Common use of Advice Services Clause in Contracts

Advice Services. The firm is authorised to advise on and arrange Life Assurance, Pensions, Collective Investments, Individual Saving Accounts. We are bound by the rules of the FSA. We offer advice on an “Independent” basis. This means that we provide unbiased, unrestricted advice based on a comprehensive and fair analysis of the relevant market, giving due consideration to the full range of retail investment, pension and life products available in the marketplace which may be suitable for you. We offer a variety of advice options including:  No Advice (for one-off transactions instructed by you)  Limited Advice (approaching limited aspects of financial planning only)  Full Advice (Full Financial Review based on all aspects of financial planning) By signing these terms of business, you are giving your adviser permission to accept paper, electronic and verbal instructions to transact business on your behalf. This will be especially relevant to switching investment funds. Verbal instructions will only be taken where the advising firm has call recording facilities. Any instruction received will be considered genuinely given and duly authorised.

Advice Services. The firm is authorised to advise on and arrange Life Assurance, Pensions, Collective Investments, Individual Saving Accounts. We are bound by the rules of the FSAFCA. We offer advice on an “Independent” basis. This means that we provide unbiased, unrestricted advice based on a comprehensive and fair analysis of the relevant market, giving due consideration to the full range of retail investment, pension and life products available in the marketplace which may be suitable for you. We offer a variety of advice options including:  No Advice Ø Execution only (for one-off transactions instructed by you)  Ø Limited Advice (approaching limited aspects of financial planning only)  Ø Full Advice (Full Financial Review based on all aspects of financial planning) By signing these terms of business, you are giving your adviser permission to accept paper, electronic and verbal instructions to transact business on your behalf. This will be especially relevant to switching investment funds. Verbal instructions will only be taken where the advising firm has call recording facilities. Any instruction received will be considered genuinely given and duly authorised.