will discuss the full range of our on-going services during our initial consultation. These services include, but are not limited to, providing you with: • structured reviews to give you peace of mind; • an assessment of your circumstances and any changes to your plans that are needed; • regular updates and information regarding your holdings; • a choice of differing levels of support depending on your needs; • ongoing support with correspondence and administration issues. Details of these different levels of services are contained in our Service Proposition and Engagement document. We will agree separately the level of on-going services at the time of, or prior to, making our recommendation(s) to you. Typically our costs range from 0.5% to 1% per annum and are based on the value of your investment(s) at each 12 month anniversary, and are paid pro-rata in arrears. Therefore, if the value of your investment(s) totalled £50,000 our yearly fees would range from £250 to £500. The amount you pay will fluctuate with the value of your investment; if your investment increases in value the amount you pay us will also increase and if your investment falls in value the amount you pay us will reduce. Any change to the level of services throughout this agreement will result in pro-rata charge being applied. The charges listed above can be deducted from your investments or paid directly by you. You should note that when paid though the investments it may reduce your personal tax thresholds and/or exemption levels. Where this happens we will discuss it with you and confirm it in your personal recommendation report. It should be noted that if you choose any of our ongoing management services they are subject to a minimum fee per annum. Transactional only £Nil Level 3 £150 500 Level 2 £750 Level 1 £1000 Example 1; if your investments are valued at £50,000 and you have selected Xxxxx 0 (0.5%) the ongoing management fee we would receive is £250. As this less than the minimum ongoing service fee we would charge you £250 as the balance. Example 2; if your investments are valued at £120,000 and you have selected Xxxxx 0 (0.75%) the ongoing management fee we would receive is £900. As this is equal to the minimum ongoing service fee no other charges would be applied. If you wish to pay directly you can spread the payment over a 12 month period we can arrange for a standing order to be set up on a monthly basis at 1/12 of the fee agreed. Should you decide to cancel our agreement to provide on-going services you must provide written confirmation of your decision and we will cease payments for these services within 7 business days and after collection of any due proportion of any period charges. Our Insurance and Protection Services and Costs Similar to our investment services above, we will provide you with a personal and financial review prior to making our recommendation(s) to you. Should you accept our recommendation(s) we will arrange the implementation of this/these for you. The reasons for our recommendations will also be provided to you in a written report. We do not charge a fee for our insurance and protection services as we will normally receive commission from the policy provider. You will not be subject to VAT for this service.

Ongoing Reviews and Changes to Existing Investments. We will discuss the full range of our on-going services during our initial consultation. These services include, but are not limited to, providing you with: • ■ structured reviews to give you peace of mind; • an ■ assessment of your circumstances and any changes to your plans that are needed; • regular updates and information regarding your holdings; • a choice of differing levels of support depending on your needs; • * ■ ongoing support with correspondence and administration issues. Details *implementation of these different levels any changes may be chargeable and will be agreed in advance The level of services are service is contained in our Service Proposition and Engagement documenton page 7. We will agree separately the level of on-going services at the time of, or prior to, making our recommendation(s) to you. Typically our costs range from 0.5% to 1Our charge is 0.50% per annum and are based on the value of your investment(s) at each 12 month anniversary, and are paid pro-rata in arrears. Therefore, if the value of your investment(s) totalled £50,000 our yearly fees would range from be £250 to £500250. The amount you pay will fluctuate with the value of your investment; if your investment increases in value the amount you pay us will also increase and if your investment falls in value the amount you pay us will reduce. Any change to the level of services throughout this agreement will result in pro-rata charge being applied. The charges listed above can be deducted from your investments or paid directly by you. You should note that when paid though through the investments it may reduce your personal tax thresholds and/or exemption levels. Where this happens we will discuss it with you and confirm it in your personal recommendation report. It should be noted that if you choose any of our ongoing management services they are Serviced Agreement it is subject to a minimum fee per annum. Transactional only £Nil Level 3 £150 Level 2 £750 Level 1 £1000 Example 1; if your investments are valued at £50,000 and you have selected Xxxxx 0 (0.5%) the ongoing management fee we would receive is £250. Example 2; if your investments are valued at £120,000 and you have selected Xxxxx 0 (0.75%) the ongoing management fee we would receive is £900. As this is equal to the minimum ongoing service fee no other charges would be applied. If you wish to pay directly you can spread the payment over a 12 month period we can arrange for a standing order to be set up on a monthly basis at 1/12 Serviced 0.50% of the fee agreed. investment(s) value subject to a minimum of £350.00 per annum Should you decide to cancel our agreement to provide on-going services you must provide written confirmation of your decision and we will cease payments for these services within 7 21 business days and after collection of any due proportion of any period charges. Our Protection Services and Costs Similar to our investment services above, we will provide you with a personal and financial review prior to making our recommendation(s) to you. Should you accept our recommendation(s) we will arrange the implementation of this/these for you. The reasons for our recommendations will also be provided to you in a written report. We do not normally charge a fee for our insurance and protection services as we will receive commission from the policy provider; however we reserve the right to charge a fee if the commission is less than £350. You will not be subject to VAT for this service.