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 ▇▇▇▇ ▇▇▇ ▇▇▇▇,or write to The Complaints Manager, My Policy Limited, Prospect House, Prospect Road, Halesowen, West Midlands B62 8DU or go to ▇▇▇.▇▇▇▇▇▇▇▇.▇▇.▇▇/▇▇▇-▇▇-▇▇▇▇▇. 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 ▇▇▇▇ ▇▇▇ ▇▇▇▇ (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. ▇▇▇.▇▇▇▇▇▇▇▇▇-▇▇▇▇▇▇▇▇▇.▇▇▇.▇▇

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 ▇▇▇▇ ▇▇▇ ▇▇▇▇,or write to The Complaints Manager, My Policy Limited, Prospect House, Prospect Road, Halesowen, West Midlands B62 8DU or go to ▇▇▇.▇▇▇▇▇▇▇▇.▇▇.▇▇/▇▇▇-▇▇-▇▇▇▇▇. 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 ▇▇▇▇ ▇▇▇ ▇▇▇▇ (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. ▇▇▇If 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 We will tell 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 about your right to cancel policies for or withdraw from a contract with a product provider before you fill in 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 sectionapplication form. We are only able will remind you of these rights to cancel a policy from the date of receiving the requestor withdraw in writing before any transaction is completed. We aim will also let you know if this right to process refunds promptly and cancel does not exist for an application if, by law, the company has to complete the transaction as soon as practicablethey receive the application. You will not If you want to register a complaint, please write to us at the address given at the head of this document or telephone us on ▇▇▇ ▇▇▇▇ ▇▇▇▇. A summary of our procedures for handling complaints is available on request. If we are unable to settle your complaint to your satisfaction, you may be entitled to a refund if you have made a claim (this will typically vary and is subject refer it 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 forwardedFinancial Ombudsman Service at: Exchange Tower, London E14 9SR. 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 Telephone: ▇▇▇▇ ▇▇▇ ▇▇▇▇,or write to The Complaints Manager, My Policy Limited, Prospect House, Prospect Road, Halesowen, West Midlands B62 8DU or go to ▇▇▇.▇▇▇▇▇▇▇▇.▇▇.▇▇/▇▇▇-▇▇-▇▇▇▇▇. 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 ▇▇▇▇ ▇▇▇ ▇▇▇▇ (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. ▇▇▇.▇▇▇▇▇▇▇▇▇-Website: www.financial- ▇▇▇▇▇▇▇▇▇.▇▇▇.▇▇”. We are covered by the FSCS. You may be entitled to compensation from this scheme if this firm ceases to trade and as a result of our advice you have suffered a financial loss. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim, without any upper limit. Mortgage advising and arranging is covered up to a maximum limit of £85,000. Further information about compensation scheme arrangements is available from the FSCS. General Data Protection Regulation (GDPR) came into effect 25th May 2018. Please refer to our Privacy Notice which has been issued to you separately which details what data we collect and store and how we process it. We are required by the anti-money laundering regulations to verify the identity of our clients, to obtain information as to the purpose and nature of the business which we conduct on their behalf, and to ensure that the information we hold is up-to-date. For this purpose we may use electronic identity verification systems and we may conduct these checks from time to time throughout our relationship, not just at the beginning.

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 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 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 receiving the request. We aim to process refunds promptly your rights 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 obligations in connection with the agreed payments until the refund is received by the finance company and right 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 expectationscancel. If for any reason we have not met there is anything about your expectations, let us know as soon as possible, by calling our main office telephone rights or obligations under the Credit Contracts and Consumer Finance ▇▇▇ ▇▇▇▇ that you do not understand, if there is a dispute about your rights, or if you think that the Creditor is being unreasonable in any way, you should seek legal advice immediately. Right to apply for relief The Credit Contracts and Consumer Finance ▇▇▇ ▇▇▇▇ gives you a right to apply for a change to this Agreement in certain circumstances. These circumstances include if you are 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 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 specified period; or (c) the term of this Agreement was extended and the dates on which payments are due are postponed for a specified period. The Creditor will then consider your application and may agree to 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 reasonable to both you and the Creditor. You 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 ▇▇▇ ▇▇▇▇,; or write (ii) have failed to The Complaints Managermake 4 or more consecutive periodic payments by or on the due dates; or (iii) have been in default for 2 months or more, My Policy Limitedunless you have remedied the default; or (b) it was reasonably foreseeable to you, Prospect Houseat the time this Agreement was made, Prospect Roadthat you would be unlikely to be able to meet your obligations under the Agreement because of the illness, Halesowenthe injury, West Midlands B62 8DU or go to ▇▇▇.▇▇▇▇▇▇▇▇.▇▇.▇▇/▇▇▇-▇▇-▇▇▇▇▇. If we are unable to resolve your concerns within 3 working daysthe loss of employment, we will continue to investigate the matter. We will formally acknowledge end of 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 responserelationship, or the position after other reasonable cause; or (c) you have made a period of 8 weeks, we will tell you about your eligibility 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 refer consider the complaint application. How to apply for relief An application for a change must: (a) be in writing; (b) be given to the Financial Ombudsman Service Even in circumstances where you are not eligible to refer such concerns to Creditor; and (c) specify 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) or ▇▇▇▇ for your inability to meet your obligations under this Agreement. Registration under Financial Service Providers (Registration and Dispute Resolution) ▇▇▇ ▇▇▇▇ Pursuant to regulation 10 of the Financial Service Providers (free for mobile-phone users paying monthly charge for calls Exemptions) Regulations 2010, [Dealer Name] trading as [Dealer Trading Name] is not required to No’s starting 01 or 02). Alternatively, you can contact them at be registered under the Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London, E14 9SR. Service Providers (Registration and Dispute Resolution) ▇▇▇ ▇▇▇.▇. 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 ▇▇▇▇▇ ▇, ▇▇▇▇▇▇ ▇▇▇▇▇, ▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇▇▇▇-▇ ▇▇▇▇ ▇▇▇▇://▇▇▇.▇▇▇▇.▇▇▇.▇▇

