Common use of Risk Warnings Clause in Contracts

Risk Warnings. In all cases we will communicate the risks of acting and not acting on our recommendations to you both verbally and in writing. The performance of an investment is not guaranteed and you are not certain to make a profit. The value of funds can go down as well as up. Specific warnings relevant to the investments, investment strategies or other products we recommend will be confirmed to you in your suitability report. Under the terms of this agreement, we may, if appropriate, advise you on investments which are not readily realisable. We would draw your attention to the risks associated with these investments as there is a restricted market for them. In some circumstances it may therefore not be possible to deal in the investment or obtain reliable information about its value. Unregulated Financial Products Our services may also include advice on investments relating to, or executing transactions in unregulated financial products including non-mainstream pooled investments such as unregulated collective investment schemes (UCIS). Accordingly, we will carefully consider whether such investments are suitable for you in light of your personal circumstances and the financial resources available to you. We may also, on occasion, advise on other financial products which are not regulated by the Financial Conduct Authority (FCA). The Financial Services Compensation Scheme does not apply to any of these products. Client Money Neither Pensionhelp or your adviser are authorised to handle client money. All cheques for premiums, investment monies of any kind and lender and professional fees must only be made payable to the life assurance company, friendly society, or investment management group or firm providing the product or service concerned. Under no circumstances should a cheque for premiums or investment monies of any kind be made payable to your adviser and/or Pensionhelp. Invoices for services provided by Pensionhelp will be issued by and are payable to Pensionhelp.

Risk Warnings. In all cases we will communicate the risks of acting and not acting on our recommendations to you both verbally and in writing. The performance of an investment is not guaranteed and you are not certain to make a profit. The value of funds can go down as well as up. Specific warnings relevant to the investments, investment strategies or other products we recommend will be confirmed to you in your suitability report. Under the terms of this agreement, we may, if appropriate, advise you on investments which are not readily realisable. We would draw your attention to the risks associated with these investments as there is a restricted market for them. In some circumstances it may therefore not be possible to deal in the investment or obtain reliable information about its value. Unregulated Financial Products Our services may also include advice on investments relating to, or executing transactions in unregulated financial products including non-mainstream pooled investments such as unregulated collective investment schemes (UCIS). Accordingly, we will you should carefully consider whether such investments are suitable for you in light of your personal circumstances and the financial resources available to you. We may also, on occasion, advise on other financial products which are not regulated by the Financial Conduct Authority (FCA). The Financial Services Compensation Scheme does not apply to any of these products. Client Money Neither Pensionhelp or your adviser are authorised to handle client money. All cheques for premiums, investment monies of any kind and lender and professional fees must only be made payable to the life assurance company, friendly society, or investment management group or firm providing the product or service concerned. Under no circumstances should a cheque for premiums or investment monies of any kind be made payable to your adviser and/or Pensionhelp. Invoices for services provided by Pensionhelp will be issued by and are payable to Pensionhelp.. Product Cancellation Rights Full details of the products we recommend to you including, for example, the minimum duration of the product, information on your right to cancel or whether no right to cancel exists, and any other early termination rights and penalties, will be covered in the relevant product disclosure information you will receive before the conclusion of any contract. In most cases you can exercise a right to cancel by withdrawing from the contract. In general terms you will normally have a 30 day cancellation period for a life, protection, payment protection or pension policy and a 14 day cancellation period for all other policies. Instructions for exercising the right to cancel, if applicable, will be contained in the relevant product disclosure information which will be provided to you. If you cancel a single premium contract, you may be required to pay for any loss you might reasonably incur in cancelling it which is caused by market movements. This means that, in certain circumstances, you might not get back the full amount you invested if you cancel the policy. Protecting Your Personal Information We take our responsibilities for your data very seriously and we are committed to doing the right thing when it comes to how we collect, use and protect your personal data. Full details are contained in our separate ‘Privacy Notice’ it explains why we collect your personal data, the type of personal data we collect and how we use it when providing your services to you. It also explains the rights and choices you have when it comes to your personal data. Anti-Money Laundering We are required by the anti-money laundering regulations to verify the identity of our clients, to obtain information as to the purpose and nature of the business which we conduct on their behalf, and to ensure that the information we hold is up-to-date. For this purpose we may use electronic identity verification systems and we may conduct these checks from time to time throughout our relationship, not just at the beginning. Best Execution In transmitting investment applications on your behalf to third parties, we will take all reasonable steps to ensure that we obtain the best possible result for you. This is referred to as ‘best execution’. Legal And Accounting Advice Neither our firm nor our employees are qualified to render legal or accounting advice or to prepare any legal or