Common use of Right to Cancel Clause in Contracts

Right to Cancel. Please contact us if you wish to cancel any policy that we have arranged for you. Customers acting outside their trade or profession (Consumers) will usually have a legal right to cancel policies for any reason within 14 days of receiving the full terms & conditions. A charge will apply for the period of cover provided and, in addition, an administration charge will apply as shown in the charges section. We are only able to cancel a policy from the date of receiving the request. We aim to process refunds promptly and as soon as practicable. You will not be entitled to a refund if you have made a claim (this will typically vary and is subject to your specific policy terms and conditions) If you are paying for your insurance using a finance agreement it is your responsibility to keep up with the agreed payments until the refund is received by the finance company and to settle any amount due after any refund has been forwarded. Policies such as legal expenses or breakdown assistance are not refundable, if you cancel this sort of arrangement you will not be entitled to any refund of the premium you paid. Our aim is always to provide all our customers with a first-class service; however, we are aware that, occasionally, it is possible that we may fail to meet your expectations. If for any reason we have not met your expectations, let us know as soon as possible, by calling our main office telephone 0000 000 0000,or write to The Complaints Manager, My Policy Limited, Prospect House, Prospect Road, Halesowen, West Midlands B62 8DU or go to xxx.xxxxxxxx.xx.xx/xxx-xx-xxxxx. If we are unable to resolve your concerns within 3 working days, we will continue to investigate the matter. We will formally acknowledge the complaint lodged with us, detailing our understanding of your concerns and send you a copy of our complaints process to help you understand the next steps in the complaints process as well as the right to refer such concerns to the Financial Ombudsman Service (FOS) for an independent assessment and opinion. Our aim is to act honestly, fairly and professionally and in the interests of customers at all times and keep any complainant (i.e. you or any other parties acting on your behalf) regularly informed about the investigation and give you a final response no later than 8 weeks. If you are not happy with our final response, or the position after a period of 8 weeks, we will tell you about your eligibility to refer the complaint to the Financial Ombudsman Service Even in circumstances where you are not eligible to refer such concerns to the FOS we will attempt to resolve a particular matter promptly through negotiation, if the matter cannot be resolved directly with us (usually with 6 months from the date of receipt of the concern) we will seek the assistance of an independent compliance firm or mediator as might be agreed between us and any complainant or as any parties may agree to try and resolve the matter. The FOS Consumer Helpline is on 0800 023 4567 (free for people phoning from a "fixed line" (for example, a landline at home) or 0000 000 0000 (free for mobile-phone users paying monthly charge for calls to No’s starting 01 or 02). Alternatively, you can contact them at Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London, E14 9SR. xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx

Right to Cancel. Please contact You may cancel this facility by giving us if written notice and meeting the other requirements below. You must give notice that you wish intend to cancel any policy this facility within the following time limits: • if these Details are given to you in person, within 5 working days after you receive them, • if these Details are sent to you by email or other electronic communication, within 7 working days after the electronic communication is sent, or • if these Details are sent to you by post, within 9 working days after they are posted. Saturdays, Sundays and national public holidays are not counted as working days. You must give us written notice that we have arranged for you. Customers acting outside their trade or profession (Consumers) will usually have a legal right you intend to cancel policies for any reason within 14 days by: • giving notice to us or our employee or agent, or • posting the notice to us or our agent, or • emailing the notice to our email address at the start of receiving the full terms & conditions. A charge will apply for the period of cover provided and, in addition, an administration charge will apply as shown in the charges section. We are only able to cancel a policy from the date of receiving the request. We aim to process refunds promptly and as soon as practicablethese Details. You will not be entitled must also return the Utilised Amount for this facility. In addition to a refund if you have made a claim (repaying the Utilised Amount for this will typically vary and is subject to your specific policy terms and conditions) If you are paying for your insurance using a finance agreement it is your responsibility to keep up with the agreed payments until the refund is received by the finance company and to settle any amount due after any refund has been forwarded. Policies such as legal expenses or breakdown assistance are not refundablefacility, if you cancel this sort of arrangement you will not be entitled to any refund of the premium you paid. Our aim is always to provide all our customers with a first-class service; howeverfacility, we are aware thatmay charge you the amount of any reasonable expenses we necessarily incur in connection with this facility and the cancellation, occasionally, and interest charges on any advance provided to you for the period until it is possible that we may fail to meet your expectations. If for any reason we have not met your expectations, let us know as soon as possible, by calling our main office telephone 0000 000 0000,or write to The Complaints Manager, My Policy Limited, Prospect House, Prospect Road, Halesowen, West Midlands B62 8DU or go to xxx.xxxxxxxx.xx.xx/xxx-xx-xxxxx. If we are unable to resolve your concerns within 3 working days, we will continue to investigate the matter. We will formally acknowledge the complaint lodged with us, detailing our understanding of your concerns and send you a copy of our complaints process to help you understand the next steps in the complaints process as well as the right to refer such concerns to the Financial Ombudsman Service (FOS) for an independent assessment and opinion. Our aim is to act honestly, fairly and professionally and in the interests of customers at all times and keep any complainant (i.e. you or any other parties acting on your behalf) regularly informed about the investigation and give you a final response no later than 8 weeksrepaid. If you are not happy with our final responseunable, because of illness, injury, loss of employment, the end of a relationship or the position after a period of 8 weeksother reasons, we will tell you about to meet your eligibility to refer the complaint to the Financial Ombudsman Service Even in circumstances where you are not eligible to refer such concerns to the FOS we will attempt to resolve a particular matter promptly through negotiation, if the matter cannot be resolved directly with us (usually with 6 months from the date of receipt of the concern) we will seek the assistance of an independent compliance firm or mediator as might be agreed between us and any complainant or as any parties may agree to try and resolve the matter. The FOS Consumer Helpline is on 0800 023 4567 (free for people phoning from a "fixed line" (for example, a landline at home) or 0000 000 0000 (free for mobile-phone users paying monthly charge for calls to No’s starting 01 or 02). Alternativelyobligations under this facility, you can contact them at Financial Ombudsman Serviceapply to make changes for this facility in writing to us specifying the reason for your inability to meet those obligations. Your written application must explain your reason(s) for a postponement of your payment date(s) for amount you are owing to under this facility (without changing the applicable Interest Rate). You should make this application as soon as possible after you become aware that you are unable to meet your payment obligations under this facility. If you leave it for too long, Exchange Towerinterest payment will keep accumulating for the amount you owe us and we may not have to consider your application. There may also be extra requirements you will need to meet if: • you have already missed a payment that we asked you to make; • we have already sent you a notice under the Property Law Act 2007 for payment; or • you have sent us a similar application in the recent past. We may only be able to make changes to this facility if we believe the requested changes are fair and reasonable given the hardship you are experiencing. This is secured credit. You acknowledge that the following security extends to and secures any money owing (now or in the future) under this facility. If you fail to pay us any amount under this facility when due or otherwise breach the terms of this facility, Harbour Exchange Squarewe may be entitled to repossess and sell the property referred to below. If we exercise our rights under the security and there is a shortfall, Londonyou will remain liable to pay us the amount of any shortfall. You may not give the same security (as that term is defined in the General Terms & Condition) unless we agree in writing. If we had not agreed and any security interest is given to someone else, E14 9SRwe can ask you to repay the amount you are owing to under this facility. xxx.xxxxxxxxx-xxxxxxxxx.xxx.xxIf the amount you are owing to under this facility is not repaid, we may be entitled to repossess and sell the property.

Right to Cancel. Please contact us if you wish to cancel any policy that we have arranged for you. Customers acting outside their trade or profession (Consumers) will usually have a legal right to cancel policies for any reason within 14 days of receiving the full terms & conditions. A charge will apply for the period of cover provided and, in addition, an administration charge will apply as shown in the charges section. We are only able to cancel a policy from the date of receiving the request. We aim to process refunds promptly and as soon as practicable. You will not be entitled to a refund if you have made a claim (this will typically vary and is subject to your specific policy terms and conditions) ). If you are paying for your insurance using a finance agreement it is your responsibility to keep up with the agreed payments until the refund is received by the finance company and to settle any amount due after any refund has been forwarded. Policies such as legal expenses or breakdown assistance are not refundable, if you cancel this sort of arrangement you will not be entitled to any refund of the premium you paid. Our aim is always to provide all our customers with a first-class service; , however, we are aware that, that occasionally, it is possible that we may fail to meet your expectations. If for any reason we have not met your expectations, let us know as soon as possible, by calling our main office telephone 0000 000 0000,or 0000, or write to The Complaints Manager, My Policy Limited, Prospect House, Prospect Road, Halesowen, West Midlands B62 8DU or go to xxx.xxxxxxxx.xx.xx/xxx-xx-xxxxx. If we are unable to resolve your concerns within 3 working days, we will continue to investigate the matter. We will formally acknowledge the complaint lodged with us, detailing our understanding of your concerns and send you a copy of our complaints process to help you understand the next steps in the complaints process as well as the right to refer such concerns to the Financial Ombudsman Service (FOS) for an independent assessment and opinion. Our aim is to act honestly, fairly and professionally and in the interests of customers at all times and keep any complainant (i.e. you or any other parties acting on your behalf) regularly informed about the investigation and give you a final response no later than 8 weeks. If you are not happy with our final response, or the position after a period of 8 weeks, we will tell you about your eligibility to refer the complaint to the Financial Ombudsman Service FOS. Even in circumstances where you are not eligible to refer such concerns to the FOS we will attempt to resolve a particular matter promptly through negotiation, if the matter cannot be resolved directly with us (usually with 6 months from the date of receipt of the concern) we will seek the assistance of an independent compliance firm or mediator as might be agreed between us and any complainant or as any parties may agree to try and resolve the matter. The FOS Consumer Helpline is on 0800 023 4567 (free for people phoning from a "fixed line" (for example, a landline at home) or 0000 000 0000 (free for mobile-phone users paying monthly charge for calls to No’s numbers starting 01 or 02). Alternatively, you can contact them at write to the Financial Ombudsman Service, Exchange TowerXxxxxxxx Xxxxx, Harbour Exchange SquareXxxxxxx Xxxxxxxx Xxxxxx, LondonXxxxxx, E14 9SRX00 0XX. xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx

Right to Cancel. Please contact us If the documents are mailed to you, you must give the notice within 7 working days after they were posted. Saturdays, Sundays, and national public holidays are not counted as working days. What you may have to pay if you wish cancel If you cancel the contract the Creditor can charge you: (a) the amount of any reasonable expenses the Creditor had to cancel any policy that we have arranged pay in connection with the contract and its cancellation (including legal fees and fees for you. Customers acting outside their trade or profession credit reports, etc); and (Consumersb) will usually have a legal right to cancel policies for any reason within 14 days of receiving the full terms & conditions. A charge will apply interest for the period from the day you received the property or services until the day you either pay the cash price for the property or services or return the property to the Creditor. This statement only contains a summary of cover provided andyour rights and obligations in connection with the right to cancel. If there is anything about your rights or obligations under the Credit Contracts and Consumer Finance Xxx 0000 that you do not understand, if there is a dispute about your rights, or if you think that the Creditor is being unreasonable in additionany way, an administration charge will you should seek legal advice immediately. Right to apply as shown for relief The Credit Contracts and Consumer Finance Xxx 0000 gives you a right to apply for a change to this Agreement in the charges sectioncertain circumstances. We These circumstances include if you are only reasonably unable to meet your obligations under this Agreement because you are ill, injured, have lost employment, ended a relationship, or any other reasonable cause and you reasonably expect to be able to cancel meet your obligations if the contract were changed in one of the following ways (without any change in annual interest rate): (a) the term of this Agreement was extended and the amount of each payment reduced accordingly; or (b) the dates on which payments are due are postponed for a policy from specified period; or (c) the date term of receiving this Agreement was extended and the requestdates on which payments are due are postponed for a specified period. We aim The Creditor will then consider your application and may agree to process refunds promptly your proposed change. Any change that you apply for must not be more extensive than is necessary to enable you to reasonably expect to be able to meet your obligations. The change must also be fair and as soon as practicablereasonable to both you and the Creditor. You will cannot make an application for a change where: (a) you are in default and you: (i) have been in default for 2 weeks or more after receiving a repossession warning notice under the CCCFA or a notice under section 119 of the Property Law Xxx 0000; or (ii) have failed to make 4 or more consecutive periodic payments by or on the due dates; or (iii) have been in default for 2 months or more, unless you have remedied the default; or (b) it was reasonably foreseeable to you, at the time this Agreement was made, that you would be entitled unlikely to a refund if be able to meet your obligations under the Agreement because of the illness, the injury, the loss of employment, the end of the relationship, or the other reasonable cause; or (c) you have made a claim previous application less than 4 months ago unless the reasons for the new application are materially different from the reasons for the previous application or the Creditor agrees to consider the application. How to apply for relief An application for a change must: (this will typically vary and is subject to your specific policy terms and conditionsa) If you are paying for your insurance using a finance agreement it is your responsibility to keep up with the agreed payments until the refund is received by the finance company and to settle any amount due after any refund has been forwarded. Policies such as legal expenses or breakdown assistance are not refundable, if you cancel this sort of arrangement you will not be entitled to any refund of the premium you paid. Our aim is always to provide all our customers with a first-class servicein writing; however, we are aware that, occasionally, it is possible that we may fail to meet your expectations. If for any reason we have not met your expectations, let us know as soon as possible, by calling our main office telephone 0000 000 0000,or write to The Complaints Manager, My Policy Limited, Prospect House, Prospect Road, Halesowen, West Midlands B62 8DU or go to xxx.xxxxxxxx.xx.xx/xxx-xx-xxxxx. If we are unable to resolve your concerns within 3 working days, we will continue to investigate the matter. We will formally acknowledge the complaint lodged with us, detailing our understanding of your concerns and send you a copy of our complaints process to help you understand the next steps in the complaints process as well as the right to refer such concerns (b) be given to the Financial Ombudsman Service Creditor; and (FOSc) for an independent assessment and opinion. Our aim is to act honestly, fairly and professionally and in specify the interests of customers at all times and keep any complainant (i.e. you or any other parties acting on your behalf) regularly informed about the investigation and give you a final response no later than 8 weeks. If you are not happy with our final response, or the position after a period of 8 weeks, we will tell you about your eligibility to refer the complaint to the Financial Ombudsman Service Even in circumstances where you are not eligible to refer such concerns to the FOS we will attempt to resolve a particular matter promptly through negotiation, if the matter cannot be resolved directly with us (usually with 6 months from the date of receipt of the concern) we will seek the assistance of an independent compliance firm or mediator as might be agreed between us and any complainant or as any parties may agree to try and resolve the matter. The FOS Consumer Helpline is on 0800 023 4567 (free for people phoning from a "fixed line" reasonable cause (for example, illness, injury, loss of employment, or the end of a landline at homerelationship) for your inability to meet your obligations under this Agreement. Registration under Financial Service Providers (Registration and Dispute Resolution) Xxx 0000 Pursuant to regulation 10 of the Financial Service Providers (Exemptions) Regulations 2010, [Dealer Name] trading as [Dealer Trading Name] is not required to be registered under the Financial Service Providers (Registration and Dispute Resolution) Xxx 0000. Accordingly, [Dealer Name] trading as [Dealer Trading Name] does not have a registration number under the register of financial service providers or a name under which it is registered. UDC’s registration number under the register of financial providers is FSP27147 and it is registered under the name “UDC Finance Limited”. Dispute Resolution Pursuant to regulation 10 of the Financial Service Providers (Exemptions) Regulations 2010, [Dealer Name] trading as [Dealer Trading Name] is not required to be a member of a dispute resolution scheme. Accordingly, [Dealer Name] trading as [Dealer Trading Name] is not a member of such a dispute resolution scheme. UDC is a member of Financial Services Complaints Limited’s dispute resolution scheme. Its contact details are as follows: Financial Services Complaints Limited Xxxxx 0, Xxxxxx Xxxxx, 000 Xxxxxxx Xxxx, Xxxxxxxxxx 0000 000 0000 (free for mobile-phone users paying monthly charge for calls to No’s starting 01 or 02). Alternatively, you can contact them at Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London, E14 9SR. xxx.xxxxxxxxx-xxxxxxxxx.xxx.xxxxxx://xxx.xxxx.xxx.xx

