Common use of Our Services Clause in Contracts

Our Services. As insurance intermediaries we generally act as the agent of our client. We are subject to the law of agency, which imposes various duties on us. However, in certain circumstances we may act for and owe duties of care to other parties, including the insurer. We will advise you when these circumstances occur, so you will be aware of any possible conflict of interest. We offer a wide range of products and services which may include: • Offering you a single or range of products from which to choose a product that suits your insurance needs; • Advising you on your insurance needs; • Arranging suitable insurance cover with insurers to meet your requirements; • Helping you with any subsequent changes to your insurance you have to make; • Providing all reasonable assistance with any claim you make. In some cases, we act for insurers under a delegated authority agreement and can enter into insurance policies, issue policy documentation and/or handle or settle claims on their behalf. Where we act on behalf of the insurer and not you, we will notify you accordingly and in relation to claims we will advise you of this fact when you notify us of a claim. Notwithstanding this, we endeavour to always act in your best interest. As intermediaries, we offer a wide range of insurance products and have access to many leading insurance companies and the Lloyd’s market. Depending on the type of cover you require and where we have provided advice based on a personal recommendation, we will offer you a policy from either: • a single insurer; • a limited range of insurers; or • a fair analysis that is representative of the insurance market. We will advise you separately as to which of these apply before we arrange your policy and where we have not undertaken a fair analysis of the market, we will provide you with a list of insurers considered. Jensten Retail Consumer Client TOBA Version 1.0 Nov 2021 Policies taken out, amended, or renewed through our online service will be on a non-advised basis. This means sufficient information will be provided for you to make an informed decision about any product purchased online and you should therefore ensure that any policy provides the cover you require and is suitable for your needs. For Motor Vehicle insurance we require customers to pay an additional charge for our claims service – Coversure Claimsline (details are provided in a separate document). This is a “one-stop” service that enables us to assist you with any claim you may incur. The cost of the Coversure Claimsline services will be included in the price quoted to you for the Motor Vehicle insurance and shown separately in your documentation. By purchasing motor insurance from us, you authorise Coversure and its agents to take all necessary actions to handle your claim including dealing with your insurers, third parties and their insurers and other service suppliers on your behalf. For all other policies, including optional additional products and premium finance (if relevant), before the insurance contract is concluded and after we have assessed your demands & needs, we will provide you with advice and make a personal recommendation. This will include sufficient information to enable you to make an informed decision about the policy that we have recommended, together with a quotation which will itemise any fees that are payable in addition to the premium. This documentation will also include a statement of your demands and needs. You should read this carefully as it will explain reasons for making the recommendation we have made.

Our Services. As insurance intermediaries we generally act as the agent of our client. We are subject to the law of agency, which imposes various duties on us. However, in certain circumstances we may act for and owe duties of care to other parties, including the insurer. We will advise you when these circumstances occur, so you will be aware of any possible conflict of interest. We offer a wide range of products and services which may include: • Offering you a single or range of products from which to choose a product that suits your insurance needs; • Advising you on your insurance needs; • Arranging suitable insurance cover with insurers to meet your requirements; • Helping you with any subsequent changes to your insurance you have to make; • Providing all reasonable assistance with any claim you make. In some cases, we act for insurers under a delegated authority agreement and can enter into insurance policies, issue policy documentation and/or handle or settle claims on their behalf. Where we act on behalf of the insurer and not you, we will notify you accordingly and in relation to claims we will advise you of this fact when you notify us of a claim. Notwithstanding this, we endeavour to always act in your best interest. As intermediaries, we offer a wide range of insurance products and have access to many leading insurance companies and the Lloyd’s market. Depending on the type of cover you require and where we have provided advice based on a personal recommendation, we will offer you a policy from either: • a single insurer; • a limited range of insurers; or • a fair analysis that is representative of the insurance market. We will advise you separately as to which of these apply before we arrange your policy and where we have not undertaken a fair analysis of the market, we will provide you with a list of insurers considered. Jensten Retail Consumer Client TOBA Version 1.0 Nov 2021 Policies taken out, amended, or renewed through our online service will be on a non-advised basis. This means sufficient information will be provided for you to make an informed decision about any product purchased online and you should therefore ensure that any policy provides the cover you require and is suitable for your needs. For Motor Vehicle insurance we require customers to pay an additional charge for our claims service – Coversure Claimsline (details are provided in a separate document). This is a “one-stop” service that enables us to assist you with any claim you may incur. The cost of the Coversure Claimsline services will be included in the price quoted to you for the Motor Vehicle insurance and shown separately in your documentation. By purchasing motor insurance from us, you authorise Coversure and its agents to take all necessary actions to handle your claim including dealing with your insurers, third parties and their insurers and other service suppliers on your behalf. For all other policies, including optional additional products and premium finance (if relevant), before the insurance contract is concluded and after we have assessed your demands & needs, we will provide you with advice and make a personal recommendation. This will include sufficient information to enable you to make an informed decision about the policy that we have recommended, together with a quotation which will itemise any fees that are payable in addition to the premium. This documentation will also include a statement of your demands and needs. You should read this carefully as it will explain reasons for making the recommendation we have made.

Our Services. As insurance intermediaries we generally act as the agent of our client. We are subject to the law of agency, which imposes various duties on us. However, in certain circumstances we may act for and owe duties of care to other parties, including the insurer. We will advise you when these circumstances occur, so you will be aware of any possible conflict of interest. We offer a wide range of products and services which may include: • Offering you a single or range of products from which to choose a product that suits your insurance needs; • Advising you on your insurance needs; • Arranging suitable insurance cover with insurers to meet your requirements; • Helping you with any subsequent changes to your insurance you have to make; • Providing all reasonable assistance with any claim you make. In some cases, we act for insurers under a delegated authority agreement and can enter into insurance policies, issue policy documentation and/or handle or settle claims on their behalf. Where we act on behalf of the insurer and not you, we will notify you accordingly and in relation to claims we will advise you of this fact when you notify us of a claim. Notwithstanding this, we endeavour to always act in your best interest. As intermediaries, we offer a wide range of insurance products and have access to many leading insurance companies and the Lloyd’s market. Depending on the type of cover you require and where we have provided advice based on a personal recommendation, we will offer you a policy from either: • a single insurer; • a limited range of insurers; or • a fair analysis that is representative of the insurance market. We will advise you separately as to which of these apply before we arrange your policy and where we have not undertaken a fair analysis of the market, we will provide you with a list of insurers considered. Jensten Retail Consumer Client TOBA Version 1.0 Nov 2021 Policies taken out, amended, or renewed through our online service will be on a non-advised basis. This means sufficient information will be provided for you to make an informed decision about any product purchased online and you should therefore ensure that any policy provides the cover you require and is suitable for your needs. For Motor Vehicle insurance we require customers to pay an additional charge for our claims service – Coversure Claimsline (details are provided in a separate document). This is a “‘‘one-stop” ’’ service that enables us to assist you with any claim you may incur. The cost of the Coversure Claimsline services will be included in the price quoted to you for the Motor Vehicle insurance and shown separately in your documentation. By purchasing motor insurance from us, you authorise Coversure and its agents to take all necessary actions to handle your claim including dealing with your insurers, third parties and their insurers and other service suppliers on your behalf. For all other policies, including optional additional products and premium finance (if relevant), before the insurance contract is concluded and after we have assessed your demands & needs, we will provide you with advice and make a personal recommendation. This will include sufficient information to enable you to make an informed decision about the policy that we have recommended, together with a quotation which will itemise any fees that are payable in addition to the premium. This documentation will also include a statement of your demands and needs. You should read this carefully as it will explain reasons for making the recommendation we have made.

Our Services. As independent insurance intermediaries we generally act as the agent of our client. We are subject to the law of agency, which imposes various duties on us. However, in certain circumstances we may act for and owe duties of care to other parties, including the insurer. We will advise you when these circumstances occur, so you will be aware of any possible conflict of interest. We offer a wide range of products and services which may include: • Offering you a single or range of products from which to choose a product that suits your insurance needs; • Advising you on your insurance needs; • Arranging suitable insurance cover with insurers to meet your requirements; • Helping you with any subsequent changes to your insurance you have to make; • Providing all reasonable assistance with any claim you make. In some cases, we act for insurers under a delegated authority agreement and can enter into insurance policies, issue policy documentation and/or handle or settle claims on their behalf. Where we act on behalf of the insurer and not you, we will notify you accordingly and in relation to claims we will advise you of this fact when you notify us of a claim. Notwithstanding this, we endeavour to always act in your best interest. As independent intermediaries, we offer a wide range of insurance products and have access to many leading insurance companies and the Lloyd’s market. Depending on the type of cover you require and where we have provided advice based on a personal recommendation, we will offer you a policy from either: • a single insurer; • a limited range of insurers; or • a fair analysis that is representative of the insurance market. We will advise you separately as to which of these apply before we arrange your policy and where we have not undertaken a fair analysis of the market, we will provide you with a list of insurers considered. Jensten Retail Consumer Client TOBA Version 1.0 Nov 2021 Policies taken out, amended, or renewed through our online service will be on a non-advised basis. This means sufficient information will be provided for you to make an informed decision about any product purchased online and you should therefore ensure that any policy provides the cover you require and is suitable for your needs. For Motor Vehicle insurance we may require customers to pay an additional charge for our claims service – Coversure Claimsline (details are provided in a separate document). This is a “one-stop” service that enables us to assist you with any claim you may incur. The cost of the Coversure Claimsline services will be included in the price quoted to you for the Motor Vehicle insurance and shown separately in your documentation. By purchasing motor insurance from us, you authorise Coversure and its agents to take all necessary actions to handle your claim including dealing with your insurers, third parties and their insurers and other service suppliers on your behalf. For all other policies, including optional additional products and premium finance (if relevant), before the insurance contract is concluded and after we have assessed your demands & needs, we will provide you with advice and make a personal recommendation. This will include sufficient information to enable you to make an informed decision about the policy that we have recommended, together with a quotation which will itemise any fees that are payable in addition to the premium. This documentation will also include a statement of your demands and needs. You should read this carefully as it will explain reasons for making the recommendation we have made.

