Common use of For Retail Clients Clause in Contracts

For Retail Clients. Unless you receive confirmation in writing to the contrary, in all our dealings on investment matters you will be treated as a Retail Client. 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 (FOS). Xxxxxxx Xxxxxxxx Independent Financial Advisers Limited. Registered address Xxxxxxx Xxxxxxxx Xxxxx, Xxxxxxxxxxx Xxxxx, Xxxx Xxxxxx, Xxxxxx in Xxxxx, X00 0XX. Registered in England. Reg No 05069224 Client Agreement Document January 2018 Where we have categorised you other than as a ‘retail client’, you may request re-categorisation under a client category which benefits from a higher degree of protection. However, we reserve the right to agree to such a re-categorisation on a case-by-case basis, and where we agree to do so it does not necessarily mean that you will have a right of access to the Financial Ombudsman Service. Further information in respect of the Financial Ombudsman Service is available on their website at the address below: xxxx://xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx/ MODE OF COMMUNICATION We will enter into communication with you through whatever means are convenient to you and us, including face-to-face, telephone, e-mail and other acceptable electronic communication methods. Our communications will ordinarily be in English, both in respect of oral and written communications. We are required by our regulators (the FCA) to keep records of any telephone conversations or other electronic communications with our clients in relation to the arranging of transactions in investments that are categorised as financial instruments. The term ‘electronic communication’ covers many categories of communications and includes (amongst others) video conferencing, fax email, Bloomberg mail, SMS, business to business devices, chat, instant messaging and mobile devices applications. A copy of our recording policy is available upon request. INVESTMENT OBJECTIVES & RESTRICTIONS Following the issue of this document, any subsequent advice or recommendation offered to you will be based on your stated investment objectives, agreed level of risk you are prepared / able to take and any restrictions you wish to place on the type of investments or policies you are willing to consider. Details of your stated investment objectives will be identified during our discussions with you and confirmed within the suitability report that we will issue to you to confirm our recommendation(s). Unless confirmed in writing, to the contrary, we will assume that you do not wish to place any restrictions on the advice we give you.

For Retail Clients. Unless you receive confirmation in writing to the contrary, in all our dealings on investment matters you will be treated as a Retail Client. 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 (FOS). Xxxxxxx Xxxxxxxx Independent Financial Advisers Limited. Registered address Xxxxxxx Xxxxxxxx Xxxxx, Xxxxxxxxxxx Xxxxx, Xxxx Xxxxxx, Xxxxxx in Xxxxx, X00 0XX. Registered in England. Reg No 05069224 Client Agreement Document January 2018 Where we have categorised you other than as a ‘retail client’, you may request re-categorisation under a client category which benefits from a higher degree of protection. However, we reserve the right to agree to such a re-categorisation on a case-by-case basis, and where we agree to do so it does not necessarily mean that you will have a right of access to the Financial Ombudsman Service. Further information in respect of the Financial Ombudsman Service is available on their website at the address below: xxxx://xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx/ MODE OF COMMUNICATION We will enter into communication with you through whatever means are convenient to you and us, including face-to-face, telephone, e-mail and other acceptable electronic communication methods. Our communications will ordinarily be in English, both in respect of oral and written communications. We are required by our regulators (the FCA) to keep records of any telephone conversations or other electronic communications with our clients in relation to the arranging of transactions in investments that are categorised as financial instruments. Please note that for telephone conversations the records will be retained with file notes. The term ‘electronic communication’ covers many categories of communications and includes (amongst others) video conferencing, fax email, Bloomberg mail, SMS, business to business devices, chat, instant messaging and mobile devices applications. A copy of our call recording policy is available upon request. INVESTMENT OBJECTIVES & RESTRICTIONS Following the issue of this document, any subsequent advice or recommendation offered to you will be based on your stated investment objectives, agreed level of risk you are prepared / able to take and any restrictions you wish to place on the type of investments or policies you are willing to consider. Details of your stated investment objectives will be identified during our discussions with you and confirmed within the suitability report that we will issue to you to confirm our recommendation(s). Unless confirmed in writing, to the contrary, we will assume that you do not wish to place any restrictions on the advice we give you.