accounting documents. It is hereby understood and agreed that the onus is on you, the client, to refer to a solicitor or accountant any point of law or accountancy that may arise during the course of discussions with us. Documentation We will endeavour to make arrangements for all your investments to be registered in your name unless you first instruct us otherwise in writing. All policy documents will be forwarded to you as soon as practicable after we receive them. If there are a number of documents relating to a series of transactions, we will normally hold each document until the series is complete and then forward them to you. Client Classification All clients must be identified as either Retail or Professional Clients. In your case we will identify you as a Retail Client. Retail Clients are by far the largest category of client. These clients rely on the firm to provide regulated advice and are therefore owed the highest duty of care by their adviser. Professional Clients are clients who by their profession or investment experience may wish to be treated as a Professional Client. Should you elect to be a Professional Client we will give a written warning that you will lose the benefits of the arrangement under the Financial Services and Markets Xxx 0000 (except where there is a distance contract in place) which provides for the protection of clients. Distance Marketing Directive On occasions when it may be necessary to conduct our business without any personal contact, we will advise you if this requires the creation of a distance contract between us. In this contract, you will be provided with additional information as required by the directive. Complaints & Redress Pensionhelp takes care to provide the highest standards of service. However, in the event that you should have a complaint, please contact the Compliance Manager at Pensionhelp on 0161 956 2328 or in writing to Compliance Manager, Pensionhelp at Pensionhelp Ltd, 0 Xx Xxxx Xxxxxx, Manchester, M3 4DU. We will formally acknowledge your complaint and send you a copy of our formal complaints procedure. We will investigate the matter in line with our procedures and in accordance with the FCA Rules and will report our findings. If you are still unhappy with the outcome you will have the right to take an eligible complaint to the Financial Ombudsman Service and we will provide details of how to do so at that stage. We are covered by the Financial Services Compensation Scheme – FSCS. If you make a valid claim against the company in respect of the advice provided and we are unable to meet our liabilities in full, you may be entitled to redress from the FSCS. The FSCS provides protection against an authorised investment firm going out of business. If your complaint relates to products or services you have bought from us online, or by any other electronic means such as by email, you may refer your complaint to the online dispute resolution (ODR) platform at xxxx://xx.xxxxxx.xx/odr Termination This agreement may be terminated, in writing, by either party giving not less than 10 business days’ notice to the other party, but without prejudice to the completion of transactions already initiated. You will be liable to pay for any transactions made prior to termination and any fees outstanding, if applicable. Ongoing services can be cancelled at any time without penalty by simply informing us in writing, but please note that we reserve the right to charge you for services provided prior to cancellation. The Financial Services Compensation Scheme (FSCS) The amount of redress available will depend on the type of business and the circumstances of the claim: Type of business Maximum FSCS compensation Deposits: £85,000 100% OF £85,000. per person per firm (for claims against firms declared in default from 1 January 2017). Investments: £85,000 100% of the first per person per firm £50,000. (for claims against firms declared in default from 1 April 2019). Insurance Business. No upper limit on the amount of protection (for claims against firms declared in default from 3 July 2015). Long-term insurance benefits protected 100%. Claims under compulsory insurance, professional insurance and certain claims for injury, sickness or infirmity of policyholder are protected at 100%. FSCS protects 90% of other types of claim with no upper limit. Further information is available from the FSCS at xxx.xxxx.xxx.xx. Professional Indemnity Insurance Pensionhelp Limited maintains Professional Indemnity Insurance. Your Responsibilities All answers on proposal forms or any other document or statement made are your responsibility. You are responsible for providing complete and accurate information which insurers require in connection with any proposal for insurance cover. This is particularly important before taking out a policy or at renewal but it also applies throughout the life of the policy. If you fail to disclose any material information to the insurance company this could invalidate the policy and mean that claims may not be paid. You should check all details on any proposal form or Statement of Facts and pay particular attention to any declaration you may be asked to sign. You should read all insurance documents issued to you and ensure that you are aware of the cover, limits and other terms that apply. You should pay particular attention to any warranties and conditions as failure to comply with them could invalidate your policy. You should inform us immediately of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. We strongly advise you to retain copies of all correspondence that you send us, for your own protection. Conflict Of Interests We will endeavour always to act in the best interests of you our client. However, circumstances can arise where we or one of our other clients may 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. Client One Signed Print Name Address Date Client Two Signed Print Name Address Date Pensionhelp Ltd 0 Xx Xxxx Xxxxxx Manchester M3 4DU T: 0161 956 2328 E: xxxxxxxxx@xxxxxxxxxxx.xx.xx Registered in England: 9437056 Registered address: 0 Xx Xxxx Xxxxxx, M3 4DU Pensionhelp Ltd is authorised and regulated by the