Our Services. As insurance intermediaries we generally act as the agent of our client. We are subject to the law of agency, which imposes various duties on us. However, in certain circumstances we may act for and owe duties of care to other parties, including the insurer. We will advise you when these circumstances occur, so you will be aware of any possible conflict of interest. We offer a wide range of products and services which may include: • Offering you a single or range of products from which to choose a product that suits your insurance needs; • Advising you on your insurance needs; • Arranging suitable insurance cover with insurers to meet your requirements; • Helping you with any subsequent changes to your insurance you have to make; • Providing all reasonable assistance with any claim you make. In some cases, we act for insurers under a delegated authority agreement and can enter into insurance policies, issue policy documentation and/or handle or settle claims on their behalf. Where we act on behalf of the insurer and not you, we will notify you accordingly and in relation to claims we will advise you of this fact when you notify us of a claim. Notwithstanding this, we endeavour to always act in your best interest. As intermediaries, insurance intermediaries we offer a wide range of insurance products and have access to many leading insurance companies and the Lloyd’s market. Depending on the type of cover you require and where we have provided advice based on a personal recommendation, we will offer you a policy from either: • a single insurer; • a limited range of insurers; or • a fair analysis that is representative of the insurance market. We will advise you separately as to which of these apply before we arrange your policy and where we have not undertaken a fair analysis of the market, we will provide you with a list of insurers considered. Jensten Retail Consumer Client TOBA Version 1.0 Nov 2021 We may offer you a policy which is provided by an affiliate in order to access specialist products and we will tell you if this is the case. We have a conflict of interests’ policy in place to identify and manage any conflicts that may arise in the placement of your business. Policies taken outpurchased, amended, amended or renewed through our online service will be on a non-advised basis. This means sufficient information will be provided for you to make an informed decision about any product purchased online and you should therefore ensure that any policy provides the cover you require and is suitable for your needs. For Motor Vehicle insurance we require customers to pay an additional charge for our claims service – Coversure Claimsline (details are provided in a separate document). This is a “one-stop” service that enables us to assist you with any claim you may incur. The cost of the Coversure Claimsline services will be included in the price quoted to you for the Motor Vehicle insurance and shown separately in your documentation. By purchasing motor insurance from us, you authorise Coversure and its agents to take all necessary actions to handle your claim including dealing with your insurers, third parties and their insurers and other service suppliers on your behalf. For all other policies, including optional additional products and premium finance (if relevant), before the insurance contract is concluded and after we have assessed your demands & and needs, we will provide you with advice and make a personal recommendation. This will include sufficient information to enable you to make an informed decision about the policy that we have recommended, together with a quotation which will itemise any fees that are payable in addition to the premium, which you will find detailed in the Statement of Price. This documentation will also include a statement of your demands and needs. You should read this carefully as it will explain reasons for making the recommendation we have made.

Our Services. As insurance intermediaries we generally act as the agent of our client1.1. We are subject to the law of agencyan insurance intermediary and risk consultant, which imposes various duties and will act on usyour behalf in arranging your insurance requirements. However, in certain circumstances we may act for and or owe duties a duty of care to other parties, including the insurerparties such as insurers. We will advise inform you when these circumstances occur, occur so you will be aware of any possible conflict of interestconflict. 1.2. We offer a wide range of products and services which may include: • Offering you a single or range of products from which to choose a product that suits your insurance needs; • Advising you on your insurance needs; • Arranging suitable insurance cover with insurers to meet your requirements; • Helping you with any subsequent changes to your insurance you have to make; • Providing all reasonable assistance with any claim you make. In some cases, we act for insurers under a delegated authority agreement and can enter into insurance policies, issue policy documentation and/or handle or settle claims on their behalf. Where we act on behalf of the insurer and not you, we will notify you accordingly and in relation to claims we will advise you of this fact when you notify us of a claim. Notwithstanding this, we endeavour to always act in your best interest. As intermediaries, we offer a wide range of insurance products and have access to many leading insurance companies and the Lloyd’s market. Depending on the type of cover you require and where we have provided advice based on a personal recommendation, we will offer you a policy from either: • a single insurer; • a limited range of insurers; or • a fair analysis that is representative of the insurance market. We will advise you separately as to which of these apply before we arrange your policy and where we have not undertaken a fair analysis of the market, we will provide you with a list of insurers considered. Jensten Retail Consumer Client TOBA Version 1.0 Nov 2021 Policies Insurance policies taken out, amended, amended or renewed through our online online/remote service (i.e. without speaking to one of our advisors) will be on a non-advised basis. This means sufficient information will be provided in order for you to make an informed decision about any product purchased online and you insurance transactions undertaken by you. You should therefore ensure that any policy provides such transactions are suitable for your needs. 1.3. If you speak to one of our advisors about taking out, amending or renewing your policy, then you are likely to do so on an advised basis. This will include the cover you require provision of advice and recommendations where appropriate, in order to ensure insurance discussed is suitable for your needs. 1.4. For Motor Vehicle insurance we require customers to pay an additional charge for our claims service – Coversure Claimsline (details are provided in We offer a separate document). This is a “one-stop” service that enables us to assist you with any claim you may incur. The cost wide range of the Coversure Claimsline services will be included in the price quoted to you for the Motor Vehicle insurance and shown separately in your documentation. By purchasing motor insurance from us, you authorise Coversure and its agents to take all necessary actions to handle your claim including dealing with your insurers, third parties and their insurers and other service suppliers on your behalf. For all other policies, including optional additional products and premium finance (if relevant), before the our services may include:  advising on and recommending insurance contract is concluded and after we have assessed your demands & needs, we will provide you with advice and make a personal recommendation. This will include sufficient information to enable you to make cover following an informed decision about the policy that we have recommended, together with a quotation which will itemise any fees that are payable in addition to the premium. This documentation will also include a statement assessment of your demands and needs;  negotiating terms on your behalf with insurers;  providing you with sufficient information so you can make an informed decision as to which policy you want;  making arrangements with the insurer for your policy to start; and  helping you with any on-going changes you have to make and providing assistance should you need to make a claim. 1.5. You should read Depending on the type of cover you require, we will either:  look at a range of insurers that is representative of the insurance market; or  select from a limited panel of insurers; or  offer you a contract from a single insurer. 1.6. We will confirm which one of these applies before we arrange your insurance contract. A list of the insurers considered will be available on request. 1.7. Any information we provide on insurance regulatory and tax issues will be based on information available publicly and our experience from working on similar matters for other clients. We are not qualified to provide, and will not provide, legal, accounting, regulatory or tax advice. We recommend that you obtain your own advice on such matters from relevant professional advisers. 1.8. As part of our negotiations with insurers on your behalf, we may on occasion be able to obtain more favourable terms and conditions for your placement by providing insurers with certain types of information. Where we believe your interests would be advanced by doing so, you authorise us to do the following:  at the outset of the negotiations, to provide insurers with the terms of the expiring policy, including pricing, and/or a pricing objective for your placement;  during negotiations, to provide one or more insurers with the terms of a quote received from another insurer, where in our judgment doing so may lead to improved terms for you; and  at the end of negotiations, to provide one or more insurers with an opportunity to submit an improved quote after all other quotes have been received. 1.9. We will be entitled to provide the services ourselves or, where appropriate, through one or more of our affiliates or subcontractors, where we believe this carefully as it will explain reasons for making the recommendation we have madewould be in your best interests.