Right to Cancel. Please contact us You are entitled to cancel the consumer credit contract by giving notice to the lender. Time limits for cancellation *You must give notice that you intend to cancel a contract within 5 working days of the statement date on the front of this document. Saturdays, Sundays, and national public holidays are not counted as working days. How to cancel To cancel you must give the lender written notice that you intend to cancel a contract by – * giving notice to the lender or an employee or agent of the lender; or * posting the notice to the lender or an agent of the lender; or * emailing the notice to the lender’s email address (if specified on the front of this disclosure statement); or * sending the notice to the lender’s fax number (if specified on the front of this disclosure statement). You must also return to the lender any advance and any other property received by you under the contract. What you may have to pay if you wish cancel If you cancel the contract the lender can charge you a. The amount of any reasonable expenses the lender had to cancel any policy that we have arranged pay in connection with the contract and its cancellation (including legal fees and fees for you. Customers acting outside their trade or profession (Consumerscredit reports, etc) will usually have a legal right to cancel policies for any reason within 14 days of receiving the full terms & conditions. A charge will apply and b. Interest for the period of cover provided and, in addition, an administration charge will apply as shown in the charges section. We are only able to cancel a policy from the date of receiving day you received the requestadvance until the day you repay the advance. We aim to process refunds promptly and as soon as practicable. You will not be entitled to a refund if you have made a claim (this will typically vary and is subject to your specific policy terms and conditions) If you are paying for your insurance using a finance agreement it is your responsibility unable reasonably to keep up with your payments or other obligations because of illness, injury, loss of employment, or the agreed payments until end of a relationship or other reasonable cause you may be able to apply to the refund is received by creditor for a hardship variation. To apply for a hardship variation, you need to: a. make an application in writing; and b. explain your reasons(s) for the finance company application; and to settle any amount due after any refund has been forwarded. Policies such as legal expenses or breakdown assistance are not refundable, if you cancel this sort of arrangement you will not be entitled to any refund c. request one of the premium following: • an extension of the term of the contract (which will reduce the amount of each payment due under the contract); or • postponement of the dates on which payments are due under the contract (specify the period for which you paidwant this to apply; or • both of the above; and d. give the application to the lender. Our aim is always to provide all our customers with a first-class service; however, we are aware that, occasionally, it is possible that we may fail to meet your expectations. If for any reason we have not met your expectations, let us know Do this as soon as possible, by calling our main office telephone 0000 000 0000,or write to The Complaints Manager, My Policy Limited, Prospect House, Prospect Road, Halesowen, West Midlands B62 8DU or go to xxx.xxxxxxxx.xx.xx/xxx-xx-xxxxx. If we are unable to resolve your concerns within 3 working days, we will continue to investigate the matter. We will formally acknowledge the complaint lodged with us, detailing our understanding of your concerns and send you a copy of our complaints process to help you understand the next steps in the complaints process as well as the right to refer such concerns to the Financial Ombudsman Service (FOS) for an independent assessment and opinion. Our aim is to act honestly, fairly and professionally and in the interests of customers at all times and keep any complainant (i.e. you or any other parties acting on your behalf) regularly informed about the investigation and give you a final response no later than 8 weeks. If you are leave it too long, the lender may not happy with our final responsehave to consider your application. Please note also that you may not make an application if, when you entered the consumer credit contract, the illness, injury, loss of employment, end of relationship or the position after other reasonable cause was reasonably foreseeable to you. Name of dispute resolution scheme: Financial Services Complaints Ltd It is free to make a period of 8 weeks, we will tell you about your eligibility to refer the complaint to the Financial Ombudsman Service Even in circumstances where this independent dispute resolution scheme. The scheme can help you are not eligible to refer such concerns to the FOS we will attempt to resolve a particular matter promptly through negotiation, if any disagreements that you have with the matter cannot be resolved directly with us (usually with 6 months from the date of receipt of the concern) we will seek the assistance of an independent compliance firm or mediator as might be agreed between us and any complainant or as any parties may agree to try and resolve the matter. The FOS Consumer Helpline is on 0800 023 4567 (free for people phoning from a "fixed line" (for example, a landline at home) or 0000 000 0000 (free for mobile-phone users paying monthly charge for calls to No’s starting 01 or 02). Alternatively, you can contact them at Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London, E14 9SR. xxx.xxxxxxxxx-xxxxxxxxx.xxx.xxlender.

Right to Cancel. Please contact The Credit Contracts and Consumer Finance Act 2003 gives you a right for a short time after the terms of this Agreement have been disclosed to you to cancel the Agreement. How to cancel If you want to cancel this Agreement you must give written notice to us that you intend to cancel this Agreement by:  giving notice to us or one of our employees or agents; or  posting the notice to us or one of our agents; or  emailing the notice to our email address; or  sending the notice to our fax number. You must also return to us any advance and any other property received by you under the Agreement. Time limits for cancellation If the disclosure documents are handed to you directly you must give notice that you intend to cancel within 5 working days after you receive the documents. If the disclosure documents are sent to you by electronic means (for example, email) you must give notice that you intend to cancel within 7 working days after the electronic communication is sent. If the documents are mailed to you, you must give the notice within 9 working days after they were posted. Saturdays, Sundays and national public holidays are not counted as working days. What you may have to pay if you wish cancel If you cancel the Agreement we can charge you: (a) The amount of any reasonable expenses we had to cancel any policy that we have arranged pay in connection with the Agreement and its cancellation (including legal fees and fees for you. Customers acting outside their trade or profession credit reports, etc); and (Consumersb) will usually have a legal right to cancel policies for any reason within 14 days of receiving the full terms & conditions. A charge will apply Interest for the period of cover provided and, in addition, an administration charge will apply as shown in the charges section. We are only able to cancel a policy from the date day you received the Loan until the day you repay the Loan. This statement only contains a summary of receiving your rights and obligations in connection with the requestright to cancel. We aim to process refunds promptly If there is anything about your rights or obligations under the Credit Contracts and as soon as practicable. You will Consumer Finance Act 2003 that you do not be entitled to understand, if there is a refund dispute about your rights, or if you have made a claim (this will typically vary and is subject to your specific policy terms and conditions) think that we are being unreasonable in any way, you should seek legal advice immediately. If you are paying for your insurance using a finance agreement it is your responsibility unable reasonably to keep up with your payments or other obligations because of illness, injury, loss of employment, the agreed payments until end of a relationship, or other reasonable cause, you may be able to apply to us for a hardship variation. To apply for a hardship variation, you need to: (a) make an application in writing; and (b) explain your reason(s) for the refund is received by the finance company application; and to settle any amount due after any refund has been forwarded. Policies such as legal expenses or breakdown assistance are not refundable, if you cancel this sort of arrangement you will not be entitled to any refund (c) request one of the premium following:  an extension to the term of the Agreement (which will reduce the amount of each payment due under the Agreement); or  a postponement of the dates on which payments are due under the Agreement (specify the period for which you paidwant this to apply); or  both of the above; and (d) give the application to us. Our aim is always to provide all our customers with a first-class service; however, we are aware that, occasionally, it is possible that we may fail to meet your expectations. If for any reason we have not met your expectations, let us know Do this as soon as possible. If you leave it for too long, by calling our main office telephone 0000 000 0000,or write we may not have to consider your application. We may be required to provide you with regular disclosure statements. The Complaints Manager, My Policy Limited, Prospect House, Prospect Road, Halesowen, West Midlands B62 8DU or go to xxx.xxxxxxxx.xx.xx/xxx-xx-xxxxxstatements will give you information about your account. If we are unable required to provide you with regular statements, those statements will be provided at least every six months, or at least every 45 working days if your Loan is a Revolving Credit Loan (or at such other times required under the Credit Contracts and Consumer Finance Act 2003). As an alternative, you agree that we may satisfy our obligation to provide regular statements by making the required information available on our website. We are a member of the following dispute resolution scheme: It is free to make a complaint to this independent dispute resolution scheme. This scheme can help you to resolve your concerns within 3 working days, we will continue to investigate the matter. We will formally acknowledge the complaint lodged any disagreements you have with us, detailing our understanding . Contact details of your concerns and send you a copy of our complaints process to help you understand the next steps in the complaints process dispute resolution scheme are as well as the right to refer such concerns to the Financial Ombudsman Service (FOS) for an independent assessment and opinion. Our aim is to act honestly, fairly and professionally and in the interests of customers at all times and keep any complainant (i.e. you or any other parties acting on your behalf) regularly informed about the investigation and give you a final response no later than 8 weeks. If you are not happy with our final response, or the position after a period of 8 weeks, we will tell you about your eligibility to refer the complaint to the Financial Ombudsman Service Even in circumstances where you are not eligible to refer such concerns to the FOS we will attempt to resolve a particular matter promptly through negotiation, if the matter cannot be resolved directly with us (usually with 6 months from the date of receipt of the concern) we will seek the assistance of an independent compliance firm or mediator as might be agreed between us and any complainant or as any parties may agree to try and resolve the matter. The FOS Consumer Helpline is on 0800 023 4567 (free for people phoning from a "fixed line" (for example, a landline at home) or 0000 000 0000 (free for mobile-phone users paying monthly charge for calls to No’s starting 01 or 02). Alternatively, you can contact them at Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London, E14 9SR. xxx.xxxxxxxxx-xxxxxxxxx.xxx.xxfollows: Phone: Website: Business address:

