Common use of Our Services Clause in Contracts

Our Services. As insurance intermediaries we generally act as the agent of our client. We are subject to the law of agency, which imposes various duties on us. However, in certain circumstances we may act for and owe duties of care to other parties, including the insurer. We will advise you when these circumstances occur, so you will be aware of any possible conflict of interest. We offer a wide range of products and services which may include: • Offering you a single or range of products from which to choose a product that suits your insurance needs; • Advising you on your insurance needs; • Arranging suitable insurance cover with insurers to meet your requirements; • Helping you with any subsequent changes to your insurance you have to make; • Providing all reasonable assistance with any claim you make. In some cases, we act for insurers under a delegated authority agreement and can enter into insurance policies, issue policy documentation and/or handle or settle claims on their behalf. Where we act on behalf of the insurer and not you, we will notify you accordingly and in relation to claims we will advise you of this fact when you notify us of a claim. Notwithstanding this, we endeavour to always act in your best interest. As intermediaries, we offer a wide range of insurance products and have access to many leading insurance companies and the Lloyd’s market. Depending on the type of cover you require and where we have provided advice based on a personal recommendation, we will offer you a policy from either: • a single insurer; • a limited range of insurers; or • a fair analysis that is representative of the insurance market. We will advise you separately as to which of these apply before we arrange your policy and where we have not undertaken a fair analysis of the market, we will provide you with a list of insurers considered. Jensten Retail Consumer Client TOBA Version 1.0 Nov 2021 Policies taken out, amended, or renewed through our online service will be on a non-advised basis. This means sufficient information will be provided for you to make an informed decision about any product purchased online and you should therefore ensure that any policy provides the cover you require and is suitable for your needs. For Motor Vehicle insurance we require customers to pay an additional charge for our claims service – Coversure Claimsline (details are provided in a separate document). This is a “one-stop” service that enables us to assist you with any claim you may incur. The cost of the Coversure Claimsline services will be included in the price quoted to you for the Motor Vehicle insurance and shown separately in your documentation. By purchasing motor insurance from us, you authorise Coversure and its agents to take all necessary actions to handle your claim including dealing with your insurers, third parties and their insurers and other service suppliers on your behalf. For all other policies, including optional additional products and premium finance (if relevant), before the insurance contract is concluded and after we have assessed your demands & needs, we will provide you with advice and make a personal recommendation. This will include sufficient information to enable you to make an informed decision about the policy that we have recommended, together with a quotation which will itemise any fees that are payable in addition to the premium. This documentation will also include a statement of your demands and needs. You should read this carefully as it will explain reasons for making the recommendation we have made.

Our Services. As insurance intermediaries we generally act as the agent of our client. We are subject to the law of agency, which imposes various duties on us. However, in certain circumstances we may act for and owe duties of care to other parties, including the insurer. We will advise you when these circumstances occur, so you will be aware of any possible conflict of interest. We offer a wide range of products and services which may include: • Offering you a single or range of products from which to choose a product that suits your insurance needs; • Advising you on your insurance needs; • Arranging suitable insurance cover with insurers to meet your requirements; • Helping you with any subsequent changes to your insurance you have to make; • Providing all reasonable assistance with any claim you make. In some cases, we act for insurers under a delegated authority agreement and can enter into insurance policies, issue policy documentation and/or handle or settle claims on their behalf. Where we act on behalf of the insurer and not you, we will notify you accordingly and in relation to claims we will advise you of this fact when you notify us of a claim. Notwithstanding this, we endeavour to always act in your best interest. As intermediaries, we offer a wide range of insurance products and have access to many leading insurance companies and the Lloyd’s market. Depending on the type of cover you require and where we have provided advice based on a personal recommendation, we will offer you a policy from either: • a single insurer; • a limited range of insurers; or • a fair analysis that is representative of the insurance market. We will advise you separately as to which of these apply before we arrange your policy and where we have not undertaken a fair analysis of the market, we will provide you with a list of insurers considered. Jensten Retail Consumer Client TOBA Version 1.0 Nov 2021 Policies taken out, amended, or renewed through our online service will be on a non-advised basis. This means sufficient information will be provided for you to make an informed decision about any product purchased online and you should therefore ensure that any policy provides the cover you require and is suitable for your needs. For Motor Vehicle insurance we require customers to pay an additional charge for our claims service – Coversure Claimsline (details are provided in a separate document). This is a “‘‘one-stop” ’’ service that enables us to assist you with any claim you may incur. The cost of the Coversure Claimsline services will be included in the price quoted to you for the Motor Vehicle insurance and shown separately in your documentation. By purchasing motor insurance from us, you authorise Coversure and its agents to take all necessary actions to handle your claim including dealing with your insurers, third parties and their insurers and other service suppliers on your behalf. For all other policies, including optional additional products and premium finance (if relevant), before the insurance contract is concluded and after we have assessed your demands & needs, we will provide you with advice and make a personal recommendation. This will include sufficient information to enable you to make an informed decision about the policy that we have recommended, together with a quotation which will itemise any fees that are payable in addition to the premium. This documentation will also include a statement of your demands and needs. You should read this carefully as it will explain reasons for making the recommendation we have made.

