Common use of Policy Arrangement & Implementation – Lump Sum Investments or Transfers Clause in Contracts

Policy Arrangement & Implementation – Lump Sum Investments or Transfers. Should you instruct us to proceed with (any of) our recommendation(s) we will act for you in the following ways: • Handle all fund and policy administration on your behalf; • Provide regular updates to keep you informed of progress; • Ensure all your documents are issued in line with your expectations; • Provide confirmation of all actions taken on your behalf in writing. Our charge for this service is based on a fee for each contract being arranged plus a percentage of the amount you invest and/or transfer. Where multiple plans are arranged either individually or as part of a household, we will discuss and agree any reduction in the charges below where applicable. These charges are applied as follows: • Personal Pension Plan for Accumulation Purposes £500 • Self Invested Personal Pension Plan for more Complex Investments £750 • Personal Pension Plan or SIPP for Flexi Access Drawdown £750 • Analysis of existing personal pensions with a view to consolidation £250 per plan • Arrangement of an Annuity or similar retirement product £500 • Setting up a new ISA / General Investment £500 • Review of existing ISA/GI plans £250 per plan • Structured Deposits £500 • Investments offering Business Relief £750 • Investments written in trust £750 • All other investments to be discussed and agreed at the time of initial meeting • In addition there will be a charge of 1.0% of the lump sum being invested or transferred added to the charge • For new funds being added to existing contracts, the charge will just be 1% of the new funds added This payment can either be facilitated by the product provider when they receive your funds or paid directly by you. Where we receive such a payment we will waive our ‘financial review and recommendation’ fee by the same amount. Example 1; if we arrange an investment on your behalf for £10,000 into a single ISA, our Policy Arrangement & Implementation fee would be £400 (£300 plan charge + 1% of £10,000) Example 2; if we arrange investments on your behalf totalling £100,000 split between a personal pension and ISA, our Policy Arrangement & Implementation fee would be £1,600 (2 x £300 policy implementation + 1.0% of £100,000) In all cases, we reserve the right to charge additional fees where exceptional amounts or circumstances are involved. If this is the case, we will advise you at the initial meeting stage if we feel this may apply and gain your agreement to proceed.

Policy Arrangement & Implementation – Lump Sum Investments or Transfers. Should you instruct us to proceed with (any of) of our recommendation(s) recommendations we will act for you in the following ways: • Handle all fund and policy administration on your behalf; • Provide regular updates to keep you informed of progress; • Ensure all your documents are issued in line with your expectations; • Provide confirmation of all actions taken on your behalf in writing. Our charge for this service is based on a fee for each contract being arranged plus a percentage of the amount you invest and/or transfer. Where multiple plans are arranged either individually or as part of a household, we will discuss and agree any reduction in the charges below where applicable. These charges are applied as follows: • Personal Pension Plan for Accumulation Purposes 3% on the first £500 250,000, followed by • Self Invested Personal Pension Plan for more Complex Investments £750 • Personal Pension Plan or SIPP for Flexi Access Drawdown £750 • Analysis of existing personal pensions with a view to consolidation £250 per plan • Arrangement of an Annuity or similar retirement product £500 • Setting up a new ISA / General Investment £500 • Review of existing ISA/GI plans £250 per plan • Structured Deposits £500 • Investments offering Business Relief £750 • Investments written in trust £750 • All other investments to be discussed and agreed at the time of initial meeting • In addition there will be a charge of 1.0% of the lump sum being invested or transferred added to the charge • For new funds being added to existing contracts, the charge will just be 1% of the new funds added on £250,001 and above This payment can either be facilitated taken from your investment upon receipt by the product policy provider when they receive your funds or paid directly by you. Where we receive such a payment we will waive our ‘financial review and recommendation’ fee by the same amount. Example 1; if we arrange an investment on your behalf for £10,000 into a single ISA, our Policy Arrangement & Implementation implementation fee would be £400 (£300 plan charge + 1% 300. As this is less than the ‘financial review and recommendation’ total fee of £10,000) 1,000 we would charge you £700 as the balance. The total fee payable would be £1000 Example 2; if we arrange investments on your behalf totalling £100,000 split between 500,000 our implementation fee would be £10,000 (3% of the first £250,000 (£7500) plus 1%of the next £250,000 (£2500) = £10,000) As this exceeds the ‘financial review and recommendation’ fee no other charges would be applied. The total fee payable would be £10,000 Our charge for implementing a personal pension regular contribution savings or investment plan is 50% of the first year’s contributions. Again, we will waive our ‘financial review and ISA, recommendation’ fee by the same amount. You can pay this under either of the two options listed below: • Option 1 You can pay this directly on commencement of the policy. Example 1; if your monthly contribution is £50 our Policy Arrangement & Implementation fee would be £1,600 300. As this less than the ‘financial review and recommendation’ fee of £1000 we would charge you an additional £700 as the balance. The total fee payable would be £1000. Example 2; if your monthly contribution is £200 our Policy Arrangement & Implementation fee would be £1,200. As this exceeds the ‘financial review and recommendation’ fee no other charges would be applied. The total fee payable would be £1,200. • Option 2 You can facilitate the implementation fee through your policy. For monthly contributions under £166.66, 50% of the first year’s contributions would be less than our minimum fee of £1000. 11 payments of 50% of each monthly contribution will be deducted from month 2 to month 12, and the balance will be paid directly by you at the start of your policy, to bring the total fee payable to £1000 (please see example below). Example; if your monthly contribution is £100 our implementation fee would be £600 (£100 x 12 x 50%). This will be collected by deducting £50 (£100 x 50%) from each monthly contribution for months 2 to 12 (11 x £300 policy implementation + 1.0% 50 = £550). As this is less than the ‘financial review and recommendation’ fee of £100,000) In all cases1000, we reserve would charge you the right balance of £450 by direct payment, at the start of your policy. The total fee payable would be £1000. Example; if your monthly contribution is £200 our implementation fee would be £1200. This will be collected by deducting £100 from each monthly contribution for the first 12 months. As this exceeds the ‘financial review and recommendation’ fee no other charges would be applied. The total fee payable would be £1,200. Should you decide to pay this charge additional fees where exceptional amounts or circumstances are involved. If this is through your policy and payments to the casepolicy subsequently cease, we will advise calculate the total payments received to date and charge you at the initial meeting stage balance against the implementation fee. For example, if we feel this may apply you invest £200pm our total charge will be £1200. We will deduct £100 from each monthly contribution until paid in full. Should payments cease after month 6 (and gain your agreement £600 has been collected) the difference will be charged to proceedyou i.e. £600.

