Common use of Our Recommendations Clause in Contracts

Our Recommendations. Any advice or recommendation that we offer to you, will only be given after we have assessed your needs and considered your financial objectives and attitude to any risks that may be involved. We will also take into account any restrictions that you wish to place on the type of products you would be willing to consider. We will confirm our recommendations to you in a suitability report along with details of any special risks associated with the products recommended. Conflicts of Interest Any advice we provide will be in accordance with that disclosed in our initial disclosure document a copy of which I have provided you with. Occasions may arise where we or one of our clients have some form of interest in business being transacted by you. If this happens or we become aware that our interests or those of one of our clients conflict with your interests, we will write to you and obtain your consent before we carry out your instructions, and detail the steps we will take to ensure fair treatment. Service and Standards We are committed to providing the highest standard of financial advice and service. Your interests are very important to us and for any advice or service we provide we will:  be open, honest and transparent in the way we deal with you;  not place our interests above yours;  communicate clearly, promptly and without jargon; Our Investment Services and Costs I provided you with our disclosure document ‘about our services and costs’. You will recall that we comprehensively covered the content of this document which covers the services we provide and what they cost. You confirmed you fully understood this and were happy to proceed on the basis as confirmed within our service proposition agreement which you have signed. It is important that you keep the client agreement, service proposition and Disclosure document together and if you have any questions you contact us immediately. How we are paid We charge for our services by way of a fee. These fees are on a fixed fee basis. 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.

Our Recommendations. Any advice or recommendation that we offer to you, will only be given after we have assessed your needs and considered your financial objectives and attitude to any risks that may be involved. We will also take into account any restrictions that you wish to place on the type of products you would be willing to consider. We will confirm our recommendations to you in a suitability report along with details of any special risks associated with the products recommended. Conflicts of Interest Any advice we provide will be in accordance with that disclosed in our initial disclosure document a copy of which I have provided you with. Occasions may arise where we or one of our clients have some form of interest in business being transacted by you. If this happens or we become aware that our interests or those of one of our clients conflict with your interests, we will write to you and obtain your consent before we carry out your instructions, and detail the steps we will take to ensure fair treatment. Service and Standards We are committed to providing the highest standard of financial advice and service. Your interests are very important to us and for any advice or service we provide we will:  be - Be open, honest and transparent in the way we deal with you;  not , - Not place our interests above yours;  communicate , - Communicate clearly, promptly and promptly, without jargon; jargon using plain English where-ever possible. Our Investment Services and Costs I have provided you with our “combined disclosure document ‘about our services and costs’document”. You will recall that we comprehensively covered the content of this document which covers the services we provide and what they cost. You confirmed you fully understood this and were are happy to proceed on the basis as confirmed within our service proposition agreement which you have signedthis basis. It is important that you keep the this client agreement, service proposition and Disclosure document disclosure documents together and if you have any questions you questions, please contact us immediately. How we are paid We Are Paid We charge for our services by way of a feean Adviser charge. These fees are This charge is typically based on a fixed fee basispercentage of the amount you invest. 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.