Our Services. As insurance intermediaries we generally act as the agent of our client1.1. We are subject to the law of agencyan insurance intermediary and risk consultant, which imposes various duties and will act on usyour behalf in arranging your insurance requirements. However, in certain circumstances we may act for and or owe duties a duty of care to other parties, including the insurerparties such as insurers. We will advise inform you when these circumstances occur, occur so you will be aware of any possible conflict of interestconflict. 1.2. We offer a wide range of products and services which may include: • Offering you a single or range of products from which to choose a product that suits your insurance needs; • Advising you on your insurance needs; • Arranging suitable insurance cover with insurers to meet your requirements; • Helping you with any subsequent changes to your insurance you have to make; • Providing all reasonable assistance with any claim you make. In some cases, we act for insurers under a delegated authority agreement and can enter into insurance policies, issue policy documentation and/or handle or settle claims on their behalf. Where we act on behalf of the insurer and not you, we will notify you accordingly and in relation to claims we will advise you of this fact when you notify us of a claim. Notwithstanding this, we endeavour to always act in your best interest. As intermediaries, we offer a wide range of insurance products and have access to many leading insurance companies and the Lloyd’s market. Depending on the type of cover you require and where we have provided advice based on a personal recommendation, we will offer you a policy from either: • a single insurer; • a limited range of insurers; or • a fair analysis that is representative of the insurance market. We will advise you separately as to which of these apply before we arrange your policy and where we have not undertaken a fair analysis of the market, we will provide you with a list of insurers considered. Jensten Retail Consumer Client TOBA Version 1.0 Nov 2021 Policies Insurance policies taken out, amended, amended or renewed through our online online/remote service (i.e. without speaking to one of our advisors) will be on a non-advised basis. This means sufficient information will be provided in order for you to make an informed decision about any product purchased online and you insurance transactions undertaken by you. You should therefore ensure that any policy provides such transactions are suitable for your needs. 1.3. If you speak to one of our advisors about taking out, amending or renewing your policy, then you are likely to do so on an advised basis. This will include the cover you require provision of advice and recommendations where appropriate, in order to ensure insurance discussed is suitable for your needs. 1.4. For Motor Vehicle insurance we require customers to pay an additional charge for our claims service – Coversure Claimsline (details are provided in We offer a separate document). This is a “one-stop” service that enables us to assist you with any claim you may incur. The cost wide range of the Coversure Claimsline services will be included in the price quoted to you for the Motor Vehicle insurance and shown separately in your documentation. By purchasing motor insurance from us, you authorise Coversure and its agents to take all necessary actions to handle your claim including dealing with your insurers, third parties and their insurers and other service suppliers on your behalf. For all other policies, including optional additional products and premium finance (if relevant), before the our services may include: • advising on and recommending insurance contract is concluded and after we have assessed your demands & needs, we will provide you with advice and make a personal recommendation. This will include sufficient information to enable you to make cover following an informed decision about the policy that we have recommended, together with a quotation which will itemise any fees that are payable in addition to the premium. This documentation will also include a statement assessment of your demands and needs; • negotiating terms on your behalf with insurers; • providing you with sufficient information so you can make an informed decision as to which policy you want; • making arrangements with the insurer for your policy to start; and • helping you with any on-going changes you have to make and providing assistance should you need to make a claim. 1.5. You should read this carefully as it Depending on the type of cover you require, we will explain reasons either: • look at a range of insurers that is representative of the insurance market; or • select from a limited panel of insurers; or • offer you a contract from a single insurer. 1.6. We will confirm which one of these applies before we arrange your insurance contract. A list of the insurers considered will be available on request. 1.7. Any information we provide on insurance regulatory and tax issues will be based on information available publicly and our experience from working on similar matters for making other clients. We are not qualified to provide, and will not provide, legal, accounting, regulatory or tax advice. We recommend that you obtain your own advice on such matters from relevant professional advisers. 1.8. As part of our negotiations with insurers on your behalf, we may on occasion be able to obtain more favourable terms and conditions for your placement by providing insurers with certain types of information. Where we believe your interests would be advanced by doing so, you authorise us to do the recommendation we following: • at the outset of the negotiations, to provide insurers with the terms of the expiring policy, including pricing, and/or a pricing objective for your placement; • during negotiations, to provide one or more insurers with the terms of a quote received from another insurer, where in our judgment doing so may lead to improved terms for you; and • at the end of negotiations, to provide one or more insurers with an opportunity to submit an improved quote after all other quotes have madebeen received. 1.9. We will be entitled to provide the services ourselves or, where appropriate, through one or more of our affiliates or subcontractors.

Our Services. As insurance intermediaries we generally act as the agent of our client1.1. We are subject to the law of agencyan insurance intermediary and risk consultant, which imposes various duties and will act on usyour behalf in arranging your insurance requirements. However, in certain circumstances we may act for and or owe duties a duty of care to other parties, including the insurerparties such as insurers. We will advise inform you when these circumstances occur, occur so you will be aware of any possible conflict of interestconflict. 1.2. We offer a wide range of products and services which may include: • Offering you a single or range of products from which to choose a product that suits your insurance needs; • Advising you on your insurance needs; • Arranging suitable insurance cover with insurers to meet your requirements; • Helping you with any subsequent changes to your insurance you have to make; • Providing all reasonable assistance with any claim you make. In some cases, we act for insurers under a delegated authority agreement and can enter into insurance policies, issue policy documentation and/or handle or settle claims on their behalf. Where we act on behalf of the insurer and not you, we will notify you accordingly and in relation to claims we will advise you of this fact when you notify us of a claim. Notwithstanding this, we endeavour to always act in your best interest. As intermediaries, we offer a wide range of insurance products and have access to many leading insurance companies and the Lloyd’s market. Depending on the type of cover you require and where we have provided advice based on a personal recommendation, we will offer you a policy from either: • a single insurer; • a limited range of insurers; or • a fair analysis that is representative of the insurance market. We will advise you separately as to which of these apply before we arrange your policy and where we have not undertaken a fair analysis of the market, we will provide you with a list of insurers considered. Jensten Retail Consumer Client TOBA Version 1.0 Nov 2021 Policies Insurance policies taken out, amended, amended or renewed through our online online/remote service (i.e. without speaking to one of our advisors) will be on a non-advised basis. This means sufficient information will be provided in order for you to make an informed decision about any product purchased online and you insurance transactions undertaken by you. You should therefore ensure that any policy provides such transactions are suitable for your needs. 1.3. If you speak to one of our advisors about taking out, amending or renewing your policy, then you are likely to do so on an advised basis. This will include the cover you require provision of advice and recommendations where appropriate, in order to ensure insurance discussed is suitable for your needs. 1.4. For Motor Vehicle insurance we require customers to pay an additional charge for our claims service – Coversure Claimsline (details are provided in We offer a separate document). This is a “one-stop” service that enables us to assist you with any claim you may incur. The cost wide range of the Coversure Claimsline services will be included in the price quoted to you for the Motor Vehicle insurance and shown separately in your documentation. By purchasing motor insurance from us, you authorise Coversure and its agents to take all necessary actions to handle your claim including dealing with your insurers, third parties and their insurers and other service suppliers on your behalf. For all other policies, including optional additional products and premium finance (if relevant), before the our services may include:  advising on and recommending insurance contract is concluded and after we have assessed your demands & needs, we will provide you with advice and make a personal recommendation. This will include sufficient information to enable you to make cover following an informed decision about the policy that we have recommended, together with a quotation which will itemise any fees that are payable in addition to the premium. This documentation will also include a statement assessment of your demands and needs;  negotiating terms on your behalf with insurers;  providing you with sufficient information so you can make an informed decision as to which policy you want;  making arrangements with the insurer for your policy to start; and  helping you with any on-going changes you have to make and providing assistance should you need to make a claim. 1.5. You should read this carefully as it Depending on the type of cover you require, we will explain reasons either:  look at a range of insurers that is representative of the insurance market; or  select from a limited panel of insurers; or  offer you a contract from a single insurer. 1.6. We will confirm which one of these applies before we arrange your insurance contract. A list of the insurers considered will be available on request. 1.7. Any information we provide on insurance regulatory and tax issues will be based on information available publicly and our experience from working on similar matters for making other clients. We are not qualified to provide, and will not provide, legal, accounting, regulatory or tax advice. We recommend that you obtain your own advice on such matters from relevant professional advisers. 1.8. As part of our negotiations with insurers on your behalf, we may on occasion be able to obtain more favourable terms and conditions for your placement by providing insurers with certain types of information. Where we believe your interests would be advanced by doing so, you authorise us to do the recommendation we following:  at the outset of the negotiations, to provide insurers with the terms of the expiring policy, including pricing, and/or a pricing objective for your placement;  during negotiations, to provide one or more insurers with the terms of a quote received from another insurer, where in our judgment doing so may lead to improved terms for you; and  at the end of negotiations, to provide one or more insurers with an opportunity to submit an improved quote after all other quotes have madebeen received. 1.9. We will be entitled to provide the services ourselves or, where appropriate, through one or more of our affiliates or subcontractors.

Our Services. As insurance intermediaries we generally act as the agent of our client1.1. We are subject to the law of agencyan insurance intermediary and risk consultant, which imposes various duties and will act on usyour behalf in arranging your insurance requirements. However, in certain circumstances we may act for and or owe duties a duty of care to other parties, including the insurerparties such as insurers. We will advise inform you when these circumstances occur, occur so you will be aware of any possible conflict of interestconflict. 1.2. We offer a wide range of products and services which may include: • Offering you a single or range of products from which to choose a product that suits your insurance needs; • Advising you on your insurance needs; • Arranging suitable insurance cover with insurers to meet your requirements; • Helping you with any subsequent changes to your insurance you have to make; • Providing all reasonable assistance with any claim you make. In some cases, we act for insurers under a delegated authority agreement and can enter into insurance policies, issue policy documentation and/or handle or settle claims on their behalf. Where we act on behalf of the insurer and not you, we will notify you accordingly and in relation to claims we will advise you of this fact when you notify us of a claim. Notwithstanding this, we endeavour to always act in your best interest. As intermediaries, we offer a wide range of insurance products and have access to many leading insurance companies and the Lloyd’s market. Depending on the type of cover you require and where we have provided advice based on a personal recommendation, we will offer you a policy from either: • a single insurer; • a limited range of insurers; or • a fair analysis that is representative of the insurance market. We will advise you separately as to which of these apply before we arrange your policy and where we have not undertaken a fair analysis of the market, we will provide you with a list of insurers considered. Jensten Retail Consumer Client TOBA Version 1.0 Nov 2021 Policies Insurance policies taken out, amended, amended or renewed through our online online/remote service (i.e. without speaking to one of our advisors) will be on a non-advised basis. This means sufficient information will be provided in order for you to make an informed decision about any product purchased online and you insurance transactions undertaken by you. You should therefore ensure that any policy provides such transactions are suitable for your needs. 1.3. If you speak to one of our advisors about taking out, amending or renewing your policy, then you are likely to do so on an advised basis. This will include the cover you require provision of advice and recommendations where appropriate, in order to ensure insurance discussed is suitable for your needs. 1.4. For Motor Vehicle insurance we require customers to pay an additional charge for our claims service – Coversure Claimsline (details are provided in We offer a separate document). This is a “one-stop” service that enables us to assist you with any claim you may incur. The cost wide range of the Coversure Claimsline services will be included in the price quoted to you for the Motor Vehicle insurance and shown separately in your documentation. By purchasing motor insurance from us, you authorise Coversure and its agents to take all necessary actions to handle your claim including dealing with your insurers, third parties and their insurers and other service suppliers on your behalf. For all other policies, including optional additional products and premium finance (if relevant), before the our services may include: advising on and recommending insurance contract is concluded and after we have assessed your demands & needs, we will provide you with advice and make a personal recommendation. This will include sufficient information to enable you to make cover following an informed decision about the policy that we have recommended, together with a quotation which will itemise any fees that are payable in addition to the premium. This documentation will also include a statement assessment of your demands and needs; negotiating terms on your behalf with insurers; providing you with sufficient information so you can make an informed decision as to which policy you want; making arrangements with the insurer for your policy to start; and helping you with any on-going changes you have to make and providing assistance should you need to make a claim. 1.5. You should read this carefully as it Depending on the type of cover you require, we will explain reasons either: • look at a range of insurers that is representative of the insurance market; or • select from a limited panel of insurers; or • offer you a contract from a single insurer. 1.6. We will confirm which one of these applies before we arrange your insurance contract. A list of the insurers considered will be available on request. 1.7. Any information we provide on insurance regulatory and tax issues will be based on information available publicly and our experience from working on similar matters for making other clients. We are not qualified to provide, and will not provide, legal, accounting, regulatory or tax advice. We recommend that you obtain your own advice on such matters from relevant professional advisers. 1.8. As part of our negotiations with insurers on your behalf, we may on occasion be able to obtain more favourable terms and conditions for your placement by providing insurers with certain types of information. Where we believe your interests would be advanced by doing so, you authorise us to do the recommendation we following: • at the outset of the negotiations, to provide insurers with the terms of the expiring policy, including pricing, and/or a pricing objective for your placement; • during negotiations, to provide one or more insurers with the terms of a quote received from another insurer, where in our judgment doing so may lead to improved terms for you; and • at the end of negotiations, to provide one or more insurers with an opportunity to submit an improved quote after all other quotes have madebeen received. 1.9. We will be entitled to provide the services ourselves or, where appropriate, through one or more of our affiliates or subcontractors.