Policy Arrangement & Implementation – Lump Sum Investments or Transfers. Should you instruct us to proceed with (any of) our recommendation(s) we will act for you in the following ways: •  Handle all fund and policy administration on your behalf; •  Provide regular updates to keep you informed of progress; •  Ensure all your documents are issued in line with your expectations; •  Provide confirmation of all actions taken on your behalf in writing. Our charge for this service is based on a fee for each contract being arranged plus a percentage of the amount you invest and/or transfer. Where multiple plans are arranged either individually or as part of a household, we will discuss and agree any reduction in the charges below where applicable. These charges are applied as follows: • Personal Pension Plan for Accumulation Purposes  3.0% on the first £500 • Self Invested Personal Pension Plan for more Complex Investments 75,000, followed by  2.0% between £750 • Personal Pension Plan or SIPP for Flexi Access Drawdown 75,001 to £750 • Analysis of existing personal pensions with a view to consolidation £250 per plan • Arrangement of an Annuity or similar retirement product £500 • Setting up a new ISA / General Investment £500 • Review of existing ISA/GI plans £250 per plan • Structured Deposits £500 • Investments offering Business Relief £750 • Investments written in trust £750 • All other investments to be discussed and agreed at the time of initial meeting • In addition there will be a charge of 150,000, followed by  1.0% of the lump sum being invested or transferred added between £150,001 to the charge • For new funds being added to existing contracts£500,000, the charge will just be 1followed by  0.5% of the new funds added on £500,001 and above This payment can either be facilitated by the product provider when they receive your funds or paid directly by you. Where we receive such a payment we will waive our ‘financial review and recommendation’ fee by the same amount. Example 1; if we arrange an investment on your behalf for £10,000 into a single ISA, our Policy Arrangement & Implementation fee would be £400 (£300 plan charge + 1% 300. As this is less than the ‘financial review and recommendation’ fee of £10,000) 500 we would charge you an additional £200 as the balance. The total fee payable would be £500 Example 2; if we arrange investments on your behalf totalling £100,000 split between a personal pension and ISA, our Policy Arrangement & Implementation fee would be £1,600 2,750 (2 x £300 policy implementation + 1.03% of the first £100,00075,000 (£2,250) In all cases, we reserve plus 2% of the right to charge additional fees where exceptional amounts or circumstances are involvednext £25,000 (£500) = £2,750). If As this is exceeds the case, we will advise you at the initial meeting stage ‘financial review and recommendation’ fee no other charges would be applied. The total fee payable would be £2,750 Example 3; if we feel arrange investments on your behalf totalling £300,000 our Policy Arrangement & Implementation fee would be £5,250 (3% of the first £75,000 (£2,250) plus 2% of the next £75,000 (£1,500) plus 1% of the next £150,000 (£1,500) = £5,250). As this may apply exceeds the ‘financial review and gain your agreement to proceed.recommendation’ fee no other charges would be applied. The total fee payable would be £5,250

Policy Arrangement & Implementation – Lump Sum Investments or Transfers. Should you instruct us to proceed with (any of) of our recommendation(s) recommendations we will act for you in the following ways: • Handle all fund and policy administration on your behalf; • Provide regular updates to keep you informed of progress; • Ensure all your documents are issued in line with your expectations; • Provide confirmation of all actions taken on your behalf in writing. Our charge for this service is based on a fee for each contract being arranged plus a percentage of the amount you invest and/or transfer. Where multiple plans are arranged either individually or as part of a household, we will discuss and agree any reduction in the charges below where applicable. These charges are applied as follows: • Personal Pension Plan for Accumulation Purposes Up to £500 50,000 – 3% • Self Invested Personal Pension Plan for more Complex Investments £750 50,001 to £100,000 – 2.5% • Personal Pension Plan or SIPP for Flexi Access Drawdown £750 100,001 to £250,000 – 2% • Analysis of existing personal pensions with a view £250,001 to consolidation £250 per plan 500,000 – 1.5% • Arrangement of an Annuity or similar retirement product £500 • Setting up a new ISA / General Investment £500 • Review of existing ISA/GI plans £250 per plan • Structured Deposits £500 • Investments offering Business Relief £750 • Investments written in trust £750 • All other investments to be discussed 500,001 and agreed at the time of initial meeting • In addition there will be a charge of 1.0% of the lump sum being invested or transferred added to the charge • For new funds being added to existing contracts, the charge will just be above – 1% of the new funds added This payment can either be facilitated by the product provider when they receive your funds or paid directly by you. Where we receive such a payment payment, we will waive our ‘financial review and recommendation’ fee by the same amount. Our charge for implementing a regular contribution savings or investment plan is 50% of the first year’s contributions. Again, we will waive our ‘financial review and recommendation’ fee by the same amount. You can pay this under either of the two options listed below: • Option 1 You can pay this directly on commencement of the policy. Example 1; if we arrange an investment on your behalf for monthly contribution is £10,000 into a single ISA, 50 our Policy Arrangement & Implementation fee would be £400 (£300 plan charge + 1% 300. As this is less than the ‘financial review and recommendation’ fee of £10,000) 500 we would charge you an additional £200 as the balance. The total fee payable would be £500. Example 2; if we arrange investments on your behalf totalling monthly contribution is £100,000 split between a personal pension and ISA, 200 our Policy Arrangement & Implementation fee would be £1,600 1,200. As this exceeds the ‘financial review and recommendation’ fee no other charges would be applied. The total fee payable would be £1,200. • Option 2 You can facilitate the implementation fee through your policy. For monthly contributions under £83.33, 50% of the first year’s contributions would be less than our minimum fee of £500. 11 payments of 50% of each monthly contribution will be deducted from month 2 to month 12, and the balance will be paid directly by you at the start of your policy, to bring the total fee payable to £500 (please see example below). Example; if your monthly contribution is £50 our implementation fee would be £300 (£50 x 12 x 50%). This will be collected by deducting £25 (£50 x 50%) from each monthly contribution for months 2 to 12 (11 x £300 policy implementation + 1.0% 25 = £275). As this is less than the ‘financial review and recommendation’ fee of £100,000) In all cases500, we reserve would charge you the right balance of £225 by direct payment, at the start of your policy. The total fee payable would be £500. Example; if your monthly contribution is £200 our implementation fee would be £1200. This will be collected by deducting £100 from each monthly contribution for the first 12 months. As this exceeds the ‘financial review and recommendation’ fee no other charges would be applied. The total fee payable would be £1,200. Should you decide to pay this charge additional fees where exceptional amounts or circumstances are involved. If this is through your policy and payments to the casepolicy subsequently cease, we will advise calculate the total payments received to date and charge you at the initial meeting stage balance against the implementation fee. For example, if we feel this may apply you invest £100pm our total charge will be £600. We will deduct £50 from each monthly contribution until paid in full. Should payments cease after month 6 (and gain your agreement £300 has been collected) the difference will be charged to proceedyou i.e. £300.

