Common use of Ongoing Service Clause in Contracts

Ongoing Service. Depending on the size and complexity of your portfolio once in place, you may or may not require ongoing management services. It is important to be aware that, in the absence of a specific agreement to provide you with ongoing services, your portfolio and goals will not be monitored unless you contact us to ask for a specific service. Should you wish us to monitor your ongoing position and ensure the advice given remains suitable; we will agree an appropriate service offering? The benefits of agreeing to an ongoing service arrangement will include access to your adviser throughout the term of your agreement. • Annual review of your pensions and investments. • We will ensure that following completion and analysis of the initial Risk Profile Questionnaire that the investment solution we recommend to you will continue to reflect your chosen Attitude to Risk (ATR), benefiting you by reducing the volatility of your portfolio overtime whilst attempting to maximise the return produced by your portfolio within the parameters of your ATR. • Providing factual information to assist you to make sound financial decisions. • Investment management and rebalancing according to a set asset allocation. • Determining an efficient asset allocation appropriate to your specified risk profile. • Ongoing review of the allocation of cash, bonds, equities and alternative investments in line with your objectives. • Continued monitoring of the investment managers used in the construction of your portfolio. • Managing liquidity requirements for planned or unplanned withdrawals. • Determining and rebasing your risk tolerance. • Dealing with correspondence and administrative issues on your behalf. • Regular contact with you throughout the year as required. • Helping you in minimising the taxation of your investments/pensions – especially in regard to Income Tax, Capital Gains Tax and Inheritance Tax. • Recommending that you have up-to-date ▇▇▇▇▇ in place and have considered Powers of Attorney. • Advising on how your estate can be distributed in the most tax-efficient way possible. • Simplifying all administration by operating on one platform, if appropriate. • Keeping investment costs to a minimum by operating on one platform, if appropriate. • Providing a summary valuation of your investment annually. • Continual focus on what you most want to get out of your life, with a view to helping you reach your goals. 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. Specific warnings relevant to the investments, investment strategies or other products we recommend will be confirmed to you in your suitability report. ▇▇▇▇▇▇ & Company Financial Services (Petersfield) Ltd nor its employees or advisers are qualified to render legal or accounting advice or to prepare any legal or accounting documents. It is hereby understood and agreed that the onus is on you the client to refer to a solicitor or accountant any point of law or accountancy that may arise during the course of discussions with us. Our standard minimum fee is £1,000 for standard advice. For more complex advice such as Defined Benefit Pension Transfer Advice, Inheritance Tax Planning and Complex Investment Advice our minimum fee is £2,500. Should we undertake initial research towards your goals and discuss our initial findings, but you subsequently decide not to continue with our advice services and do not proceed with our report stage we will raise an invoice for the agreed minimum fee to recoup our costs to this stage. The full fee remains the same whether we recommend alternative products or utilise your existing schemes to achieve your objectives, our aim will be to fulfil your needs as effectively and efficiently as possible. Our fees may be deducted from funds we invest on your behalf or, if preferred, we will raise an invoice for you to pay either by cheque or bank transfer. You will always be given the choice as to how you would like to pay for the services we deliver to you and we will always advise you of the most tax-efficient way these fees can be paid. Where the implementation of our recommendations includes protection products and general insurance products our costs are normally met by commission from the chosen product provider. Should you decide to continue with our advice services after our initial evaluation we will normally charge you an initial fee based on the complexity of the case and the financial risk involved and this will normally be between 1% and 3% of any capital invested but where this exceeds the recommendation fee only the higher of the fees will be charged.

Ongoing Service. Depending on the size and complexity of your portfolio once in place, you may or may not require ongoing management services. It is important to be aware that, in the absence of a specific agreement to provide you with ongoing services, your portfolio and goals will not be monitored unless you contact us to ask for a specific service. Should you wish us to monitor your ongoing position and ensure the advice given remains suitable; we will agree an appropriate service offering? The benefits of agreeing to an ongoing service arrangement will include access to your adviser throughout the term of your agreement. • Annual review of your pensions and investments. • We will ensure that following completion and analysis of the initial Risk Profile Questionnaire that the investment solution we recommend to you will continue to reflect your chosen Attitude to Risk (ATR), benefiting you by reducing the volatility of your portfolio overtime whilst attempting to maximise the return produced by your portfolio within the parameters of your ATR. • Providing factual information to assist you to make sound financial decisions. • Investment management and rebalancing according to a set asset allocation. • Determining an efficient asset allocation appropriate to your specified risk profile. • Ongoing review of the allocation of cash, bonds, equities and alternative investments in line with your objectives. • Continued monitoring of the investment managers used in the construction of your portfolio. • Managing liquidity requirements for planned or unplanned withdrawals. • Determining and rebasing your risk tolerance. • Dealing with correspondence and administrative issues on your behalf. • Regular contact with you throughout the year as required. • Helping you in minimising the taxation of your investments/pensions – especially in regard to Income Tax, Capital Gains Tax and Inheritance Tax. • Recommending that you have up-to-date ▇▇▇▇▇ in place and have considered Powers of Attorney. • Advising on how your estate can be distributed in the most tax-efficient way possible. • Simplifying all administration by operating on one platform, if appropriate. • Keeping investment costs to a minimum by operating on one platform, if appropriate. • Providing a summary valuation of your investment annually. • Continual focus on what you most want to get out of your life, with a view to helping you reach your goals. 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. Specific warnings relevant to the investments, investment strategies or other products we recommend will be confirmed to you in your suitability report. ▇▇▇▇▇▇ & Company Financial Services (Petersfield) Ltd nor its employees or advisers are qualified to render legal or accounting advice or to prepare any legal or accounting documents. It is hereby understood and agreed that the onus is on you the client to refer to a solicitor or accountant any point of law or accountancy that may arise during the course of discussions with us. Our standard minimum fee is £1,000 for standard advice. For more complex advice such as Defined Benefit Pension Transfer Advice, Inheritance Tax Planning and Complex Investment Advice our minimum fee is £2,500. Should we undertake initial research towards your goals and discuss our initial findings, but you subsequently decide not to continue with our advice services and do not proceed with our report stage we will raise an invoice for the agreed minimum fee to recoup our costs to this stage. The full fee remains the same whether we recommend alternative products or utilise your existing schemes to achieve your objectives, our aim will be to fulfil your needs as effectively and efficiently as possible. Our fees may be deducted from funds we invest on your behalf or, if preferred, we will raise an invoice for you to pay either by cheque or bank transfer. You will always be given the choice as to how you would like to pay for the services we deliver to you and we will always advise you of the most tax-efficient way these fees can be paid. Where the implementation of our recommendations includes protection products and general insurance products our costs are normally met by commission from the chosen product provider. Should you decide to continue with our advice services after our initial evaluation we will normally charge you an initial fee based on the complexity of the case and the financial risk involved and this will normally be between 1% and 3% of any capital invested but where this exceeds the recommendation fee only the higher of the fees will be charged.