Common use of YOU FOR OUR SERVICES Clause in Contracts

YOU FOR OUR SERVICES. The method of paying for our services will depend on the type / level of service (s) provided. We will discuss your payment options with you and answer any questions you have. We will agree the basis, frequency and method of any charges with you in writing before we carry out any work that you will be charged for. Examples of the cost of our services are included within the “Services and Costs Disclosure Document”. We will not charge you anything until you have agreed on how much we are to be paid. We will inform you if you have to pay VAT. For our advised services, you will be charged and adviser charge. The actual amount will depend on the service (s) provided to you and the amount will be agreed with you before we carry out any work that we will charge you for. Our “Services and Payments Agreement” that we will issue to you, will contain details of how much you will be charged and how payment is to be made. Our initial advice will be appropriate for you, based on your requirements and circumstances at that time. We will not ensure that any initial advice remains suitable for you at a later date, unless you select to receive ongoing services from us. In addition to our initial advice services, you could ask us to undertake further services on an ongoing basis. Details of any ongoing services that we offer are detailed later within this document. You may at any time cancel an Ongoing Advice Service by serving your notification of cancellation to us in writing. Upon receipt of your cancellation notice for an Ongoing Advice Service we will arrange for any future payment of any associated charges to cease. Our typical adviser charges are noted below. The exact amount may be more or less than this, but will be specifically agreed with you based on the work you ask us to do for you. We will confirm the actual adviser charges in writing within our separate ‘Services & Payment Agreement’, before providing our services to you. If we do not agree a fixed adviser charge with you at outset, you may ask us for an estimate of how much in total we might charge for any service(s) provided. You may also ask us not to exceed a given amount without checking with you first. Before we provide any services to you, we will gather information about your circumstances and needs. We will not make a charge for this. After this we will charge you: For Single Premium and Lump Sum Transfers A one-off ‘adviser charge’ as a percentage of the initial investment amount as follows: £1 - £ 20,000 4.5 % - subject to a minimum of £ 250 £ 20,001 - £ 50,000 3.0 % £ 50,001 - £100,000 2.5 % £100,001 - £150,000 2.0 % £150,001 - £250,000 1.5 % £250,001 and above 1.0 % Example: If you invest a lump sum of £125,000 into a personal pension plan, we would charge an ‘adviser charge’ of 2 % of the amount invested, which would mean an initial ‘adviser charge’ of £ 2500 (£125,000 x 2 % = £ 2500). For Regular Premium Contracts An ‘adviser charge’ based on 42% of the first years regular premium amount subject to a minimum fee of £500. Example: If you contribute £200 a month into a personal pension plan, we would charge 42% of the premium payable for 12 months, which would mean a total initial ‘adviser charge’ of £1008 (£200 x 42% x 12 months = £1008). We will tell you how much the initial ‘adviser charge’ will be before you complete an investment, but you may ask for this information earlier. OR An ‘adviser charge’ based on the amount of time spent, as per the following hourly rates: Financial Adviser £125 Administration £50 Example: If the time take to advise on and/or arrange a suitable product is 5 hours of Financial Advice and 3 hours Administration, we would charge an initial ‘adviser charge’ of £775 (5 x £125 + 3 x £50 = £775) The initial charge can be either deducted from your investment or paid by cheque or BACs Payment for ongoing services There will be an additional charge for any ongoing work, such as periodic or ongoing reviews we carry out on your behalf. We will confirm the rate, frequency and length of any ongoing service(s) before commencing that ongoing service. Ongoing services offered: • Ongoing meetings • Reporting • Investment Reviews • Contact • Administration • Professional services More details on the services we offer will be provided separately. Example: Type of service: Yearly reviews How much our ongoing charges might cost if based on a percentage of fund value: • Based on a fund value of £100,000, an ongoing charge of 0.5 % of this amount would mean that it would cost £500 per annum to provide an ongoing service (£100,000 x 0.5 % = £ 500). If the fund value increases over time, the ongoing charge then increases accordingly. How much our ongoing charges might cost if based on a percentage of regular contributions: • Based on a regular contributions of £250, an ongoing charge of 5% of this amount would mean that it would cost £12.50 per contribution to provide an ongoing service (£250 x 5% = £ 12.50). The frequency of the ongoing charge will depend on the service(s) you choose and can be either deducted from your investment or paid by standing order We will agree what will be charged before any service(s) provided and the amount will be confirmed within our ‘Service & Payment Agreement’. Following on from our non-chargeable initial meeting, if you request additional services or accept any recommendations we have made then you will pay us an adviser charge which will become payable on completion of our work. You will be required to settle the payment of your adviser charge on completion of our work within 14 business days. We accept cheques or BACs payments. We do not accept payment by cash. You will be provided with a receipt upon payment. The option to pay by instalments is only available for the payment of the adviser charge on regular premium products. Payment by instalments does not relate to any ongoing charges payment, which we may charge for providing an ongoing service. If you buy a financial product, you can choose to have your adviser charge deducted from the product through instalments. Although you pay nothing to us up front, that does not mean that our service is free. You still pay us indirectly through deductions from the amount you pay into your product. These deductions will pay towards settling the adviser charge. These deductions could reduce the amount left for investment. How your payment plan works: Total monthly premium payable £250 Total cost of advice £1260 Monthly payment for advice £105 Length of repayment period 12 months Monthly payment: £105 per premium Period: 12 months 🡪 Advice £105 🡪 Invested: £145 If you choose to pay for the advice you receive through instalments, these instalments will be deducted from the premium you pay each month and allocated towards settling the adviser charge. For example, the total cost of advice is £1260. You have been recommended a regular premium product of which £250 will be paid each month. £105 will be taken from this amount to pay off your adviser charge over 12 months. The remaining £145 will be invested during this time. At the end of this period the adviser charge would have been settled in full. From month 13 the full £250 will be invested. If you choose to pay for the advice you receive via instalments, the full amount of the adviser charge will need to be paid irrespective of whether: • the recommended product(s) is /are cancelled before the full amount is paid; and/or • you subsequently decide to transfer your business to another firm / financial adviser. Any outstanding amounts, as at the date of cancelling the recommended product / transferring to another firm or adviser, will be due to be paid in full within 14 business days of the termination / transfer date. An invoice will be raised for the full outstanding amount. There may be other costs, including taxes, that are payable through other parties (such as the product provider) that we may not be party to. Such charges are normally disclosed in relevant third party documentation, for example a Key Features Document. We will confirm to you in writing the basis of our service and the reasons for recommending any transactions transmitted or executed on your behalf. Where you agree to an ongoing service we will provide regular reports to you regarding that service. We will agree and confirm the frequency and timing of those reports based on your needs. We will also make arrangements for all your investments to be registered in your name unless you first instruct us otherwise in writing. We will forward to you all documents showing ownership of your investments as soon as practicable after we receive them; where a number of documents relating to a series of transactions is involved, we will normally hold each document until the series is complete and then forward them to you. R & H Financial Planning Ltd does not safeguard or administer client assets but we may arrange business through platforms, which will provide custody services for your assets. Where this is the case, the legal title of investments will be registered in the name of the third party’s nominee. Transactions will be transmitted to the fund supermarket, investment wrap platform, or similar third party investment institution for them to execute. Money or transferred assets will be placed immediately with that third party for investment – we will never hold the assets for you. We will provide you with the relevant account opening details for the identified third party such as their Terms & Conditions, Nominee and Safe Custody Service, Best Execution Policy, Execution Venues and Conflicts of Interest Policy (or equivalent documents). The legal title of investments will be in the name of the third party’s nominee. For non-platform business we will make arrangements for your investments to be registered in your name unless you first instruct us otherwise in writing.

