Common use of Telephone 000 0000 0000 Clause in Contracts

Telephone 000 0000 0000. If, after we have reviewed your complaint, you remain dissatisfied, you have the right to refer your complaint to the Financial Ombudsman Service. Full details of the FOS can be found on its website at: xxxxxxxxx-xxxxxxxxx.xxx.xx, or by calling them on 0800 0234567 or 0300 1239123. A copy of our complaint procedure is available upon request. We will not levy a charge for complaints made against us. If you make a valid claim against us in respect of the investment we arrange for you, and we are unable to meet our liabilities in full, you may be entitled to redress from the Financial Services Compensation Scheme. This depends on the type of business and the circumstances of the claim. Most types of investment business are covered up to a maximum limit of £50,000. Long term insurance (e.g. investment bonds, personal pensions and annuities), pure protection and private medical insurance contracts are covered for up to 100% of the claim, without any upper limit. Protection is at 90% where claims arise under other types of insurance policy with no upper limit. Further information about compensation arrangements is available from the Financial Services Compensation Scheme at xxx.xxxx.xxx.xx or by calling them on 0800 678 1100 or 020 7741 4100. Where we are required to verify your identity in accordance with the FCA rules, no investment will be made until such verification has been obtained. If the required verification is not forthcoming within a reasonable period we will be unable to arrange any investments for you. We may use and search the records of credit reference or fraud prevention agencies to check your identity to satisfy the requirements of the UK Money Laundering Regulation 2007, Proceeds of Crime Xxx 0000 (as amended), the Terrorism Xxx 0000, the Anti-terrorism, Crime and Security Xxx 0000 and FCA rules. Such searches will not affect your credit rating, although they can be seen by anyone reviewing your credit report in the future. By signing this agreement you are consenting to Cumberland Place validating your personal identification and address via these means. Please inform us if this is not acceptable. Your personal information is very important to us. We will endeavour to take all due care to protect this information. We would like to highlight below a few matters relating to your information that you should be aware of. Some services are provided to Cumberland Place Financial Management Ltd by third parties such as processing business or obtaining compliance or regulatory advice, which warrant the disclosure of more than just your basic contact details. You agree that personal information held by Cumberland Place Financial Management Ltd may be disclosed on a confidential basis, and in accordance with the Data Protection Xxx 0000, to any such third parties. You also agree that this information may be transferred electronically, e.g. e-mail and you agree that ourselves, or any such third party, may contact you in future by any means of communication which we consider appropriate at the time. Product Providers, Lenders and Investment Managers may administer your policy, any existing policies you may have with them and provide other services, from centres in countries outside Europe (such as India and the USA) that do not always have the same standard of Data Protection laws as the UK. However, they are required to put a contract in place to ensure that your information is adequately protected, and they will remain bound by their obligations under the Data Protection Act even when your personal information is processed outside Europe.

Telephone 000 0000 0000. If, after we have reviewed your complaint, you remain dissatisfied, you have the right to refer your complaint to the Financial Ombudsman Service. Full details of the FOS can be found on its website at: xxxxxxxxx-xxxxxxxxx.xxx.xx, or by calling them on 0800 0234567 or 0300 1239123. A copy of our complaint procedure is available upon request. We will not levy a charge for complaints made against us. If you make a valid claim against us in respect of the investment we arrange for you, and we are unable to meet our liabilities in full, you may be entitled to redress from the Financial Services Compensation Scheme. This depends on the type of business and the circumstances of the claim. Most types of investment business are covered up to a maximum limit of £50,000. Long term insurance (e.g. investment bonds, personal pensions and annuities), pure protection and private medical insurance contracts are covered for up to 100% of the claim, without any upper limit. Protection is at 90% where claims arise under other types of insurance policy with no upper limit. Further information about compensation arrangements is available from the Financial Services Compensation Scheme at xxx.xxxx.xxx.xx or by calling them on 0800 678 1100 or 020 7741 4100. Where we are required to verify your identity in accordance with the FCA rules, no investment will be made until such verification has been obtained. If the required verification is not forthcoming within a reasonable period we will be unable to arrange any investments for you. We may use and search the records of credit reference or fraud prevention agencies to check your identity to satisfy the requirements of the UK Money Laundering Regulation 2007, Proceeds of Crime Xxx 0000 (as amended), the Terrorism Xxx 0000, the Anti-terrorism, Crime and Security Xxx 0000 and FCA rules. Such searches will not affect your credit rating, although they can be seen by anyone reviewing your credit report in the future. By signing this agreement you are consenting to Cumberland Place validating your personal identification and address via these means. Please inform us if this is not acceptable. Your personal information is very important to us. We will endeavour to take all due care to protect this information. We would like to highlight below a few matters relating to your information that you should be aware of. Some services are provided to Cumberland Place Financial Management Ltd by third parties such as processing business or obtaining compliance or regulatory advice, which warrant the disclosure of more than just your basic contact