Common use of OUR SERVICE TO YOU Clause in Contracts

OUR SERVICE TO YOU. We will act honestly, fairly and professionally in accordance with Your best interests. We will normally represent You, rather than acting on behalf of the insurer. If We do not represent You, We will inform you accordingly. We will normally give You advice and a personal recommendation about the insurance contract being proposed. If We do not give You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: • Giving a personal recommendation on the basis of a fair and personal analysis of the market. This is Our normal service. • Under a contractual obligation to place business exclusively with one or more insurers (in which case We will provide You with the names of those insurers). Examples of this type of service would include ‘single insurer’ or ‘panel of insurers’ type arrangements. • Not under a contractual obligation to place exclusively with one or more insurers and We do not give a personal recommendation on the basis of a fair and personal analysis of the market (in which case We will provide You with the names of those insurers). An example of this type of service would be where We only approach Your existing insurers for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with them. Where We give advice and a personal recommendation, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed is suitable for You. We will provide You with a letter/report setting out key aspects of the insurance cover being proposed; however, this is not intended to be a substitute for the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor to place insurance cover on Your behalf, but We do not guarantee to be able to do this. We will provide You with details of the cover effected on Your behalf, including the insurer who is underwriting the risk. Where We offer to arrange a facility with a premium finance provider which allows You to pay Your insurance premium by regular instalments, We do not offer advice in relation to this facility; however, We may ask some questions to narrow down the selection of options available. You must make Your own choice on which option to accept. When arranging a facility with a premium finance provider on Your behalf, We only act as a credit broker; We do not act as a lender. Although We take care to ensure that the information contained on Our website is accurate and up to date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website.

OUR SERVICE TO YOU. We will act honestly, fairly and professionally in accordance with Your best interests. We will normally represent You, rather than acting on behalf of the insurer. If We do not represent You, We will inform you accordingly. We will normally give You advice and a personal recommendation about the insurance contract being proposed. If We do not give You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: • Giving a personal recommendation on the basis of a fair and personal analysis of the market. This is Our normal service. • Under a contractual obligation to place business exclusively with one or more insurers (in which case We will provide You with the names of those insurers). Examples of this type of service would include ‘single insurer’ or ‘panel of insurers’ type arrangements. • Not under a contractual obligation to place exclusively with one or more insurers and We do not give a personal recommendation on the basis of a fair and personal analysis of the market (in which case We will provide You with the names of those insurers). An example of this type of service would be where We only approach Your existing insurers for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with them. Where We give advice and a personal recommendation, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed is suitable for You. We will provide You with a letter/report setting out key aspects of the insurance cover being proposed; however, this is not intended to be a substitute for the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor to place insurance cover on Your behalf, but We do not guarantee to be able to do this. We will provide You with details of the cover effected on Your behalf, including the insurer who is underwriting the risk. Where We offer to arrange a facility with a premium finance provider which allows You to pay Your insurance premium by regular instalments, We do not offer advice in relation to this facility; however, We may ask some questions to narrow down the selection of options available. You must make Your own choice on which option to accept. When arranging a facility with a premium finance provider on Your behalf, We only act as a credit broker; We do not act as a lender. Although We take care to ensure that the information contained on Our website is accurate and up to up-to-date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website.

OUR SERVICE TO YOU. We will act honestly, fairly as an insurance broker to arrange and professionally in accordance with Your best interestsadminister contracts of insurance on your instructions. We will normally represent You, rather than acting on behalf of the insurer. If We do not represent You, We will inform you accordingly. We will normally give You advice and provide a personal recommendation about the insurance contract being proposed. If We do not give to You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: • Giving a personal recommendation on the basis of a fair and personal analysis of the market, as distinct from using only a single or limited number of insurance undertakings. This is Where Our normal service. • Under a contractual obligation service differs to place business exclusively with this, either because We only consider one or more insurers a restricted number of insurers, or if We do not give You a personal recommendation about the insurance products offered (in which case You are responsible for ensuring that it is suitable for You), We will advise You accordingly and, in the former case, We will provide You with the names of those insurers). Examples of this type of service would include ‘single insurer’ or ‘panel of insurers’ type arrangements. • Not under a contractual obligation to place exclusively insurers with one or more insurers and which We do not give a personal recommendation on the basis of a fair and personal analysis of the market (in which case We will provide You with the names of those insurers). An example of this type of service would be where We only approach Your existing insurers for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with them. Where We give advice and a personal recommendation, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed is suitable for Youconduct business. We will provide You with details of the cover effected on Your behalf, including the insurer(s) who are underwriting the risk, and will clarify the scope of the advice given and explain the reasons. This will be provided in a durable medium (which includes email, unless You tell Us otherwise). We will provide You with evidence of cover and all relevant documentation promptly after inception of a policy. On occasion, We may arrange insurance on Your behalf with insurers that have granted us a delegated underwriting authority. This authority may extend to the management of Your claims. We will notify You in the event We are acting under a delegated authority. Although Our letter/report setting will set out key aspects of the insurance cover being proposed; howevercover, this is not intended to be a substitute for the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor use Our best endeavours to place insurance cover on Your behalf, but We do not guarantee to be able to do thisso. We will provide You with details of the cover effected on Your behalf, including the insurer who is underwriting the risk. Where We offer to arrange a facility with a premium finance provider which allows You to pay Your insurance premium by regular instalments, We do not offer advice in relation to this facility; however, We may ask some questions to narrow down the selection of options available. You must make Your own choice on which option to accept. When arranging a facility with a premium finance provider on Your behalf, We only act as a credit broker; We do not act as a lender. Although While We take care to ensure that the information contained on Our website is accurate and up to date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website. Where We offer an instalment facility to You in order to pay Your insurance premium by regular instalments, We do not offer advice in relation to this, but We may ask some questions to narrow down the selection of options available; You must make Your own choice on which option to accept. We only act as a credit broker when arranging instalment facilities on Your behalf, and not as a lender. We aim to treat You fairly and to meet the following outcomes in all Our dealings with You: • You can be confident that the fair treatment of customers is central to Our corporate culture. • The products and services that We have recommended to You and You have chosen are designed to meet Your insurance needs as far as reasonably possible. • We will provide You with clear information and keep You appropriately informed before, during and after the point of sale. • You will not face unreasonable post- sale barriers to submit a claim or make a complaint. • We will give You appropriate information about the products and services We recommend, including details of any costs or charges (if any), in addition to Your premiums. Motor Insurance Database (MID) In accordance with the 4th European Union Motor Insurance Directive, as codified by Directive 2009/103/EC (and any subsequent legislation), where We have agreed with You to provide this service, We will endeavour to assist You in complying with the legislation surrounding the notification of vehicles to the MID. We may charge for this assistance. It should be noted that the responsibility for notification of vehicles or information remains with You. We cannot accept responsibility for any item either incorrectly registered or not registered on the database, whether notified to Us or not.

OUR SERVICE TO YOU. We will act honestly, fairly as an insurance broker to arrange and professionally in accordance with Your best interestsadminister contracts of insurance on your instructions. We will normally represent You, rather than acting on behalf of the insurer. If We do not represent You, We will inform you accordingly. We will normally give You advice and provide a personal recommendation about the insurance contract being proposed. If We do not give to You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: • Giving a personal recommendation on the basis of a fair and personal analysis of the market, as distinct from using only a single or limited number of insurance undertakings. This is Where Our normal service. • Under a contractual obligation service differs to place business exclusively with this, either because We only consider one or more insurers a restricted number of insurers, or if We do not give You a personal recommendation about the insurance products offered (in which case You are responsible for ensuring that it is suitable for You), We will advise You accordingly and, in the former case, We will provide You with the names of those insurers). Examples of this type of service would include ‘single insurer’ or ‘panel of insurers’ type arrangements. • Not under a contractual obligation to place exclusively insurers with one or more insurers and which We do not give a personal recommendation on the basis of a fair and personal analysis of the market (in which case We will provide You with the names of those insurers). An example of this type of service would be where We only approach Your existing insurers for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with them. Where We give advice and a personal recommendation, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed is suitable for Youconduct business. We will provide You with details of the cover effected on Your behalf, including the insurer(s) who are underwriting the risk, and will clarify the scope of the advice given and explain the reasons. This will be provided in a durable medium (which includes email, unless You tell Us otherwise). We will provide You with evidence of cover and all relevant documentation promptly after inception of a policy. On occasion We may arrange insurance on Your behalf with insurers that have granted us a delegated underwriting authority. This authority may extend to the management of Your claims. We will notify You in the event We are acting under a delegated authority. The Aston Lark group of companies contains entities which operate as Managing Agents. These Managing Agents act as agents of insurers for the purposes of underwriting and binding insurance risks. In some cases, and where appropriate, we may present to you insurance policy terms and conditions from Aston Lark group entities. We may also access insurance companies via another Aston Lark group broker where we deem it necessary to do so. Where we do this, we will inform you when we provide you with a quotation. Although Our letter/report setting will set out key aspects of the insurance cover being proposed; howevercover, this is not intended to be a substitute for the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor use Our reasonable endeavours to place insurance cover on Your behalf, but We do not guarantee to be able to do thisso. We will provide You with details of the cover effected on Your behalf, including the insurer who is underwriting the risk. Where We offer to arrange a facility with a premium finance provider which allows You to pay Your insurance premium by regular instalments, We do not offer advice in relation to this facility; however, We may ask some questions to narrow down the selection of options available. You must make Your own choice on which option to accept. When arranging a facility with a premium finance provider on Your behalf, We only act as a credit broker; We do not act as a lender. Although While We take care to ensure that the information contained on Our website is accurate and up to date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website. Where We offer an instalment facility to You in order to pay Your insurance premium by regular instalments, We do not offer advice in relation to this, but We may ask some questions to narrow down the selection of options available; You must make Your own choice on which option to accept. We only act as a credit broker when arranging instalment facilities on Your behalf, and not as a lender. We aim to treat You fairly and to meet the following outcomes in all Our dealings with You: • You can be confident that the fair treatment of customers is central to Our corporate culture. • The products and services that We have recommended to You and You have chosen are designed to meet Your insurance needs as far as reasonably possible. • We will provide You with clear information and keep You appropriately informed before, during and after the point of sale. • You will not face unreasonable post- sale barriers to submit a claim or make a complaint. • We will give You appropriate information about the products and services We recommend, including details of any costs or charges (if any) in addition to Your premiums. Motor Insurance Database (MID) In accordance with the 4th European Union Motor Insurance Directive as codified by Directive 2009/103/EC (and any subsequent legislation), where We have agreed with You to provide this service, We will endeavour to assist You in complying with the legislation surrounding the notification of vehicles to the MID. We may charge for this assistance. It should be noted that the responsibility for notification of vehicles or information remains with You. We cannot accept responsibility for any item either incorrectly registered or not registered on the database, whether notified to Us or not.

OUR SERVICE TO YOU. We will act honestly, fairly and professionally in accordance with Your best interests. We will normally represent You, rather than acting on behalf of the insurer. If We do not represent You, We will inform you accordingly. We will normally give You advice and provide a personal recommendation about the insurance contract being proposed. If We do not give to You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: • Giving a personal recommendation on the basis of a fair and personal analysis of the market. This is Our normal service. • Under , as distinct from using only a contractual obligation single or limited number of insurance undertakings (details of which will be provided to place business exclusively with one or more insurers (in which case We will provide You with the names of those insurersYou). Examples of this type of Where Our service would include ‘single insurer’ or ‘panel differs to this, either because We only consider a restricted number of insurers’ type arrangements. • Not under a contractual obligation to place exclusively with one , or more insurers and if We do not give You a personal recommendation on the basis merits of a fair and personal analysis of the market transaction (in which case We will provide You with the names of those insurers). An example of this type of service would be where We only approach Your existing insurers for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with them. Where We give advice and a personal recommendation, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed it is suitable for You. ), We will provide advise You with a letter/report setting out key aspects of the insurance cover being proposed; however, this is not intended to be a substitute for the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor to place insurance cover on Your behalf, but We do not guarantee to be able to do thisaccordingly. We will provide You with details of the cover effected on Your behalf, including the insurer insurer(s) who is are underwriting the risk, and will clarify the scope of the advice given and explain the reasons. Where We offer to arrange This will be provided in a facility with a premium finance provider durable medium (which allows includes email, unless You to pay Your insurance premium by regular instalments, We do not offer advice in relation to this facility; however, tell Us otherwise). On occasion We may ask some questions arrange insurance on Your behalf with insurers that have granted us a delegated underwriting authority. This authority may extend to narrow down the selection management of options availableYour claims. We will notify You must make Your own choice on in the event We are acting under a delegated authority. Although Our letter/ report will set out key aspects of the cover, this is not intended to be a substitute to the insurer(s) policy wording, which option will take precedent in setting out the terms of the cover. We will use Our best endeavours to accept. When arranging a facility with a premium finance provider place cover on Your behalf, We only act as a credit broker; but We do not act as a lenderguarantee to be able to do so. Although While We take care to ensure that the information contained on Our website is accurate and up to up-to-date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website. Where We offer an instalment facility to You in order to pay Your insurance premium by regular instalments, We do not offer advice in relation to this, but We may ask some questions to narrow down the selection of options available; You must make Your own choice on which option to accept. We only act as a credit broker when arranging instalment facilities on Your behalf, and not as a lender. We aim to treat You fairly and to meet the following outcomes in all Our dealings with You: • You can be confident that the fair treatment of customers is central to Our corporate culture. • The products and services that We have marketed and You have chosen are designed to meet Your insurance needs as far as reasonably possible. • We will provide You with clear information and keep You appropriately informed before, during and after the point of sale. • We will provide You with products that perform as We have led You to expect and the associated service is both of an acceptable standard and as You have been led to expect. • You will not face unreasonable post- sale barriers to change product, switch provider, submit a claim or make a complaint. • We will give You full information about the products and services We offer, including details of any costs or charges (if any) in addition to Your premiums. If requested, We will tell You what Our commission is and any other remuneration We receive for arranging Your insurance or providing You with any other services. Motor insurance database (MID) In accordance with the 4th European Union Directive (and any subsequent legislation), where We have agreed with You to provide this service, We will endeavour to assist You in complying with the legislation surrounding the notification of vehicles to the MID. We may charge for this assistance. It should be noted that the responsibility for notification of vehicles or information remains with You. We cannot accept responsibility for any item either incorrectly registered or not registered on the database, whether notified to Us or not.

OUR SERVICE TO YOU. We will act honestly, fairly as an insurance broker to arrange and professionally in accordance with Your best interestsadminister contracts of insurance on your instructions. We will normally represent You, rather than acting on behalf of the insurer. If We do not represent You, We will inform you accordingly. We will normally give You advice and provide a personal recommendation about the insurance contract being proposed. If We do not give to You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: • Giving a personal recommendation on the basis of a fair and personal analysis of the market, as distinct from using only a single or limited number of insurance undertakings. This is Where Our normal service. • Under a contractual obligation service differs to place business exclusively with this, either because We only consider one or more insurers a restricted number of insurers, or if We do not give You a personal recommendation about the insurance products offered (in which case You are responsible for ensuring that it is suitable for You), We will advise You accordingly and, in the former case, We will provide You with the names of those insurers). Examples of this type of service would include ‘single insurer’ or ‘panel of insurers’ type arrangements. • Not under a contractual obligation to place exclusively insurers with one or more insurers and which We do not give a personal recommendation on the basis of a fair and personal analysis of the market (in which case We will provide You with the names of those insurers). An example of this type of service would be where We only approach Your existing insurers for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with them. Where We give advice and a personal recommendation, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed is suitable for Youconduct business. We will provide You with details of the cover effected on Your behalf, including the insurer(s) who are underwriting the risk, and will clarify the scope of the advice given and explain the reasons. This will be provided in a durable medium (which includes email, unless You tell Us otherwise). We will provide You with evidence of cover and all relevant documentation promptly after inception of a policy. On occasion We may arrange insurance on Your behalf with insurers that have granted us a delegated underwriting authority. This authority may extend to the management of Your claims. We will notify You in the event We are acting under a delegated authority. Although Our letter/report setting will set out key aspects of the insurance cover being proposed; howevercover, this is not intended to be a substitute for the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor use Our reasonable endeavours to place insurance cover on Your behalf, but We do not guarantee to be able to do thisso. We will provide You with details of the cover effected on Your behalf, including the insurer who is underwriting the risk. Where We offer to arrange a facility with a premium finance provider which allows You to pay Your insurance premium by regular instalments, We do not offer advice in relation to this facility; however, We may ask some questions to narrow down the selection of options available. You must make Your own choice on which option to accept. When arranging a facility with a premium finance provider on Your behalf, We only act as a credit broker; We do not act as a lender. Although While We take care to ensure that the information contained on Our website is accurate and up to date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website. Where We offer an instalment facility to You in order to pay Your insurance premium by regular instalments, We do not offer advice in relation to this, but We may ask some questions to narrow down the selection of options available; You must make Your own choice on which option to accept. We only act as a credit broker when arranging instalment facilities on Your behalf, and not as a lender. We aim to treat You fairly and to meet the following outcomes in all Our dealings with You: • You can be confident that the fair treatment of customers is central to Our corporate culture. • The products and services that We have recommended to You and You have chosen are designed to meet Your insurance needs as far as reasonably possible. • We will provide You with clear information and keep You appropriately informed before, during and after the point of sale. • You will not face unreasonable post- sale barriers to submit a claim or make a complaint. • We will give You appropriate information about the products and services We recommend, including details of any costs or charges (if any), in addition to Your premiums. Motor Insurance Database (MID) In accordance with the 4th European Union Motor Insurance Directive, as codified by Directive 2009/103/EC (and any subsequent legislation), where We have agreed with You to provide this service, We will endeavour to assist You in complying with the legislation surrounding the notification of vehicles to the MID. We may charge for this assistance. It should be noted that the responsibility for notification of vehicles or information remains with You. We cannot accept responsibility for any item either incorrectly registered or not registered on the database, whether notified to Us or not.