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 ▇▇▇▇ ▇▇▇ ▇▇▇▇,, or write to The Complaints Manager, My Policy Limited, Prospect House, Prospect Road, Halesowen, West Midlands B62 8DU or go to ▇▇▇.▇▇▇▇▇▇▇▇.▇▇.▇▇/▇▇▇-▇▇-▇▇▇▇▇. 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 ▇▇▇▇ ▇▇▇ ▇▇▇▇ (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 Tower▇▇▇▇▇▇▇▇ ▇▇▇▇▇, Harbour Exchange Square▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇, London▇▇▇▇▇▇, E14 9SR▇▇▇ ▇▇▇. ▇▇▇.▇▇▇▇▇▇▇▇▇-▇▇▇▇▇▇▇▇▇.▇▇▇.▇▇

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 ▇▇▇▇ ▇▇▇ ▇▇▇▇,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 ▇▇▇.▇▇▇▇▇▇▇▇.▇▇.▇▇/▇▇▇-▇▇-▇▇▇▇▇statements 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 ▇▇▇▇ ▇▇▇ ▇▇▇▇ (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. ▇▇▇.▇▇▇▇▇▇▇▇▇-▇▇▇▇▇▇▇▇▇.▇▇▇.▇▇follows: 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 ▇▇▇▇ ▇▇▇ ▇▇▇▇,or write to The Complaints Manager, My Policy Limited, Prospect House, Prospect Road, Halesowen, West Midlands B62 8DU or go to ▇▇▇.▇▇▇▇▇▇▇▇.▇▇.▇▇/▇▇▇-▇▇-▇▇▇▇▇. 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 ▇▇▇▇ ▇▇▇ ▇▇▇▇ (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. ▇▇▇There 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 Under the Consumer Contracts Regulations 2013 (the “Regulations”), if you are a purchasing the Services (or any goods) as a consumer (as defined in section 4 of the Regulations), you have specific rights to cancel this Agreement with us if without giving any reason. This is commonly referred to as the “Cooling Off Period”:- You must provide to us a clear and unambiguous statement that you wish to cancel (eg. a letter sent by post, a fax or an email). Our preference is to receive this in writing to our main contact office using the cancellation form template shown at Appendix 1 (the “Cancellation Notice”). You have up to fourteen (14) calendar days after you placed your Order for Services with us to change your mind and cancel your Order. Within this period if we have, with your explicit agreement, already delivered Services (including Account set-up, Activation, Installation and Monthly Service charges) we are entitled to charge you for the Services already delivered up to the point of cancellation. Where you have purchased goods (eg. purchased any policy part of the Equipment outright), you have the right to choose to return those goods up to fourteen (14) calendar days after you receive the goods. If you have paid any specific delivery charges for goods that you have purchased, you will still be liable for them. Where the Equipment has been delivered to you and/or any relevant part of the Service has been activated or commenced within 14 days from your Order data, you will be liable for any Charges associated with any Services provided to you up to the point of cancellation including any Activation and Account Set-Up Charges, Installation Charges and Monthly Service Charges. All valid Charges will be deducted from any refunds due to you. If you cancel your Order after any some or all of the Equipment has been delivered to you will be liable for any reasonable Charges associated with the costs of packaging and return delivery to us or, if requested in writing by you, our de-installation and collection of any installed Equipment for which we will provide you with a written quotation. As we may offer promotional subsidies or special offers on the Equipment or our Installation Charges, the collection or de-installation charges may be more than you paid for initial delivery or installation. Our current Collection Charge for the Equipment and our full price Installation/De-installation Charges can be requested in writing at any time. Any agreed charges that we incur will be deducted from any refunds that may be due to you. You are responsible for returning all of the Equipment that we have arranged for requested within 14 days from the date of cancellation. When all of the Equipment is received by us at our head office, we will promptly test and inspect the Equipment. All items of Equipment purchased by you and used will incur a 20% impairment charge. In addition, any Equipment reasonably deemed by us to be damaged, de-faced or in any other way faulty taking into account the age of the Equipment, such fault not arising through our liability or by way of Equipment failure, we will raise a Charge equivalent to the reduction in value of the impaired Equipment whether by way of replacement or repair, whichever is the lower plus our reasonable administration costs. We will provide you with a final invoice detailing all refunds due to you, any Charges arising from the cancellation as set-out above and the net balance payable to you or due to us. Customers acting outside their trade We will either collect any sums due to us or profession (Consumers) will usually have a legal right refund any balance due to cancel policies for any reason you within 14 days of receiving completing our inspection of 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 Equipment (or from the date that you provide proof of receiving delivery). In the request. We aim event that there is a net balance due to process refunds promptly and as soon as practicable. You will not be entitled to a refund if us, we may use any method of payment that you have made a claim (this will typically vary and is subject previously provided 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 us including Debit 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 ▇▇▇▇ ▇▇▇ ▇▇▇▇,or write to The Complaints Manager, My Policy Limited, Prospect House, Prospect Road, Halesowen, West Midlands B62 8DU or go to ▇▇▇Credit Card instruction.▇▇▇▇▇▇▇▇.▇▇.▇▇/▇▇▇-▇▇-▇▇▇▇▇. 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 ▇▇▇▇ ▇▇▇ ▇▇▇▇ (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. ▇▇▇.▇▇▇▇▇▇▇▇▇-▇▇▇▇▇▇▇▇▇.▇▇▇.▇▇