YOU FOR OUR SERVICES. The method of paying for our services will depend on the type / level of service (sservice(s) provided. We will discuss your payment options with you and answer any questions you may have. We For advised services, you will be charged an adviser charge. The actual amount will depend on the service(s) provided to you and the amount will be agreed with you before we carry out any work that we will charge you for. Our ‘Keyfacts about our services and costs’ document that we will issue to you, will contain details of how much you will be charged and how payment is to be made. For non-advised services, if commission is available to us, you can choose to pay us by allowing us to keep the commission, or by paying us an adviser charge instead. If you choose to pay via commission, we will tell you how much the commission is before the transaction is completed. If you choose to pay an adviser charge, we will agree the its basis, frequency and method of any charges with you in writing before we carry out any work that you will be charged for. Examples of the cost costs of our services are included within the “Services ‘Keyfacts about our services and Costs Disclosure Document”costs’. We will not charge you anything until you have agreed on how much we are to be paid. We will inform you if you have to pay VAT. For our advised services, you will be charged and adviser charge. The actual amount will depend on the service (s) provided to you and the amount will be agreed with you before we carry out any work that we will charge you for. Our “Services and Payments Agreement” that we will issue to you, will contain details of how much you will be charged and how payment is to be made. Our initial advice will be appropriate for you, based on your requirements and circumstances at that time. We will not ensure that any initial advice remains suitable for you at a later date, unless you select to receive ongoing services from us. In addition to our initial advice services, you could ask us to undertake further services on an ongoing basis. Details of any ongoing services that we offer are detailed later within this document. You may at any time cancel an Ongoing Advice Service by serving your notification of cancellation to us in writing. Upon receipt of your cancellation notice for an Ongoing Advice Service we will arrange for any future payment of any associated charges to cease. Our typical adviser charges are noted below. The exact amount may be more or less than this, but will be specifically agreed with you based on the work you ask us to do for you. We will confirm the actual adviser charges in writing within our separate ‘Services & Payment Agreement’, before providing our services to you. If we do not agree a fixed adviser charge with you at outset, you may ask us for an estimate of how much in total we might charge for any service(s) provided. You may also ask us not to exceed a given amount without checking with you first. Before we provide any services to you, we will gather information about your circumstances and needs. We will not make a charge for this. After this we will charge you: For Single Premium and Lump Sum Transfers A one-off ‘adviser charge’ as a percentage of the initial investment amount as follows: £1 - £ 20,000 4.5 % - subject to a minimum of £ 250 £ 20,001 - £ 50,000 3.0 % £ 50,001 - £100,000 2.5 % £100,001 - £150,000 2.0 % £150,001 - £250,000 1.5 % £250,001 and above 1.0 % Example: If you invest a lump sum of £125,000 into a personal pension plan, we would charge an ‘adviser charge’ of 2 % of the amount invested, which would mean an initial ‘adviser charge’ of £ 2500 (£125,000 x 2 % = £ 2500). For Regular Premium Contracts An ‘adviser charge’ based on 42% of the first years regular premium amount subject to a minimum fee of £500. Example: If you contribute £200 a month into a personal pension plan, we would charge 42% of the premium payable for 12 months, which would mean a total initial ‘adviser charge’ of £1008 (£200 x 42% x 12 months = £1008). We will tell you how much the initial ‘adviser charge’ will be before you complete an investment, but you may ask for this information earlier. OR An ‘adviser charge’ based on the amount of time spent, as per the following hourly rates: Financial Adviser £125 Administration £50 Example: If the time take to advise on and/or arrange a suitable product is 5 hours of Financial Advice and 3 hours Administration, we would charge an initial ‘adviser charge’ of £775 (5 x £125 + 3 x £50 = £775) The initial charge can be either deducted from your investment or paid by cheque or BACs Payment for ongoing services There will be an additional charge for any ongoing work, such as periodic or ongoing reviews we carry out on your behalf. We will confirm the rate, frequency and length of any ongoing service(s) before commencing that ongoing service. Ongoing services offered: • Ongoing meetings • Reporting • Investment Reviews • Contact • Administration • Professional services More details on the services we offer will be provided separately. Example: Type of service: Yearly reviews How much our ongoing charges might cost if based on a percentage of fund value: • Based on a fund value of £100,000, an ongoing charge of 0.5 % of this amount would mean that it would cost £500 per annum to provide an ongoing service (£100,000 x 0.5 % = £ 500). If the fund value increases over time, the ongoing charge then increases accordingly. How much our ongoing charges might cost if based on a percentage of regular contributions: • Based on a regular contributions of £250, an ongoing charge of 5% of this amount would mean that it would cost £12.50 per contribution to provide an ongoing service (£250 x 5% = £ 12.50). The frequency of the ongoing charge will depend on the service(s) you choose and can be either deducted from your investment or paid by standing order We will agree what will be charged before any service(s) provided and the amount will be confirmed within our ‘Service & Payment Agreement’. Following on from our non-chargeable initial meeting, if you request additional services or accept any recommendations we have made then you will pay us an adviser charge which will become payable on completion of our work. You will be required to settle the payment of your adviser charge on completion of our work within 14 business days. We accept cheques or BACs payments. We do not accept payment by cash. You will be provided with a receipt upon payment. The option to pay by instalments is only available for the payment of the adviser charge on regular premium products. Payment by instalments does not relate to any ongoing charges payment, which we may charge for providing an ongoing service. If you buy a financial product, you can choose to have your adviser charge deducted from the product through instalments. Although you pay nothing to us up front, that does not mean that our service is free. You still pay us indirectly through deductions from the amount you pay into your product. These deductions will pay towards settling the adviser charge. These deductions could reduce the amount left for investment. How your payment plan works: Total monthly premium payable £250 Total cost of advice £1260 Monthly payment for advice £105 Length of repayment period 12 months Monthly payment: £105 per premium Period: 12 months 🡪 Advice £105 🡪 Invested: £145 If you choose to pay for the advice you receive through instalments, these instalments will be deducted from the premium you pay each month and allocated towards settling the adviser charge. For example, the total cost of advice is £1260. You have been recommended a regular premium product of which £250 will be paid each month. £105 will be taken from this amount to pay off your adviser charge over 12 months. The remaining £145 will be invested during this time. At the end of this period the adviser charge would have been settled in full. From month 13 the full £250 will be invested. If you choose to pay for the advice you receive via instalments, the full amount of the adviser charge will need to be paid irrespective of whether: • the recommended product(s) is /are cancelled before the full amount is paid; and/or • you subsequently decide to transfer your business to another firm / financial adviser. Any outstanding amounts, as at the date of cancelling the recommended product / transferring to another firm or adviser, will be due to be paid in full within 14 business days of the termination / transfer date. An invoice will be raised for the full outstanding amount. There may be other costs, including taxes, that are payable through other parties (such as the product provider) that we may not be party to. Such charges are normally disclosed in relevant third party documentation, for example a Key Features Document. We will confirm to you in writing the basis oor f our service and the reasonreason s for recommending any transactions transmitted othe transaction r executed on your behalf. Where you agree to an ongoing service we will provide regular reports to you regarding that service. We will agree and confirm the frequency and timing of those reports based on your needs. We will also make arrangements for all your investments to be registered in your name unless you first instruct us otherwise in writing. We will forward to you all documents showing ownership of your investments as soon as practicable after we receive them; where a number of documents relating to a series of transactions is involved, we will normally hold each document until the series is complete and then forward them to you. R & H Financial Planning Ltd does not safeguard or administer client assets but we may arrange business through platforms, which will provide custody services for your assets. Where this is the case, the legal title of investments will be registered in the name of the third party’s nominee. Transactions will be transmitted to the fund supermarket, investment wrap platform, or similar third party investment institution for them to execute. Money or transferred assets will be placed immediately with that third party for investment – we will never hold the assets for you. We will provide you with the relevant account opening details for the identified third party such as their Terms & Conditions, Nominee and Safe Custody Service, Best Execution Policy, Execution Venues and Conflicts of Interest Policy (or equivalent documents). The legal title of investments will be in the name of the third party’s nominee. For non-platform business we will make arrangements for your investments to be registered in your name unless you first instruct us otherwise in writing.