OUR SERVICE TO YOU. We will offer independent financial advice. This means we act honestly, fairly and professionally in accordance with Your best interests. We will normally represent You, rather than acting on behalf of our clients, advising them on products from the insurer. If We do not represent You, We will inform you accordingly. We will normally give You advice and a personal recommendation about the insurance contract being proposed. If We do not give You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: • Giving a personal recommendation on the basis of a fair and personal analysis whole of the market. We will always establish exactly what your needs and objectives are prior to providing you with any advice. This is Our normal servicenormally achieved using a “fact-find” document. • Under It is therefore important that the information you give us is both accurate and a contractual obligation true reflection of your circumstances. If we arrange any contract(s) under your instructions, we will not give you any more advice unless you request it or you have retained our services, and we will be glad to place business exclusively with one or more insurers (in which case advise you at any time you ask us to do so. We will always confirm to you in writing the rationale behind any advice recommendation or transaction carried out on your behalf in the form of a suitability report. We are permitted to give advice on pensions, investments and general insurance within our authorisation and will only give advice that we believe is suitable for you and then arrange transactions in these products. We can also advise on unregulated collective investment schemes where these are suitable for you. We will not provide any service relating to futures, options or contracts for difference. CLIENT CLASSIFICATION We classify you as a retail client for investment business. 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. Should you wish to be classified differently please discuss this with us. INVESTMENT RISK Investment products we may recommend may fluctuate in value and depend on the financial markets, which are outside our control. You with are advised that because investments can fall as well as rise in value and/or the names level of those insurers)income produced, you may not get back the full amount invested. Examples of this type of service would include ‘single insurerPast performance is not necessarily a guide to the future and so you should ensure that you read all documentation provided to you, and only proceed when you are satisfied you understand the risks involved. Specific warnings relevant to the investments we recommend will be highlighted to you in the product literature you receive before you make an application and will typically be followed by a Right to Cancel after your application is accepted. WE DO NOT HANDLE CLIENTS’ or ‘panel of insurers’ type arrangements. • Not under a contractual obligation to place exclusively with one or more insurers and MONEY We do not give accept cash or cheques made payable to us unless it is a personal recommendation on cheque made payable to Plutus Wealth Management LLP in settlement of fees, charges or disbursements for which we have sent you a invoice. Cheques for premiums, investments, contributions and so forth should always be made payable to the basis of a fair and personal analysis of the market (in which case We will provide You with the names of those insurers). An example of this type of service would be where We only approach Your existing insurers for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with them. Where We give advice and a personal recommendationrelevant insurer, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed is suitable for You. We will provide You with a letter/report setting out key aspects of the insurance cover being proposed; however, this is not intended to be a substitute for the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor to place insurance cover on Your behalf, but We do not guarantee to be able to do this. We will provide You with details of the cover effected on Your behalf, including the insurer who is underwriting the risk. Where We offer to arrange a facility with a premium finance provider which allows You to pay Your insurance premium by regular instalments, We do not offer advice in relation to this facility; however, We may ask some questions to narrow down the selection of options available. You must make Your own choice on which option to accept. When arranging a facility with a premium finance provider on Your behalf, We only act as a credit broker; We do not act as a lender. Although We take care to ensure that the information contained on Our website is accurate and up to date, We give You no promises, representations investment manager or warranties about the accuracy, completeness, reliability or suitability of any information on Our websitepension provider.

OUR SERVICE TO YOU. We will act honestly, fairly as an insurance broker to arrange and professionally in accordance with Your best interestsadminister contracts of insurance on your instructions. We will normally represent You, rather than acting on behalf of the insurer. If We do not represent You, We will inform you accordingly. We will normally give You advice and provide a personal recommendation about the insurance contract being proposed. If We do not give to You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: • Giving a personal recommendation on the basis of a fair and personal analysis of the market, as distinct from using only a single or limited number of insurance undertakings. This is Where Our normal service. • Under a contractual obligation service differs to place business exclusively with this, either because We only consider one or more insurers a restricted number of insurers, or if We do not give You a personal recommendation about the insurance products offered (in which case You are responsible for ensuring that it is suitable for You), We will advise You accordingly and, in the former case, We will provide You with the names of those insurers). Examples of this type of service would include ‘single insurer’ or ‘panel of insurers’ type arrangements. • Not under a contractual obligation to place exclusively insurers with one or more insurers and which We do not give a personal recommendation on the basis of a fair and personal analysis of the market (in which case We will provide You with the names of those insurers). An example of this type of service would be where We only approach Your existing insurers for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with them. Where We give advice and a personal recommendation, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed is suitable for Youconduct business. We will provide You with details of the cover effected on Your behalf, including the insurer(s) who are underwriting the risk, and will clarify the scope of the advice given and explain the reasons. This will be provided in a durable medium (which includes email, unless You tell Us otherwise). We will provide You with evidence of cover and all relevant documentation promptly after inception of a policy. On occasion We may arrange insurance on Your behalf with insurers that have granted us a delegated underwriting authority. This authority may extend to the management of Your claims. We will notify You in the event We are acting under a delegated authority. Although Our letter/report setting will set out key aspects of the insurance cover being proposed; howevercover, this is not intended to be a substitute for the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor use Our best endeavours to place insurance cover on Your behalf, but We do not guarantee to be able to do thisso. We will provide You with details of the cover effected on Your behalf, including the insurer who is underwriting the risk. Where We offer to arrange a facility with a premium finance provider which allows You to pay Your insurance premium by regular instalments, We do not offer advice in relation to this facility; however, We may ask some questions to narrow down the selection of options available. You must make Your own choice on which option to accept. When arranging a facility with a premium finance provider on Your behalf, We only act as a credit broker; We do not act as a lender. Although While We take care to ensure that the information contained on Our website is accurate and up to up-to-date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website. Where We offer an instalment facility to You in order to pay Your insurance premium by regular instalments, We do not offer advice in relation to this, but We may ask some questions to narrow down the selection of options available; You must make Your own choice on which option to accept. We only act as a credit broker when arranging instalment facilities on Your behalf, and not as a lender. We aim to treat You fairly and to meet the following outcomes in all Our dealings with You: • You can be confident that the fair treatment of customers is central to Our corporate culture. • The products and services that We have recommended to You and You have chosen are designed to meet Your insurance needs as far as reasonably possible. • We will provide You with clear information and keep You appropriately informed before, during and after the point of sale. • You will not face unreasonable post- sale barriers to submit a claim or make a complaint. • We will give You appropriate information about the products and services We recommend, including details of any costs or charges (if any) in addition to Your premiums. Motor Insurance Database (MID) In accordance with the 4th European Union Motor Insurance Directive as codified by Directive 2009/103/EC (and any subsequent legislation), where We have agreed with You to provide this service, We will endeavour to assist You in complying with the legislation surrounding the notification of vehicles to the MID. We may charge for this assistance. It should be noted that the responsibility for notification of vehicles or information remains with You. We cannot accept responsibility for any item either incorrectly registered or not registered on the database, whether notified to Us or not.

OUR SERVICE TO YOU. We will act honestly, fairly as an insurance broker to arrange and professionally in accordance with Your best interestsadminister contracts of insurance on your instructions. We will normally represent You, rather than acting on behalf of the insurer. If We do not represent You, We will inform you accordingly. We will normally give You advice and provide a personal recommendation about the insurance contract being proposed. If We do not give to You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: • Giving a personal recommendation on the basis of a fair and personal analysis of the market, as distinct from using only a single or limited number of insurance undertakings. This is Where Our normal service. • Under a contractual obligation service differs to place business exclusively with this, either because We only consider one or more insurers a restricted number of insurers, or if We do not give You a personal recommendation about the insurance products offered (in which case You are responsible for ensuring that it is suitable for You), We will advise You accordingly and, in the former case, We will provide You with the names of those insurers). Examples of this type of service would include ‘single insurer’ or ‘panel of insurers’ type arrangements. • Not under a contractual obligation to place exclusively insurers with one or more insurers and which We do not give a personal recommendation on the basis of a fair and personal analysis of the market (in which case We will provide You with the names of those insurers). An example of this type of service would be where We only approach Your existing insurers for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with them. Where We give advice and a personal recommendation, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed is suitable for Youconduct business. We will provide You with details of the cover effected on Your behalf, including the insurer(s) who are underwriting the risk, and will clarify the scope of the advice given and explain the reasons. This will be provided in a durable medium (which includes email, unless You tell Us otherwise). We will provide You with evidence of cover and all relevant documentation promptly after inception of a policy. On occasion We may arrange insurance on Your behalf with insurers that have granted us a delegated underwriting authority. This authority may extend to the management of Your claims. We will notify You in the event We are acting under a delegated authority. Although Our letter/report setting will set out key aspects of the insurance cover being proposed; howevercover, this is not intended to be a substitute for the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor use Our reasonable endeavours to place insurance cover on Your behalf, but We do not guarantee to be able to do thisso. We will provide You with details of the cover effected on Your behalf, including the insurer who is underwriting the risk. Where We offer to arrange a facility with a premium finance provider which allows You to pay Your insurance premium by regular instalments, We do not offer advice in relation to this facility; however, We may ask some questions to narrow down the selection of options available. You must make Your own choice on which option to accept. When arranging a facility with a premium finance provider on Your behalf, We only act as a credit broker; We do not act as a lender. Although While We take care to ensure that the information contained on Our website is accurate and up to date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website. Where We offer an instalment facility to You in order to pay Your insurance premium by regular instalments, We do not offer advice in relation to this, but We may ask some questions to narrow down the selection of options available; You must make Your own choice on which option to accept. We only act as a credit broker when arranging instalment facilities on Your behalf, and not as a lender. We aim to treat You fairly and to meet the following outcomes in all Our dealings with You: • You can be confident that the fair treatment of customers is central to Our corporate culture. • The products and services that We have recommended to You and You have chosen are designed to meet Your insurance needs as far as reasonably possible. • We will provide You with clear information and keep You appropriately informed before, during and after the point of sale. • You will not face unreasonable post-sale barriers to submit a claim or make a complaint. • We will give You appropriate information about the products and services We recommend, including details of any costs or charges (if any) in addition to Your premiums. Motor Insurance Database (MID) In accordance with the 4th European Union Motor Insurance Directive as codified by Directive 2009/103/EC (and any subsequent legislation), where We have agreed with You to provide this service, We will endeavour to assist You in complying with the legislation surrounding the notification of vehicles to the MID. We may charge for this assistance. It should be noted that the responsibility for notification of vehicles or information remains with You. We cannot accept responsibility for any item either incorrectly registered or not registered on the database, whether notified to Us or not.

OUR SERVICE TO YOU. We will act honestly, fairly and professionally in accordance with Your best interests. We will normally represent You, rather than acting provide advice to You on behalf the basis of a fair analysis of the insurermarket, as distinct from using only a single or limited number of insurance undertakings (details of which can be provided on request). If Where Our service differs to this, either because We do not represent Youonly consider a restricted number of insurers, We will inform you accordingly. We will normally give You advice and a personal recommendation about the insurance contract being proposed. If or if We do not give You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: • Giving a personal recommendation on the basis merits of a fair and personal analysis of the market. This is Our normal service. • Under a contractual obligation to place business exclusively with one or more insurers transaction (in which case We will provide You with the names of those insurers). Examples of this type of service would include ‘single insurer’ or ‘panel of insurers’ type arrangements. • Not under a contractual obligation to place exclusively with one or more insurers and We do not give a personal recommendation on the basis of a fair and personal analysis of the market (in which case We will provide You with the names of those insurers). An example of this type of service would be where We only approach Your existing insurers for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with them. Where We give advice and a personal recommendation, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed it is suitable for You. ), We will provide advise You with a letter/report setting out key aspects of the insurance cover being proposed; however, this is not intended to be a substitute for the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor to place insurance cover on Your behalf, but We do not guarantee to be able to do thisaccordingly. We will provide You with details of the cover effected on Your behalf, including the insurer insurer(s) who is are underwriting the risk. Where , and where We offer make a personal recommendation to arrange a facility with a premium finance provider which allows You to pay Your insurance premium by regular instalmentsYou, We do not offer will clarify the scope of the advice given and explain the reasons. This will be provided in relation to this facility; howevera durable medium (which includes email, unless You tell Us otherwise). On occasion We may ask some questions arrange insurance on Your behalf with insurers that have granted us a delegated underwriting authority. This authority may extend to narrow down the selection management of options availableYour claims. We will notify You must make Your own choice on in the event We are acting under a delegated authority. Although Our letter/ report will set out key aspects of the cover, this is not intended to be a substitute to the insurer(s) policy wording, which option will take precedent in setting out the terms of the cover. We will use Our best endeavours to accept. When arranging a facility with a premium finance provider place cover on Your behalf, We only act as a credit broker; but We do not act as a lenderguarantee to be able to do so. Although While We take care to ensure that the information contained on Our website is accurate and up to up-to-date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website. This Agreement is between ‘You’ the client or potential client ‘You, Your’ and Aston Lark Limited ‘We, Us, Our’, and applies to all work that We carry out on Your behalf. Please read this Agreement carefully and contact Us if there is anything in this Agreement with which You disagree or do not understand. Where We offer an instalment facility to You in order to pay Your insurance premium by regular instalments, We do not offer advice in relation to this, but We may ask some questions to narrow down the selection of options available; You must make Your own choice on which option to accept. We only act as a credit broker when arranging instalment facilities on Your behalf, and not as a lender. We aim to treat You fairly and to meet the following outcomes in all Our dealings with You: • You can be confident that the fair treatment of customers is central to Our corporate culture. • The products and services that We have marketed and You have chosen are designed to meet Your insurance needs as far as reasonably possible. • We will provide You with clear information and keep You appropriately informed before, during and after the point of sale. • We will provide You with products that perform as We have led You to expect and the associated service is both of an acceptable standard and as You have been led to expect. • You will not face unreasonable post- sale barriers to change product, switch provider, submit a claim or make a complaint. • We will give You full information about the products and services We offer, including details of any costs or charges (if any) in addition to Your premiums. If requested, We will tell You what Our commission is and any other remuneration We receive for arranging Your insurance or providing You with any other services. Motor insurance database (MID) In accordance with the 4th European Union Directive (and any subsequent legislation), where We have agreed with You to provide this service, We will endeavour to assist You in complying with the legislation surrounding the notification of vehicles to the MID. We may charge for this assistance. It should be noted that the responsibility for notification of vehicles or information remains with You. We cannot accept responsibility for any item either incorrectly registered or not registered on the database, whether notified to Us or not.

OUR SERVICE TO YOU. We will act honestlyas an insurance broker to arrange and administer contracts of insurance on your instructions. We provide advice and assistance in the arrangement and placing of General Insurance, fairly Life & Pensions, Health Insurance, Investments and professionally Mortgages. In addition, we provide insurance related risk management advice and assistance in accordance with Your best interestsclaims negotiation and settlement. As a Credit Intermediary, we can also arrange personal loans, e.g. premium finance. We will normally represent You, rather than acting on behalf of the insurer. If We do not represent You, We will inform you accordingly. We will normally give You advice and provide a personal recommendation about the insurance contract being proposed. If We do not give to You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: • Giving a personal recommendation on the basis of a fair and personal analysis of the market, as distinct from using only a single or limited number of insurance undertakings This means we will research the market place, products and providers and recommend the best product to suit your own needs. This research is Our normal serviceon the basis of a sufficiently large number of products and providers available, in accordance with professional criteria, regarding which contract would be suitable to meet your needs. • Under We will identify, select and recommend a contractual obligation suitable product producer and on receipt of your instructions, we will transmit orders on your behalf to place business exclusively with one or more insurers product producers (a list of which is available on request). We do not have a “tied” relationship with any institution that would compromise our ability to carry out this analysis. The number of providers that constitutes ‘sufficiently large’ will vary depending on the number of providers operating in the market for a particular product or service and their relative importance in and share of that market. The extent of fair analysis must be such that could reasonably be expected of a professional conducting business, taking into account the accessibility of information and product placement to intermediaries and the cost of the search. In order to ensure that the number of contracts and providers is sufficiently large to constitute a fair and personal analysis of the market, we will consider the following criteria: • the needs of the customer • the size of the customer order • the number of providers in the market that deal with brokers • the market share of each of those providers • the number of relevant products available from each provider • the availability of information about the products • the quality of the product and service provided by the provider • cost • any other relevant consideration Where Our service differs to this, either because We only consider one or a restricted number of insurers, or if We do not give You a personal recommendation about the insurance products offered (in which case You are responsible for ensuring that it is suitable for You), We will advise You accordingly and in the former case, We will provide You with the names of those insurers)insurers with which We conduct business. Examples of this type of service would include ‘single insurer’ or ‘panel of insurers’ type arrangements. • Not under a contractual obligation to place exclusively with one or more insurers and We do not give a personal recommendation on the basis of a fair and personal analysis of the market (in which case We will provide You with the names of those insurers). An example of this type of service would be where We only approach Your existing insurers for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with them. Where We give advice and a personal recommendation, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed is suitable for You. We will provide You with a letter/report setting out key aspects of the insurance cover being proposed; however, this is not intended to be a substitute for the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor to place insurance cover on Your behalf, but We do not guarantee to be able to do this. We will provide You with details of the cover effected on Your behalf, including the insurer who is underwriting the risk. Where We offer to arrange a facility with a premium finance provider which allows You to pay Your insurance premium by regular instalments, We do not offer advice in relation to this facility; however, We may ask some questions to narrow down the selection of options available. You must make Your own choice on which option to accept. When arranging a facility with a premium finance provider on Your behalf, We only act as a credit broker; We do not act as a lender. Although We take care to ensure that the information contained on Our website is accurate and up to date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website.Limited Analysis

OUR SERVICE TO YOU. We will act honestly, fairly and professionally in accordance with Your best interests. We will normally represent You, rather than acting on behalf of the insurer. If We do not represent You, We will inform you accordingly. We will normally give You advice and a personal recommendation about the insurance contract being proposed. If We do not give You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: • Giving a personal recommendation on the basis of a fair and personal analysis of the market. This is Our normal service. • Under a contractual obligation to place business exclusively with one or more insurers (in which case We will provide You with the names of those insurers). Examples of this type of service would include ‘single insurer’ or ‘panel of insurers’ type arrangements. • Not under a contractual obligation to place exclusively with one or more insurers and We do not give a personal recommendation on the basis of a fair and personal analysis of the market (in which case We will provide You with the names of those insurers). An example of this type of service would be where We only approach Your existing insurers for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with them. Where We give advice and a personal recommendation, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed is suitable for You. We will provide You with a letter/report setting out key aspects of the insurance cover being proposed; however, this is not intended to be a substitute for the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor to place insurance cover on Your behalf, but We do not guarantee to be able to do this. We will provide You with details of the cover effected on Your behalf, including the insurer who is underwriting the risk. Where We offer to arrange a facility with a premium finance provider which allows You to pay Your insurance premium by regular instalments, We do not offer advice in relation to this facility; however, We may ask some questions to narrow down the selection of options available. You must make Your own choice on which option to accept. When arranging a facility with a premium finance provider on Your behalf, We only act as a credit broker; We do not act as a lender. Although We take care to ensure that the information contained on Our website is accurate and up to up-to-date, We give You no promises, representations or warranties about the accuracy, completeness, reliability rel iability or suitability of any information on Our website.