Right to Cancel. Please contact You may cancel this loan by giving us if written notice and meeting the other requirements below. You must give notice that you wish intend to cancel any policy this loan within the following time limits: • if these Details are given to you in person, within 5 working days after you receive them • if these Details are sent to you by email or other electronic communication, within 7 working days after the electronic communication is sent, or • if these Details are sent to you by post, within 9 working days after they are posted. Saturdays, Sundays and national public holidays are not counted as working days. You must give us written notice that we have arranged for you. Customers acting outside their trade or profession (Consumers) will usually have a legal right you intend to cancel policies for any reason within 14 days by: • giving notice to us or our employee or agent, or • posting the notice to us or our agent, or • emailing the notice to our email address at the start of receiving the full terms & conditions. A charge will apply for the period of cover provided and, in addition, an administration charge will apply as shown in the charges section. We are only able to cancel a policy from the date of receiving the request. We aim to process refunds promptly and as soon as practicablethese Details. You will not be entitled to a refund if you have made a claim (this will typically vary and is subject to your specific policy terms and conditions) If you are paying for your insurance using a finance agreement it is your responsibility to keep up with must also return any advance of the agreed payments until the refund is Loan Amount received by you under this loan. In addition to repaying the finance company and to settle any amount due after any refund has been forwarded. Policies such as legal expenses or breakdown assistance are not refundableLoan Amount, if you cancel this sort loan we may charge you the amount of arrangement any reasonable expenses we necessarily incur in connection with this loan and the cancellation, and interest charges on any advance provided to you will not be entitled to any refund of for the premium you paid. Our aim is always to provide all our customers with a first-class service; however, we are aware that, occasionally, period until it is possible that we may fail to meet your expectations. If for any reason we have not met your expectations, let us know as soon as possible, by calling our main office telephone 0000 000 0000,or write to The Complaints Manager, My Policy Limited, Prospect House, Prospect Road, Halesowen, West Midlands B62 8DU or go to xxx.xxxxxxxx.xx.xx/xxx-xx-xxxxx. If we are unable to resolve your concerns within 3 working days, we will continue to investigate the matter. We will formally acknowledge the complaint lodged with us, detailing our understanding of your concerns and send you a copy of our complaints process to help you understand the next steps in the complaints process as well as the right to refer such concerns to the Financial Ombudsman Service (FOS) for an independent assessment and opinion. Our aim is to act honestly, fairly and professionally and in the interests of customers at all times and keep any complainant (i.e. you or any other parties acting on your behalf) regularly informed about the investigation and give you a final response no later than 8 weeksrepaid. If you are not happy with our final responseunable, because of illness, injury, loss of employment, the end of a relationship or the position after a period of 8 weeksother reasons, we will tell you about to meet your eligibility to refer the complaint to the Financial Ombudsman Service Even in circumstances where you are not eligible to refer such concerns to the FOS we will attempt to resolve a particular matter promptly through negotiation, if the matter cannot be resolved directly with us (usually with 6 months from the date of receipt of the concern) we will seek the assistance of an independent compliance firm or mediator as might be agreed between us and any complainant or as any parties may agree to try and resolve the matter. The FOS Consumer Helpline is on 0800 023 4567 (free for people phoning from a "fixed line" (for example, a landline at home) or 0000 000 0000 (free for mobile-phone users paying monthly charge for calls to No’s starting 01 or 02). Alternativelyobligations under this loan, you can contact them at Financial Ombudsman Serviceapply to change your loan by writing to us specifying the reason for your inability to meet those obligations. Your written application must specify one of the following requested variations, Exchange Towerand explain your reason(s) for the application: • An extension to the term of this loan, Harbour Exchange Squareand a corresponding change to the amount of each payment due (without changing the Annual Interest Rate that applies). • A postponement of your payment dates for a specified period (without changing the Annual Interest Rate that applies). • Both of the above – that is, Londonan extension of the term of this loan and a postponement of your payment dates for a specified period (without changing the Annual Interest Rate that applies). You should make this application as soon as possible after you become aware that you are unable to make your scheduled payments under this loan. If you leave it for too long, E14 9SRwe may not have to consider your application. xxx.xxxxxxxxx-xxxxxxxxx.xxx.xxThere may also be extra requirements you will need to meet if: • you have already missed some of the loan repayments; • we have already sent you a notice under the Property Law Act 2007 for payment; or • you have sent us a similar application in the recent past. We may only be able to change this loan if we believe the requested changes are fair and reasonable given the hardship you are experiencing. This is secured credit. You acknowledge that the following security extends to and secures any money owing (now or in the future) under this loan. If you fail to pay us any amount under this loan when due or otherwise breach the terms of this loan, we may be entitled to repossess and sell the property referred to below. If we exercise our rights under the security and there is a shortfall, you will remain liable to pay us the amount of any shortfall. You may not give the same security (as that term is defined in the General Terms & Condition) unless we agree in writing. If we had not agreed and any security interest is given to someone else, we can ask you to repay this loan. If this loan is not repaid, we may be entitled to repossess and sell the property.

Right to Cancel. Please contact To cancel this Agreement you must notify us if in writing within 30 days of signing. Any deposits will not be returned but may be applied to future orders (net of any actual costs related to the cancellation) at Pigeon and Poodle’s sole discretion. For orders canceled after 30 days, no credit will be given. Cancelled orders that have already been packed are subject to a 25% restocking fee. Custom orders cannot be canceled. We reserve the right to cancel orders or terminate relationships at our sole discretion, at which point your deposit will be returned within thirty (30) days. SHIPPING: When your order is nearing completion, we will notify you wish prior to shipment. All shipping charges are F.O.B. (Free on Board) Los Angeles County, California. Shipping charges will be added to your invoice prior to shipping. You should inspect all items for damage prior to signing. Signature of receipt by your agent or employee constitutes full acceptance of all packages stated on the xxxx of lading or electronic clipboard in undamaged condition. You are responsible for all shipping and return charges for any shipment that is refused as well as forfeiture of your deposit. We shall not be liable for delay in shipment for any cause, nor shall any delay entitle you to cancel any policy order after it has shipped or refuse delivery. You agree that the shipping address on the reverse side or otherwise provided to Pigeon and Poodle in writing is the valid shipping address. For Designers, we have arranged for can direct ship to your customers, in which case acceptance of packages by your customer will be considered acceptance by you. Customers acting outside their Delivery may occur in multiple lots depending upon availability of the products constituting an order. Our standard shipping rate will be the same regardless of multiple shipments. LIMITED WARRANTY: We ship items that conform to the samples we display at wholesale trade shows and on our website; however, variations are a normal part of the production process. Our products will be free from defects in material and workmanship that materially impair the use of the product. You agree (a) to fully examine goods upon delivery, (b) to save all packaging materials with respect to damaged or profession defective goods, and (Consumersc) to contact us and (d) to provide a photograph showing the damage or defect within five (5) business days of delivery. We will, at our option, repair or replace the item. If damaged item(s) are to be replaced the items must be returned prior to shipment of a replacement. For all returned products, use only the shipping documents provided by Pigeon and Poodle. Shipping reimbursement will usually not be made for use of non-authorized shipments. All returns must be properly packaged with original packaging (unless otherwise instructed), clearly labeled with correct RA# and scheduled for pickup within five (5) business days of receipt of shipping documents. This is our only limited warranty or liability. Our limited warranty does not cover: (a) normal wear and tear, (b) product variations, (c) defects or damage occurring due to, or following, product modification, or (d) damage caused by misuse, abuse, or negligent treatment of merchandise. Our limited warranty is void if repairs or modifications have a legal right been attempted by any person without our consent. Our limited warranty is limited to cancel policies the original wholesale purchaser. In no event shall we be liable for incidental or consequential damages in connection with the purchase or use of any merchandise. This limited warranty provides your exclusive remedy for any reason within 14 defective product. THE FOREGOING LIMITED WARRANTY IS MADE EXPRESSLY IN LIEU OF ALL OTHER WARRANTIES, EXPRESSED, IMPLIED OR OTHERWISE, INCLUDING WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR ANY AFFIRMATION OF ANY FACT OR REPRESENTATION WHICH EX- TENDS BEYOND THE LIMITED WARRANTY SET FORTH ABOVE AND ANY SUCH WARRANTIES ARE HEREBY EXPRESSLY DISCLAIMED. CARRIER DAMAGES: Claims for damage to products that do not arise from defects in material or workmanship are the responsibility of the carrier. If the shipment arrives with visible exterior damage (crushed box, broken crate, moisture, etc.) note the damage in writing on the carrier’s delivery receipt before you sign for the shipment and release the delivery driver. A claim for shipping damages will not be accepted by Pigeon and Poodle unless the damages are noted on the carrier’s delivery receipt. Within five (5) business days of receiving the full terms & conditionsreceipt, you must (a) SAVE ALL PACKAGING UNTIL CLAIM IS RESOLVED and (b) email helpme@pigeonandpoodle. A charge will apply for the period of cover provided and, in addition, an administration charge will apply as shown in the charges sectioncom or call 000-000-0000 to report damaged items and to receive a return authorization number (RA#). We will, at our option, repair or replace the item. If damaged item(s) are to be replaced, the items must be returned prior to shipment of a replacement or authorization of credit. For all returned products, use only able the shipping documents provided by Pigeon and Poodle. Shipping reimbursement will not be made for use of non-authorized shipments. All returns must be properly packaged with original packaging (unless otherwise instructed), clearly labeled with correct RA# and scheduled for pickup within five (5) business days of receipt of shipping documents. RETURNS: It is within our sole discretion as to cancel a policy from the date whether to accept returns of receiving the request. We aim to process refunds promptly and as soon as practicablemerchandise. You will not receive any reimbursement for items returned without our prior authorization. Returned items must be entitled to a refund if in their original condition and packaging, and you have made a claim (this will typically vary shall prepay and is subject to your specific policy terms and conditions) If you are paying be liable for your insurance using a finance agreement it is your responsibility to keep up all charges in connection with the agreed payments until the refund is received by the finance company and shipping of returned goods, including insurance. A 25% restocking fee will be applied to settle any amount due after any refund has been forwarded. Policies such as legal expenses or breakdown assistance all approved returns that are not refundable, if you cancel this sort of arrangement you will not be entitled to any refund of the premium you paid. Our aim is always to provide all our customers with a first-class service; however, we are aware that, occasionally, it is possible that we may fail to meet your expectations. If for any reason we have not met your expectations, let us know as soon as possible, by calling our main office telephone 0000 000 0000,or write to The Complaints Manager, My Policy Limited, Prospect House, Prospect Road, Halesowen, West Midlands B62 8DU or go to xxx.xxxxxxxx.xx.xx/xxx-xx-xxxxx. If we are unable to resolve your concerns within 3 working days, we will continue to investigate the matter. We will formally acknowledge the complaint lodged with us, detailing our understanding of your concerns and send you a copy of our complaints process to help you understand the next steps in the complaints process as well as the right to refer such concerns to the Financial Ombudsman Service (FOS) for an independent assessment and opinion. Our aim is to act honestly, fairly and professionally and in the interests of customers at all times and keep any complainant (i.e. you or any other parties acting on your behalf) regularly informed about the investigation and give you a final response no later than 8 weeks. If you are not happy with our final response, or the position after a period of 8 weeks, we will tell you about your eligibility to refer the complaint to the Financial Ombudsman Service Even in circumstances where you are not eligible to refer such concerns to the FOS we will attempt to resolve a particular matter promptly through negotiation, if the matter cannot be resolved directly with us (usually with 6 months from the date of receipt of the concern) we will seek the assistance of an independent compliance firm or mediator as might be agreed between us and any complainant or as any parties may agree to try and resolve the matter. The FOS Consumer Helpline is on 0800 023 4567 (free for people phoning from a "fixed line" (for example, a landline at home) or 0000 000 0000 (free for mobile-phone users paying monthly charge for calls to No’s starting 01 or 02). Alternatively, you can contact them at Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London, E14 9SR. xxx.xxxxxxxxx-xxxxxxxxx.xxx.xxdefective.

Right to Cancel. Please contact us if you wish to cancel any policy that we have arranged for you. Customers acting outside their trade or profession (Consumers) will usually have a legal right to cancel policies for any reason within 14 days of receiving the full terms & conditions. A charge will apply for the period of cover provided and, in addition, an administration charge will apply as shown in the charges section. We are only able to cancel a policy from the date of receiving the request. We aim to process refunds promptly and as soon as practicable. You will not be entitled to a refund if you have made a claim (this will typically vary and is subject to your specific policy terms and conditions) ). If you are paying for your insurance using a finance agreement it is your responsibility to keep up with the agreed payments until the refund is received by the finance company and to settle any amount due after any refund has been forwarded. Policies such as During the 14-day cooling off period, any additional covers you have purchased will be refunded. Outside of 14 days, legal expenses or breakdown assistance are cover is not refundable, if you cancel this sort of arrangement you will not ; breakdown cover may be entitled partially refunded subject to any refund of the premium you paidno claims being made. Our aim is always to provide all our customers with a first-class service; , however, we are aware that, that occasionally, it is possible that we may fail to meet your expectations. If for any reason we have not met your expectations, let us know as soon as possible, by calling our main office telephone 0000 000 0000,or 0000, or write to The Complaints Manager, My Policy Limited, Prospect HouseXxxxxxxx Xxxxx, Prospect RoadXxxxxxxx Xxxx, HalesowenXxxxxxxxx, West Midlands B62 8DU Xxxx Xxxxxxxx X00 0XX or go to xxx.xxxxxxxx.xx.xx/xxx-xx-xxxxx. If we are unable to resolve your concerns within 3 working days, we will continue to investigate the matter. We will formally acknowledge the complaint lodged with us, detailing our understanding of your concerns and send you a copy of our complaints process to help you understand the next steps in the complaints process as well as the right to refer such concerns to the Financial Ombudsman Service (FOS) for an independent assessment and opinion. Our aim is to act honestly, fairly and professionally and in the interests of customers at all times and keep any complainant (i.e. you or any other parties acting on your behalf) regularly informed about the investigation and give you a final response no later than 8 weeks. If you are not happy with our final response, or the position after a period of 8 weeks, we will tell you about your eligibility to refer the complaint to the Financial Ombudsman Service Service. Even in circumstances where you are not eligible to refer such concerns to the FOS we will attempt to resolve a particular matter promptly through negotiation, if the matter cannot be resolved directly with us (usually with 6 months from the date of receipt of the concern) we will seek the assistance of an independent compliance firm or mediator as might be agreed between us and any complainant or as any parties may agree to try and resolve the matter. The FOS Consumer Helpline is on 0800 023 4567 (free for people phoning from a "fixed line" (for example, a landline at home) or 0000 000 0000 (free for mobile-phone users paying monthly charge for calls to No’s numbers starting 01 or 02). Alternatively, you can contact them at Financial Ombudsman Service, Exchange TowerXxxxxxxx Xxxxx, Harbour Exchange SquareXxxxxxx Xxxxxxxx Xxxxxx, LondonXxxxxx, E14 9SRX00 0XX. xxx.xxxxxxxxx-xxxxxxxxx.xxx.xxxxx.xxxxxxxxx-xxxxxxxxx.xxx.xx If we are unable to meet our obligations, you may be entitled to compensation from the FSCS. If we have advised

