{"component": "clause", "props": {"groups": [{"size": 11, "samples": [{"hash": "abl38eS7yBc", "uri": "/contracts/abl38eS7yBc#ongoing-service", "label": "CCSB Agency Agreement", "score": 36.115223122, "published": true}, {"hash": "2bCEylW5a8O", "uri": "/contracts/2bCEylW5a8O#ongoing-service", "label": "CCSB Agency Agreement", "score": 35.2124124761, "published": true}, {"hash": "legD3WjQHsR", "uri": "/contracts/legD3WjQHsR#ongoing-service", "label": "CCSB Agency Agreement", "score": 34.2126185639, "published": true}], "snippet": "Agency and its Agents shall service Employers and Employees enrolled in QHPs when designated as the Agent of Record. Such service will include, but not be limited to, the following:\na. Acting as liaison between these parties and Covered California if requested by any of these parties;\nb. Assisting these parties to take the proper action in connection with Covered California coverage when there is a change of address, or other change of status;\nc. Assisting a family member/dependent to obtain coverage when he or she is no longer entitled to coverage as a family member \u2013 e.g., when a dependent child reaches the limiting age, or upon a divorce or dissolution of marriage; and\nd. Maintaining a working and current knowledge of QHPs offered through CCSB and the ability to explain benefits and/or coverage.", "snippet_links": [{"key": "employers-and-employees", "type": "clause", "offset": [36, 59]}, {"key": "agent-of-record", "type": "definition", "offset": [100, 115]}, {"key": "covered-california", "type": "definition", "offset": [229, 247]}, {"key": "requested-by", "type": "definition", "offset": [251, 263]}, {"key": "in-connection-with", "type": "clause", "offset": [339, 357]}, {"key": "coverage-when", "type": "clause", "offset": [377, 390]}, {"key": "change-of-address", "type": "definition", "offset": [402, 419]}, {"key": "change-of-status", "type": "clause", "offset": [430, 446]}, {"key": "a-family-member", "type": "clause", "offset": [461, 476]}, {"key": "dependent-child", "type": "definition", "offset": [589, 604]}, {"key": "limiting-age", "type": "definition", "offset": [617, 629]}, {"key": "dissolution-of-marriage", "type": "clause", "offset": [652, 675]}, {"key": "knowledge-of", "type": "clause", "offset": [718, 730]}, {"key": "ability-to", "type": "definition", "offset": [765, 775]}], "hash": "4858a5e32eb1edfb2989cad481d1c080", "id": 1}, {"size": 7, "samples": [{"hash": "kWq3koWmRZ3", "uri": "/contracts/kWq3koWmRZ3#ongoing-service", "label": "Non Monetary Agreement", "score": 23.6783025325, "published": true}, {"hash": "gkIfMMD8y2s", "uri": "/contracts/gkIfMMD8y2s#ongoing-service", "label": "Non Monetary Agreement", "score": 23.6783025325, "published": true}, {"hash": "i2Um2VEhHdF", "uri": "/contracts/i2Um2VEhHdF#ongoing-service", "label": "Standard Agreement", "score": 21.9664613279, "published": true}], "snippet": "Agent shall service Employers, Employees, and individuals enrolled in QHPs when Agent is the Agent of Record. Such service will include, but not be limited to, the following:\na. Acting as liaison between these parties and the Exchange if requested by any of these parties;\nb. Assisting these parties to take the proper action in connection with Exchange coverage when there is a change of address, or other change of status;\nc. Assisting a family member/dependent to obtain coverage when he or she is no longer entitled to coverage as a family member \u2013 e.g., when a dependent child reaches the limiting age, or upon a divorce or dissolution of marriage; and\nd. Maintaining a working and current knowledge of QHPs offered through the Exchange and the ability to explain benefits and/or coverage.", "snippet_links": [{"key": "agent-shall", "type": "definition", "offset": [0, 11]}, {"key": "agent-of-record", "type": "definition", "offset": [93, 108]}, {"key": "the-exchange", "type": "clause", "offset": [222, 234]}, {"key": "requested-by", "type": "definition", "offset": [238, 250]}, {"key": "in-connection-with", "type": "clause", "offset": [326, 344]}, {"key": "coverage-when", "type": "clause", "offset": [354, 367]}, {"key": "change-of-address", "type": "definition", "offset": [379, 396]}, {"key": "change-of-status", "type": "clause", "offset": [407, 423]}, {"key": "a-family-member", "type": "clause", "offset": [438, 453]}, {"key": "dependent-child", "type": "definition", "offset": [566, 581]}, {"key": "limiting-age", "type": "definition", "offset": [594, 606]}, {"key": "dissolution-of-marriage", "type": "clause", "offset": [629, 652]}, {"key": "knowledge-of", "type": "clause", "offset": [695, 