details. You agree that personal information held by Cumberland Place Financial Management Ltd may be disclosed on a confidential basis, and in accordance with the Data Protection Xxx 0000, to any such third parties. You also agree that this information may be transferred electronically, e.g. e-mail and you agree that ourselves, or any such third party, may contact you in future by any means of communication which we consider appropriate at the time. Product Providers, Lenders and Investment Managers may administer your policy, any existing policies you may have with them and provide other services, from centres in countries outside Europe (such as India and the USA) that do not always have the same standard of Data Protection laws as the UK. However, they are required to put a contract in place to ensure that your information is adequately protected, and they will remain bound by their obligations under the Data Protection Act even when your personal information is processed outside Europe. It may be obligatory for us to share information about your Account(s) with the UK’s and/or other countries’ tax authorities. In such circumstances we may be required to disclose this information about your Account(s) either directly to the respective overseas tax authority or to the UK’s tax authority who may share that information with the appropriate overseas tax authorities. From 2016, HM Revenue & Customs (HMRC) is getting an unprecedented amount of information about people’s overseas accounts, structures, trusts, and investments from more than 100 jurisdictions worldwide, following agreements to increase global tax transparency. If you have already declared all of your past and present income or gains to HMRC, including from overseas, you do not need to worry. But if you are in any doubt, HMRC recommends that you read the “Tax Information Notification” available on request from us to help you decide now what to do next. In accepting this Client Agreement, you agree that we may change the future content without receiving your prior consent to do so but, unless it is impractical to do so, we will not conduct any investment business for you following any change unless we have given you at least 10 business days’ notice, unless it is impractical to do so. You will not be required to sign amended versions of this agreement. A copy of the current agreement will be available on our website. You or we may terminate our authority to act on your behalf at any time, without penalty. If we terminate the contract we will aim to give at least one month’s notice. Notice of this termination must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to these terms of business unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees outstanding, if applicable. English law will be the basis of this contract and the language in which this contact will be interpreted, and in which all communications will be conducted, will be English. The Contracts (Rights of Third Parties) Act 1999 shall not apply to this Client Agreement. This is our standard Client Agreement upon which we intend to rely. For your own benefit and protection you should read these terms carefully before signing them. If you do not understand any point please ask for further information. This agreement will take effect immediately upon being provided to you and will continue to be in force until cancelled by us or you, or is replaced by an updated Client Agreement. Date of Issue: _/ / This Remuneration Schedule is intended to demonstrate how our fee structure works for different services. It is designed to be read in conjunction with the Client Agreement. Specific fees will be agreed at the time of signing your individual contract. We offer our clients various payment options in respect of investment business as set out below:  Payment by Adviser Charge – direct payment to us  Facilitated payment to us by the product provider (where applicable)  Any combination of Adviser Charge and Facilitated Payment.  Investment tranche up to £250,000: 2%  Investment tranche over £250,000: 1%  Investment Amount up to £250,000: 0.95%  Investment Amount from £250,001 to £1,000,000: 0.80%  Investment Amount from £1,000,001 to £4,000,000: 0.70%  Investment Amount from £4,000,001 to £10,000,000: 0.45%  Investment Amount of more than £10,000,000: 0.30% Different products include varying services, which can be seen in our services table at the end of this document. Initial fees are payable on the establishment of any new investment within the portfolio, and annual fees will vary as the investment amount fluctuates. There will usually be third-party costs incurred, such as custodian charges, tax wrappers or underlying investment fund fees. Cumberland Place will disclose these to you in the suitability report. Any discounts or rebates of commission will be passed on to you in full. When undertaking fee-based advice services, we can agree a fixed fee or an hourly rate. If charged by the hour, the following applies (all hourly rates are exclusive of VAT):  Financial Consultant: £250/hour  Technical Support Staff: £125/hour  General Administration: £85/hour We will confirm the fixed fee or hourly rate that we will charge in writing before beginning work. Where you are paying the hourly rate, you may ask us for an estimate of how much in total we might charge, and ask us not to exceed a given amount without checking with you first. Please keep in mind that the type of advice required, as well as personal circumstances, will alter the amount of time needed to provide you with quality financial advice. As such, there is no standard fee. Cumberland Place provides pension transfer advice services which includes advice on defined benefit schemes and whether it is in your interest to transfer or retain such an arrangement. For this service, there is a fixed fee of £500 for the cost of an external actuarially based report and 0.1% (plus VAT) of the transfer value (minimum £1500) for a transfer analysis report. There will be additional fees charged as a percentage of the fund if you ultimately end up transferring. An example of these percentage fees is provided in Schedule 1 above, under the heading ‘Investment Management’. We will confirm the fees that we will charge in writing before beginning work.

