Common use of Cancellation Rights Clause in Contracts

Cancellation Rights. 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, pure protection, payment protection or pension policy and a 14 day cancellation period for all other policies. For investments this will typically start when funds are invested and for pure protection policies this will normally begin when you are informed that the contract has been concluded or, if later, when you have received the contractual terms and conditions. Instructions for exercising the right to cancel, if applicable, will be contained in the relevant product information issued to you. If you cancel a single premium contract, you may incur a loss due to market movements. This means that, in certain circumstances, you might not get back the full amount you invested if you cancel the policy. Client Money We are not permitted to handle client money and we cannot accept a cheque made out to us (unless it is in respect of an item for which we have sent you an invoice) or handle cash. 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 immediately after we have received 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. We will issue all communications in English, unless agreed otherwise. Material Interest We will act honestly, fairly and professionally known as conducting business in ‘Clients’ best interests’. Occasionally situations may arise where we or one of our other clients have some form of interest in business transacted for you. If this happens or we become aware that our interests or those of one of our other clients conflict with your interest, 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. Where this cannot be achieved, we will not conduct the business. Complaints Our clients value the service we provide and often recommend us to others. In the unlikely event that you are dissatisfied or wish to register a complaint, please write to the Managing Director at the address at the head of this document, telephone 00000 000000 or email xxx@xxxxxxxx.xxx A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx or by contacting them on 0800 023 4567. Compensation Scheme If you make a complaint and we are unable to meet our liabilities, you may be entitled to compensation from the Financial Services Compensation Scheme. For investment business you will be covered up to a maximum of £85,000. Further information about these amounts and limits for all other product types are available from the FSCS at xxxx://xxx.xxxx.xxx.xx/what-we-cover/products 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. Data Protection & Privacy The company retains its records electronically and is bound by the General Data Protection Regulations. Xxxxx takes your privacy seriously. You can read it here xxx.xxxxxxxx.xxx/xxxxxxx-xxxxxx Law This client agreement is governed and shall be construed in accordance with English Law and the parties shall submit to the exclusive jurisdiction of the English Courts.

Cancellation Rights. In most cases  The cancellation rights for each individual policy you can exercise a right have been advised on will be explained to cancel by withdrawing from you in your suitability report which we will give you before or at the contracttime you confirm or carry out the transaction. In general terms you will normally have a 30 day Where the provider is already in receipt of the investment proceeds and cancellation is requested within the cancellation period for a life, pure protection, payment protection or pension policy and a 14 day cancellation period for all other policies. For investments this will typically start when funds are invested and for pure protection policies this will normally begin when you are informed that the contract has been concluded or, if later, when you have received the contractual terms and conditions. Instructions for exercising the right to cancel, if applicable, will be contained in the relevant product information issued to you. If you cancel a single premium contract, you may incur a loss due to market movements. This means that, in certain circumstances, you might not get back the full amount you invested if you cancel the policy. Client Money We are not permitted to handle client money and we cannot accept a cheque made out to us (unless it is in respect of an item for which we have sent you an invoice) or handle cash. 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 immediately after we have received them. If there are a number of documents relating to a series of transactions, we will normally hold each document until instruct the series is complete and then forward them provider to you. We will issue all communications in English, unless agreed otherwiserefund the proceeds net/gross of the adviser charging agreed. Material Interests & Conflicts of Interest We will act honestly, fairly and professionally known as conducting business in ‘Clients’ best interests’. Occasionally situations may  Occasions can arise where we we, or one of our other clients customers, will have some form of interest in business transacted business, which we are transacting for you. If this happens or we become aware that our interests or those As a consequence of one of our other clients conflict with your interestsuch potential conflicts arising, we will write to you and obtain your consent before we carry out your instructions and detail the steps we will take have put arrangements in place to ensure fair treatmentall our clients are treated fairly. Where this cannot be achieved, we will not conduct the business. Complaints Our clients value the service we provide and often recommend We have also implemented a conflicts of interest policy to help us to othersall appropriate steps to manage such risks. In the unlikely event that you are dissatisfied or wish While we take all appropriate steps to register a complaintmitigate such risks, please write to the Managing Director at the address at the head of this document, telephone 00000 000000 or email xxx@xxxxxxxx.xxx A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx or by contacting them on 0800 023 4567. Compensation Scheme If you make a complaint and we are unable to meet mitigate the risks from a potential conflict, before we undertake any actions on your behalf we will inform you in writing with;  A specific description of the conflicts that has arisen.  A clear documented statement of the steps the firm has taken to prevent the conflict.  An explanation of the remaining risks that are posed to your interest.  We may give or receive minor non-monetary benefits to/from some of the firms with whom we work in order to offer you a better service. Such benefits may include information relating to financial instruments or investment services; participation in conferences, seminars and training events; and minor hospitality (such as food and drink during a business meeting, conference, seminar or training event). Any costs we incur in provision of such benefits will not affect the charges you pay for our liabilities, you may be entitled to compensation from the Financial Services Compensation Scheme. For investment business you will be covered up to a maximum of £85,000service. Further information regarding these arrangements is available on request. Risk Warnings  Relevant risk warnings will be advised to you throughout the financial planning process and in your suitability report. The value of investments may go down as well as up, and you may not get back the amount invested. Levels of income from investments may fluctuate. We cannot be held liable for any depreciation in the value of investments arranged for you. Non-readily realisable investments will generally have a restricted market, and therefore it may be difficult to deal in that investment or to obtain reliable information about these amounts its value. For insurance products, your insurance policy may lapse if you do not keep up to date with regular premium payments and limits for all other product types are available you may not be covered if a claim is made. Termination of Authority  You or we may terminate our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given in writing and will take effect from the FSCS at xxxx://xxx.xxxx.xxx.xx/what-we-cover/products date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees which may be outstanding. ~ Anti-Money Laundering compliance  We are required by the anti-money laundering regulations to verify your identity in accordance with the identity Proceeds of our clients, Crime Xxx 0000 and the Money Laundering Regulations 2007. We reserve the right to obtain information as to the purpose and nature of the business which we conduct on their behalf approach third parties and to ensure that the information we hold is up-to-datedelay any applications until adequate verification of identity has been obtained. For this purpose, we  We may use electronic identity verification systems periodically verify your details electronically and we / or request up to date documentary evidence.  We may conduct these checks from time to time throughout our relationship, not just at the beginning. Data Protection & Privacy The company retains its records electronically and is bound by the General Data Protection Regulations. Xxxxx takes your privacy seriously. You can read it here xxx.xxxxxxxx.xxx/xxxxxxx-xxxxxx Law This client agreement is governed and shall be construed in accordance with English Law and the parties shall submit to the exclusive jurisdiction ask for an explanation of the English Courtssource of wealth and request supporting documentation before we can act or continue to act for you.  You agree to us recording telephone calls.