Our Services. As insurance intermediaries we generally act as the agent of our client. We are subject to the law of agency, which imposes various duties on us. However, in certain circumstances we may act for and owe duties of care to other parties, including the insurer. We will advise you when these circumstances occur, so you will be aware of any possible conflict of interest. We offer a wide range of products and services which may include: • Offering you a single or range of products from which to choose a product that suits your insurance needs; • Advising you on your insurance needs; • Arranging suitable insurance cover with insurers to meet your requirements; • Helping you with any subsequent changes to your insurance you have to make; • Providing all reasonable assistance with any claim you make. In some cases, we act for insurers under a delegated authority agreement and can enter into insurance policies, issue policy documentation and/or handle or settle claims on their behalf. Where we act on behalf of the insurer and not you, we will notify you accordingly and in relation to claims we will advise you of this fact when you notify us of a claim. Notwithstanding this, we endeavour to always act in your best interest. As intermediaries, insurance intermediaries we offer a wide range of insurance products and have access to many leading insurance companies and the Lloyd’s market. Depending on the type of cover you require and where we have provided advice based on a personal recommendation, we will offer you a policy from either: • a single insurer; • a limited range of insurers; or • a fair analysis that is representative of the insurance market. We will advise you separately as to which of these apply before we arrange your policy and where we have not undertaken a fair analysis of the market, we will provide you with a list of insurers considered. Jensten Retail Consumer Client TOBA Version 1.0 Nov 2021 We may offer you a policy which is provided by an affiliate in order to access specialist products and we will tell you if this is the case. We have a conflict of interests’ policy in place to identify and manage any conflicts that may arise in the placement of your business. Policies taken outpurchased, amended, amended or renewed through our online service will be on a non-advised basis. This means sufficient information will be provided for you to make an informed decision about any product purchased online and you should therefore ensure that any policy provides the cover you require and is suitable for your needs. For Motor Vehicle insurance we require customers to pay an additional charge for our claims service – Coversure Claimsline (details are provided in a separate document). This is a “one-stop” service that enables us to assist you with any claim you may incur. The cost of the Coversure Claimsline services will be included in the price quoted to you for the Motor Vehicle insurance and shown separately in your documentation. By purchasing motor insurance from us, you authorise Coversure and its agents to take all necessary actions to handle your claim including dealing with your insurers, third parties and their insurers and other service suppliers on your behalf. For all other policies, including optional additional products and premium finance (if relevant), before the insurance contract is concluded and after we have assessed your demands & and needs, we will provide you with advice and make a personal recommendation. This will include sufficient information to enable you to make an informed decision about the policy that we have recommended, together with a quotation which will itemise any fees that are payable in addition to the premium, which you will find detailed in the Statement of Price. This documentation will also include a statement of your demands and needs. You should read this carefully as it will explain reasons for making the recommendation we have made.

Our Services. As independent insurance intermediaries we generally act as the agent of our client. We are subject to the law of agency, which imposes various duties on us. However, in certain circumstances we may act for and owe duties of care to other parties, including the insurer. We will advise you when these circumstances occur, so you will be aware of any possible conflict of interest. We offer a wide range of products and services which may include: • Offering you a single or range of products from which to choose a product that suits your insurance needs; • Advising you on your insurance needs; • Arranging suitable insurance cover with insurers to meet your requirements; • Helping you with any subsequent changes to your insurance you have to make; • Providing all reasonable assistance with any claim you make. In some cases, we act for insurers under a delegated authority agreement and can enter into insurance policies, issue policy documentation and/or handle or settle claims on their behalf. Where we act on behalf of the insurer and not you, we will notify you accordingly and in relation to claims we will advise you of this fact when you notify us of a claim. Notwithstanding this, we endeavour to always act in your best interest. As independent intermediaries, we offer a wide range of insurance products and have access to many leading insurance companies and the Lloyd’s market. Depending on the type of cover you require and where we have provided advice based on a personal recommendation, we will offer you a policy from either: • a single insurer; • a limited range of insurers; or • a fair analysis that is representative of the insurance market. We will advise you separately as to which of these apply before we arrange your policy and where we have not undertaken a fair analysis of the market, we will provide you with a list of insurers considered. Jensten Retail Consumer Client TOBA Version 1.0 Nov 2021 Policies taken out, amended, or renewed through our online service will be on a non-advised basis. This means sufficient information will be provided for you to make an informed decision about any product purchased online and you should therefore ensure that any policy provides the cover you require and is suitable for your needs. For Motor Vehicle insurance we may require customers to pay an additional charge for our claims service – Coversure Claimsline (details are provided in a separate document). This is a “one-stop” service that enables us to assist you with any claim you may incur. The cost of the Coversure Claimsline services will be included in the price quoted to you for the Motor Vehicle insurance and shown separately in your documentation. By purchasing motor insurance from us, you authorise Coversure and its agents to take all necessary actions to handle your claim including dealing with your insurers, third parties and their insurers and other service suppliers on your behalf. For all other policies, including optional additional products and premium finance (if relevant), before the insurance contract is concluded and after we have assessed your demands & needs, we will provide you with advice and make a personal recommendation. This will include sufficient information to enable you to make an informed decision about the policy that we have recommended, together with a quotation which will itemise any fees that are payable in addition to the premium. This documentation will also include a statement of your demands and needs. You should read this carefully as it will explain reasons for making the recommendation we have made.