Policy Arrangement & Implementation – Lump Sum Investments or Transfers. Should you instruct us to proceed with (any of) of our recommendation(s) recommendations we will act for you in the following ways: •  Handle all fund and policy administration on your behalf; •  Provide regular updates to keep you informed of progress; •  Ensure all your documents are issued in line with your expectations; •  Provide confirmation of all actions taken on your behalf in writing.  Our charge for this service is based on a fee for each contract being arranged plus a percentage of the amount you invest and/or transfer. Where multiple plans are arranged either individually or as part of a household, we will discuss and agree any reduction in the charges below where applicable. These charges are applied as follows: • Personal Pension Plan for Accumulation Purposes follows  Up to £500 • Self Invested Personal Pension Plan for more Complex Investments 50,000 – 3%  £750 • Personal Pension Plan or SIPP for Flexi Access Drawdown 50,001 to £750 • Analysis of existing personal pensions with a view to consolidation 100,000 – 2%  £250 per plan • Arrangement of an Annuity or similar retirement product £500 • Setting up a new ISA / General Investment £500 • Review of existing ISA/GI plans £250 per plan • Structured Deposits £500 • Investments offering Business Relief £750 • Investments written in trust £750 • All other investments to be discussed 100,001 and agreed at the time of initial meeting • In addition there will be a charge of 1.0above – 1.5% of the lump sum being invested or transferred added to the charge • For new funds being added to existing contracts, the charge will just be 1% of the new funds added This payment can either be facilitated taken from your investment upon receipt by the product policy provider when they receive your funds or paid directly by you. Where we receive such a payment we will waive our ‘financial review and recommendation’ fee by the same amount. Example 1; if we arrange an investment on your behalf for £10,000 into a single ISA, our Policy Arrangement & Implementation fee would be £400 (£300 plan charge + 1% 300. As this is less than the ‘financial review and recommendation’ fee of £10,000) 500 we would charge you an additional £200 as the balance. The total fee payable would be £500. Example 2; if we arrange investments on your behalf totalling £100,000 split between a personal pension and ISA, our Policy Arrangement & Implementation fee would be £1,600 (2 x 2,000. As this exceeds the ‘financial review and recommendation’ fee no other charges would be applied. The total fee payable would be £300 policy implementation + 1.0% of £100,000) In all cases, we reserve the right to charge additional fees where exceptional amounts or circumstances are involved2,000. If this is the case, we will advise you at the initial meeting stage Example 3; if we feel arrange investments on your behalf totalling £300,000 our Policy Arrangement & Implementation fee would be £4,500. As this may apply exceeds the ‘financial review and gain your agreement to proceedrecommendation’ fee no other charges would be applied. The total fee payable would be £4,500.

Policy Arrangement & Implementation – Lump Sum Investments or Transfers. Should you instruct us to proceed with (any of) of our recommendation(s) recommendations we will act for you in the following ways: • Handle all fund and policy administration on your behalf; • Provide regular updates to keep you informed of progress; • Ensure all your documents are issued in line with your expectations; • Provide confirmation of all actions taken on your behalf in writing. Our charge for this service is based on a fee for each contract being arranged plus a percentage of the amount you invest and/or transfer. Where multiple plans are arranged either individually or as part of a household, we will discuss and agree any reduction in the charges below where applicable. These charges are applied as follows: • Personal Pension Plan for Accumulation Purposes Up to £500 50,000 – 3% • Self Invested Personal Pension Plan for more Complex Investments £750 50,001 to £100,000 – 2.5% • Personal Pension Plan or SIPP for Flexi Access Drawdown £750 100,001 to £250,000 – 2% • Analysis of existing personal pensions with a view £250,001 to consolidation £250 per plan 500,000 – 1.5% • Arrangement of an Annuity or similar retirement product £500 • Setting up a new ISA / General Investment £500 • Review of existing ISA/GI plans £250 per plan • Structured Deposits £500 • Investments offering Business Relief £750 • Investments written in trust £750 • All other investments to be discussed 500,001 and agreed at the time of initial meeting • In addition there will be a charge of 1.0% of the lump sum being invested or transferred added to the charge • For new funds being added to existing contracts, the charge will just be above – 1% of the new funds added This payment can either be facilitated by the product provider when they receive your funds or paid directly by you. Where we receive such a payment payment, we will waive our ‘financial review and recommendation’ fee by the same amount. Example 1; if we arrange an investment on your behalf for £10,000 into a single ISA, our Policy Arrangement & Implementation fee would be £400 (£300 plan charge + 1% 300. As this is less than the ‘financial review and recommendation’ fee of £10,000) 500 we would charge you an additional £200 as the balance. The total fee payable would be £500. Example 2; if we arrange investments on your behalf totalling £100,000 split between a personal pension and ISA, our Policy Arrangement & Implementation fee would be £1,600 (2 x 2,500. As this exceeds the ‘financial review and recommendation’ fee no other charges would be applied. The total fee payable would be £300 policy implementation + 1.02,500. Example 3; if we arrange investments on your behalf totalling £300,000 our Policy Arrangement & Implementation fee would be £4,500. As this exceeds the ‘financial review and recommendation’ fee no other charges would be applied. The total fee payable would be £4,500. Our charge for implementing a regular contribution savings or investment plan is 50% of £100,000) In all cases, we reserve the right to charge additional fees where exceptional amounts or circumstances are involvedfirst year’s contributions. If this is the caseAgain, we will advise waive our ‘financial review and recommendation’ fee by the same amount. You can pay this under either of the two options listed below: • Option 1 You can pay this directly on commencement of the policy. Example 1; if your monthly contribution is £50 our Policy Arrangement & Implementation fee would be £300. As this is less than the ‘financial review and recommendation’ fee of £500 we would charge you an additional £200 as the balance. The total fee payable would be £500. Example 2; if your monthly contribution is £200 our Policy Arrangement & Implementation fee would be £1,200. As this exceeds the ‘financial review and recommendation’ fee no other charges would be applied. The total fee payable would be £1,200. • Option 2 You can facilitate the implementation fee through your policy. £500. 11 payments of 50% of each monthly contribution will be deducted from month 2 to month 12, and the balance will be paid directly by you at the initial meeting stage start of your policy, to bring the total fee payable to £500 (please see example below). Example; if your monthly contribution is £50 our implementation fee would be £300 (£50 x 12 x 50%). This will be collected by deducting £25 (£50 x 50%) from each monthly contribution for months 2 to 12 (11 x £25 = £275). As this is less than the ‘financial review and recommendation’ fee of £500, we feel would charge you the balance of £225 by direct payment, at the start of your policy. The total fee payable would be £500. Example; if your monthly contribution is £200 our implementation fee would be £1200. This will be collected by deducting £100 from each monthly contribution for the first 12 months. As this may apply exceeds the ‘financial review and gain recommendation’ fee no other charges would be applied. The total fee payable would be £1,200. Should you decide to pay this charge through your agreement policy and payments to proceedthe policy subsequently cease, we will calculate the total payments received to date and charge you the balance against the implementation fee. For example, if you invest £100pm our total charge will be £600. We will deduct £50 from each monthly contribution until paid in full. Should payments cease after month 6 (and £300 has been collected) the difference will be charged to you i.e. £300.