Our Services. As insurance intermediaries we generally act as the agent of our client1.1. We are subject to the law of agencyan insurance intermediary and ri sk consultant, which imposes various duties and will act on usyour behalf in arranging your insurance requirements. However, in certain circumstances we may act for and or owe duties a duty of care to other parties, including the insurerparties such as insurers. We will advise inform you when these circumstances occur, occur so you will be aware of any possible conflict of interestconflict. 1.2. We offer a wide range of products and services which may include: • Offering you a single or range of products from which to choose a product that suits your insurance needs; • Advising you on your insurance needs; • Arranging suitable insurance cover with insurers to meet your requirements; • Helping you with any subsequent changes to your insurance you have to make; • Providing all reasonable assistance with any claim you make. In some cases, we act for insurers under a delegated authority agreement and can enter into insurance policies, issue policy documentation and/or handle or settle claims on their behalf. Where we act on behalf of the insurer and not you, we will notify you accordingly and in relation to claims we will advise you of this fact when you notify us of a claim. Notwithstanding this, we endeavour to always act in your best interest. As intermediaries, we offer a wide range of insurance products and have access to many leading insurance companies and the Lloyd’s market. Depending on the type of cover you require and where we have provided advice based on a personal recommendation, we will offer you a policy from either: • a single insurer; • a limited range of insurers; or • a fair analysis that is representative of the insurance market. We will advise you separately as to which of these apply before we arrange your policy and where we have not undertaken a fair analysis of the market, we will provide you with a list of insurers considered. Jensten Retail Consumer Client TOBA Version 1.0 Nov 2021 Policies Insurance policies taken out, amended, amended or renewed through our online online/remote service (i .e. without speaking to one of our advisors) will be on a non-advised basis. This means sufficient information will be provided in order for you to make an informed decision about any product purchased online and you insurance transactions undertaken by you. You should therefore ensure that any policy provides the cover you require and is such transactions are suitable for your needs. 1.3. For Motor Vehicle insurance we require customers If you speak to pay one of our advisors about taking out, amending or renewing your policy, then you are l ikely to do so on an additional charge for our claims service – Coversure Claimsline (details are provided in a separate document). This is a “one-stop” service that enables us to assist you with any claim you may incur. The cost of the Coversure Claimsline services will be included in the price quoted to you for the Motor Vehicle insurance and shown separately in your documentation. By purchasing motor insurance from us, you authorise Coversure and its agents to take all necessary actions to handle your claim including dealing with your insurers, third parties and their insurers and other service suppliers on your behalf. For all other policies, including optional additional products and premium finance (if relevant), before the insurance contract is concluded and after we have assessed your demands & needs, we will provide you with advice and make a personal recommendationadvised basis. This will include sufficient information the provision of advice and recommendations where appropriate , in order to enable you to make ensure insurance discussed i s suitable for your needs. 1.4. We offer a wide range of products and our s ervices may include:  advising on and recommending insurance cover following an informed decision about the policy that we have recommended, together with a quotation which will itemise any fees that are payable in addition to the premium. This documentation will also include a statement assessment of your demands and needs;  negotiating terms on your behalf with insurers;  providing you with sufficient information so you can make an informed decision as to which policy you want;  making arrangements with the insurer for your policy to start; and  helping you with any on-going changes you have to make and providing assistance should you need to make a claim. 1.5. You should read this carefully as it Depending on the type of cover you require, we will explain reasons either:  look at a range of insurers that i s representative of the insurance market; or  select from a limited panel of insurers; or  offer you a contract from a single insurer. 1.6. We will confirm which one of these applies before we arrange your insurance contract. A l ist of the insurers considered will be available on request. 1.7. Any information we provide on insurance regulatory and tax i ssues will be based on information available publicly and our experience from working on similar matters for making other cl ients. We are not qualified to provide, and will not provide, legal, accounting, regulatory or tax advice. We recommend that you obtain your own advice on such matters from relevant professional advisers. 1.8. As part of our negotiations with insurers on your behalf, we may on occasion be able to obtain more favourable terms and conditions for your placement by providing insurers with certain types of information. Where we believe your interests would be advanced by doing so, you authorise us to do the recommendation we following:  at the outset of the negotiations, to provide insurers with the terms of the expiring policy, including pricing, and/or a pricing objective for your placement;  during negotiations, to provide one or more insurers with the terms of a quote received from another insurer, where in our judgment doing so may lead to improved terms for you; and  at the end of negotiations, to provide one or more insurers with an opportunity to submit an improved quote after all other quotes have madebeen received. 1.9. We will be entitled to provide the services ourselves or, where appropriate, through one or more of our affiliates or subcontractors.

Our Services. As insurance intermediaries we generally act as the agent of our client. 1.1 We are subject to the law of agencyan insurance intermediary and risk consultant, which imposes various duties and will act on usyour behalf in arranging your insurance requirements. However, in certain circumstances we may act for and or owe duties a duty of care to other parties, including the insurerparties such as insurers. We will advise inform you when these circumstances occur, occur so you will be aware of any possible conflict of interest. We offer a wide range of products and services which may include: • Offering you a single or range of products from which to choose a product that suits your insurance needs; • Advising you on your insurance needs; • Arranging suitable insurance cover with insurers to meet your requirements; • Helping you with any subsequent changes to your insurance you have to make; • Providing all reasonable assistance with any claim you make. In some cases, we act for insurers under a delegated authority agreement and can enter into insurance policies, issue policy documentation and/or handle or settle claims on their behalf. Where we act on behalf of the insurer and not you, we will notify you accordingly and in relation to claims we will advise you of this fact when you notify us of a claim. Notwithstanding this, we endeavour to always act in your best interest. As intermediaries, we offer a wide range of insurance products and have access to many leading insurance companies and the Lloyd’s market. Depending on the type of cover you require and where we have provided advice based on a personal recommendation, we will offer you a policy from either: • a single insurer; • a limited range of insurers; or • a fair analysis that is representative of the insurance market. We will advise you separately as to which of these apply before we arrange your policy and where we have not undertaken a fair analysis of the market, we will provide you with a list of insurers considered. Jensten Retail Consumer Client TOBA Version 1.0 Nov 2021 Policies conflict. 1.2 Insurance policies taken out, amended, amended or renewed through our online online/remote service (i.e. without speaking to one of our advisors) will be on a non-advised basis. This means sufficient information will be provided in order for you to make an informed decision about any product purchased online and you insurance transactions undertaken by you. You should therefore ensure that any policy provides such transactions are suitable for your needs. 1.3 If you speak to one of our advisors about taking out, amending or renewing your policy, then you are likely to do so on an advised basis. This will include the cover you require provision of advice and recommendations where appropriate, in order to ensure insurance discussed is suitable for your needs. For Motor Vehicle insurance we require customers to pay an additional charge for our claims service – Coversure Claimsline (details are provided in . 1.4 We offer a separate document). This is a “one-stop” service that enables us to assist you with any claim you may incur. The cost wide range of the Coversure Claimsline services will be included in the price quoted to you for the Motor Vehicle insurance and shown separately in your documentation. By purchasing motor insurance from us, you authorise Coversure and its agents to take all necessary actions to handle your claim including dealing with your insurers, third parties and their insurers and other service suppliers on your behalf. For all other policies, including optional additional products and premium finance (if relevant), before the our services may include: • advising on and recommending insurance contract is concluded and after we have assessed your demands & needs, we will provide you with advice and make a personal recommendation. This will include sufficient information to enable you to make cover following an informed decision about the policy that we have recommended, together with a quotation which will itemise any fees that are payable in addition to the premium. This documentation will also include a statement assessment of your demands and needs; • negotiating terms on your behalf with insurers; • providing you with sufficient information so you can make an informed decision as to which policy you want; • making arrangements with the insurer for your policy to start; and • helping you with any on-going changes you have to make and providing assistance should you need to make a claim. 1.5 Depending on the type of cover you require, we will either: • look at a range of insurers that is representative of the insurance market; or • select from a limited panel of insurers; or • offer you a contract from a single insurer. 1.6 We will confirm which one of these applies before we arrange your insurance contract. You should read this carefully as it A list of the insurers considered will explain reasons be available on request. 1.7 Any information we provide on insurance regulatory and tax issues will be based on information available publicly and our experience from working on similar matters for making other clients. We are not qualified to provide, and will not provide, legal, accounting, regulatory or tax advice. We recommend that you obtain your own advice on such matters from relevant professional advisers. 1.8 As part of our negotiations with insurers on your behalf, we may on occasion be able to obtain more favourable terms and conditions for your placement by providing insurers with certain types of information. Where we believe your interests would be advanced by doing so, you authorise us to do the recommendation we following: • at the outset of the negotiations, to provide insurers with the terms of the expiring policy, including pricing, and/or a pricing objective for your placement; • during negotiations, to provide one or more insurers with the terms of a quote received from another insurer, where in our judgment doing so may lead to improved terms for you; and • at the end of negotiations, to provide one or more insurers with an opportunity to submit an improved quote after all other quotes have madebeen received. 1.9 We will be entitled to provide the services ourselves or, where appropriate, through one or more of our affiliates or subcontractors.