Our Services. As insurance intermediaries It is important that you know what to expect in terms of the services we generally act as provide, and that you understand our commitment to you in the agent provision of those services. We intend to be professional, clear and fair in our clientdealings with you, always striving to ensure that any service or advice provided is in your best interests. We are subject committed to the law of agencyproviding independent, which imposes various duties personalised, quality advice to our clients on us. However, in certain circumstances we may act for and owe duties of care to other parties, including the insurer. We will advise you when these circumstances occur, so you will be aware of any possible conflict of interest. We offer a wide range of financial matters. We work in partnership with other local professionals to create a comprehensive solution to our clients’ financial needs. We offer advice services for all your needs, from savings and investment for the future, planning for your retirement needs, tax planning, protecting you and your family, as well as general insurance advice. Our aim is to build a relationship that will allow us to fully understand your life plans and ambitions, delivering long‐term support to help you utilise your monies as wisely as possible and to protect you from any nasty surprises in the future. We pride ourselves as financial planners who focus on your aspirations and objectives and will deliver a range of solutions and advice on products that meet your needs where that is appropriate. We provide advice services as opposed to selling products and our fees reflect this and ensure we are not conflicted in the advice we give. Initial Discussion We offer you an initial discussion at our offices to understand your current circumstances and your aspirations, priorities and objectives in terms of your financial future. The initial discussion is at our cost. We will get to know you, give you information on our company, services and costs and agree whether our advice services are appropriate for you. There is no obligation to proceed at this stage, and no costs will have been incurred. Objective Setting & Getting to Know You Once we have agreed the terms on which we are to operate we will proceed to capture important information in more detail about your current financial circumstances, your aspirations, priorities and objectives for the future. We will also discuss your attitude toward ‘investment risk’, analyse your ‘capacity for loss’ and your understanding of how such risks may include: • Offering you affect you. The consultation will close with a single or range summary of products from which to choose our findings, and our suggested next steps toward a product that suits your insurance needs; • Advising you on your insurance needs; • Arranging suitable insurance cover with insurers to meet your requirements; • Helping you with any subsequent changes tailored, yet realistic, solution to your insurance you have to make; • Providing all reasonable assistance with any claim you makeneeds. In some cases, we act for insurers under a delegated authority agreement and can enter into insurance policies, issue policy documentation and/or handle or settle claims on their behalf. Where we act on behalf of the insurer and not youResearch & Analysis At this stage, we will notify you accordingly and in relation begin to claims we will advise you undertake the process of this fact when you notify us of a claim. Notwithstanding this, we endeavour to always act in thoroughly analysing your best interest. As intermediaries, we offer a wide range of insurance products and have access to many leading insurance companies and the Lloyd’s market. Depending on the type of cover you require and where we have provided advice current position based on a personal recommendationour extensive knowledge of financial markets, we will offer you a policy from either: • a single insurer; • a limited range of insurers; or • a fair analysis that is representative of the insurance market. We will advise you separately as to which of these apply before we arrange your policy and where we have not undertaken a fair analysis of the market, we will provide you with a list of insurers considered. Jensten Retail Consumer Client TOBA Version 1.0 Nov 2021 Policies taken out, amended, or renewed through our online service will be on a non-advised basis. This means sufficient information will be provided for you to make an informed decision about any product purchased online and you should therefore ensure that any policy provides the cover you require and is suitable diligently researching potential solutions for your needs. For Motor Vehicle insurance Should we require customers need to pay an additional charge for our claims service – Coversure Claimsline (details are provided in a separate document). This is a “one-stop” service that enables us to assist you consult with any claim professional advisers or financial services providers with whom you may incur. The cost of the Coversure Claimsline services will be included in the price quoted to you for the Motor Vehicle insurance and shown separately in your documentation. By purchasing motor insurance from us, you authorise Coversure and its agents to take all necessary actions to handle your claim including dealing with your insurers, third parties and their insurers and other service suppliers on your behalf. For all other policies, including optional additional products and premium finance (if relevant), before the insurance contract is concluded and after we have assessed your demands & needsan agreement, we will provide you with advice ask for your express consent to do so. The process will identify and make a personal recommendation. This will include sufficient information to enable you to make an informed decision about the policy that we have recommended, together with a quotation which will itemise quantify any fees that are payable gaps in addition to the premium. This documentation will also include a statement of your demands short- and needs. You should read this carefully as it will explain reasons for making the recommendation we have madelonger- term financial objectives.

Our Services. As insurance intermediaries  The services we generally have agreed to provide and the cost of those services are shown in Section 4.  Any products we have arranged for you will only be kept under review as part of an ongoing service for which you have agreed to pay. Our ongoing services are optional, but if you agree to purchase an ongoing service, unless otherwise agreed, the ongoing service will be provided as a follow up to the initial service.  Ongoing services can be cancelled at any time by informing us in writing (see Section 3) but we reserve the right to charge you for services provided before you cancel.  Unless we tell you otherwise, we’ll treat you as a ‘retail client’ for investment business (e.g. pensions, ISAs and other investments) or as a consumer for protection business. This means that you are given the highest level of protection available under the UK’s regulatory system. Our Recommendations  Before providing advice we’ll assess your needs, consider your financial objectives and assess your attitude to any risks that may be involved. If you don’t want to discuss a particular area of financial planning and that area should not form part of the advice given, we can exclude it, if you instruct us to do so. This might of course have a bearing on the advice that might have been given.  We’ll confirm any recommendations we make in writing (our suitability report) along with details of any special risks that may be associated with the products or investment strategies we’ve recommended.  Please be aware that investments can fall, as well as rise, and that you may not get back the full amount invested. The price of investments we may recommend may depend on fluctuations in the financial markets, or other economic factors, which are outside our control. Past performance is not necessarily a guide to future performance.  We may occasionally recommend investments that are not readily realisable. We’ll only do this where appropriate but, if we do, we’ll draw your attention to the risks associated with the investments in our suitability report. There’s a restricted market for such investments and in some circumstances it may not be possible to deal in the investment or obtain reliable information about its value.  We may, where appropriate, recommend holding some, or all, of your investments with a Discretionary Fund Manager (DFM), a professional investment manager appointed to monitor your portfolio and make investment decisions on your behalf. In such cases we’ll explain the respective responsibilities of ourselves and the DFM in relation to your investments. In some circumstances Continuum Wealth Ltd may need to act as your ‘agent’ in relation to the agent part of our your portfolio held with a DFM. This means that you won’t have a direct contractual relationship with the DFM and the DFM will instead treat Continuum Wealth Ltd. as its client. Before setting up this type of arrangement we’ll explain the implications to you.  