Our Recommendations. Any advice or recommendation that we offer to you, will only be given after we have assessed your needs and considered your financial objectives and attitude to any risks that may be involved. We will also take into take-into-account any restrictions that you wish to place on the type of products you would be willing to consider. We will confirm our recommendations to you in a suitability report along with details of any special risks associated with the products recommended. Conflicts of Interest Any advice we provide will be in accordance with that disclosed in our initial disclosure document a copy of which I have provided you with. Occasions may arise where we or one of our clients have some form of interest in business being transacted by you. If this happens or we become aware that our interests or those of one of our clients client’s conflict with your interests, we will write to you and obtain your consent before we carry out your instructions, and detail the steps we will take to ensure fair treatment. Service and Standards We are committed to providing the highest standard of financial advice and service. Your interests are very important to us and for any advice or service we provide we will:  • be open, honest and transparent in the way we deal with you;  • not place our interests above yours;  • communicate clearly, promptly and without jargon; Our Investment Services and Costs I provided you with our Key Facts disclosure document ‘about our services and costs’. You will recall that we comprehensively covered the content of this document which covers the services we provide and what they cost. You confirmed you fully understood this and were happy to proceed on the basis as confirmed within our service proposition agreement which you have signed. It is important that you keep the client agreement, service proposition and Disclosure disclosure document together and if you have any questions you contact us immediately. How we are paid Mortgages: We charge for our services by way of an Adviser charge. By using us for the first time to arrange a fee. These fees are on a fixed fee basis. VAT Under current legislation our services are not subject to VAT but should this change in future, and where VAT becomes duemortgage or lend, we will notify you before conducting charge a “new to Fortress” broker fee of £595.00 which is payable on Mortgage Offer for the mortgage advice given. On any subsequent rounds of mortgage advice (for example, re-mortgage, further workpurchase or product switch), we will charge an “existing client” broker fee of £295, payable on offer of that mortgage. (Mortgage Offer is a formal offer from the proposed Mortgage Lender and legally binding on them after they have completed their checks including valuation and underwriting). We will also probably receive a procurement fee from the lender after completion, which will be disclosed when we know exactly what it will be.

Our Recommendations. Any advice or recommendation that we offer to you, will only be given after we have assessed your needs and considered your financial objectives and attitude to any risks that may be involved. We will also take into account any restrictions that you wish to place on the type of products you would be willing to consider. We will confirm our recommendations to you in a suitability report along with details of any special risks associated with the products recommended. Conflicts of Interest Any advice we provide will be in accordance with that disclosed in our initial disclosure document a copy of which I have provided you with. Occasions may arise where we or one of our clients have some form of interest in business being transacted by you. If this happens or we become aware that our interests or those of one of our clients conflict with your interests, we will write to you and obtain your consent before we carry out your instructions, and detail the steps we will take to ensure fair treatment. Service and Standards We are committed to providing the highest standard of financial advice and service. Your interests are very important to us and for any advice or service we provide we will:  • be open, honest and transparent in the way we deal with you;  • not place our interests above yours;  • communicate clearly, promptly and without jargon; Our Investment Services and Costs I provided you with our Key Facts disclosure document ‘about our services and costs’. You will recall that we comprehensively covered the content of this document which covers the services we provide and what they cost. You confirmed you fully understood this and were happy to proceed on the basis as confirmed within our service proposition agreement which you have signed. It is important that you keep the client agreement, service proposition and Disclosure CIDD document together and if you have any questions you contact us immediately. How we are paid We charge for our services by way of an Adviser charge. This charge is based on a percentage of the amount you invest. or We charge for our services by way of a fee. These fees are based on an hourly rate or We charge for our services by way of a fee. These fees are on a fixed fee basis. Or A combination 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.

Our Recommendations. Any advice or recommendation that we offer to you, will only be given after we have assessed your needs and considered your financial objectives and attitude to any risks that may be involved. We will also take into account any restrictions that you wish to place on the type of products you would be willing to consider. We will confirm our recommendations to you in a suitability report summary of recommendations along with details of any special risks associated with the products recommended. Conflicts of Interest Any advice we provide will be in accordance with that disclosed in our initial disclosure document a copy of which I have provided you with. Occasions may arise where we or one of our clients have some form of interest in business being transacted by you. If this happens or we become aware that our interests or those of one of our clients conflict with your interests, we will write to you and obtain your consent before we carry out your instructions, and detail the steps we will take to ensure fair treatment. Service and Standards We are committed to providing the highest standard of financial advice and service. Your interests are very important to us and for any advice or service we provide we will:  • be open, honest and transparent in the way we deal with you;  • not place our interests above yours;  • communicate clearly, promptly and without jargon; Our Investment Services and Costs I provided you with our Key Facts disclosure document ‘about our services and costs’. You will recall that we comprehensively covered the content of this document which covers the services we provide and what they cost. You confirmed you fully understood this and were happy to proceed on the basis as confirmed within our service proposition agreement which you have signed. It is important that you keep the client agreementClient Agreement, service proposition Value Service Proposition and Key Facts Disclosure document together and if you have any questions you contact us immediately. How we are paid We charge for our services by way of a feean Adviser charge. These fees are This charge is based on a fixed fee basispercentage of the amount you invest. 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.