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 ▇▇▇▇ ▇▇▇ ▇▇▇▇,, or write to The Complaints Manager, My Policy Limited, Prospect House, Prospect Road, Halesowen, West Midlands B62 8DU or go to ▇▇▇.▇▇▇▇▇▇▇▇.▇▇.▇▇/▇▇▇-▇▇-▇▇▇▇▇. 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 ▇▇▇▇ ▇▇▇ ▇▇▇▇ (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 Tower▇▇▇▇▇▇▇▇ ▇▇▇▇▇, Harbour Exchange Square▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇, London▇▇▇▇▇▇, E14 9SR▇▇▇ ▇▇▇. ▇▇▇.▇▇▇▇▇▇▇▇▇-▇▇▇▇▇▇▇▇▇.▇▇▇.▇▇

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 any policy that we have arranged for youcancel, you must inform us by a clear statement made by letter sent in the post, by email or on the telephone. Customers acting outside their trade or profession (Consumers) will usually have a legal right The easiest way 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, is by sending us an administration charge will apply as shown in the charges section. We are only able email 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 ▇▇▇▇ ▇▇▇ ▇▇▇▇,or write to The Complaints Manager, My Policy Limited, Prospect House, Prospect Road, Halesowen, West Midlands B62 8DU or go to ▇▇▇.▇▇@▇▇▇▇▇▇▇▇▇▇.▇▇.▇▇/▇▇▇. 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. If we are unable to resolve your concerns within 3 working daysAs a result, we will continue typically ask you to investigate expressly instruct us to start the matterinstallation 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 incurred up to your cancellation which could mean you paying 100% of the agreed price. 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 this Contract for a full refund if there is an unreasonable delay in the installation 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 formally acknowledge the complaint lodged with us, detailing our understanding of your concerns and send you attempt to keep these costs to 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 weeksminimum. If you are not happy with our final response, have paid us a deposit or the position after a period of 8 weeksany advance payments, we may retain all or part of these payments as a contribution. If the goods or services are incorrectly described or not fit for purpose then you will tell be entitled to cancel this Contract, request a repair or replacement or you about your eligibility may be entitled 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 request compensation. You 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 entitled to seek the assistance of an independent compliance firm or mediator as might be remedies in this paragraph if you have changed your mind about the goods and 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 ▇▇▇▇ ▇▇▇ ▇▇▇▇ (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. ▇▇▇to.▇▇▇▇▇▇▇▇▇-▇▇▇▇▇▇▇▇▇.▇▇▇.▇▇