We are subject advise on mortgage products from the whole of the market. This means that we source the recommended mortgage from the range of mortgages available to “intermediary” firms. Certain lenders may offer products directly to the law public, rather than via an intermediary firm. Accordingly our recommendation to you will be based on the most suitable mortgage product incorporated within the range available to intermediary firms.  If there is a particular mortgage product that you are aware of agencywhich is available directly from a lender that you wish us to review and comment on, we are happy to do so. We may charge you a fee for providing advice in relation to this but would agree this with you at the time. Our Charges  All actual charges and fees will be disclosed to you. We’ll also let you know if there are any other costs that might arise in connection with the services we provide.  In some limited circumstances we may receive commission from a product provider in relation to a financial product we’ve arranged for you. If we are paid by commission we’ll tell you the amount before we carry out business for you. Protecting your Personal Information (Privacy Statement)  To advise you properly we’ll need to collect information about your personal and financial circumstances. The lawful basis on which imposes various duties on uswe may do this is both to fulfil our contract with you and that it is in your legitimate interest for us to do so. If you choose not to share some or all of the information we request, that will impair our ability to give suitable advice. We take your privacy seriously and will only use your personal information to deliver our services. We have designed our procedures to ensure we are in line with the requirements of the Data Protection Act and the General Data Protection Regulations.  Sometimes, we may need to pass your personal information to other organisations (e.g. if you apply to take out a financial product or service we’ll need to pass certain personal details to the product or service provider). We may also have to share information with Regulators, Ombudsmen or other authorities and with IT providers who help us manage your data. Your personal information may be transferred electronically (e.g. by email or over the internet) and we, or any relevant third party, may contact you in future by what we believe to be the most appropriate means of communication at the time (e.g. telephone/ email /letter etc.).  The organisations to whom we may pass your details also have their own obligations to deal with your personal information appropriately. Sometimes a product or service may be administered from a country outside Europe. If this is the case the firm must put a contract in place to ensure that your information is adequately protected.  As part of this agreement we’ll ask you to consent to the transfer of personal information in accordance with the protections outlined above. We will ask you specifically to consent to us holding special category data (sensitive personal information such as biometrics (where used for ID purposes), health, sex life or sexual orientation, these last two only at the request of potential insurers. We will also give you the opportunity to opt-in to marketing activity.  Where you have given consent, you are free to withdraw it at any time and you can ask for data to be deleted. However, we need to point out that we are required by our regulator to hold some information for minimum periods, in certain circumstances some cases indefinitely including records that may be required in the event of a complaint.  You are entitled to ask for a copy of the data we may act for and owe duties of care to other parties, including the insurerhold (known as a Subject Access Request). We will advise provide this to you when within 30 days of the request and there is no charge for providing the information.  You also have the following rights. If you wish to exercise any of them, please contact us. o The right to ask us to rectify any errors in the data we hold o The right to restrict processing – provide it does not conflict with our regulatory requirements o The right to transfer your data to someone else o The right not to be subject to automatic decision making including profiling  If you’re concerned about any aspect of our privacy arrangements please speak to us. Financial Crime  We’re obliged to put in place controls to prevent our business from being used for money laundering and other forms of financial crime.  We’ll verify your identity before undertaking any business with you. To do this we may use electronic identity verification systems and we may conduct these circumstances occurchecks from time to time throughout our relationship, so you will be aware of any possible conflict of interestnot just at the beginning. We offer The check may leave a wide range of products and services which may include: • Offering you a single or range of products from which to choose a product that suits your insurance needs; • Advising you ‘footprint’ on your insurance needs; • Arranging suitable insurance cover with insurers credit file but it won’t affect your credit rating. Best Execution  Where we send investment applications on your behalf to meet your requirements; • Helping you with any subsequent changes third parties (e.g. to your insurance you have to make; • Providing put an investment into force), we’ll take all reasonable assistance with any claim steps to ensure that we obtain the best possible result for you. This is referred to as ‘best execution’.  We have a ‘Best Execution’ policy. If you makewant to see a copy of it please ask us. In some cases, we act for insurers under a delegated authority agreement and can enter into insurance policies, issue policy documentation and/or handle or settle claims on their behalf. Where we act on behalf Conflict of the insurer and not you, we will notify you accordingly and in relation Interests  Although we’ll always try to claims we will advise you of this fact when you notify us of a claim. Notwithstanding this, we endeavour to always act in your best interest. As intermediaries, we offer a wide range of insurance products and have access to many leading insurance companies and the Lloyd’s market. Depending on the type of cover you require and interests there may be situations where we have provided advice based on a personal recommendationor one of our other clients has some form of interest in the business being transacted for you. If this happens or we become aware that our interests or those of one of our other clients conflict with your own interests, we will offer we’ll write to you a policy from either: • a single insurer; • a limited range of insurers; or • a fair analysis that is representative of the insurance market. We will advise you separately as to which of these apply and ask for your consent before we arrange your policy and where we have not undertaken a fair analysis of carry out business for you. We’ll also let you know the market, we will provide you with a list of insurers considered. Jensten Retail Consumer Client TOBA Version 1.0 Nov 2021 Policies taken out, amended, or renewed through our online service will be on a non-advised basis. This means sufficient information will be provided for you steps we’ll take to make an informed decision about any product purchased online and sure you should therefore ensure that any policy provides the cover are treated fairly.  We have a ‘Conflicts of Interest’ policy. If you require and is suitable for your needs. For Motor Vehicle insurance we require customers want to pay an additional charge for our claims service – Coversure Claimsline (details are provided in see a separate document). This is a “one-stop” service that enables us to assist you with any claim you may incur. The cost copy of the Coversure Claimsline services will be included in the price quoted to you for the Motor Vehicle insurance and shown separately in your documentation. By purchasing motor insurance from it please ask us, you authorise Coversure and its agents to take all necessary actions to handle your claim including dealing with your insurers, third parties and their insurers and other service suppliers on your behalf. For all other policies, including optional additional products and premium finance (if relevant), before the insurance contract is concluded and after we have assessed your demands & needs, we will provide you with advice and make a personal recommendation. This will include sufficient information to enable you to make an informed decision about the policy that we have recommended, together with a quotation which will itemise any fees that are payable in addition to the premium. This documentation will also include a statement of your demands and needs. You should read this carefully as it will explain reasons for making the recommendation we have made.