OUR SERVICE TO YOU. We will act honestlyas an insurance broker to arrange and administer contracts of insurance on Your instructions. We provide advice and assistance in the arrangement and placing of General Insurance, fairly Life & Pensions, Health Insurance, Investments and professionally Mortgages. In addition, we provide insurance related risk management advice and assistance in accordance with Your best interestsclaims negotiation and settlement. As a Credit Intermediary, we can also arrange personal loans, e.g. premium finance. We will normally represent You, rather than acting on behalf of the insurer. If We do not represent You, We will inform you accordingly. We will normally give You advice and provide a personal recommendation about the insurance contract being proposed. If We do not give to You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: • Giving a personal recommendation on the basis of a fair and personal analysis of the market, as distinct from using only a single or limited number of insurance undertakings This means we will research the market place, products and providers and recommend the best product to suit Your own needs. This research is Our normal serviceon the basis of a sufficiently large number of products and providers available, in accordance with professional criteria, regarding which contract would be suitable to meet Your needs. • Under We will identify, select and recommend a contractual obligation suitable product producer and on receipt of Your instructions, we will transmit orders on Your behalf to place business exclusively with one or more insurers product producers (a list of which is available on request). We do not have a ‘tied’ relationship with any institution that would compromise our ability to carry out this analysis. The number of providers that constitutes ‘sufficiently large’ will vary depending on the number of providers operating in the market for a particular product or service and their relative importance in and share of that market. The extent of fair analysis must be such that could reasonably be expected of a professional conducting business, taking into account the accessibility of information and product placement to intermediaries and the cost of the search. In order to ensure that the number of contracts and providers is sufficiently large to constitute a fair and personal analysis of the market, we will consider the following criteria: • the needs of the customer • the size of the customer order • the number of providers in the market that deal with brokers • the market share of each of those providers • the number of relevant products available from each provider • the availability of information about the products • the quality of the product and service provided by the provider • cost • any other relevant consideration Where Our service differs to this, either because We only consider one or a restricted number of insurers, or if We do not give You a personal recommendation about the insurance products offered (in which case You are responsible for ensuring that it is suitable for You), We will advise You accordingly and in the former case, We will provide You with the names of those insurers)insurers with which We conduct business. Examples Limited Analysis In certain circumstances, We may offer products with regulated insurers based on a limited analysis of this type of service would include ‘single insurer’ the market. This limited analysis may occur where we operate a scheme product and the risk is eligible/suitable for same, or ‘panel of insurers’ type arrangementsurgent cover may be required that does not facilitate a full market review. • Not under We also offer Health Insurance on a contractual obligation to place exclusively with one or more insurers and We do not give a personal recommendation on the basis of a fair and personal limited analysis of the market (in which case We will provide You with the names of those insurers)Irish Life Health DAC. An example of this type of service would be where We only approach Your existing insurers All scheme products are reviewed regularly to they remain fit for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with thempurpose. Where We give advice and a personal recommendationhave applied limited analysis, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give advise You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed is suitable for Youaccordingly. We will provide You with details of the cover effected on Your behalf, including the insurer(s) who are underwriting the risk, and will clarify the scope of the advice given and explain the reasons. This will be provided in a letter/durable medium (which includes email, unless You tell Us otherwise). We will provide You with evidence of cover and all relevant documentation promptly after inception of a policy. On occasion, We may arrange insurance on Your behalf with insurers that have granted us a delegated underwriting authority. This authority may extend to the management of Your claims. We will notify You in the event We are acting under a delegated authority. Although Our letter/ report setting will set out key aspects of the insurance cover being proposed; howevercover, this is not intended to be a substitute for to the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor use Our reasonable endeavours to place insurance cover on Your behalf, but We do not guarantee to be able to do thisso. We will provide You with details of the cover effected on Your behalf, including the insurer who is underwriting the risk. Where We offer to arrange a facility with a premium finance provider which allows You to pay Your insurance premium by regular instalments, We do not offer advice in relation to this facility; however, We may ask some questions to narrow down the selection of options available. You must make Your own choice on which option to accept. When arranging a facility with a premium finance provider on Your behalf, We only act as a credit broker; We do not act as a lender. Although While We take care to ensure that the information contained on Our website is accurate and up to date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website. Where We offer an instalment facility to You in order to pay Your insurance premium by regular instalments, We do not offer advice in relation to this, but We may ask some questions to narrow down the selection of options available; You must make Your own choice on which option to accept. We only act as a credit broker when arranging instalment facilities on Your behalf, and not as a lender. We aim to treat You fairly and to meet the following outcomes in all Our dealings with You: • You can be confident that the fair treatment of customers is central to Our corporate culture. • The products and services that We have recommended to You and You have chosen are designed to meet Your insurance needs as far as reasonably possible. • We will provide You with clear information and keep You appropriately informed before, during and after the point of sale. • You will not face unreasonable post- sale barriers to submit a claim or make a complaint. • We will give You appropriate information about the products and services We recommend, including details of any costs or charges (if any) in addition to Your premiums. Sustainability Factors – Investment/IBIPs/Pension Advice When providing You advice on which Insurance Based Investment Product (IBIP) is most suitable to meet Your needs, We are required under the Sustainable Finance Disclosure Regulations, 2019 to notify You that We do not currently consider sustainability risks, such as environmental, social, and governance, when providing the advice. We will review this position on an annual basis and update our Terms of Business accordingly. The IBIP providers’ documentation will set out whether and how they consider such sustainability risks and this documentation should be read carefully.

OUR SERVICE TO YOU. We will act honestly, fairly as an insurance broker to arrange and professionally in accordance with Your best interestsadminister contracts of insurance on your instructions. We will normally represent You, rather than acting on behalf of the insurer. If We do not represent You, We will inform you accordingly. We will normally give You advice and provide a personal recommendation about the insurance contract being proposed. If We do not give to You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: • Giving a personal recommendation on the basis of a fair and personal analysis of the market, as distinct from using only a single or limited number of insurance undertakings. This is Where Our normal service. • Under a contractual obligation service differs to place business exclusively with this, either because We only consider one or more insurers a restricted number of insurers, or if We do not give You a personal recommendation about the insurance products offered (in which case You are responsible for ensuring that it is suitable for You), We will advise You accordingly and, in the former case, We will provide You with the names of those insurers). Examples of this type of service would include ‘single insurer’ or ‘panel of insurers’ type arrangements. • Not under a contractual obligation to place exclusively insurers with one or more insurers and which We do not give a personal recommendation on the basis of a fair and personal analysis of the market (in which case We will provide You with the names of those insurers). An example of this type of service would be where We only approach Your existing insurers for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with them. Where We give advice and a personal recommendation, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed is suitable for Youconduct business. We will provide You with details of the cover effected on Your behalf, including the insurer(s) who are underwriting the risk, and will clarify the scope of the advice given and explain the reasons. This will be provided in a durable medium (which includes email, unless You tell Us otherwise). We will provide You with evidence of cover and all relevant documentation promptly after inception of a policy. On occasion, We may arrange insurance on Your behalf with insurers that have granted us a delegated underwriting authority. This authority may extend to the management of Your claims. We will notify You in the event We are acting under a delegated authority. Although Our letter/report setting will set out key aspects of the insurance cover being proposed; howevercover, this is not intended to be a substitute for the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor use Our reasonable endeavours to place insurance cover on Your behalf, but We do not guarantee to be able to do thisso. We will provide You with details of the cover effected on Your behalf, including the insurer who is underwriting the risk. Where We offer to arrange a facility with a premium finance provider which allows You to pay Your insurance premium by regular instalments, We do not offer advice in relation to this facility; however, We may ask some questions to narrow down the selection of options available. You must make Your own choice on which option to accept. When arranging a facility with a premium finance provider on Your behalf, We only act as a credit broker; We do not act as a lender. Although While We take care to ensure that the information contained on Our website is accurate and up to date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website. Where We offer an instalment facility to You in order to pay Your insurance premium by regular instalments, We do not offer advice in relation to this, but We may ask some questions to narrow down the selection of options available; You must make Your own choice on which option to accept. We only act as a credit broker when arranging instalment facilities on Your behalf, and not as a lender. We aim to treat You fairly and to meet the following outcomes in all Our dealings with You: • You can be confident that the fair treatment of customers is central to Our corporate culture. • The products and services that We have recommended to You and You have chosen are designed to meet Your insurance needs as far as reasonably possible. • We will provide You with clear information and keep You appropriately informed before, during and after the point of sale. • You will not face unreasonable post-sale barriers to submit a claim or make a complaint. • We will give You appropriate information about the products and services We recommend, including details of any costs or charges (if any) in addition to Your premiums. Motor Insurance Database (MID) In accordance with the 4th European Union Motor Insurance Directive as codified by Directive 2009/103/EC (and any subsequent legislation), where We have agreed with You to provide this service, We will endeavour to assist You in complying with the legislation surrounding the notification of vehicles to the MID. We may charge for this assistance. It should be noted that the responsibility for notification of vehicles or information remains with You. We cannot accept responsibility for any item either incorrectly registered or not registered on the database, whether notified to Us or not.

OUR SERVICE TO YOU. We will act honestlyas an insurance broker to arrange and administer contracts of insurance on your instructions. Our primary service is the provision of pension and protection broking and related advice, fairly to businesses and professionally individuals, and the administration of such arrangements. As such, We offer a restricted advice service in accordance with that We do not advise on all products, and for certain contracts We may only consider products from a limited number of providers. You may ask Us for a list of companies and products We offer advice on. We do not provide a holistic financial planning service, advice on tax mitigation plans nor do We arrange or advise on non-pension related investments. We are not investment managers. Since We do not offer a holistic planning service You will need to satisfy Yourself in respect of protection contracts that the level of cover being arranged meets Your best interestsrequirements. Our pension service will include the establishment and running of group pension arrangements, as well as pre- retirement planning and guidance on the available pension options at and after retirement for individuals. We will normally represent You, rather than acting on behalf of the insurer. If We do not represent You, We will inform you accordingly. We will normally give You advice and provide a personal recommendation about the insurance contract being proposed. If We do not give to You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: • Giving a personal recommendation on the basis of a fair and personal analysis of the market. This is Where Our normal service. • Under a contractual obligation service differs to place business exclusively with this, either because We only consider one or more insurers a restricted number of insurers, or if We do not give You a personal recommendation about the insurance products offered (in which case You are responsible for ensuring that it is suitable for You), We will advise You accordingly and, in the former case, We will provide You with the names of those insurers). Examples of this type of service would include ‘single insurer’ or ‘panel of insurers’ type arrangements. • Not under a contractual obligation to place exclusively insurers with one or more insurers and which We do not give a personal recommendation on the basis of a fair and personal analysis of the market (in which case We will provide You with the names of those insurers). An example of this type of service would be where We only approach Your existing insurers for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with them. Where We give advice and a personal recommendation, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed is suitable for Youconduct business. We will provide You with details of the cover effected on Your behalf, including the insurer(s) who this is placed with, and where We make a personal recommendation to You. We will clarify the scope of the advice given and explain the reasons. This will be provided in a durable medium (which includes email, unless You tell Us otherwise). We will provide You with evidence of cover and all relevant documentation promptly after inception of a policy. Although Our letter/report setting will set out key aspects of the insurance cover being proposed; howevercover, this is not intended to be a substitute for the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor use Our best endeavours to place insurance cover on Your behalf, but We do not guarantee to be able to do thisso. We will provide You with details of the cover effected on Your behalf, including the insurer who is underwriting the risk. Where We offer to arrange a facility with a premium finance provider which allows You to pay Your insurance premium by regular instalments, We do not offer advice in relation to this facility; however, We may ask some questions to narrow down the selection of options available. You must make Your own choice on which option to accept. When arranging a facility with a premium finance provider on Your behalf, We only act as a credit broker; We do not act as a lender. Although While We take care to ensure that the information contained on Our website is accurate and up to date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website. As intermediaries, We never own the investments You buy or transact through Us. All investments will be registered in the name(s) of the client(s) unless otherwise agreed in writing. We will forward to You all documents showing ownership of the investments as soon as practical after We receive them. Where a number of documents relating to a series of transactions are involved, We may retain each document until the series is completed and then forward them to You. In some cases the documentation will be sent to You direct from the product provider. We are obligated not to act on any instructions where We believe that the transaction concerned would not be suitable for You. In such cases We shall immediately notify You in writing (letter, electronic mail or facsimile) of the reason for this. No action shall then be taken unless You confirm the instruction to Us in writing. We aim to treat You fairly and to meet the following outcomes in all Our dealings with You: • You can be confident that the fair treatment of customers is central to Our corporate culture. • The products and services that We have recommended to You and You have chosen are designed to meet Your insurance needs as far as reasonably possible. • We will provide You with clear information and keep You appropriately informed before, during and after the point of sale. • You will not face unreasonable post- sale barriers to submit a claim or make a complaint. • We will give You appropriate information about the products and services We recommend, including details of any costs or charges (if any) in addition to Your premiums.

OUR SERVICE TO YOU. We will act honestly, fairly and professionally in accordance with Your best interests. We will normally represent You, rather than acting on behalf of the insurer. If We do not represent You, We will inform you accordingly. We will normally give You advice and provide a personal recommendation about the insurance contract being proposed. If We do not give to You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: • Giving a personal recommendation on the basis of a fair and personal analysis of the market. This is Our normal service. • Under , as distinct from using only a contractual obligation single or limited number of insurance undertakings (details of which will be provided to place business exclusively with one or more insurers (in which case We will provide You with the names of those insurersYou). Examples of this type of Where Our service would include ‘single insurer’ or ‘panel differs to this, either because We only consider a restricted number of insurers’ type arrangements. • Not under a contractual obligation to place exclusively with one , or more insurers and if We do not give You a personal recommendation on the basis merits of a fair and personal analysis of the market transaction (in which case We will provide You with the names of those insurers). An example of this type of service would be where We only approach Your existing insurers for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with them. Where We give advice and a personal recommendation, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed it is suitable for You. ), We will provide advise You with a letter/report setting out key aspects of the insurance cover being proposed; however, this is not intended to be a substitute for the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor to place insurance cover on Your behalf, but We do not guarantee to be able to do thisaccordingly. We will provide You with details of the cover effected on Your behalf, including the insurer insurer(s) who is are underwriting the risk, and will clarify the scope of the advice given and explain the reasons. Where We offer to arrange This will be provided in a facility with a premium finance provider durable medium (which allows includes email, unless You to pay Your insurance premium by regular instalments, We do not offer advice in relation to this facility; however, tell Us otherwise). On occasion We may ask some questions arrange insurance on Your behalf with insurers that have granted us a delegated underwriting authority. This authority may extend to narrow down the selection management of options availableYour claims. We will notify You must make Your own choice on in the event We are acting under a delegated authority. Although Our letter/ report will set out key aspects of the cover, this is not intended to be a substitute to the insurer(s) policy wording, which option will take precedent in setting out the terms of the cover. We will use Our best endeavours to accept. When arranging a facility with a premium finance provider place cover on Your behalf, We only act as a credit broker; but We do not act as a lenderguarantee to be able to do so. Although While We take care to ensure that the information contained on Our website is accurate and up to up-to-date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website. Where We offer an instalment facility to You in order to pay Your insurance premium by regular instalments, We do not offer advice in relation to this, but We may ask some questions to narrow down the selection of options available; You must make Your own choice on which option to accept. We only act as a credit broker when arranging instalment facilities on Your behalf, and not as a lender. We aim to treat You fairly and to meet the following outcomes in all Our dealings with You: • You can be confident that the fair treatment of customers is central to Our corporate culture. • The products and services that We have marketed and You have chosen are designed to meet Your insurance needs as far as reasonably possible. • We will provide You with clear information and keep You appropriately informed before, during and after the point of sale. • We will provide You with products that perform as We have led You to expect and the associated service is both of an acceptable standard and as You have been led to expect. • You will not face unreasonable post- sale barriers to change product, switch provider, submit a claim or make a complaint. • We will give You full information about the products and services We offer, including details of any costs or charges (if any) in addition to Your premiums. If requested, We will tell You what Our commission is and any other remuneration We receive for arranging Your insurance or providing You with any other services. Motor Insurance Database (MID) In accordance with the 4th European Union Directive (and any subsequent legislation), where We have agreed with You to provide this service, We will endeavour to assist You in complying with the legislation surrounding the notification of vehicles to the MID. We may charge for this assistance. It should be noted that the responsibility for notification of vehicles or information remains with You. We cannot accept responsibility for any item either incorrectly registered or not registered on the database, whether notified to Us or not.

OUR SERVICE TO YOU. We will act honestlyas an insurance broker to arrange and administer contracts of insurance on your instructions. Our primary service is the provision of pension and protection broking and related advice, fairly to businesses and professionally individuals, and the administration of such arrangements. As such, We offer a restricted advice service in accordance with that We do not advise on all products, and for certain contracts We may only consider products from a limited number of providers. You may ask Us for a list of companies and products We offer advice on. We do not provide a holistic financial planning service, advice on tax mitigation plans nor do We arrange or advise on non-pension related investments. We are not investment managers. Since We do not offer a holistic planning service, You will need to satisfy Yourself in respect of protection contracts that the level of cover being arranged meets Your best interestsrequirements. Our pension service will include the establishment and running of group pension arrangements, as well as pre- retirement planning and guidance on the available pension options at and after retirement for individuals. We will normally represent You, rather than acting on behalf of the insurer. If We do not represent You, We will inform you accordingly. We will normally give You advice and provide a personal recommendation about the insurance contract being proposed. If We do not give to You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: • Giving a personal recommendation on the basis of a fair and personal analysis of the market. This is Where Our normal service. • Under a contractual obligation service differs to place business exclusively with this, either because We only consider one or more insurers a restricted number of insurers, or if We do not give You a personal recommendation about the insurance products offered (in which case You are responsible for ensuring that it is suitable for You), We will advise You accordingly and, in the former case, We will provide You with the names of those insurers). Examples of this type of service would include ‘single insurer’ or ‘panel of insurers’ type arrangements. • Not under a contractual obligation to place exclusively insurers with one or more insurers and which We do not give a personal recommendation on the basis of a fair and personal analysis of the market (in which case We will provide You with the names of those insurers). An example of this type of service would be where We only approach Your existing insurers for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with them. Where We give advice and a personal recommendation, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed is suitable for Youconduct business. We will provide You with details of the cover effected on Your behalf, including the insurer(s) who this is placed with, and where We make a personal recommendation to You. We will clarify the scope of the advice given and explain the reasons. This will be provided in a durable medium (which includes email, unless You tell Us otherwise). We will provide You with evidence of cover and all relevant documentation promptly after inception of a policy. Although Our letter/report setting will set out key aspects of the insurance cover being proposed; howevercover, this is not intended to be a substitute for the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor use Our reasonable endeavours to place insurance cover on Your behalf, but We do not guarantee to be able to do thisso. We will provide You with details of the cover effected on Your behalf, including the insurer who is underwriting the risk. Where We offer to arrange a facility with a premium finance provider which allows You to pay Your insurance premium by regular instalments, We do not offer advice in relation to this facility; however, We may ask some questions to narrow down the selection of options available. You must make Your own choice on which option to accept. When arranging a facility with a premium finance provider on Your behalf, We only act as a credit broker; We do not act as a lender. Although While We take care to ensure that the information contained on Our website is accurate and up to date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website. As intermediaries We never own the investments You buy or transact through Us. All investments will be registered in the name(s) of the client(s) unless otherwise agreed in writing. We will forward to You all documents showing ownership of the investments as soon as practical after We receive them. Where a number of documents relating to a series of transactions are involved, We may retain each document until the series is completed and then forward them to You. In some cases, the documentation will be sent to You direct from the product provider. We are obligated not to act on any instructions where We believe that the transaction concerned would not be suitable for You. In such cases We shall immediately notify You in writing (letter, electronic mail or facsimile) of the reason for this. No action shall then be taken unless You confirm the instruction to Us in writing. We aim to treat You fairly and to meet the following outcomes in all Our dealings with You: • You can be confident that the fair treatment of customers is central to Our corporate culture. • The products and services that We have recommended to You and You have chosen are designed to meet Your insurance needs as far as reasonably possible. • We will provide You with clear information and keep You appropriately informed before, during and after the point of sale. • You will not face unreasonable post- sale barriers to submit a claim or make a complaint. • We will give You appropriate information about the products and services We recommend, including details of any costs or charges (if any) in addition to Your premiums.