Our Recommendations. Any advice or recommendation that we offer to you, you will only be given after we have assessed your needs and considered your financial objectives and attitude to any risks that may be involved. We will also take into account any restrictions that you wish to place on the type of products you would be willing to consider. We will confirm our recommendations to you in a suitability report along with details of any special risks associated with the products recommended. Conflicts of Interest Any advice we provide will be in accordance with that disclosed in our initial disclosure Key Facts ‘about our cost and services’ document a copy of which I have provided you withto you. Occasions may arise where we or one of our clients have some form of interest in business being transacted by you. If this happens or we become aware that our interests or those of one of our clients client’s conflict with your interests, we will write to you and obtain your consent before we carry out your instructions, and detail the steps we will take to ensure fair treatment. Service and Standards We are committed to providing the highest standard of financial advice and service. Your interests are very important to us and for any advice or service we provide we willwewill:  • be open, honest and transparent in the way we deal with youwithyou;  • not place our interests above yours;  • communicate clearly, promptly and without jargon; jargon Our Investment Services and Costs I have provided you with our disclosure document Key Facts ‘about our services and costs’. You will recall that we comprehensively covered discussed the content of this document which covers the services we provide and what they cost. You xxxx.Xxx confirmed you fully understood this and were happy to proceed on the basis as confirmed within our service proposition Valued Service Proposition agreement which you have signed. It is important that you keep this Client Agreement; Valued Service Proposition; Key Facts ‘about our services and costs’ and the client agreement, service proposition and Disclosure document Privacy Terms together and if you have any questions you should contact us immediately. How we are paid Paid We charge for our services by way of an Adviser charge. This charge is based on a percentage of the amount you invest. or We charge for our services by way of a fee. These fees are based on an hourly rate. or We charge for our services by way of a fee. These fees are on a fixed fee basis. VAT Under current legislation the majority of our services are not subject to VAT but should this change in future, future and where VAT becomes due, we will notify you before conducting any further work.