Cancellation Rights. 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 The cancellation period rights for a life, pure protection, payment protection or pension each individual policy and a 14 day cancellation period for all other policies. For investments this will typically start when funds are invested and for pure protection policies this will normally begin when you are informed that the contract has been concluded or, if later, when you have received the contractual terms and conditions. Instructions for exercising the right to cancel, if applicable, been advised on will be contained in explained to you by our supportive concerned web-based administrator before or at the relevant product information issued to youtime you confirm or carry out the transaction. If you cancel a single premium contract, you may incur a loss due to market movements. This means that, in certain circumstances, you might not get back the full amount you invested if you cancel the policy. Client Money MATERIAL INTERESTS We are not permitted connected to handle client money and we cannot accept a cheque made out to us (unless it is in respect of an item for which we have sent you an invoice) or handle cash. 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 immediately after we have received them. If there are a number of documents relating to a series of transactionsany product provider, we will normally hold each document until the series is complete and then forward them to you. We will issue all communications in English, unless agreed otherwise. Material Interest We will act honestly, fairly and professionally known as conducting business in ‘Clients’ best interests’. Occasionally situations may but occasions can arise where we we, or one of our other clients customers, will have some form of interest in business transacted business, which we are transacting for you. If this happens happens, or we become aware that our interests or those of one of our other clients customer's conflict with your interestinterests, we will write to inform you in writing and obtain your consent before we carry out your instructions and detail the steps instructions. There may be occasions when we will take be unable to act for one of the parties. As a consequence of such potential conflicts arising, we have put arrangements in place to ensure fair treatmentour clients are treated fairly. We have also implemented a conflicts of interest policy to help us manage such risks, which you may access on request. Where this an advisory firm works in a partnership with a discretionary manager, appropriate agreements must be in place. Should a recommendation be made to appoint TST to act as a discretionary manager for any proposed investment a formal discretionary management agreement will be required that sets out how your investments will be managed. TST will be responsible for the suitability of the advice. We recognize the potential conflict of interest operating within a group structure, and maintain robust systems and controls to mitigate the risks. Where a platform/custodian is used their particular terms and conditions will be provided or available upon request. RISK WARNINGS Relevant risk warnings will be advised to you throughout the financial planning process and in maybe, your suitability report. The value of investments may go down as well as up, and you may not get back the amount invested. Levels of income from investments may fluctuate. We cannot be achievedheld liable for any depreciation in the value of investments arranged for you. Non- readily realizable investments will generally have a restricted market, and therefore it may be difficult to deal in that investment or to obtain reliable information about its value. For mortgages please be aware that your home may be repossessed if you do not keep up repayments on your mortgage. For insurance products, your insurance policy may lapse if you do not keep up to date with regular premium payments and you may not be covered if a claim is made. Again, we will not conduct the business. Complaints Our require our clients value the service to give us instructions in writing, or we provide and often recommend us to others. In the unlikely event that you are dissatisfied or wish to register a complaint, please write to the Managing Director at the address at the head of this document, telephone 00000 000000 or email xxx@xxxxxxxx.xxx A summary of may confirm our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx understanding in writing (by post or by contacting them on 0800 023 4567. Compensation Scheme If you make a complaint and we are unable email) in order to meet our liabilities, you may be entitled to compensation from the Financial Services Compensation Scheme. For investment business you will be covered up to a maximum of £85,000. Further information about these amounts and limits for all other product types are available from the FSCS at xxxx://xxx.xxxx.xxx.xx/what-we-cover/products 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. Data Protection & Privacy The company retains its records electronically and is bound by the General Data Protection Regulations. Xxxxx takes your privacy seriously. You can read it here xxx.xxxxxxxx.xxx/xxxxxxx-xxxxxx Law This client agreement is governed and shall be construed in accordance with English Law and the parties shall submit to the exclusive jurisdiction of the English Courtsavoid possible disputes.