YOU FOR OUR SERVICES. The method of paying for our services will depend on the type / level of service (s) provided. We will discuss your payment options with you and answer any questions you have. We will agree the basis, frequency and method of any charges with you in writing before we carry out any work that you will be charged for. Examples For examples of the cost of our services are included within see “The Cost of Our Services” on the “Services and Costs Disclosure Document”following pages. We will not charge you anything until you have agreed on how much we are to be paid. We will inform you if you have to pay VAT. For our advised services, you will be charged and an adviser charge. The actual amount will depend on the service (s) provided to you and the amount will be agreed with you before we carry out any work that we will charge you for. Our “Services and Payments Agreement” that we will issue to you, will contain details of how much you will be charged and how payment is to be made. Our initial advice will be appropriate for you, based on your requirements and circumstances at that time. We will not ensure that any initial advice remains suitable for you at a later date, unless you select to receive ongoing services from us. In addition to our initial advice services, you could ask us to undertake further services on an ongoing basis. Details of any ongoing services that we offer are detailed later within this document. You may at any time cancel an Ongoing Advice Service by serving your notification of cancellation to us in writing. Upon receipt of your cancellation notice for an Ongoing Advice Service we will arrange for any future payment of any associated charges to cease. Our typical adviser charges are noted below. The exact amount may be more or less than this, but will be specifically agreed with you based on the work you ask us to do for you. We will confirm the actual adviser charges in writing within our separate ‘Services & Payment Agreement’, before providing our services to you. If we do not agree a fixed adviser charge with you at outset, you may ask us for an estimate of how much in total we might charge for any service(s) provided. You may also ask us not to exceed a given amount without checking with you first. Before we provide any services to you, we will gather information about your circumstances and needs. We will not make a charge for this. After this we will charge you: For Single Premium and Lump Sum Transfers A one-off ‘initial adviser charge’ as a percentage of the initial investment amount investment. This will be on a tiered basis as follows: On the first £1 - £ 20,000 4.5 50,000 2.5% - subject to a minimum of £ 250 £ 20,001 - £ £500 On the next £50,000 3.0 % £ 50,001 - £100,000 2.5 2% On the next £100,001 100,000 - £150,000 2.0 1.5% On the next £150,001 150,000 - £250,000 1.5 1% And above £250,001 and above 1.0 250,000 0.5% Example: If you invest a lump sum of £125,000 into a personal pension planinvestment bond, we would charge an ‘adviser charge’ of 2 2.5% of on the amount investedfirst £50,000, 2% on the next £50,000 and 1.5% on the next £25,000 which would mean be an initial ‘adviser charge’ charge of £ 2500 (£125,000 x 2 % = £ 2500)2,625. For Regular Premium Contracts An ‘adviser charge’ based on 42% of the first years regular premium amount subject to a minimum fee of £500. Example: If you contribute £200 a month into a personal pension plan, we would charge 42% of the premium payable for 12 months, which would mean a total initial ‘adviser charge’ of £1008 (£200 x 42% x 12 months = £1008). We will tell you how much the initial ‘adviser charge’ will be before you complete an investment, but you may ask for this information earlier. OR An ‘adviser charge’ based on the amount of time spent, as per the following hourly rates: Financial Adviser £125 150 Administration £50 75 Example: If the time take taken to advise on and/or arrange a suitable product is 5 hours of Financial Advice and 3 hours Administration, we would charge an initial ‘adviser charge’ of £775 975 (5 x £125 150 + 3 x £50 75 = £775975) The initial charge can be either deducted from your investment or paid by cheque or BACs Payment for ongoing services There will be an additional charge for any ongoing work, such as periodic or ongoing reviews we carry out on your behalf. We will confirm the rate, frequency and length of any ongoing service(s) before commencing that ongoing service. Ongoing services offered: • Ongoing meetings • Reporting • Investment Reviews • Contact • Administration • Professional services More details on the services we offer will be provided separately. Example: Type of service: Yearly reviews How much our ongoing charges might cost if based on a percentage of fund value: • Based on a fund value of £100,000, an ongoing charge of 0.5 % of this amount would mean that it would cost £500 per annum to provide an ongoing service (£100,000 x 0.5 % = £ 500). If the fund value increases over time, the ongoing charge then increases accordingly. How much our ongoing charges might cost if based on a percentage of regular contributions: • Based on a regular contributions of £250, an ongoing charge of 5% of this amount would mean that it would cost £12.50 per contribution to provide an ongoing service (£250 x 5% = £ 12.50). The frequency of the ongoing charge will depend on the service(s) you choose and can be either deducted from your investment or paid by standing order We will agree what will be charged before any service(s) provided and the amount will be confirmed within our ‘Service & Payment Agreement’. Following on from our non-chargeable initial meeting, if you request additional services or accept any recommendations we have made then you will pay us an adviser charge which will become payable on completion of our work. You will be required to settle the payment of your adviser charge on completion of our work within 14 business days. We accept cheques or BACs payments. We do not accept payment by cash. You will be provided with a receipt upon payment. The option to pay by instalments is only available for the payment of the adviser charge on regular premium products. Payment by instalments does not relate to any ongoing charges payment, which we may charge for providing an ongoing service. If you buy a financial product, you can choose to have your adviser charge deducted from the product through instalments. Although you pay nothing to us up front, that does not mean that our service is free. You still pay us indirectly through deductions from the amount you pay into your product. These deductions will pay towards settling the adviser charge. These deductions could reduce the amount left for investment. How your payment plan works: Total monthly premium payable £250 Total cost of advice £1260 Monthly payment for advice £105 Length of repayment period 12 months Monthly payment: £105 per premium Period: 12 months 🡪 Advice £105 🡪 Invested: £145 If you choose to pay for the advice you receive through instalments, these instalments will be deducted from the premium you pay each month and allocated towards settling the adviser charge. For example, the total cost of advice is £1260. You have been recommended a regular premium product of which £250 will be paid each month. £105 will be taken from this amount to pay off your adviser charge over 12 months. The remaining £145 will be invested during this time. At the end of this period the adviser charge would have been settled in full. From month 13 the full £250 will be invested. If you choose to pay for the advice you receive via instalments, the full amount of the adviser charge will need to be paid irrespective of whether: • the recommended product(s) is /are cancelled before the full amount is paid; and/or • you subsequently decide to transfer your business to another firm / financial adviser. Any outstanding amounts, as at the date of cancelling the recommended product / transferring to another firm or adviser, will be due to be paid in full within 14 business days of the termination / transfer date. An invoice will be raised for the full outstanding amount. There may be other costs, including taxes, that are payable through other parties (such as the product provider) that we may not be party to. Such charges are normally disclosed in relevant thirthird-d party documentation, for example a Key Features Document. We will confirm to