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 acquires on your specific policy terms and conditionsbehalf) 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 physical possession of the premium vehicle. To exercise the right to cancel, you paid. Our aim is always to provide all our customers with must inform us (The Ashdown Garage Workshops Limited, t/a first-class service; howeverMunich Legends, we are aware thatAshdown Garage, occasionallyLewes Rd, it is possible that we may fail to meet your expectations. If for any reason we have not met your expectationsChelwood Gate, let us know as soon as possibleHaywards Heath RH17 7DE, by calling our main office telephone United Kingdom, Tel: +▇▇ (▇)▇▇▇▇ ▇▇▇ ▇▇▇▇,or write to The Complaints Manager, My Policy Limited, Prospect House, Prospect Road, Halesowen, West Midlands B62 8DU or go to E-mail: ▇▇▇.▇▇@▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇.▇▇/▇▇▇-▇▇-▇▇▇▇▇. 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 decision to cancel this contract by 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" clear statement (for example, by a landline at home) letter sent by post, or ▇▇▇▇ ▇▇▇ ▇▇▇▇ (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. ▇▇▇We 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 have a right to cancel this Agreement within a period of fourteen days commencing on the date on which this Agreement is concluded or the date on which you receive this Agreement (whichever is later) (the “Cancellation Period”). Should you wish to cancel any policy that we have arranged for you. Customers acting outside their trade or profession (Consumers) will usually have this Agreement within the Cancellation Period, you should send a legal right notice in writing 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 following address: ▇▇ ▇▇▇▇ ▇▇▇ ▇▇▇▇,or write to The Complaints Manager▇, My Policy Limited, Prospect House, Prospect Road, Halesowen, West Midlands B62 8DU or go to ▇▇ ▇▇, ▇.▇▇▇▇▇▇▇▇.▇▇.▇▇/▇▇▇-▇▇-▇▇▇▇▇. 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 ▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇ (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. ▇▇▇.United Kingdom, Postcode SW1P 2BP, or electronically to the following email address: ▇▇▇▇▇▇▇▇▇-▇▇@▇▇▇▇▇▇▇.▇▇▇. Canceling this Agreement within the Cancellation Period will not cancel any Transaction entered into by you during the Cancellation Period. If you fail to cancel this Agreement within the Cancellation Period you will be bound by its terms but you may terminate this Agreement in accordance with clause 18 (Termination without Default). NON ADVISED EXECUTION ONLY Gloffix deals on an execution only basis and do not advise on the merits of particular Transactions, or their taxation consequences. OWN JUDGMENT AND SUITABILITY Without prejudice to our foregoing obligations, in asking us to enter into any Transaction, you represent that you have been solely responsible for making your own independent appraisal and investigations into the risks of the Transaction. You represent that you have sufficient knowledge, market sophistication, professional advice, and experience to make your own evaluation of the merits and risks of any Transaction and that you have read and accepted the Risk Disclosure Statement and guidelines in relation to the financial instruments and the markets which are available in our websites. We give you no warranty as to the suitability of the products traded under this Agreement and assume no fiduciary duty in our relations with you. You assume all responsibility in relation to any investment strategy, transaction or investment, tax costs, and for any consequences brought by from any transaction that you perform and Gloffix shall not be held responsible nor you shall rely on the Company for the aforementioned.▇▇

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, we may not have to consider your application. We may be required to provide you with regular disclosure statements. The statements will give you information about your account. If we are 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 calling making the required information available on our main office telephone 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 any disagreements you have with us. Contact details of dispute resolution scheme are as follows: Phone: ▇▇▇▇ ▇▇▇ ▇▇▇ Website: ▇▇,or write to The Complaints Manager, My Policy Limited, Prospect House, Prospect Road, Halesowen, West Midlands B62 8DU or go to ▇▇://▇▇▇.▇▇▇▇.▇▇ Business address: Level ▇▇▇▇.▇▇.▇▇/▇, ▇▇-▇▇-▇ ▇▇▇▇▇. 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 ▇▇▇▇ ▇▇▇ ▇▇▇▇ (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. ▇▇▇.▇▇▇▇▇▇▇▇▇, Wellington 6011 Page 7 Copyright Co-▇▇▇▇▇▇▇▇▇.▇▇▇.▇▇op Money NZ 17624927

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 ▇▇▇▇ ▇▇▇ ▇▇▇▇,or write to The Complaints Manager, My Policy Limited, Prospect House, Prospect Road, Halesowen, West Midlands B62 8DU or go to ▇▇▇.▇▇▇▇▇▇▇▇.▇▇.▇▇/▇▇▇-▇▇-▇▇▇▇▇. 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 ▇▇▇▇ ▇▇▇ ▇▇▇▇ (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. ▇▇▇contract.▇▇▇▇▇▇▇▇▇-▇▇▇▇▇▇▇▇▇.▇▇▇.▇▇