Our Services. As We are an independent insurance intermediaries we generally intermediary, We act as your agent for sourcing and placing insurance business and in the event of you notifying a claim to us. We will act as the insurer’s agent for the purposes of our clientcancelling the policy, collecting or refunding premiums or as otherwise informed. We are subject to the law If your policy is Property Investors policy, with Folgate Insurance Company Limited, a Land Liability, Retail or Office & Surgeries policy, underwritten by Pen Underwriting Limited or is a Let or Unoccupied Property policy underwritten by Canopius Managing Agents on behalf of agencySyndicate 4444, which imposes various duties on us. Howeverwe have delegated underwriting authority, in certain circumstances these cases we may act for and owe duties of care to other parties, including the insurer. We will advise you when these circumstances occur, so you will be aware of any possible conflict of interest. We offer a wide range of products and services which may include: • Offering you a single or range of products from which to choose a product that suits your insurance needs; • Advising you on your insurance needs; • Arranging suitable insurance cover with insurers to meet your requirements; • Helping you with any subsequent changes to your insurance you have to make; • Providing all reasonable assistance with any claim you make. In some cases, we act for insurers under a delegated authority agreement and can enter into insurance policies, issue policy documentation and/or handle or settle claims on their behalf. Where we act are acting on behalf of the insurer and not youas their agent. Please see section 14, we will notify you accordingly and in relation to claims we will advise you Conflicts of this fact when you notify us of a claim. Notwithstanding this, we endeavour to always act in your best interest. As intermediaries, we offer a wide range of insurance products and have access to many leading insurance companies and the Lloyd’s market. Depending on the type of cover you require and where we have provided advice based on a personal recommendation, we will offer you a policy from either: • a single insurer; • a limited range of insurers; or • a fair analysis that is representative of the insurance marketInterests for further details. We will advise you separately as to which of these apply before we arrange your policy and where we have not undertaken offer products after conducting a fair analysis of the market. Sometimes we may only approach a specified number of insurers, known as a panel of insurers, or in some cases we may only approach one insurer. In any event, we will tell you as part of our process and, upon request, we will provide you with a list of the companies that form any panel we have approached on your behalf. In providing our Services, we will assess your demands and needs and use our reasonable skill and care in recommending an insurance product that meets your requirements. If you choose to proceed with our recommendations, we will place the insurance you have chosen with your chosen insurers consideredand issue the policy documentation to you promptly. Jensten Retail Consumer Client TOBA Version 1.0 Nov 2021 Policies taken outIf you purchase a product via the Xxxxxxxxxx.xxx website, amended, or renewed through our online service there will only be a limited number of insurers available. These will be listed on a non-advised basisthe website for the policy you are looking to purchase. This means sufficient For policies purchased via the xxxxxxxxxx.xxx website, we will not provide any advice, but we will provide you with enough information will be provided in order for you to make an informed decision about any product purchased online and as to how you should therefore ensure that any policy provides the cover you require and is suitable for your needs. For Motor Vehicle insurance we require customers wish to pay an additional charge for our claims service – Coversure Claimsline (details are provided in a separate document). This is a “one-stop” service that enables us to assist you with any claim you may incur. The cost of the Coversure Claimsline services will be included in the price quoted to you for the Motor Vehicle insurance and shown separately in your documentation. By purchasing motor insurance from us, you authorise Coversure and its agents to take all necessary actions to handle your claim including dealing with your insurers, third parties and their insurers and other service suppliers on your behalf. For all other policies, including optional additional products and premium finance (if relevant), before the insurance contract is concluded and after we have assessed your demands & needs, we will provide you with advice and make a personal recommendation. This will include sufficient information to enable you to make an informed decision about the policy that we have recommended, together with a quotation which will itemise any fees that are payable in addition to the premium. This documentation will also include a statement of your demands and needs. You should read this carefully as it will explain reasons for making the recommendation we have madeproceed.