Telephone 000 0000 0000. If, after we have reviewed your complaint, you remain dissatisfied, you have the right to refer your complaint to the Financial Ombudsman Service. Full details of the FOS can be found on its website at: xxxxxxxxx-xxxxxxxxx.xxx.xx, or by calling them on 0800 0234567 0000 0000000 or 0300 1239123. A copy of our complaint procedure is available upon request. We will not levy a charge for complaints made against us. If you make a valid claim against us in respect of the investment we arrange for you, and we are unable to meet our liabilities in full, you may be entitled to redress from the Financial Services Compensation Scheme. This depends on the type of business and the circumstances of the claim. Most types of investment business are covered up to a maximum limit of £50,000. Long term insurance (e.g. investment bonds, personal pensions and annuities), pure protection and private medical insurance contracts are covered for up to 100% of the claim, without any upper limit. Protection is at 90% where claims arise under other types of insurance policy with no upper limit. Further information about compensation arrangements is available from the Financial Services Compensation Scheme at xxx.xxxx.xxx.xx or by calling them on 0800 678 1100 0000 000 0000 or 020 7741 4100000 0000 0000. Where we are required to verify your identity in accordance with the FCA rules, no investment will be made until such verification has been obtained. If the required verification is not forthcoming within a reasonable period we will be unable to arrange any investments for you. We may use and search the records of credit reference or fraud prevention agencies to check your identity to satisfy the requirements of the UK Money Laundering Regulation 2007, Proceeds of Crime Xxx 0000 (as amended), the Terrorism Xxx 0000, the Anti-terrorism, Crime and Security Xxx 0000 and FCA rules. Such searches will not affect your credit rating, although they can be seen by anyone reviewing your credit report in the future. By signing this agreement you are consenting to Cumberland Place validating your personal identification and address via these means. Please inform us if this is not acceptable. Your personal information is very important to us. We will endeavour to take all due care to protect this information. We would like to highlight below a few matters relating to your information that you should be aware of. Some services are provided to Cumberland Place Financial Management Ltd by third parties such as processing business or obtaining compliance or regulatory advice, which warrant the disclosure of more than just your basic contact details. You agree that personal information held by Cumberland Place Financial Management Ltd may be disclosed on a confidential basis, and in accordance with the Data Protection Xxx 0000, to any such third parties. You also agree that this information may be transferred electronically, e.g. e-mail and you agree that ourselves, or any such third party, may contact you in future by any means of communication which we consider appropriate at the time. Product Providers, Lenders and Investment Managers may administer your policy, any existing policies you may have with them and provide other services, from centres in countries outside Europe (such as India and the USA) that do not always have the same standard of Data Protection laws as the UK. However, they are required to put a contract in place to ensure that your information is adequately protected, and they will remain bound by their obligations under the Data Protection Act even when your personal information is processed outside Europe.

