Common use of Product Providers Clause in Contracts

Product Providers. In respect of the product providers that we use: we do not restrict our advice to certain companies. Instead, we use research tools to help us find the company that provides the right products to meet your needs. Conflicts of Interest We have a legal and regulatory obligation to take all appropriate steps to identify and to prevent or manage conflicts of interest from arising. In the event of any of our business interests or activities creating a potential conflict of interest we will ensure that we take all appropriate steps to manage the potential conflict by maintaining robust systems, controls and staff training. In the unlikely event that we are unable to prevent the potential conflict, we will fully disclose to you, the general nature and/or sources of conflicts of interest and the steps taken to mitigate those risks. Further details of our conflict of interest policy are available upon request. Best Execution It is our policy to transact your business in order to achieve the best possible results in terms of the: • Price of products, providers and services • Cost of advice • Speed • Size and Nature of the transaction • Effectiveness of the Platform/Provider/ Service Provider Other Benefits We May Receive We will not receive any financial inducement or gift that will in any way compromise our ability to provide you with suitable advice. Non-Investment and General Insurance Permissions Unity Wealth Management is permitted to advise on and arrange (bring about) deals in non-investment and General insurance contracts. Non-investment Insurance We offer products from a range of insurers on the basis of a fair analysis of the market, for example; for Term Assurance, Critical Illness and Income Protection Policies. Which Service Will We Provide You With? We will advise and make a recommendation for you after we have assessed your needs. We are an insurance intermediary and act on behalf of clients and not insurers. What Will You Have to Pay Us for This Service? We do not charge a fee, but we will be paid commission by the provider for non- investment insurance. We will confirm the total commission payable to you in our Strategy Report.

Product Providers. In respect of the product providers that we use: we do not restrict our advice to certain companies. Instead, we use research tools to help us find the company that provides the right products to meet your needs. Conflicts Investment and Non-Investment Insurance Services Inshore Independent Financial Advisers Ltd is permitted to advise on and arrange (bring about) deals in investments and non-investment insurance contracts. With regard to investments and non-investment insurance contracts which we have arranged for you, these will not be kept under review but we will advise you upon your request. However, we may contact you in the future by means of Interest We have a legal and regulatory obligation an unsolicited promotion should we wish to take all appropriate steps contact you to identify and to prevent discuss the relative merits of an investment or manage conflicts non-investment insurance contract or service which we feel may be of interest from arising. In the event of any of our business interests or activities creating a potential conflict of interest we will ensure that we take all appropriate steps to manage the potential conflict by maintaining robust systems, controls and staff training. In the unlikely event that we are unable to prevent the potential conflict, we will fully disclose to you, the general nature and/or sources of conflicts of interest and the steps taken to mitigate those risks. Further details of our conflict of interest policy are available upon request. Best Execution It is our policy to transact your business in order to achieve the best possible results in terms of the: • Price of products, providers and services • Cost of advice • Speed • Size and Nature of the transaction • Effectiveness of the Platform/Provider/ Service Provider Other Benefits We May Receive We will not receive any financial inducement or gift that will in any way compromise our ability to provide you with suitable adviceadvice Client Money Inshore Independent Financial Advisers Ltd does not handle clients’ money. Non-Investment We never accept a cheque made out to us (unless it is a cheque in settlement of charges or disbursements for which we have sent you an invoice) or handle cash. Conflicts of Interest Inshore Independent Financial Advisers Ltd offers advice in accordance with that disclosed to you in this agreement and General Insurance Permissions Unity Wealth Management your initial disclosure document. Occasions may arise where we or one of our other clients have some form of interest in business being transacted for you. If this happens or we become aware that our interests or those of one of our other clients conflict with your interests, we will write to you and obtain your consent before we carry out your instructions, and detail the steps we will take to ensure fair treatment. Our conflict of interest policy explains: what a conflict of interest is, when it could arise, and what to do should a conflict of interest arise. Further details can be provided on request at any time. Best Execution It is permitted our policy to advise transact your business in order to achieve the best possible results in terms of the nature and price of the products selected, transaction charges, administration and service excellence. Further details of our policy are available upon request. Termination of our services You, or we, may terminate our authority to act on your behalf