you in writing the basis of our service and the reasons for recommending any transactions transmitted or executed on your behalf. Where you agree to an ongoing service we will provide regular reports to you regarding that service. We will agree and confirm the frequency and timing of those reports based on your needs. We will also make arrangements for all your investments to be registered in your name unless you first instruct us otherwise in writing. We will forward to you all documents showing ownership of your investments as soon as practicable after we receive them; where a number of documents relating to a series of transactions is involved, we will normally hold each document until the series is complete and then forward them to you. R & H Financial Planning Ltd does not safeguard or administer client assets but we may arrange business through platforms, which will provide custody services for your assets. Where this is the case, the legal title of investments will be registered in the name of the third party’s nominee. Transactions will be transmitted to the fund supermarket, investment wrap platform, or similar thirthird-d party investment institution for them to execute. Money or transferred assets will be placed immediately with that third party for investment – we will never hold the assets for you. We will provide you with the relevant account opening details for the identified third party such as their Terms & Conditions, Nominee and Safe Custody Service, Best Execution Policy, Execution Venues and Conflicts of Interest Policy (or equivalent documents). The legal title of investments will be in the name of the third party’s nominee. For non-platform business we will make arrangements for your investments to be registered in your name unless you first instruct us otherwise in writing.

YOU FOR OUR SERVICES. The method of paying for our services will depend on the type / level of service (sservice(s) provided. We will discuss your payment options with you and answer any questions you may have. We For advised services, you will be charged an adviser charge. The actual amount will depend on the service(s) provided to you and the amount will be agreed with you before we carry out any work that we will charge you for. Our ‘Fee Agreement’ that we will issue to you, will contain details of how much you will be charged and how payment is to be made. For non-advised services, if commission is available to us, you can choose to pay us by allowing us to keep the commission, or by paying us an adviser charge instead. If you choose to pay via commission, we will tell you how much the commission is before the transaction is completed. If you choose to pay an adviser charge, we will agree the its basis, frequency and method of any charges with you in writing before we carry out any work that you will be charged for. Examples of the cost costs of our services are included within the “‘Services and Costs Disclosure Document”’. We will not charge you anything until you have agreed on how much we are to be paid. We will inform you if you have to pay VAT. For our advised services, you will be charged and adviser charge. The actual amount will depend on the service (s) provided to you and the amount will be agreed with you before we carry out any work that we will charge you for. Our “Services and Payments Agreement” that we will issue to you, will contain details of how much you will be charged and how payment is to be made. Our initial advice will be appropriate for you, based on your requirements and circumstances at that time. We will not ensure that any initial advice remains suitable for you at a later date, unless you select to receive ongoing services from us. In addition to our initial advice services, you could ask us to undertake further services on an ongoing basis. Details of any ongoing services that we offer are detailed later within this document. You may at any time cancel an Ongoing Advice Service by serving your notification of cancellation to us in writing. Upon receipt of your cancellation notice for an Ongoing Advice Service we will arrange for any future payment of any associated charges to cease. Our typical adviser charges are noted below. The exact amount may be more or less than this, but will be specifically agreed with you based on the work you ask us to do for you. We will confirm the actual adviser charges in writing within our separate ‘Services & Payment Agreement’, before providing our services to you. If we do not agree a fixed adviser charge with you at outset, you may ask us for an estimate of how much in total we might charge for any service(s) provided. You may also ask us not to exceed a given amount without checking with you first. Before we provide any services to you, we will gather information about your circumstances and needs. We will not make a charge for this. After this we will charge you: For Single Premium and Lump Sum Transfers A one-off ‘adviser charge’ as a percentage of the initial investment amount as follows: £1 - £ 20,000 4.5 % - subject to a minimum of £ 250 £ 20,001 - £ 50,000 3.0 % £ 50,001 - £100,000 2.5 % £100,001 - £150,000 2.0 % £150,001 - £250,000 1.5 % £250,001 and above 1.0 % Example: If you invest a lump sum of £125,000 into a personal pension plan, we would charge an ‘adviser charge’ of 2 % of the amount invested, which would mean an initial ‘adviser charge’ of £ 2500 (£125,000 x 2 % = £ 2500). For Regular Premium Contracts An ‘adviser charge’ based on 42% of the first years regular premium amount subject to a minimum fee of £500. Example: If you contribute £200 a month into a personal pension plan, we would charge 42% of the premium payable for 12 months, which would mean a total initial ‘adviser charge’ of £1008 (£200 x 42% x 12 months = £1008). We will tell you how much the initial ‘adviser charge’ will be before you complete an investment, but you may ask for this information earlier. OR An ‘adviser charge’ based on the amount of time spent, as per the following hourly rates: Financial Adviser £125 Administration £50 Example: If the time take to advise on and/or arrange a suitable product is 5 hours of Financial Advice and 3 hours Administration, we would charge an initial ‘adviser charge’ of £775 (5 x £125 + 3 x £50 = £775) The initial charge can be either deducted from your investment or paid by cheque or BACs Payment for ongoing services There will be an additional charge for any ongoing work, such as periodic or ongoing reviews we carry out on your behalf. We will confirm the rate, frequency and length of any ongoing service(s) before commencing that ongoing service. Ongoing services offered: • Ongoing meetings • Reporting • Investment Reviews • Contact • Administration • Professional services More details on the services we offer will be provided separately. Example: Type of service: Yearly reviews How much our ongoing charges might cost if based on a percentage of fund value: • Based on a fund value of £100,000, an ongoing charge of 0.5 % of this amount would mean that it would cost £500 per annum to provide an ongoing service (£100,000 x 0.5 % = £ 500). If the fund value increases over time, the ongoing charge then increases accordingly. How much our ongoing charges might cost if based on a percentage of regular contributions: • Based on a regular contributions of £250, an ongoing charge of 5% of this amount would mean that it would cost £12.50 per contribution to provide an ongoing service (£250 x 5% = £ 12.50). The frequency of the ongoing charge will depend on the service(s) you choose and can be either deducted from your investment or paid by standing order We will agree what will be charged before any service(s) provided and the amount will be confirmed within our ‘Service & Payment Agreement’. Following on from our non-chargeable initial meeting, if you request additional services or accept any recommendations we have made then you will pay us an adviser charge which will become payable on completion of our work. You will be required to settle the payment of your adviser charge on completion of our work within 14 business days. We accept cheques or BACs payments. We do not accept payment by cash. You will be provided with a receipt upon payment. The option to pay by instalments is only available for the payment of the adviser charge on regular premium products. Payment by instalments does not relate to any ongoing charges payment, which