Our Recommendations. Any advice or recommendation that Before providing advice, we offer to youwill assess your needs, will only be given after we have assessed your needs and considered consider your financial objectives and assess your attitude to any risks that may be involved. We will also take into account any restrictions If you don’t want to discuss a particular area of financial planning and that area should not form part of the advice given, we can exclude it, if you wish instruct us to place do so. This might of course have a bearing on the type of products you would be willing advice that might have been given. Before making any recommendations, we will carry out a suitability assessment so that we are able to consideract in your best interests. We will confirm any recommendations we make in writing (our recommendations to you in a suitability report report) along with details of any special risks that may be associated with the products or investment strategies we’ve recommended. Full details of the products we recommend to you including for example, the minimum duration of the product, information on your right to cancel or whether no right to cancel exists, and any other termination rights and penalties will be covered in the relevant disclosure information you will receive before conclusion of any contract. Where we agree to provide you with a service that includes an ongoing review of the suitability of the investments we have recommended, we will carry out this review at least annually. To do this we will need to make contact with you to assess whether the information we hold about you remains accurate and up to date. We will issue you with a report setting out the results of our assessment and, if relevant, any updated recommendations. Please be aware that investments can fall, as well as rise, and that you may not get back the full amount invested. The price of investments we may recommend may depend on fluctuations in the financial markets, or other economic factors, which are outside our control. Past performance is not necessarily a guide to future performance. Specific warnings relevant to the investments, investment strategies or other products we arrange are provided in the relevant product literature provided. Financial Crime We are obliged to put in place controls to prevent our business from being used for money laundering and other forms of financial crime. We will verify your identity before undertaking any business with you. To do this 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. The check may leave a ‘footprint’ on your credit file but it will not affect your credit rating. Best Execution Where we send investment applications on your behalf to third parties (e.g. to put an investment into force), we will take all sufficient steps to ensure that we obtain the best possible result for you. This is referred to as ‘best execution’. We have a best execution policy. If you want to see a copy of it please ask us. Conflicts of Interest Any advice Although we provide will always try to act in your best interests there may be in accordance with that disclosed in our initial disclosure document a copy of which I have provided you with. Occasions may arise situations where we or one of our other clients have has some form of interest in the business being transacted by for you. If this happens or we become aware that our interests or those of one of our other clients conflict with your own interests, we will write to you and obtain ask for your consent to proceed before we carry out your instructions, and detail any business for you. We will also let you know the steps we will take to make sure you are treated fairly. We have a conflicts of interest policy. If you want to see a copy of it, please ask us. Communicating with you We may communicate with you by telephone, text, skype, post, e-mail or in person. In certain circumstances, we may ask you to confirm any instructions in writing prior to implementation as this helps to avoid any future misunderstandings. All our communications with you will be in English. To ensure fair treatment. Service we carry out your instructions accurately, to help us to continually improve our service and Standards We are committed to providing the highest standard of financial advice and service. Your interests are very important to us and for any advice or service we provide we will:  be open, honest and transparent in the way we deal with you;  not place our interests above yours;  communicate clearly, promptly and without jargon; Our Investment Services and Costs I provided you with our disclosure document ‘about our services and costs’. You will recall that we comprehensively covered the content interest of this document which covers the services we provide and what they cost. You confirmed you fully understood this and were happy to proceed on the basis as confirmed within our service proposition agreement which you have signed. It is important that you keep the client agreement, service proposition and Disclosure document together and if you have any questions you contact us immediately. How we are paid We charge for our services by way of a fee. These fees are on a fixed fee basis. VAT Under current legislation our services are not subject to VAT but should this change in future, and where VAT becomes duesecurity, we will notify you before conducting any further workrecord and may monitor your communications with us.

Our Recommendations. Any advice or recommendation that we offer to you, will only be given after we have assessed your needs and considered your financial objectives and attitude to any risks that may be involved. We will also take into account any restrictions that you wish to place on the type of products you would be willing to consider. We will confirm our recommendations to you in a suitability report along with details of any special risks associated with the products recommended. Conflicts of Interest Any advice we provide will be in accordance with that disclosed in our initial disclosure document a copy of which I have provided you with. Occasions may arise where we or one of our clients have some form of interest in business being transacted by you. If this happens or we become aware that our interests or those of one of our clients conflict with your interests, we will write to you and obtain your consent before we carry out your instructions, and detail the steps we will take to ensure fair treatment. Service and Standards We are committed to providing the highest standard of financial advice and service. Your interests are very important to us and for any advice or service we provide we will:  be open, honest and transparent in the way we deal with you;  not place our interests above yours;  communicate clearly, promptly and without jargon; Our Investment Services and Costs I provided you with our Key Facts disclosure document ‘about our services and costs’. You will recall that we comprehensively covered the content of this document which covers the services we provide and what they cost. You confirmed you fully understood this and were happy to proceed on the basis as confirmed within our service proposition agreement which you have signed. It is important that you keep the client agreement, service proposition and Disclosure CIDD document together and if you have any questions you contact us immediately. How we are paid We charge for our services by way of an Adviser charge. This charge is based on a percentage of the amount you invest. or We charge for our services by way of a fee. These fees are based on an hourly rate or We charge for our services by way of a fee. These fees are on a fixed fee basis. 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.