Policy Arrangement & Implementation – Lump Sum Investments or Transfers. Should you instruct us to proceed with (any of) our recommendation(s) we will act for you in the following ways: • Handle all fund and policy administration on your behalf; • Provide regular updates to keep you informed of progress; • Ensure all your documents are issued in line with your expectations; • Provide confirmation of all actions taken on your behalf in writing. Our charge for this service is based on a fee for each contract being arranged plus a percentage of the amount you invest and/or transfer. Where multiple plans are arranged either individually or as part of a household, we will discuss and agree any reduction in the charges below where applicable. These charges are applied as follows: • Personal Pension Plan for Accumulation Purposes 3% on the first £500 50,000, followed by • Self Invested Personal Pension Plan for more Complex Investments 2% between £750 50,001 to £100,000, followed by • Personal Pension Plan or SIPP for Flexi Access Drawdown £750 • Analysis of existing personal pensions with a view to consolidation £250 per plan • Arrangement of an Annuity or similar retirement product £500 • Setting up a new ISA / General Investment £500 • Review of existing ISA/GI plans £250 per plan • Structured Deposits £500 • Investments offering Business Relief £750 • Investments written in trust £750 • All other investments to be discussed and agreed at the time of initial meeting • In addition there will be a charge of 1.0% of the lump sum being invested or transferred added to the charge • For new funds being added to existing contracts, the charge will just be 1% of the new funds added on £100,001 and above This payment can either be facilitated by the product provider when they receive your funds or paid directly by you. Where we receive such a payment we will waive our ‘financial review and recommendation’ fee by the same amount. Example 1; if we arrange an investment on your behalf for £10,000 into a single ISA, our Policy Arrangement & Implementation fee would be £400 (£300 plan charge + 1% 300. As this is less than the ‘financial review and recommendation’ fee of £10,000) 500 we would charge you an additional £200 as the balance. The total fee payable would be £500. Example 2; if we arrange investments on your behalf totalling £100,000 split between a personal pension and ISA, our Policy Arrangement & Implementation fee would be £1,600 2,500 (2 x £300 policy implementation + 1.03% of the first £100,00050,000 (£1,500) In all cases, we reserve plus 2% of the right to charge additional fees where exceptional amounts or circumstances are involvednext £50,000 (£1,000) = £2,500). If As this is exceeds the case, we will advise you at the initial meeting stage ‘financial review and recommendation’ fee no other charges would be applied. The total fee payable would be £2,500. Example 3; if we feel arrange investments on your behalf totalling £300,000 our Policy Arrangement & Implementation fee would be £4,500 (3% of the first £50,000 (£1,500) plus 2% of the next £50,000 (£1,000) plus 1% of the next £200,000 (£2,000) = £4,500). As this may apply exceeds the ‘financial review and gain your agreement to proceedrecommendation’ fee no other charges would be applied. The total fee payable would be £4,500. Our charge for implementing a regular contribution savings or investment plan is our review and recommendation fee of £500 which is due on commencement of the policy.

Policy Arrangement & Implementation – Lump Sum Investments or Transfers. Should you instruct us to proceed with (any of) of our recommendation(s) recommendations we will act for you in the following ways: • Handle all fund and policy administration on your behalf; • Provide regular updates to keep you informed of progress; • Ensure all your documents are issued in line with your expectations; • Provide confirmation of all actions taken on your behalf in writing. Our charge for this service is based on a fee for each contract being arranged plus a percentage of the amount you invest and/or transfer. Where multiple plans are arranged either individually or as part of a household, we will discuss and agree any reduction in the charges below where applicable. These charges are applied as follows: • Personal Pension Plan for Accumulation Purposes Up to £500 50,000 – 3% • Self Invested Personal Pension Plan for more Complex Investments £750 50,001 to £100,000 – 2.5% • Personal Pension Plan or SIPP for Flexi Access Drawdown £750 100,001 to £250,000 – 2% • Analysis of existing personal pensions with a view £250,001 to consolidation £250 per plan 500,000 – 1.5% • Arrangement of an Annuity or similar retirement product £500 • Setting up a new ISA / General Investment £500 • Review of existing ISA/GI plans £250 per plan • Structured Deposits £500 • Investments offering Business Relief £750 • Investments written in trust £750 • All other investments to be discussed 500,001 and agreed at the time of initial meeting • In addition there will be a charge of 1.0% of the lump sum being invested or transferred added to the charge • For new funds being added to existing contracts, the charge will just be above – 1% of the new funds added This payment can either be facilitated by the product provider when they receive your funds or paid directly by you. Where we receive such a payment we will waive our ‘financial review and recommendation’ fee by the same amount. Example 1; if we arrange an investment on your behalf for £10,000 into a single ISA, our Policy Arrangement & Implementation fee would be £400 (£300 plan charge + 1% 300. As this is less than the ‘financial review and recommendation’ fee of £10,000) 500 we would charge you an additional £200 as the balance. The total fee payable would be £500. Example 2; if we arrange investments on your behalf totalling £100,000 split between a personal pension and ISA, our Policy Arrangement & Implementation fee would be £1,600 (2 x 2,500. As this exceeds the ‘financial review and recommendation’ fee no other charges would be applied. The total fee payable would be £300 policy implementation + 1.02,500. Example 3; if we arrange investments on your behalf totalling £300,000 our Policy Arrangement & Implementation fee would be £4,500. As this exceeds the ‘financial review and recommendation’ fee no other charges would be applied. The total fee payable would be £4,500. Our charge for implementing a regular contribution savings or investment plan is 50% of £100,000) In all cases, we reserve the right to charge additional fees where exceptional amounts or circumstances are involvedfirst year’s contributions. If this is the caseAgain, we will advise waive our ‘financial review and recommendation’ fee by the same amount. You can pay this under either of the two options listed below: • Option 1 You can pay this directly on commencement of the policy. Example 1; if your monthly contribution is £50 our Policy Arrangement & Implementation fee would be £300. As this is less than the ‘financial review and recommendation’ fee of £500 we would charge you an additional £200 as the balance. The total fee payable would be £500. Example 2; if your monthly contribution is £200 our Policy Arrangement & Implementation fee would be £1,200. As this exceeds the ‘financial review and recommendation’ fee no other charges would be applied. The total fee payable would be £1,200. • Option 2 You can facilitate the implementation fee through your policy. £500. 11 payments of 50% of each monthly contribution will be deducted from month 2 to month 12, and the balance will be paid directly by you at the initial meeting stage start of your policy, to bring the total fee payable to £500 (please see example below). Example; if your monthly contribution is £50 our implementation fee would be £300 (£50 x 12 x 50%). This will be collected by deducting £25 (£50 x 50%) from each monthly contribution for months 2 to 12 (11 x £25 = £275). As this is less than the ‘financial review and recommendation’ fee of £500, we feel would charge you the balance of £225 by direct payment, at the start of your policy. The total fee payable would be £500. Example; if your monthly contribution is £200 our implementation fee would be £1200. This will be collected by deducting £100 from each monthly contribution for the first 12 months. As this may apply exceeds the ‘financial review and gain recommendation’ fee no other charges would be applied. The total fee payable would be £1,200. Should you decide to pay this charge through your agreement policy and payments to proceedthe policy subsequently cease, we will calculate the total payments received to date and charge you the balance against the implementation fee. For example, if you invest £100pm our total charge will be £600. We will deduct £50 from each monthly contribution until paid in full. Should payments cease after month 6 (and £300 has been collected) the difference will be charged to you i.e. £300.

