Common use of Bespoke Clause in Contracts

Bespoke. If the above service level offerings are not sufficient for you, we can provide a tailor-made service based on your requirements. For example, we can offer more frequent meetings and valuations, bespoke investment management from a discretionary investment manager or assistance with taxation, ▇▇▇▇▇ and trusts through our strategic legal and tax partners. Our Advanced ongoing service is available to clients with at least £150,000 to invest, but this minimum is subject to our discretion. The service will consist of the following: • Annual review meeting including the following: o assessment of performance against objectives & benchmark o review of cashflow forecast o review of personal & financial circumstances o identify any changes in goals and aspirations o update risk profile o adjustment of cashflow and financial plans accordingly o review of legislative changes & their impact o tax planning • Comprehensive annual review report encompassing all tax wrappers • Portfolios reviewed on a quarterly basis through our Investment Committee • Access to your valuation at any time via our Client Portal • Consolidated valuation twice yearly using market leading technology • Portfolio Performance measured against relevant benchmarks • Access to Financial Planner by telephone and email We offer all new clients an initial meeting which is at our expense and without any obligation. This would typically take place in our offices in the City of London Following this first meeting, we will write to you with a personalised engagement letter which confirms the services we can provide and the exact costs of these services. We charge fixed fees for our initial advice, which will be determined by the complexity of the situation and the level of service you require We charge a fee for the advice, which would be payable whether or not you proceed with the recommendation, and a separate implementation fee, if you decide to proceed. If you opted for our Financial Planning Service, there would be a fixed fee ranging from £3,000 upwards, depending on the complexity of the situation. In addition, there would be an implementation fee for setting up a new investment and/or pension product, and this fee would be calculated with reference to the size of the investment. If you opted for a Focused Financial Review on one area, our fees would start at £1,000. The fees above are examples only. The exact amount will be calculated and quoted to you after our initial meeting. If you want us to carry out a piece of advisory work with no investment or pension recommendation likely to result from the advice, we will either charge an hourly rate or we can agree a fixed fee at the outset. Our fees are as follows: • Adviser - £350 per hour • Administrator - £175 per hour If you have less than £150,000 to invest, but require ongoing service, we will provide the Standard Service outlined above. The fee will be a fixed amount of £500 per annum. If you require a meeting, then this will be subject to a separate fee. If you have more than £150,000 to invest and opt for our Advanced Financial Planning Service, then the ongoing fee will be equal to 0.75% per annum of the value of the portfolio. For example, if you invest £200,000, the ongoing fee will be £1,500 per annum. Depending on the solution recommended, there may be an additional investment management fee. For example, if we used a discretionary investment manager, this fee could be an additional 0.20% plus VAT which is 0.24% per annum, based on VAT at 20%. If you invest £200,000 this is an additional ongoing fee of £480 per annum. This fee would be payable directly to the investment manager, not to ▇▇▇▇▇▇ ▇▇▇▇▇ & Winter. For the Advanced Financial Planning Service, the combined fee would be 0.99%. So, for example, if you invested £200,000, the ongoing fee would be £1,980 per annum. Where the fee is percentage-based, as the portfolio size increases, so will the fee payable. The cost of our Bespoke Service will depend on the level of work required and will be assessed on a case-by-case basis. If you transfer existing policies to us to manage, such as single premium investment bonds or pension plans, and these polices pay an ongoing commission, then we will instruct the insurance company to pay us the ongoing commission as payment for our Ongoing Service. Provided the commission is in line with our ongoing fees, we will not charge an additional fee for managing these policies. We will instead receive the commission payments from the insurance company. You can pay our initial fees using a deduction from a financial product you invest in, by cheque or by bank transfer. We do not accept payments by card or in cash. Please note that if you choose to pay by asking us to make a deduction from the financial product, this could reduce the amount invested. Our charges will become payable upon completion of our work and should be settled within 28 working days from the date of the invoice.