Our Services. As insurance intermediaries we generally act as Rezi is an online plantform to assist Users in the agent of rental process. By using our client. We are subject Services you acknowledge and agree that Xxxx:  does not provide legal, financial, or other counsel services to the law of agency, which imposes various duties on us. However, in certain circumstances we may act for and owe duties of care to other parties, including the insurer. We will advise you when these circumstances occur, so you will be aware of any possible conflict of interest. We offer a wide range of products and services which may include: • Offering you a single or range of products from which to choose a product that suits your insurance needs; • Advising you on your insurance needs; • Arranging suitable insurance cover with insurers to meet your requirements; • Helping you with any subsequent changes to your insurance you have to make; • Providing all reasonable assistance with any claim you make. In some cases, we act for insurers under a delegated authority agreement and can enter into insurance policies, issue policy documentation and/or handle or settle claims on their behalf. Where we act on behalf of the insurer and not you, we will notify you accordingly and parties in relation to claims we will advise you a real estate rental transactions;  does not guarantee the qualifications, representations, or the ability to pay rent of this fact when you notify us potential tenants;  does not guarantee truthfulness, accuracy, existence, safety, quality, legality, fitness of a claimListing; and  does not negotiate rental or sales contracts YOU ARE ADVISED TO SEEK THE HELP OF A LICENSED REAL ESTATE PROFESSIONAL AND/OR A REAL ESTATE ATTORNEY TO HELP IN THE NEGOTIATION AND COMPLETION OF ANY REAL ESTATE TRANSACTION. Notwithstanding thisBy using our Services, we endeavour you acknowledge and agree that Xxxx:  have no control over the conduct of our users or the truth or accuracy of the information that users post on our through our Services;  does not endorse any persons who use or register for our Services;  does not verify any information submitted on or through our Services; and  makes no representations about Listings on or through our Services. Unless you sign a separate brokerage or agency agreement with us, no brokerage relationship or any agency or fiduciary relationship is intended to always act be or shall be deemed to have been created between you and Rezi. By using our Services, you acknowledge and agree that:  the acceptance of your offer by a Landlord constitutes a binding agreement to enter into a rental agreement with such Landlord and obligates you to pay all associated fees and/or rents to Rezi and to such Landlord;  an early termination of a lease agreement can result in your best interest. As intermediaries, we offer additional penalties and additional payments;  the highest bidder to a wide range Listing does not guarantee acceptance by a Landlord;  you are solely responsible for determining the reasonableness and prudence of insurance products and have access to many leading insurance companies and the Lloyd’s market. Depending on the type of cover you require and where we have provided advice based on a personal recommendation, we will any offer you a policy from either: • a single insurer; • a limited range of insurers; or • a fair analysis that is representative make in light of the insurance marketproperty and your circumstances; and  you are solely response to view, visit, and inspect the property. We A binding rental agreement has serious legal and financial consequences. Xxxx strongly advise all Users to seek advice from appropriate licensed professional and exercise the upmost diligence prior to entering into a rental agreement. If you are a Landlord, by listing a property through our Services, you acknowledge and agree to enter into this exclusive binding contract with Rezi for the lease of the property for a term of no less than 60 days (“Exclusivity”). You acknowledge and agree you will advise not  contact a prospective tenant outside of our Services;  list the property through another medium, whether in print or electronic; and  complete the transaction outside of our Services. Although we may offer features, such as Morpheus, through our Services and/or through third-party service providers we engage, that are intended to assist Listing Parties and potential renters to assess a property and Tenant applicant, you separately as to which acknowledge, agree, represent and warrant you will not rely on these features or the results of these apply before we arrange your policy and where we have not undertaken a fair analysis features. Some of the marketfeatures may provide a rating, which may be helpful, but we will provide you with a list of insurers considered. Jensten Retail Consumer Client TOBA Version 1.0 Nov 2021 Policies taken out, amended, cannot guarantee their accuracy or renewed through our online service will be on a non-advised basis. This means sufficient information will be provided for you to make an informed decision about any product purchased online and you should therefore ensure that any policy provides the cover you require and is suitable for use for your needsevaluation. For Motor Vehicle insurance we require customers to pay an additional charge for our claims service – Coversure Claimsline (details are provided in a separate document)NOTHING FROM OUR SERVICES SHALL SUBSTITUTE YOUR INDEPENDENT, INFORMED, JUDGMENT AND DECISION. This is a “one-stop” service that enables us to assist you with any claim you may incurREZI SHALL NOT BE LIABLE FOR ANY CONSEQUENCE RESULTING FROM ANY DECISIONS YOU MAKE THROUGH THE USE OF OUR SERVICES. The cost of the Coversure Claimsline services will be included in the price quoted to you for the Motor Vehicle insurance and shown separately in your documentation. By purchasing motor insurance from usREZI STRONGLY DISCOURAGE RENTER FROM SHARING SENSITIVE PERSONAL OR FINANCIAL INFORMATION DIRECTLY WITH LANDLORD OR SENDING FUNDS TO A LANDLORD, you authorise Coversure and its agents to take all necessary actions to handle your claim including dealing with your insurers, third parties and their insurers and other service suppliers on your behalf. For all other policies, including optional additional products and premium finance (if relevant), before the insurance contract is concluded and after we have assessed your demands & needs, we will provide you with advice and make a personal recommendation. This will include sufficient information to enable you to make an informed decision about the policy that we have recommended, together with a quotation which will itemise any fees that are payable in addition to the premium. This documentation will also include a statement of your demands and needs. You should read this carefully as it will explain reasons for making the recommendation we have madeBASED SOLELY ON ELECTRONIC SOLICITATIONS FROM SUCH PARTIES.

Our Services. As insurance intermediaries we generally act as the agent of our client1.1. We are subject to the law of agencyan insurance intermediary and risk consultant, which imposes various duties and will act on usyour behalf in arranging your insurance requirements. However, in certain circumstances we may act for and or owe duties a duty of care to other parties, including the insurerparties such as insurers. We will advise inform you when these circumstances occur, occur so you will be aware of any possible conflict of interestconflict. 1.2. We offer a wide range of products and services which may include: • Offering you a single or range of products from which to choose a product that suits your insurance needs; • Advising you on your insurance needs; • Arranging suitable insurance cover with insurers to meet your requirements; • Helping you with any subsequent changes to your insurance you have to make; • Providing all reasonable assistance with any claim you make. In some cases, we act for insurers under a delegated authority agreement and can enter into insurance policies, issue policy documentation and/or handle or settle claims on their behalf. Where we act on behalf of the insurer and not you, we will notify you accordingly and in relation to claims we will advise you of this fact when you notify us of a claim. Notwithstanding this, we endeavour to always act in your best interest. As intermediaries, we offer a wide range of insurance products and have access to many leading insurance companies and the Lloyd’s market. Depending on the type of cover you require and where we have provided advice based on a personal recommendation, we will offer you a policy from either: • a single insurer; • a limited range of insurers; or • a fair analysis that is representative of the insurance market. We will advise you separately as to which of these apply before we arrange your policy and where we have not undertaken a fair analysis of the market, we will provide you with a list of insurers considered. Jensten Retail Consumer Client TOBA Version 1.0 Nov 2021 Policies Insurance policies taken out, amended, amended or renewed through our online online/remote service (i.e. without speaking to one of our advisors) will be on a non-advised basis. This means sufficient information will be provided in order for you to make an informed decision about any product purchased online and you insurance transactions undertaken by you. You should therefore ensure that any policy provides such transactions are suitable for your needs. 1.3. If you speak to one of our advisors about taking out, amending or renewing your policy, then you are likely to do so on an advised basis. This will include the cover you require provision of advice and recommendations where appropriate, in order to ensure insurance discussed is suitable for your needs. 1.4. For Motor Vehicle insurance we require customers to pay an additional charge for our claims service – Coversure Claimsline (details are provided in We offer a separate document). This is a “one-stop” service that enables us to assist you with any claim you may incur. The cost wide range of the Coversure Claimsline services will be included in the price quoted to you for the Motor Vehicle insurance and shown separately in your documentation. By purchasing motor insurance from us, you authorise Coversure and its agents to take all necessary actions to handle your claim including dealing with your insurers, third parties and their insurers and other service suppliers on your behalf. For all other policies, including optional additional products and premium finance (if relevant), before the our services may include: • advising on and recommending insurance contract is concluded and after we have assessed your demands & needs, we will provide you with advice and make a personal recommendation. This will include sufficient information to enable you to make cover following an informed decision about the policy that we have recommended, together with a quotation which will itemise any fees that are payable in addition to the premium. This documentation will also include a statement assessment of your demands and needs; • negotiating terms on your behalf with insurers; • providing you with sufficient information so you can make an informed decision as to which policy you want; • making arrangements with the insurer for your policy to start; and • helping you with any on−going changes you have to make and providing assistance should you need to make a claim. 1.5. You should read this carefully as it Depending on the type of cover you require, we will explain reasons either: • look at a range of insurers that is representative of the insurance market; or • select from a limited panel of insurers; or • offer you a contract from a single insurer. 1.6. We will confirm which one of these applies before we arrange your insurance contract. A list of the insurers considered will be available on request. 1.7. Any information we provide on insurance regulatory and tax issues will be based on information available publicly and our experience from working on similar matters for making other clients. We are not qualified to provide, and will not provide, legal, accounting, regulatory or tax advice. We recommend that you obtain your own advice on such matters from relevant professional advisers. 1.8. As part of our negotiations with insurers on your behalf, we may on occasion be able to obtain more favourable terms and conditions for your placement by providing insurers with certain types of information. Where we believe your interests would be advanced by doing so, you authorise us to do the recommendation we following: • at the outset of the negotiations, to provide insurers with the terms of the expiring policy, including pricing, andƒor a pricing objective for your placement; • during negotiations, to provide one or more insurers with the terms of a quote received from another insurer, where in our judgment doing so may lead to improved terms for you; and • at the end of negotiations, to provide one or more insurers with an opportunity to submit an improved quote after all other quotes have madebeen received. 1.9. We will be entitled to provide the services ourselves or, where appropriate, through one or more of our affiliates or subcontractors.