we may charge for providing an ongoing service. If you buy a financial product, you can choose to have your adviser charge deducted from the product through instalments. Although you pay nothing to us up front, that does not mean that our service is free. You still pay us indirectly through deductions from the amount you pay into your product. These deductions will pay towards settling the adviser charge. These deductions could reduce the amount left for investment. How your payment plan works: Total monthly premium payable £250 Total cost of advice £1260 Monthly payment for advice £105 Length of repayment period 12 months Monthly payment: £105 per premium Period: 12 months 🡪 Advice £105 🡪 Invested: £145 If you choose to pay for the advice you receive through instalments, these instalments will be deducted from the premium you pay each month and allocated towards settling the adviser charge. For example, the total cost of advice is £1260. You have been recommended a regular premium product of which £250 will be paid each month. £105 will be taken from this amount to pay off your adviser charge over 12 months. The remaining £145 will be invested during this time. At the end of this period the adviser charge would have been settled in full. From month 13 the full £250 will be invested. If you choose to pay for the advice you receive via instalments, the full amount of the adviser charge will need to be paid irrespective of whether: • the recommended product(s) is /are cancelled before the full amount is paid; and/or • you subsequently decide to transfer your business to another firm / financial adviser. Any outstanding amounts, as at the date of cancelling the recommended product / transferring to another firm or adviser, will be due to be paid in full within 14 business days of the termination / transfer date. An invoice will be raised for the full outstanding amount. There may be other costs, including taxes, that are payable through other parties (such as the product provider) that we may not be party to. Such charges are normally disclosed in relevant third party documentation, for example a Key Features Document. We will confirm to you in writing the basis of our service and the reasons for recommending any transactions transmitted or executed on your behalf. Where you agree to an ongoing servicadvice e we will provide regular reports to you regarding that service. We will agree and confirm the frequency and timing of those reports based on your needs. We will also make arrangements for all your investments to be registered in your name unless you first instruct us otherwise in writing. We will forward to you all documents showing ownership of your investments as soon as practicable after we receive them; where a number of documents relating to a series of transactions is involved, we will normally hold each document until the series is complete and then forward them to you. R & Xxxxxxx Xxxxxxxx Independent H Financial PlanninAdvisers g Ltd does not safeguard or administer client assets but we may arrange business through platforms, which will provide custody services for your assets. Where this is the case, the legal title of investments will be registered in the name of the third party’s nominee. Transactions will be transmitted to the fund supermarket, investment wrap platform, or similar third party investment institution for them to execute. Money or transferred assets will be placed immediately with that third party for investment – we will never hold the assets for you. We will provide you with the relevant account opening details for the identified third party such as their Terms & Conditions, Nominee and Safe Custody Service, Best Execution Policy, Execution Venues and Conflicts of Interest Policy (or equivalent documents). The legal title of investments will be in the name of the third party’s nominee. For non-platform business we will make arrangements for your investments to be registered in your name unless you first instruct us otherwise in writing.

YOU FOR OUR SERVICES. The method of paying for our services will depend on the type / level of service (sservice(s) provided. We will discuss your payment options with you and answer any questions you may have. We For advised services, you will be charged an adviser charge. The actual amount will depend on the service(s) provided to you and the amount will be agreed with you before we carry out any work that we will charge you for. Our ‘Fee Agreement’ that we will issue to you, will contain details of how much you will be charged and how payment is to be made. For non-advised services, if commission is available to us, you can choose to pay us by allowing us to keep the commission, or by paying us an adviser charge instead. If you choose to pay via commission, we will tell you how much the commission is before the transaction is completed. If you choose to pay an adviser charge, we will agree the its basis, frequency and method of any charges with you in writing before we carry out any work that you will be charged for. Examples of the cost costs of our services are included within the “‘Services and Costs Disclosure Document”’. We will not charge you anything until you have agreed on how much we are to be paid. We will inform you if you have to pay VAT. For our advised services, you will be charged and adviser charge. The actual amount will depend on the service (s) provided to you and the amount will be agreed with you before we carry out any work that we will charge you for. Our “Services and Payments Agreement” that we will issue to you, will contain details of how much you will be charged and how payment is to be made. Our initial advice will be appropriate for you, based on your requirements and circumstances at that time. We will not ensure that any initial advice remains suitable for you at a later date, unless you select to receive ongoing services from us. In addition to our initial advice services, you could ask us to undertake further services on an ongoing basis. Details of any ongoing services that we offer are detailed later within this document. You may at any time cancel an Ongoing Advice Service by serving your notification of cancellation to us in writing. Upon receipt of your cancellation notice for an Ongoing Advice Service we will arrange for any future payment of any associated charges to cease. Our typical adviser charges are noted below. The exact amount may be more or less than this, but will be specifically agreed with you based on the work you ask us to do for you. We will confirm the actual adviser charges in writing within our separate ‘Services & Payment Agreement’, before providing our services to you. If we do not agree a fixed adviser charge with you at outset, you may ask us for an estimate of how much in total we might charge for any service(s) provided. You may also ask us not to exceed a given amount without checking with you first. Before we provide any services to you, we will gather information about your circumstances and needs. We will not make a charge for this. After this we will charge you: For Single Premium and Lump Sum Transfers A one-off ‘adviser charge’ as a percentage of the initial investment amount as follows: £1 - £ 20,000 4.5 % - subject to a minimum of £ 250 £ 20,001 - £ 50,000 3.0 % £ 50,001 - £100,000 2.5 % £100,001 - £150,000 2.0 % £150,001 - £250,000 1.5 % £250,001 and above 1.0 % Example: If you invest a lump sum of £125,000 into a personal pension plan, we would charge an ‘adviser charge’ of 2 % of the amount invested, which would mean an initial ‘adviser charge’ of £ 2500 (£125,000 x 2 % = £ 2500). For Regular Premium Contracts An ‘adviser charge’ based on 42% of the first years regular premium amount subject to a minimum fee of £500. Example: If you contribute £200 a month into a personal pension plan, we would charge 42% of the premium payable for 12 months, which would mean a total initial ‘adviser charge’ of £1008 (£200 x 42% x 12 months = £1008). We will tell you how much the initial ‘adviser charge’ will be before you complete an investment, but you may ask for this information earlier. OR An ‘adviser charge’ based on the amount of time spent, as per the following hourly rates: Financial Adviser £125 Administration £50 Example: If the time take to advise on and/or arrange a suitable product is 5 hours of Financial Advice and 3 hours Administration, we would charge an initial ‘adviser charge’ of £775 (5 x £125 + 3 x £50 = £775) The initial charge can be either deducted from your investment or paid by cheque or BACs Payment for ongoing services There will be an additional charge for any ongoing work, such as periodic or ongoing reviews we carry out on your behalf. We will confirm the rate, frequency and length of any ongoing service(s) before commencing that ongoing service. Ongoing services offered: • Ongoing meetings • Reporting • Investment Reviews • Contact • Administration • Professional services More details on the services we offer will be provided separately. Example: Type of service: Yearly reviews How much our ongoing charges might cost if based on a percentage of fund value: • Based on a fund value of £100,000, an ongoing charge of 0.5 % of this amount would mean that it would cost £500 per annum to provide an ongoing service (£100,000 x 0.5 % = £ 500). If the fund value increases over time, the ongoing charge then increases accordingly. How much our ongoing charges might cost if based on a percentage of regular contributions: • Based on a regular contributions of £250, an ongoing charge of 5% of this amount would mean that it would cost £12.50 per contribution to provide an ongoing service (£250 x 5% = £ 12.50). The frequency of the ongoing charge will depend on the service(s) you choose and can be either deducted from your investment or paid by standing order We will agree what will be charged before any service(s) provided and the amount will be confirmed within our ‘Service & Payment Agreement’. Following on from our non-chargeable initial meeting, if you request additional services or accept any recommendations we have made then you will pay us an adviser charge which will become payable on completion of our work. You will be required to settle the payment of your adviser charge on completion of our work within 14 business days. We accept cheques or BACs payments. We do not accept payment by cash. You will be provided with a receipt upon payment. The option to pay by instalments is only available for the payment of the adviser charge on regular premium products. Payment by instalments does not relate to any ongoing charges payment, which we may charge for providing an ongoing service. If you buy a financial product, you can choose to have your adviser charge deducted from the product through instalments. Although you pay nothing to us up front, that does not mean that our service is free. You still pay us indirectly through deductions from the amount you pay into your product. These deductions will pay towards settling the adviser charge. These deductions could reduce the amount left for investment. How your payment plan works: Total monthly premium payable £250 Total cost of advice £1260 Monthly payment for advice £105 Length of repayment period 12 months Monthly payment: £105 per premium Period: 12 months 🡪 Advice £105 🡪 Invested: £145 If you choose to pay for the advice you receive through instalments, these instalments will be deducted from the premium you pay each month and allocated towards settling the adviser charge. For example, the total cost of advice is £1260. You have been recommended a regular premium product of which £250 will be paid each month. £105 will be taken from this amount to pay off your adviser charge over 12 months. The remaining £145 will be invested during this time. At the end of this period the adviser charge would have been settled in full. From month 13 the full £250 will be invested. If you choose to pay for the advice you receive via instalments, the full amount of the adviser charge will need to be paid irrespective of whether: • the recommended product(s) is /are cancelled before the full amount is paid; and/or • you subsequently decide to transfer your business to another firm / financial adviser. Any outstanding amounts, as at the date of cancelling the recommended product / transferring to another firm or adviser, will be due to be paid in full within 14 business days of the termination / transfer date. An invoice will be raised for the full outstanding amount. There may be other costs, including taxes, that are payable through other parties (such as the product provider) that we may not be party to. Such charges are normally disclosed in relevant third party documentation, for example a Key Features Document. We will confirm to you in writing the basis of our service and the reasons for recommending any transactions transmitted or executed on your behalf. Where you agree to an ongoing servicadvice e we will provide regular reports to you regarding that service. We will agree and confirm the frequency and timing of those reports based on your needs. We will also make arrangements for all your investments to be registered in your name unless you first instruct us otherwise in writing. We will forward to you all documents showing ownership of your investments as soon as practicable after we receive them; where a number of documents relating to a series of transactions is involved, we will normally hold each document until the series is complete and then forward them to you. R & Intelligent H Financial Planning LtAdvice Limited d does not safeguard or administer client assets but we may arrange business through platforms, which will provide custody services for your assets. Where this is the case, the legal title of investments will be registered in the name of the third party’s nominee. Transactions will be transmitted to the fund supermarket, investment wrap platform, or similar third party investment institution for them to execute. Money or transferred assets will be placed immediately with that third party for investment – we will never hold the assets for you. We will provide you with the relevant account opening details for the identified third party such as their Terms & Conditions, Nominee and Safe Custody Service, Best Execution Policy, Execution Venues and Conflicts of Interest Policy (or equivalent documents). The legal title of investments will be in the name of the third party’s nominee. For non-platform business we will make arrangements for your investments to be registered in your name unless you first instruct us otherwise in writing.

YOU FOR OUR SERVICES. The method of paying for our services will depend on the type / level of service (sservice(s) provided. We will discuss your payment options with you and answer any questions you may have. We For advised services, you will be charged an adviser charge. The actual amount will depend on the service(s) provided to you and the amount will be agreed with you before we carry out any work that we will charge you for. Our ‘Services and Payments Agreement’ that we will issue to you, will contain details of how much you will be charged and how payment is to be made. For non-advised services, if commission is available to us, you can choose to pay us by allowing us to keep the commission, or by paying us an adviser charge instead. If you choose to pay via commission, we will tell you how much the commission is before the transaction is completed. If you choose to pay an adviser charge, we will agree the its basis, frequency and method of any charges with you in writing before we carry out any work that you will be charged for. Examples of the cost costs of our services are included within the “‘Services and Costs Disclosure Document”’. We will not charge you anything until you have agreed on how much we are to be paid. We will inform you if you have to pay VAT. For our advised services, you will be charged and adviser charge. The actual amount will depend on the service (s) provided to you and the amount will be agreed with you before we carry out any work that we will charge you for. Our “Services and Payments Agreement” that we will issue to you, will contain details of how much you will be charged and how payment is to be made. Our initial advice will be appropriate for you, based on your requirements and circumstances at that time. We will not ensure that any initial advice remains suitable for you at a later date, unless you select to receive ongoing services from us. In addition to our initial advice services, you could ask us to undertake further services on an ongoing basis. Details of any ongoing services that we offer are detailed later within this document. You may at any time cancel an Ongoing Advice Service by serving your notification of cancellation to