Right to Cancel. Please contact To cancel this Agreement you must notify us if in writing within 30 days of signing. Any deposits will not be returned but may be applied to future orders (net of any actual costs related to the cancellation) at Blue Pheasant’s sole discretion. For orders canceled after 30 days, no credit will be given. Cancelled orders that have already been packed are subject to a 25% restocking fee. Custom orders cannot be canceled. We reserve the right to cancel orders or terminate relationships at our sole discretion, at which point your deposit will be returned within thirty (30) days. SHIPPING: When your order is nearing completion, we will notify you wish prior to shipment. All shipping charges are F.O.B. (Free on Board) Los Angeles County, California. Shipping charges will be added to your invoice prior to shipping. You should inspect all items for damage prior to signing. Signature of receipt by your agent or employee constitutes full acceptance of all packages stated on the xxxx of lading or electronic clipboard in undamaged condition. You are responsible for all shipping and return charges for any shipment that is refused as well as forfeiture of your deposit. We shall not be liable for delay in shipment for any cause, nor shall any delay entitle you to cancel any policy order after it has shipped or refuse delivery. You agree that the shipping address on the reverse side or otherwise provided to Blue Pheasant in writing is the valid shipping address. For Designers, we have arranged for can direct ship to your customers, in which case acceptance of packages by your customer will be considered acceptance by you. Customers acting outside their Delivery may occur in multiple lots depending upon availability of the products constituting an order. Our standard shipping rate will be the same regardless of multiple shipments. LIMITED WARRANTY: We ship items that conform to the samples we display at wholesale trade shows and on our website; however, variations are a normal part of the production process. Our products will be free from defects in material and workmanship that materially impair the use of the product. You agree (a) to fully examine goods upon delivery, (b) to save all packaging materials with respect to damaged or profession defective goods, and (Consumersc) to contact us and (d) to provide a photograph showing the damage or defect within five (5) business days of delivery. We will, at our option, repair or replace the item, or provide you a credit. If damaged item(s) are to be replaced or credited, the items must be returned prior to shipment of a replacement or authorization of credit. For all returned products, use only the shipping documents provided by Blue Pheasant. Shipping reimbursement will usually not be made for use of non-authorized shipments. All returns must be properly packaged with original packaging (unless otherwise instructed), clearly labeled with correct RA# and scheduled for pickup within five (5) business days of receipt of shipping documents. This is our only limited warranty or liability. Our limited warranty does not cover: (a) normal wear and tear, (b) product variations, (c) defects or damage occurring due to, or following, product modification, or (d) damage caused by misuse, abuse, or negligent treatment of merchandise. Our limited warranty is void if repairs or modifications have a legal right been attempted by any person without our consent. Our limited warranty is limited to cancel policies the original wholesale purchaser. In no event shall we be liable for incidental or consequential damages in connection with the purchase or use of any merchandise. This limited warranty provides your exclusive remedy for any reason within 14 defective product. THE FOREGOING LIMITED WARRANTY IS MADE EXPRESSLY IN LIEU OF ALL OTHER WARRANTIES, EXPRESSED, IMPLIED OR OTHERWISE, INCLUDING WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR ANY AFFIRMATION OF ANY FACT OR REPRESENTATION WHICH EXTENDS BEYOND THE LIMITED WARRANTY SET FORTH ABOVE AND ANY SUCH WARRANTIES ARE HEREBY EXPRESSLY DISCLAIMED. CARRIER DAMAGES: Claims for damage to products that do not arise from defects in material or workmanship are the responsibility of the carrier. If the shipment arrives with visible exterior damage (crushed box, broken crate, moisture, etc.) note the damage in writing on the carrier’s delivery receipt before you sign for the shipment and release the delivery driver. A claim for shipping damages will not be accepted by Blue Pheasant unless the damages are noted on the carrier’s delivery receipt. Within five (5) business days of receiving the full terms & conditions. A charge will apply for the period of cover provided andreceipt, in addition, an administration charge will apply as shown in the charges sectionyou must (a) SAVE ALL PACKAGING UNTIL CLAIM IS RESOLVED and (b) email xxxx@xxxxxxxxxxxx.xxx or call 000-000-0000 to report damaged items and to receive a return authorization number (RA#). We will, at our option, repair or replace the item, or provide you a credit. If damaged item(s) are to be replaced or credited, the items must be returned prior to shipment of a replacement or authorization of credit. For all returned products, use only able the shipping documents provided by Blue Pheasant. Shipping reimbursement will not be made for use of non-authorized shipments. All returns must be properly packaged with original packaging (unless otherwise instructed), clearly labeled with correct RA# and scheduled for pickup within five (5) business days of receipt of shipping documents. RETURNS: It is within our sole discretion as to cancel a policy from the date whether to accept returns of receiving the request. We aim to process refunds promptly and as soon as practicablemerchandise. You will not receive any reimbursement for items returned without our prior authorization. Returned items must be entitled to a refund if in their original condition and packaging, and you have made a claim (this will typically vary shall prepay and is subject to your specific policy terms and conditions) If you are paying be liable for your insurance using a finance agreement it is your responsibility to keep up all charges in connection with the agreed payments until the refund is received by the finance company and shipping of returned goods, including insurance. A 25% restocking fee will be applied to settle any amount due after any refund has been forwarded. Policies such as legal expenses or breakdown assistance all approved returns that are not refundable, if you cancel this sort of arrangement you will not be entitled to any refund of the premium you paid. Our aim is always to provide all our customers with a first-class service; however, we are aware that, occasionally, it is possible that we may fail to meet your expectations. If for any reason we have not met your expectations, let us know as soon as possible, by calling our main office telephone 0000 000 0000,or write to The Complaints Manager, My Policy Limited, Prospect House, Prospect Road, Halesowen, West Midlands B62 8DU or go to xxx.xxxxxxxx.xx.xx/xxx-xx-xxxxx. If we are unable to resolve your concerns within 3 working days, we will continue to investigate the matter. We will formally acknowledge the complaint lodged with us, detailing our understanding of your concerns and send you a copy of our complaints process to help you understand the next steps in the complaints process as well as the right to refer such concerns to the Financial Ombudsman Service (FOS) for an independent assessment and opinion. Our aim is to act honestly, fairly and professionally and in the interests of customers at all times and keep any complainant (i.e. you or any other parties acting on your behalf) regularly informed about the investigation and give you a final response no later than 8 weeks. If you are not happy with our final response, or the position after a period of 8 weeks, we will tell you about your eligibility to refer the complaint to the Financial Ombudsman Service Even in circumstances where you are not eligible to refer such concerns to the FOS we will attempt to resolve a particular matter promptly through negotiation, if the matter cannot be resolved directly with us (usually with 6 months from the date of receipt of the concern) we will seek the assistance of an independent compliance firm or mediator as might be agreed between us and any complainant or as any parties may agree to try and resolve the matter. The FOS Consumer Helpline is on 0800 023 4567 (free for people phoning from a "fixed line" (for example, a landline at home) or 0000 000 0000 (free for mobile-phone users paying monthly charge for calls to No’s starting 01 or 02). Alternatively, you can contact them at Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London, E14 9SR. xxx.xxxxxxxxx-xxxxxxxxx.xxx.xxdefective.

Right to Cancel. Please contact us if you wish to cancel any policy that we have arranged for you. Customers acting outside their trade or profession (Consumers) will usually have a legal right to cancel policies for any reason within 14 days of receiving the full terms & conditions. A charge will apply for the period of cover provided and, in addition, an administration charge will apply as shown in the charges section. We are only able to cancel a policy from the date of receiving the request. We aim to process refunds promptly and as soon as practicable. You will not be entitled to a refund if you have made a claim (this will typically vary and is subject to your specific policy terms and conditions) ). If you are paying for your insurance using a finance agreement it is your responsibility to keep up with the agreed payments until the refund is received by the finance company and to settle any amount due after any refund has been forwarded. Policies such as legal expenses or breakdown assistance are not refundable, if you cancel this sort of arrangement you will not be entitled to any refund of the premium you paid. Our aim is always to provide all our customers with a first-class service; , however, we are aware that, that occasionally, it is possible that we may fail to meet your expectations. If for any reason we have not met your expectations, let us know as soon as possible, by calling our main office telephone 0000 000 0000,or 0000, or write to The Complaints Manager, My Policy Limited, Prospect HouseXxxxxxxx Xxxxx, Prospect RoadXxxxxxxx Xxxx, HalesowenXxxxxxxxx, West Midlands B62 8DU Xxxx Xxxxxxxx X00 0XX or go to xxx.xxxxxxxx.xx.xx/xxx-xx-xxxxx. If we are unable to resolve your concerns within 3 working days, we will continue to investigate the matter. We will formally acknowledge the complaint lodged with us, detailing our understanding of your concerns and send you a copy of our complaints process to help you understand the next steps in the complaints process as well as the right to refer such concerns to the Financial Ombudsman Service (FOS) for an independent assessment and opinion. Our aim is to act honestly, fairly and professionally and in the interests of customers at all times and keep any complainant (i.e. you or any other parties acting on your behalf) regularly informed about the investigation and give you a final response no later than 8 weeks. If you are not happy with our final response, or the position after a period of 8 weeks, we will tell you about your eligibility to refer the complaint to the Financial Ombudsman Service Service. Even in circumstances where you are not eligible to refer such concerns to the FOS we will attempt to resolve a particular matter promptly through negotiation, if the matter cannot be resolved directly with us (usually with 6 months from the date of receipt of the concern) we will seek the assistance of an independent compliance firm or mediator as might be agreed between us and any complainant or as any parties may agree to try and resolve the matter. The FOS Consumer Helpline is on 0800 023 4567 (free for people phoning from a "fixed line" (for example, a landline at home) or 0000 000 0000 (free for mobile-phone users paying monthly charge for calls to No’s numbers starting 01 or 02). Alternatively, you can contact them at Financial Ombudsman Service, Exchange TowerXxxxxxxx Xxxxx, Harbour Exchange SquareXxxxxxx Xxxxxxxx Xxxxxx, LondonXxxxxx, E14 9SRX00 0XX. xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx

Right to Cancel. Please contact us if you wish to cancel any policy that we have arranged for you. Customers acting outside their trade or profession (Consumers) will usually have a legal right to cancel policies for any reason within 14 days of receiving the full terms & conditions. A charge will apply for the period of cover provided and, in addition, an administration charge will apply as shown in the charges section. We are only able to cancel a policy from the date of receiving the request. We aim to process refunds promptly and as soon as practicable. You will not be entitled to a refund if you have made a claim (this will typically vary and is subject to your specific policy terms and conditions) ). If you are paying for your insurance using a finance agreement it is your responsibility to keep up with the agreed payments until the refund is received by the finance company and to settle any amount due after any refund has been forwarded. Policies such as During the 14-day cooling off period, any additional covers you have purchased will be refunded. Outside of 14 days, legal expenses or breakdown assistance are cover is not refundable, if you cancel this sort of arrangement you will not ; breakdown cover may be entitled partially refunded subject to any refund of the premium you paidno claims being made. Our aim is always to provide all our customers with a first-class service; , however, we are aware that, that occasionally, it is possible that we may fail to meet your expectations. If for any reason we have not met your expectations, let us know as soon as possible, by calling our main office telephone 0000 000 0000,or 0000, or write to The Complaints Manager, My Policy Limited, Prospect HouseXxxxxxxx Xxxxx, Prospect RoadXxxxxxxx Xxxx, HalesowenXxxxxxxxx, West Midlands B62 8DU Xxxx Xxxxxxxx X00 0XX or go to xxx.xxxxxxxx.xx.xx/xxx-xx-xxxxx. If we are unable to resolve your concerns within 3 working days, we will continue to investigate the matter. We will formally acknowledge the complaint lodged with us, detailing our understanding of your concerns and send you a copy of our complaints process to help you understand the next steps in the complaints process as well as the right to refer such concerns to the Financial Ombudsman Service (FOS) for an independent assessment and opinion. Our aim is to act honestly, fairly and professionally and in the interests of customers at all times and keep any complainant (i.e. you or any other parties acting on your behalf) regularly informed about the investigation and give you a final response no later than 8 weeks. If you are not happy with our final response, or the position after a period of 8 weeks, we will tell you about your eligibility to refer the complaint to the Financial Ombudsman Service FOS. Even in circumstances where you are not eligible to refer such concerns to the FOS we will attempt to resolve a particular matter promptly through negotiation, if the matter cannot be resolved directly with us (usually with 6 months from the date of receipt of the concern) we will seek the assistance of an independent compliance firm or mediator as might be agreed between us and any complainant or as any parties may agree to try and resolve the matter. The FOS Consumer Helpline is on 0800 023 4567 (free for people phoning from a "fixed line" (for example, a landline at home) or 0000 000 0000 (free for mobile-phone users paying monthly charge for calls to No’s numbers starting 01 or 02). Alternatively, you can contact them at write to the Financial Ombudsman Service, Exchange TowerXxxxxxxx Xxxxx, Harbour Exchange SquareXxxxxxx Xxxxxxxx Xxxxxx, LondonXxxxxx, E14 9SRX00 0XX. xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx

Right to Cancel. Please contact To cancel this Agreement you must notify us if in writing within 30 days of signing. Deposits will not be returned but may be applied to future orders (net of any actual costs related to the cancellation) at Xxxxx Xxxxxxxx’x sole discretion. For orders canceled after 30 days, no credit will be given. Custom orders cannot be canceled. We reserve the right to cancel orders or terminate relationships in our sole discretion, at which point your deposit will be returned within thirty (30) days. SHIPPING: Risk of loss and damage shall pass to Buyer when products are delivered to carrier. Shipping charges will be added to your invoice prior to shipping. You should inspect all items for damage prior to signing. Signature of receipt by your agent or employee constitutes full acceptance of all packages stated on the bill of lading or electronic clipboard in undamaged condition. You are responsible for all shipping and return charges for any shipment that is refused as well as forfeiture of your deposit. We shall not be liable for delay in shipment for any cause, nor shall any delay entitle you wish to cancel any policy order after it has shipped or refuse delivery. You agree that the shipping address on the reverse side or otherwise provided to Xxxxx Xxxxxxxx in writing is a valid shipping address for your retail business. For Designers, we have arranged for can direct ship to your customers, in which case, acceptance of packages by your customer will be considered acceptance by you. Customers acting outside their Delivery may occur in multiple lots depending upon availability of the products constituting an order. Our standard shipping rate will be the same regardless of multiple shipments. LIMITED WARRANTY: We ship items that conform to the samples we display at wholesale trade shows and on our website; however, variations are a normal part of the production process. Our products will be free from defects in material and workmanship that materially impair the use of the product. You agree (a) to fully examine goods upon delivery, (b) to save all packaging materials with respect to damaged or profession defective goods, and (Consumersc) will usually have to contact us and (d) to provide a legal right to cancel policies for any reason photograph showing the damage or defect within 14 five (5) business days of receiving the full terms & conditions. A charge will apply for the period of cover provided and, in addition, an administration charge will apply as shown in the charges sectiondelivery. We will, at our option, repair or replace the item, or provide you a credit. If damaged item(s) are to be replaced or credited, the items must be returned prior to shipment of a replacement or authorization of credit. For all returned products, only able to cancel a policy from use the date of receiving the requestshipping documents provided by Xxxxx Xxxxxxxx. We aim to process refunds promptly and as soon as practicable. You Shipping reimbursement will not be entitled made for use of non-authorized shipments. All returns must be properly packaged with original packaging (unless otherwise instructed), clearly labeled with correct RA# and scheduled for pickup within five (5) business days of receipt of shipping documents. This is our only limited warranty or liability. Our limited warranty does not cover: (a) normal wear and tear, (b) product variations, (c) defects or damage occurring due to, or following, product modification (d) damage caused by shipping/transit and (e) damage caused by misuse, abuse, or negligent treatment of merchandise. Our limited warranty is void if repairs or modifications have been attempted by any person without our consent. Our limited warranty is limited to a refund if you have made a claim (this will typically vary and is subject to your specific policy terms and conditions) If you are paying the original wholesale purchaser. In no event shall we be liable for your insurance using a finance agreement it is your responsibility to keep up incidental or consequential damages in connection with the agreed payments until purchase or use of any merchandise. This limited warranty provides your exclusive remedy for any defective product. THE FOREGOING LIMITED WARRANTY IS MADE EXPRESSLY IN LIEU OF ALL OTHER WARRANTIES, EXPRESS, IMPLIED OR OTHERWISE, INCLUDING WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR ANY AFFIRMATION OF ANY FACT OR REPRESENTATION WHICH EXTENDS BEYOND THE LIMITED WARRANTY SET FORTH ABOVE AND ANY SUCH WARRANTIES ARE HEREBY EXPRESSLY DISCLAIMED. CARRIER DAMAGES: Claims for damage to products that do not arise from defects in material or workmanship are the refund is received by responsibility of the finance company carrier. If the shipment arrives with visible exterior damage (crushed box, broken crate, moisture, etc) note the damage in writing on the carrier’s delivery receipt before you sign for the shipment and to settle any amount due after any refund has been forwardedrelease the delivery driver. Policies such as legal expenses or breakdown assistance are not refundable, if you cancel this sort of arrangement you A claim for shipping damages will not be entitled accepted by Xxxxx Xxxxxxxx unless the damages are noted on the carrier’s delivery receipt. Within five (5) business days of receipt, you must (a) unpack and thoroughly inspect shipment for damaged items, (b) SAVE ALL PACKAGING UNTIL CLAIM IS RESOLVED and (c) email xxxxx@xxxxxxxxxxxxxxxxxxxx.xxx or call 919-732- 8664 to any refund of report damaged items and to receive a return authorization number (RA#). We will, at our option, repair or replace the premium item, or provide you paid. Our aim is always to provide all our customers with a first-class service; however, we are aware that, occasionally, it is possible that we may fail to meet your expectationscredit. If for any reason we have not met your expectationsdamaged item(s) are to be replaced or credited, let us know as soon as possiblethe items must be returned prior to shipment of a replacement or authorization of credit. For all returned products, only use the shipping documents provided by calling our main office telephone 0000 000 0000,or write to The Complaints Manager, My Policy Limited, Prospect House, Prospect Road, Halesowen, West Midlands B62 8DU or go to xxx.xxxxxxxx.xx.xx/xxx-xx-xxxxxXxxxx Xxxxxxxx. If we are unable to resolve your concerns within 3 working days, we Shipping reimbursement will continue to investigate the matter. We will formally acknowledge the complaint lodged with us, detailing our understanding of your concerns and send you a copy of our complaints process to help you understand the next steps in the complaints process as well as the right to refer such concerns to the Financial Ombudsman Service (FOS) for an independent assessment and opinion. Our aim is to act honestly, fairly and professionally and in the interests of customers at all times and keep any complainant (i.e. you or any other parties acting on your behalf) regularly informed about the investigation and give you a final response no later than 8 weeks. If you are not happy with our final response, or the position after a period of 8 weeks, we will tell you about your eligibility to refer the complaint to the Financial Ombudsman Service Even in circumstances where you are not eligible to refer such concerns to the FOS we will attempt to resolve a particular matter promptly through negotiation, if the matter cannot be resolved directly made for use of non-authorized shipments. All returns must be properly packaged with us original packaging (usually unless otherwise instructed), clearly labeled with 6 months from the date correct RA# and scheduled for pickup within five (5) business days of receipt of shipping documents. RETURNS: It is within our sole discretion as to whether to accept returns of merchandise. Items returned without our prior authorization will be refused. Returned items must be in their original condition and packaging, and you shall prepay and be liable for all charges in connection with the concern) we will seek the assistance shipping of an independent compliance firm or mediator as might be agreed between us and any complainant or as any parties may agree to try and resolve the matterreturned goods, including insurance. The FOS Consumer Helpline 50% non refundable deposit will be kept on all returns of merchandise that is on 0800 023 4567 (free for people phoning from a "fixed line" (for example, a landline at home) or 0000 000 0000 (free for mobile-phone users paying monthly charge for calls to No’s starting 01 or 02). Alternatively, you can contact them at Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London, E14 9SR. xxx.xxxxxxxxx-xxxxxxxxx.xxx.xxnot defective.

Right to Cancel. Please contact us if you wish to cancel any policy that we You have arranged for you. Customers acting outside their trade or profession (Consumers) will usually have a legal the right to cancel policies for any reason this contract under the Consumer Contracts (Information, Cancellation and Additional Charges) regulations 2013 within 14 calendar days of receiving the full terms & conditionsfrom which is has been signed. A charge will apply for the period of cover provided and, in addition, an administration charge will apply as shown in the charges section. We are only able Any notice to cancel a policy from the should be in writing and submitted to us at xxxxxxxxxxxxx@xxxxxxxxxxxxx.xxx The cancellation date of receiving the request. We aim to process refunds promptly and as soon as practicable. You will not be entitled to a refund if you have made a claim (this will typically vary and is subject to your specific policy terms and conditions) If you are paying for your insurance using a finance agreement it is your responsibility to keep up with the agreed payments until the refund is received by the finance company and to settle any amount due after any refund has been forwarded. Policies such as legal expenses or breakdown assistance are not refundable, if you cancel this sort of arrangement you will not be entitled to any refund of the premium you paid. Our aim is always to provide all our customers with a first-class service; however, we are aware that, occasionally, it is possible that we may fail to meet your expectations. If for any reason we have not met your expectations, let us know as soon as possible, by calling our main office telephone 0000 000 0000,or write to The Complaints Manager, My Policy Limited, Prospect House, Prospect Road, Halesowen, West Midlands B62 8DU or go to xxx.xxxxxxxx.xx.xx/xxx-xx-xxxxx. If we are unable to resolve your concerns within 3 working days, we will continue to investigate the matter. We will formally acknowledge the complaint lodged with us, detailing our understanding of your concerns and send you a copy of our complaints process to help you understand the next steps in the complaints process as well as the right to refer such concerns to the Financial Ombudsman Service (FOS) for an independent assessment and opinion. Our aim is to act honestly, fairly and professionally and in the interests of customers at all times and keep any complainant (i.e. you or any other parties acting on your behalf) regularly informed about the investigation and give you a final response no later than 8 weeks. If you are not happy with our final response, or the position after a period of 8 weeks, we will tell you about your eligibility to refer the complaint to the Financial Ombudsman Service Even in circumstances where you are not eligible to refer such concerns to the FOS we will attempt to resolve a particular matter promptly through negotiation, if the matter cannot be resolved directly with us (usually with 6 months from the date of receipt of the concern) email notice to cancel. If we will seek have introduced you to a buyer prior to receiving any cancellation notice you may still be liable to pay our fees. I agree and understand the assistance scope of an independent compliance firm services provided by XxxXxxxxxXxxx.xxx as described on their website I appoint XxxXxxxxxXxxx.xxx to act as my buying agent to source and acquire a suitable property on my behalf I instruct XxxXxxxxxXxxx.xxx to act on my behalf during any property negotiations with any vendors or mediator their agents I permit XxxXxxxxxXxxx.xxx to discuss the transaction details of any property as might be agreed between us and any complainant or as necessary with any parties related to the transaction I agree not to directly approach or deal with any vendors, their agents or properties that have been introduced via XxxXxxxxxXxxx.xxx This may include any other appointed or related 3rd parties such as solicitors, bankers or accountants I understand the minimum investment criteria for this service is £250,000 I understand that there is no guarantee a suitable investment property will be found I understand this is an investment and may not perform to expectations I agree not to hold XxxXxxxxxXxxx.xxx liable for any purchase decisions I make I agree not to hold XxxXxxxxxXxxx.xxx responsible for investment performance I agree not to seek recourse for compensation under any circumstances I understand I am under no obligation to use any of the suppliers or partners recommended by XxxXxxxxxXxxx.xxx I agree not to hold XxxXxxxxxXxxx.xxx liable for any advise received via 3rd parties whether recommended or independently appointed I understand my purchase is subject to Money Laundering Regulations and agree to try comply as necessary I agree to provide XxxXxxxxxXxxx.xxx with any necessary personal information required for property purchase or money laundering checks I agree that XxxXxxxxxXxxx.xxx reserve the right to withdraw their service at any time by providing written notice I understand and resolve the matter. The FOS Consumer Helpline is agree that any termination of services from XxxXxxxxxXxxx.xxx or any of it’s subsidiaries will be provided in writing I have read and agree to XxxXxxxxxXxxx.xxx’s User Agreement and Privacy Policy as show on 0800 023 4567 (free for people phoning from a "fixed line" (for example, a landline at home) or 0000 000 0000 (free for mobile-phone users paying monthly charge for calls to No’s starting 01 or 02). Alternativelytheir website Where XxxXxxxxxXxxx.xxx act on your behalf as your buying agent, you will be liable to pay remuneration to us, in addition to any other costs or charges agreed, if at any time unconditional contracts for the purchase of a property introduced by us are exchanged, during the period of our buying agency service or with whom we had negotiations about the property during that period; or with a vendor introduced or offering via another agent during that period. Our Buying Agency instructions are subject to a minimum term of 12 weeks from the date of signing. Either party may terminate such a contract by giving two weeks notice in writing to your immediate Account Manager. Such notice cannot be served prior to the tenth week of instruction due to this minimum period. Where XxxXxxxxxXxxx.xxx is instructed along with other Agents, you will be liable to pay remuneration to us, in addition to any other costs or charges agreed, if at any time unconditional contracts for the purchase of the property are exchanged with a vendor or their agents introduced by us; or with a vendor or their agents, to whose attention we brought the availability of the property. A multiple-agency instruction can contact them be terminated at Financial Ombudsman Serviceany time by either party giving two weeks notice in writing. XxxXxxxxxXxxx.xxx reserve the right to sub-contract other agencies at any time during our agency if we consider that this would be in your best interests. This will not involve any other costs and all viewings and negotiations will be co-ordinated by XxxXxxxxxXxxx.xxx at no additional cost to you. XxxXxxxxxXxxx.xxx fees are calculated as a percentage (%) of the purchase price. As XxxXxxxxxXxxx.xxx fees are based on a percentage of the purchase price, Exchange Towershould this be higher or lower than the sales asking price, Harbour Exchange Square, London, E14 9SRXxxXxxxxxXxxx.xxx fees will be correspondingly higher or lower. xxx.xxxxxxxxx-xxxxxxxxx.xxx.xxFor Buying Agency instructions this percentage is at a rate of 2.4% which includes 20% Value Added Tax. All Buying Agency fees are subject to a minimum fee of £3,000 including VAT. (£2,500 + VAT)