at any time. You will be liable to pay for any advice or services that you have received prior to the date of termination. This means that where we have agreed the advice and arrange (bring about) deals in non-investment services that we will provide for you and General insurance contracts. Non-investment Insurance We offer products we have agreed to receive payment for these, either by means of a fee or by receiving commission from a range provider, you will have to pay us for any work we have completed up to the date of insurers termination. Data Protection For details of our Data Protection statement and policy, please see our separate Data Protection Statement and consent form which will be provided separately to you. Payment for Services Please note that in addition to any charges disclosed to you in our ‘about our Services’ document, there is a possibility that other costs, including taxes, could be incurred related to transactions in connection with investment business that are not paid via the firm or imposed by it. Some transactions that we advise on, such as Discretionary Portfolio Services, we will accrue a notional entitlement under a Discretionary settlement from the service provider. The value of this entitlement does not impact on the basis overall charges that we will disclose to you as required by the Financial Conduct Authority. The value of a fair analysis of our notional entitlement cannot be determined until the market, for example; for Term Assurance, Critical Illness and Income Protection Policies. Which Service Will We Provide You With? We will advise and make a recommendation for you after we have assessed your needs. We are an insurance intermediary and act on behalf of clients and not insurers. What Will You Have to Pay Us for This Service? We do not charge a feesale is realised, but we will be paid commission by happy to provide you with details of the payments upon your request. In addition to the above, for certain transactions that we recommend to you, we will also receive a royalty payment from the provider for non- investment insuranceas part of the annual management charge. This payment will be made on an annual basis and again will not affect the charges applied to your contract as disclosed to you at the point of application. We will confirm be happy to provide you with details of the total commission payable payments as they relate to your investment should you request these. Consumer Credit We make no charge for any advice in relation to consumer credit activities. Accounting to You We will forward to you all documents showing ownership of your investments as soon as practicable after we receive them; where a number of documents relating to a series of transactions is involved, we will normally hold each document until the series is complete and then forward them to you. Inshore Independent Financial Advisers Ltd is authorised and regulated by the Financial Conduct Authority. Registered in our Strategy Report.England & Wales, Registered Number: 4886425. Registered address: Suite 7 Xxxxxxxx House, 000 Xxxxxxxxx Xxxx, Xxxxxxxxxx, Xxxxxx, XX00 0XX/ xxx.xxxxxxxxxx.xxx / Tel:00000000000 / Fax: 00000 000000

Product Providers. In respect of the product providers that we use: , we do not restrict our advice to certain companies. Instead, we use research tools to help us find the company that provides the right products to meet your needs. Conflicts of Interest We have a legal and regulatory obligation to take all appropriate steps to identify and to prevent or manage conflicts of interest from arising. In the event of any of our business interests or activities creating a potential conflict of interest we will ensure that we take all appropriate steps to manage the potential conflict by maintaining robust systems, controls and staff training. In the unlikely event that we are unable to prevent the potential conflict, we will fully disclose to you, the general nature and/or sources of conflicts of interest and the steps taken to mitigate those risks. Further details of our conflict of interest policy are available upon request. Best Execution It is our policy to transact your business in order to achieve the best possible results in terms of the: • Price of products, providers and services • Cost of advice • Speed • Size and Nature of the transaction • Effectiveness of the Platform/Provider/ Service Provider Other Benefits We May Receive We will not receive any financial inducement or gift that will in any way compromise our ability to provide you with suitable advice. Non-Investment and General investment Insurance Permissions Unity products Craufurd Xxxx Wealth Management Ltd is permitted to advise on and arrange (bring about) deals in non-investment and General general insurance contracts. Non-investment Insurance We offer products from a range of insurers on the basis of a fair analysis of the market, for example; for Term Assurance, Critical Illness and Income Protection Policies. Which Service Will We Provide You With? We will advise and make a recommendation for you after we have assessed your needs. We are an insurance intermediary and act on behalf of clients and not insurers. What Will You Have We offer a personal recommendation on the basis of a fair and personal analysis of the market. Best Execution It is our policy to Pay Us transact your business in order to try to achieve the best possible results in terms of: • price of products, providers and service. • cost of advice. • speed. • size and nature of the transaction, and • effectiveness of the platform/provider/service provider. Our charges Not all firms charge for This Service? advice in the same