us in writing. Upon receipt of your cancellation notice for an Ongoing Advice Service we will arrange for any future payment of any associated charges to cease. Our typical adviser charges are noted below. The exact amount may be more or less than this, but will be specifically agreed with you based on the work you ask us to do for you. We will confirm the actual adviser charges in writing within our separate ‘Services & Payment Agreement’, before providing our services to you. If we do not agree a fixed adviser charge with you at outset, you may ask us for an estimate of how much in total we might charge for any service(s) provided. You may also ask us not to exceed a given amount without checking with you first. Before we provide any services to you, we will gather information about your circumstances and needs. We will not make a charge for this. After this we will charge you: For Single Premium and Lump Sum Transfers A one-off ‘adviser charge’ as a percentage of the initial investment amount as follows: £1 - £ 20,000 4.5 % - subject to a minimum of £ 250 £ 20,001 - £ 50,000 3.0 % £ 50,001 - £100,000 2.5 % £100,001 - £150,000 2.0 % £150,001 - £250,000 1.5 % £250,001 and above 1.0 % Example: If you invest a lump sum of £125,000 into a personal pension plan, we would charge an ‘adviser charge’ of 2 % of the amount invested, which would mean an initial ‘adviser charge’ of £ 2500 (£125,000 x 2 % = £ 2500). For Regular Premium Contracts An ‘adviser charge’ based on 42% of the first years regular premium amount subject to a minimum fee of £500. Example: If you contribute £200 a month into a personal pension plan, we would charge 42% of the premium payable for 12 months, which would mean a total initial ‘adviser charge’ of £1008 (£200 x 42% x 12 months = £1008). We will tell you how much the initial ‘adviser charge’ will be before you complete an investment, but you may ask for this information earlier. OR An ‘adviser charge’ based on the amount of time spent, as per the following hourly rates: Financial Adviser £125 Administration £50 Example: If the time take to advise on and/or arrange a suitable product is 5 hours of Financial Advice and 3 hours Administration, we would charge an initial ‘adviser charge’ of £775 (5 x £125 + 3 x £50 = £775) The initial charge can be either deducted from your investment or paid by cheque or BACs Payment for ongoing services There will be an additional charge for any ongoing work, such as periodic or ongoing reviews we carry out on your behalf. We will confirm the rate, frequency and length of any ongoing service(s) before commencing that ongoing service. Ongoing services offered: • Ongoing meetings • Reporting • Investment Reviews • Contact • Administration • Professional services More details on the services we offer will be provided separately. Example: Type of service: Yearly reviews How much our ongoing charges might cost if based on a percentage of fund value: • Based on a fund value of £100,000, an ongoing charge of 0.5 % of this amount would mean that it would cost £500 per annum to provide an ongoing service (£100,000 x 0.5 % = £ 500). If the fund value increases over time, the ongoing charge then increases accordingly. How much our ongoing charges might cost if based on a percentage of regular contributions: • Based on a regular contributions of £250, an ongoing charge of 5% of this amount would mean that it would cost £12.50 per contribution to provide an ongoing service (£250 x 5% = £ 12.50). The frequency of the ongoing charge will depend on the service(s) you choose and can be either deducted from your investment or paid by standing order We will agree what will be charged before any service(s) provided and the amount will be confirmed within our ‘Service & Payment Agreement’. Following on from our non-chargeable initial meeting, if you request additional services or accept any recommendations we have made then you will pay us an adviser charge which will become payable on completion of our work. You will be required to settle the payment of your adviser charge on completion of our work within 14 business days. We accept cheques or BACs payments. We do not accept payment by cash. You will be provided with a receipt upon payment. The option to pay by instalments is only available for the payment of the adviser charge on regular premium products. Payment by instalments does not relate to any ongoing charges payment, which we may charge for providing an ongoing service. If you buy a financial product, you can choose to have your adviser charge deducted from the product through instalments. Although you pay nothing to us up front, that does not mean that our service is free. You still pay us indirectly through deductions from the amount you pay into your product. These deductions will pay towards settling the adviser charge. These deductions could reduce the amount left for investment. How your payment plan works: Total monthly premium payable £250 Total cost of advice £1260 Monthly payment for advice £105 Length of repayment period 12 months Monthly payment: £105 per premium Period: 12 months 🡪 Advice £105 🡪 Invested: £145 If you choose to pay for the advice you receive through instalments, these instalments will be deducted from the premium you pay each month and allocated towards settling the adviser charge. For example, the total cost of advice is £1260. You have been recommended a regular premium product of which £250 will be paid each month. £105 will be taken from this amount to pay off your adviser charge over 12 months. The remaining £145 will be invested during this time. At the end of this period the adviser charge would have been settled in full. From month 13 the full £250 will be invested. If you choose to pay for the advice you receive via instalments, the full amount of the adviser charge will need to be paid irrespective of whether: • the recommended product(s) is /are cancelled before the full amount is paid; and/or • you subsequently decide to transfer your business to another firm / financial adviser. Any outstanding amounts, as at the date of cancelling the recommended product / transferring to another firm or adviser, will be due to be paid in full within 14 business days of the termination / transfer date. An invoice will be raised for the full outstanding amount. There may be other costs, including taxes, that are payable through other parties (such as the product provider) that we may not be party to. Such charges are normally disclosed in relevant third party documentation, for example a Key Features Document. We will confirm to you in writing the basis oor f our service and the reasonreason s for recommending any transactions transmitted othe transaction r executed on your behalf. Where you agree to an ongoing service we will provide regular reports to you regarding that service. We will agree and confirm the frequency and timing of those reports based on your needs. We will also make arrangements for all your investments to be registered in your name unless you first instruct us otherwise in writing. We will forward to you all documents showing ownership of your investments as soon as practicable after we receive them; where a number of documents relating to a series of transactions is involved, we will normally hold each document until the series is complete and then forward them to you. R & H Financial Planning Ltd does not safeguard or administer client assets but we may arrange business through platforms, which will provide custody services for your assets. Where this is the case, the legal title of investments will be registered in the name of the third party’s nominee. Transactions will be transmitted to the fund supermarket, investment wrap platform, or similar third party investment institution for them to execute. Money or transferred assets will be placed immediately with that third party for investment – we will never hold the assets for you. We will provide you with the relevant account opening details for the identified third party such as their Terms & Conditions, Nominee and Safe Custody Service, Best Execution Policy, Execution Venues and Conflicts of Interest Policy (or equivalent documents). The legal title of investments will be in the name of the third party’s nominee. For non-platform business we will make arrangements for your investments to be registered in your name unless you first instruct us otherwise in writing.