Our Services. As insurance intermediaries we generally act as the agent of our client. We are subject to the law of agency, which imposes various duties on us. However, in certain circumstances we may act for and owe duties of care to other parties, including the insurer. We will advise you when these circumstances occur, so you will be aware of any possible conflict of interest. We offer a wide range of products and services which may include: • Offering you a single or range of products from which to choose a product that suits your insurance needs; Arena Business Centre 0 Xxxxxx Xxx Ferndown Wimborne BH21 7UH T E xxx.xxxxxxxxx.xx.xx/xxxxxxxx Advisory Broking Limited T/as Advisory Broking Limited T/as Coversure Insurance Services (Ringwood) is authorised and regulated by the Financial Conduct Authority. Registered Address: 00 Xxxxxxx Xxxx, Xxxxxx, Xxxxxxx, X0 0XX. Registered in England No: 14902641 • Advising you on your insurance needs; • Arranging suitable insurance cover with insurers to meet your requirements; • Helping you with any subsequent changes to your insurance you have to make; • Providing all reasonable assistance with any claim you make. In some cases, we act for insurers under a delegated authority agreement and can enter into insurance policies, issue policy documentation and/or handle or settle claims on their behalf. Where we act on behalf of the insurer and not you, we will notify you accordingly and in relation to claims we will advise you of this fact when you notify us of a claim. Notwithstanding this, we endeavour to always act in your best interest. As intermediaries, we offer a wide range of insurance products and have access to many leading insurance companies and the Lloyd’s market. Depending on the type of cover you require and where we have provided advice based on a personal recommendation, we will offer you a policy from either: • a single insurer; • a limited range of insurers; or • a fair analysis that is representative of the insurance market. We will advise you separately as to which of these apply before we arrange your policy and where we have not undertaken a fair analysis of the market, we will provide you with a list of insurers considered. Jensten Retail Consumer Client TOBA Version 1.0 Nov 2021 Policies taken out, amended, or renewed through our online service will be on a non-advised basis. This means sufficient information will be provided for you to make an informed decision about any product purchased online and you should therefore ensure that any policy provides the cover you require and is suitable for your needs. For Motor Vehicle insurance we require customers to pay an additional charge for our claims service – Coversure Claimsline (details are provided in a separate document). This is a “‘‘one-stop” ’’ service that enables us to assist you with any claim you may incur. The cost of the Coversure Claimsline services will be included in the price quoted to you for the Motor Vehicle insurance and shown separately in your documentation. By purchasing motor insurance from us, you authorise Coversure and its agents to take all necessary actions to handle your claim including dealing with your insurers, third parties and their insurers and other service suppliers on your behalf. For all other policies, including optional additional products and premium finance (if relevant), before the insurance contract is concluded and after we have assessed your demands & needs, we will provide you with advice and make a personal recommendation. This will include sufficient information to enable you to make an informed decision about the policy that we have recommended, together with a quotation which will itemise any fees that are payable in addition to the premium. This documentation will also include a statement of your demands and needs. You should read this carefully as it will explain reasons for making the recommendation we have made.

Our Services. As an independent insurance intermediaries intermediary we generally act as the agent of our client. We are subject to the law of agency, which imposes various duties on us. However, in certain circumstances we may act for and owe duties of care to other parties, including the insurer. We will advise you when these circumstances occur, so you will be aware of any possible conflict of interest. We offer a wide range of products and services which may include: • Offering you a single or range of products from which to choose a product that suits your insurance needs; • Advising you on your insurance needs; • Arranging suitable insurance cover with insurers to meet your requirements; • Helping you with any subsequent changes to your insurance you have to make; • Providing all reasonable assistance with any claim you have to make. In some cases, cases we act for insurers under a delegated authority agreement and can enter into insurance policies, issue policy documentation and/or handle or settle claims on their behalf. Where we act on behalf of the insurer and not you, we will notify you accordingly and in relation to claims we will advise you of this fact when you notify us of a claim. Notwithstanding this, we endeavour to always act in your best interest. As intermediaries, an independent intermediary we offer a wide range of insurance products and have access to many leading insurance companies and the Lloyd’s market. Depending on the type of cover you require and where we have provided advice based on a personal recommendation, we will offer you a policy from either: • a single insurer; • a limited range of insurers; or • a fair analysis that is representative of the insurance market. We will advise inform you separately as to which of these apply before we arrange your policy policy(ies) and where we have not undertaken a fair analysis of the market, we will provide you with a list of insurers considered. Jensten Retail Consumer Client TOBA Version 1.0 Nov 2021 Policies taken out, amended, or renewed through our online service will be on a non-advised basis. This means sufficient information will be provided for you to make an informed decision about any product purchased online and you should therefore ensure that any policy provides the cover you require and is suitable for your needs. For Motor Vehicle insurance we require customers to pay an additional charge for our claims service – Coversure Claimsline (details are provided in a separate document). This is a “one-stop” service that enables us to assist you with any claim you may incur. The cost of the Coversure Claimsline services will be included in the price quoted to you for the Motor Vehicle insurance and shown separately in your documentation. By purchasing motor insurance from us, you authorise Coversure and its agents to take all necessary actions to handle your claim including dealing with your insurers, third parties and their insurers and other service suppliers on your behalf. For all other policies, including optional additional products and premium finance (if relevant), before Before the insurance contract is concluded and after we have assessed your demands & and needs, we will provide you with advice and make a personal recommendation, unless we advise otherwise. This will include sufficient information to enable you to make an informed decision about the policy that we have recommended, together with a quotation which will itemise any fees that are payable in addition to the premium. This documentation will also include a statement of your demands and needs. You should read this carefully as it will explain the reasons for making the recommendation we have made. We may offer you a policy which is provided by an Affiliate in order to access specialist products and we will tell you if this is the case.

Our Services. As insurance intermediaries The service we generally act have agreed to provide and the cost of those services are shown in Section 4. • Any arrangements we have made for you will only be kept under review as part of an ongoing service for which you have agreed to our ongoing fees. Our ongoing services are optional, but if you agree to purchase ongoing advice, unless otherwise agreed, the agent of our client. We are subject service will be provided as a follow up to the law initial service. • Ongoing services can be cancelled at any time by informing us in writing (see Section 3) but we reserve the right to charge you for services provided prior to cancellation. • Unless we tell you otherwise, we’ll treat you as a ‘retail client’ for investment business (e.g. pensions, ISAs and other investments) or as a consumer for protection business. This means that you are given the highest level of agencyprotection available under the UK’s regulatory system. • Before providing advice we will assess your needs, which imposes various duties consider your financial objectives and assess your attitude to any risks that may be involved. If you do not 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 instruct us to do so. This might of course have a bearing on usthe advice that might have been given. However, in certain circumstances we may act for and owe duties of care to other parties, including the insurer. • We will advise you when these circumstances occur, so you will be aware confirm any recommendations we make in writing (our suitability report) along with details of any possible conflict of interestspecial risks that may be associated with the products or investment strategies we have recommended. We offer a wide range of products and services which may include: • Offering you a single or range of products from which to choose a product that suits your insurance needs; • Advising you on your insurance needs; • Arranging suitable insurance cover with insurers to meet your requirements; • Helping you with Before making any subsequent changes to your insurance you have to make; • Providing all reasonable assistance with any claim you make. In some cases, we act for insurers under a delegated authority agreement and can enter into insurance policies, issue policy documentation and/or handle or settle claims on their behalf. Where we act on behalf of the insurer and not you, recommendations we will notify you accordingly and in relation carry out a suitability assessment so that we are able to claims we will advise you of this fact when you notify us of a claim. Notwithstanding this, we endeavour to always act in your best interestinterests. As intermediaries, • Where we offer a wide range of insurance products and have access agree to many leading insurance companies and the Lloyd’s market. Depending on the type of cover you require and where we have provided advice based on a personal recommendation, we will offer you a policy from either: • a single insurer; • a limited range of insurers; or • a fair analysis that is representative of the insurance market. We will advise you separately as to which of these apply before we arrange your policy and where we have not undertaken a fair analysis of the market, we will provide you with a list service that includes an ongoing review of insurers consideredthe suitability of the investments we have recommended, we will carry out this review at least annually. Jensten Retail Consumer Client TOBA Version 1.0 Nov 2021 Policies taken outTo 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, amendedif 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 renewed through other economic factors, which are outside our online service control. Past performance is not necessarily a guide to future performance. • We may occasionally recommend investments that are not readily realisable. We will be on a non-advised basisonly do this where appropriate but, if we do, we will draw your attention to the risks associated with the investments in our suitability report. This means sufficient information will be provided for you to make an informed decision about any product purchased online and you should therefore ensure that any policy provides the cover you require and is suitable for your needs. For Motor Vehicle insurance we require customers to pay an additional charge for our claims service – Coversure Claimsline (details are provided in a separate document). This There is a “one-stop” service that enables us restricted market for such investments and in some circumstances it may not be possible to assist you with any claim you may incur. The cost of the Coversure Claimsline services will be included deal in the price quoted investment or obtain reliable information about its value. • We may, where appropriate, recommend holding some, or all, of your investments with a Discretionary Fund Manager (DFM), a professional investment manager appointed to you for the Motor Vehicle insurance monitor your portfolio and shown separately in your documentation. By purchasing motor insurance from us, you authorise Coversure and its agents to take all necessary actions to handle your claim including dealing with your insurers, third parties and their insurers and other service suppliers make investment decisions on your behalf. For all In such cases we will explain the respective responsibilities of ourselves and the DFM in relation to your investments. In some circumstances GT Wealth Management Ltd may need to act as your ‘agent’ in relation to the part of your portfolio held with a DFM. This means that you will not have a direct contractual relationship with the DFM and the DFM will instead treat GT Wealth Management Ltd as its client. Before setting up this type of arrangement we will explain the implications to you. • We advise on mortgage products from the whole of the market. This means that we source the recommended mortgage from the range of mortgages available to “intermediary” firms. Certain lenders may offer products directly to the public, rather than via an intermediary firm. Accordingly our recommendation to you will be based on the most suitable mortgage product incorporated within the range available to intermediary firms. • If there is a particular mortgage product that you are aware of which is available directly from a lender that you wish us to review and comment on, we are happy to do so. We may charge you a fee for providing advice in relation to this but would agree this with you at the time. • All actual charges and fees will be disclosed to you. We will also let you know if there are any other policies, including optional additional products and premium finance (if relevant), before costs that might arise in connection with the insurance contract is concluded and after services we provide. • In some limited circumstances we may receive commission from a product provider in relation to a financial product we have assessed your demands & needs, arranged for you. If we are paid by commission we will provide tell you with advice and make a personal recommendation. This will include sufficient information to enable you to make an informed decision about the policy that amount before we have recommended, together with a quotation which will itemise any fees that are payable in addition to the premium. This documentation will also include a statement of your demands and needs. You should read this carefully as it will explain reasons carry out business for making the recommendation we have madeyou.