OUR SERVICE TO YOU. We will act honestly, fairly and professionally in accordance with Your best interests. We will normally represent You, rather than acting on behalf of the insurer. If We do not represent You, We will inform you accordingly. We will normally give You advice and a personal recommendation about the insurance contract being proposed. If We do not give You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: • Giving a personal recommendation on the basis of a fair and personal analysis of the market. This is Our normal service. • Under a contractual obligation to place business exclusively with one or more insurers (in which case We will provide You with the names of those insurers). Examples of this type of service would include ‘single insurer’ or ‘panel of insurers’ type arrangements. • Not under a contractual obligation to place exclusively with one or more insurers and We do not give a personal recommendation on the basis of a fair and personal analysis of the market (in which case We will provide You with the names of those insurers). An example of this type of service would be where We only approach Your existing insurers for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with them. Where We give advice and a personal recommendation, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed is suitable for You. We will provide You with a letter/report setting out key aspects of the insurance cover being proposed; however, this is not intended to be a substitute for the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor endeavour to place insurance cover on Your behalf, but We do not guarantee to be able to do this. We will provide You with details of the cover effected effected on Your behalf, including the insurer who is underwriting the risk. Where We offer offer to arrange a facility with a premium finance finance provider which allows You to pay Your insurance premium by regular instalments, We do not offer offer advice in relation to this facility; however, We may ask some questions to narrow down the selection of options available. You must make Your own choice on which option to accept. When arranging a facility with a premium finance finance provider on Your behalf, We only act as a credit broker; We do not act as a lender. Although We take care to ensure that the information contained on Our website is accurate and up to date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website.

OUR SERVICE TO YOU. We will act honestly, fairly as an insurance broker to arrange and professionally in accordance with Your best interestsadminister contracts of insurance on your instructions. We will normally represent You, rather than acting on behalf of the insurer. If We do not represent You, We will inform you accordingly. We will normally give You advice and provide a personal recommendation about the insurance contract being proposed. If We do not give to You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: • Giving a personal recommendation on the basis of a fair and personal analysis of the market, as distinct from using only a single or limited number of insurance undertakings. This is Where Our normal service. • Under a contractual obligation service differs to place business exclusively with this, either because We only consider one or more insurers a restricted number of insurers, or if We do not give You a personal recommendation about the insurance products offered (in which case You are responsible for ensuring that it is suitable for You), We will advise You accordingly and, in the former case, We will provide You with the names of those insurers). Examples of this type of service would include ‘single insurer’ or ‘panel of insurers’ type arrangements. • Not under a contractual obligation to place exclusively insurers with one or more insurers and which We do not give a personal recommendation on the basis of a fair and personal analysis of the market (in which case We will provide You with the names of those insurers). An example of this type of service would be where We only approach Your existing insurers for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with them. Where We give advice and a personal recommendation, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed is suitable for Youconduct business. We will provide You with details of the cover effected on Your behalf, including the insurer(s) who are underwriting the risk, and will clarify the scope of the advice given and explain the reasons. This will be provided in a durable medium (which includes email, unless You tell Us otherwise). We will provide You with evidence of cover and all relevant documentation promptly after inception of a policy. On occasion, We may arrange insurance on Your behalf with insurers that have granted us a delegated underwriting authority. This authority may extend to the management of Your claims. We will notify You in the event We are acting under a delegated authority. Although Our letter/report setting will set out key aspects of the insurance cover being proposed; howevercover, this is not intended to be a substitute for the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor use Our reasonable endeavours to place insurance cover on Your behalf, but We do not guarantee to be able to do thisso. We will provide You with details of the cover effected on Your behalf, including the insurer who is underwriting the risk. Where We offer to arrange a facility with a premium finance provider which allows You to pay Your insurance premium by regular instalments, We do not offer advice in relation to this facility; however, We may ask some questions to narrow down the selection of options available. You must make Your own choice on which option to accept. When arranging a facility with a premium finance provider on Your behalf, We only act as a credit broker; We do not act as a lender. Although While We take care to ensure that the information contained on Our website is accurate and up to date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website. Where We offer an instalment facility to You in order to pay Your insurance premium by regular instalments, We do not offer advice in relation to this, but We may ask some questions to narrow down the selection of options available; You must make Your own choice on which option to accept. We only act as a credit broker when arranging instalment facilities on Your behalf, and not as a lender. We aim to treat You fairly and to meet the following outcomes in all Our dealings with You: • You can be confident that the fair treatment of customers is central to Our corporate culture. • The products and services that We have recommended to You and You have chosen are designed to meet Your insurance needs as far as reasonably possible. • We will provide You with clear information and keep You appropriately informed before, during and after the point of sale. • You will not face unreasonable post- sale barriers to submit a claim or make a complaint. • We will give You appropriate information about the products and services We recommend, including details of any costs or charges (if any), in addition to Your premiums. Motor Insurance Database (MID) In accordance with the 4th European Union Motor Insurance Directive, as codified by Directive 2009/103/EC (and any subsequent legislation), where We have agreed with You to provide this service, We will endeavour to assist You in complying with the legislation surrounding the notification of vehicles to the MID. We may charge for this assistance. It should be noted that the responsibility for notification of vehicles or information remains with You. We cannot accept responsibility for any item either incorrectly registered or not registered on the database, whether notified to Us or not.

OUR SERVICE TO YOU. We will act honestly, fairly and professionally in accordance with Your best interests. We will normally represent You, rather than acting provide advice to You on behalf the basis of a fair analysis of the insurermarket, as distinct from using only a single or limited number of insurance undertakings (details of which can be provided on request). If Where Our service differs to this, either because We do not represent Youonly consider a restricted number of insurers, We will inform you accordingly. We will normally give You advice and a personal recommendation about the insurance contract being proposed. If or if We do not give You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: • Giving a personal recommendation on the basis merits of a fair and personal analysis of the market. This is Our normal service. • Under a contractual obligation to place business exclusively with one or more insurers transaction (in which case We will provide You with the names of those insurers). Examples of this type of service would include ‘single insurer’ or ‘panel of insurers’ type arrangements. • Not under a contractual obligation to place exclusively with one or more insurers and We do not give a personal recommendation on the basis of a fair and personal analysis of the market (in which case We will provide You with the names of those insurers). An example of this type of service would be where We only approach Your existing insurers for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with them. Where We give advice and a personal recommendation, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed it is suitable for You. ), We will provide advise You with a letter/report setting out key aspects of the insurance cover being proposed; however, this is not intended to be a substitute for the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor to place insurance cover on Your behalf, but We do not guarantee to be able to do thisaccordingly. We will provide You with details of the cover effected on Your behalf, including the insurer insurer(s) who is are underwriting the risk. Where , and where We offer make a personal recommendation to arrange a facility with a premium finance provider which allows You to pay Your insurance premium by regular instalmentsYou, We do not offer will clarify the scope of the advice given and explain the reasons. This will be provided in relation to this facility; howevera durable medium (which includes email, unless You tell Us otherwise). On occasion We may ask some questions arrange insurance on Your behalf with insurers that have granted us a delegated underwriting authority. This authority may extend to narrow down the selection management of options availableYour claims. We will notify You must make Your own choice on in the event We are acting under a delegated authority. Although Our letter/ report will set out key aspects of the cover, this is not intended to be a substitute to the insurer(s) policy wording, which option will take precedent in setting out the terms of the cover. We will use Our best endeavours to accept. When arranging a facility with a premium finance provider place cover on Your behalf, We only act as a credit broker; but We do not act as a lenderguarantee to be able to do so. Although While We take care to ensure that the information contained on Our website is accurate and up to up-to-date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website. Where We offer an instalment facility to You in order to pay Your insurance premium by regular instalments, We do not offer advice in relation to this, but We may ask some questions to narrow down the selection of options available; You must make Your own choice on which option to accept. We only act as a credit broker when arranging instalment facilities on Your behalf, and not as a lender. We aim to treat You fairly and to meet the following outcomes in all Our dealings with You: You can be confident that the fair treatment of customers is central to Our corporate culture. • The products and services that We have marketed and You have chosen are designed to meet Your insurance needs as far as reasonably possible. • We will provide You with clear information and keep You appropriately informed before, during and after the point of sale. • We will provide You with products that perform as We have led You to expect and the associated service is both of an acceptable standard and as You have been led to expect. • You will not face unreasonable post- sale barriers to change product, switch provider, submit a claim or make a complaint. • We will give You full information about the products and services We offer, including details of any costs or charges (if any) in addition to Your premiums. If requested, We will tell You what Our commission is and any other remuneration We receive for arranging Your insurance or providing You with any other services. Motor Insurance Database (MID) In accordance with the 4th European Union Directive (and any subsequent legislation), where We have agreed with You to provide this service, We will endeavour to assist You in complying with the legislation surrounding the notification of vehicles to the MID. We may charge for this assistance. It should be noted that the responsibility for notification of vehicles or information remains with You. We cannot accept responsibility for any item either incorrectly registered or not registered on the database, whether notified to Us or not.

OUR SERVICE TO YOU. We will act honestly, fairly as an insurance broker to arrange and professionally in accordance with Your best interestsadminister contracts of insurance on your instructions. We will normally represent You, rather than acting on behalf of the insurer. If We do not represent You, We will inform you accordingly. We will normally give You advice and provide a personal recommendation about the insurance contract being proposed. If We do not give to You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: • Giving a personal recommendation on the basis of a fair and personal analysis of the market, as distinct from using only a single or limited number of insurance undertakings. This is Where Our normal service. • Under a contractual obligation service differs to place business exclusively with this, either because We only consider one or more insurers a restricted number of insurers, or if We do not give You a personal recommendation about the insurance products offered (in which case You are responsible for ensuring that it is suitable for You), We will advise You accordingly and, in the former case, We will provide You with the names of those insurers). Examples of this type of service would include ‘single insurer’ or ‘panel of insurers’ type arrangements. • Not under a contractual obligation to place exclusively insurers with one or more insurers and which We do not give a personal recommendation on the basis of a fair and personal analysis of the market (in which case We will provide You with the names of those insurers). An example of this type of service would be where We only approach Your existing insurers for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with them. Where We give advice and a personal recommendation, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed is suitable for Youconduct business. We will provide You with details of the cover effected on Your behalf, including the insurer(s) who are underwriting the risk, and will clarify the scope of the advice given and explain the reasons. This will be provided in a durable medium (which includes email, unless You tell Us otherwise). We will provide You with evidence of cover and all relevant documentation promptly after inception of a policy. On occasion, We may arrange insurance on Your behalf with insurers that have granted us a delegated underwriting authority. This authority may extend to the management of Your claims. We will notify You in the event We are acting under a delegated authority. Although Our letter/report setting will set out key aspects of the insurance cover being proposed; howevercover, this is not intended to be a substitute for the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor use Our best endeavours to place insurance cover on Your behalf, but We do not guarantee to be able to do thisso. We will provide You with details of the cover effected on Your behalf, including the insurer who is underwriting the risk. Where We offer to arrange a facility with a premium finance provider which allows You to pay Your insurance premium by regular instalments, We do not offer advice in relation to this facility; however, We may ask some questions to narrow down the selection of options available. You must make Your own choice on which option to accept. When arranging a facility with a premium finance provider on Your behalf, We only act as a credit broker; We do not act as a lender. Although While We take care to ensure that the information contained on Our website is accurate and up to date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website. Where We offer an instalment facility to You in order to pay Your insurance premium by regular instalments, We do not offer advice in relation to this, but We may ask some questions to narrow down the selection of options available; You must make Your own choice on which option to accept. We only act as a credit broker when arranging instalment facilities on Your behalf, and not as a lender. We aim to treat You fairly and to meet the following outcomes in all Our dealings with You: • You can be confident that the fair treatment of customers is central to Our corporate culture. • The products and services that We have recommended to You and You have chosen are designed to meet Your insurance needs as far as reasonably possible. • We will provide You with clear information and keep You appropriately informed before, during and after the point of sale. • You will not face unreasonable post-sale barriers to submit a claim or make a complaint. • We will give You appropriate information about the products and services We recommend, including details of any costs or charges (if any), in addition to Your premiums. Motor Insurance Database (MID) In accordance with the 4th European Union Motor Insurance Directive, as codified by Directive 2009/103/EC (and any subsequent legislation), where We have agreed with You to provide this service, We will endeavour to assist You in complying with the legislation surrounding the notification of vehicles to the MID. We may charge for this assistance. It should be noted that the responsibility for notification of vehicles or information remains with You. We cannot accept responsibility for any item either incorrectly registered or not registered on the database, whether notified to Us or not.

OUR SERVICE TO YOU. We will act honestly, fairly as an insurance broker to arrange and professionally in accordance with Your best interestsadminister contracts of insurance on your instructions. We will normally represent You, rather than acting on behalf of the insurer. If We do not represent You, We will inform you accordingly. We will normally give You advice and provide a personal recommendation about the insurance contract being proposed. If We do not give to You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: • Giving a personal recommendation on the basis of a fair and personal analysis of the market, as distinct from using only a single or limited number of insurance undertakings. This is Where Our normal service. • Under a contractual obligation service differs to place business exclusively with this, either because We only consider one or more insurers a restricted number of insurers, or if We do not give You a personal recommendation about the insurance products offered (in which case You are responsible for ensuring that it is suitable for You), We will advise You accordingly and, in the former case, We will provide You with the names of those insurers). Examples of this type of service would include ‘single insurer’ or ‘panel of insurers’ type arrangements. • Not under a contractual obligation to place exclusively insurers with one or more insurers and which We do not give a personal recommendation on the basis of a fair and personal analysis of the market (in which case We will provide You with the names of those insurers). An example of this type of service would be where We only approach Your existing insurers for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with them. Where We give advice and a personal recommendation, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed is suitable for Youconduct business. We will provide You with details of the cover effected on Your behalf, including the insurer(s) who are underwriting the risk, and will clarify the scope of the advice given and explain the reasons. This will be provided in a durable medium (which includes email, unless You tell Us otherwise). We will provide You with evidence of cover and all relevant documentation promptly after inception of a policy. On occasion, We may arrange insurance on Your behalf with insurers that have granted us a delegated underwriting authority. This authority may extend to the management of Your claims. We will notify You in the event We are acting under a delegated authority. Although Our letter/report setting will set out key aspects of the insurance cover being proposed; howevercover, this is not intended to be a substitute for the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor use Our reasonable endeavours to place insurance cover on Your behalf, but We do not guarantee to be able to do thisso. We will provide You with details of the cover effected on Your behalf, including the insurer who is underwriting the risk. Where We offer to arrange a facility with a premium finance provider which allows You to pay Your insurance premium by regular instalments, We do not offer advice in relation to this facility; however, We may ask some questions to narrow down the selection of options available. You must make Your own choice on which option to accept. When arranging a facility with a premium finance provider on Your behalf, We only act as a credit broker; We do not act as a lender. Although While We take care to ensure that the information contained on Our website is accurate and up to date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website. Where We offer an instalment facility to You in order to pay Your insurance premium by regular instalments, We do not offer advice in relation to this, but We may ask some questions to narrow down the selection of options available; You must make Your own choice on which option to accept. We only act as a credit broker when arranging instalment facilities on Your behalf, and not as a lender. We aim to treat You fairly and to meet the following outcomes in all Our dealings with You: • You can be confident that the fair treatment of customers is central to Our corporate culture. • The products and services that We have recommended to You and You have chosen are designed to meet Your insurance needs as far as reasonably possible. • We will provide You with clear information and keep You appropriately informed before, during and after the point of sale. • You will not face unreasonable post-sale barriers to submit a claim or make a complaint. • We will give You appropriate information about the products and services We recommend, including details of any costs or charges (if any), in addition to Your premiums.

OUR SERVICE TO YOU. We will act honestly, fairly and professionally in accordance with Your best interests. We will normally represent You, rather than acting on behalf of the insurer. If We do not represent You, We will inform you You accordingly. We will normally give You advice and a personal recommendation about the insurance contract being proposed. If We do not give You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: •  Giving a personal recommendation on the basis of a fair and personal analysis of the market. This is Our normal service. •  Under a contractual obligation to place business exclusively with one or more insurers (in which case We will provide You with the names of those insurers). Examples of this type of service would include ‘single insurer’ or ‘panel of insurers’ type arrangements. •  Not under a contractual obligation to place exclusively with one or more insurers and We do not give a personal recommendation on the basis of a fair and personal analysis of the market (in which case We will provide You with the names of those insurers). An example of this type of service would be where We only approach Your existing insurers for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with them. Where We give advice and a personal recommendation, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed is suitable for You. We will provide You with a letter/report setting out key aspects of the insurance cover being proposed; however, this is not intended to be a substitute for the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor to place insurance cover on Your behalf, but We do not guarantee to be able to do this. We will provide You with details of the cover effected on Your behalf, including the insurer who is underwriting the risk. Where We offer to arrange a facility with a premium finance provider which allows You to pay Your insurance premium by regular instalments, We do not offer advice in relation to this facility; however, We may ask some questions to narrow down the selection of options available. You must make Your own choice on which option to accept. When arranging a facility with a premium finance provider on Your behalf, We only act as a credit broker; We do not act as a lender. Although We take care to ensure that the information contained on Our website is accurate and up to date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website.