Right to Cancel. Please Cooling-Off') You have a right to withdraw from this Agreement under the following conditions: 10.1. Where you purchased the Payment Services then you have a “Cooling Off” period of 14 days beginning on the date of the successful registration of your Account, to withdraw from this Agreement and cancel the Payment Services, without any penalty but subject to deduction of any reasonable costs incurred by us in the performance of any part of the provision of services before you cancel. You must contact us if within this 14-day period and inform us that you wish to withdraw from this Agreement, and you must not use the Payment Services. We will then cancel any policy that we have arranged for the Payment Services and reimburse the amount of Available Balance on the Account to you. Customers acting outside their trade or profession (Consumers) will usually have a legal However, we reserve the right to cancel policies hold the Available Balance for up to 30 business days from receipt of your instructions before returning the balance, to ensure that details of all Transactions have been received. 10.2. After the Cooling Off period you may only terminate the Payment Services as described in Clause 12 11. Expiry & Redemption 11.1. Your Card has an expiry date printed on it (the “Expiry Date”). The Card (and any reason Secondary Card) and any PCSIL IBAN linked to the Card will no longer be usable following the Expiry Date, and you must not use it after that time, but you will still be able to receive and send funds toand from the Account associated with the Card. 11.2. If a Card expires before your Available Balance is exhausted, you can contact Customer Services to request a replacement Card, provided you do so within 14 days before the Expiry Date printed on your Card and subject to payment of receiving the full terms & conditions. A charge will apply for the period of cover provided and, in addition, an administration charge will apply as shown in the charges sectiona Fee (where specified). We are only able reserve the right to cancel issue you with a policy from the date of receiving the request. We aim to process refunds promptly and as soon as practicable. You will not be entitled to a refund replacement for an expired Card even if you have made a claim (this will typically vary and is subject to your specific policy terms and conditions) not requested one. If you are paying for your insurance using have not requested a finance agreement it is your responsibility to keep up with the agreed payments until the refund is received by the finance company and to settle any amount due after any refund has been forwarded. Policies such as legal expenses or breakdown assistance are not refundablereplacement Card, if you cancel this sort of arrangement you will not be entitled charged a Card Replacement Fee. 11.3. If your PCSIL IBAN is linked to your Account, rather than linked to your Card, then it will not expire when the Card expires, but will be available to use as long as the Account is available for your use. 11.4. Your funds are available for redemption by contacting us at any refund time. We reserve the right to request identification documentation in order to ensure redemption is performed in strict accordance with applicable law. 11.5. When redemption is requested by you before the termination of this Agreement in accordance with clause 12, or more than one (1) year after the premium you paid. Our aim is always to provide all our customers date of termination of this Agreement in accordance with a first-class service; howeverclause 12, we are aware thatshall charge a Redemption Fee. 11.6. Provided that your request for redemption is made less than 12 months following the date on which this Agreement ends under Clause 12, occasionallyredemption will not incur any Redemption Fee. If you make a request for redemption more than 12 months after the date on which this Agreement ends under Clause 12 an Account Closure Fee may be charged (where specified). 11.7. We shall have the absolute right to set-off, it transfer, or apply sums held in the Account(s) or Cards in or towards satisfaction of all or any liabilities and Fees owed to us that have not been paid or satisfied when due. 11.8. We shall have the absolute right to close your Account and submit a chargeback claim for the relevant Transactions if your Account is possible that in negative standing for more than 60 days. If our chargeback is successful, funds paid to your Account may only be used to credit your Card or Account, and your Account will remain closed. 11.9. If your Account is inactive (including without limitation no access to the account or payment Transactions) for at least 2 consecutive years and has an Available Balance, we may fail (but we are not obliged to) notify you by sending an e-mail to meet your expectationsregistered e-mail address and give you the option of keeping your Account open and maintaining or redeeming the Available Balance. If for any reason we have you do not met your expectations, let us know as soon as possible, by calling respond to our main office telephone 0000 000 0000,or write to The Complaints Manager, My Policy Limited, Prospect House, Prospect Road, Halesowen, West Midlands B62 8DU or go to xxx.xxxxxxxx.xx.xx/xxx-xx-xxxxx. If we are unable to resolve your concerns notice within 3 working thirty (30) days, we will continue to investigate the matter. We will formally acknowledge the complaint lodged with us, detailing our understanding automatically close your Account and initiate a Transfer of your concerns and send you a copy of our complaints process to help you understand the next steps in the complaints process as well as the right to refer such concerns Available Balance to the Financial Ombudsman Service (FOS) for an independent assessment and opinion. Our aim is last payment account notified by you to act honestly, fairly and professionally and in the interests of customers at all times and keep any complainant (i.e. you or any other parties acting on your behalf) regularly informed about the investigation and give you a final response no later than 8 weeks. If you are not happy with our final response, or the position after a period of 8 weeks, we will tell you about your eligibility to refer the complaint to the Financial Ombudsman Service Even in circumstances where you are not eligible to refer such concerns to the FOS we will attempt to resolve a particular matter promptly through negotiation, if the matter cannot be resolved directly with us (usually with 6 months from the date of receipt of the concern) we will seek the assistance of an independent compliance firm or mediator as might be agreed between us and any complainant or as any parties may agree to try and resolve the matter. The FOS Consumer Helpline is on 0800 023 4567 (free for people phoning from a "fixed line" (for example, a landline at home) or 0000 000 0000 (free for mobile-phone users paying monthly charge for calls to No’s starting 01 or 02your “Nominated Bank Account”). Alternatively, you can contact them at Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London, E14 9SR. xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx.

Right to Cancel. Please contact You have the right to cancel your Contract with us if at any time up to the end of the 14th day after the day that you enter into the Contract. You may also cancel your Contract with us at any time up to the end of the 14th day after we deliver the last piece of equipment to you. If you wish to cancel, you must inform us by a clear statement made by letter sent in the post, by email or on the telephone. The easiest way to cancel any policy is by sending us an email to xxxxxxxxx@xxxxxxxxxx.xx.xx. Your cancellation is effective from the receipt by us of your clear communication. It is often not practical for us to wait for the second 14-day cancellation period to expire (after delivery of the equipment to you) before we start work. As a result, we will typically ask you to expressly instruct us to start the installation during your cancellation period. If you have instructed us to start work before the cancellation period expires, we can recover from you the reasonable costs that we have arranged for youincurred up to your cancellation which could mean you paying 100% of the agreed price. Customers acting outside their trade or profession (Consumers) will usually have a legal If you exercise your right to cancel, we will leave your property secure, safe and watertight but we are not required to refit any equipment removed. Once we have received your cancellation notice, we will be in touch to confirm what happens next, whether any payments are due, and their amount. Any advance payments we have taken from you will be returned after we have deducted any money we are allowed to deduct as stated above. You may also cancel policies this Contract for any reason within 14 days of receiving the a full terms & conditions. A charge will apply for the period of cover provided and, in addition, refund if there is an administration charge will apply as shown unreasonable delay in the charges sectioninstallation being carried out that has not been caused by you, including where this is caused by something outside of our direct control. If you cancel this Contract outside the cancellation periods described above, you may have to pay to us our reasonable costs incurred. We will attempt to keep these costs to a minimum. If you have paid us a deposit or any advance payments, we may retain all or part of these payments as a contribution. If the goods or services are only able incorrectly described or not fit for purpose then you will be entitled to cancel this Contract, request a policy from the date of receiving the request. We aim repair or replacement or you may be entitled to process refunds promptly and as soon as practicablerequest compensation. You will not be entitled to a refund seek the remedies in this paragraph if you have made a claim (this will typically vary and is subject to changed your specific policy terms and conditions) If you are paying for your insurance using a finance agreement it is your responsibility to keep up with the agreed payments until the refund is received by the finance company and to settle any amount due after any refund has been forwarded. Policies such as legal expenses or breakdown assistance are not refundable, if you cancel this sort of arrangement you will not be entitled to any refund of the premium you paid. Our aim is always to provide all our customers with a first-class service; however, we are aware that, occasionally, it is possible that we may fail to meet your expectations. If for any reason we have not met your expectations, let us know as soon as possible, by calling our main office telephone 0000 000 0000,or write to The Complaints Manager, My Policy Limited, Prospect House, Prospect Road, Halesowen, West Midlands B62 8DU or go to xxx.xxxxxxxx.xx.xx/xxx-xx-xxxxx. If we are unable to resolve your concerns within 3 working days, we will continue to investigate the matter. We will formally acknowledge the complaint lodged with us, detailing our understanding of your concerns and send you a copy of our complaints process to help you understand the next steps in the complaints process as well as the right to refer such concerns to the Financial Ombudsman Service (FOS) for an independent assessment and opinion. Our aim is to act honestly, fairly and professionally and in the interests of customers at all times and keep any complainant (i.e. you or any other parties acting on your behalf) regularly informed mind about the investigation goods and give you a final response no later than 8 weeks. If you are not happy with our final response, or the position after a period of 8 weeks, we will tell you about your eligibility to refer the complaint to the Financial Ombudsman Service Even in circumstances where you are not eligible to refer such concerns to the FOS we will attempt to resolve a particular matter promptly through negotiation, if the matter cannot be resolved directly with us (usually with 6 months from the date of receipt of the concern) we will seek the assistance of an independent compliance firm or mediator as might be services agreed between us and any complainant or as any parties may agree to try and resolve the matter. The FOS Consumer Helpline is on 0800 023 4567 (free for people phoning from a "fixed line" (for example, a landline at home) or 0000 000 0000 (free for mobile-phone users paying monthly charge for calls to No’s starting 01 or 02). Alternatively, you can contact them at Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London, E14 9SR. xxx.xxxxxxxxx-xxxxxxxxx.xxx.xxto.

Right to Cancel. Please contact The Credit Contracts and Consumer Finance Act 2003 gives you a right for a short time after the terms of this Agreement have been disclosed to you to cancel the Agreement. How to cancel If you want to cancel this Agreement you must give written notice to us that you intend to cancel this Agreement by:  giving notice to us or one of our employees or agents; or  posting the notice to us or one of our agents; or  emailing the notice to our email address; or  sending the notice to our fax number. You must also return to us any advance and any other property received by you under the Agreement. Time limits for cancellation If the disclosure documents are handed to you directly you must give notice that you intend to cancel within 5 working days after you receive the documents. If the disclosure documents are sent to you by electronic means (for example, email) you must give notice that you intend to cancel within 7 working days after the electronic communication is sent. If the documents are mailed to you, you must give the notice within 9 working days after they were posted. Saturdays, Sundays and national public holidays are not counted as working days. What you may have to pay if you wish cancel If you cancel the Agreement we can charge you: (a) The amount of any reasonable expenses we had to cancel any policy that we have arranged pay in connection with the Agreement and its cancellation (including legal fees and fees for you. Customers acting outside their trade or profession credit reports, etc); and (Consumersb) will usually have a legal right to cancel policies for any reason within 14 days of receiving the full terms & conditions. A charge will apply Interest for the period of cover provided and, in addition, an administration charge will apply as shown in the charges section. We are only able to cancel a policy from the date day you received the Loan until the day you repay the Loan. This statement only contains a summary of receiving your rights and obligations in connection with the requestright to cancel. We aim to process refunds promptly If there is anything about your rights or obligations under the Credit Contracts and as soon as practicable. You will Consumer Finance Act 2003 that you do not be entitled to understand, if there is a refund dispute about your rights, or if you have made a claim (this will typically vary and is subject to your specific policy terms and conditions) think that we are being unreasonable in any way, you should seek legal advice immediately. If you are paying for your insurance using a finance agreement it is your responsibility unable reasonably to keep up with your payments or other obligations because of illness, injury, loss of employment, the agreed payments until end of a relationship, or other reasonable cause, you may be able to apply to us for a hardship variation. To apply for a hardship variation, you need to: (a) make an application in writing; and (b) explain your reason(s) for the refund is received by the finance company application; and to settle any amount due after any refund has been forwarded. Policies such as legal expenses or breakdown assistance are not refundable, if you cancel this sort of arrangement you will not be entitled to any refund (c) request one of the premium following:  an extension to the term of the Agreement (which will reduce the amount of each payment due under the Agreement); or  a postponement of the dates on which payments are due under the Agreement (specify the period for which you paidwant this to apply); or  both of the above; and (d) give the application to us. Our aim is always to provide all our customers with a first-class service; however, we are aware that, occasionally, it is possible that we may fail to meet your expectations. If for any reason we have not met your expectations, let us know Do this as soon as possible. If you leave it for too long, by calling our main office telephone 0000 000 0000,or write we may not have to consider your application. We may be required to provide you with regular disclosure statements. The Complaints Manager, My Policy Limited, Prospect House, Prospect Road, Halesowen, West Midlands B62 8DU or go to xxx.xxxxxxxx.xx.xx/xxx-xx-xxxxxstatements will give you information about your account. If we are unable required to provide you with regular statements, those statements will be provided at least every six months, or at least every 45 working days if your Loan is a Revolving Credit Loan (or at such other times required under the Credit Contracts and Consumer Finance Act 2003). As an alternative, you agree that we may satisfy our obligation to provide regular statements by making the required information available on our website. We are a member of the following dispute resolution scheme: The Insurance & Financial Services Ombudsman Scheme (IFSO) It is free to make a complaint to this independent dispute resolution scheme. This scheme can help you to resolve your concerns within 3 working days, we will continue to investigate the matter. We will formally acknowledge the complaint lodged any disagreements you have with us, detailing our understanding . Contact details of your concerns and send you a copy of our complaints process to help you understand the next steps in the complaints process dispute resolution scheme are as well as the right to refer such concerns to the Financial Ombudsman Service (FOS) for an independent assessment and opinion. Our aim is to act honestly, fairly and professionally and in the interests of customers at all times and keep any complainant (i.e. you or any other parties acting on your behalf) regularly informed about the investigation and give you a final response no later than 8 weeks. If you are not happy with our final response, or the position after a period of 8 weeks, we will tell you about your eligibility to refer the complaint to the Financial Ombudsman Service Even in circumstances where you are not eligible to refer such concerns to the FOS we will attempt to resolve a particular matter promptly through negotiation, if the matter cannot be resolved directly with us (usually with 6 months from the date of receipt of the concern) we will seek the assistance of an independent compliance firm or mediator as might be agreed between us and any complainant or as any parties may agree to try and resolve the matter. The FOS Consumer Helpline is on 0800 023 4567 (free for people phoning from a "fixed line" (for example, a landline at home) or follows: Phone: 0000 000 0000 (free for mobile000 Website: xxxx://xxx.xxxx.xx Business address: Level 00, 00-phone users paying monthly charge for calls to No’s starting 01 or 02). Alternatively00 Xxxxxx Xxxxxx, you can contact them at Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London, E14 9SR. xxx.xxxxxxxxx-xxxxxxxxx.xxx.xxWellington 6011 Page 7 Copyright Co-op Money NZ 17624927