Our Services. As insurance intermediaries It is important that you know what to expect in terms of the services we generally act as provide, and that you understand our commitment to you in the agent provision of those services. We intend to be professional, clear and fair in our clientdealings with you, always striving to ensure that any service or advice provided is in your best interests. We are subject committed to the law of agencyproviding independent, which imposes various duties personalised, quality advice to our clients on us. However, in certain circumstances we may act for and owe duties of care to other parties, including the insurer. We will advise you when these circumstances occur, so you will be aware of any possible conflict of interest. We offer a wide range of products financial matters. We work in partnership with other local professionals to create a comprehensive solution to our clients’ financial needs. We offer advice services for all your needs, from savings and investment for the future, planning for your retirement needs, tax planning, protecting you and your family, as well as general insurance advice. Our aim is to build a relationship that will allow us to fully understand your life plans and ambitions, delivering long‐term support to help you utilise your monies as wisely as possible and to protect you from any nasty surprises in the future. We offer you an initial discussion at our offices in order to understand your current circumstances and your aspirations, priorities and objectives in terms of your financial future. The initial discussion is at our cost. We will get to know you, give you information on our company, services and costs and agree whether our advice services are appropriate for you. There is no obligation to proceed at this stage, and no costs will have been incurred. Once we have agreed the terms on which we are to operate we will proceed to capture important information in more detail about your current financial circumstances, your aspirations, priorities and objectives for the future. We will also discuss your attitude toward ‘investment risk’, analyse your ‘capacity for loss’ and your understanding of how such risks may include: • Offering you affect you. The consultation will close with a single or range summary of products from which to choose our findings, and our suggested next steps toward a product that suits your insurance needs; • Advising you on your insurance needs; • Arranging suitable insurance cover with insurers to meet your requirements; • Helping you with any subsequent changes tailored, yet realistic, solution to your insurance you have to make; • Providing all reasonable assistance with any claim you makeneeds. In some cases, we act for insurers under a delegated authority agreement and can enter into insurance policies, issue policy documentation and/or handle or settle claims on their behalf. Where we act on behalf of the insurer and not youAt this stage, we will notify you accordingly and in relation begin to claims we will advise you undertake the process of this fact when you notify us of a claim. Notwithstanding this, we endeavour to always act in thoroughly analysing your best interest. As intermediaries, we offer a wide range of insurance products and have access to many leading insurance companies and the Lloyd’s market. Depending on the type of cover you require and where we have provided advice current position based on a personal recommendationour extensive knowledge of financial markets, we will offer you a policy from either: • a single insurer; • a limited range of insurers; or • a fair analysis that is representative of the insurance market. We will advise you separately as to which of these apply before we arrange your policy and where we have not undertaken a fair analysis of the market, we will provide you with a list of insurers considered. Jensten Retail Consumer Client TOBA Version 1.0 Nov 2021 Policies taken out, amended, or renewed through our online service will be on a non-advised basis. This means sufficient information will be provided for you to make an informed decision about any product purchased online and you should therefore ensure that any policy provides the cover you require and is suitable diligently researching potential solutions for your needs. For Motor Vehicle insurance Should we require customers need to pay an additional charge for our claims service – Coversure Claimsline (details are provided in a separate document). This is a “one-stop” service that enables us to assist you consult with any claim professional advisers or financial services providers with whom you may incur. The cost of the Coversure Claimsline services will be included in the price quoted to you for the Motor Vehicle insurance and shown separately in your documentation. By purchasing motor insurance from us, you authorise Coversure and its agents to take all necessary actions to handle your claim including dealing with your insurers, third parties and their insurers and other service suppliers on your behalf. For all other policies, including optional additional products and premium finance (if relevant), before the insurance contract is concluded and after we have assessed your demands & needsan agreement, we will provide you with advice ask for your express consent to do so. The process will identify and make a personal recommendation. This will include sufficient information to enable you to make an informed decision about the policy that we have recommended, together with a quotation which will itemise quantify any fees that are payable gaps in addition to the premium. This documentation will also include a statement of your demands short and needs. You should read this carefully as it will explain reasons for making the recommendation we have madelonger term financial objectives.

Our Services. As insurance intermediaries we generally act as the agent of our client1.1. We are subject to the law of agencyan insurance intermediary and risk consultant, which imposes various duties and will act on usyour behalf in arranging your insurance requirements. However, in certain circumstances we may act for and or owe duties a duty of care to other parties, including the insurerparties such as insurers. We will advise inform you when these circumstances occur, occur so you will be aware of any possible conflict of interestconflict. 1.2. We offer a wide range of products and services which may include: • Offering you a single or range of products from which to choose a product that suits your insurance needs; • Advising you on your insurance needs; • Arranging suitable insurance cover with insurers to meet your requirements; • Helping you with any subsequent changes to your insurance you have to make; • Providing all reasonable assistance with any claim you make. In some cases, we act for insurers under a delegated authority agreement and can enter into insurance policies, issue policy documentation and/or handle or settle claims on their behalf. Where we act on behalf of the insurer and not you, we will notify you accordingly and in relation to claims we will advise you of this fact when you notify us of a claim. Notwithstanding this, we endeavour to always act in your best interest. As intermediaries, we offer a wide range of insurance products and have access to many leading insurance companies and the Lloyd’s market. Depending on the type of cover you require and where we have provided advice based on a personal recommendation, we will offer you a policy from either: • a single insurer; • a limited range of insurers; or • a fair analysis that is representative of the insurance market. We will advise you separately as to which of these apply before we arrange your policy and where we have not undertaken a fair analysis of the market, we will provide you with a list of insurers considered. Jensten Retail Consumer Client TOBA Version 1.0 Nov 2021 Policies Insurance policies taken out, amended, amended or renewed through our online online/remote service (i.e. without speaking to one of our advisors) will be on a non-advised basis. This means sufficient information will be provided in order for you to make an informed decision about any product purchased online and you insurance transactions undertaken by you. You should therefore ensure that any policy provides such transactions are suitable for your needs. 1.3. If you speak to one of our advisors about taking out, amending or renewing your policy, then you are likely to do so on an advised basis. This will include the cover you require provision of advice and recommendations where appropriate, in order to ensure insurance discussed is suitable for your needs. 1.4. For Motor Vehicle insurance we require customers to pay an additional charge for our claims service – Coversure Claimsline (details are provided in We offer a separate document). This is a “one-stop” service that enables us to assist you with any claim you may incur. The cost wide range of the Coversure Claimsline services will be included in the price quoted to you for the Motor Vehicle insurance and shown separately in your documentation. By purchasing motor insurance from us, you authorise Coversure and its agents to take all necessary actions to handle your claim including dealing with your insurers, third parties and their insurers and other service suppliers on your behalf. For all other policies, including optional additional products and premium finance (if relevant), before the our services may include: • advising on and recommending insurance contract is concluded and after we have assessed your demands & needs, we will provide you with advice and make a personal recommendation. This will include sufficient information to enable you to make cover following an informed decision about the policy that we have recommended, together with a quotation which will itemise any fees that are payable in addition to the premium. This documentation will also include a statement assessment of your demands and needs; • negotiating terms on your behalf with insurers; • providing you with sufficient information so you can make an informed decision as to which policy you want; • making arrangements with the insurer for your policy to start; and • helping you with any on-going changes you have to make and providing assistance should you need to make a claim. 1.5. You should read this carefully as it Depending on the type of cover you require, we will explain reasons either: • look at a range of insurers that is representative of the insurance market; or • select from a limited panel of insurers; or • offer you a contract from a single insurer. 1.6. We will confirm which one of these applies before we arrange your insurance contract. A list of the insurers considered will be available on request. 1.7. Any information we provide on insurance regulatory and tax issues will be based on information available publicly and our experience from working on similar matters for making other clients. We are not qualified to provide, and will not provide, legal, accounting, regulatory or tax advice. We recommend that you obtain your own advice on such matters from relevant professional advisers. 1.8. As part of our negotiations with insurers on your behalf, we may on occasion be able to obtain more favourable terms and conditions for your placement by providing insurers with certain types of information. Where we believe your interests would be advanced by doing so, you authorise us to do the recommendation we following: • at the outset of the negotiations, to provide insurers with the terms of the expiring policy, including pricing, and/or a pricing • at the outset of the negotiations, to provide insurers with the terms of the expiring policy, including pricing, and/or a pricing objective for your placement; • during negotiations, to provide one or more insurers with the terms of a quote received from another insurer, where in our judgment doing so may lead to improved terms for you; and • at the end of negotiations, to provide one or more insurers with an opportunity to submit an improved quote after all other quotes have madebeen received. 1.9. We will be entitled to provide the services ourselves or, where appropriate, through one or more of our affiliates or subcontractors.