way. We do offer an initial discussion free of charge in which we will describe our services, discuss your payment options with you and answer any initial questions you have. Time incurred after that first meeting is chargeable. We offer the option to pay our charges either: • on the basis of an invoice for fees, or • by adviser charge paid by the product provider, or • for non-investment insurances, by commission from the product provider. We will agree which method of payment is most appropriate to your needs and confirm this to you in the relevant Assignment Letter or Assignment Appendix. We will not charge a feeyou anything until you have agreed how we are to be paid. Our fees may be payable in stages, but and we will confirm this to you in one or more specific Assignment Letters or Assignment Appendices. Where our service is undertaking a review, for example, our fees are payable on delivering our report. Where we are arranging one or more products, our fees are payable on completion of each investment or when we are advised you have cancelled. If we have undertaken the work outlined above but you decide not to proceed, our fees are payable when you tell us that. Our preferred option is that our invoices are paid by Direct Debit. Fees can also be paid by cheque, BACS or credit card. If you pay our invoice by one of the methods outlined above, the full amount you invest would be invested in the chosen product(s). Hourly Rates Fees payable will be calculated by taking into account the amount of time required to undertake the work and the hourly rate of the individual carrying out the work. If work is undertaken purely on an hourly rate basis you may also ask us not to exceed a given amount without checking with you first. We may agree a fixed fee for work to be undertaken. Example of our fee charged at an hourly rate for an Investment is: Staff Role Hourly Rate Estimated Hours Total Staff Cost Partner / Director £275 2 £550 Financial Adviser £240 3 £720 Total Charge Paraplanner £150 5 £750 £2,020 We will give you an estimate of the fees where appropriate or, for a specific item of work, charge the fees on the basis set out below. Alternatively, you may agree that we are paid by a deduction of our fee from the amount you invest prior to its investment. Focused Advice The more time we spend researching and documenting information the more expensive it can become. This can be deemed to be unsuitable where you are merely seeking advice on a specific area or a smaller investment. You can request focused advice and if you do, we will obtain limited information from you in order that we can concentrate on a specific area of financial planning. You should however be aware that the focused advice you receive may be different from advice given using the more holistic approach. Examples of our focused advice fees are: Work undertaken Typical fee from • Annuities £3,000 • Income drawdown £3,000 • Full financial review £4,000 Other matters Our charges for dealing with such matters as reviewing your attitude to risk and re-balancing investment funds or for an annual report on investments will be set out in the relevant Assignment Letter or Assignment Appendix. Where work is being undertaken for more than one individual, you are all jointly and severally liable for the fees due to us. Fees will be subject to the addition of VAT where appropriate. At the time of writing, fees where a product is purchased are exempt from VAT. On-going Service Option Once you have decided to implement your Financial Plan it is recommended to benefit from on-going monitoring and review. We have set these out within our client philosophy. Full details of our financial review service will be contained in our Assignment Letter/Assignment Appendix for that service. We will agree with you the frequency of reviews you will receive. Examples of our indicative ongoing fees are: Bi-Annual Valuation Service £ 550 p.a. Value Service £1,250 p.a. Financial Planning Service £3,750 p.a. Wealth Management Service £7,250 p.a. Please note that ongoing fees will be reviewed each year and may increase inline with inflation, this will be confirmed to you at the annual forward planning meeting. Consumer Credit We make no charge and receive no commission for any advice in relation to consumer credit activities. Termination of our services (Initial Advice) You or we may terminate our authority to act on your behalf at any time. You will be liable to pay for any advice or services we have rendered prior to termination. This means that where we have agreed the advice and services that we will provide for you and we have agreed to receive payment for these, either by the means of a fee for investment business or by receiving commission from a provider for non- investment insuranceinsurance business, you will have to pay us for any work we have completed up to the date of termination, by way of a fee. We Termination of our services (On-going Advice) You have the right to cancel an agreement for our on-going services by giving 14 days’ notice. Where you hold assets within a wrapper you need to be aware that there will confirm be terms and conditions made by the total commission payable wrap provider, including terms which facilitate the wrap provider paying our fees. This means you may need to instruct the wrap provider direct and to arrange for the removal of assets from the wrap. You may need to appoint another adviser to access your assets in the wrap and to provide further on-going advice to you. If you in decide to cancel our Strategy Reportservices, we will provide such assistance as may be necessary to tell the wrap provider about your decision.