OUR SERVICE TO YOU. We will act honestly, fairly and professionally in accordance with Your best interests. We will normally represent You, rather than acting on behalf of the insurer. If We do not represent You, We will inform you accordingly. We will normally give You advice and provide a personal recommendation about the insurance contract being proposed. If We do not give to You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: • Giving a personal recommendation on the basis of a fair and personal analysis of the market. This is Our normal service. • Under , as distinct from using only a contractual obligation single or limited number of insurance undertakings (details of which will be provided to place business exclusively with one or more insurers (in which case We will provide You with the names of those insurersYou). Examples of this type of Where Our service would include ‘single insurer’ or ‘panel differs to this, either because We only consider a restricted number of insurers’ type arrangements. • Not under a contractual obligation to place exclusively with one , or more insurers and if We do not give You a personal recommendation on the basis merits of a fair and personal analysis of the market transaction (in which case We will provide You with the names of those insurers). An example of this type of service would be where We only approach Your existing insurers for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with them. Where We give advice and a personal recommendation, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed it is suitable for You. ), We will provide advise You with a letter/report setting out key aspects of the insurance cover being proposed; however, this is not intended to be a substitute for the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor to place insurance cover on Your behalf, but We do not guarantee to be able to do thisaccordingly. We will provide You with details of the cover effected on Your behalf, including the insurer insurer(s) who is are underwriting the riskrisk , and will clarify the scope of the advice given and explain the reasons. Where We offer to arrange This will be provided in a facility with a premium finance provider durable medium (which allows includes email, unless You to pay Your insurance premium by regular instalments, We do not offer advice in relation to this facility; however, tell Us otherwise). On occasion We may ask some questions arrange insurance on Your behalf with insurers that have granted us a delegated underwriting authority. This authority may extend to narrow down the selection management of options availableYour claims. We will notify You must make Your own choice on in the event We are acting under a delegated authority. Although Our letter/ report will set out key aspects of the cover, this is not intended to be a substitute to the insurer(s) policy wording, which option will take precedent in setting out the terms of the cover. We will use Our best endeavours to accept. When arranging a facility with a premium finance provider place cover on Your behalf, We only act as a credit broker; but We do not act as a lenderguarantee to be able to do so. Although While We take care to ensure that the information contained on Our website is accurate and up to up-to-date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website. Where We offer an instalment facility to You in order to pay Your insurance premium by regular instalments, We do not offer advice in relation to this, but We may ask some questions to narrow down the selection of options available; You must make Your own choice on which option to accept. We only act as a credit broker when arranging instalment facilities on Your behalf, and not as a lender. We aim to treat You fairly and to meet the following outcomes in all Our dealings with You: • You can be confident that the fair treatment of customers is central to Our corporate culture. • The products and services that We have marketed and You have chosen are designed to meet Your insurance needs as far as reasonably possible. • We will provide You with clear information and keep You appropriately informed before, during and after the point of sale. • We will provide You with products that perform as We have led You to expect and the associated service is both of an acceptable standard and as You have been led to expect. • You will not face unreasonable post- sale barriers to change product, switch provider, submit a claim or make a complaint. • We will give You full information about the products and services We offer, including details of any costs or charges (if any) in addition to Your premiums. If requested, We will tell You what Our commission is and any other remuneration We receive for arranging Your insurance or providing You with any other services. Motor insurance database (MID) In accordance with the 4th European Union Directive (and any subsequent legislation), where We have agreed with You to provide this service, We will endeavour to assist You in complying with the legislation surrounding the notification of vehicles to the MID. We may charge for this assistance. It should be noted that the responsibility for notification of vehicles or information remains with You. We cannot accept responsibility for any item either incorrectly registered or not registered on the database, whether notified to Us or not.

OUR SERVICE TO YOU. We will act honestly, fairly as an insurance broker to arrange and professionally in accordance with Your best interestsadminister contracts of insurance on your instructions. We will normally represent You, rather than acting on behalf of the insurer. If We do not represent You, We will inform you accordingly. We will normally give You advice and provide a personal recommendation about the insurance contract being proposed. If We do not give to You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: • Giving a personal recommendation on the basis of a fair and personal analysis of the market, as distinct from using only a single or limited number of insurance undertakings. This is Where Our normal service. • Under a contractual obligation service differs to place business exclusively with this, either because We only consider one or more insurers a restricted number of insurers, or if We do not give You a personal recommendation about the insurance products offered (in which case You are responsible for ensuring that it is suitable for You), We will advise You accordingly and, in the former case, We will provide You with the names of those insurers). Examples of this type of service would include ‘single insurer’ or ‘panel of insurers’ type arrangements. • Not under a contractual obligation to place exclusively insurers with one or more insurers and which We do not give a personal recommendation on the basis of a fair and personal analysis of the market (in which case We will provide You with the names of those insurers). An example of this type of service would be where We only approach Your existing insurers for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with them. Where We give advice and a personal recommendation, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed is suitable for Youconduct business. We will provide You with details of the cover effected on Your behalf, including the insurer(s) who are underwriting the risk , and will clarify the scope of the advice given and explain the reasons. This will be provided in a durable medium (which includes email, unless You tell Us otherwise). We will provide You with evidence of cover and all relevant documentation promptly after inception of a policy. On occasion We may arrange insurance on Your behalf with insurers that have granted us a delegated underwriting authority. This authority may extend to the management of Your claims. We will notify You in the event We are acting under a delegated authority. Although Our letter/report setting will set out key aspects of the insurance cover being proposed; howevercover, this is not intended to be a substitute for the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor use Our best endeavours to place insurance cover on Your behalf, but We do not guarantee to be able to do thisso. We will provide You with details of the cover effected on Your behalf, including the insurer who is underwriting the risk. Where We offer to arrange a facility with a premium finance provider which allows You to pay Your insurance premium by regular instalments, We do not offer advice in relation to this facility; however, We may ask some questions to narrow down the selection of options available. You must make Your own choice on which option to accept. When arranging a facility with a premium finance provider on Your behalf, We only act as a credit broker; We do not act as a lender. Although While We take care to ensure that the information contained on Our website is accurate and up to date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website. Where We offer an instalment facility to You in order to pay Your insurance premium by regular instalments, We do not offer advice in relation to this, but We may ask some questions to narrow down the selection of options available; You must make Your own choice on which option to accept. We only act as a credit broker when arranging instalment facilities on Your behalf, and not as a lender. We aim to treat You fairly and to meet the following outcomes in all Our dealings with You: • You can be confident that the fair treatment of customers is central to Our corporate culture. • The products and services that We have recommended to You and You have chosen are designed to meet Your insurance needs as far as reasonably possible. • We will provide You with clear information and keep You appropriately informed before, during and after the point of sale. • You will not face unreasonable post-sale barriers to submit a claim or make a complaint. • We will give You appropriate information about the products and services We recommend, including details of any costs or charges (if any) in addition to Your premiums. Motor Insurance Database (MID) In accordance with the 4th European Union Motor Insurance Directive as codified by Directive 2009/103/EC (and any subsequent legislation), where We have agreed with You to provide this service, We will endeavour to assist You in complying with the legislation surrounding the notification of vehicles to the MID. We may charge for this assistance. It should be noted that the responsibility for notification of vehicles or information remains with You. We cannot accept responsibility for any item either incorrectly registered or not registered on the database, whether notified to Us or not.

OUR SERVICE TO YOU. Our primary service is the provision of pension and protection broking and related advice, to businesses and individuals, and the administration of such arrangements. As such, We offer a restricted advice service in that We do not advise on all products, and for certain contracts We may only consider products from a limited number of providers. You may ask Us for a list of companies and products We offer advice on. We do not provide a holistic financial planning service, advice on tax mitigation plans nor do We arrange or advise on non-pension related investments. We are not investment managers. Since We do not offer a holistic planning service You will act honestlyneed to satisfy Yourself in respect of protection contracts that the level of cover being arranged meets Your requirements. Our pension service will include the establishment and running of group pension arrangements, fairly as well as pre-retirement planning and professionally in accordance with Your best interestsguidance on the available pension options at and after retirement for individuals. We will normally represent You, rather than acting on behalf review the whole of the insurermarket in making Our recommendation to You. If Where Our service differs to this, either because We do not represent Youonly consider a restricted number of insurers, We will inform you accordingly. We will normally give You advice and a personal recommendation about the insurance contract being proposed. If or if We do not give You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: • Giving a personal recommendation on the basis merits of a fair and personal analysis of the market. This is Our normal service. • Under a contractual obligation to place business exclusively with one or more insurers transaction (in which case We will provide You with the names of those insurers). Examples of this type of service would include ‘single insurer’ or ‘panel of insurers’ type arrangements. • Not under a contractual obligation to place exclusively with one or more insurers and We do not give a personal recommendation on the basis of a fair and personal analysis of the market (in which case We will provide You with the names of those insurers). An example of this type of service would be where We only approach Your existing insurers for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with them. Where We give advice and a personal recommendation, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed it is suitable for You. ), We will provide advise You with a letter/report setting out key aspects of the insurance cover being proposed; however, this is not intended to be a substitute for the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor to place insurance cover on Your behalf, but We do not guarantee to be able to do thisaccordingly. We will provide You with details of the cover effected on Your behalf, including the insurer insurer(s) who this is underwriting the risk. Where placed with, and where We offer make a personal recommendation to arrange a facility with a premium finance provider which allows You to pay Your insurance premium by regular instalmentsYou, We do will clarify the scope of the advice given and explain the reasons. This will be provided in a durable medium (which includes email, unless You tell Us otherwise). Although Our letter/report will set out key aspects of the cover, this is not offer advice intended to be a substitute to the insurer(s) policy wording, which will take precedent in relation setting out the terms of the cover. We will use Our best endeavours to this facility; however, We may ask some questions to narrow down the selection of options available. You must make Your own choice on which option to accept. When arranging a facility with a premium finance provider place cover on Your behalf, We only act as a credit broker; but We do not act as a lenderguarantee to be able to do so. Although While We take care to ensure that the information contained on Our website is accurate and up to up-to-date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website. As intermediaries We never own the investments You buy or transact through Us. All investments will be registered in the name(s) of the client(s) unless otherwise agreed in writing. We will forward to You all documents showing ownership of the investments as soon as practical after We receive them. Where a number of documents relating to a series of transactions are involved, We may retain each document until the series is completed and then forward them to You. In some cases the documentation will be sent to You direct from the product provider. We are obligated not to act on any instructions where We believe that the transaction concerned would not be suitable for You. In such cases We shall immediately notify You in writing (letter, electronic mail or facsimile) of the reason for this. No action shall then be taken unless You confirm the instruction to Us in writing. We aim to treat You fairly and to meet the following outcomes in all Our dealings with You: • You can be confident that the fair treatment of customers is central to Our corporate culture. • The products and services that We have marketed and You have chosen are designed to meet Your insurance needs as far as reasonably possible. • We will provide You with clear information and keep You appropriately informed before, during and after the point of sale. • We will provide You with products that perform as We have led You to expect and the associated service is both of an acceptable standard and as You have been led to expect. • You will not face unreasonable post- sale barriers to change product, switch provider, submit a claim or make a complaint. • We will give You full information about the products and services We offer, including details of any costs or charges (if any) in addition to Your premiums.

OUR SERVICE TO YOU. We will act honestly, fairly as an insurance broker to arrange and professionally in accordance with Your best interestsadminister contracts of insurance on your instructions. We will normally represent You, rather than acting on behalf of the insurer. If We do not represent You, We will inform you accordingly. We will normally give You advice and provide a personal recommendation about the insurance contract being proposed. If We do not give to You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: • Giving a personal recommendation on the basis of a fair and personal analysis of the market, as distinct from using only a single or limited number of insurance undertakings. This is Where Our normal service. • Under a contractual obligation service differs to place business exclusively with this, either because We only consider one or more insurers a restricted number of insurers, or if We do not give You a personal recommendation about the insurance products offered (in which case You are responsible for ensuring that it is suitable for You), We will advise You accordingly and, in the former case, We will provide You with the names of those insurers). Examples of this type of service would include ‘single insurer’ or ‘panel of insurers’ type arrangements. • Not under a contractual obligation to place exclusively insurers with one or more insurers and which We do not give a personal recommendation on the basis of a fair and personal analysis of the market (in which case We will provide You with the names of those insurers). An example of this type of service would be where We only approach Your existing insurers for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with them. Where We give advice and a personal recommendation, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed is suitable for Youconduct business. We will provide You with details of the cover effected on Your behalf, including the insurer(s) who are underwriting the risk, and will clarify the scope of the advice given and explain the reasons. This will be provided in a durable medium (which includes email, unless You tell Us otherwise). We will provide You with evidence of cover and all relevant documentation promptly after inception of a policy. On occasion We may arrange insurance on Your behalf with insurers that have granted us a delegated underwriting authority. This authority may extend to the management of Your claims. We will notify You in the event We are acting under a delegated authority. Although Our letter/report setting will set out key aspects of the insurance cover being proposed; howevercover, this is not intended to be a substitute for the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor use Our reasonable endeavours to place insurance cover on Your behalf, but We do not guarantee to be able to do thisso. We will provide You with details of the cover effected on Your behalf, including the insurer who is underwriting the risk. Where We offer to arrange a facility with a premium finance provider which allows You to pay Your insurance premium by regular instalments, We do not offer advice in relation to this facility; however, We may ask some questions to narrow down the selection of options available. You must make Your own choice on which option to accept. When arranging a facility with a premium finance provider on Your behalf, We only act as a credit broker; We do not act as a lender. Although While We take care to ensure that the information contained on Our website is accurate and up to date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website. Where We offer an instalment facility to You in order to pay Your insurance premium by regular instalments, We do not offer advice in relation to this, but We may ask some questions to narrow down the selection of options available; You must make Your own choice on which option to accept. We only act as a credit broker when arranging instalment facilities on Your behalf, and not as a lender. We aim to treat You fairly and to meet the following outcomes in all Our dealings with You: • You can be confident that the fair treatment of customers is central to Our corporate culture. • The products and services that We have recommended to You and You have chosen are designed to meet Your insurance needs as far as reasonably possible. • We will provide You with clear information and keep You appropriately informed before, during and after the point of sale. • You will not face unreasonable post-sale barriers to submit a claim or make a complaint. • We will give You appropriate information about the products and services We recommend, including details of any costs or charges (if any), in addition to Your premiums. Motor Insurance Database (MID) In accordance with the 4th European Union Motor Insurance Directive, as codified by Directive 2009/103/EC (and any subsequent legislation), where We have agreed with You to provide this service, We will endeavour to assist You in complying with the legislation surrounding the notification of vehicles to the MID. We may charge for this assistance. It should be noted that the responsibility for notification of vehicles or information remains with You. We cannot accept responsibility for any item either incorrectly registered or not registered on the database, whether notified to Us or not.

OUR SERVICE TO YOU. We will act honestly, fairly as an insurance broker to arrange and professionally in accordance with Your best interestsadminister contracts of insurance on your instructions. We will normally represent You, rather than acting on behalf of the insurer. If We do not represent You, We will inform you accordingly. We will normally give You advice and provide a personal recommendation about the insurance contract being proposed. If We do not give to You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: • Giving a personal recommendation on the basis of a fair and personal analysis of the market, as distinct from using only a single or limited number of insurance undertakings. This is Where Our normal service. • Under a contractual obligation service differs to place business exclusively with this, either because We only consider one or more insurers a restricted number of insurers, or if We do not give You a personal recommendation about the insurance products offered (in which case You are responsible for ensuring that it is suitable for You), We will advise You accordingly and, in the former case, We will provide You with the names of those insurers). Examples of this type of service would include ‘single insurer’ or ‘panel of insurers’ type arrangements. • Not under a contractual obligation to place exclusively insurers with one or more insurers and which We do not give a personal recommendation on the basis of a fair and personal analysis of the market (in which case We will provide You with the names of those insurers). An example of this type of service would be where We only approach Your existing insurers for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with them. Where We give advice and a personal recommendation, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed is suitable for Youconduct business. We will provide You with details of the cover effected on Your behalf, including the insurer(s) who are underwriting the risk, and will clarify the scope of the advice given and explain the reasons. This will be provided in a durable medium (which includes email, unless You tell Us otherwise). We will provide You with evidence of cover and all relevant documentation promptly after inception of a policy. On occasion, We may arrange insurance on Your behalf with insurers that have granted us a delegated underwriting authority. This authority may extend to the management of Your claims. We will notify You in the event We are acting under a delegated authority. Although Our letter/report setting will set out key aspects of the insurance cover being proposed; howevercover, this is not intended to be a substitute for the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor use Our best endeavours to place insurance cover on Your behalf, but We do not guarantee to be able to do thisso. We will provide You with details of the cover effected on Your behalf, including the insurer who is underwriting the risk. Where We offer to arrange a facility with a premium finance provider which allows You to pay Your insurance premium by regular instalments, We do not offer advice in relation to this facility; however, We may ask some questions to narrow down the selection of options available. You must make Your own choice on which option to accept. When arranging a facility with a premium finance provider on Your behalf, We only act as a credit broker; We do not act as a lender. Although While We take care to ensure that the information contained on Our website is accurate and up to date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website. Where We offer an instalment facility to You in order to pay Your insurance premium by regular instalments, We do not offer advice in relation to this, but We may ask some questions to narrow down the selection of options available; You must make Your own choice on which option to accept. We only act as a credit broker when arranging instalment facilities on Your behalf, and not as a lender. We aim to treat You fairly and to meet the following outcomes in all Our dealings with You: • You can be confident that the fair treatment of customers is central to Our corporate culture. • The products and services that We have recommended to You and You have chosen are designed to meet Your insurance needs as far as reasonably possible. • We will provide You with clear information and keep You appropriately informed before, during and after the point of sale. • You will not face unreasonable post-sale barriers to submit a claim or make a complaint. • We will give You appropriate information about the products and services We recommend, including details of any costs or charges (if any) in addition to Your premiums. Motor Insurance Database (MID) In accordance with the 4th European Union Motor Insurance Directive as codified by Directive 2009/103/EC (and any subsequent legislation), where We have agreed with You to provide this service, We will endeavour to assist You in complying with the legislation surrounding the notification of vehicles to the MID. We may charge for this assistance. It should be noted that the responsibility for notification of vehicles or information remains with You. We cannot accept responsibility for any item either incorrectly registered or not registered on the database, whether notified to Us or not.