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 ▇▇▇▇ ▇▇▇ ▇▇▇▇,, or write to The Complaints Manager, My Policy Limited, Prospect House▇▇▇▇▇▇▇▇ ▇▇▇▇▇, Prospect Road▇▇▇▇▇▇▇▇ ▇▇▇▇, Halesowen▇▇▇▇▇▇▇▇▇, West Midlands B62 8DU ▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇ ▇▇▇ or go to ▇▇▇.▇▇▇▇▇▇▇▇.▇▇.▇▇/▇▇▇-▇▇-▇▇▇▇▇. 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 ▇▇▇▇ ▇▇▇ ▇▇▇▇ (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 Tower▇▇▇▇▇▇▇▇ ▇▇▇▇▇, Harbour Exchange Square▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇, London▇▇▇▇▇▇, E14 9SR▇▇▇ ▇▇▇. ▇▇▇.▇▇▇▇▇▇▇▇▇-▇▇▇▇▇▇▇▇▇.▇▇▇.▇▇▇ 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 ‌ (a) Under the Consumer Contracts Regulations 2013 (the “Regulations”), if you are purchasing the Services (or any goods) as a consumer (as defined in section 4 of the Regulations), you have specific rights to cancel this Agreement with us if without giving any reason. This is commonly referred to a the “Cooling Off Period”:- a. You must provide to us a clear and unambiguous statement that you wish to cancel (eg. a letter sent by post or an email). Our preference is to receive this in writing to our main contact office using the cancellation form template shown at Appendix 1 (the “Cancellation Notice”). b. You have up to fourteen (14) calendar days after you placed your Order for Services with us to change your mind and cancel your Order. Within this period if we have, with your explicit agreement, already delivered Services (including Account set-up, Activation, Installation and Monthly Service charges) we are entitled to charge you for the Services already delivered up to the point of cancellation. c. Where you have purchased goods (eg. purchased any policy part of the Equipment outright), you have the right to choose to return those goods up to fourteen (14) calendar days after you receive the goods. If you have paid any specific delivery charges for goods that you have purchased, we will be liable to refund you our standard delivery charge only in the event that you selected a delivery methodthat was at a higher price to our standard delivery charge. (b) Where the Equipment has been delivered to you and/or any relevant part of the Service has been activated or commenced within 14 days from your Order data, you will be liable for any Charges associated with any Services provided to you up to the point of cancellation including any Activation and Account Set-Up Charges, Installation Charges and Monthly Service Charges. All valid Charges will be deducted from any refunds due to you. (c) If you cancel your Order after any, some or all of the Equipment has been delivered to you will be liable for any reasonable Charges associated with the costs of packaging and return delivery to us or, if requested in writing by you, our de-installation and collection of any installed Equipment for which we will provide you with a written quotation. As we may offer promotional subsidies or special offers on the Equipment or our Installation Charges, the collection or de-installation charges may be more than you paid for initial delivery or installation. Our current Collection Charge for the Equipment and our full price Installation/De-installation Charges can be requested in writing at any time. Any agreed charges that we incur will be deducted from any refunds that may be due to you. (d) You are responsible for returning all of the Equipment that we have arranged for requested within 14 days from the date of cancellation. When all of the Equipment is received by us at our head office, we will promptly test and inspect the Equipment. All items of Equipment purchased by you and used will incur a 20% impairment charge. In addition, any Equipment reasonably deemed by us to be damaged, de-faced or in any other way faulty taking into account the age of the Equipment, such fault not arising through our liability or by way of Equipment failure, we will raise a Charge equivalent to the reduction in value of the impaired Equipment whether by way of replacement or repair, whichever is the lower plus our reasonable administration costs. (e) We will provide you with a final invoice detailing all refunds due to you, any Charges arising from the cancellation as set-out above and the net balance payable to you or due to us. Customers acting outside their trade We will either collect any sums due to us or profession (Consumers) will usually have a legal right refund any balance due to cancel policies for any reason you within 14 days of receiving completing our inspection of 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 Equipment (or from the date that you provide proof of receiving delivery). In the request. We aim event that there is a net balance due to process refunds promptly and as soon as practicable. You will not be entitled to a refund if us, we may use any method of payment that you have made a claim (this will typically vary and is subject previously provided 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 us including Debit 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 ▇▇▇▇ ▇▇▇ ▇▇▇▇,or write to The Complaints Manager, My Policy Limited, Prospect House, Prospect Road, Halesowen, West Midlands B62 8DU or go to ▇▇▇Credit Card instruction.▇▇▇▇▇▇▇▇.▇▇.▇▇/▇▇▇-▇▇-▇▇▇▇▇. 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 ▇▇▇▇ ▇▇▇ ▇▇▇▇ (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. ▇▇▇.▇▇▇▇▇▇▇▇▇-▇▇▇▇▇▇▇▇▇.▇▇▇.▇▇