Product Providers. In respect of the product providers that we use: we do not restrict our advice to certain companies. Instead, we use research tools to help us find the company that provides the right products to meet your needs. Investment and Non-Investment Insurance Services Inshore Independent Financial Advisers Ltd is permitted to advise on and arrange (bring about) deals in investments and non-investment insurance contracts. With regard to investments and non-investment insurance contracts which we have arranged for you, these will not be kept under review but we will advise you upon your request. However, we may contact you in the future by means of an unsolicited promotion should we wish to contact you to discuss the relative merits of an investment or non-investment insurance contract or service which we feel may be of interest to you. We are an insurance intermediary and act on behalf of clients and not insurers. We offer a personal recommendation on the basis of a fair and personal analysis of the market. Other Benefits We May Receive We will not receive any financial inducement or gift that will in any way compromise our ability to provide you with suitable advice Client Money Inshore Independent Financial Advisers Ltd does not handle clients’ money. We never accept a cheque made out to us (unless it is a cheque in settlement of charges or disbursements for which we have sent you an invoice) or handle cash. Conflicts of Interest We have a legal and regulatory obligation to take all appropriate steps to identify and to prevent or manage conflicts of interest from arising. In the event of any of our business interests or activities creating a potential conflict of interest we will ensure that we take all appropriate steps to manage the potential conflict by maintaining robust systems, controls and staff training. In the unlikely event that we are unable to prevent the potential conflict, we will fully disclose to you, the general nature and/or sources of conflicts of interest and the steps taken to mitigate those risks. Further details of our conflict of interest policy are available upon request. Best Execution It is our policy to transact your business in order to achieve the best possible results in terms of the: •  Price of products, providers and services •  Cost of advice •  Speed •  Size and Nature of the transaction •  Effectiveness of the Platform/Platform/ Provider/ Service Provider Other Benefits We May Receive We Termination of our services You, or we, may terminate our authority to act on your behalf at any time. You will not be liable to pay for any advice or services that you have received prior to the date of termination. This means that where we have agreed the advice and services that we will provide for you and we have agreed to receive any financial inducement payment for these, either by means of a fee or gift that will in any way compromise our ability to provide you with suitable advice. Non-Investment and General Insurance Permissions Unity Wealth Management is permitted to advise on and arrange (bring about) deals in non-investment and General insurance contracts. Non-investment Insurance We offer products by receiving commission from a range provider, you will have to pay us for any work we have completed up to the date of insurers termination. Data Protection For details of our Data Protection statement and policy, please see our separate Data Protection Statement and consent form which will be provided separately to you. Payment for Services Please note that in addition to any charges disclosed to you in our ‘about our Services’ document, there is a possibility that other costs, including taxes, could be incurred related to transactions in connection with investment business that are not paid via the firm or imposed by it. Some transactions that we advise on, such as Discretionary Portfolio Services, we will accrue a notional entitlement under a Discretionary settlement from the service provider. The value of this entitlement does not impact on the basis overall charges that we will disclose to you as required by the Financial Conduct Authority. The value of a fair analysis of our notional entitlement cannot be determined until the market, for example; for Term Assurance, Critical Illness and Income Protection Policies. Which Service Will We Provide You With? We will advise and make a recommendation for you after we have assessed your needs. We are an insurance intermediary and act on behalf of clients and not insurers. What Will You Have to Pay Us for This Service? We do not charge a feesale is realised, but we will be paid commission by happy to provide you with details of the payments upon your request. In addition to the above, for certain transactions that we recommend to you, we will also receive a royalty payment from the provider for non- investment insuranceas part of the annual management charge. This payment will be made on an annual basis and again will not affect the charges applied to your contract as disclosed to you at the point of application. We