Our Services. As insurance intermediaries It is important that you know what to expect in terms of the services we generally act as provide, and that you understand our commitment to you in the agent provision of our clientthose services. We are subject intend to the law be professional, clear, and fair in our dealings with you, and will always ensure that any service or advice provided is in your best interests. Initial Consultation We will meet with you face-to-face in order to capture important information about your current circumstances, your financial history, and your aspirations, priorities and objectives in terms of agency, which imposes various duties on us. However, in certain circumstances we may act for and owe duties of care to other parties, including the insureryour financial future. We will advise you when these circumstances occuralso discuss your attitude toward “investment risk”, so you and your understanding of how such risks may affect you. The consultation will be aware close with a summary of any possible conflict of interest. We offer our findings, and our suggested next steps toward a wide range of products and services which may include: • Offering you a single or range of products from which to choose a product that suits your insurance needs; • Advising you on your insurance needs; • Arranging suitable insurance cover with insurers to meet your requirements; • Helping you with any subsequent changes tailored, yet realistic, solution to your insurance needs. There is no obligation to proceed at this stage, and no costs will have been incurred. Research and Analysis Should you have decide to make; • Providing all reasonable assistance with any claim you make. In some casesproceed, we act for insurers under a delegated authority agreement and can enter into insurance policies, issue policy documentation and/or handle or settle claims on their behalf. Where we act on behalf of the insurer and not youfurther to our initial meeting, we will notify ask you accordingly and in relation to claims formalise your permission for us to commence chargeable work for you by signing this Agreement. At this stage, we will advise begin to undertake the process of thoroughly analysing your current position based on our extensive knowledge of financial markets, and diligently researching potential solutions for your needs. Should we need to consult with any professional advisers or financial services providers with whom you of this fact when you notify us of a claim. Notwithstanding thishave an agreement, we endeavour will ask for your express consent to always act do so. Report Preparation When we have all the information we require, a full Financial Planning Report will be devised to paint a clear picture of your current position, and outline a clear and thoroughly researched recommendation for the solution we believe to be in your best interestinterests. As intermediariesWe will arrange to meet with you to discuss our recommendations in full, and take you through our Report step-by- step. You are free to take the report away and give it due consideration before agreeing to move forward to the next stage. Implementation Once you feel that you are in a position to make a fully informed decision to proceed, and you have given us your consent to do so, we offer will begin the process of implementing our recommendations. We will assist you in completing all of the relevant forms and ensuring your applications are processed by the relevant investment houses and providers in a wide range of insurance products and have access to many leading insurance companies and the Lloyd’s markettimely manner. On- going Services Depending on the type size and complexity of cover your portfolio once in place, you may or may not require and where we have provided advice based on on-going management services. It is important to be aware that, in the absence of a personal recommendationspecific agreement to provide you with on-going services, your portfolio will not be monitored unless you contact us to ask for a specific service. Discretionary Management Facility Where possible, we will offer you the opportunity to run your investments on a policy from either: • a single insurer; • a limited range of insurers; or • a fair analysis discretionary basis, this means that your portfolio will run in real time as there is representative of the insurance market. We will no need to advise you separately as every time an underlying change needs to which be made. The obvious benefit of these this approach is that trading can be done easily and efficiently and dealing charges will, in most cases be reduced. Where you would like to apply before we arrange your policy for this service you will need to sign a discretionary agreement and where we have not undertaken a fair analysis of the market, we will provide inform you with a list of insurers considered. Jensten Retail Consumer Client TOBA Version 1.0 Nov 2021 Policies taken out, amended, or renewed through our online service will be on a non-advised basis. This means sufficient information will be provided for you if there are any additional fees to make an informed decision about any product purchased online and you should therefore ensure that any policy provides the cover you require and is suitable for your needs. For Motor Vehicle insurance we require customers to pay an additional charge for our claims service – Coversure Claimsline (details are provided in a separate document). This is a “one-stop” service that enables us to assist you with any claim you may incur. The cost of the Coversure Claimsline services will be included in the price quoted to you for the Motor Vehicle insurance and shown separately in your documentation. By purchasing motor insurance from us, you authorise Coversure and its agents to take all necessary actions to handle your claim including dealing with your insurers, third parties and their insurers and other service suppliers on your behalf. For all other policies, including optional additional products and premium finance (if relevant), before the insurance contract is concluded and after we have assessed your demands & needs, we will provide you with advice and make a personal recommendation. This will include sufficient information to enable you to make an informed decision about the policy that we have recommended, together with a quotation which will itemise any fees that are payable in addition to the premium. This documentation will also include a statement of your demands and needs. You should read this carefully as it will explain reasons for making the recommendation we have madepay.

Our Services. As insurance intermediaries It is important that you know what to expect in terms of the services we generally act as provide, and that you understand our commitment to you in the agent provision of those services. We intend to be professional, clear and fair in our clientdealings with you, always striving to ensure that any service or advice provided is in your best interests. We are subject committed to the law of agencyproviding independent, which imposes various duties personalised, quality advice to our clients on us. However, in certain circumstances we may act for and owe duties of care to other parties, including the insurer. We will advise you when these circumstances occur, so you will be aware of any possible conflict of interest. We offer a wide range of financial matters. We work in partnership with other local professionals to create a comprehensive solution to our clients’ financial needs. We offer advice services for all your needs, from savings and investment for the future, planning for your retirement needs, tax planning, protecting you and your family, as well as general insurance advice. Our aim is to build a relationship that will allow us to fully understand your life plans and ambitions, delivering long‐term support to help you utilise your monies as wisely as possible and to protect you from any nasty surprises in the future. We pride ourselves as financial planners who focus on your aspirations and objectives and will deliver a range of solutions and advice on products that meet your needs where that is appropriate. We provide advice services as opposed to selling products and our fees reflect this and ensure we are not conflicted in the advice we give. Initial Discussion We offer you an initial discussion at our offices in order to understand your current circumstances and your aspirations, priorities and objectives in terms of your financial future. The initial discussion is at our cost. We will get to know you, give you information on our company, services and costs and agree whether our advice services are appropriate for you. There is no obligation to proceed at this stage, and no costs will have been incurred. Objective Setting & Getting to Know You Once we have agreed the terms on which we are to operate we will proceed to capture important information in more detail about your current financial circumstances, your aspirations, priorities and objectives for the future. We will also discuss your attitude toward ‘investment risk’, analyse your ‘capacity for loss’ and your understanding of how such risks may include: • Offering you affect you. The consultation will close with a single or range summary of products from which to choose our findings, and our suggested next steps toward a product that suits your insurance needs; • Advising you on your insurance needs; • Arranging suitable insurance cover with insurers to meet your requirements; • Helping you with any subsequent changes tailored, yet realistic, solution to your insurance you have to make; • Providing all reasonable assistance with any claim you makeneeds. In some cases, we act for insurers under a delegated authority agreement and can enter into insurance policies, issue policy documentation and/or handle or settle claims on their behalf. Where we act on behalf of the insurer and not youResearch & Analysis At this stage, we will notify you accordingly and in relation begin to claims we will advise you undertake the process of this fact when you notify us of a claim. Notwithstanding this, we endeavour to always act in thoroughly analysing your best interest. As intermediaries, we offer a wide range of insurance products and have access to many leading insurance companies and the Lloyd’s market. Depending on the type of cover you require and where we have provided advice current position based on a personal recommendationour extensive knowledge of financial markets, we will offer you a policy from either: • a single insurer; • a limited range of insurers; or • a fair analysis that is representative of the insurance market. We will advise you separately as to which of these apply before we arrange your policy and where we have not undertaken a fair analysis of the market, we will provide you with a list of insurers considered. Jensten Retail Consumer Client TOBA Version 1.0 Nov 2021 Policies taken out, amended, or renewed through our online service will be on a non-advised basis. This means sufficient information will be provided for you to make an informed decision about any product purchased online and you should therefore ensure that any policy provides the cover you require and is suitable diligently researching potential solutions for your needs. For Motor Vehicle insurance Should we require customers need to pay an additional charge for our claims service – Coversure Claimsline (details are provided in a separate document). This is a “one-stop” service that enables us to assist you consult with any claim professional advisers or financial services providers with whom you may incur. The cost of the Coversure Claimsline services will be included in the price quoted to you for the Motor Vehicle insurance and shown separately in your documentation. By purchasing motor insurance from us, you authorise Coversure and its agents to take all necessary actions to handle your claim including dealing with your insurers, third parties and their insurers and other service suppliers on your behalf. For all other policies, including optional additional products and premium finance (if relevant), before the insurance contract is concluded and after we have assessed your demands & needsan agreement, we will provide you with advice ask for your express consent to do so. The process will identify and make a personal recommendation. This will include sufficient information to enable you to make an informed decision about the policy that we have recommended, together with a quotation which will itemise quantify any fees that are payable gaps in addition to the premium. This documentation will also include a statement of your demands short and needs. You should read this carefully as it will explain reasons for making the recommendation we have madelonger term financial objectives.