Right to Cancel. Please contact If you are a consumer, and you purchased a vehicle from us if online, at a distance, or off-premises, you wish to cancel any policy that we have arranged for you. Customers acting outside their trade or profession (Consumers) will usually have a legal the right to cancel policies for any reason this contract within 14 days of receiving without giving any reason. The cancellation period commences on the full terms & conditions. A charge day on which the contract was formed and will apply for the period of cover provided and, in addition, an administration charge will apply as shown in the charges section. We are only able to cancel a policy expire after 14 days from the date of receiving the request. We aim to process refunds promptly and as soon as practicable. You will not be entitled to day on which you acquire (or a refund if third party nominated by you have made a claim (this will typically vary and is subject to your specific policy terms and conditions) If you are paying for your insurance using a finance agreement it is your responsibility to keep up with the agreed payments until the refund is received by the finance company and to settle any amount due after any refund has been forwarded. Policies such as legal expenses or breakdown assistance are not refundable, if you cancel this sort of arrangement you will not be entitled to any refund of the premium you paid. Our aim is always to provide all our customers with a first-class service; however, we are aware that, occasionally, it is possible that we may fail to meet your expectations. If for any reason we have not met your expectations, let us know as soon as possible, by calling our main office telephone 0000 000 0000,or write to The Complaints Manager, My Policy Limited, Prospect House, Prospect Road, Halesowen, West Midlands B62 8DU or go to xxx.xxxxxxxx.xx.xx/xxx-xx-xxxxx. If we are unable to resolve your concerns within 3 working days, we will continue to investigate the matter. We will formally acknowledge the complaint lodged with us, detailing our understanding of your concerns and send you a copy of our complaints process to help you understand the next steps in the complaints process as well as the right to refer such concerns to the Financial Ombudsman Service (FOS) for an independent assessment and opinion. Our aim is to act honestly, fairly and professionally and in the interests of customers at all times and keep any complainant (i.e. you or any other parties acting acquires on your behalf) regularly informed about physical possession of the investigation and give vehicle. To exercise the right to cancel, you a final response no later than 8 weeks. If you are not happy with our final response, or the position after a period of 8 weeks, we will tell you about your eligibility to refer the complaint to the Financial Ombudsman Service Even in circumstances where you are not eligible to refer such concerns to the FOS we will attempt to resolve a particular matter promptly through negotiation, if the matter cannot be resolved directly with must inform us (usually with 6 months from the date The Ashdown Garage Workshops Limited, t/a Munich Legends, Ashdown Garage, Lewes Rd, Chelwood Gate, Haywards Heath RH17 7DE, United Kingdom, Tel: +00 (0)0000 000 000, E-mail: xxxxx@xxxxxxxxxxxxx.xx.xx) of receipt of the concern) we will seek the assistance of an independent compliance firm or mediator as might be agreed between us and any complainant or as any parties may agree your decision to try and resolve the matter. The FOS Consumer Helpline is on 0800 023 4567 (free for people phoning from cancel this contract by a "fixed line" clear statement (for example, by a landline at home) letter sent by post, or 0000 000 0000 (free for mobilee-phone users paying monthly charge for calls to No’s starting 01 or 02mail). AlternativelyYou may use the attached model cancellation form, but it is not obligatory. To meet the cancellation deadline, it is sufficient for you to send your communication concerning your exercise of the right to cancel before the cancellation period has expired. You shall return the vehicle to us in its original condition without undue delay and in any event not later than 14 days from the day on which you communicate your cancellation from this contract to us. Unless the vehicle is faulty or not as described, you can contact them at Financial Ombudsman Servicewill have to bear the cost of returning the vehicle to us. Effects of cancellation If you cancel this contract, Exchange Towerwe will reimburse to you all payments received from you, Harbour Exchange Squareincluding the cost of delivery. We may make a deduction from the reimbursement for loss in value of any goods supplied, Londonif the loss is the result of unnecessary handling by you. You are only liable for any diminished value of the vehicle resulting from the handling other than which is necessary to establish the nature, E14 9SRcharacteristics and functioning of the vehicle. xxx.xxxxxxxxx-xxxxxxxxx.xxx.xxWe will make the reimbursement without undue delay, and not later than 14 days after the day we receive the vehicle back from you. We may withhold the reimbursement until we have received the vehicle back. We will make the reimbursement using the same means of payment as you used for the initial transaction, unless you have expressly agreed otherwise; in any event, you will not incur any fees as a result of the reimbursement.

Right to Cancel. Please contact us if you wish You, the buyer may cancel this transaction at any time prior to cancel any policy that we have arranged for you. Customers acting outside their trade or profession (Consumers) will usually have a legal right to cancel policies for any reason within 14 days midnight of receiving the full terms & conditions. A charge will apply for the period of cover provided and, in addition, an administration charge will apply as shown in the charges section. We are only able to cancel a policy from third business day after the date of receiving this transaction. See the requestattached notice of cancellation form for an explanation of this right. We aim To cancel, sign and date one copy of the cancellation form. Then mail it to process refunds promptly the address given for cancellation any time before midnight of the third business day after the contract date. Saturdays count as business days, Sun- days do not. Keep the other copy for your records. Proof of mailing date and as soon as practicableproof of receipt are important, so, although it is not required, you should send a letter from your local post office by certified mail, with return receipt requested. You will do not be entitled have to give a refund if you have made a claim (this will typically vary and reason for canceling. It is subject your right under the law to change your specific policy terms and conditions) mind. If you are paying cancel your purchase, the seller has 10 days to: • Cancel and return any promissory note or other negotiable instrument you signed; • Refund all your money and tell you whether any product you still have will be picked up; and • Return any trade-in. Within 20 days, the seller must either pick up the items left with you, or reimburse you for your insurance using a finance agreement it is your responsibility to keep up with the agreed payments until the refund is received by the finance company and to settle any amount due after any refund has been forwarded. Policies such as legal expenses or breakdown assistance are not refundablemailing expenses, if you agree to send back the items. You may cancel this sort of arrangement you will not be entitled to transaction, without any refund of penalty or obligation, within three business days from the premium you paid. Our aim is always to provide all our customers with a first-class service; however, we are aware that, occasionally, it is possible that we may fail to meet your expectations. If for any reason we have not met your expectations, let us know as soon as possible, by calling our main office telephone 0000 000 0000,or write to The Complaints Manager, My Policy Limited, Prospect House, Prospect Road, Halesowen, West Midlands B62 8DU or go to xxx.xxxxxxxx.xx.xx/xxx-xx-xxxxx. If we are unable to resolve your concerns within 3 working days, we will continue to investigate the matter. We will formally acknowledge the complaint lodged with us, detailing our understanding of your concerns and send you a copy of our complaints process to help you understand the next steps in the complaints process as well as the right to refer such concerns to the Financial Ombudsman Service (FOS) for an independent assessment and opinion. Our aim is to act honestly, fairly and professionally and in the interests of customers at all times and keep any complainant (i.e. you or any other parties acting on your behalf) regularly informed about the investigation and give you a final response no later than 8 weeksabove date. If you are not happy with our final responsecancel, any property traded in, any payments made by you under the contract or sale and any negotiable instrument executed by you will be returned within ten business days following receipt by the position after a period seller of 8 weeksyour cancellation notice and any security interest arising out of the transaction will be cancelled. If you cancel, we will tell you about your eligibility to refer the complaint must make available to the Financial Ombudsman Service Even seller at your residence in circumstances where substantially as good condition as when received, any goods delivered to you are not eligible to refer such concerns under this contract or sale; or you may, if you wish, comply with the instructions of the seller regarding the return shipment of the goods at the seller's expense and risk. If you do make the goods available to the FOS we will attempt to resolve a particular matter promptly through negotiation, if seller and the matter canseller does not be resolved directly with us (usually with 6 months from pick them up within twenty days of the date of receipt your notice of cancellation, you may retain or dispose of the concern) we will seek goods without any further obligation. If you fail to make the assistance of an independent compliance firm goods available to the seller, or mediator as might be agreed between us and any complainant or as any parties may if you agree to try return the goods to the seller and resolve fail to do so, then you remain liable for performance of all obligations under the matter. The FOS Consumer Helpline is on 0800 023 4567 (free for people phoning from a "fixed line" (for example, a landline at home) or 0000 000 0000 (free for mobile-phone users paying monthly charge for calls to No’s starting 01 or 02). Alternatively, you can contact them at Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London, E14 9SR. xxx.xxxxxxxxx-xxxxxxxxx.xxx.xxcontract.

Right to Cancel. Please contact This Agreement is a consumer credit contract for the purposes of the Credit Contracts and Consumer Finance Xxx 0000, that Act gives you a right for a short time after the terms of your Agreement have been disclosed to you to cancel your Agreement. If this Agreement is handed to you directly, you must give notice that you intend to cancel within five working days after you have received it. If this Agreement is sent to you by electronic means (e.g. email) you must give notice of intention to cancel within seven working days after the electronic communication has been sent. If this Agreement is mailed to you, you must give notice of intention to cancel within nine working days after the Agreement was posted. Saturdays, Sundays and national public holidays are not counted as working days. If you want to cancel your Agreement you must give us written notice. You must also return to Simplicity any advance and any other property received by you in respect to your Agreement. This statement only contains a summary of your rights and obligations in connection with the right to cancel. If there is anything about your rights or obligations under the Credit Contracts and Consumer Finance Xxx 0000 that you do not understand, if there is a dispute about your rights, or if you wish to cancel think we are being unreasonable in any policy way, you should seek legal advice immediately. If you are in financial difficulty it is important that we have arranged for youyou don’t ignore the problem. Customers acting outside their trade or profession (Consumers) will usually have a legal right to cancel policies for any reason within 14 days of receiving the full terms & conditions. A charge will apply for the period of cover provided and, in addition, an administration charge will apply as shown in the charges section. We are only able to cancel a policy from the date of receiving the request. We aim to process refunds promptly and Contact us as soon as practicablepossible if you are having problems meeting your repayments or think that you may experience difficulty doing so in the near future. If you are not able to meet your obligations under this Agreement because of an unforeseen life event such as illness, injury, loss of employment, the end of a relationship or other reasonable cause, but you expect that a change to the Agreement would enable you to meet your obligations, you may apply in writing to have the Agreement changed in one of the following ways: • extending the loan term so that the amount of each repayment is reduced; or • postponing repayments for a specified period; or • extending both the term of the Agreement and postponing repayments for a specified time. We may, but are not obliged to, agree to a change to the terms and conditions of this Agreement. You will not be entitled required to a refund if explain what changes to this Agreement will help you have made a claim (meet your obligations. For example, extending the term of this will typically vary Agreement and is subject to your specific policy terms and conditions) If you are paying for your insurance using a finance agreement it is your responsibility to keep up with reducing the amount of each minimum payment, or postponing the agreed dates for the minimum payments until the refund is received by the finance company for a period of time. There are limits on when and to settle any amount due after any refund has been forwardedhow often you can make a hardship application. Policies such as legal expenses or breakdown assistance are not refundable, if you cancel this sort of arrangement you will not be entitled to any refund of the premium you paid. Our aim is always to provide all our customers with a first-class service; however, we are aware that, occasionally, it is possible that we may fail to meet your expectations. If for any reason we have not met your expectations, let You should contact us know as soon as possible, by calling our main office telephone 0000 000 0000,or write to The Complaints Manager, My Policy Limited, Prospect House, Prospect Road, Halesowen, West Midlands B62 8DU or go to xxx.xxxxxxxx.xx.xx/xxx-xx-xxxxx. If we are unable to resolve your concerns within 3 working daysif you leave it too long, we will continue to investigate the matter. We will formally acknowledge the complaint lodged with us, detailing our understanding of your concerns and send you a copy of our complaints process may not be able to help you understand the next steps in the complaints process as well as the right to refer such concerns to the Financial Ombudsman Service (FOS) for an independent assessment and opinion. Our aim is to act honestly, fairly and professionally and in the interests of customers at all times and keep any complainant (i.e. you or any other parties acting on consider your behalf) regularly informed about the investigation and give you a final response no later than 8 weeks. If you are not happy with our final response, or the position after a period of 8 weeks, we will tell you about your eligibility to refer the complaint to the Financial Ombudsman Service Even in circumstances where you are not eligible to refer such concerns to the FOS we will attempt to resolve a particular matter promptly through negotiation, if the matter cannot be resolved directly with us (usually with 6 months from the date of receipt of the concern) we will seek the assistance of an independent compliance firm or mediator as might be agreed between us and any complainant or as any parties may agree to try and resolve the matter. The FOS Consumer Helpline is on 0800 023 4567 (free for people phoning from a "fixed line" (for example, a landline at home) or 0000 000 0000 (free for mobile-phone users paying monthly charge for calls to No’s starting 01 or 02). Alternatively, you can contact them at Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London, E14 9SR. xxx.xxxxxxxxx-xxxxxxxxx.xxx.xxapplication.