Policy Arrangement & Implementation – Lump Sum Investments or Transfers. Should you instruct us to proceed with (any of) our recommendation(s) we will act for you in the following ways: • Handle all fund and policy administration on your behalf; • Provide regular updates to keep you informed of progress; • Ensure all your documents are issued in line with your expectations; • Provide confirmation of all actions taken on your behalf in writing. Our charge for this service is based on a fee for each contract being arranged plus a percentage of the amount you invest and/or transfer. Where multiple plans are arranged either individually or as part of a household, we will discuss and agree any reduction in the charges below where applicable. These charges are applied as follows: • Personal Pension Plan for Accumulation Purposes 2% on the first £500 100,000, followed by • Self Invested Personal Pension Plan for more Complex Investments 1.5% between £750 100,001 to £200,000, followed by • Personal Pension Plan or SIPP for Flexi Access Drawdown £750 • Analysis of existing personal pensions with a view to consolidation £250 per plan • Arrangement of an Annuity or similar retirement product £500 • Setting up a new ISA / General Investment £500 • Review of existing ISA/GI plans £250 per plan • Structured Deposits £500 • Investments offering Business Relief £750 • Investments written in trust £750 • All other investments to be discussed and agreed at the time of initial meeting • In addition there will be a charge of 1.0% of the lump sum being invested or transferred added to the charge • For new funds being added to existing contracts, the charge will just be 1% of the new funds added on £200,001 and above This payment can either be facilitated by the product provider when they receive your funds or paid directly by you. Where we receive such a payment we will waive our ‘financial review and recommendation’ fee by the same amount. Example 1; if we arrange an investment on your behalf for £10,000 into a single ISA, 25,000 our Policy Arrangement & Implementation fee would be £400 (500. The total fee payable would be £300 plan charge + 1% of £10,000) 500. Example 2; if we arrange investments on your behalf totalling £100,000 split between a personal pension and ISA, our Policy Arrangement & Implementation fee would be £1,600 2,000. (2 x £300 policy implementation + 1.02% of the first £100,000) In all cases, we reserve the right to charge additional fees where exceptional amounts or circumstances are involved100,000 (£2,000). If this is the case, we will advise you at the initial meeting stage The total fee payable would be Example 3; if we feel arrange investments on your behalf totalling £200,000 our Policy Arrangement & Implementation fee would be £3,000. (2% of the first £100,000 (£2,000) plus 1.5% of the next £100,000 (£1,500) = £3,500). The total fee payable would be £3,500. Our charge for implementing a regular contribution savings or investment plan is 0% of the first year’s contributions. You pay this may apply and gain directly on commencement of the policy. Example 1; if your agreement to proceedmonthly contribution is £20 our Policy Arrangement & Implementation fee would be Nil. Example 2; if your monthly contribution is £200 our Policy Arrangement & Implementation fee would be Nil. Example 3; if your monthly contribution is £2,000 our Policy Arrangement & Implementation fee would be Nil.

Policy Arrangement & Implementation – Lump Sum Investments or Transfers. Should you instruct us to proceed with (any of) our recommendation(s) we will act for you in the following ways: • Handle all fund and policy administration on your behalf; • Provide regular updates to keep you informed of progress; • Ensure all your documents are issued in line with your expectations; • Provide confirmation of all actions taken on your behalf in writing. Our charge for this service is based on a fee for each contract being arranged plus a percentage of the amount you invest and/or transfer. Where multiple plans are arranged either individually or as part of a household, we will discuss and agree any reduction in the charges below where applicable. These charges are applied as follows, subject to a minimum fee of £600: • Personal Pension Plan for Accumulation Purposes 5% on the first £500 300,000, followed by • Self Invested Personal Pension Plan for more Complex Investments 4% between £750 300,001 to £500,000, followed by • Personal Pension Plan or SIPP for Flexi Access Drawdown 3% on £750 • Analysis of existing personal pensions with a view to consolidation £250 per plan • Arrangement of an Annuity or similar retirement product £500 • Setting up a new ISA / General Investment £500 • Review of existing ISA/GI plans £250 per plan • Structured Deposits £500 • Investments offering Business Relief £750 • Investments written in trust £750 • All other investments to be discussed 500,00 and agreed at the time of initial meeting • In addition there will be a charge of 1.0% of the lump sum being invested or transferred added to the charge • For new funds being added to existing contracts, the charge will just be 1% of the new funds added above This payment can either be facilitated by the product provider when they receive your funds or paid directly by you. Where we receive such a payment we will waive our ‘financial review and recommendation’ fee by the same amount. Example 1; if we arrange an investment on your behalf for £10,000 into a single ISA, our Policy Arrangement & Implementation fee would be £400 (300. As this is less than the ‘financial review and recommendation’ fee of £600 we would charge you an additional £300 plan charge + 1% of as the balance. The total fee payable would be £10,000) 600. Example 2; if we arrange investments on your behalf totalling £100,000 split between a personal pension and ISA, our Policy Arrangement & Implementation fee would be £1,600 5,000 (2 x £300 policy implementation + 1.05% of £100,000) In all cases, we reserve ). As this exceeds the right to charge additional fees where exceptional amounts or circumstances are involved‘financial review and recommendation’ fee no other charges would be applied. If this is the case, we will advise you at the initial meeting stage The total fee payable would be £5,000 Example 3; if we feel arrange investments on your behalf totalling £400,000 our Policy Arrangement & Implementation fee would be £19,000 (5% of the first £300,000 (£15,000) plus 4% of the next £100,000 (£4,000) = £19,000). As this may apply exceeds the ‘financial review and gain your agreement to proceed.recommendation’ fee no other charges would be applied. The total fee payable would be

Policy Arrangement & Implementation – Lump Sum Investments or Transfers. Should you instruct us to proceed with (any of) our recommendation(s) we will act for you in the following ways: •  Handle all fund and policy administration on your behalf; •  Provide regular updates to keep you informed of progress; •  Ensure all your documents are issued in line with your expectations; •  Provide confirmation of all actions taken on your behalf in writing. Our charge for this service is based on a fee for each contract being arranged plus a percentage of the amount you invest and/or transfer. Where multiple plans are arranged either individually or as part of a household, we will discuss and agree any reduction in the charges below where applicable. These charges are applied as follows: • Personal Pension Plan for Accumulation Purposes £500 • Self Invested Personal Pension Plan for more Complex Investments £750 • Personal Pension Plan or SIPP for Flexi Access Drawdown £750 • Analysis of existing personal pensions with a view to consolidation £250 per plan • Arrangement of an Annuity or similar retirement product £500 • Setting up a new ISA / General Investment £500 • Review of existing ISA/GI plans £250 per plan • Structured Deposits £500 • Investments offering Business Relief £750 • Investments written in trust £750 • All other investments to be discussed and agreed at the time of initial meeting • In addition there will be a charge of 1.0% of the lump sum being invested or transferred added to the charge • For new funds being added to existing contracts, the charge will just be  1% of on the new funds added first £500,000, followed by  0.5% between £500,001 to £1,000,000 followed by  0.25% on £1,000,001 and above This payment can either be facilitated by the product provider when they receive your funds or paid directly by you. Where we receive such , or a payment we will waive our ‘financial review and recommendation’ fee by combination of the same amounttwo. Example 1; if we arrange an investment on your behalf for £10,000 into a single ISA, 150,000 our Policy Arrangement & Implementation fee would be £400 (1,500. The ‘financial review and recommendation’ fee will be £300 plan charge + 1% of 1,500. The total fee payable would be £10,000) 3,000. Example 2; if we arrange investments an investment on your behalf totalling for £100,000 split between a personal pension and ISA, 750,000 our Policy Arrangement & Implementation fee would be £1,600 (2 x 6,250. The ‘financial review and recommendation’ fee will be £300 policy 1,500. The total fee payable would be £7,750. Example 3; if we arrange an investment on your behalf for £1,200,000 our Policy Arrangement & Implementation fee would be £8,000. The ‘financial review and recommendation’ fee will be £1,500. The total fee payable would be £9,500. General Financial Planning not previously covered. Examples of this would be advice and implementation + 1.0% on regular premium savings and investments, advice on Trusts and Estate Planning Our charges are £175 per hour for advisory time and £75 per hour for administrators time based on the amount of £100,000) In all cases, time it takes. We will provide you with an estimate of how many hours we reserve the right expect this to charge additional fees where exceptional amounts or circumstances are involved. If this is the case, take and we will advise not exceed this without checking with you at the initial meeting stage if we feel this may apply and gain your agreement to proceedfirst.