Cancellation Rights. In Except for actions instructed by us on a discretionary basis where you have waived the cancellation right, in most other cases you can exercise a right to cancel by withdrawing from the a contract. In general terms you will normally have a 30 thirty-day cancellation period for a life, pure protection, payment protection or pension policy product and a 14 fourteen-day cancellation period for all other policies. For investments this will typically start when funds are invested and for pure protection policies this will normally begin when you are informed that the contract has been concluded or, if later, when you have received the contractual terms and conditionsproducts. Instructions for exercising the right to cancel, if applicable, will be contained in the relevant product information disclosure which will be issued to you. If you cancel a single premium contractproduct, you may be required to pay for any loss you might reasonably incur a loss due to 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 policycontract. If you wish to cancel a contract, please contact us immediately. Amendments and Termination These terms may be amended by us giving you written notice at least ten business days before such amendment is due to take effect. This Client Money We are not permitted Agreement may be terminated without prejudice to handle client money and we cannot accept a cheque made out to us (the completion of transactions already initiated, by written notice from you or the firm. Such notice will take effect one month from the date of such notice unless it is in respect of an item for which we have sent you an invoice) or handle cashotherwise agreed. 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 You will be forwarded liable to you immediately after we have received thempay for any transactions made prior to termination and any fees which may be outstanding. If there Inspection of Records You or your appointed agent may inspect contract notes, vouchers and entries in our books (whether kept manually or electronically) which relate solely to your investments. As all our clients' records are a number of documents relating to a series of transactionsconfidential, we will normally hold each document until reserve the series is complete and then forward them right to youwithhold copies of your records if the originals would give access to the records of other clients. We will issue all communications in English, unless agreed otherwise. Material Conflicts of Interest We will act honestly, fairly and professionally known as conducting business in ‘Clients’ best interests’. Occasionally situations may arise where we or one of reserve the right during our dealings with you to deliver services to other clients have some form of interest in business transacted for youwhose interests might compete with yours or may be adverse to yours, subject to our normal confidentiality terms. If this happens happens, or we become aware that our interests or those of one of our other clients conflict customers conflicts with your interestinterests, we will write to inform you in writing and obtain your consent before we carry out your instructions and detail the steps we will take to ensure fair treatment. Where this cannot be achievedinstructions, we will not conduct the business. Complaints Our clients value the service we provide and often recommend us to others. In the unlikely event that you are dissatisfied or wish to register a complaint, please write to the Managing Director at the address at the head of this document, telephone 00000 000000 or email xxx@xxxxxxxx.xxx A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx or by contacting them on 0800 023 4567. Compensation Scheme If you make a complaint and unless we are unable to meet do so because of our liabilitiesconfidentiality obligations. In any event we will not proceed with any transaction if it would disadvantage any of the customers involved. In certain cases, you we may be entitled decline to compensation from the Financial Services Compensation Scheme. For investment business you will be covered up act for you, or decline to carry out a maximum of £85,000transaction on your behalf. Further information about these amounts and limits our conflicts of interest policy is available on request. Xxxxx Xxxxxxxxxx also manages investments for all other product types are available WM Capital Management. Full disclosure of Xxxxx’s fund management role with WM Capital Management will be made for Thames Valley Investments’ clients who also invest with WM Capital Management. FCA rules prohibit us from the FSCS at xxxx://xxx.xxxx.xxx.xx/what-we-cover/products Anti-Money Laundering We are required by the anti-money laundering regulations accepting payment which is likely to verify the identity of conflict with our duty to our clients, to obtain information as to the purpose and nature . Your Responsibility The Financial Conduct Authority acknowledges consumers' responsibility for their own decisions. Regulation does not absolve you of the business which we conduct responsibility for your decisions 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. Data Protection & Privacy The company retains its records electronically and is bound by the General Data Protection Regulations. Xxxxx takes your privacy seriously. You can read it here xxx.xxxxxxxx.xxx/xxxxxxx-xxxxxx Law This client agreement is governed and shall be construed in accordance with English Law and the parties shall submit to the exclusive jurisdiction of the English Courtsown financial affairs.

Cancellation Rights. In most cases 22 The cancellation rights for each individual policy you can exercise a right have been advised on will be explained to cancel by withdrawing from you in your suitability report which we will give you before or at the contracttime you confirm or carry out the transaction. In general terms you will normally have a 30 day Where the provider is already in receipt of the investment proceeds and cancellation is requested within the cancellation period we will instruct the provider to refund the proceeds net/gross of the adviser charging agreed. Material Interests 24 As a consequence of such potential conflicts arising, we have put arrangements in place to ensure our clients are treated fairly. We have also implemented a conflicts of interest policy to help us manage such risks, which you may access on request. Tavistock Financial Limited is part of a group structure that includes Tavistock Wealth Limited. Tavistock Wealth Limited is an investment management firm authorised and regulated by the Financial Conduct Authority (FCA Number 568089). Where an advisory firm works in partnership with a discretionary manager, appropriate agreements must be in place. Should a recommendation be made to appoint Tavistock Wealth Limited to act as a discretionary manager for any proposed investment a lifeformal discretionary management agreement will be required that sets out how your investments will be managed. Tavistock Financial Limited will be responsible for the suitability of the advice. We recognise the potential conflict of interest operating within a group structure, pure protection, payment protection or pension policy and maintain robust systems and controls to mitigate the risks. Where a 14 day cancellation period for all other policies. For investments this will typically start when funds are invested and for pure protection policies this will normally begin when you are informed that the contract has been concluded or, if later, when you have received the contractual platform/custodian is used their particular terms and conditions. Instructions for exercising the right to cancel, if applicable, conditions will be contained provided or available upon request. Risk Warnings 25 Relevant risk warnings will be advised to you throughout the financial planning process and in the relevant product information issued to youyour suitability report. If you cancel a single premium contractThe value of investments may go down as well as up, and you may incur a loss due to market movements. This means that, in certain circumstances, you might not get back the full amount you invested invested. Levels of income from investments may fluctuate. We cannot be held liable for any depreciation in the value of investments arranged for you. Non-readily realisable investments will generally have a restricted market, and therefore it may be difficult to deal in that investment or to obtain reliable information about its value. For mortgages please be aware that your home may be repossessed if you cancel do not keep up repayments on your mortgage. For insurance products, your insurance policy may lapse if you do not keep up to date with regular premium payments and you may not be covered if a claim is made. Termination of Authority 26 You or we may terminate