OUR SERVICE TO YOU. We will act honestlyas an insurance broker to arrange and administer contracts of insurance on your instructions. We provide advice and assistance in the arrangement and placing of General Insurance, fairly Life & Pensions, Health Insurance, Investments and professionally Mortgages. In addition, we provide insurance related risk management advice and assistance in accordance with Your best interestsclaims negotiation and settlement. As a Credit Intermediary, we can also arrange personal loans, e.g. premium finance. We will normally represent You, rather than acting on behalf of the insurer. If We do not represent You, We will inform you accordingly. We will normally give You advice and provide a personal recommendation about the insurance contract being proposed. If We do not give to You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: • Giving a personal recommendation on the basis of a fair and personal analysis of the market, as distinct from using only a single or limited number of insurance undertakings This means we will research the market place, products and providers and recommend the best product to suit your own needs. This research is Our normal serviceon the basis of a sufficiently large number of products and providers available, in accordance with professional criteria, regarding which contract would be suitable to meet your needs. • Under We will identify, select and recommend a contractual obligation suitable product producer and on receipt of your instructions, we will transmit orders on your behalf to place business exclusively with one or more insurers product producers (a list of which is available on request). We do not have a “tied‟ relationship with any institution that would compromise our ability to carry out this analysis. The number of providers that constitutes ‘sufficiently large’ will vary depending on the number of providers operating in the market for a particular product or service and their relative importance in and share of that market. The extent of fair analysis must be such that could reasonably be expected of a professional conducting business, taking into account the accessibility of information and product placement to intermediaries and the cost of the search. In order to ensure that the number of contracts and providers is sufficiently large to constitute a fair and personal analysis of the market, we will consider the following criteria: • the needs of the customer • the size of the customer order • the number of providers in the market that deal with brokers • the market share of each of those providers • the number of relevant products available from each provider • the availability of information about the products • the quality of the product and service provided by the provider • cost • any other relevant consideration Where Our service differs to this, either because We only consider one or a restricted number of insurers, or if We do not give You a personal recommendation about the insurance products offered (in which case You are responsible for ensuring that it is suitable for You), We will advise You accordingly and in the former case, We will provide You with the names of those insurers)insurers with which We conduct business. Examples of this type of service would include ‘single insurer’ or ‘panel of insurers’ type arrangements. • Not under a contractual obligation to place exclusively with one or more insurers and We do not give a personal recommendation on the basis of a fair and personal analysis of the market (in which case We will provide You with the names of those insurers). An example of this type of service would be where We only approach Your existing insurers for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with them. Where We give advice and a personal recommendation, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed is suitable for You. We will provide You with a letter/report setting out key aspects of the insurance cover being proposed; however, this is not intended to be a substitute for the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor to place insurance cover on Your behalf, but We do not guarantee to be able to do this. We will provide You with details of the cover effected on Your behalf, including the insurer who is underwriting the risk. Where We offer to arrange a facility with a premium finance provider which allows You to pay Your insurance premium by regular instalments, We do not offer advice in relation to this facility; however, We may ask some questions to narrow down the selection of options available. You must make Your own choice on which option to accept. When arranging a facility with a premium finance provider on Your behalf, We only act as a credit broker; We do not act as a lender. Although We take care to ensure that the information contained on Our website is accurate and up to date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website.Limited Analysis

OUR SERVICE TO YOU. We will act honestly, fairly and professionally in accordance with Your best interests. We will normally represent You, rather than acting on behalf of the insurer. If We do not represent You, We will inform you accordingly. We will normally give You advice and provide a personal recommendation about the insurance contract being proposed. If We do not give to You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: • Giving a personal recommendation on the basis of a fair and personal analysis of the market. This is Our normal service. • Under , as distinct from using only a contractual obligation single or limited number of insurance undertakings (details of which will be provided to place business exclusively with one or more insurers (in which case We will provide You with the names of those insurersYou). Examples of this type of Where Our service would include ‘single insurer’ or ‘panel differs to this, either because We only consider a restricted number of insurers’ type arrangements. • Not under a contractual obligation to place exclusively with one , or more insurers and if We do not give You a personal recommendation on the basis merits of a fair and personal analysis of the market transaction (in which case We will provide You with the names of those insurers). An example of this type of service would be where We only approach Your existing insurers for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with them. Where We give advice and a personal recommendation, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed it is suitable for You. ), We will provide advise You with a letter/report setting out key aspects of the insurance cover being proposed; however, this is not intended to be a substitute for the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor to place insurance cover on Your behalf, but We do not guarantee to be able to do thisaccordingly. We will provide You with details of the cover effected on Your behalf, including the insurer insurer(s) who is are underwriting the risk, and will clarify the scope of the advice given and explain the reasons. Where We offer to arrange This will be provided in a facility with a premium finance provider durable medium (which allows includes email, unless You to pay Your insurance premium by regular instalments, We do not offer advice in relation to this facility; however, tell Us otherwise). On occasion We may ask some questions arrange insurance on Your behalf with insurers that have granted us a delegated underwriting authority. This authority may extend to narrow down the selection management of options availableYour claims. We will notify You must make Your own choice on in the event We are acting under a delegated authority. Although Our letter/ report will set out key aspects of the cover, this is not intended to be a substitute to the insurer(s) policy wording, which option will take precedent in setting out the terms of the cover. We will use Our best endeavours to accept. When arranging a facility with a premium finance provider place cover on Your behalf, We only act as a credit broker; but We do not act as a lenderguarantee to be able to do so. Although While We take care to ensure that the information contained on Our website is accurate and up to up-to-date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website. This Agreement is between ‘You’ the client or potential client ‘You, Your’ and Aston Lark Limited ‘We, Us, Our’, and applies to all work that We carry out on Your behalf. Please read this Agreement carefully and contact Us if there is anything in this Agreement with which You disagree or do not understand. Where We offer an instalment facility to You in order to pay Your insurance premium by regular instalments, We do not offer advice in relation to this, but We may ask some questions to narrow down the selection of options available; You must make Your own choice on which option to accept. We only act as a credit broker when arranging instalment facilities on Your behalf, and not as a lender. We aim to treat You fairly and to meet the following outcomes in all Our dealings with You: • You can be confident that the fair treatment of customers is central to Our corporate culture. • The products and services that We have marketed and You have chosen are designed to meet Your insurance needs as far as reasonably possible. • We will provide You with clear information and keep You appropriately informed before, during and after the point of sale. • We will provide You with products that perform as We have led You to expect and the associated service is both of an acceptable standard and as You have been led to expect. • You will not face unreasonable post- sale barriers to change product, switch provider, submit a claim or make a complaint. • We will give You full information about the products and services We offer, including details of any costs or charges (if any) in addition to Your premiums. If requested, We will tell You what Our commission is and any other remuneration We receive for arranging Your insurance or providing You with any other services. Motor insurance database (MID) In accordance with the 4th European Union Directive (and any subsequent legislation), where We have agreed with You to provide this service, We will endeavour to assist You in complying with the legislation surrounding the notification of vehicles to the MID. We may charge for this assistance. It should be noted that the responsibility for notification of vehicles or information remains with You. We cannot accept responsibility for any item either incorrectly registered or not registered on the database, whether notified to Us or not.

OUR SERVICE TO YOU. We will act honestly, fairly as an insurance broker to arrange and professionally in accordance with Your best interestsadminister contracts of insurance on your instructions. We will normally represent You, rather than acting on behalf of the insurer. If We do not represent You, We will inform you accordingly. We will normally give You advice and provide a personal recommendation about the insurance contract being proposed. If We do not give to You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: • Giving a personal recommendation on the basis of a fair and personal analysis of the market, as distinct from using only a single or limited number of insurance undertakings. This is Where Our normal service. • Under a contractual obligation service differs to place business exclusively with this, either because We only consider one or more insurers a restricted number of insurers, or if We do not give You a personal recommendation about the insurance products offered (in which case You are responsible for ensuring that it is suitable for You), We will advise You accordingly and, in the former case, We wil l provide You with the names of those insurers). Examples of this type of service would include ‘single insurer’ or ‘panel of insurers’ type arrangements. • Not under a contractual obligation to place exclusively insurers with one or more insurers and which We do not give a personal recommendation on the basis of a fair and personal analysis of the market (in which case We will provide You with the names of those insurers). An example of this type of service would be where We only approach Your existing insurers for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with them. Where We give advice and a personal recommendation, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed is suitable for Youconduct business. We will provide You with details of the cover effected on Your behalf, including the insurer(s) who are underwriting the risk, and will clarify the scope of the advice given an d explain the reasons. This will be provided in a durable medium (which includes email, unless You tell Us otherwise). We will provide You with evidence of cover and all relevant documentation promptly after inception of a policy. On occasion We may arrange insurance on Your behalf with insurers that have granted us a delegated underwriting authority. This authority may extend to the management of Your claims. We will notify You in the event We are acting under a delegated authority. The Howden group of companies contains entities which operate as Managing Agents. These Managing Agents act as agents of insurers for the purposes of underwriting and binding insurance risks. In some cases, and where appropriate, we may present to you insurance policy terms and conditions from Howden group entities. We may also access insurance companies via another Howden group broker where we deem it necessary to do so. Where we do this, we will inform you when we provide you with a quotation. Although Our letter/report setting will set out key aspects of the insurance cover being proposed; howevercover, this is not intended to be a substitute for the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor use Our reasonable endeavours to place insurance cover on Your behalf, but We do not guarantee to be able to do thisso. We will provide You with details of the cover effected on Your behalf, including the insurer who is underwriting the risk. Where We offer to arrange a facility with a premium finance provider which allows You to pay Your insurance premium by regular instalments, We do not offer advice in relation to this facility; however, We may ask some questions to narrow down the selection of options available. You must make Your own choice on which option to accept. When arranging a facility with a premium finance provider on Your behalf, We only act as a credit broker; We do not act as a lender. Although While We take care to ensure that the information contained on Our website is accurate and up to date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website. Where you require an instalment facility, we will ask your permission to refer You to our Principal, Howden. We do not offer advice in relation to this, but we may ask some questions to narrow down the selection of options available; You must make Your own choice on which option to accept. Howden only act as a credit broker when arranging instalment facilities on Your behalf, and not as a lender. We aim to treat You fairly and to meet the following outcomes in all Our dealings with You: • You can be confident that the fair treatment of customers is central to Our corporate culture. • The products and services that We have recommended to You and You have chosen are designed to meet Your insurance needs as far as reasonably possible. • We will provide You with clear information and keep You appropriately informed before, during and after the point of sale. • You will not face unreasonable post-sale barriers to submit a claim or make a complaint. • We will give You appropriate information about the products and services We recommend, including details of any costs or charges (if any) in addition to Your premiums. Motor Insurance Database (MID) In accordance with the 4th European Union Motor Insurance Directive as codified by Directive 2009/103/EC (and any subsequent legislation), where We have agreed with You to provide this service, We will endeavour to assist You in complying with the legislation surrounding the notification of vehicles to the MID. We may charge for this assistance. It should be noted that the responsibility for notification of vehicles or information remains with You. We cannot accept responsibility for any item either incorrectly registered or not registered on the database, whether notified to Us or not.

OUR SERVICE TO YOU. We will act honestly, fairly and professionally in accordance with Your best interests. We will normally represent You, rather than acting on behalf of the insurer. If We do not represent You, We will inform you accordingly. We will normally give You advice and provide a personal recommendation about the insurance contract being proposed. If We do not give to You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: • Giving a personal recommendation on the basis of a fair and personal analysis of the market. This is Our normal service. • Under , as distinct from using only a contractual obligation single or limited number of insurance undertakings (details of which will be provided to place business exclusively with one or more insurers (in which case We will provide You with the names of those insurersYou). Examples of this type of Where Our service would include ‘single insurer’ or ‘panel differs to this, either because We only consider a restricted number of insurers’ type arrangements. • Not under a contractual obligation to place exclusively with one , or more insurers and if We do not give You a personal recommendation on the basis merits of a fair and personal analysis of the market transaction (in which case We will provide You with the names of those insurers). An example of this type of service would be where We only approach Your existing insurers for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with them. Where We give advice and a personal recommendation, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed it is suitable for You. ), We will provide advise You with a letter/report setting out key aspects of the insurance cover being proposed; however, this is not intended to be a substitute for the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor to place insurance cover on Your behalf, but We do not guarantee to be able to do thisaccordingly. We will provide You with details of the cover effected on Your behalf, including the insurer insurer(s) who is are underwriting the risk, and will clarify the scope of the advice given and explain the reasons. Where We offer to arrange This will be provided in a facility with a premium finance provider durable medium (which allows includes email, unless You to pay Your insurance premium by regular instalments, We do not offer advice in relation to this facility; however, tell Us otherwise). On occasion We may ask some questions arrange insurance on Your behalf with insurers that have granted us a delegated underwriting authority. This authority may extend to narrow down the selection management of options availableYour claims. We will notify You must make Your own choice on in the event We are acting under a delegated authority. Although Our letter/ report will set out key aspects of the cover, this is not intended to be a substitute to the insurer(s) policy wording, which option will take precedent in setting out the terms of the cover. We will use Our best endeavours to accept. When arranging a facility with a premium finance provider place cover on Your behalf, We only act as a credit broker; but We do not act as a lenderguarantee to be able to do so. Although While We take care to ensure that the information contained on Our website is accurate and up to up-to-date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website. Where We offer an instalment facility to You in order to pay Your insurance premium by regular instalments, We do not offer advice in relation to this, but We may ask some questions to narrow down the selection of options available; You must make Your own choice on which option to accept. We only act as a credit broker when arranging instalment facilities on Your behalf, and not as a lender. We aim to treat You fairly and to meet the following outcomes in all Our dealings with You: • You can be confident that the fair treatment of customers is central to Our corporate culture. • The products and services that We have marketed and You have chosen are designed to meet Your insurance needs as far as reasonably possible. • We will provide You with clear information and keep You appropriately informed before, during and after the point of sale. • We will provide You with products that perform as We have led You to expect and the associated service is both of an acceptable standard and as You have been led to expect. • You will not face unreasonable post- sale barriers to change product, switch provider, submit a claim or make a complaint. We will give You full information about the products and services We offer, including details of any costs or charges (if any) in addition to Your premiums. If requested, We will tell You what Our commission is and any other remuneration We receive for arranging Your insurance or providing You with any other services. Motor Insurance Database (MID) In accordance with the 4th European Union Directive (and any subsequent legislation), where We have agreed with You to provide this service, We will endeavour to assist You in complying with the legislation surrounding the notification of vehicles to the MID. We may charge for this assistance. It should be noted that the responsibility for notification of vehicles or information remains with You. We cannot accept responsibility for any item either incorrectly registered or not registered on the database, whether notified to Us or not.

OUR SERVICE TO YOU. We will act honestly, fairly and professionally in accordance with Your best interests. We will normally represent You, rather than acting on behalf of the insurer. If We do not represent You, We will inform you accordingly. We will normally give You advice and provide a personal recommendation about the insurance contract being proposed. If We do not give to You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: • Giving a personal recommendation on the basis of a fair and personal analysis of the market. This is Our normal service. • Under , as distinct from using only a contractual obligation single or limited number of insurance undertakings (details of which will be provided to place business exclusively with one or more insurers (in which case We will provide You with the names of those insurersYou). Examples of this type of Where Our service would include ‘single insurer’ or ‘panel differs to this, either because We only consider a restricted number of insurers’ type arrangements. • Not under a contractual obligation to place exclusively with one , or more insurers and if We do not give You a personal recommendation on the basis merits of a fair and personal analysis of the market transaction (in which case We will provide You with the names of those insurers). An example of this type of service would be where We only approach Your existing insurers for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with them. Where We give advice and a personal recommendation, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed it is suitable for You. ), We will provide advise You with a letter/report setting out key aspects of the insurance cover being proposed; however, this is not intended to be a substitute for the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor to place insurance cover on Your behalf, but We do not guarantee to be able to do thisaccordingly. We will provide You with details of the cover effected on Your behalf, including the insurer insurer(s) who is are underwriting the risk, and will clarify the scope of the advice given and explain the reasons. Where We offer to arrange This will be provided in a facility with a premium finance provider durable medium (which allows includes email, unless You to pay Your insurance premium by regular instalments, We do not offer advice in relation to this facility; however, tell Us otherwise). On occasion We may ask some questions arrange insurance on Your behalf with insurers that have granted us a delegated underwriting authority. This authority may extend to narrow down the selection management of options availableYour claims. We will notify You must make Your own choice on in the event We are acting under a delegated authority. Although Our letter/ report will set out key aspects of the cover, this is not intended to be a substitute to the insurer(s) policy wording, which option will take precedent in setting out the terms of the cover. We will use Our best endeavours to accept. When arranging a facility with a premium finance provider place cover on Your behalf, We only act as a credit broker; but We do not act as a lenderguarantee to be able to do so. Although While We take care to ensure that the information contained on Our website is accurate and up to date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website. Where We offer an instalment facility to You in order to pay Your insurance premium by regular instalments, We do not offer advice in relation to this, but We may ask some questions to narrow down the selection of options available; You must make Your own choice on which option to accept. We only act as a credit broker when arranging instalment facilities on Your behalf, and not as a lender. We aim to treat You fairly and to meet the following outcomes in all Our dealings with You: • You can be confident that the fair treatment of customers is central to Our corporate culture. • The products and services that We have marketed and You have chosen are designed to meet Your insurance needs as far as reasonably possible. • We will provide You with clear information and keep You appropriately informed before, during and after the point of sale. • We will provide You with products that perform as We have led You to expect and the associated service is both of an acceptable standard and as You have been led to expect. • You will not face unreasonable post- sale barriers to change product, switch provider, submit a claim or make a complaint. We will give You full information about the products and services We offer, including details of any costs or charges (if any) in addition to Your premiums. If requested, We will tell You what Our commission is and any other remuneration We receive for arranging Your insurance or providing You with any other services. Motor Insurance Database (MID) In accordance with the 4th European Union Directive (and any subsequent legislation), where We have agreed with You to provide this service, We will endeavour to assist You in complying with the legislation surrounding the notification of vehicles to the MID. We may charge for this assistance. It should be noted that the responsibility for notification of vehicles or information remains with You. We cannot accept responsibility for any item either incorrectly registered or not registered on the database, whether notified to Us or not.