Our Services. As insurance intermediaries we generally act as the agent of our client. We are subject to the law of agency, which imposes various duties on us. However, in certain circumstances we may act for and owe duties of care to other parties, including the insurer. We will advise you when these circumstances occur, so you will be aware of any possible conflict of interest. We offer a wide range of products and services which may include: • Offering you a single or range of products from which to choose a product that suits your insurance needs; Arena Business Centre 0 Xxxxxx Xxx Ferndown Wimborne BH21 7UH T E xxx.xxxxxxxxx.xx.xx/xxxxxxxx Advisory Broking Limited T/as Advisory Broking Limited T/as Coversure Insurance Services (Ringwood) is authorised and regulated by the Financial Conduct Authority. Registered Address: 00 Xxxxxxx Xxxx, Xxxxxx, Xxxxxxx, X0 0XX. Registered in England No: 14902641 • Advising you on your insurance needs; • Arranging suitable insurance cover with insurers to meet your requirements; • Helping you with any subsequent changes to your insurance you have to make; • Providing all reasonable assistance with any claim you make. In some cases, we act for insurers under a delegated authority agreement and can enter into insurance policies, issue policy documentation and/or handle or settle claims on their behalf. Where we act on behalf of the insurer and not you, we will notify you accordingly and in relation to claims we will advise you of this fact when you notify us of a claim. Notwithstanding this, we endeavour to always act in your best interest. As intermediaries, we offer a wide range of insurance products and have access to many leading insurance companies and the Lloyd’s market. Depending on the type of cover you require and where we have provided advice based on a personal recommendation, we will offer you a policy from either: • a single insurer; • a limited range of insurers; or • a fair analysis that is representative of the insurance market. We will advise you separately as to which of these apply before we arrange your policy and where we have not undertaken a fair analysis of the market, we will provide you with a list of insurers considered. Jensten Retail Consumer Client TOBA Version 1.0 Nov 2021 Policies taken out, amended, or renewed through our online service will be on a non-advised basis. This means sufficient information will be provided for you to make an informed decision about any product purchased online and you should therefore ensure that any policy provides the cover you require and is suitable for your needs. For Motor Vehicle insurance we require customers to pay an additional charge for our claims service – Coversure Claimsline (details are provided in a separate document). This is a “‘‘one-stop” ’’ service that enables us to assist you with any claim you may incur. The cost of the Coversure Claimsline services will be included in the price quoted to you for the Motor Vehicle insurance and shown separately in your documentation. By purchasing motor insurance from us, you authorise Coversure and its agents to take all necessary actions to handle your claim including dealing with your insurers, third parties and their insurers and other service suppliers on your behalf. For all other policies, including optional additional products and premium finance (if relevant), before the insurance contract is concluded and after we have assessed your demands & needs, we will provide you with advice and make a personal recommendation. This will include sufficient information to enable you to make an informed decision about the policy that we have recommended, together with a quotation which will itemise any fees that are payable in addition to the premium. This documentation will also include a statement of your demands and needs. You should read this carefully as it will explain reasons for making the recommendation we have made.