our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given in writing and will take effect from the policydate of receipt. Client Money We are not permitted Termination is without prejudice to handle any transactions already initiated which will be completed according to this client money and we cannot accept a cheque made out to us (agreement unless it is in respect of an item for which we have sent you an invoice) or handle cash. Documentation We will endeavour to make arrangements for all your investments to be registered in your name unless you first instruct us otherwise agreed in writing. All policy documents You will be forwarded liable to you immediately after we have received them. If there are a number of documents relating pay for any transactions made prior to a series of transactions, we will normally hold each document until the series is complete termination and then forward them to you. We will issue all communications in English, unless agreed otherwise. Material Interest We will act honestly, fairly and professionally known as conducting business in ‘Clients’ best interests’. Occasionally situations may arise where we or one of our other clients have some form of interest in business transacted for you. If this happens or we become aware that our interests or those of one of our other clients conflict with your interest, 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. Where this cannot be achieved, we will not conduct the business. Complaints Our clients value the service we provide and often recommend us to others. In the unlikely event that you are dissatisfied or wish to register a complaint, please write to the Managing Director at the address at the head of this document, telephone 00000 000000 or email xxx@xxxxxxxx.xxx A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you any fees which may be entitled to refer it to the Financial Ombudsman Service at xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx or by contacting them on 0800 023 4567. Compensation Scheme If you make a complaint and we are unable to meet our liabilities, you may be entitled to compensation from the Financial Services Compensation Scheme. For investment business you will be covered up to a maximum of £85,000. Further information about these amounts and limits for all other product types are available from the FSCS at xxxx://xxx.xxxx.xxx.xx/what-we-cover/products 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 beginningoutstanding. Data Protection & Privacy The company retains its records electronically and is bound by Anti Money Laundering 27 We are registered under the General Data Protection Regulations. Xxxxx takes your privacy seriouslyXxx 0000. You can read it here xxx.xxxxxxxx.xxx/xxxxxxx-xxxxxx Law This client agreement is governed acknowledge and shall understand that we keep personal and financial information with regard to your circumstances on file (electronic and/or paper based) as required to be construed in accordance able to advise you as to your financial planning needs. We confirm that this information will not be used or transferred by us to any other firm, company, entity or person with English Law the exception of Tavistock Financial Ltd or any other company within the same group of companies and the parties shall submit product provider without your consent or as may be required by law. We may also provide information to the exclusive jurisdiction of the English CourtsFCA upon request for regulatory reasons.

Cancellation Rights. 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 The cancellation period rights for a life, pure protection, payment protection or pension each individual policy and a 14 day cancellation period for all other policies. For investments this will typically start when funds are invested and for pure protection policies this will normally begin when you are informed that the contract has been concluded or, if later, when you have received the contractual terms and conditions. Instructions for exercising the right to cancel, if applicable, been advised on will be contained in explained to you by our supportive concerned web-based administrator before or at the relevant product information issued to youtime you confirm or carry out the transaction. If you cancel a single premium contract, you may incur a loss due to market movements. This means that, in certain circumstances, you might not get back the full amount you invested if you cancel the policy. Client Money MATERIAL INTERESTS We are not permitted connected to handle client money and we cannot accept a cheque made out to us (unless it is in respect of an item for which we have sent you an invoice) or handle cash. 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 immediately after we have received them. If there are a number of documents relating to a series of transactionsany product provider, we will normally hold each document until the series is complete and then forward them to you. We will issue all communications in English, unless agreed otherwise. Material Interest We will act honestly, fairly and professionally known as conducting business in ‘Clients’ best interests’. Occasionally situations may but occasions can arise where we we, or one of our other clients customers, will have some form of interest in business transacted business, which we are transacting for you. If this happens happens, or we become aware that our interests or those of one of our other clients customer’s conflict with your interestinterests, we will write to inform you in writing and obtain your consent before we carry out your instructions and detail the steps instructions. There may be occasions when we will take be unable to act for one of the parties. As a consequence of such potential conflicts arising, we have put arrangements in place to ensure fair treatmentour clients are treated fairly. We have also implemented a conflicts of interest policy to help us manage such risks, which you may access on request. Where this an advisory firm works in a partnership with a discretionary manager, appropriate agreements must be in place. Should a recommendation be made to appoint LSI to act as a discretionary manager for any proposed investment a formal discretionary management agreement will be required that sets out how your investments will be managed. LSI will be responsible for the suitability of the advice. We recognize the potential conflict of interest operating within a group structure, and maintain robust systems and controls to mitigate the risks. Where a platform/custodian is used their particular terms and conditions will be provided or available upon request. RISK WARNINGS Relevant risk warnings will be advised to you throughout the financial planning process and in maybe, your suitability report. The value of investments may go down as well as up, and you may not get back the amount invested. Levels of income from investments may fluctuate. We cannot be achievedheld liable for any depreciation in the value of investments arranged for you. Non- readily realizable investments will generally have a restricted market, and therefore it may be difficult to deal in that investment or to obtain reliable information about its value. For mortgages please be aware that your home may be repossessed if you do not keep up repayments on your mortgage. For insurance products, your insurance policy may lapse if you do not keep up to date with regular premium payments and you may not be covered if a claim is made. Again, we will not conduct the business. Complaints Our require our clients value the service to give us instructions in writing, or we provide and often recommend us to others. In the unlikely event that you are dissatisfied or wish to register a complaint, please write to the Managing Director at the address at the head of this document, telephone 00000 000000 or email xxx@xxxxxxxx.xxx A summary of may confirm our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx understanding in writing (by post or by contacting them on 0800 023 4567. Compensation Scheme If you make a complaint and we are unable email) in order to meet our liabilities, you may be entitled to compensation from the Financial Services Compensation Scheme. For investment business you will be covered up to a maximum of £85,000. Further information about these amounts and limits for all other product types are available from the FSCS at xxxx://xxx.xxxx.xxx.xx/what-we-cover/products 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. Data Protection & Privacy The company retains its records electronically and is bound by the General Data Protection Regulations. Xxxxx takes your privacy seriously. You can read it here xxx.xxxxxxxx.xxx/xxxxxxx-xxxxxx Law This client agreement is governed and shall be construed in accordance with English Law and the parties shall submit to the exclusive jurisdiction of the English Courtsavoid possible disputes.