For Retail Clients. Unless you receive confirmation in writing to the contrary, in all our dealings on investment matters you will be treated as a Retail Client. 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 (FOS). Xxxxxxx Xxxxxxxx Independent Financial Advisers Limited. Registered address Xxxxxxx Xxxxxxxx Xxxxx, Xxxxxxxxxxx Xxxxx, Xxxx Xxxxxx, Xxxxxx in Xxxxx, X00 0XX. Registered in England. Reg No 05069224 Client Agreement Document January 2018 Where we have categorised you other than as a ‘retail client’, you may request re-re- categorisation under a client category which benefits from a higher degree of protection. However, we reserve the right to agree to such a re-categorisation on a case-by-case basis, and where we agree to do so it does not necessarily mean that you will have a right of access to the Financial Ombudsman Service. Further information in respect of the Financial Ombudsman Service is available on their website at the address below: xxxx://xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx/ MODE CAPTURING YOUR NEEDS We are committed to providing you with a service that meets with your individual needs. To enable us to achieve this objective it is important that you are open and xxxxx with us and provide us with all of the necessary information that we will need to deliver a service that reflects your needs. This will enable us to identify products and services that best meet with your personal circumstances. It will also help us to identify any specific needs regarding the methods by which we deliver our services to you. This may include additional ways of communication to those that we usually use as set out in the next section entitled “means of communication”. For example, if you need information in large font due to sight difficulties, we can provide you with that. Further information on how we collect and use your personal data is set out in the separate Data Privacy Notice that we have issued to you. MEANS OF COMMUNICATION We will enter into communication with you through whatever means are convenient to you and us, including face-to-face, telephone, paper, e-mail and other acceptable electronic communication methods. This information will be provided free of charge. Our communications will ordinarily be in English, both in respect of oral and written communications. You may at any time choose to request information in paper and free of charge that has previously been provided to you by means other than paper. For example, where a communication was originally sent by email. You may at any time choose to change your preferences as to how we communicate with you. However, where you choose to do this, we will require you to confirm this change in writing to us. RECORDS OF COMMUNICATION We are required by our regulators (the FCA) to keep records of any telephone conversations or other electronic communications with our clients in relation to the arranging of transactions in investments that are categorised as financial instruments. The term ‘electronic communication’ covers many categories of communications and includes (amongst others) video conferencing, fax fax, email, Bloomberg mail, SMS, business to business devices, chat, instant messaging and mobile devices applications. A copy of our call recording policy is available upon request. INVESTMENT OBJECTIVES & RESTRICTIONS Following the issue of this document, any subsequent advice or recommendation offered to you will be based on your stated investment objectives, agreed level of risk you are prepared / prepared/able to take and any restrictions you wish to place on the type of investments or policies you are willing to consider. Details of your stated investment objectives will be identified during our discussions with you and confirmed within the suitability report that we will issue to you to confirm our recommendation(s)recommendations. Unless confirmed in writing, to the contrary, we will assume that you do not wish to place any restrictions on the advice we give you.

