Common use of Your aims and objectives Clause in Contracts

Your aims and objectives. Unless we notify you in writing to the contrary, we will be treating you as a “retail client” for investment business. This means that you are afforded the highest level of protection under the regulatory system and should have the right to take any complaint to the Financial Ombudsman Service. Any advice or recommendation that we offer to you, will only be given after we have assessed your needs and considered your financial objectives and attitude to any risks that may be involved. We will also take into account any restrictions that you wish to place on the type of products you would be willing to consider. We will confirm to you in writing the basis of our recommendations along with details of any special risks associated with the products recommended. We are committed to providing the highest standard of financial advice and service possible. The interest of our clients is paramount to us and to achieve this we have designed our systems and procedures to place you at the heart of our business. In doing so, we will: • be open, honest and transparent in the way we deal with you; • not place our interests above yours; • communicate clearly, promptly and without jargon; • seek your views and perception of our dealings with you to ensure we meet your expectations or to identify any improvements required. If you feel that you would like to bring along to any meeting, a friend, relative or professional adviser, Pension Income Planning Ltd are happy to accommodate this. We appreciate that discussions on financial advice can seem daunting and you are welcome to bring someone with you who may also ask questions and assist you with your understanding of the advice process and any recommendations made. Please be aware that calls to and from our offices are recorded, will form part of our client records and may be used for training purposes.

Your aims and objectives. Unless we notify you in writing to the contrary, we will be treating you as a “retail client” for investment business and a “consumer” for insurance business. This means that you are afforded the highest level of protection under the regulatory system and should have the right to take any complaint to the Financial Ombudsman Service. Any advice or recommendation that we offer to you, will only be given after we have assessed your needs and considered your financial objectives and attitude to any risks that may be involved. We will also take into account any restrictions that you wish to place on the type of products you would be willing to consider. We With very few exceptions, we will confirm to you in writing the basis of our recommendations along with details of any special risks associated with the products recommended. Full details of the products we recommend to you including, for example, the minimum duration of the product, information on your right to cancel or whether no right to cancel exists, and any other early termination rights and penalties, will be covered in the relevant product disclosure information you will receive before conclusion of any contract. We will issue any documentation/recommendations and any other communication to you in English. We are committed to providing the highest standard of financial advice and service possible. The interest of our clients is paramount to us and to achieve this we have designed our systems and procedures to place you at the heart of our business. In doing so, we will: •  be open, honest and transparent in the way we deal with you; •  not place our interests above yours; •  communicate clearly, promptly and without jargon; •  seek your views and perception of our dealings with you to ensure we meet it meets your expectations or to identify any improvements required. If you feel that you would like to bring along to any meeting, a friend, relative or professional adviser, Pension Income Planning Ltd are happy to accommodate this. We appreciate that discussions on financial advice can seem daunting and you are welcome to bring someone with you who may also ask questions and assist you with your understanding of the advice process and any recommendations made. Please be aware that calls to and from our offices are recorded, will form part of our client records and may be used for training purposes.

Your aims and objectives. Unless we notify you in writing to the contrary, we will be treating you as a “‘retail client” ’ for investment business. This means that you are afforded the highest level of protection under the regulatory system and should have the right to take any complaint to the Financial Ombudsman Service. Any advice or recommendation that recommendation(s) we offer to you, you will only be given after we have assessed your needs and considered your financial objectives and objectives, attitude to risk and capacity to bear any risks that may be involvedlosses. We will also take into account any restrictions that you wish to place on the type types of products or investment strategy you would be willing to consider. We With very few exceptions, we will confirm to you in writing the basis of our recommendations along with details of any special risks associated with the products recommended. Full details of the products we recommend to you including, for example, the minimum duration of the product, information on your right to cancel or whether no right to cancel exists, and any other early termination rights and penalties, will be covered in the relevant product disclosure information you will receive before conclusion of any contract. We will issue any documentation/recommendations and any other communication to you in English (unless agreed otherwise). We may also, on occasion, advise on other financial products which are not regulated by the FCA under the Financial Services and Markets Act 2000. The Financial Services Compensation Scheme does not apply to any of these products, but we will confirm this to you in writing. We are committed to providing the highest standard of financial advice and service possible. The interest of our clients is paramount to us and to achieve this we have designed our systems and procedures to place you at the heart of our business. In doing so, we will: • be open, honest and transparent in the way we deal with you; . • not place our interests above yours; . • communicate clearly, promptly and without jargon; . • seek Seek your views and perception of our dealings with you to ensure we meet it meets your expectations or to identify any improvements required. If you feel that you would like to bring along to any meeting, a friend, relative or professional adviser, Pension Income Planning Ltd are happy to accommodate this. We appreciate that discussions on financial advice can seem daunting and you are welcome to bring someone with you who may also ask questions and assist you with your understanding of the advice process and any recommendations made. Please be aware that calls to and from our offices are recorded, will form part of our client records and may be used for training purposes.

Your aims and objectives. Unless we notify you in writing to the contrary, we will be treating you as a “‘retail client” ’ for investment business. This means that you are afforded the highest level of protection under the regulatory system and should have the right to take any complaint to the Financial Ombudsman Service. Any advice or recommendation that we offer to you, you will only be given after we have assessed your needs and considered your financial objectives and attitude to any risks that may be involved. We will also take into account any restrictions that you wish to place on the type of products you would be willing to consider. We With very few exceptions, we will confirm to you in writing the basis of our recommendations along with details of any special risks associated with the products recommended. Full details of the products we recommend to you including, for example, the minimum duration of the product, information on your right to cancel or whether no right to cancel exists, and any other early termination rights and penalties, will be covered in the relevant product disclosure information you will receive before conclusion of any contract. We will issue any documentation/recommendations and any other communication to you in English (unless agreed otherwise). We may also, on occasion, advise on other financial products which are not regulated by the FCA under the Financial Services and Markets Act 2000. The Financial Services Compensation Scheme does not apply to any of these products, but we will confirm this to you in writing. We are committed to providing the highest standard of financial advice and service possible. The interest of our clients is paramount to us and to achieve this we have designed our systems and procedures to place you at the heart of our business. In doing so, we will: • be open, honest and transparent in the way we deal with you; • not place our interests above yours; • communicate clearly, promptly and without jargon; • seek your views and perception of our dealings with you to ensure we meet your expectations or to identify any improvements required. If you feel that you would like to bring along to any meeting, a friend, relative or professional adviser, Pension Income Planning Ltd are happy to accommodate this. We appreciate that discussions on financial advice can seem daunting and you are welcome to bring someone with you who may also ask questions and assist you with your understanding of the advice process and any recommendations made. Please be aware that calls to and from our offices are recorded, will form part of our client records and may be used for training purposes.;