OUR SERVICE TO YOU. We will act honestly, fairly as an insurance broker to arrange and professionally in accordance with Your best interestsadminister contracts of insurance on your instructions. We will normally represent You, rather than acting on behalf of the insurer. If We do not represent You, We will inform you accordingly. We will normally give You advice and provide a personal recommendation about the insurance contract being proposed. If We do not give to You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: • Giving a personal recommendation on the basis of a fair and personal analysis of the market, as distinct from using only a single or limited number of insurance undertakings. This is Where Our normal service. • Under a contractual obligation service differs to place business exclusively with this, either because We only consider one or more insurers a restricted number of insurers, or if We do not give You a personal recommendation about the insurance products offered (in which case You are responsible for ensuring that it is suitable for You), We will advise You accordingly and, in the former case, We will provide You with the names of those insurers). Examples of this type of service would include ‘single insurer’ or ‘panel of insurers’ type arrangements. • Not under a contractual obligation to place exclusively insurers with one or more insurers and which We do not give a personal recommendation on the basis of a fair and personal analysis of the market (in which case We will provide You with the names of those insurers). An example of this type of service would be where We only approach Your existing insurers for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with them. Where We give advice and a personal recommendation, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed is suitable for Youconduct business. We will provide You with details of the cover effected on Your behalf, including the insurer(s) who are underwriting the risk, and will clarify the scope of the advice given and explain the reasons. This will be provided in a durable medium (which includes email, unless You tell Us otherwise). We will provide You with evidence of cover and all relevant documentation promptly after inception of a policy. On occasion, We may arrange insurance on Your behalf with insurers that have granted us a delegated underwriting authority. This authority may extend to the management of Your claims. We will notify You in the event We are acting under a delegated authority. The Aston Lark group of companies contains entities which operate as Managing Agents. These Managing Agents act as agents of insurers for the purposes of underwriting and binding insurance risks. In some cases, and where appropriate, we may present to you insurance policy terms and conditions from Aston Lark group entities. We may also access insurance companies via another Aston Lark group broker where we deem it necessary to do so. Where we do this, we will inform you when we provide you with a quotation. Although Our letter/report setting will set out key aspects of the insurance cover being proposed; howevercover, this is not intended to be a substitute for the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor use Our reasonable endeavours to place insurance cover on Your behalf, but We do not guarantee to be able to do thisso. We will provide You with details of the cover effected on Your behalf, including the insurer who is underwriting the risk. Where We offer to arrange a facility with a premium finance provider which allows You to pay Your insurance premium by regular instalments, We do not offer advice in relation to this facility; however, We may ask some questions to narrow down the selection of options available. You must make Your own choice on which option to accept. When arranging a facility with a premium finance provider on Your behalf, We only act as a credit broker; We do not act as a lender. Although While We take care to ensure that the information contained on Our website is accurate and up to date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website. Where We offer an instalment facility to You in order to pay Your insurance premium by regular instalments, We do not offer advice in relation to this, but We may ask some questions to narrow down the selection of options available; You must make Your own choice on which option to accept. We only act as a credit broker when arranging instalment facilities on Your behalf, and not as a lender. We aim to treat You fairly and to meet the following outcomes in all Our dealings with You: • You can be confident that the fair treatment of customers is central to Our corporate culture. • The products and services that We have recommended to You and You have chosen are designed to meet Your insurance needs as far as reasonably possible. • We will provide You with clear information and keep You appropriately informed before, during and after the point of sale. • You will not face unreasonable post-sale barriers to submit a claim or make a complaint. • We will give You appropriate information about the products and services We recommend, including details of any costs or charges (if any), in addition to Your premiums.

OUR SERVICE TO YOU. Our primary service is the provision of pension and protection broking and related advice, to businesses and individuals, and the administration of such arrangements. As such, We offer a restricted advice service in that We do not advise on all products, and for certain contracts We may only consider products from a limited number of providers. You may ask Us for a list of companies and products We offer advice on. We do not provide a holistic financial planning service, advice on tax mitigation plans nor do We arrange or advise on non-pension related investments. We are not investment managers. Since We do not offer a holistic planning service You will act honestlyneed to satisfy Yourself in respect of protection contracts that the level of cover being arranged meets Your requirements. Our pension service will include the establishment and running of group pension arrangements, fairly as well as pre- retirement planning and professionally in accordance with Your best interestsguidance on the available pension options at and after retirement for individuals. We will normally represent You, rather than acting on behalf of the insurer. If We do not represent You, We will inform you accordingly. We will normally give You advice and provide a personal recommendation about the insurance contract being proposed. If We do not give to You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: • Giving a personal recommendation on the basis of a fair and personal analysis of the market. This is Where Our normal service. • Under service differs to this, either because We only consider a contractual obligation to place business exclusively with one or more insurers (in which case We will provide You with the names of those insurers). Examples of this type of service would include ‘single insurer’ or ‘panel restricted number of insurers’ type arrangements. • Not under a contractual obligation to place exclusively with one , or more insurers and if We do not give You a personal recommendation on the basis merits of a fair and personal analysis of the market transaction (in which case We will provide You with the names of those insurers). An example of this type of service would be where We only approach Your existing insurers for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with them. Where We give advice and a personal recommendation, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed it is suitable for You. ), We will provide advise You with a letter/report setting out key aspects of the insurance cover being proposed; however, this is not intended to be a substitute for the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor to place insurance cover on Your behalf, but We do not guarantee to be able to do thisaccordingly. We will provide You with details of the cover effected on Your behalf, including the insurer insurer(s) who this is underwriting the risk. Where placed with, and where We offer make a personal recommendation to arrange a facility with a premium finance provider which allows You to pay Your insurance premium by regular instalmentsYou, We do will clarify the scope of the advice given and explain the reasons. This will be provided in a durable medium (which includes email, unless You tell Us otherwise). Although Our letter/report will set out key aspects of the cover, this is not offer advice intended to be a substitute to the insurer(s) policy wording, which will take precedent in relation setting out the terms of the cover. We will use Our best endeavours to this facility; however, We may ask some questions to narrow down the selection of options available. You must make Your own choice on which option to accept. When arranging a facility with a premium finance provider place cover on Your behalf, We only act as a credit broker; but We do not act as a lenderguarantee to be able to do so. Although While We take care to ensure that the information contained on Our website is accurate and up to up-to-date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website. As intermediaries We never own the investments You buy or transact through Us. All investments will be registered in the name(s) of the client(s) unless otherwise agreed in writing. We will forward to You all documents showing ownership of the investments as soon as practical after We receive them. Where a number of documents relating to a series of transactions are involved, We may retain each document until the series is completed and then forward them to You. In some cases the documentation will be sent to You direct from the product provider. We are obligated not to act on any instructions where We believe that the transaction concerned would not be suitable for You. In such cases We shall immediately notify You in writing (letter, electronic mail or facsimile) of the reason for this. No action shall then be taken unless You confirm the instruction to Us in writing. We aim to treat You fairly and to meet the following outcomes in all Our dealings with You: • You can be confident that the fair treatment of customers is central to Our corporate culture. • The products and services that We have marketed and You have chosen are designed to meet Your insurance needs as far as reasonably possible. • We will provide You with clear information and keep You appropriately informed before, during and after the point of sale. • We will provide You with products that perform as We have led You to expect and the associated service is both of an acceptable standard and as You have been led to expect. • You will not face unreasonable post- sale barriers to change product, switch provider, submit a claim or make a complaint. • We will give You full information about the products and services We offer, including details of any costs or charges (if any) in addition to Your premiums.

OUR SERVICE TO YOU. We will act honestly, fairly as an insurance broker to arrange and professionally in accordance with Your best interestsadminister contracts of insurance on your instructions. We will normally represent You, rather than acting on behalf of the insurer. If We do not represent You, We will inform you accordingly. We will normally give You advice and provide a personal recommendation about the insurance contract being proposed. If We do not give to You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: • Giving a personal recommendation on the basis of a fair and personal analysis of the market, as distinct from using only a single or limited number of insurance undertakings. This is Where Our normal service. • Under a contractual obligation service differs to place business exclusively with this, either because We only consider one or more insurers a restricted number of insurers, or if We do not give You a personal recommendation about the insurance products offered (in which case You are responsible for ensuring that it is suitable for You), We will advise You accordingly and, in the former case, We will provide You with the names of those insurers). Examples of this type of service would include ‘single insurer’ or ‘panel of insurers’ type arrangements. • Not under a contractual obligation to place exclusively insurers with one or more insurers and which We do not give a personal recommendation on the basis of a fair and personal analysis of the market (in which case We will provide You with the names of those insurers). An example of this type of service would be where We only approach Your existing insurers for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with them. Where We give advice and a personal recommendation, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed is suitable for Youconduct business. We will provide You with details of the cover effected on Your behalf, including the insurer(s) who are underwriting the risk , and will clarify the scope of the advice given and explain the reasons. This will be provided in a durable medium (which includes email, unless You tell Us otherwise). We will provide You with evidence of cover and all relevant documentation promptly after inception of a policy. On occasion We may arrange insurance on Your behalf with insurers that have granted us a delegated underwriting authority. This authority may extend to the management of Your claims. We will notify You in the event We are acting under a delegated authority. Although Our letter/report setting will set out key aspects of the insurance cover being proposed; howevercover, this is not intended to be a substitute for the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor use Our reasonable endeavours to place insurance cover on Your behalf, but We do not guarantee to be able to do thisso. We will provide You with details of the cover effected on Your behalf, including the insurer who is underwriting the risk. Where We offer to arrange a facility with a premium finance provider which allows You to pay Your insurance premium by regular instalments, We do not offer advice in relation to this facility; however, We may ask some questions to narrow down the selection of options available. You must make Your own choice on which option to accept. When arranging a facility with a premium finance provider on Your behalf, We only act as a credit broker; We do not act as a lender. Although While We take care to ensure that the information contained on Our website is accurate and up to date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website. Where We offer an instalment facility to You in order to pay Your insurance premium by regular instalments, We do not offer advice in relation to this, but We may ask some questions to narrow down the selection of options available; You must make Your own choice on which option to accept. We only act as a credit broker when arranging instalment facilities on Your behalf, and not as a lender. We aim to treat You fairly and to meet the following outcomes in all Our dealings with You: • You can be confident that the fair treatment of customers is central to Our corporate culture. • The products and services that We have recommended to You and You have chosen are designed to meet Your insurance needs as far as reasonably possible. • We will provide You with clear information and keep You appropriately informed before, during and after the point of sale. • You will not face unreasonable post-sale barriers to submit a claim or make a complaint. • We will give You appropriate information about the products and services We recommend, including details of any costs or charges (if any) in addition to Your premiums. Motor Insurance Database (MID) In accordance with the 4th European Union Motor Insurance Directive as codified by Directive 2009/103/EC (and any subsequent legislation), where We have agreed with You to provide this service, We will endeavour to assist You in complying with the legislation surrounding the notification of vehicles to the MID. We may charge for this assistance. It should be noted that the responsibility for notification of vehicles or information remains with You. We cannot accept responsibility for any item either incorrectly registered or not registered on the database, whether notified to Us or not.

OUR SERVICE TO YOU. We will act honestly, fairly as an insurance broker to arrange and professionally in accordance with Your best interestsadminister contracts of insurance on your instructions. We will normally represent You, rather than acting on behalf of the insurer. If We do not represent You, We will inform you accordingly. We will normally give You advice and provide a personal recommendation about the insurance contract being proposed. If We do not give to You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: • Giving a personal recommendation on the basis of a fair and personal analysis of the market, as distinct from using only a single or limited number of insurance undertakings. This is Where Our normal service. • Under a contractual obligation service differs to place business exclusively with this, either because We only consider one or more insurers a restricted number of insurers, or if We do not give You a personal recommendation about the insurance products offered (in which case You are responsible for ensuring that it is suitable for You), We will advise You accordingly and, in the former case, We will provide You with the names of those insurers). Examples of this type of service would include ‘single insurer’ or ‘panel of insurers’ type arrangements. • Not under a contractual obligation to place exclusively insurers with one or more insurers and which We do not give a personal recommendation on the basis of a fair and personal analysis of the market (in which case We will provide You with the names of those insurers). An example of this type of service would be where We only approach Your existing insurers for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with them. Where We give advice and a personal recommendation, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed is suitable for Youconduct business. We will provide You with details of the cover effected on Your behalf, including the insurer(s) who are underwriting the risk, and will clarify the scope of the advice given and explain the reasons. This will be provided in a durable medium (which includes email, unless You tell Us otherwise). We will provide You with evidence of cover and all relevant documentation promptly after inception of a policy. On occasion We may arrange insurance on Your behalf with insurers that have granted us a delegated underwriting authority. This authority may extend to the management of Your claims. We will notify You in the event We are acting under a delegated authority. Although Our letter/report setting will set out key aspects of the insurance cover being proposed; howevercover, this is not intended to be a substitute for the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor use Our best endeavours to place insurance cover on Your behalf, but We do not guarantee to be able to do thisso. We will provide You with details of the cover effected on Your behalf, including the insurer who is underwriting the risk. Where We offer to arrange a facility with a premium finance provider which allows You to pay Your insurance premium by regular instalments, We do not offer advice in relation to this facility; however, We may ask some questions to narrow down the selection of options available. You must make Your own choice on which option to accept. When arranging a facility with a premium finance provider on Your behalf, We only act as a credit broker; We do not act as a lender. Although While We take care to ensure that the information contained on Our website is accurate and up to date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website. Where We offer an instalment facility to You in order to pay Your insurance premium by regular instalments, We do not offer advice in relation to this, but We may ask some questions to narrow down the selection of options available; You must make Your own choice on which option to accept. We only act as a credit broker when arranging instalment facilities on Your behalf, and not as a lender. We aim to treat You fairly and to meet the following outcomes in all Our dealings with You: • You can be confident that the fair treatment of customers is central to Our corporate culture. • The products and services that We have recommended to You and You have chosen are designed to meet Your insurance needs as far as reasonably possible. • We will provide You with clear information and keep You appropriately informed before, during and after the point of sale. • You will not face unreasonable post- sale barriers to submit a claim or make a complaint. • We will give You appropriate information about the products and services We recommend, including details of any costs or charges (if any) in addition to Your premiums. Motor Insurance Database (MID) In accordance with the 4th European Union Motor Insurance Directive as codified by Directive 2009/103/EC (and any subsequent legislation), where We have agreed with You to provide this service, We will endeavour to assist You in complying with the legislation surrounding the notification of vehicles to the MID. We may charge for this assistance. It should be noted that the responsibility for notification of vehicles or information remains with You. We cannot accept responsibility for any item either incorrectly registered or not registered on the database, whether notified to Us or not.

OUR SERVICE TO YOU. We will act honestlyas an insurance broker to arrange and administer contracts of insurance on your instructions. We provide advice and assistance in the arrangement and placing of General Insurance, fairly Life & Pensions, Health Insurance, Investments and professionally Mortgages. In addition, we provide insurance related risk management advice and assistance in accordance with Your best interestsclaims negotiation and settlement. As a Credit Intermediary, we can also arrange personal loans, e.g. premium finance. We will normally represent You, rather than acting on behalf of the insurer. If We do not represent You, We will inform you accordingly. We will normally give You advice and provide a personal recommendation about the insurance contract being proposed. If We do not give to You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: • Giving a personal recommendation on the basis of a fair and personal analysis of the market, as distinct from using only a single or limited number of insurance undertakings This means we will research the market place, products and providers and recommend the best product to suit your own needs. This research is Our normal serviceon the basis of a sufficiently large number of products and providers available, in accordance with professional criteria, regarding which contract would be suitable to meet your needs. • Under We will identify, select and recommend a contractual obligation suitable product producer and on receipt of your instructions, we will transmit orders on your behalf to place business exclusively with one or more insurers product producers (a list of which is available on request). We do not have a “tied‟ relationship with any institution that would compromise our ability to carry out this analysis. The number of providers that constitutes ‘sufficiently large’ will vary depending on the number of providers operating in the market for a particular product or service and their relative importance in and share of that market. The extent of fair analysis must be such that could reasonably be expected of a professional conducting business, taking into account the accessibility of information and product placement to intermediaries and the cost of the search. In order to ensure that the number of contracts and providers is sufficiently large to constitute a fair and personal analysis of the market, we will consider the following criteria: • the needs of the customer, • the size of the customer order, • the number of providers in the market that deal with brokers, • the market share of each of those providers, • the number of relevant products available from each provider, • the availability of information about the products, • the quality of the product and service provided by the provider, • cost, and • any other relevant consideration. Where Our service differs to this, either because We only consider one or a restricted number of insurers, or if We do not give You a personal recommendation 1about the insurance products offered (in which case You are responsible for ensuring that it is suitable for You), We will advise You accordingly and in the former case, We will provide You with the names of those insurers)insurers with which We conduct business. Examples of this type of service would include ‘single insurer’ or ‘panel of insurers’ type arrangements. • Not under Limited Analysis In certain circumstances, We may offer products with regulated insurers based on a contractual obligation to place exclusively with one or more insurers and We do not give a personal recommendation on the basis of a fair and personal limited analysis of the market. This limited analysis may occur where we operate a scheme product and the risk is eligible/suitable for same, or urgent cover may be required that does not facilitate a full market (in which case review. We will provide you with details of the cover effected on Your behalf, including the insurer(s) who are underwriting the risk, and will clarify the scope of the advice given and explain the reasons. This will be provided in a durable medium (which includes email, unless You with the names of those insurerstell Us otherwise). An example of this type of service would be where We only approach Your existing insurers for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with them. Where We give advice and a personal recommendation, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed is suitable for You. We will provide You with evidence of cover and all relevant documentation promptly after inception of a letter/policy. On occasion, We may arrange insurance on Your behalf with insurers that have granted us a delegated underwriting authority. This authority may extend to the management of Your claims. We will notify You in the event We are acting under a delegated authority. Although Our letter/ report setting will set out key aspects of the insurance cover being proposed; howevercover, this is not intended to be a substitute for to the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor use Our best endeavours to place insurance cover on Your behalf, but We do not guarantee to be able to do thisso. We will provide You with details of the cover effected on Your behalf, including the insurer who is underwriting the risk. Where We offer to arrange a facility with a premium finance provider which allows You to pay Your insurance premium by regular instalments, We do not offer advice in relation to this facility; however, We may ask some questions to narrow down the selection of options available. You must make Your own choice on which option to accept. When arranging a facility with a premium finance provider on Your behalf, We only act as a credit broker; We do not act as a lender. Although We While we take care to ensure that the information contained on Our website is accurate and up to date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website. Where We offer an instalment facility to You in order to pay Your insurance premium by regular instalments, We do not offer advice in relation to this, but We may ask some questions to narrow down the selection of options available; You must make Your own choice on which option to accept. We only act as a credit broker when arranging instalment facilities on Your behalf, and not as a lender. We aim to treat You fairly and to meet the following outcomes in all Our dealings with You: • You can be confident that the fair treatment of customers is central to Our corporate culture. • The products and services that We have recommended to You and You have chosen are designed to meet Your insurance needs as far as reasonably possible. • We will provide You with clear information and keep You appropriately informed before, during and after the point of sale. • You will not face unreasonable post-sale barriers to submit a claim or make a complaint. • We will give You appropriate information about the products and services We recommend, including details of any costs or charges (if any) in addition to Your premiums.