Risk Warnings. In all cases we will communicate the risks of acting and not acting on our recommendations to you both verbally and in writing. The performance of an investment is not guaranteed and you are not certain to make a profit. The value of funds can go down as well as up. Specific warnings relevant to the investments, investment strategies or other products we recommend will be confirmed to you in your suitability report. Under the terms of this agreement, we may, if appropriate, advise you on investments which are not readily realisable. We would draw your attention to the risks associated with these investments as there is a restricted market for them. In some circumstances it may therefore not be possible to deal in the investment or obtain reliable information about its value. Unregulated Financial Products financial products Our services may also include advice on investments relating to, or executing transactions in unregulated financial products including non-mainstream pooled investments such as unregulated collective investment schemes (UCIS). Accordingly, we will you should carefully consider whether such investments are suitable for you in light of your personal circumstances and the financial resources available to you. We may also, on occasion, advise on other financial products which are not regulated by the Financial Conduct Authority (FCA). The Financial Services Compensation Scheme does not apply to any of these products. Client Money Neither Pensionhelp or your adviser are authorised to handle client money. All cheques for premiums, investment monies of any kind and lender and professional fees must only be made payable to the life assurance company, friendly society, or investment management group or firm providing the product or service concerned. Under no circumstances should a cheque for premiums or investment monies of any kind be made payable to your adviser and/or adviser, Pensionhelp. Invoices for services provided by Pensionhelp will be issued by and are payable to Pensionhelp. Product cancellation rights Full details of the products we recommend to you including, for example, the minimum duration of the product, information on your right to cancel or whether no right to cancel exists, and any other early termination rights and penalties, will be covered in the relevant product disclosure information you will receive before the conclusion of any contract. In most cases you can exercise a right to cancel by withdrawing from the contract. In general terms you will normally have a 30 day cancellation period for a life, protection, payment protection or pension policy and a 14 day cancellation period for all other policies. Instructions for exercising the right to cancel, if applicable, will be contained in the relevant product disclosure information which will be provided to you. If you cancel a single premium contract, you may be required to pay for any loss you might reasonably incur in cancelling it which is caused by market movements. This means that, in certain circumstances, you might not get back the full amount you invested if you cancel the policy. Protecting your personal information We take our responsibilities for your data very seriously and we are committed to doing the right thing when it comes to how we collect, use and protect your personal data. Full details are contained in our separate ‘Privacy Notice’ it explains why we collect your personal data, the type of personal data we collect and how we use it when providing your services to you. It also explains the rights and choices you have when it comes to your personal data. Anti-money laundering We are required by the anti-money laundering regulations to verify the identity of our clients, to obtain information as to the purpose and nature of the business which we conduct on their behalf, and to ensure that the information we hold is up-to-date. For this purpose we may use electronic identity verification systems and we may conduct these checks from time to time throughout our relationship, not just at the beginning. Best execution In transmitting investment applications on your behalf to third parties, we will take all reasonable steps to ensure that we obtain the best possible result for you. This is referred to as ‘best execution’. A copy of our best execution policy is available on request. Legal and accounting advice Neither our firm nor our employees are qualified to render legal or accounting advice or to prepare any legal or accounting documents. It is hereby understood and agreed that the onus is on you, the client, to refer to a solicitor or accountant any point of law or accountancy that may arise during the course of discussions with us.

Risk Warnings. In all cases we will communicate the risks of acting and not acting on our recommendations to you both verbally and in writing. The performance of an investment is not guaranteed and you are not certain to make a profit. The value of funds can go down as well as up. Specific warnings relevant to the investments, investment strategies or other products we recommend will be confirmed to you in your suitability report. Under the terms of this agreement, we may, if appropriate, advise you on investments which are not readily realisable. We would draw your attention to the risks associated with these investments as there is a restricted market for them. In some circumstances it may therefore not be possible to deal in the investment or obtain reliable information about its value. Unregulated Financial Products Our services may also include advice on investments relating to, or executing transactions in unregulated financial products including non-mainstream pooled investments such as unregulated collective investment schemes (UCIS). Accordingly, we will carefully consider whether such investments are suitable for you in light of your personal circumstances and the financial resources available to you. We may also, on occasion, advise on other financial products which are not regulated by the Financial Conduct Authority (FCA). The Financial Services Compensation Scheme does not apply to any of these products. Client Money Neither Pensionhelp Direct or your adviser are authorised to handle client money. All cheques for premiums, investment monies of any kind and lender and professional fees must only be made payable to the life assurance company, friendly society, or investment management group or firm providing the product or service concerned. Under no circumstances should a cheque for premiums or investment monies of any kind be made payable to your adviser and/or PensionhelpPensionhelp Direct. Invoices for services provided by Pensionhelp Direct will be issued by and are payable to PensionhelpPensionhelp Direct.