Cancellation Rights. In most cases The cancellation rights for each individual policy you can exercise a right have been advised on will be explained to cancel by withdrawing from you in your suitability report which we will give you before or at the contracttime you confirm or carry out the transaction. In general terms you will normally have a 30 day Where cancellation is requested within the cancellation period for a life, pure protection, payment protection or pension policy and a 14 day cancellation period for all other policieswe will instruct the provider to refund the proceeds net/gross of the adviser charging agreed. For investments this will typically start when funds are invested and for pure protection policies this will normally begin when you are informed that the contract has been concluded or, if later, when you have received the contractual terms and conditions. Instructions for exercising the right to cancel, if applicable, will be contained in the relevant product information issued to you. If you cancel a single premium contract, you may incur a loss due to market movements. This means that, in certain circumstances, you might not get back the full amount you invested if you cancel the policy. Client Money MATERIAL INTERESTS We are not permitted connected to handle client money and we cannot accept a cheque made out to us (unless it is in respect of an item for which we have sent you an invoice) or handle cash. 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 immediately after we have received them. If there are a number of documents relating to a series of transactionsany product provider, we will normally hold each document until the series is complete and then forward them to you. We will issue all communications in English, unless agreed otherwise. Material Interest We will act honestly, fairly and professionally known as conducting business in ‘Clients’ best interests’. Occasionally situations may but occasions can arise where we we, or one of our other clients customers, will have some form of interest in business transacted business, which we are transacting for you. If this happens happens, or we become aware that our interests or those of one of our other clients customers conflict with your interestinterests, we will write to inform you in writing and obtain your consent before we carry out your instructions and detail the steps instructions. There may be occasions when we will take be unable to act for one of the parties. As a consequence of such potential conflicts arising, we have put arrangements in place to ensure fair treatmentour clients are treated fairly. Where this canWe have also implemented a conflicts of interest policy to help us manage such risks, which you may access on request. Risk Warnings Relevant risk warnings will be advised to you throughout the financial planning process and in your suitability report. For mortgages please be aware that your home may be repossessed if you do not keep up repayments on your mortgage. For insurance products, your insurance policy may lapse if you do not keep up to date with regular premium payments and you may not be achieved, covered if a claim is made. Termination of Authority You or we will not conduct the businessmay terminate our authority and/or this agreement to act on your behalf at any time without penalty. Complaints Our clients value the service we provide and often recommend us to others. In the unlikely event that you are dissatisfied or wish to register a complaint, please write to the Managing Director at the address at the head Notice of this document, telephone 00000 000000 or email xxx@xxxxxxxx.xxx A summary termination must be given in writing and will take effect from the date of our internal complaints handling procedures receipt. Termination is without prejudice to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for the reasonable any transactions made prior to termination and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you any fees which may be entitled to refer it to the Financial Ombudsman Service at xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx or by contacting them on 0800 023 4567outstanding. Compensation Scheme If you make a complaint and we are unable to meet our liabilities, you may be entitled to compensation from the Financial Services Compensation Scheme. For investment business you will be covered up to a maximum of £85,000. Further information about these amounts and limits for all other product types are available from the FSCS at xxxx://xxx.xxxx.xxx.xx/what-we-cover/products Anti-Anti Money Laundering We are required by the anti-money laundering regulations to verify the your 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. Data Protection & Privacy The company retains its records electronically and is bound by the General Data Protection Regulations. Xxxxx takes your privacy seriously. You can read it here xxx.xxxxxxxx.xxx/xxxxxxx-xxxxxx Law This client agreement is governed and shall be construed in accordance with English Law the Proceeds of Crime Xxx 0000 and the Money Laundering Regulations 2007. We reserve the right to approach third parties and to delay any applications until adequate verification of identity has been obtained. Governing Law & Jurisdiction LIABILITY You agree to indemnify us in relation to any acts; proceedings or claims which we incur directly or indirectly as a result of our acting under this agreement save that this indemnity shall submit not apply to the exclusive extent it arises out of our negligence, fraud, breach of this agreement or our regulatory responsibilities. We reserve the right to amend this agreement at our discretion where changes in regulation or law necessitate by giving you notice in writing. You will also be given the option to accept our new agreements or terminate our authority. This agreement shall be governed by and construed according to English/Scottish law (delete as appropriate). Any disputes shall be determined in the jurisdiction of the English Courts.English/Scottish Courts (delete as appropriate). Where a formal written notice is required by this agreement then it shall be in writing (not email unless agreed in advance by the parties) and sent by first class post and deemed effective two business days after posting. Client’s Consent This is our standard client agreement upon which we intend to rely. For your own benefit and protection you should read these terms carefully before signing them. If you do not understand any point please ask for further information. I/We understand and consent to the terms of this client agreement and I/We hereby authorise the transfer of information, as described above, on a confidential basis when warranted between such third parties. I/We authorise you to liaise with My/Our other professional advisers in exchanging relevant personal information pertinent to my/our financial planning requirements and to rely on any such information provided. I/We agree that this Client Agreement will come into effect from the date below. Please tick this box if you do not wish for us or any company associated with us to contact you for marketing purposes by e-mail, telephone, post or SMS. Client Name(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Client signature(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Date .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Signed for and on behalf of the firm: Adviser .. .. .. .. .. .. .. .. .. .. .. .. Signature .. .. .. .. .. .. .. .. .. .. .. .. Date of issue .. .. .. .. .. .. .. .. .. .. .. ..