OUR SERVICE TO YOU. We will act honestlyas an insurance broker to arrange and administer contracts of insurance on your instructions. We provide advice and assistance in the arrangement and placing of General Insurance, fairly Life & Pensions, Health Insurance, Investments and professionally Mortgages. In addition, we provide insurance related risk management advice and assistance in accordance with Your best interestsclaims negotiation and settlement. As a Credit Intermediary, we can also arrange personal loans, e.g. premium finance. We will normally represent You, rather than acting on behalf of the insurer. If We do not represent You, We will inform you accordingly. We will normally give You advice and provide a personal recommendation about the insurance contract being proposed. If We do not give to You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: • Giving a personal recommendation on the basis of a fair and personal analysis of the market, as distinct from using only a single or limited number of insurance undertakings This means we will research the market place, products and providers and recommend the best product to suit your own needs. This research is Our normal serviceon the basis of a sufficiently large number of products and providers available, in accordance with professional criteria, regarding which contract would be suitable to meet your needs. • Under We will identify, select and recommend a contractual obligation suitable product producer and on receipt of your instructions, we will transmit orders on your behalf to place business exclusively with one or more insurers product producers (a list of which is available on request). We do not have a “tied‟ relationship with any institution that would compromise our ability to carry out this analysis. The number of providers that constitutes ‘sufficiently large’ will vary depending on the number of providers operating in the market for a particular product or service and their relative importance in and share of that market. The extent of fair analysis must be such that could reasonably be expected of a professional conducting business, taking into account the accessibility of information and product placement to intermediaries and the cost of the search. In order to ensure that the number of contracts and providers is sufficiently large to constitute a fair and personal analysis of the market, we will consider the following criteria: • the needs of the customer • the size of the customer order • the number of providers in the market that deal with brokers • the market share of each of those providers • the number of relevant products available from each provider • the availability of information about the products • the quality of the product and service provided by the provider • cost • any other relevant consideration Where Our service differs to this, either because We only consider one or a restricted number of insurers, or if We do not give You a personal recommendation about the insurance products offered (in which case You are responsible for ensuring that it is suitable for You), We will advise You accordingly and in the former case, We will provide You with the names of those insurers)insurers with which We conduct business. Examples Limited Analysis In certain circumstances, We may offer products with regulated insurers based on a limited analysis of this type of service would include ‘single insurer’ the market. This limited analysis may occur where we operate a scheme product and the risk is eligible/suitable for same, or ‘panel of insurers’ type arrangementsurgent cover may be required that does not facilitate a full market review. • Not under We also offer Health Insurance on a contractual obligation to place exclusively with one or more insurers and We do not give a personal recommendation on the basis of a fair and personal limited analysis of the market (in which case We will provide You with the names of those insurers). An example of this type of service would be where We only approach Your existing insurers for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with them. Where We give advice and a personal recommendation, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed is suitable for You. We will provide You with a letter/report setting out key aspects of the insurance cover being proposed; however, this is not intended to be a substitute for the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor to place insurance cover on Your behalf, but We do not guarantee to be able to do this. We will provide You with details of the cover effected on Your behalf, including the insurer who is underwriting the risk. Where We offer to arrange a facility with a premium finance provider which allows You to pay Your insurance premium by regular instalments, We do not offer advice in relation to this facility; however, We may ask some questions to narrow down the selection of options available. You must make Your own choice on which option to accept. When arranging a facility with a premium finance provider on Your behalf, We only act as a credit broker; We do not act as a lender. Although We take care to ensure that the information contained on Our website is accurate and up to date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website.Irish Life Health

OUR SERVICE TO YOU. We will act honestly, fairly as an insurance broker to arrange and professionally in accordance with Your best interestsadminister contracts of insurance on your instructions. We will normally represent You, rather than acting on behalf of the insurer. If We do not represent You, We will inform you accordingly. We will normally give You advice and provide a personal recommendation about the insurance contract being proposed. If We do not give to You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: • Giving a personal recommendation on the basis of a fair and personal analysis of the market, as distinct from using only a single or limited number of insurance undertakings. This is Where Our normal service. • Under a contractual obligation service differs to place business exclusively with this, either because We only consider one or more insurers a restricted number of insurers, or if We do not give You a personal recommendation about the insurance products offered (in which case You are responsible for ensuring that it is suitable for You), We will advise You accordingly and, in the former case, We will provide You with the names of those insurers). Examples of this type of service would include ‘single insurer’ or ‘panel of insurers’ type arrangements. • Not under a contractual obligation to place exclusively insurers with one or more insurers and which We do not give a personal recommendation on the basis of a fair and personal analysis of the market (in which case We will provide You with the names of those insurers). An example of this type of service would be where We only approach Your existing insurers for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with them. Where We give advice and a personal recommendation, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed is suitable for Youconduct business. We will provide You with details of the cover effected on Your behalf, including the insurer(s) who are underwriting the risk , and will clarify the scope of the advice given and explain the reasons. This will be provided in a durable medium (which includes email, unless You tell Us otherwise). We will provide You with evidence of cover and all relevant documentation promptly after inception of a policy. On occasion, We may arrange insurance on Your behalf with insurers that have granted us a delegated underwriting authority. This authority may extend to the management of Your claims. We will notify You in the event We are acting under a delegated authority. Although Our letter/report setting will set out key aspects of the insurance cover being proposed; howevercover, this is not intended to be a substitute for the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor use Our best endeavours to place insurance cover on Your behalf, but We do not guarantee to be able to do thisso. We will provide You with details of the cover effected on Your behalf, including the insurer who is underwriting the risk. Where We offer to arrange a facility with a premium finance provider which allows You to pay Your insurance premium by regular instalments, We do not offer advice in relation to this facility; however, We may ask some questions to narrow down the selection of options available. You must make Your own choice on which option to accept. When arranging a facility with a premium finance provider on Your behalf, We only act as a credit broker; We do not act as a lender. Although While We take care to ensure that the information contained on Our website is accurate and up to date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website. Where We offer an instalment facility to You in order to pay Your insurance premium by regular instalments, We do not offer advice in relation to this, but We may ask some questions to narrow down the selection of options available; You must make Your own choice on which option to accept. We only act as a credit broker when arranging instalment facilities on Your behalf, and not as a lender. We aim to treat You fairly and to meet the following outcomes in all Our dealings with You: • You can be confident that the fair treatment of customers is central to Our corporate culture. • The products and services that We have recommended to You and You have chosen are designed to meet Your insurance needs as far as reasonably possible. • We will provide You with clear information and keep You appropriately informed before, during and after the point of sale. • You will not face unreasonable post-sale barriers to submit a claim or make a complaint. • We will give You appropriate information about the products and services We recommend, including details of any costs or charges (if any) in addition to Your premiums. Motor Insurance Database (MID) In accordance with the 4th European Union Motor Insurance Directive as codified by Directive 2009/103/EC (and any subsequent legislation), where We have agreed with You to provide this service, We will endeavour to assist You in complying with the legislation surrounding the notification of vehicles to the MID. We may charge for this assistance. It should be noted that the responsibility for notification of vehicles or information remains with You. We cannot accept responsibility for any item either incorrectly registered or not registered on the database, whether notified to Us or not.

OUR SERVICE TO YOU. We will act honestly, fairly as an insurance broker to arrange and professionally in accordance with Your best interestsadminister contracts of insurance on your instructions. We will normally represent You, rather than acting on behalf of the insurer. If We do not represent You, We will inform you accordingly. We will normally give You advice and provide a personal recommendation about the insurance contract being proposed. If We do not give to You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: • Giving a personal recommendation on the basis of a fair and personal analysis of the market, as distinct from using only a single or limited number of insurance undertakings. This is Where Our normal service. • Under a contractual obligation service differs to place business exclusively with this, either because We only consider one or more insurers a restricted number of insurers, or if We do not give You a personal recommendation about the insurance products offered (in which case You are responsible for ensuring that it is suitable for You), We will advise You accordingly and, in the former case, We will provide You with the names of those insurers). Examples of this type of service would include ‘single insurer’ or ‘panel of insurers’ type arrangements. • Not under a contractual obligation to place exclusively insurers with one or more insurers and which We do not give a personal recommendation on the basis of a fair and personal analysis of the market (in which case We will provide You with the names of those insurers). An example of this type of service would be where We only approach Your existing insurers for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with them. Where We give advice and a personal recommendation, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed is suitable for Youconduct business. We will provide You with details of the cover effected on Your behalf, including the insurer(s) who are underwriting the risk, and will clarify the scope of the advice given and explain the reasons. This will be provided in a durable medium (which includes email, unless You tell Us otherwise). We will provide You with evidence of cover and all relevant documentation promptly after inception of a policy. On occasion We may arrange insurance on Your behalf with insurers that have granted us a delegated underwriting authority. This authority may extend to the management of Your claims. We will notify You in the event We are acting under a delegated authority. The Howden group of companies contains entities which operate as Managing Agents. These Managing Agents act as agents of insurers for the purposes of underwriting and binding insurance risks. In some cases, and where appropriate, we may present to you insurance policy terms and conditions from Howden group entities. We may also access insurance companies via another Howden group broker where we deem it necessary to do so. Where we do this, we will inform you when we provide you with a quotation. Although Our letter/report setting will set out key aspects of the insurance cover being proposed; howevercover, this is not intended to be a substitute for the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor w ill use Our reasonable endeavours to place insurance cover on Your behalf, but We do not guarantee to be able to do thisso. We will provide You with details of the cover effected on Your behalf, including the insurer who is underwriting the risk. Where We offer to arrange a facility with a premium finance provider which allows You to pay Your insurance premium by regular instalments, We do not offer advice in relation to this facility; however, We may ask some questions to narrow down the selection of options available. You must make Your own choice on which option to accept. When arranging a facility with a premium finance provider on Your behalf, We only act as a credit broker; We do not act as a lender. Although While We take care to ensure that the information contained on Our website is accurate and up to date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website. Where you require an instalment facility, we will ask your permission to refer You to our Principal, Aston Lark. We do not offer advice in relation to this, but we may ask some questions to narrow down the selection of options available; You must make Your own choice on which option to accept. Aston Lark only act as a credit broker when arranging instalment facilities on Your behalf, and not as a lend er. We aim to treat You fairly and to meet the following outcomes in all Our dealings with You: • You can be confident that the fair treatment of customers is central to Our corporate culture. • The products and services that We have recommended to You and You have chosen are designed to meet Your insurance needs as far as reasonably possible. • We will provide You with clear information and keep You appropriately informed before, during and after the point of sale. • You will not face unreasonable post-sale barriers to submit a claim or make a complaint. • We will give You appropriate information about the products and services We recommend, including details of any costs or charges (if any) in addition to Your premiums. Motor Insurance Database (MID) In accordance with the 4th European Union Motor Insurance Directive as codified by Directive 2009/103/EC (and any subsequent legislation), where We have agreed with You to provide this service, We will endeavour to assist You in complying with the legislation surrounding the notification of vehicles to the MID. We may charge for this assistance. It should be noted that the responsibility for notification of vehicles or information remains with You. We cannot accept responsibility for any item either incorrectly registered or not registered on the database, whether notified to Us or not.

OUR SERVICE TO YOU. We will act honestly, fairly as an insurance broker to arrange and professionally in accordance with Your best interestsadminister contracts of insurance on your instructions. We will normally represent You, rather than acting on behalf of the insurer. If We do not represent You, We will inform you accordingly. We will normally give You advice and provide a personal recommendation about the insurance contract being proposed. If We do not give to You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: • Giving a personal recommendation on the basis of a fair and personal analysis of the market, as distinct from using only a single or limited number of insurance undertakings. This is Where Our normal service. • Under a contractual obligation service differs to place business exclusively with this, either because We only consider one or more insurers a restricted number of insurers, or if We do not give You a personal recommendation about the insurance products offered (in which case You are responsible for ensuring that it is suitable for You), We will advise You accordingly and, in the former case, We will provide You with the names of those insurers). Examples of this type of service would include ‘single insurer’ or ‘panel of insurers’ type arrangements. • Not under a contractual obligation to place exclusively insurers with one or more insurers and which We do not give a personal recommendation on the basis of a fair and personal analysis of the market (in which case We will provide You with the names of those insurers). An example of this type of service would be where We only approach Your existing insurers for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with them. Where We give advice and a personal recommendation, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed is suitable for Youconduct business. We will provide You with details of the cover effected on Your behalf, including the insurer(s) who are underwriting the risk, and will clarify the scope of the advice given and explain the reasons. This will be provided in a durable medium (which includes email, unless You tell Us otherwise). We will provide You with evidence of cover and all relevant documentation promptly after inception of a policy. On occasion We may arrange insurance on Your behalf with insurers that have granted us a delegated underwriting authority. This authority may extend to the management of Your claims. We will notify You in the event We are acting under a delegated authority. Although Our letter/report setting will set out key aspects of the insurance cover being proposed; howevercover, this is not intended to be a substitute for the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor use Our reasonable endeavours to place insurance cover on Your behalf, but We do not guarantee to be able to do thisso. We will provide You with details of the cover effected on Your behalf, including the insurer who is underwriting the risk. Where We offer to arrange a facility with a premium finance provider which allows You to pay Your insurance premium by regular instalments, We do not offer advice in relation to this facility; however, We may ask some questions to narrow down the selection of options available. You must make Your own choice on which option to accept. When arranging a facility with a premium finance provider on Your behalf, We only act as a credit broker; We do not act as a lender. Although While We take care to ensure that the information contained on Our website is accurate and up to up-to-date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website. Where We offer an instalment facility to You in order to pay Your insurance premium by regular instalments, We do not offer advice in relation to this, but We may ask some questions to narrow down the selection of options available; You must make Your own choice on which option to accept. We only act as a credit broker when arranging instalment facilities on Your behalf, and not as a lender. We aim to treat You fairly and to meet the following outcomes in all Our dealings with You: • You can be confident that the fair treatment of customers is central to Our corporate culture. • The products and services that We have recommended to You and You have chosen are designed to meet Your insurance needs as far as reasonably possible. • We will provide You with clear information and keep You appropriately informed before, during and after the point of sale. • You will not face unreasonable post- sale barriers to submit a claim or make a complaint. • We will give You appropriate information about the products and services We recommend, including details of any costs or charges (if any) in addition to Your premiums. Motor Insurance Database (MID) In accordance with the 4th European Union Motor Insurance Directive as codified by Directive 2009/103/EC (and any subsequent legislation), where We have agreed with You to provide this service, We will endeavour to assist You in complying with the legislation surrounding the notification of vehicles to the MID. We may charge for this assistance. It should be noted that the responsibility for notification of vehicles or information remains with You. We cannot accept responsibility for any item either incorrectly registered or not registered on the database, whether notified to Us or not.

OUR SERVICE TO YOU. We will act honestly, fairly as an insurance broker to arrange and professionally in accordance with Your best interestsadminister contracts of insurance on your instructions. We will normally represent You, rather than acting on behalf of the insurer. If We do not represent You, We will inform you accordingly. We will normally give You advice and provide a personal recommendation about the insurance contract being proposed. If We do not give to You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: • Giving a personal recommendation on the basis of a fair and personal analysis of the market, as distinct from using only a single or limited number of insurance undertakings. This is Where Our normal service. • Under a contractual obligation service differs to place business exclusively with this, either because We only consider one or more insurers a restricted number of insurers, or if We do not give You a personal recommendation about the insurance products offered (in which case You are responsible for ensuring that it is suitable for You), We will advise You accordingly and, in the former case, We will provide You with the names of those insurers). Examples of this type of service would include ‘single insurer’ or ‘panel of insurers’ type arrangements. • Not under a contractual obligation to place exclusively insurers with one or more insurers and which We do not give a personal recommendation on the basis of a fair and personal analysis of the market (in which case We will provide You with the names of those insurers). An example of this type of service would be where We only approach Your existing insurers for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with them. Where We give advice and a personal recommendation, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed is suitable for Youconduct business. We will provide You with details of the cover effected on Your behalf, including the insurer(s) who are underwriting the risk, and will clarify the scope of the advice given and explain the reasons. This will be provided in a durable medium (which includes email, unless You tell Us otherwise). We will provide You with evidence of cover and all relevant documentation promptly after inception of a policy. On occasion, We may arrange insurance on Your behalf with insurers that have granted us a delegated underwriting authority. This authority may extend to the management of Your claims. We will notify You in the event We are acting under a delegated authority. Although Our letter/report setting will set out key aspects of the insurance cover being proposed; howevercover, this is not intended to be a substitute for the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor use Our reasonable endeavours to place insurance cover on Your behalf, but We do not guarantee to be able to do thisso. We will provide You with details of the cover effected on Your behalf, including the insurer who is underwriting the risk. Where We offer to arrange a facility with a premium finance provider which allows You to pay Your insurance premium by regular instalments, We do not offer advice in relation to this facility; however, We may ask some questions to narrow down the selection of options available. You must make Your own choice on which option to accept. When arranging a facility with a premium finance provider on Your behalf, We only act as a credit broker; We do not act as a lender. Although While We take care to ensure that the information contained on Our website is accurate and up to date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website. Where We offer an instalment facility to You in order to pay Your insurance premium by regular instalments, We do not offer advice in relation to this, but We may ask some questions to narrow down the selection of options available; You must make Your own choice on which option to accept. We only act as a credit broker when arranging instalment facilities on Your behalf, and not as a lender. We aim to treat You fairly and to meet the following outcomes in all Our dealings with You: • You can be confident that the fair treatment of customers is central to Our corporate culture. • The products and services that We have recommended to You and You have chosen are designed to meet Your insurance needs as far as reasonably possible. • We will provide You with clear information and keep You appropriately informed before, during and after the point of sale. • You will not face unreasonable postsale barriers to submit a claim or make a complaint. • We will give You appropriate information about the products and services We recommend, including details of any costs or charges (if any), in addition to Your premiums. Motor Insurance Database (MID) In accordance with the 4th European Union Motor Insurance Directive, as codified by Directive 2009/103/EC (and any subsequent legislation), where We have agreed with You to provide this service, We will endeavour to assist You in complying with the legislation surrounding the notification of vehicles to the MID. We may charge for this assistance. It should be noted that the responsibility for notification of vehicles or information remains with You. We cannot accept responsibility for any item either incorrectly registered or not registered on the database, whether notified to Us or not.