707]}, {"key": "ability-to", "type": "definition", "offset": [750, 760]}], "hash": "077934821c5229c3b680421e1ca9351e", "id": 2}, {"size": 3, "samples": [{"hash": "9qkceDeGJop", "uri": "/contracts/9qkceDeGJop#ongoing-service", "label": "Client Agreement", "score": 33.2390685895, "published": true}, {"hash": "k4jATCmLIxK", "uri": "/contracts/k4jATCmLIxK#ongoing-service", "label": "Client Agreement", "score": 33.1107771345, "published": true}, {"hash": "kY8fSvBl8Jf", "uri": "/contracts/kY8fSvBl8Jf#ongoing-service", "label": "Client Agreement", "score": 29.0105532406, "published": true}], "snippet": "We offer an ongoing service where, depending on your personal requirements and with your agreement, we may review your account on an annual or six monthly basis, and inform you of new recommendations or changes that may be relevant to your circumstances. In addition, as a minimum, you will be provided with an annual valuation, telephone access to your adviser, and a newsletter bulletin. This service is provided at a charge of up to 0.1% per month and can be either deducted from your investment or paid by standing order. This service can be cancelled at any time. (On a \u00a3100,000 investment this equates to a maximum of \u00a31,200 per annum).", "snippet_links": [{"key": "personal-requirements", "type": "clause", "offset": [53, 74]}, {"key": "your-agreement", "type": "clause", "offset": [84, 98]}, {"key": "your-account", "type": "definition", "offset": [114, 126]}, {"key": "an-annual", "type": "clause", "offset": [130, 139]}, {"key": "monthly-basis", "type": "definition", "offset": [147, 160]}, {"key": "in-addition", "type": "clause", "offset": [255, 266]}, {"key": "annual-valuation", "type": "definition", "offset": [311, 327]}, {"key": "access-to", "type": "definition", "offset": [339, 348]}, {"key": "your-adviser", "type": "definition", "offset": [349, 361]}, {"key": "per-month", "type": "clause", "offset": [441, 450]}, {"key": "your-investment", "type": "definition", "offset": [483, 498]}, {"key": "standing-order", "type": "definition", "offset": [510, 524]}, {"key": "at-any-time", "type": "clause", "offset": [556, 567]}, {"key": "per-annum", "type": "definition", "offset": [631, 640]}], "hash": "eb6720c01676937357e0158873e74d61", "id": 3}, {"size": 3, "samples": [{"hash": "d1fxJ0uKuXM", "uri": "/contracts/d1fxJ0uKuXM#ongoing-service", "label": "Terms of Business", "score": 26.6372555486, "published": true}, {"hash": "5xYGDTGrp4i", "uri": "/contracts/5xYGDTGrp4i#ongoing-service", "label": "Terms of Business", "score": 26.6372555486, "published": true}, {"hash": "4g0V63rBaIu", "uri": "/contracts/4g0V63rBaIu#ongoing-service", "label": "Terms of Business", "score": 24.1818368292, "published": true}], "snippet": "In order to meet your long-term goals, you should regularly review your plans and situation and make changes accordingly. Therefore, we would normally recommend that you sign up for our ongoing service for this financial planning service to be effective. However, this is not compulsory. If you do not want any ongoing service, we will not charge an ongoing fee and we will not be responsible for reviewing performance or providing you with valuations. We offer three levels of service: If you have relatively simple requirements, for example if you made a lump sum investment of less than \u00a3150,000, then we offer a more basic level of ongoing service. The service will consist of the following: \u2022 Annual valuations \u2022 Access to a Financial Planner by telephone or email \u2022 Meetings on request, but subject to a fee \u2022 Autumn Budget update", "snippet_links": [{"key": "in-order-to", "type": "clause", "offset": [0, 11]}, {"key": "plans-and", "type": "definition", "offset": [72, 81]}, {"key": "make-changes", "type": "clause", "offset": [96, 108]}, {"key": "sign-up", "type": "definition", "offset": [170, 177]}, {"key": "financial-planning", "type": "clause", "offset": [211, 229]}, {"key": "ongoing-fee", "type": "definition", "offset": [350, 361]}, {"key": "responsible-for", "type": "clause", "offset": [381, 396]}, {"key": "reviewing-performance", "type": "clause", "offset": [397, 418]}, {"key": "levels-of-service", "type": "definition", "offset": [468, 485]}, {"key": "for-example", "type": "definition", "offset": [531, 542]}, {"key": "investment-of", "type": "clause", "offset": [566, 579]}, {"key": "basic-level", "type": "clause", "offset": [621, 632]}, {"key": "the-service", "type": "clause", "offset": [653, 664]}, {"key": "consist-of", "type": "clause", "offset": [670, 680]}, {"key": "annual-valuations", "type": "clause", "offset": [698, 