Our Recommendations. Any advice or recommendation that we offer to you, will only be given after we have assessed your needs and considered your financial objectives and attitude to any risks that may be involved. We will also take into account any restrictions that you wish to place on the type of products you would be willing to consider. We will confirm our recommendations to you in a suitability report along with details of any special risks associated with the products recommended. Conflicts of Interest Any advice we provide will be in accordance with that disclosed in our initial disclosure document a copy of which I have provided you with. Occasions may arise where we or one of our clients have some form of interest in business being transacted by you. If this happens or we become aware that our interests or those of one of our clients conflict with your interests, we will write to you and obtain your consent before we carry out your instructions, and detail the steps we will take to ensure fair treatment. Service and Standards We are committed to providing the highest standard of financial advice and service. Your interests are very important to us and for any advice or service we provide we will:  be open, honest and transparent in the way we deal with you;  not place our interests above yours;  communicate clearly, promptly and without jargon; Our Investment Services and Costs I provided you with our disclosure document ‘about our services and costs’. You will recall that we comprehensively covered the content of this document which covers the services we provide and what they cost. You confirmed you fully understood this and were happy to proceed on the basis as confirmed within our service proposition agreement which you have signed. It is important that you keep the client agreement, service proposition and Disclosure document together and if you have any questions you contact us immediately. How we are paid We charge for our services by way of a feean Adviser charge. These fees are This charge is based on a fixed fee basispercentage of the amount you invest. 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.

Our Recommendations. Any advice or recommendation that we offer to you, will only be given after we have assessed your needs and considered your financial objectives and attitude to any risks that may be involved. We will also take into account any restrictions that you wish to place on the type of products you would be willing to consider. We will confirm our recommendations to you in a suitability report along with details of any special risks associated with the products recommended. Conflicts of Interest Any advice we provide will be in accordance with that disclosed in our initial disclosure document a copy of which I have provided you with. Occasions may arise where whe e we or one of our clients have some form of interest in business being transacted by you. If this happens or we become aware a are that our interests or those of one of our clients conflict with your interests, we will write to you and obtain your consent before we carry out your instructions, and detail the steps s teps we will take to ensure fair treatment. Service and Standards We are committed to providing the highest standard of financial advice and service. Your interests are very important to us and for any advice or service we provide we w will:  be open, honest and transparent in the way we deal with you;  not place our interests above yours;  communicate clearly, promptly and without jargon; Our Investment Services and Costs I provided you with our Key Facts disclosure document ‘about our services and costs’. You will recall that we comprehensively covered the content of this document which covers the services we provide and what they cost. You confirmed you fully understood this and were happy to proceed on the basis as confirmed within our service proposition agreement which you have signed. It is important that you keep the client agreement, service proposition and Disclosure CID D document together and if you have any questions you y u contact us immediately. How we are paid We charge for our services by way of an Adviser charge. This charge is based on a percentage of the amount you invest. or We charge for our services by way of a fee. These fees are on a fixed fee basis. 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.

Our Recommendations. Any advice or recommendation that we offer to you, will only be given after we have assessed your needs and considered your financial objectives and attitude to any risks that may be involved. We will also take into account any restrictions that you wish to place on the type of products you would be willing to consider. We will confirm our recommendations to you in a suitability report along with details of any special risks associated with the products recommended. Conflicts of Interest Any advice we provide will be in accordance with that disclosed in our initial disclosure document a copy of which I have provided you with. Occasions may arise where we or one of our clients have some form of interest in business being transacted by you. If this happens or we become aware that our interests or those of one of our clients conflict with your interests, we will write to you and obtain your consent before we carry out your instructions, and detail the steps we will take to ensure fair treatment. Service and Standards We are committed to providing the highest standard of financial advice and service. Your interests are very important to us and for any advice or service we provide we will:  • be open, honest and transparent in the way we deal with you;  • not place our interests above yours;  • communicate clearly, promptly and without jargon; Our Investment Services and Costs I provided you with our Key Facts disclosure document ‘about our services and costs’. You will recall that we comprehensively covered the content of this document which covers the services we provide and what they cost. You confirmed you fully understood this and were happy to proceed on the basis as confirmed within our service proposition agreement which you have signed. It is important that you keep the client agreement, service proposition and Disclosure CIDD document together and if you have any questions you contact us immediately. How we are paid We charge for our services by way of a feean Adviser charge. These fees are This charge is based on a fixed fee basispercentage of the amount you invest. 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.