For Retail Clients. Unless you receive confirmation in writing to the contrary, in all our dealings on investment matters you will be treated as a Retail Client. 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 (FOS). Xxxxxxx Xxxxxxxx Independent Financial Advisers Limited. Registered address Xxxxxxx Xxxxxxxx Xxxxx, Xxxxxxxxxxx Xxxxx, Xxxx Xxxxxx, Xxxxxx in Xxxxx, X00 0XX. Registered in England. Reg No 05069224 Client Agreement Document January 2018 Where we have categorised you other than as a ‘retail client’, ’ you may request re-categorisation under a client category which benefits from a higher degree of protection. However, we reserve the right to agree to such a re-categorisation on a case-by-case basis, and where we agree to do so it does not necessarily mean that you will have a right of access to the Financial Ombudsman Service. Further information in respect of on the Financial Ombudsman Service is available on their website at the address belowfollowing address: xxxx://xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx/ MODE OF COMMUNICATION Means of communication We will enter into communication with you through whatever means are convenient to you and us, including face-to-face, telephone, e-mail email and other acceptable electronic communication methods. This information will be provided free of charge. Our communications will ordinarily be in English, both in respect of oral and written communications. You may at any time choose to request information in paper and free of charge that has previously been provided to you by means other than paper. For example, where a communication was originally sent by email. You may at any time choose to change your preferences as to how we communicate with you. However, where you choose to do this, we will require you to confirm this change in writing to us. Records of communications We are required by our regulators (the FCA) to keep records of any telephone conversations or other electronic communications with our clients in relation to the arranging of transactions in investments that are categorised as financial instruments. The term ‘electronic communication’ covers many categories of communications and includes (amongst others) video conferencing, fax fax, email, Bloomberg mail, SMS, business to business devices, chat, instant messaging and mobile devices devises applications. A copy of our call recording policy is available upon on request. INVESTMENT OBJECTIVES Investment objectives & RESTRICTIONS restrictions Following the issue of this document, any subsequent advice or recommendation offered to you will be based on your stated investment objectives, agreed level of risk you are prepared / prepared/able to take and any restrictions you wish to place on the type of investments or policies you are willing to consider. Details of your stated investment objectives will be identified during our discussions with you and confirmed within the suitability report that we will issue to you to confirm our recommendation(s). Unless confirmed in writing, to the contrary, we will assume that you do not wish to place any restrictions on the advice we give you. Client’s risk You are advised that because investments can fall as well as rise, you may not get back the full amount invested. Past performance is not a guide to future performance. How we charge you for our services The method of paying for our services will depend on the type / level of service(s) provided. We will discuss your payment options with you and answer any questions you may have. If you choose to pay an adviser charge, we will agree the basis, frequency and method of any charges to you in writing before we carry out any work that you will be charged for. We will not charge you for anything until you have agreed on how much we are to be paid. We will inform you if you have to pay VAT. Advised services For advised services, you will be charged an adviser charge. The actual amount will depend on the service(s) provided to you and the amount will be agreed with you before we carry out any work that we will charge you for. Our ‘Fee Agreement’ that we will issue to you, will contain details of how much you will be charged and how payment is to be made. Non-advised services For non-advised services, if commission is available to us, you can choose to pay us by allowing us to keep the commission, or by paying us an adviser charge instead. If you choose to pay via commission, we will tell you how much the commission is before the transaction is completed. Accounting to you We will confirm to you in writing the basis or our reasons for recommending any transactions transmitted or executed on your behalf. Where you agree to an ongoing advice we will provide regular reports to you regarding that service. We will also make arrangements for all your investments to be registered in your name unless you first instruct us otherwise in writing. We will forward to you all documents showing ownership of your investments as soon as practicable after we receive them; where a number of documents relating to a series of transactions is involved, we will normally hold each document until the series is complete and then forward them to you. Nominee & safe custody services Bourne Xxxxxx Xxxxxxx Limited does not safeguard or administer client assets but we may arrange business through platforms, which will provide custody services for your assets. Where this is the case, the legal title of investments will be registered in the name of the third party’s nominee. Transactions will be transmitted to the fund supermarket, investment wrap platform, or similar third party investment institution for them to execute. Money or transferred assets will be placed immediately with that third party for investment – we will never hold the assets for you. We will provide you with the relevant account opening details for the identified third party such as their Terms & Conditions, Nominee and Safe Custody Service, Best Execution Policy, Execution Venues and Conflicts of Interest Policy (or equivalent documents). The legal title of investments will be in the name of the third party’s nominee. For non-platform business we will make arrangements for your investments to be registered in your name unless you first instruct us otherwise in writing.