Policy Arrangement & Implementation – Lump Sum Investments or Transfers. Should you instruct us to proceed with (any of) our recommendation(s) we will act for you in the following ways: • Handle all fund and policy administration on your behalf; • Provide regular updates to keep you informed of progress; • Ensure all your documents are issued in line with your expectations; • Provide confirmation of all actions taken on your behalf in writing. Our charge for this service is based on a fee for each contract being arranged plus a percentage of the amount you invest and/or transfer. Where multiple plans are arranged either individually or as part of a household, we will discuss and agree any reduction in the charges below where applicable. These charges are applied as follows: • Personal Pension Plan for Accumulation Purposes £500 • Self Invested Personal Pension Plan for more Complex Investments £750 • Personal Pension Plan or SIPP for Flexi Access Drawdown £750 • Analysis of existing personal pensions with a view to consolidation £250 per plan • Arrangement of an Annuity or similar retirement product £500 • Setting up a new ISA / General Investment £500 • Review of existing ISA/GI plans £250 per plan • Structured Deposits £500 • Investments offering Business Relief £750 • Investments written in trust £750 • All other investments to be discussed and agreed at the time of initial meeting • In addition there will be a charge of 1.03% of the lump sum being invested or transferred added value of investment subject to a minimum charge of £600. Our charge for this service on an hourly rate fee is £150-£200 per hour based on the charge • For new funds being added amount of time it takes. We will provide you with an estimate of how many hours we expect this to existing contractstake and we will not exceed this without checking with you first. There is however a minimum timescale of 4 hours for this service, which equals a minimum fee of £600. Whilst we cannot say at outset how many hours the process will take, the charge following are based on typical experiences to guide you as examples: • A pension switch could take 20 hours, totalling a fee of £3,000 • An ISA investment could take 4 hours, totalling a fee of £600 • A pension transfer could take 25 hours, totalling a fee of £5,000 • An ISA and a separate investment could take 20 hours, totalling a fee of £3,000 We will just issue an invoice within 7 days of our recommendation, which can either be 1% paid directly by you or deducted from your investment(s). We must receive full payment of the new funds added invoice amount within 30 days of issue unless you have elected for our fee to be deducted from your investment. This payment can either be facilitated by the product provider when they receive your funds or paid directly by you. Where we receive such a payment we will waive our ‘financial review and recommendation’ fee by the same amount. Example 1; if we arrange an investment on your behalf for £10,000 into a single ISA, our Policy Arrangement & Implementation fee would be £400 (300. As this is less than the ‘financial review and recommendation’ fee of £600 we would charge you an additional £300 plan charge + 1% of as the balance. The total fee payable would be £10,000) 600. Example 2; if we arrange investments on your behalf totalling £100,000 split between a personal pension and ISA, our Policy Arrangement & Implementation fee would be £1,600 (2 x 3,000. As this exceeds the ‘financial review and recommendation’ fee no other charges would be applied. The total fee payable would be£3,000. Example 3; if we arrange investments on your behalf totalling £300 policy implementation + 1.0300,000 our Policy Arrangement & Implementation fee would be £9,000. As this exceeds the ‘financial review and recommendation’ fee no other charges would be applied. The total fee payable would be £9,000. Our charge for implementing a regular contribution savings or investment plan is 50% of £100,000) In all cases, we reserve the right to charge additional fees where exceptional amounts or circumstances are involvedfirst year’s contributions. If this is the caseAgain, we will advise waive our ‘financial review and recommendation’ fee by the same amount. You can pay this under either of the two options listed below: • Option 1 You can pay this directly on commencement of the policy. Example 1; if your monthly contribution is £50 our Policy Arrangement & Implementation fee would be £300. As this less than the ‘financial review and recommendation’ fee of £600 we would charge you an additional £300 as the balance. The total fee payable would be £600 Example 2; if your monthly contribution is £200 our Policy Arrangement & Implementation fee would be £1,200. As this exceeds the ‘financial review and recommendation’ fee no other charges would be applied. The total fee payable would be £1,200. • Option 2 You can facilitate the implementation fee through your policy. £500. 11 payments of 50% of each monthly contribution will be deducted from month 2 to month 12, and the balance will be paid directly by you at the initial meeting stage start of your policy, to bring the total fee payable to £500 (please see example below). Example; if your monthly contribution is £50 our implementation fee would be £300 (£50 x 12 x 50%). This will be collected by deducting £25 (£50 x 50%) from each monthly contribution for months 2 to 12 (11 x £25 = £275). As this is less than the ‘financial review and recommendation’ fee of £500, we feel would charge you the balance of £225 by direct payment, at the start of your policy. The total fee payable would be £500. Example; if your monthly contribution is £200 our implementation fee would be £1200. This will be collected by deducting £100 from each monthly contribution for the first 12 months. As this may apply exceeds the ‘financial review and gain recommendation’ fee no other charges would be applied. The total fee payable would be £1,200. Should you decide to pay this charge through your agreement policy and payments to proceed.the policy subsequently cease, we will calculate the total payments received to date and charge you the balance against the implementation fee. For example, if you invest £100pm our total charge will be £600. We will deduct £50 from each monthly contribution until paid in full. Should payments cease after month 6 (and £300 has been collected) the difference will be charged to you i.e.