Cancellation Rights. In most cases Ø The cancellation rights for each individual policy you can exercise a right have been advised on will be explained to cancel by withdrawing from you in your suitability report which we will give you before or at the contracttime you confirm or carry out the transaction. In general terms you will normally have a 30 day Where the provider is already in receipt of the investment proceeds and cancellation is requested within the cancellation period for a life, pure protection, payment protection or pension policy and a 14 day cancellation period for all other policies. For investments this will typically start when funds are invested and for pure protection policies this will normally begin when you are informed that the contract has been concluded or, if later, when you have received the contractual terms and conditions. Instructions for exercising the right to cancel, if applicable, will be contained in the relevant product information issued to you. If you cancel a single premium contract, you may incur a loss due to market movements. This means that, in certain circumstances, you might not get back the full amount you invested if you cancel the policy. Client Money We are not permitted to handle client money and we cannot accept a cheque made out to us (unless it is in respect of an item for which we have sent you an invoice) or handle cash. 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 immediately after we have received them. If there are a number of documents relating to a series of transactions, we will normally hold each document until instruct the series is complete and then forward them provider to you. We will issue all communications in English, unless agreed otherwiserefund the proceeds net/gross of the adviser charging agreed. Material Interests & Conflicts of Interest We will act honestly, fairly and professionally known as conducting business in ‘Clients’ best interests’. Occasionally situations may Ø Occasions can arise where we we, or one of our other clients customers, will have some form of interest in business transacted for youbusiness, which we are transacting foryou. If this happens or we become aware that our interests or those As a consequence of one of our other clients conflict with your interestsuch potential conflicts arising, we will write to you and obtain your consent before we carry out your instructions and detail the steps we will take have put arrangements in place to ensure fair treatmentall our clients are treated fairly. Where this cannot be achieved, we will not conduct the business. Complaints Our clients value the service we provide and often recommend We have also implemented a conflicts of interest policy to help us to othersall appropriate steps to manage such risks. In the unlikely event that you are dissatisfied or wish While we take all appropriate steps to register a complaintmitigate such risks, please write to the Managing Director at the address at the head of this document, telephone 00000 000000 or email xxx@xxxxxxxx.xxx A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx or by contacting them on 0800 023 4567. Compensation Scheme If you make a complaint and we are unable to meet mitigate the risks from a potential conflict, before we undertake any actions on your behalf we will inform you in writing with; • A specific description of the conflicts that has arisen. • A clear documented statement of the steps the firm has taken to prevent the conflict. • An explanation of the remaining risks that are posed to your interest. Ø We may give or receive minor non-monetary benefits to/from some of the firms with whom we work in order to offer you a better service. Such benefits may include information relating to financial instruments or investment services; participation in conferences, seminars and training events; and minor hospitality (such as food and drink during a business meeting, conference, seminar or training event). Any costs we incur in provision of such benefits will not affect the charges you pay for our liabilities, you may be entitled to compensation from the Financial Services Compensation Scheme. For investment business you will be covered up to a maximum of £85,000service. Further information about regarding these amounts arrangements is available on request. Risk Warnings Ø Relevant risk warnings will be advised to you throughout the financial planning process and limits in your suitability report. The value of investments may go down as well as up, and you may not get back the amount invested. Levels of income from investments may fluctuate. We cannot be held liable for all other product types are available from any depreciation in the FSCS at xxxx://xxx.xxxx.xxx.xx/what-we-cover/products Antivalue of investments arranged for you. Non-Money Laundering We are required by the anti-money laundering regulations readily realisable investments will generally have a restricted market, and therefore it may be difficult to verify the identity of our clients, deal in that investment or to obtain reliable 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-dateabout its value. For this purposeinsurance products, we your insurance policy may use electronic identity verification systems lapse if you do not keep up to date with regular premium payments and we you may conduct these checks from time to time throughout our relationship, not just at the beginningbe covered if a claim is made. Data Protection & Privacy The company retains its records electronically and is bound by the General Data Protection Regulations. Xxxxx takes For mortgages please be aware that your privacy seriously. You can read it here xxx.xxxxxxxx.xxx/xxxxxxx-xxxxxx Law This client agreement is governed and shall home may be construed in accordance with English Law and the parties shall submit to the exclusive jurisdiction of the English Courtsrepossessed if you do not keep up repayments on your mortgage.