Right to Cancel. Please contact To cancel this Agreement you must notify us if in writing within 30 days of signing. Any deposits will not be returned but may be applied to future orders (net of any actual costs related to the cancellation) at Blue Pheasant’s sole discretion. For orders canceled after 30 days, no credit will be given. Cancelled orders that have already been packed are subject to a 25% restocking fee. Custom orders cannot be canceled. We reserve the right to cancel orders or terminate relationships at our sole discretion, at which point your deposit will be returned within thirty (30) days. SHIPPING: When your order is nearing completion, we will notify you wish prior to shipment. All shipping charges are F.O.B. (Free on Board) Los Angeles County, California. Shipping charges will be added to your invoice prior to shipping. You should inspect all items for damage prior to signing. Signature of receipt by your agent or employee constitutes full acceptance of all packages stated on the bill of lading or electronic clipboard in undamaged condition. You are responsible for all shipping and return charges for any shipment that is refused as well as forfeiture of your deposit. We shall not be liable for delay in shipment for any cause, nor shall any delay entitle you to cancel any policy order after it has shipped or refuse delivery. You agree that the shipping address on the reverse side or otherwise provided to Blue Pheasant in writing is the valid shipping address. For Designers, we have arranged for can direct ship to your customers, in which case acceptance of packages by your customer will be considered acceptance by you. Customers acting outside their Delivery may occur in multiple lots depending upon availability of the products constituting an order. Our standard shipping rate will be the same regardless of multiple shipments. LIMITED WARRANTY: We ship items that conform to the samples we display at wholesale trade shows and on our website; however, variations are a normal part of the production process. Our products will be free from defects in material and workmanship that materially impair the use of the product. You agree (a) to fully examine goods upon delivery, (b) to save all packaging materials with respect to damaged or profession defective goods, and (Consumersc) to contact us and (d) to provide a photograph showing the damage or defect within five (5) business days of delivery. We will, at our option, repair or replace the item. If damaged item(s) are to be replaced the items must be returned prior to shipment of a replacement. For all returned products, use only the shipping documents provided by Blue Pheasant. Shipping reimbursement will usually not be made for use of non-authorized shipments. All returns must be properly packaged with original packaging (unless otherwise instructed), clearly labeled with correct RA# and scheduled for pickup within five (5) business days of receipt of shipping documents. This is our only limited warranty or liability. Our limited warranty does not cover: (a) normal wear and tear, (b) product variations, (c) defects or damage occurring due to, or following, product modification, or (d) damage caused by misuse, abuse, or negligent treatment of merchandise. Our limited warranty is void if repairs or modifications have a legal right been attempted by any person without our consent. Our limited warranty is limited to cancel policies the original wholesale purchaser. In no event shall we be liable for incidental or consequential damages in connection with the purchase or use of any merchandise. This limited warranty provides your exclusive remedy for any reason within 14 defective product. THE FOREGOING LIMITED WARRANTY IS MADE EXPRESSLY IN LIEU OF ALL OTHER WARRANTIES, EXPRESSED, IMPLIED OR OTHERWISE, INCLUDING WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR ANY AFFIRMATION OF ANY FACT OR REPRESENTATION WHICH EXTENDS BEYOND THE LIMITED WARRANTY SET FORTH ABOVE AND ANY SUCH WARRANTIES ARE HEREBY EXPRESSLY DISCLAIMED. CARRIER DAMAGES: Claims for damage to products that do not arise from defects in material or workmanship are the responsibility of the carrier. If the shipment arrives with visible exterior damage (crushed box, broken crate, moisture, etc.) note the damage in writing on the carrier’s delivery receipt before you sign for the shipment and release the delivery driver. A claim for shipping damages will not be accepted by Blue Pheasant unless the damages are noted on the carrier’s delivery receipt. Within five (5) business days of receiving the full terms & conditions. A charge will apply for the period of cover provided andreceipt, in addition, an administration charge will apply as shown in the charges sectionyou must (a) SAVE ALL PACKAGING UNTIL CLAIM IS RESOLVED and (b) email xxxx@xxxxxxxxxxxx.xxx or call 000-000-0000 to report damaged items and to receive a return authorization number (RA#). We will, at our option, repair or replace the item. If damaged item(s) are to be replaced the items must be returned prior to shipment of a replacement or authorization of credit. For all returned products, use only able the shipping documents provided by Blue Pheasant. Shipping reimbursement will not be made for use of non-authorized shipments. All returns must be properly packaged with original packaging (unless otherwise instructed), clearly labeled with correct RA# and scheduled for pickup within five (5) business days of receipt of shipping documents. RETURNS: It is within our sole discretion as to cancel a policy from the date whether to accept returns of receiving the request. We aim to process refunds promptly and as soon as practicablemerchandise. You will not receive any reimbursement for items returned without our prior authorization. Returned items must be entitled to a refund if in their original condition and packaging, and you have made a claim (this will typically vary shall prepay and is subject to your specific policy terms and conditions) If you are paying be liable for your insurance using a finance agreement it is your responsibility to keep up all charges in connection with the agreed payments until the refund is received by the finance company and shipping of returned goods, including insurance. A 25% restocking fee will be applied to settle any amount due after any refund has been forwarded. Policies such as legal expenses or breakdown assistance all approved returns that are not refundable, if you cancel this sort of arrangement you will not be entitled to any refund of the premium you paid. Our aim is always to provide all our customers with a first-class service; however, we are aware that, occasionally, it is possible that we may fail to meet your expectations. If for any reason we have not met your expectations, let us know as soon as possible, by calling our main office telephone 0000 000 0000,or write to The Complaints Manager, My Policy Limited, Prospect House, Prospect Road, Halesowen, West Midlands B62 8DU or go to xxx.xxxxxxxx.xx.xx/xxx-xx-xxxxx. If we are unable to resolve your concerns within 3 working days, we will continue to investigate the matter. We will formally acknowledge the complaint lodged with us, detailing our understanding of your concerns and send you a copy of our complaints process to help you understand the next steps in the complaints process as well as the right to refer such concerns to the Financial Ombudsman Service (FOS) for an independent assessment and opinion. Our aim is to act honestly, fairly and professionally and in the interests of customers at all times and keep any complainant (i.e. you or any other parties acting on your behalf) regularly informed about the investigation and give you a final response no later than 8 weeks. If you are not happy with our final response, or the position after a period of 8 weeks, we will tell you about your eligibility to refer the complaint to the Financial Ombudsman Service Even in circumstances where you are not eligible to refer such concerns to the FOS we will attempt to resolve a particular matter promptly through negotiation, if the matter cannot be resolved directly with us (usually with 6 months from the date of receipt of the concern) we will seek the assistance of an independent compliance firm or mediator as might be agreed between us and any complainant or as any parties may agree to try and resolve the matter. The FOS Consumer Helpline is on 0800 023 4567 (free for people phoning from a "fixed line" (for example, a landline at home) or 0000 000 0000 (free for mobile-phone users paying monthly charge for calls to No’s starting 01 or 02). Alternatively, you can contact them at Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London, E14 9SR. xxx.xxxxxxxxx-xxxxxxxxx.xxx.xxdefective.

Right to Cancel. Please contact us You are entitled to cancel this Agreement by giving notice to FNL. Time limits for cancellation You must give notice that you intend to cancel this Agreement: a. within 5 working days of the date of this document if it is given to you in person; b. within 7 working days of the date the Disclosure Statement is sent if it is sent by email or other electronic method; or c. within 9 working days of the posting date if it is posted to you. Saturdays, Sundays and national public holidays are not counted as working days. How to cancel To cancel, you must give FNL written notice that you intend to cancel the Agreement by- • handing the notice to an employee or agent of FNL; or • posting the notice to FNL; or • emailing the notice to FNL's email address (specified at the end of this Disclosure Statement). You must also, within the same time, return to FNL any advance received by you under the Agreement (including any advance made directly to a retailer at your direction). Cancelling this Agreement doesn't cancel any agreement you have with the relevant retailer to purchase the goods or services. What you may have to pay if you wish cancel? If you cancel the Agreement, FNL can charge you any reasonable expenses FNL had to pay in connection with the Agreement and its cancellation (including legal fees and fees for credit reports, etc). If you cancel any policy that we have arranged for you. Customers acting outside their trade or profession (Consumers) will usually have a legal right to cancel policies for any reason within 14 days of receiving the full terms & conditions. A Agreement, FNL can also charge will apply you interest for the period from the day you received the advance until the day you repay the advance. If you are unable reasonably to keep up your payments or other obligations because of cover provided andillness, in additioninjury, an administration charge will apply as shown in loss of employment, the charges section. We are only end of a relationship, or other reasonable cause, you may be able to cancel apply to FNL for a policy from hardship variation. To apply for a hardship variation, you can send to us a request in writing. Your request needs to include the date reason(s) for your request and your preference for an extension of receiving the requestloan term, postponement of the dates of some of your payments, or both. We aim to process refunds promptly and Contact us as soon as practicablepossible. You can call us on 0000 00 00 00 or visit xxxxx://xxx.xxxxxxxxxx.xx.xx/help/financial-hardship/. We will discuss the situation and work with you to find a solution. If you leave it for too long, FNL may not be entitled have to a refund if you have made a claim (this will typically vary and is subject to consider your specific policy terms and conditions) application. If you are paying for your insurance using a finance agreement it is your responsibility to keep up unhappy with the agreed payments until the refund is received by the finance company and to settle any amount due after any refund has been forwarded. Policies such as legal expenses or breakdown assistance are not refundable, if you cancel this sort outcome of arrangement you will not be entitled to any refund of the premium you paid. Our aim is always to provide all our customers an experience with a first-class service; howeverFNL, we are aware that, occasionally, it is possible that we may fail want to meet your expectationsknow about it. Contact us using the Contact Details provided at the end of this Disclosure Statement. If for any reason we have not met your expectations, let us know as soon as possible, by calling our main office telephone 0000 000 0000,or write to The Complaints Manager, My Policy Limited, Prospect House, Prospect Road, Halesowen, West Midlands B62 8DU or go to xxx.xxxxxxxx.xx.xx/xxx-xx-xxxxx. If we are been unable to resolve your concerns within 3 working days, we will continue to investigate the matter. We will formally acknowledge the complaint lodged with us, detailing our understanding of your concerns and send you reach a copy of our complaints process to help you understand the next steps in the complaints process as well as the right to refer such concerns to the Financial Ombudsman Service (FOS) for an independent assessment and opinion. Our aim is to act honestly, fairly and professionally and in the interests of customers at all times and keep any complainant (i.e. you or any other parties acting on your behalf) regularly informed about the investigation and give you a final response no later than 8 weeks. If you are not happy with our final response, or the position after a period of 8 weeks, we will tell you about your eligibility to refer the complaint to the Financial Ombudsman Service Even in circumstances where you are not eligible to refer such concerns to the FOS we will attempt to resolve a particular matter promptly through negotiation, if the matter cannot be resolved directly with us (usually with 6 months from the date of receipt of the concern) we will seek the assistance of an independent compliance firm or mediator as might be agreed between us and any complainant or as any parties may agree to try and resolve the matter. The FOS Consumer Helpline is on 0800 023 4567 (free for people phoning from a "fixed line" (for example, a landline at home) or 0000 000 0000 (free for mobile-phone users paying monthly charge for calls to No’s starting 01 or 02). Alternativelyresolution, you can ask for independent help from the Insurance and Financial Services Ombudsman (IFSO). FNL is a member of the IFSO Dispute Resolution Scheme. For more information about this service, please visit: xxxxx://xxx.xxxx.xx. You can also contact them by phone on 0000 000 000, or by post at Financial Ombudsman ServiceXX Xxx 00-000, Exchange TowerXxxxxxxxxx 0000, Harbour Exchange Square, London, E14 9SR. xxx.xxxxxxxxx-xxxxxxxxx.xxx.xxXxx Xxxxxxx.