Our Services. As insurance intermediaries we generally act as the agent of our client1.1. We are subject to the law of agencyan insurance intermediary and risk consultant, which imposes various duties and will act on usyour behalf in arranging your insurance requirements. However, in certain circumstances we may act for and or owe duties a duty of care to other parties, including the insurerparties such as insurers. We will advise inform you when these circumstances occur, occur so you will be aware of any possible conflict conflict. 1.2. Insurance policies taken out, amended or renewed through our online/remote service (i.e. without speaking to one of interestour advisors) will be on a non- advised basis. This means information will be provided in order for you to make an informed decision about any insurance transactions undertaken by you. You should therefore ensure such transactions are suitable for your needs. 1.3. If you speak to one of our advisors about taking out, amending or renewing your policy, then you are likely to do so on an advised basis. This will include the provision of advice and recommendations where appropriate, in order to ensure insurance discussed is suitable for your needs. 1.4. We offer a wide range of products and our services which may include: • Offering you a single or range  advising on and recommending insurance cover following an assessment of products from which to choose a product that suits your insurance demands and needs; • Advising you  negotiating terms on your insurance needsbehalf with insurers; • Arranging suitable insurance cover  providing you with insurers sufficient information so you can make an informed decision as to meet which policy you want;  making arrangements with the insurer for your requirementspolicy to start; • Helping and  helping you with any subsequent on-going changes to your insurance you have to make; • Providing all reasonable make and providing assistance with any claim should you make. In some cases, we act for insurers under a delegated authority agreement and can enter into insurance policies, issue policy documentation and/or handle or settle claims on their behalf. Where we act on behalf of the insurer and not you, we will notify you accordingly and in relation need to claims we will advise you of this fact when you notify us of make a claim. Notwithstanding this, we endeavour to always act in your best interest. As intermediaries, we offer a wide range of insurance products and have access to many leading insurance companies and the Lloyd’s market. 1.5. Depending on the type of cover you require and where we have provided advice based on a personal recommendationrequire, we will offer you a policy from either: •  look at a single insurer; • a limited range of insurers; or • a fair analysis insurers that is representative of the insurance market; or  select from a limited panel of insurers; or  offer you a contract from a single insurer. 1.6. We will advise you separately as to confirm which one of these apply applies before we arrange your policy and where we have not undertaken a fair analysis insurance contract. A list of the marketinsurers considered will be available on request. 1.7. Any information we provide on insurance regulatory and tax issues will be based on information available publicly and our experience from working on similar matters for other clients. We are not qualified to provide, and will not provide, legal, accounting, regulatory or tax advice. We recommend that you obtain your own advice on such matters from relevant professional advisers. 1.8. As part of our negotiations with insurers on your behalf, we will provide you with a list of insurers considered. Jensten Retail Consumer Client TOBA Version 1.0 Nov 2021 Policies taken out, amended, or renewed through our online service will may on occasion be on a non-advised basis. This means sufficient information will be provided for you able to make an informed decision about any product purchased online obtain more favourable terms and you should therefore ensure that any policy provides the cover you require and is suitable conditions for your needsplacement by providing insurers with certain types of information. For Motor Vehicle insurance Where we require customers to pay an additional charge for our claims service – Coversure Claimsline (details are provided in a separate document). This is a “one-stop” service that enables us to assist you with any claim you may incur. The cost of the Coversure Claimsline services will believe your interests would be included in the price quoted to you for the Motor Vehicle insurance and shown separately in your documentation. By purchasing motor insurance from usadvanced by doing so, you authorise Coversure us to do the following:  at the outset of the negotiations, to provide insurers with the terms of the expiring policy, including pricing, and/or a pricing objective for your placement;  during negotiations, to provide one or more insurers with the terms of a quote received from another insurer, where in our judgment doing so may lead to improved terms for you; and its agents  at the end of negotiations, to take all necessary actions provide one or more insurers with an opportunity to handle your claim including dealing with your insurers, third parties and their insurers and other service suppliers on your behalf. For submit an improved quote after all other policiesquotes have been received. 1.9. We will be entitled to provide the services ourselves or, including optional additional products and premium finance (if relevant)where appropriate, before the insurance contract is concluded and after we have assessed your demands & needs, we will provide you with advice and make a personal recommendation. This will include sufficient information to enable you to make an informed decision about the policy that we have recommended, together with a quotation which will itemise any fees that are payable in addition to the premium. This documentation will also include a statement through one or more of your demands and needs. You should read this carefully as it will explain reasons for making the recommendation we have madeour affiliates or subcontractors.

Our Services. As insurance intermediaries It is important that you know what to expect in terms of the services we generally act as provide, and that you understand our commitment to you in the agent provision of those services. We intend to be professional, clear and fair in our clientdealings with you, always striving to ensure that any service or advice provided is in your best interests. We are subject committed to the law of agencyproviding independent, which imposes various duties personalised, quality advice to our clients on us. However, in certain circumstances we may act for and owe duties of care to other parties, including the insurer. We will advise you when these circumstances occur, so you will be aware of any possible conflict of interest. We offer a wide range of products financial matters. We work in partnership with other local professionals to create a comprehensive solution to our clients’ financial needs. We offer advice services for all your needs, from savings and investment for the future, planning for your retirement needs, tax planning, protecting you and your family, as well as general insurance advice. Our aim is to build a relationship that will allow us to fully understand your life plans and ambitions, delivering long‐term support to help you utilise your monies as wisely as possible and to protect you from any nasty surprises in the future. We offer you an initial discussion at our offices to understand your current circumstances and your aspirations, priorities and objectives in terms of your financial future. The initial discussion is at our cost. We will get to know you, give you information on our company, services and costs and agree whether our advice services are appropriate for you. There is no obligation to proceed at this stage, and no costs will have been incurred. Once we have agreed the terms on which we are to operate we will proceed to capture important information in more detail about your current financial circumstances, your aspirations, priorities and objectives for the future. We will also discuss your attitude toward ‘investment risk’, analyse your ‘capacity for loss’ and your understanding of how such risks may include: • Offering you affect you. The consultation will close with a single or range summary of products from which to choose our findings, and our suggested next steps toward a product that suits your insurance needs; • Advising you on your insurance needs; • Arranging suitable insurance cover with insurers to meet your requirements; • Helping you with any subsequent changes tailored, yet realistic, solution to your insurance you have to make; • Providing all reasonable assistance with any claim you makeneeds. In some cases, we act for insurers under a delegated authority agreement and can enter into insurance policies, issue policy documentation and/or handle or settle claims on their behalf. Where we act on behalf of the insurer and not youAt this stage, we will notify you accordingly and in relation begin to claims we will advise you undertake the process of this fact when you notify us of a claim. Notwithstanding this, we endeavour to always act in thoroughly analysing your best interest. As intermediaries, we offer a wide range of insurance products and have access to many leading insurance companies and the Lloyd’s market. Depending on the type of cover you require and where we have provided advice current position based on a personal recommendationour extensive knowledge of financial markets, we will offer you a policy from either: • a single insurer; • a limited range of insurers; or • a fair analysis that is representative of the insurance market. We will advise you separately as to which of these apply before we arrange your policy and where we have not undertaken a fair analysis of the market, we will provide you with a list of insurers considered. Jensten Retail Consumer Client TOBA Version 1.0 Nov 2021 Policies taken out, amended, or renewed through our online service will be on a non-advised basis. This means sufficient information will be provided for you to make an informed decision about any product purchased online and you should therefore ensure that any policy provides the cover you require and is suitable diligently researching potential solutions for your needs. For Motor Vehicle insurance Should we require customers need to pay an additional charge for our claims service – Coversure Claimsline (details are provided in a separate document). This is a “one-stop” service that enables us to assist you consult with any claim professional advisers or financial services providers with whom you may incur. The cost of the Coversure Claimsline services will be included in the price quoted to you for the Motor Vehicle insurance and shown separately in your documentation. By purchasing motor insurance from us, you authorise Coversure and its agents to take all necessary actions to handle your claim including dealing with your insurers, third parties and their insurers and other service suppliers on your behalf. For all other policies, including optional additional products and premium finance (if relevant), before the insurance contract is concluded and after we have assessed your demands & needsan agreement, we will provide you with advice ask for your express consent to do so. The process will identify and make a personal recommendation. This will include sufficient information to enable you to make an informed decision about the policy that we have recommended, together with a quotation which will itemise quantify any fees that are payable gaps in addition to the premium. This documentation will also include a statement of your demands short- and needs. You should read this carefully as it will explain reasons for making the recommendation we have madelonger- term financial objectives.