YOU FOR OUR SERVICES. The method of paying for our services will depend on the type / level of service (sservice(s) provided. We will discuss your payment options with you and answer any questions you may have. We For advised services, you will be charged an adviser charge. The actual amount will depend on the service(s) provided to you and the amount will be agreed with you before we carry out any work that we will charge you for. Our ‘Fee Agreement’ that we will issue to you, will contain details of how much you will be charged and how payment is to be made. N on-advised services For non-advised services, if commission is available to us, you can choose to pay us by allowing us to keep the commission, or by paying us an adviser charge instead. If you choose to pay via commission, we will tell you how much the commission is before the transaction is completed. If you choose to pay an adviser charge, we will agree the its basis, frequency and method of any charges with you in writing before we carry out any work that you will be charged for. Examples of the cost costs of our services are included within the “‘Services and Costs Disclosure Document”’. We will not charge you anything until you have agreed on how much we are to be paid. We will inform you if you have to pay VAT. For our advised services, you will be charged and adviser charge. The actual amount will depend on the service (s) provided to you and the amount will be agreed with you before we carry out any work that we will charge you for. Our “Services and Payments Agreement” that we will issue to you, will contain details of how much you will be charged and how payment is to be made. Our initial advice will be appropriate for you, based on your requirements and circumstances at that time. We will not ensure that any initial advice remains suitable for you at a later date, unless you select to receive ongoing services from us. In addition to our initial advice services, you could ask us to undertake further services on an ongoing basis. Details of any ongoing services that we offer are detailed later within this document. You may at any time cancel an Ongoing Advice Service by serving your notification of cancellation to us in writing. Upon receipt of your cancellation notice for an Ongoing Advice Service we will arrange for any future payment of any associated charges to cease. Our typical adviser charges are noted below. The exact amount may be more or less than this, but will be specifically agreed with you based on the work you ask us to do for you. We will confirm the actual adviser charges in writing within our separate ‘Services & Payment Agreement’, before providing our services to you. If we do not agree a fixed adviser charge with you at outset, you may ask us for an estimate of how much in total we might charge for any service(s) provided. You may also ask us not to exceed a given amount without checking with you first. Before we provide any services to you, we will gather information about your circumstances and needs. We will not make a charge for this. After this we will charge you: For Single Premium and Lump Sum Transfers A one-off ‘adviser charge’ as a percentage of the initial investment amount as follows: £1 - £ 20,000 4.5 % - subject to a minimum of £ 250 £ 20,001 - £ 50,000 3.0 % £ 50,001 - £100,000 2.5 % £100,001 - £150,000 2.0 % £150,001 - £250,000 1.5 % £250,001 and above 1.0 % Example: If you invest a lump sum of £125,000 into a personal pension plan, we would charge an ‘adviser charge’ of 2 % of the amount invested, which would mean an initial ‘adviser charge’ of £ 2500 (£125,000 x 2 % = £ 2500). For Regular Premium Contracts An ‘adviser charge’ based on 42% of the first years regular premium amount subject to a minimum fee of £500. Example: If you contribute £200 a month into a personal pension plan, we would charge 42% of the premium payable for 12 months, which would mean a total initial ‘adviser charge’ of £1008 (£200 x 42% x 12 months = £1008). We will tell you how much the initial ‘adviser charge’ will be before you complete an investment, but you may ask for this information earlier. OR An ‘adviser charge’ based on the amount of time spent, as per the following hourly rates: Financial Adviser £125 Administration £50 Example: If the time take to advise on and/or arrange a suitable product is 5 hours of Financial Advice and 3 hours Administration, we would charge an initial ‘adviser charge’ of £775 (5 x £125 + 3 x £50 = £775) The initial charge can be either deducted from your investment or paid by cheque or BACs Payment for ongoing services There will be an additional charge for any ongoing work, such as periodic or ongoing reviews we carry out on your behalf. We will confirm the rate, frequency and length of any ongoing service(s) before commencing that ongoing service. Ongoing services offered: • Ongoing meetings • Reporting • Investment Reviews • Contact • Administration • Professional services More details on the services we offer will be provided separately. Example: Type of service: Yearly reviews How much our ongoing charges might cost if based on a percentage of fund value: • Based on a fund value of £100,000, an ongoing charge of 0.5 % of this amount would mean that it would cost £500 per annum to provide an ongoing service (£100,000 x 0.5 % = £ 500). If the fund value increases over time, the ongoing charge then increases accordingly. How much our ongoing charges might cost if based on a percentage of regular contributions: • Based on a regular contributions of £250, an ongoing charge of 5% of this amount would mean that it would cost £12.50 per contribution to provide an ongoing service (£250 x 5% = £ 12.50). The frequency of the ongoing charge will depend on the service(s) you choose and can be either deducted from your investment or paid by standing order We will agree what will be charged before any service(s) provided and the amount will be confirmed within our ‘Service & Payment Agreement’. Following on from our non-chargeable initial meeting, if you request additional services or accept any recommendations we have made then you will pay us an adviser charge which will become payable on completion of our work. You will be required to settle the payment of your adviser charge on completion of our work within 14 business days. We accept cheques or BACs payments. We do not accept payment by cash. You will be provided with a receipt upon payment. The option to pay by instalments is only available for the payment of the adviser charge on regular premium products. Payment by instalments does not relate to any ongoing charges payment, which we may charge for providing an ongoing service. If you buy a financial product, you can choose to have your adviser charge deducted from the product through instalments. Although you pay nothing to us up front, that does not mean that our service is free. You still pay us indirectly through deductions from the amount you pay into your product. These deductions will pay towards settling the adviser charge. These deductions could reduce the amount left for investment. How your payment plan works: Total monthly premium payable £250 Total cost of advice £1260 Monthly payment for advice £105 Length of repayment period 12 months Monthly payment: £105 per premium Period: 12 months 🡪 Advice £105 🡪 Invested: £145 If you choose to pay for the advice you receive through instalments, these instalments will be deducted from the premium you pay each month and allocated towards settling the adviser charge. For example, the total cost of advice is £1260. You have been recommended a regular premium product of which £250 will be paid each month. £105 will be taken from this amount to pay off your adviser charge over 12 months. The remaining £145 will be invested during this time. At the end of this period the adviser charge would have been settled in full. From month 13 the full £250 will be invested. If you choose to pay for the advice you receive via instalments, the full amount of the adviser charge will need to be paid irrespective of whether: • the recommended product(s) is /are cancelled before the full amount is paid; and/or • you subsequently decide to transfer your business to another firm / financial adviser. Any outstanding amounts, as at the date of cancelling the recommended product / transferring to another firm or adviser, will be due to be paid in full within 14 business days of the termination / transfer date. An invoice will be raised for the full outstanding amount. There may be other costs, including taxes, that are payable through other parties (such as the product provider) that we may not be party to. Such charges are normally disclosed in relevant third party documentation, for example a Key Features Document. We will confirm to you in writing the basis of our service and the reasons for recommending any transactions transmitted or executed on your behalf. Where you agree to an ongoing servicadvice e we will provide regular reports to you regarding that service. We will agree and confirm the frequency and timing of those reports based on your needs. We will also make arrangements for all your investments to be registered in your name unless you first instruct us otherwise in writing. We will forward to you all documents showing ownership of your investments as soon as practicable after we receive them; where a number of documents relating to a series of transactions is involved, we will normally hold each document until the series is complete and then forward them to you. R & H Financial Planning LtFutures Assured Limited d does not safeguard or administer client assets but we may arrange business through platforms, which will provide custody services for your assets. Where this is the case, the legal title of investments will be registered in the name of the third party’s nominee. Transactions will be transmitted to the fund supermarket, investment wrap platform, or similar third party investment institution for them to execute. Money or transferred assets will be placed immediately with that third party for investment – we will never hold the assets for you. We will provide you with the relevant account opening details for the identified third party such as their Terms & Conditions, Nominee and Safe Custody Service, Best Execution Policy, Execution Venues and Conflicts of Interest Policy (or equivalent documents). The legal title of investments will be in the name of the third party’s nominee. For non-platform business we will make arrangements for your investments to be registered in your name unless you first instruct us otherwise in writing.