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 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, the agreed payments until end of a relationship, or other reasonable cause, you may be able to apply to FNL for a hardship variation. To apply for a hardship variation, you can send to us a request in writing. Your request needs to include the refund is received by the finance company reason(s) for your request 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 your preference for an extension of the premium you paidloan term, postponement of the dates of some of your payments, or both. 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 Contact us know as soon as possible, by calling our main office telephone . You can call us on ▇▇▇▇ ▇▇ ▇▇ ▇▇ or visit ▇▇▇▇,or write to The Complaints Manager, My Policy Limited, Prospect House, Prospect Road, Halesowen, West Midlands B62 8DU or go to ▇://▇▇▇.▇▇▇▇▇▇▇▇▇▇.▇▇.▇▇/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 have to consider your application. If you are unhappy with the outcome of an experience with FNL, we want to know about it. Contact us using the Contact Details provided at the end of this Disclosure Statement. If for any reason we have been unable to reach a resolution, 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: ▇▇▇▇▇://▇▇▇.▇▇▇▇.▇▇. 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 You can also contact them by phone 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 ▇▇▇▇ ▇▇▇ ▇▇▇, or by post at ▇▇ (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. ▇▇▇., ▇▇▇▇▇▇▇▇▇-▇ ▇▇▇▇, ▇▇▇ ▇▇▇▇▇▇▇.▇▇▇.▇▇

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 ▇▇▇▇ ▇▇▇ ▇▇▇▇,, or write to The Complaints Manager, My Policy Limited, Prospect House, Prospect Road, Halesowen, West Midlands B62 8DU or go to ▇▇▇.▇▇▇▇▇▇▇▇.▇▇.▇▇/▇▇▇-▇▇-▇▇▇▇▇. 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 ▇▇▇▇ ▇▇▇ ▇▇▇▇ (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 Tower▇▇▇▇▇▇▇▇ ▇▇▇▇▇, Harbour Exchange Square▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇, London▇▇▇▇▇▇, E14 9SR▇▇▇ ▇▇▇. ▇▇▇.▇▇▇▇▇▇▇▇▇-▇▇▇▇▇▇▇▇▇.▇▇▇.▇▇

Right to Cancel. Please contact us if Full details of any financial products we recommend to you wish will be provided in the relevant product information you will receive. This will include information about any product cancellation rights along with any other early termination rights and penalties. We will remind you of these rights to cancel or withdraw in writing before any policy that we have arranged for youtransaction is completed. Customers acting outside their trade or profession (Consumers) We will usually have a legal also let you know if this right to cancel policies does not exist for an application if, by law, the company has to complete the transaction as soon as they receive the application. This agreement will stay in force until you or we end it or until you or we ask to change it. You or we may terminate this agreement at any reason within 14 days time, without penalty. If you want to end the agreement, notice of receiving the full terms & conditions. A charge termination must be given in writing 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 take effect from the date of receiving the requestreceipt. We aim Any transactions already initiated will be completed according to process refunds promptly and as soon as practicablethis agreement unless otherwise agreed in writing. You will be liable to pay for any services we have provided before cancellation and any outstanding fees, if applicable. From time to time it may be necessary to amend the terms set out in this agreement where it’s not be entitled necessary to issue a refund if new agreement. If this is the case we’ll write to you with details of the changes at least 28 business days before the changes are implemented. We are not permitted to handle client money and we cannot accept a cheque made payable to us (unless it is payment in settlement of adviser charges or disbursements for which we have made a claim (this will typically vary and is subject to your specific policy terms and conditionssent you an invoice) or handle cash. 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 our advice or 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 aspect 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; howeverservices, we are aware that, occasionally, it is possible that we may fail encourage you to meet your expectations. If for any reason we have not met your expectations, let contact us know as soon as possible, by calling . We’ll do our main office telephone best to resolve your concerns.  Telephone: ▇▇▇▇ ▇▇▇ ▇▇▇▇,or write to The Complaints Manager, My Policy Limited, Prospect House, Prospect Road, Halesowen, West Midlands B62 8DU or go to ▇▇  Email: ▇▇▇.▇▇▇@▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇.▇▇/▇  In writing: The Complaints Officer. ▇▇▇-▇▇-▇▇▇ ▇▇▇▇▇▇ LLP, 5A Valley Industries, ▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇▇▇▇. 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 have a complaints procedure and we can provide further details on request. If you do have a complaint, and you are not happy with usour response, 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 may be able 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 matterhelp. The FOS Consumer Helpline is on 0800 023 4567 (free for people phoning from a "fixed line" (for example, a landline settles disputes between financial services business and their clients. Full details are available at home) or ▇▇▇▇ ▇▇▇ ▇▇▇▇ (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. ▇▇▇.▇▇▇▇▇▇▇▇▇-▇▇▇▇▇▇▇▇▇.▇▇▇.▇▇.