715]}, {"key": "access-to", "type": "definition", "offset": [718, 727]}, {"key": "financial-planner", "type": "definition", "offset": [730, 747]}, {"key": "by-telephone", "type": "definition", "offset": [748, 760]}, {"key": "on-request", "type": "definition", "offset": [781, 791]}, {"key": "subject-to", "type": "definition", "offset": [797, 807]}, {"key": "budget-update", "type": "clause", "offset": [823, 836]}], "hash": "fe2d6811ee3f128e5f5a668c330791ab", "id": 4}, {"size": 2, "samples": [{"hash": "kOXZcJt0d2A", "uri": "/contracts/kOXZcJt0d2A#ongoing-service", "label": "Client Agreement", "score": 29.0160279758, "published": true}, {"hash": "l1W8TlWi5Z7", "uri": "/contracts/l1W8TlWi5Z7#ongoing-service", "label": "Client Agreement", "score": 24.0088980151, "published": true}], "snippet": "Monetary Solutions offers a choice of ongoing service propositions. We will agree with you which level of service is most appropriate to your needs. Ongoing service fees are charged as a percentage of funds under management. The actual fee charged will vary depending upon how the investment performs and it will increase as the fund grows. The \u2018full\u2019 service proposition is automatically provided to those clients whose ongoing fees exceed \u00a3500 per year (approximately \u00a365,000 or more invested). The \u2018limited\u2019 service is provided to those clients whose ongoing fees are less than \u00a3500 per year (up to approximately \u00a365,000 invested). These clients may elect to pay to upgrade to the full service. Our ongoing service option incorporates a periodic suitability review of the investments we have recommended, this is to ensure the original recommendation remains suitable. This periodic assessment will be completed at least annually, however, the frequency may be increased when taking into account your risk profile and the types of financial products that have been recommended.", "snippet_links": [{"key": "level-of-service", "type": "definition", "offset": [97, 113]}, {"key": "service-fees", "type": "definition", "offset": [157, 169]}, {"key": "a-percentage", "type": "definition", "offset": [185, 197]}, {"key": "the-fund", "type": "clause", "offset": [325, 333]}, {"key": "ongoing-fees", "type": "definition", "offset": [421, 433]}, {"key": "per-year", "type": "definition", "offset": [446, 454]}, {"key": "pay-to", "type": "definition", "offset": [662, 668]}, {"key": "full-service", "type": "definition", "offset": [684, 696]}, {"key": "service-option", "type": "definition", "offset": [710, 724]}, {"key": "the-investments", "type": "clause", "offset": [771, 786]}, {"key": "to-ensure", "type": "clause", "offset": [816, 825]}, {"key": "the-original", "type": "definition", "offset": [826, 838]}, {"key": "periodic-assessment", "type": "clause", "offset": [877, 896]}, {"key": "risk-profile", "type": "clause", "offset": [1004, 1016]}, {"key": "types-of", "type": "clause", "offset": [1025, 1033]}, {"key": "financial-products", "type": "clause", "offset": [1034, 1052]}], "hash": "638f06d09a015106e0d4b4f31e0dd9fb", "id": 5}, {"size": 2, "samples": [{"hash": "jwptvzCUIGe", "uri": "/contracts/jwptvzCUIGe#ongoing-service", "label": "Client Agreement", "score": 30.5927517019, "published": true}, {"hash": "9QV9ILRif49", "uri": "/contracts/9QV9ILRif49#ongoing-service", "label": "Client Agreement", "score": 28.8271496127, "published": true}], "snippet": "Agree timetable for regular review meeting every [six months/year] to check that all aspects of arrangements performing as they should and review any issues.", "snippet_links": [{"key": "review-meeting", "type": "definition", "offset": [28, 42]}, {"key": "six-months", "type": "definition", "offset": [50, 60]}, {"key": "and-review", "type": "clause", "offset": [135, 145]}], "hash": "fd7371fd43979cd56b8a7d408feaea7e", "id": 6}, {"size": 2, "samples": [{"hash": "b7uYUfV1a7i", "uri": "/contracts/b7uYUfV1a7i#ongoing-service", "label": "Retail Client Agreement", "score": 23.3093771389, "published": true}, {"hash": "lH8W8ULhhDG", "uri": "/contracts/lH8W8ULhhDG#ongoing-service", "label": "Retail Client Agreement", "score": 22.8110882957, "published": true}], "snippet": "Please note that any products we have arranged for you will only be kept under review as part of an ongoing service for which you agree to pay. Any ongoing service and the associated costs will be agreed with you in writing. We may contact you in the future by means of an unsolicited promotion (by post or email) should we wish to discuss the merits of a particular product or service which we feel may be of interest to you. 