Policy Arrangement & Implementation – Lump Sum Investments or Transfers. Should you instruct us to proceed with (any of) our recommendation(s) we will act for you in the following ways: • Handle all fund and policy administration on your behalf; . • Provide regular updates to keep you informed of progress; . • Ensure all your documents are issued in line with your expectations; . • Provide confirmation of all actions taken on your behalf in writing. Our charge for this service is based on a fee for each contract being arranged plus a percentage of the amount you invest and/or transfer. Where multiple plans are arranged either individually or as part of a household, we will discuss and agree any reduction in the charges below where applicable. These charges are applied as follows, subject to a minimum fee of £750: • Personal Pension Plan for Accumulation Purposes 5% on the first £500 200,000, followed by • Self Invested Personal Pension Plan for more Complex Investments 4% between £750 200,001 to £500,000, followed by • Personal Pension Plan or SIPP for Flexi Access Drawdown 3% on £750 • Analysis of existing personal pensions with a view to consolidation £250 per plan • Arrangement of an Annuity or similar retirement product £500 • Setting up a new ISA / General Investment £500 • Review of existing ISA/GI plans £250 per plan • Structured Deposits £500 • Investments offering Business Relief £750 • Investments written in trust £750 • All other investments to be discussed 500,00 and agreed at the time of initial meeting • In addition there will be a charge of 1.0% of the lump sum being invested or transferred added to the charge • For new funds being added to existing contracts, the charge will just be 1% of the new funds added above This payment can either be facilitated by the product provider when they receive your funds or paid directly by you. Where we receive such a payment payment, we will waive our ‘financial review and recommendation’ fee by the same amount. Example 1; if we arrange an investment on your behalf for £10,000 into a single ISA, our Policy Arrangement & Implementation fee would be £400 (£300 plan charge + 1% 500. As this is less than the ‘financial review and recommendation’ fee of £10,000) 750 we would charge you an additional £250 as the balance. The total fee payable would be £750. Example 2; if we arrange investments on your behalf totalling £100,000 split between a personal pension and ISA, our Policy Arrangement & Implementation fee would be £1,600 5,000 (2 x £300 policy implementation + 1.05% of £100,000) In all cases, we reserve ). As this exceeds the right to charge additional fees where exceptional amounts or circumstances are involved‘financial review and recommendation’ fee no other charges would be applied. If this is the case, we will advise you at the initial meeting stage The total fee payable would be £5,000 Example 3; if we feel arrange investments on your behalf totalling £400,000 our Policy Arrangement & Implementation fee would be £19,000 (5% of the first £300,000 (£15,000) plus 4% of the next £100,000 (£4,000) = £19,000). As this may apply exceeds the ‘financial review and gain your agreement to proceedrecommendation’ fee no other charges would be applied. The total fee payable would be £19,000.

Policy Arrangement & Implementation – Lump Sum Investments or Transfers. Should you instruct us to proceed with (any of) our recommendation(s) we will act for you in the following ways: • Handle all fund and policy administration on your behalf; • Provide regular updates to keep you informed of progress; • Ensure all your documents are issued in line with your expectations; • Provide confirmation of all actions taken on your behalf in writing. Our charge for this service is based on a fee for each contract being arranged plus a percentage of the amount you invest and/or transfer. Where multiple plans are arranged either individually or as part of a household, we will discuss and agree any reduction in the charges below where applicable. These charges are applied as follows: • Personal Pension Plan for Accumulation Purposes 3% on the first £500 50,000, followed by • Self Invested Personal Pension Plan for more Complex Investments 2% between £750 50,001 to £100,000, followed by • Personal Pension Plan or SIPP for Flexi Access Drawdown £750 • Analysis of existing personal pensions with a view to consolidation £250 per plan • Arrangement of an Annuity or similar retirement product £500 • Setting up a new ISA / General Investment £500 • Review of existing ISA/GI plans £250 per plan • Structured Deposits £500 • Investments offering Business Relief £750 • Investments written in trust £750 • All other investments to be discussed and agreed at the time of initial meeting • In addition there will be a charge of 1.0% of the lump sum being invested or transferred added to the charge • For new funds being added to existing contracts, the charge will just be 1% of the new funds added on £100,001 and above This payment can either be facilitated by the product provider when they receive your funds or paid directly by you. Where we receive such a payment we will waive our ‘financial review and recommendation’ fee by the same amount. Example 1; if we arrange an investment on your behalf for £10,000 into a single ISA, our Policy Arrangement & Implementation fee would be £400 (£300 plan charge + 1% 300. As this is less than the ‘financial review and recommendation’ fee of £10,000) 500 we would charge you an additional £200 as the balance. The total fee payable would be £500. Example 2; if we arrange investments on your behalf totalling £100,000 split between a personal pension and ISA, our Policy Arrangement & Implementation fee would be £1,600 2,500 (2 x £300 policy implementation + 1.03% of the first £100,00050,000 (£1,500) In all cases, we reserve plus 2% of the right to charge additional fees where exceptional amounts or circumstances are involvednext £50,000 (£1,000) = £2,500). If As this is exceeds the case, we will advise you at the initial meeting stage ‘financial review and recommendation’ fee no other charges would be applied. The total fee payable would be £2,500. Example 3; if we feel arrange investments on your behalf totalling £300,000 our Policy Arrangement & Implementation fee would be £4,500 (3% of the first £50,000 (£1,500) plus 2% of the next £50,000 (£1,000) plus 1% of the next £200,000 (£2,000) = £4,500). As this may apply exceeds the ‘financial review and gain your agreement to proceedrecommendation’ fee no other charges would be applied. The total fee payable would be £4,500.

Policy Arrangement & Implementation – Lump Sum Investments or Transfers. Should you instruct us to proceed with (any of) our recommendation(s) we will act for you in the following ways: • Handle all fund and policy administration on your behalf; . • Provide regular updates to keep you informed of progress; . • Ensure all your documents are issued in line with your expectations; . • Provide confirmation of all actions taken on your behalf in writing. Our charge for this service is based on a fee for each contract being arranged plus a percentage of the amount you invest and/or transfer. Where multiple plans are arranged either individually or as part of a household, we will discuss and agree any reduction in the charges below where applicable. These charges are applied as follows: • Personal Pension Plan for Accumulation Purposes 3% on the first £500 250,000, followed by • Self Invested Personal Pension Plan for more Complex Investments 2% between £750 250,001 to £500,000, followed by • Personal Pension Plan or SIPP for Flexi Access Drawdown £750 • Analysis of existing personal pensions with a view to consolidation £250 per plan • Arrangement of an Annuity or similar retirement product £500 • Setting up a new ISA / General Investment £500 • Review of existing ISA/GI plans £250 per plan • Structured Deposits £500 • Investments offering Business Relief £750 • Investments written in trust £750 • All other investments to be discussed and agreed at the time of initial meeting • In addition there will be a charge of 1.0% of the lump sum being invested or transferred added to the charge • For new funds being added to existing contracts, the charge will just be 1% of the new funds added on £500,001 and above This payment can either be facilitated by the product provider when they receive your funds or paid directly by you. Where we receive such a payment payment, we will waive our ‘financial review and recommendation’ fee by the same amount. Example 1; if we arrange an investment on your behalf for £10,000 into a single ISA, 20,000 our Policy Arrangement & Implementation fee would be £400 (£300 plan charge + 1% 600. As this is less than the ‘financial review and recommendation’ fee of £10,000) 750 we would charge you an additional £150 as the balance. The total fee payable would be £750. Example 2; if we arrange investments on your behalf totalling £100,000 split between a personal pension and ISA, 150,000 our Policy Arrangement & Implementation fee would be £1,600 4,500. As this exceeds the ‘financial review and recommendation’ fee of £750 no other charges would be applied. The total fee payable would be £4,500. Example 3; if we arrange investments on your behalf totalling £300,000 our Policy Arrangement & Implementation fee would be £8,500 (2 x £300 policy implementation + 1.03% of the first £100,000250,000 (£7,500) In all cases, we reserve plus 2% of the right to next £50,000 (£1,000). As this exceeds the ‘financial review and recommendation’ fee no other charges would be applied. The total fee payable would be £8,500. Our charge additional fees where exceptional amounts for implementing a regular contribution savings or circumstances are involvedinvestment plan is 75% of the first year’s contributions. If this is the caseAgain, we will advise waive our ‘financial review and recommendation’ fee by the same amount. You can pay this under either of the two options listed below: • Option 1 You can pay this directly on commencement of the policy. Example 1; if your monthly contribution is £50 our Policy Arrangement & Implementation fee would be £450. As this less than the ‘financial review and recommendation’ fee of £750 we would charge you an additional £300 as the balance. The total fee payable would be £750. Example 2; if your monthly contribution is £150 our Policy Arrangement & Implementation fee would be £1,350. As this exceeds the ‘financial review and recommendation’ fee no other charges would be applied. The total fee payable would be • Option 2 You can facilitate the implementation fee through your policy. £750. Eleven payments of 75% of each monthly contribution will be deducted from month 2 to month 12, and the balance will be paid directly by you at the initial meeting stage start of your policy, to bring the total fee payable to £750 (please see example below). Example: if your monthly contribution is £50 our implementation fee would be £450 (£50 x 12 x 75%). This will be collected by deducting £37.50 (£50 x 75%) from each monthly contribution for months 2 to 12 (11 x £37.50 = £412.50). As this is less than the ‘financial review and recommendation’ fee of £750, we feel would charge you the balance of £337.50 by direct payment, at the start of your policy. The total fee payable would be £750. Example: if your monthly contribution is £150 our implementation fee would be £1350. This will be collected by deducting £112.50 from each monthly contribution for the first 12 months. As this may apply exceeds the ‘financial review and gain recommendation’ fee no other charges would be applied. The total fee payable would be £1,350. Should you decide to pay this charge through your agreement policy and payments to proceedthe policy subsequently cease, we will calculate the total payments received to date and charge you the balance against the implementation fee. For example, if you invest £100pm our total charge will be £600. We will deduct £75 from each monthly contribution until paid in full. Should payments cease after month 6 (and £450 has been collected) the difference will be charged to you i.e. £300.