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 ▇▇▇▇ ▇▇▇ ▇▇▇▇,, or write to The Complaints Manager, My Policy Limited, Prospect House▇▇▇▇▇▇▇▇ ▇▇▇▇▇, Prospect Road▇▇▇▇▇▇▇▇ ▇▇▇▇, Halesowen▇▇▇▇▇▇▇▇▇, West Midlands B62 8DU ▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇ ▇▇▇ or go to ▇▇▇.▇▇▇▇▇▇▇▇.▇▇.▇▇/▇▇▇-▇▇-▇▇▇▇▇. 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 ▇▇▇▇ ▇▇▇ ▇▇▇▇ (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 Tower▇▇▇▇▇▇▇▇ ▇▇▇▇▇, Harbour Exchange Square▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇, London▇▇▇▇▇▇, E14 9SR▇▇▇ ▇▇▇. ▇▇▇.▇▇▇▇▇▇▇▇▇-▇▇▇▇▇▇▇▇▇.▇▇▇.▇▇

Right to Cancel. Please contact To cancel this Agreement you must notify us if you wish in writing within 30 days of signing. Any deposits will not be returned but may be applied to cancel future orders (net of any policy 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 we have arranged for youalready been packed are subject to a 25% restocking fee. Customers acting outside their trade or profession (Consumers) will usually have a legal Custom orders cannot be canceled. We reserve the right to cancel policies for any reason orders or terminate relationships at our sole discretion, at which point your deposit will be returned within 14 days of receiving the full terms & conditionsthirty (30) days. A charge SHIPPING: When your order is nearing completion, we will apply for the period of cover provided andnotify you prior to shipment. All shipping charges are F.O.B. (Free on Board) Los Angeles County, in addition, an administration charge California. Shipping charges will apply as shown in the charges section. We are only able be added to cancel a policy from the date of receiving the request. We aim your invoice prior to process refunds promptly and as soon as practicableshipping. You will not be entitled should inspect all items for damage prior to a refund if you have made a claim (this will typically vary and is subject to signing. Signature of receipt by 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 agent or employee constitutes full acceptance of all packages stated on 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 ▇▇▇▇ ▇▇▇ 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 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 can direct ship to your customers, in which case acceptance of packages by your customer will be considered acceptance by you. 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 defective goods, and (c) 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 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 been attempted by any person without our consent. Our limited warranty is limited to 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 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 receipt, you must (a) SAVE ALL PACKAGING UNTIL CLAIM IS RESOLVED and (b) email ▇▇▇▇,or write to The Complaints Manager, My Policy Limited, Prospect House, Prospect Road, Halesowen, West Midlands B62 8DU or go to @▇▇▇.▇▇▇▇▇▇▇▇.▇▇.▇▇/▇▇▇-▇▇-▇▇▇▇▇. 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 ▇▇▇▇ ▇▇▇ ▇▇▇▇ (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. ▇▇▇.▇▇▇▇▇▇▇▇▇-▇▇▇▇▇▇▇▇▇.▇▇▇.▇ or call ▇▇▇-▇▇▇-▇▇▇▇ 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 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 whether to accept returns of merchandise. You will not receive any reimbursement for items returned without our prior authorization. Returned items must be in their original condition and packaging, and you shall prepay and be liable for all charges in connection with the shipping of returned goods, including insurance. A 25% restocking fee will be applied to all approved returns that are not 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 date of receiving the request. We aim should be in writing and submitted 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 ▇▇▇▇ ▇▇▇ at ▇▇▇▇,or write to The Complaints Manager, My Policy Limited, Prospect House, Prospect Road, Halesowen, West Midlands B62 8DU or go to ▇▇▇.▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇.▇▇/▇▇▇-▇▇-▇▇▇▇▇. If we are unable to resolve your concerns within 3 working days, we ▇ The cancellation date 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 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 ▇▇▇▇ ▇▇▇ ▇▇▇▇ (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. ▇▇▇.services provided by ▇▇▇▇▇▇▇▇▇-▇▇▇▇.▇▇▇ as described on their website I appoint ▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ to act as my buying agent to source and acquire a suitable property on my behalf I instruct ▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ to act on my behalf during any property negotiations with any vendors or their agents I permit ▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ to discuss the transaction details of any property 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 ▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ 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 ▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ liable for any purchase decisions I make I agree not to hold ▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ 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 ▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ I agree not to hold ▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ 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 comply as necessary I agree to provide ▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ with any necessary personal information required for property purchase or money laundering checks I agree that ▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ reserve the right to withdraw their service at any time by providing written notice I understand and agree that any termination of services from ▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ or any of it’s subsidiaries will be provided in writing I have read and agree to ▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇’s User Agreement and Privacy Policy as show on their website Where ▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ 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 ▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ 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 be terminated at any time by either party giving two weeks notice in writing. ▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ 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 ▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ at no additional cost to you. ▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ fees are calculated as a percentage (%) of the purchase price. As ▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ fees are based on a percentage of the purchase price, should this be higher or lower than the sales asking price, ▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ fees will be correspondingly higher or lower. For 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 ▇▇▇▇ ▇▇▇ ▇▇▇▇,or write to The Complaints Manager, My Policy Limited, Prospect House, Prospect Road, Halesowen, West Midlands B62 8DU or go to ▇▇▇.▇▇▇▇▇▇▇▇.▇▇.▇▇/▇▇▇-▇▇-▇▇▇▇▇. 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 ▇▇▇▇ ▇▇▇ ▇▇▇▇ (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. ▇▇▇.▇▇▇▇▇▇▇▇▇-▇▇▇▇▇▇▇▇▇.▇▇▇.▇▇