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. Neither \u2587\u2587\u2587\u2587\u2587\u2587\u2587 \u2587\u2587\u2587\u2587\u2587\u2587 & Co nor its employees 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. \u2587\u2587\u2587\u2587\u2587\u2587\u2587 \u2587\u2587\u2587\u2587\u2587\u2587 & Co is not permitted to handle client money and we cannot accept a cheque made out to us (unless it is in respect of an item for which we have sent you an invoice) or handle cash.", "snippet_links": [{"key": "please-note", "type": "definition", "offset": [0, 11]}, {"key": "under-review", "type": "definition", "offset": [73, 85]}, {"key": "to-pay", "type": "clause", "offset": [136, 142]}, {"key": "associated-costs", "type": "definition", "offset": [172, 188]}, {"key": "in-writing", "type": "clause", "offset": [213, 223]}, {"key": "the-future", "type": "clause", "offset": [247, 257]}, {"key": "by-post", "type": "clause", "offset": [296, 303]}, {"key": "to-discuss", "type": "definition", "offset": [329, 339]}, {"key": "product-or-service", "type": "definition", "offset": [367, 385]}, {"key": "please-be-aware", "type": "clause", "offset": [427, 442]}, {"key": "amount-invested", "type": "definition", "offset": [525, 540]}, {"key": "the-price", "type": "clause", "offset": [542, 551]}, {"key": "financial-markets", "type": "clause", "offset": [618, 635]}, {"key": "economic-factors", "type": "definition", "offset": [646, 662]}, {"key": "outside-our-control", "type": "clause", "offset": [673, 692]}, {"key": "past-performance", "type": "clause", "offset": [694, 710]}, {"key": "future-performance", "type": "definition", "offset": [741, 759]}, {"key": "specific-warnings", "type": "clause", "offset": [761, 778]}, {"key": "the-investments", "type": "clause", "offset": [791, 806]}, {"key": "investment-strategies", "type": "definition", "offset": [808, 829]}, {"key": "other-products", "type": "definition", "offset": [833, 847]}, {"key": "suitability-report", "type": "definition", "offset": [894, 912]}, {"key": "neither-\u2587", "type": "clause", "offset": [914, 923]}, {"key": "accounting-documents", "type": "definition", "offset": [1039, 1059]}, {"key": "understood-and-agreed-that", "type": "clause", "offset": [1074, 1100]}, {"key": "the-client", "type": "definition", "offset": [1120, 1130]}, {"key": "refer-to", "type": "definition", "offset": [1134, 1142]}, {"key": "not-permitted", "type": "clause", "offset": [1281, 1294]}, {"key": "to-handle", "type": "definition", "offset": [1295, 1304]}, {"key": "client-money", "type": "definition", "offset": [1305, 1317]}, {"key": "in-respect-of", "type": "clause", "offset": [1377, 1390]}, {"key": "an-invoice", "type": "clause", "offset": [1426, 1436]}], "hash": "97409adeaa65e401c6c17f2bad3f060b", "id": 7}, {"size": 2, "samples": [{"hash": "bok8zss5Yzp", "uri": "/contracts/bok8zss5Yzp#ongoing-service", "label": "Client Service Agreement", "score": 23.205338809, "published": true}], "snippet": "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. \u2022 Annual review of your pensions and investments. \u2022 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. \u2022 Providing factual information to assist you to make sound financial decisions. \u2022 Investment management and rebalancing according to a set asset allocation. \u2022 Determining an efficient asset allocation appropriate to your specified risk profile. \u2022 Ongoing review of the allocation of cash, bonds, equities and alternative investments in line with your objectives. \u2022 Continued monitoring of the investment managers used in the construction of your portfolio. \u2022 Managing liquidity requirements for planned or unplanned withdrawals. \u2022 Determining and rebasing your risk tolerance. \u2022 Dealing with correspondence and administrative issues on your behalf. \u2022 Regular contact with you throughout the year as required. \u2022 Helping you in minimising the taxation of your investments/pensions \u2013 especially in regard to Income Tax, Capital Gains Tax and Inheritance Tax. \u2022 Recommending that you have up-to-date \u2587\u2587\u2587\u2587\u2587 in place and have considered Powers of Attorney. \u2022 Advising on how your estate can be distributed in the most tax-efficient way possible. \u2022 Simplifying all administration by operating on one platform, if appropriate. \u2022 Keeping investment costs to a minimum by operating on one platform, if appropriate. \u2022 Providing a summary valuation of your investment annually. \u2022 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. \u2587\u2587\u2587\u2587\u2587\u2587 & 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 \u00a31,000 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 \u00a32,500. 