Policy Arrangement & Implementation – Lump Sum Investments or Transfers. Should you instruct us to proceed with (any of) our recommendation(s) we will act for you in the following ways: •  Handle all fund and policy administration on your behalf; •  Provide regular updates to keep you informed of progress; •  Ensure all your documents are issued in line with your expectations; •  Provide confirmation of all actions taken on your behalf in writing. Our charge for this service is based on a fee for each contract being arranged plus a percentage of the amount you invest and/or transfer. Where multiple plans are arranged either individually or as part of a household, we will discuss and agree any reduction in the charges below where applicable. These charges are applied as follows: •  Personal Pension Plan for Accumulation Purposes £500 •  Self Invested Personal Pension Plan for more Complex Investments £750 •  Personal Pension Plan or SIPP for Flexi Access Drawdown £750 •  Analysis of existing personal pensions with a view to consolidation £250 per plan •  Arrangement of an Annuity or similar retirement product £500 •  Setting up a new ISA / General Investment £500 •  Review of existing ISA/GI plans £250 per plan •  Structured Deposits £500 •  Investments offering Business Relief £750 •  Investments written in trust £750 •  All other investments to be discussed and agreed at the time of initial meeting •  In addition there will be a charge of 1.0% of the lump sum being invested or transferred added to the charge •  For new funds being added to existing contracts, the charge will just be 1% of the new funds added This payment can either be facilitated by the product provider when they receive your funds or paid directly by you. Where we receive such a payment we will waive our ‘financial review and recommendation’ fee by the same amount. Example 1; if we arrange an investment on your behalf for £10,000 into a single ISA, our Policy Arrangement & Implementation fee would be £400 (£300 plan charge + 1% of £10,000) Example 2; if we arrange investments on your behalf totalling £100,000 split between a personal pension and ISA, our Policy Arrangement & Implementation fee would be £1,600 (2 x £300 policy implementation + 1.0% of £100,000) In all cases, we reserve the right to charge additional fees where exceptional amounts or circumstances are involved. If this is the case, we will advise you at the initial meeting stage if we feel this may apply and gain your agreement to proceed.

Policy Arrangement & Implementation – Lump Sum Investments or Transfers. Should you instruct us to proceed with (any of) our recommendation(s) we will act for you in the following ways: • Handle all fund and policy administration on your behalf; • Provide regular updates to keep you informed of progress; • Ensure all your documents are issued in line with your expectations; • Provide confirmation of all actions taken on your behalf in writing. Our charge for this service is based on a fee for each contract being arranged plus a percentage of the amount you invest and/or transfer. Where multiple plans are arranged either individually or as part of a household, we will discuss and agree any reduction in the charges below where applicable. These charges are applied as follows: • Personal Pension Plan for Accumulation Purposes 3.0% on the first £500 75,000, followed by • Self Invested Personal Pension Plan for more Complex Investments 2.0% between £750 75,001 to £150,000, followed by • Personal Pension Plan or SIPP for Flexi Access Drawdown £750 • Analysis of existing personal pensions with a view to consolidation £250 per plan • Arrangement of an Annuity or similar retirement product £500 • Setting up a new ISA / General Investment £500 • Review of existing ISA/GI plans £250 per plan • Structured Deposits £500 • Investments offering Business Relief £750 • Investments written in trust £750 • All other investments to be discussed and agreed at the time of initial meeting • In addition there will be a charge of 1.0% of the lump sum being invested or transferred added between £150,001 to the charge £500,000, followed by • For new funds being added to existing contracts, the charge will just be 10.5% of the new funds added on £500,001 and above This payment can either be facilitated by the product provider when they receive your funds or paid directly by you. Where we receive such a payment we will waive our ‘financial review and recommendation’ fee by the same amount. Example 1; if we arrange an investment on your behalf for £10,000 into a single ISA, our Policy Arrangement & Implementation fee would be £400 (£300 plan charge + 1% 300. As this is less than the ‘financial review and recommendation’ fee of £10,000) 500 we would charge you an additional £200 as the balance. The total fee payable would be £500 Example 2; if we arrange investments on your behalf totalling £100,000 split between a personal pension and ISA, our Policy Arrangement & Implementation fee would be £1,600 2,750 (2 x £300 policy implementation + 1.03% of the first £100,00075,000 (£2,250) In all cases, we reserve plus 2% of the right to charge additional fees where exceptional amounts or circumstances are involvednext £25,000 (£500) = £2,750). If As this is exceeds the case, we will advise you at the initial meeting stage ‘financial review and recommendation’ fee no other charges would be applied. The total fee payable would be £2,750 Example 3; if we feel arrange investments on your behalf totalling £300,000 our Policy Arrangement & Implementation fee would be £5,250 (3% of the first £75,000 (£2,250) plus 2% of the next £75,000 (£1,500) plus 1% of the next £150,000 (£1,500) = £5,250). As this may apply exceeds the ‘financial review and gain your agreement to proceed.recommendation’ fee no other charges would be applied. The total fee payable would be £5,250