Bespoke. If the above service level offerings are not sufficient for you, we can provide a tailor-made service based on your requirements. For example, we can offer more frequent meetings and valuations, bespoke investment management from a discretionary investment manager or assistance with taxation, ▇▇▇▇▇ and trusts through our strategic legal and tax partners. Our Advanced ongoing service is available to clients with at least £150,000 to invest, but this minimum is subject to our discretion. The service will consist of the following: • Annual review meeting including the following: o assessment of performance against objectives & benchmark o review of cashflow forecast o review of personal & financial circumstances o identify any changes in goals and aspirations o update risk profile o adjustment of cashflow and financial plans accordingly o review of legislative changes & their impact o tax planning • Comprehensive annual review report encompassing all tax wrappers • Assessment of performance against objectives • Review of cashflow forecast • Review of personal & financial circumstances • Identification of any changes in goals and aspirations • Update risk profile • Adjustment of cashflow and financial plan accordingly Throughout the year, as part of our investment process: • Portfolios reviewed on a quarterly basis through our Investment Committee • Access to your valuation at any time via Portfolios monitored and researched by Square Mile who report into our Client Portal • Consolidated valuation twice yearly using market leading technology • Portfolio Performance measured against relevant benchmarks Investment Committee In addition: • Access to Financial Planner by telephone and email • Access to our client portal the PR&W Finance Hub, providing a range of benefits, including: - secure messaging - instant access to the latest available valuations for your accounts, including external accounts, unrelated to PR&W - electronic signatures via DocuSign wherever possible • Review of legislative changes & their impact • Use of available tax allowances We offer all new clients an initial meeting which is at our expense and without any obligation. This would typically take place in our offices in the City of London Following this first meeting, we will write to you with a personalised engagement letter which confirms the services we can provide and the exact costs of these services. We charge fixed fees for our initial advice, which will be determined by the complexity of the situation and the level of service you require We charge a fee for the advice, which would be payable whether or not you proceed with the recommendation, and a separate implementation fee, if you decide to proceed. If you opted for our Financial Planning Service, there would be a fixed fee ranging from £3,000 upwards, depending on the complexity of the situation. In addition, there would be an implementation fee for setting up a new investment and/or pension product, and this fee would be calculated with reference to the size of the investment. If you opted for a Focused Financial Review on one area, our fees would start at £1,000. The fees above are examples only. The exact amount will be calculated and quoted to you after our initial meeting. If you want us to carry out a piece of advisory work with no investment or pension recommendation likely to result from the advice, we will either charge an hourly rate or we can agree a fixed fee at the outset. Our fees are as follows: • Adviser - £350 per hour • Administrator - £175 per hour If you have less than £150,000 to invest, but require ongoing service, we will provide the Standard Service outlined above. The fee will be a fixed amount of £500 per annum. If you require a meeting, then this will be subject to a separate fee. If you have more than £150,000 to invest and opt for our Advanced Financial Planning Service, then the ongoing fee will be equal to 0.75% per annum of the value of the portfolio. For example, if you invest £200,000, the ongoing fee will be £1,500 per annum. Depending on the solution recommended, there may be an additional investment management fee. For example, if we used a discretionary investment manager, this fee could be an additional 0.20% plus VAT which is 0.24% per annum, based on VAT at 20%. If you invest £200,000 this is an additional ongoing fee of £480 400 per annum. This fee would be payable directly to the investment manager, not to ▇▇▇▇▇▇ ▇▇▇▇▇ & Winter. For the Advanced Financial Planning Service, the combined fee would be 0.990.95%. So, for example, if you invested £200,000, the ongoing fee would be £1,980 1,900 per annum. Where the fee is percentage-based, as the portfolio size increases, so will the fee payable. The cost of our Bespoke Service will depend on the level of work required and will be assessed on a case-by-case basis. If you transfer existing policies to us to manage, such as single premium investment bonds or pension plans, and these polices pay an ongoing commission, then we will instruct the insurance company to pay us the ongoing commission as payment for our Ongoing Service. Provided the commission is in line with our ongoing fees, we will not charge an additional fee for managing these policies. We will instead receive the commission payments from the insurance company. You can pay our initial fees using a deduction from a financial product you invest in, by cheque or by bank transfer. We do not accept payments by card or in cash. Please note that if you choose to pay by asking us to make a deduction from the financial product, this could reduce the amount invested. Our charges will become payable upon completion of our work and should be settled within 28 working days from the date of the invoice.