Our Recommendations. Any advice or recommendation that we offer to you, will only be given after we have assessed your needs and considered your financial objectives and attitude to any risks that may be involved. We will also take into account any restrictions that you wish to place on the type of products you would be willing to consider. We will confirm our recommendations to you in a suitability report along with details of any special risks associated with the products recommended. Conflicts of Interest Any advice we provide will be in accordance with that disclosed in our initial disclosure document a copy of which I have provided you with. Occasions may arise where we or one of our clients have some form of interest in business being transacted by you. If this happens or we become aware that our interests or those of one of our clients conflict with your interests, we will write to you and obtain your consent before we carry out your instructions, and detail the steps we will take to ensure fair treatment. Service and Standards We are committed to providing the highest standard of financial advice and service. Your interests are very important to us and for any advice or service we provide we will:  be open, honest and transparent in the way we deal with you;  not place our interests above yours;  communicate clearly, promptly and without jargon; Our Investment Services and Costs I provided you with our Key Facts disclosure document ‘about our services and costs’. You will recall that we comprehensively covered the content of this document which covers the services we provide and what they cost. You confirmed you fully understood this and were happy to proceed on the basis as confirmed within our service proposition agreement which you have signed. It is important that you keep the client agreement, service proposition and Disclosure CIDD document together and if you have any questions you contact us immediately. How we are paid We charge for our services by way of a feean Adviser charge. These fees are This charge is based on a fixed fee basispercentage of the amount you invest. 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.

Our Recommendations. Any advice or recommendation that we offer to you, will only be given after we have assessed your needs and considered your financial objectives and attitude to any risks that may be involved. We will also take into account any restrictions that you wish to place on the type of products you would be willing to consider. We will confirm our recommendations to you in a suitability report along with details of any special risks associated with the products recommended. Conflicts of Interest Any advice we provide will be in accordance with that disclosed in our initial disclosure document a copy of which I have provided you with. Occasions may arise where we or one of our clients have some form of interest in business being transacted by you. If this happens or we become aware that our interests or those of one of our clients conflict with your interests, we will write to you and obtain your consent before we carry out your instructions, and detail the steps we will take to ensure fair treatment. Service and Standards We are committed to providing the highest standard of financial advice and service. Your interests are very important to us and for any advice or service we provide we will:  • be open, honest and transparent in the way we deal with you;  • not place our interests above yours;  • communicate clearly, promptly and without jargon; Our Investment Services and Costs I provided you with our disclosure document ‘about our services and costs’. You will recall that we comprehensively covered the content of this document which covers the services we provide and what they cost. You confirmed you fully understood this and were happy to proceed on the basis as confirmed within our service proposition agreement which you have signed. It is important that you keep the client agreement, service proposition and Disclosure document together and if you have any questions you contact us immediately. How we are paid We charge for our services by way of an Adviser charge. This charge is based on a percentage of the amount you invest. Under certain circumstances, we can charge for our services by way of a fee. These fees are based on a fixed fee basis. VAT Under current legislation our services are not an hourly rate and will be subject to VAT but should this change in future, and where VAT becomes due, we will notify you before conducting any further workour client Fee Agreement (available on request).