Our Services. As insurance intermediaries It is important that you know what to expect in terms of the services we generally act as provide, and that you understand our commitment to you in the agent provision of our clientthose services. We are subject intend to the law be professional, clear, and fair in our dealings with you, and will always ensure that any service or advice provided is in your best interests. Initial Consultation We will meet with you face-to-face in order to capture important information about your current circumstances, your financial history, and your aspirations, priorities and objectives in terms of agency, which imposes various duties on us. However, in certain circumstances we may act for and owe duties of care to other parties, including the insureryour financial future. We will advise you when these circumstances occuralso discuss your attitude toward “investment risk”, so you and your understanding of how such risks may affect you. The consultation will be aware close with a summary of any possible conflict of interest. We offer our findings, and our suggested next steps toward a wide range of products and services which may include: • Offering you a single or range of products from which to choose a product that suits your insurance needs; • Advising you on your insurance needs; • Arranging suitable insurance cover with insurers to meet your requirements; • Helping you with any subsequent changes tailored, yet realistic, solution to your insurance needs. There is no obligation to proceed at this stage, and no costs will have been incurred. Research and Analysis Should you have decide to make; • Providing all reasonable assistance with any claim you make. In some casesproceed, we act for insurers under a delegated authority agreement and can enter into insurance policies, issue policy documentation and/or handle or settle claims on their behalf. Where we act on behalf of the insurer and not youfurther to our initial meeting, we will notify ask you accordingly and in relation to claims we will advise formalise your permission for us to commence chargeable work for you of by signing this fact when you notify us of a claimAgreement. Notwithstanding this, we endeavour to always act in your best interest. As intermediaries, we offer a wide range of insurance products and have access to many leading insurance companies and the Lloyd’s market. Depending on the type of cover you require and where we have provided advice based on a personal recommendationAt this stage, we will offer you a policy from either: • a single insurer; • a limited range begin to undertake the process of insurers; or • a fair analysis that is representative thoroughly analysing your current position based on our extensive knowledge of the insurance market. We will advise you separately as to which of these apply before we arrange your policy financial markets, and where we have not undertaken a fair analysis of the market, we will provide you with a list of insurers considered. Jensten Retail Consumer Client TOBA Version 1.0 Nov 2021 Policies taken out, amended, or renewed through our online service will be on a non-advised basis. This means sufficient information will be provided for you to make an informed decision about any product purchased online and you should therefore ensure that any policy provides the cover you require and is suitable diligently researching potential solutions for your needs. For Motor Vehicle insurance Should we require customers need to pay consult with any professional advisers or financial services providers with whom you have an additional charge agreement, we will ask for your express consent to do so. Report Preparation When we have all the information we require, a full Financial Planning Report will be devised to paint a clear picture of your current position, and outline a clear and thoroughly researched recommendation for the solution we believe to be in your best interests. We will arrange to meet with you to discuss our claims service – Coversure Claimsline (details recommendations in full, and take you through our Report step- by-step. You are provided free to take the report away and give it due consideration before agreeing to move forward to the next stage. Implementation Once you feel that you are in a separate document)position to make a fully informed decision to proceed, and you have given us your consent to do so, we will begin the process of implementing our recommendations. We will assist you in completing all of the relevant forms and ensuring your applications are processed by the relevant investment houses and providers in a timely manner. On-going Services Depending on the size and complexity of your portfolio once in place, you may or may not require on-going management services. It is important to be aware that, in the absence of a specific agreement to provide you with on-going services, your portfolio will not be monitored unless you contact us to ask for a specific service. How we charge You will always know our fees before you make a decision to proceed. We don’t hide our costs and have a transparent charging structure, so you can be sure we are working efficiently for your benefit. Our fees are based wholly upon the provision of our qualified and professional expertise; the time taken to analyse your circumstances and devise an appropriate strategy going forward; the design of an appropriate summary report to communicate this strategy to you; and also takes into account our firms exposure to regulatory, commercial and financial risk. Should we undertake initial research towards your goals, but you subsequently do not proceed with our recommendations; we will raise an invoice for an agreed fee in order to recoup our costs. This is a “one-stop” service that enables us payment will need to assist be made by cheque or bank transfer. Should you agree to proceed and we go ahead with any claim the implementation of your strategy, it can be arranged for your total fees to be deducted from the investment amount at outset, via the product provider. Alternatively, you may incurprefer to make your payment to us by cheque or bank transfer. The cost of the Coversure Claimsline services will Your choice can be included made in the price quoted Client Declaration section of this document. Cost of Initial Services Initial Consultation (1st meeting) Free of charge Fees for research, analysis and implementing advice 3% of value of investment, subject to; Minimum fee of £1000 Should you agree to you proceed and we go ahead with the implementation of your strategy, it can be arranged for your total fees to be deducted from the Motor Vehicle insurance investment amount via the product provider. Fees for on-going management services 1% of portfolio value, subject to; Minimum annual fee of £1000 Should we undertake research and shown separately in your documentation. By purchasing motor insurance from us, you authorise Coversure and its agents to take all necessary actions to handle your claim including dealing with your insurers, third parties and their insurers and other service suppliers analysis work on your behalf. For all other policies, including optional additional products and premium finance (if relevant), before the insurance contract is concluded and after we have assessed your demands & needsbut you decide not to take up our recommendations, we will provide reserve the right to charge you with advice and make a personal recommendationfee to cover our time. This will include sufficient information to enable you to make an informed decision about the policy that we have recommendedtypically be represented by a rate of £150 per hour, together with a quotation which minimum fee of £600. We will itemise any estimate the total cost for you in advance of commencing work if you wish. You may ask us not to exceed a specified amount. Scale of Initial Fees Tier 1 Tier 2 Tier 3 Tier 4 £0 - £100,000 £100,001 - £500,000 £500,001 - £1m £1m and over 3% Subject to minimum fee of £1000 (max T1 fee £3,000) 1.5% (max T2 fee £7,500) 1% (max T3 fee £10,000) 0.75% Subject to “Decency charge” – see below “Decency Charge” - regardless of investment holdings, we apply a cap to overall initial charges of £15,000. A sliding scale of fees applies, meaning that the relevant fee or fee percentage is applied progressively. Examples as follows; Example; Client with total funds to invest of £145,000; Tier 1 fee = £3,000 Tier 2 fee (£45k x 1.5%) = £675 Total Fee £3,675 Invoice Procedure Invoices are payable issued within 10 days of either an advice service being finalised and/or presented, or in addition to the premium. This documentation will also include a statement case of Implementation fees, within 10 days of your demands and needsproduct/s being commenced. You should read this carefully as it Our Fees do not include; Will Writing Trusts advice Complex tax calculations/advice For these services, a separate fee will explain reasons for making the recommendation we have madebe agreed with you in advance.