Cancellation Rights. 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, pure protection, payment protection or pension policy and a 14 day cancellation period for all other policies. For investments this will typically start when funds are invested and for pure protection policies this the start of the cancellation period will normally begin when you are informed that the contract has been concluded or, if later, when you have received the contractual terms and conditions. In other cases, the cancellation period will begin on the day the contract is concluded or, if later, the day on which you receive the contractual terms and conditions. Instructions for exercising the right to cancel, if applicable, will be contained in the relevant product disclosure information which will be issued to you. If you cancel a single premium contract, you may be required you to pay for any loss you might reasonably incur a loss due to 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. Client Money We are not permitted to handle client money CONFLICTS OF INTEREST MK Financial Planning Ltd offer independent advice and we cannot accept a cheque made out to us (unless it is in respect of an item for which we have sent you an invoice) or handle cash. Documentation We will endeavour always to make arrangements for all your investments to be registered act in your name unless the best interests of you first instruct us otherwise in writingour client. All policy documents will be forwarded to you immediately after we have received 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. We will issue all communications in English, unless agreed otherwise. Material Interest We will act honestly, fairly and professionally known as conducting business in ‘Clients’ best interests’. Occasionally situations may But occasions can arise where we or one of our other clients cli- ents 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 interestin- terests, we will write to you and obtain your consent before we carry out your instructions instructions, and detail the steps we will take to ensure fair treatment. Where this cannot be achievedAs a consequence of such potential conflicts of interests arising, we will not conduct have put arrangements in place to ensure our clients are treated fairly. We have also implemented a Conflicts of In- terest Policy to help us manage such risks, which you may access upon request. Other benefits we may receive From time to time we may attend training events funded and /or delivered by product pro- viders, fund managers and platforms. These events are designed to enhance our knowledge and ultimately therefore enhance the business. Complaints Our clients value the quality of service we provide and often recommend us to othersour clients. In the unlikely event that you Further de- tails are dissatisfied or wish to register a complaint, please write to the Managing Director at the address at the head of this document, telephone 00000 000000 or email xxx@xxxxxxxx.xxx A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx or by contacting them on 0800 023 4567. Compensation Scheme If you make a complaint and we are unable to meet our liabilities, you may be entitled to compensation from the Financial Services Compensation Scheme. For investment business you will be covered up to a maximum of £85,000. Further information about these amounts and limits for all other product types are available from the FSCS at xxxx://xxx.xxxx.xxx.xx/what-we-cover/products 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. Data Protection & Privacy The company retains its records electronically and is bound by the General Data Protection Regulations. Xxxxx takes your privacy seriously. You can read it here xxx.xxxxxxxx.xxx/xxxxxxx-xxxxxx Law This client agreement is governed and shall be construed in accordance with English Law and the parties shall submit to the exclusive jurisdiction of the English Courtsrequest.

Cancellation Rights. In most cases The cancellation rights for each individual policy you can exercise a right have been advised on will be explained to cancel by withdrawing from you in your suitability report which we will give you before or at the contracttime you confirm or carry out the transaction. In general terms you will normally have a 30 day Where cancellation is requested within the cancellation period for a life, pure protection, payment protection or pension policy and a 14 day cancellation period for all other policieswe will instruct the provider to refund the proceeds net/gross of the adviser charging agreed. For investments this will typically start when funds are invested and for pure protection policies this will normally begin when you are informed that the contract has been concluded or, if later, when you have received the contractual terms and conditions. Instructions for exercising the right to cancel, if applicable, will be contained in the relevant product information issued to you. If you cancel a single premium contract, you may incur a loss due to market movements. This means that, in certain circumstances, you might not get back the full amount you invested if you cancel the policy. Client Money MATERIAL INTERESTS We are not permitted connected to handle client money and we cannot accept a cheque made out to us (unless it is in respect of an item for which we have sent you an invoice) or handle cash. 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 immediately after we have received them. If there are a number of documents relating to a series of transactionsany product provider, we will normally hold each document until the series is complete and then forward them to you. We will issue all communications in English, unless agreed otherwise. Material Interest We will act honestly, fairly and professionally known as conducting business in ‘Clients’ best interests’. Occasionally situations may but occasions can arise where we we, or one of our other clients customers, will have some form of interest in business transacted business, which we are transacting for you. If this happens happens, or we become aware that our interests or those of one of our other clients customers conflict with your interestinterests, we will write to inform you in writing and obtain your consent before we carry out your instructions and detail the steps instructions. There may be occasions when we will take be unable to act for one of the parties. As a consequence of such potential conflicts arising, we have put arrangements in place to ensure fair treatmentour clients are treated fairly. Where this canWe have also implemented a conflicts of interest policy to help us manage such risks, which you may access on request. Risk Warnings Relevant risk warnings will be advised to you throughout the financial planning process and in your suitability report. For mortgages please be aware that your home may be repossessed if you do not keep up repayments on your mortgage. For insurance products, your insurance policy may lapse if you do not keep up to date with regular premium payments and you may not be achieved, covered if a claim is made. Termination of Authority You or we will not conduct the businessmay terminate our authority and/or this agreement to act on your behalf at any time without penalty. Complaints Our clients value the service we provide and often recommend us to others. In the unlikely event that you are dissatisfied or wish to register a complaint, please write to the Managing Director at the address at the head Notice of this document, telephone 00000 000000 or email xxx@xxxxxxxx.xxx A summary termination must be given in writing and will take effect from the date of our internal complaints handling procedures receipt. Termination is without prejudice to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for the reasonable any transactions made prior to termination and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you any fees which may be entitled to refer it to the Financial Ombudsman Service at xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx or by contacting them on 0800 023 4567outstanding. Compensation Scheme If you make a complaint and we are unable to meet our liabilities, you may be entitled to compensation from the Financial Services Compensation Scheme. For investment business you will be covered up to a maximum of £85,000. Further information about these amounts and