Telephone 000 0000 0000. If, after we have reviewed your complaint, you remain dissatisfied, you have the right to refer your complaint to the Financial Ombudsman Service. Full details of the FOS can be found on its website at: xxxxxxxxx-xxxxxxxxx.xxx.xx, or by calling them on 0800 0234567 or 0300 1239123. A copy of our complaint procedure is available upon request. We will not levy a charge for complaints made against us. If you make a valid claim against us in respect of the investment we arrange for you, and we are unable to meet our liabilities in full, you may be entitled to redress from the Financial Services Compensation Scheme. This depends on the type of business and the circumstances of the claim. Most types of investment business are covered up to a maximum limit of £50,000. Long term insurance (e.g. investment bonds, personal pensions and annuities), pure protection and private medical insurance contracts are covered for up to 100% of the claim, without any upper limit. Protection is at 90% where claims arise under other types of insurance policy with no upper limit. Further information about compensation arrangements is available from the Financial Services Compensation Scheme at xxx.xxxx.xxx.xx or by calling them on 0800 678 1100 or 020 7741 4100Scheme. Where we are required to verify your identity in accordance with the FCA rules, no investment will be made until such verification has been obtained. If the required verification is not forthcoming within a reasonable period we will be unable to arrange any investments for you. We may use and search the records of credit reference or fraud prevention agencies to check your identity to satisfy the requirements of the UK Money Laundering Regulation 2007, Proceeds of Crime Xxx 0000 (as amended), the Terrorism Xxx 0000, the Anti-terrorism, Crime and Security Xxx 0000 and FCA rules. Such searches will not affect your credit rating, although they can be seen by anyone reviewing your credit report in the future. By signing this agreement you are consenting to Cumberland Place validating your personal identification and address via these means. Please inform us if this is not acceptable. Your personal information is very important to us. We will endeavour to take all due care to protect this information. We would like to highlight below a few matters relating to your information that you should be aware of. Some services are provided to Cumberland Place Financial Management Ltd by third parties such as processing business or obtaining compliance or regulatory advice, which warrant the disclosure of more than just your basic contact details. You agree that personal information held by Cumberland Place Financial Management Ltd may be disclosed on a confidential basis, and in accordance with the Data Protection Xxx 0000, to any such third parties. You also agree that this information may be transferred electronically, e.g. e-mail and you agree that ourselves, or any such third party, may contact you in future by any means of communication which we consider appropriate at the time. Product Providers, Lenders and Investment Managers may administer your policy, any existing policies you may have with them and provide other services, from centres in countries outside Europe (such as India and the USA) that do not always have the same standard of Data Protection laws as the UK. However, they are required to put a contract in place to ensure that your information is adequately protected, and they will remain bound by their obligations under the Data Protection Act even when your personal information is processed outside Europe.

Telephone 000 0000 0000. If, after we have reviewed your complaint, you remain dissatisfied, you have the right to refer your complaint to the Financial Ombudsman Service. Full details of the FOS can be found on its website at: xxxxxxxxx-xxxxxxxxx.xxx.xx, or by calling them on 0800 0234567 0000 0000000 or 0300 1239123. A copy of our complaint procedure is available upon request. We will not levy a charge for complaints made against us. If you make a valid claim against us in respect of the investment we arrange for you, and we are unable to meet our liabilities in full, you may be entitled to redress from the Financial Services Compensation Scheme. This depends on the type of business and the circumstances of the claim. Most types of investment business are covered up to a maximum limit of £50,000. Long term insurance (e.g. investment bonds, personal pensions and annuities), pure protection and private medical insurance contracts are covered for up to 10090% of the claim, without any upper limit. Protection is at 90% where claims arise under other types of insurance policy with no upper limit. Further information about compensation arrangements is available from the Financial Services Compensation Scheme at xxx.xxxx.xxx.xx or by calling them on 0800 678 1100 or 020 7741 4100Scheme. Where we are required to verify your identity in accordance with the FCA rules, no investment will be made until such verification has been obtained. If the required verification is not forthcoming within a reasonable period we will be unable to arrange any investments for you. We may use and search the records of credit reference or fraud prevention agencies to check your identity to satisfy the requirements of the UK Money Laundering Regulation 2007, Proceeds of Crime Xxx 0000 (as amended), the Terrorism Xxx 0000, the Anti-terrorism, Crime and Security Xxx 0000 and FCA rules. Such searches will not affect your credit rating, although they can be seen by anyone reviewing your credit report in the future. By signing this agreement you are consenting to Cumberland Place validating your personal identification and address via these means. Please inform us if this is not acceptable. Your personal information is very important to us. We will endeavour to take all due care to protect this information. We would like to highlight below a few matters relating to your information that you should be aware of. Some services are provided to Cumberland Place Financial Management Ltd by third parties such as processing business or obtaining compliance or regulatory advice, which warrant the disclosure of more than just your basic contact details. You agree that personal information held by Cumberland Place Financial Management Ltd may be disclosed on a confidential basis, and in accordance with the Data Protection Xxx 0000, to any such third parties. You also agree that this information may be transferred electronically, e.g. e-mail and you agree that ourselves, or any such third party, may contact you in future by any means of communication which we consider appropriate at the time. Product Providers, Lenders and Investment Managers may administer your policy, any existing policies you may have with them and provide other services, from centres in countries outside Europe (such as India and the USA) that do not always have the same standard of Data Protection laws as the UK. However, they are required to put a contract in place to ensure that your information is adequately protected, and they will remain bound by their obligations under the Data Protection Act even when your personal information is processed outside Europe.