Our Recommendations. Any advice or recommendation that we offer to you, will only be given after we have assessed your needs and considered your financial objectives and attitude to any risks that may be involved. We will also take into account any restrictions that you wish to place on the type of products you would be willing to consider. We will confirm our recommendations to you in a suitability report along with details of any special risks associated with the products recommended. Conflicts of Interest Any advice we provide will be in accordance with that disclosed in our initial disclosure document a copy of which I have provided you with. Occasions may arise where we or one of our clients have some form of interest in business being transacted by you. If this happens or we become aware that our interests or those of one of our clients conflict with your interests, we will write to you and obtain your consent before we carry out your instructions, and detail the steps we will take to ensure fair treatment. Service and Standards We are committed to providing the highest standard of financial advice and service. Your interests are very important to us and for any advice or service we provide we will:  • be open, honest and transparent in the way we deal with you;  • not place our interests above yours;  • communicate clearly, promptly and without jargon; Our Investment Services and Costs I provided you with our disclosure document ‘about our services and costs’. You will recall that we comprehensively covered the content of this document which covers the services we provide and what they cost. You confirmed you fully understood this and were happy to proceed on the basis as confirmed within our service proposition agreement which you have signed. It is important that you keep the client agreement, service proposition and Disclosure document together and if you have any questions you contact us immediately. How we are paid We charge for our services by way of a feean Adviser charge. These fees are This charge is based on a fixed fee basispercentage of the amount you invest. 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.

Our Recommendations. Any advice or recommendation that we offer to you, will only be given after we have assessed your needs and considered your financial objectives and attitude to any risks that may be involved. We will also take into account any restrictions that you wish to place on the type of products you would be willing to consider. We will confirm our recommendations to you in a suitability report along with details of any special risks associated with the products recommended. Conflicts of Interest Any advice we provide will be in accordance with that disclosed in our initial disclosure document a copy of which I have provided you with. Occasions may arise where we or one of our clients have some form of interest in business being transacted by you. If this happens or we become aware that our interests or those of one of our clients conflict with your interests, we will write to you and obtain your consent before we carry out your instructions, and detail the steps we will take to ensure fair treatment. Service and Standards We are committed to providing the highest standard of financial advice and service. Your interests are very important to us and for any advice or service we provide we will:  • be open, honest and transparent in the way we deal with you;  • not place our interests above yours;  • communicate clearly, promptly and without jargon; Our Investment Services and Costs I provided you with our disclosure document ‘about our services and costs’. You will recall that we comprehensively covered the content of this document which covers the services we provide and what they cost. You confirmed you fully understood this and were happy to proceed on the basis as confirmed within our service proposition agreement which you have signed. It is important that you keep the client agreement, service proposition and Disclosure document together and if you have any questions you contact us immediately. How we are paid We charge for our services by way of an Adviser charge. This charge is based on a percentage of the amount you invest. Or, We charge for our services by way of a fee. These fees are based on an hourly rate. Or, We charge for our services by way of a fee. These fees are on a fixed fee basis. 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.

Our Recommendations. Any advice or recommendation that we offer to you, will only be given after we have assessed your needs and considered your financial objectives and attitude to any risks that may be involved. We will also take into account any restrictions that you wish to place on the type of products you would be willing to consider. We will confirm our recommendations to you in a suitability report along with details of any special risks associated with the products recommended. Conflicts of Interest Any advice we provide will be in accordance with that disclosed in our initial disclosure document a copy of which I have provided you with. Occasions may arise where we or one of our clients have some form of interest in business being transacted by you. If this happens or we become aware that our interests or those of one of our clients conflict with your interests, we will write to you and obtain your consent before we carry out your instructions, and detail the steps we will take to ensure fair treatment. Service and Standards We are committed to providing the highest standard of financial advice and service. Your interests are very important to us and for any advice or service we provide we will:  be open, honest and transparent in the way we deal with you;  not place our interests above yours;  communicate clearly, promptly and without jargon; Our Investment Services and Costs I provided you with our Key Facts disclosure document ‘about our services and costs’. You will recall that we comprehensively covered the content of this document which covers the services we provide and what they cost. You confirmed you fully understood this and were happy to proceed on the basis as confirmed within our service proposition agreement which you have signed. It is important that you keep the client agreement, service proposition and Disclosure CIDD document together and if you have any questions you contact us immediately. How we are paid We I charge for our services initial advice service by way of a feean Adviser charge. These fees are For lump sum investments this charge is based on a fixed fee basis3% of the amount you invest and for regular premium investments the charge is 50% of the first year’s premium. 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.