Right to Cancel. Please contact us (a) Under the Consumer Contracts Regulations 2013 (the “Regulations”), if you wish are purchasing the Services (or any goods) as a consumer (as defined in section 4 of the Regulations), you have specific rights to cancel this Agreement with us without giving any policy reason. This is commonly referred to a the “Cooling Off Period”:- a. You must provide to us a clear and unambiguous statement that you wish tocancel (eg. a letter sent by post or an email). Our preference is to receive this in writing to our main contact office using the cancellation form template shown at Appendix 1 (the “Cancellation Notice”). b. You have up to fourteen (14) calendar days after you placed your Order for Services with us to change your mind and cancel your Order. Within this period if we have, with your explicit agreement, already delivered Services (including Account set-up, Activation, Installation and Monthly Service charges) we are entitled to charge you for the Services already delivered up to the point of cancellation. c. Where you have purchased goods (eg. purchased any part of the Equipment outright), you have the right to choose to return those goods up to fourteen (14) calendar days after you receive the goods. If you have paid any specific delivery charges for goods that you have purchased, we will be liable to refund you our standard delivery charge only in the event that you selected a delivery method that was at a higher price to our standard delivery charge. (b) Where the Equipment has been delivered to you and/or any relevant part of the Service has been activated or commenced within 14 days from your Order data, you will be liable for any Charges associated with any Services provided to you up to the point of cancellation including any Activation and Account Set-Up Charges, Installation Charges and Monthly Service Charges. All valid Charges will be deducted from any refunds due to you. (c) If you cancel your Order after any, some or all of the Equipment has been delivered to you will be liable for any reasonable Charges associated with the costs of packaging and return delivery to us or, if requested in writing by you, our de-installation and collection of any installed Equipment for which we will provide you with a written quotation. As we may offer promotional subsidies or special offers on the Equipment or our Installation Charges, the collection or de-installation charges may be more than you paid for initial delivery or installation. Our current Collection Charge for the Equipment and our full price Installation/De-installation Charges can be requested in writing at any time. Any agreed charges that we incur will be deducted from any refunds that may be due to you. (d) You are responsible for returning all of the Equipment that we have arranged for requested within 14 days from the date of cancellation. When all of the Equipment is received by us at our head office, we will promptly test and inspect the Equipment. All items of Equipment purchased by you and used will incur a 20% impairment charge. In addition, any Equipment reasonably deemed by us to be damaged, de-faced or in any other way faulty taking into account the age of the Equipment, such fault not arising through our liability or by way of Equipment failure, we will raise a Charge equivalent to the reduction in value of the impaired Equipment whether by way of replacement or repair, whichever is the lower plus our reasonable administration costs. (e) We will provide you with a final invoice detailing all refunds due to you, any Charges arising from the cancellation as set-out above and the net balance payable to you or due to us. Customers acting outside their trade We will either collect any sums due to us or profession (Consumers) will usually have a legal right refund any balance due to cancel policies for any reason you within 14 days of receiving completing our inspection of 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 Equipment (or from the date that you provide proof of receiving delivery). In the request. We aim event that there is a net balance due to process refunds promptly and as soon as practicable. You will not be entitled to a refund if us, we may use any method of payment that you have made a claim (this will typically vary and is subject previously provided 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 us including Debit 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 ▇▇▇▇ ▇▇▇ ▇▇▇▇,or write to The Complaints Manager, My Policy Limited, Prospect House, Prospect Road, Halesowen, West Midlands B62 8DU or go to ▇▇▇Credit Card instruction.▇▇▇▇▇▇▇▇.▇▇.▇▇/▇▇▇-▇▇-▇▇▇▇▇. 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 ▇▇▇▇ ▇▇▇ ▇▇▇▇ (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. ▇▇▇.▇▇▇▇▇▇▇▇▇-▇▇▇▇▇▇▇▇▇.▇▇▇.▇▇