will confirm be happy to provide you with details of the total commission payable payments as they relate to your investment should you request these. Consumer Credit We make no charge for any advice in relation to consumer credit activities. Accounting to You We will forward to you all documents showing ownership of your investments as soon as practicable after we receive them; where a number of documents relating to a series of transactions is involved, we will normally hold each document until the series is complete and then forward them to you. Inshore Independent Financial Advisers Ltd is authorised and regulated by the Financial Conduct Authority. Registered in our Strategy Report.England & Wales, Registered Number: 4886425. Registered address: Suite 7 Xxxxxxxx House, 000 Xxxxxxxxx Xxxx, Xxxxxxxxxx, Xxxxxx, XX00 0XX/ xxx.xxxxxxxxxx.xxx / Tel:00000000000 / Fax: 00000 000000

Product Providers. In respect of the product providers that we use: we do not restrict our advice to certain companies. Instead, we use research tools to help us find the company that provides the right products to meet your needs. Conflicts of Interest We have a legal and regulatory obligation to take all appropriate steps to identify and to prevent or manage conflicts of interest from arising. In the event of any of our business interests or activities creating a potential conflict of interest we will ensure that we take all appropriate steps to manage the potential conflict by maintaining robust systems, controls and staff training. In the unlikely event that we are unable to prevent the potential conflict, we will fully disclose to you, the general nature and/or sources of conflicts of interest and the steps taken to mitigate those risks. Further details of our conflict of interest policy are available upon request. Best Execution It is our policy to transact your business in order to achieve the best possible results in terms of the: • Price of products, providers and services • Cost of advice • Speed • Size and Nature of the transaction • Effectiveness of the Platform/Provider/ Service Provider Other Benefits We May Receive We will not receive any financial inducement or gift that will in any way compromise our ability to provide you with suitable advice. Non-Investment and General Insurance Permissions Unity Wealth Management investment Insurance: ABS is permitted to advise on and arrange (bring about) deals in non-investment and General general insurance contracts. Non-investment Insurance We offer products from a range of insurers on the basis of a fair analysis of the market, for example; for Term Assurance, Critical Illness and Income Protection Policies. Which Service Will We Provide You With? We will advise and make a recommendation for you after we have assessed your needs. We are an insurance intermediary and act on behalf of clients and not insurers. We offer products from a range of insurers on the basis of a fair and personal analysis of the market. What Will You Have will you have to Pay Us pay us for This Servicethis service? We do not charge a No fee, but we will be paid commission by the provider for non- investment insuranceprovider. We have close relationships with certain parties used within this proposition, which we describe below. Important Information about ABS and Tatton Asset Management Plc (TAM): ABS Financial Planning Ltd owns 11,000, Xxxxxx Xxxxxxx, Director owns 8,202, Xxxxxx Xxxxxxxxx, Director owns 4,101 of the shares in Tatton Asset Management plc (“TAM”). The value of these shares depends, at least in part, on how profitable TAM’s subsidiaries (the “Companies”) are, and how profitable they are expected to be. TAM’s shareholders may also receive dividends from TAM. How likely that is, and how big these payments will confirm be, also depends, at least in part, on how profitable the total commission payable Companies have been. The Companies include: • Tatton Investment Management Ltd (“TIML”); • Tatton Onshore Tax Strategies Ltd (“TOTS”) • Tatton Oak Limited (“TO”) • Paradigm Partners Ltd (“PPL”) • Paradigm Mortgage Services LLP (“PMS”) • Any other firm that TAM may acquire in the future that offers products and/or services to you our firm. These arrangements give rise to a possible conflict of interest. We have a legal obligation to take all appropriate steps to prevent a conflict of interest from adversely affecting the interests of our clients. We must therefore be satisfied that: • We always act honestly, fairly and professionally in accordance with the best interests of our clients; and • When we decide whether to: o invest, or recommend that our clients invest, in a product manufactured by a Company or someone else; and/or o use, or recommend that our clients use, a service provided by a Company or someone else, we pay no regard whatsoever to our shareholding in TAM; and • If we decide that it is in our Strategy Reportclient’s best interests to invest in a Company product and/or use a Company service, there will be no possible disadvantage to our client, because we hold shares in TAM.