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.", "snippet_links": [{"key": "depending-on-the", "type": "clause", "offset": [0, 16]}, {"key": "your-portfolio", "type": "clause", "offset": [40, 54]}, {"key": "in-place", "type": "definition", "offset": [60, 68]}, {"key": "management-services", "type": "clause", "offset": [105, 124]}, {"key": "agreement-to-provide", "type": "clause", "offset": [189, 209]}, {"key": "ongoing-services", "type": "clause", "offset": [219, 235]}, {"key": "contact-us", "type": "clause", "offset": [295, 305]}, {"key": "specific-service", "type": "definition", "offset": [319, 335]}, {"key": "ongoing-position", "type": "definition", "offset": [372, 388]}, {"key": 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"label": "Personal Client Agreement", "score": 18.2217659138, "published": true}], "snippet": "Setting Your Adviser Charge A percentage (%) of the amount invested If a specific charge is to apply, this will be confirmed before the consultation takes place. To be agreed before any work is undertaken. For payment options see \u2018Options for paying by fee or adviser charge\u2019 opposite. To be agreed before any work is undertaken. For payment options see \u2018Options for paying by fee or adviser charge\u2019 opposite. We will charge you a percentage of funds under management. these fees will be deducted from your investment by the product provider and paid to us. Hourly rate (\u00a3) If a specific charge is to apply, this will be confirmed before the consultation takes place. Typically we will charge up to \u00a3300 per hour. Typically we will charge up to \u00a3300 per hour. Typically we will charge up to \u00a3300 per hour. Depending on the complexity of the case it may take 15-20 hours to complete Steps 1-3 and between 5-10 hours to complete Step 4. However we will provide you with a bespoke estimate of the time required before we commence any work. We will not charge for any further work unless agreed with you. Fixed charge (\u00a3) If a specific charge is to apply, this will be confirmed before the consultation takes place. We will confirm the fee amount once we have scoped the task and amount of work due. We will confirm the fee amount once we have scoped the task and amount of work due. We will confirm the fee amount once we have agreed the service we will provide. For payment options see \u2018Options for paying by fee or adviser charge\u2019 opposite. What will you pay for Advice and Implementation based on a 3% adviser charge? Amount of Fee / Adviser Charge \u00a38,000 \u00a37,500 \u00a37,000 \u00a36,000 \u00a35,000 \u00a34,000 \u00a33,000 \u00a33,000 \u00a32,000 \u00a31,500 \u00a31,000 \u00a30 \u00a350,000 \u00a3100,000 \u00a3250,000 The Amount Invested What will you pay for Ongoing Service based on a 1% annual fee? Amount of Fee / Adviser Charge \u00a34,000 \u00a33,500 \u00a32,500 \u00a32,000 \u00a31,500 \u00a31,000 \u00a3500 \u00a30 \u00a32,500 \u00a31,000 \u00a3500 \u00a33,000 \u00a350,000 \u00a3100,000 \u00a3250,000 Value of Investment In respect of Ongoing Service we will confirm whether the charge will commence immediately or after a specified month. If paying by a percentage of funds under management, it will usually be paid monthly on the basis of 1/12th of the amount payable. Note: This amount will increase or decrease dependent on the underlying performance of the funds. For example if \u00a3100,000 is invested and an adviser charge of 1% has been agreed, if the fund grows to \u00a3110,000, then \u00a31,100 will be payable. 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Payments can be made by your product provider and can be made monthly, quarterly, or annually. You also have the option to pay directly, monthly. For example: On a Fund Value of \u00a3100,000 and an ongoing fee of 1%, a payment of \u00a31,000 would be due each year. It is important to review every investment you hold at regular intervals. At the time of, or prior to, our recommendation we will discuss our ongoing service proposition. This is confirmed in our \u201cservice proposition and engagement\u201d document which will be sent to you separately from this agreement. Please refer to Page 9, for more information on how we take fees on Protection Products. When we arrange the sale of a protection contract, we will not charge you a fee, as we will receive commission from the provider. The amount will be disclosed to you in the product literature. Our Fees Explained The fees shown on Page 7 are indicative and are subject to an annual review. 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