Our Recommendations. Any advice or recommendation that we offer to you, will only be given after we have assessed your needs and considered your financial objectives and attitude to any risks that may be involved. We will also take into account any restrictions that you wish to place on the type of products you would be willing to consider. We will confirm our recommendations to you in a suitability report along with details of any special risks associated with the products recommended. Conflicts of Interest Any advice we provide will be in accordance with that disclosed in our initial disclosure document a copy of which I have provided you with. Occasions may arise where whe e we or one of our clients have some form of interest in business being transacted by you. If this happens or we become aware a are that our interests or those of one of our clients conflict with your interests, we will write to you and obtain your consent before we carry out your instructions, and detail the steps s teps we will take to ensure fair treatment. Service and Standards We are committed to providing the highest standard of financial advice and service. Your interests are very important to us and for any advice or service we provide we w will:  • be open, honest and transparent in the way we deal with you;  • not place our interests above yours;  • communicate clearly, promptly and without jargon; Our Investment Services and Costs I provided you with our Key Facts disclosure document ‘about our services and costs’. You will recall that we comprehensively covered the content of this document which covers the services we provide and what they cost. You confirmed you fully understood this and were happy to proceed on the basis as confirmed within our service proposition agreement which you have signed. It is important that you keep the client agreement, service proposition and Disclosure CID D document together and if you have any questions you y u contact us immediately. How we are paid We charge for our services by way of an Adviser charge. This charge is based on a percentage of the amount you invest. or We charge for our services by way of a fee. These fees are on a fixed fee basis. 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.

Our Recommendations. Any advice or recommendation that we offer to you, you will only be given after we have assessed your needs and considered your financial objectives and attitude to any risks that may be involved. We will also take into account any restrictions that you wish to place on the type of products you would be willing to consider. We will confirm our recommendations to you in a suitability report along with details of any special risks associated with the products recommended. Conflicts of Interest Any advice we provide will be in accordance with that disclosed in our initial disclosure Key Facts ‘about our cost and services’ document a copy of which I have provided you withto you. Occasions may arise where we or one of our clients have some form of interest in business being transacted by you. If this happens or we become aware that our interests or those of one of our clients client’s conflict with your interests, we will write to you and obtain your consent before we carry out your instructions, and detail the steps we will take to ensure fair treatment. Service and Standards We are committed to providing the highest standard of financial advice and service. Your interests are very important to us and for any advice or service we provide we will:  be open, honest and transparent in the way we deal with youwithyou;  not place our interests above yours;  communicate clearly, promptly and without jargon; jargon Our Investment Services and Costs I have provided you with our disclosure document Key Facts ‘about our services and costs’. You will recall that we comprehensively covered discussed the content of this document which covers the services we provide and what they cost. You xxxx.Xxx confirmed you fully understood this and were happy to proceed on the basis as confirmed within our service proposition Valued Service Proposition agreement which you have signed. It is important that you keep this Client Agreement; Valued Service Proposition; Key Facts ‘about our services and costs’ and the client agreement, service proposition and Disclosure document Privacy Terms together and if you have any questions you should contact us immediately. How we are paid Paid We charge for our services by way of an Adviser charge. This charge is based on a percentage of the amount you invest. or We charge for our services by way of a fee. These fees are based on an hourly rate. or We charge for our services by way of a fee. These fees are on a fixed fee basis. VAT Under current legislation the majority of our services are not subject to VAT but should this change in future, future and where VAT becomes due, we will notify you before conducting any further work.