Bespoke. If the above service level offerings are not sufficient for you, we can provide a tailor-made service based on your requirements. For example, we can offer more frequent meetings and valuations, bespoke investment management from a discretionary investment manager or assistance with taxation, ▇▇▇▇▇ and trusts through our strategic legal and tax partners. Our Advanced ongoing service is available to clients with at least £150,000 to invest, but this minimum is subject to our discretion. The service will consist of the following: • Annual review meeting including the following: o assessment of performance against objectives & benchmark o review of cashflow forecast o review of personal & financial circumstances o identify any changes in goals and aspirations o update risk profile o adjustment of cashflow and financial plans accordingly o review of legislative changes & their impact o tax planning • Comprehensive annual review report encompassing all tax wrappers • Assessment of performance against objectives • Review of cashflow forecast • Review of personal & financial circumstances • Identification of any changes in goals and aspirations • Update risk profile • Adjustment of cashflow and financial plan accordingly Throughout the year, as part of our investment process: • Portfolios reviewed on a quarterly basis through our Investment Committee • Access to your valuation at any time via Portfolios monitored and researched by Square Mile who report into our Client Portal • Consolidated valuation twice yearly using market leading technology • Portfolio Performance measured against relevant benchmarks Investment Committee In addition: • Access to Financial Planner by telephone and email • Access to our client portal the PR&W Finance Hub, providing a range of benefits, including: - secure messaging - instant access to the latest available valuations for your accounts, including external accounts, unrelated to PR&W - electronic signatures via DocuSign wherever possible • Review of legislative changes & their impact • Use of available tax allowances We offer all new clients an initial meeting which is at our expense and without any obligation. This would typically take place in our offices in the City of London Following this first meeting, we will write to you with a personalised engagement letter which confirms the services we can provide and the exact costs of these services. We charge fixed fees for our initial advice, which will be determined by the complexity of the situation and the level of service you require We charge a fee for the advice, which would be payable whether or not you proceed with the recommendation, and a separate implementation fee, if you decide to proceed. If you opted for our Financial Planning Service, there would be a fixed fee ranging from £3,000 upwards, depending on the complexity of the situation. In addition, there would be an implementation fee for setting up a new investment and/or pension product, and this fee would be calculated with reference to the size of the investment. If you opted for a Focused Financial Review on one area, our fees would start at £1,000. The fees above are examples only. The exact amount will be calculated and quoted to you after our initial meeting. If you want us to carry out a piece of advisory work with no investment or pension recommendation likely to result from the advice, we will either charge an hourly rate or we can agree a fixed fee at the outset. Our fees are as follows: • Adviser - £350 per hour • Administrator - £175 per hour If you have less than £150,000 to invest, but require ongoing service, we will provide the Standard Service outlined above. The fee will be a fixed amount of £500 per annum. If you require a meeting, then this will be subject to a separate fee. If you have more than £150,000 to invest and opt for our Advanced Financial Planning Service, then the ongoing fee will be equal to 0.75% per annum of the value of the portfolio. For example, if you invest £200,000, the ongoing fee will be £1,500 per annum. Depending on the solution recommended, there may be an additional investment management fee. For example, if we used a discretionary investment manager, this fee could be an additional 0.20% plus VAT which is 0.24% per annum, based on VAT at 20%. If you invest £200,000 this is an additional ongoing fee of £480 per annum. This fee would be payable directly to the investment manager, not to ▇▇▇▇▇▇ ▇▇▇▇▇ & Winter. For the Advanced Financial Planning Service, the combined fee would be 0.99%. So, for example, if you invested £200,000, the ongoing fee would be £1,980 per annum. Where the fee is percentage-based, as the portfolio size increases, so will the fee payable. The cost of our Bespoke Service will depend on the level of work required and will be assessed on a case-by-case basis. If you transfer existing policies to us to manage, such as single premium investment bonds or pension plans, and these polices pay an ongoing commission, then we will instruct the insurance company to pay us the ongoing commission as payment for our Ongoing Service. Provided the commission is in line with our ongoing fees, we will not charge an additional fee for managing these policies. We will instead receive the commission payments from the insurance company. You can pay our initial fees using a deduction from a financial product you invest in, by cheque or by bank transfer. We do not accept payments by card or in cash. Please note that if you choose to pay by asking us to make a deduction from the financial product, this could reduce the amount invested. Our charges will become payable upon completion of our work and should be settled within 28 working days from the date of the invoice.