limits for all other product types are available from the FSCS at xxxx://xxx.xxxx.xxx.xx/what-we-cover/products Anti-Anti Money Laundering We are required by the anti-money laundering regulations to verify the your 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. Data Protection & Privacy The company retains its records electronically and is bound by the General Data Protection Regulations. Xxxxx takes your privacy seriously. You can read it here xxx.xxxxxxxx.xxx/xxxxxxx-xxxxxx Law This client agreement is governed and shall be construed in accordance with English Law the Proceeds of Crime Act 2002 and the Money Laundering Regulations 2007. We reserve the right to approach third parties and to delay any applications until adequate verification of identity has been obtained. Governing Law & Jurisdiction LIABILITY You agree to indemnify us in relation to any acts; proceedings or claims which we incur directly or indirectly as a result of our acting under this agreement save that this indemnity shall submit not apply to the exclusive extent it arises out of our negligence, fraud, breach of this agreement or our regulatory responsibilities. We reserve the right to amend this agreement at our discretion where changes in regulation or law necessitate by giving you notice in writing. You will also be given the option to accept our new agreements or terminate our authority. This agreement shall be governed by and construed according to English law. Any disputes shall be determined in the jurisdiction of the English Courts.law Where a formal written notice is required by this agreement then it shall be in writing (not email unless agreed in advance by the parties) and sent by first class post and deemed effective two business days after posting. Client’s Consent This is our standard client agreement upon which we intend to rely. For your own benefit and protection you should read these terms carefully before signing them. If you do not understand any point please ask for further information. I/We understand and consent to the terms of this client agreement and I/We hereby authorise the transfer of information, as described above, on a confidential basis when warranted between such third parties. I/We authorise you to liaise with My/Our other professional advisers in exchanging relevant personal information pertinent to my/our financial planning requirements and to rely on any such information provided. I/We agree that this Client Agreement will come into effect from the date below. Please tick this box if you do not wish for us or any company associated with us to contact you for marketing purposes by e-mail, telephone, post or SMS. Client Name(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Client signature(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Date .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Signed for and on behalf of the firm: Adviser .. .. .. .. .. .. .. .. .. .. .. .. Signature .. .. .. .. .. .. .. .. .. .. .. .. Date of issue .. .. .. .. .. .. .. .. .. .. .. .. JVR Financial Services (Xxxxxxx Xxxxxxxx FCA number 791593) is an appointed representative of Alpha Independent Financial Planning Limited which is authorised & regulated by the Financial Conduct Authority (FCA) under number 711124. You can check this on the Financial Services Register by visiting xxx.xxx.xxx.xx/xxxxxxxx/ or by contacting the FCA at 00 Xxx Xxxxx Xxxxxxxxx, Xxxxxx Xxxxx, Xxxxxx, X00 0XX or telephone 0000 000 0000 (free phone)

Cancellation Rights. In most cases  The cancellation rights for each individual policy you can exercise a right have been advised on will be explained to cancel by withdrawing from you in your suitability report which we will give you before or at the contracttime you confirm or carry out the transaction. In general terms you will normally have a 30 day Where the provider is already in receipt of the investment proceeds and cancellation is requested within the cancellation period for a life, pure protection, payment protection or pension policy and a 14 day cancellation period for all other policies. For investments this will typically start when funds are invested and for pure protection policies this will normally begin when you are informed that the contract has been concluded or, if later, when you have received the contractual terms and conditions. Instructions for exercising the right to cancel, if applicable, will be contained in the relevant product information issued to you. If you cancel a single premium contract, you may incur a loss due to market movements. This means that, in certain circumstances, you might not get back the full amount you invested if you cancel the policy. Client Money We are not permitted to handle client money and we cannot accept a cheque made out to us (unless it is in respect of an item for which we have sent you an invoice) or handle cash. 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 immediately after we have received them. If there are a number of documents relating to a series of transactions, we will normally hold each document until instruct the series is complete and then forward them provider to you. We will issue all communications in English, unless agreed otherwiserefund the proceeds net/gross of the adviser charging agreed. Material Interests & Conflicts of Interest We will act honestly, fairly and professionally known as conducting business in ‘Clients’ best interests’. Occasionally situations may  Occasions can arise where we we, or one of our other clients customers, will have some form of interest in business transacted business, which we are transacting for you. If this happens or we become aware that our interests or those As a consequence of one of our other clients conflict with your interestsuch potential conflicts arising, we will write to you and obtain your consent before we carry out your instructions and detail the steps we will take have put arrangements in place to ensure fair treatmentall our clients are treated fairly. Where this cannot be achieved, we will not conduct the business. Complaints Our clients value the service we provide and often recommend We have also implemented a conflicts of interest policy to help us to othersall appropriate steps to manage such risks. In the unlikely event that you are dissatisfied or wish While we take all appropriate steps to register a complaintmitigate such risks, please write to the Managing Director at the address at the head of this document, telephone 00000 000000 or email xxx@xxxxxxxx.xxx A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx or by contacting them on 0800 023 4567. Compensation Scheme If you make a complaint and we are unable to meet mitigate the risks from a potential conflict, before we undertake any actions on your behalf we will inform you in writing with; • A specific description of the conflicts that has arisen. • A clear documented statement of the steps the firm has taken to prevent theconflict. • An explanation of the remaining risks that are posed to yourinterest.  We may give or receive minor non-monetary benefits to/from some of the firms with whom we work in order to offer you a better service. Such benefits may include information relating to financial instruments or investment services; participation in conferences, seminars and training events; and minor hospitality (such as food and drink during a business meeting, conference, seminar or training event). Any costs we incur in provision of such benefits will not affect the charges you pay for our liabilities, you may be entitled to compensation from the Financial Services Compensation Scheme. For investment business you will be covered up to a maximum of £85,000service. Further information regarding these arrangements is available on request. Risk Warnings  Relevant risk warnings will be advised to you throughout the financial planning process and in your suitability report. The value of investments may go down as well as up, and you may not get back the amount invested. Levels of income from investments may fluctuate. We cannot be held liable for any depreciation in the value of investments arranged for you. Non-readily realisable investments will generally have a restricted market, and therefore it may be difficult to deal in that investment or to obtain reliable information about these amounts its value. For insurance products, your insurance policy may lapse if you do not keep up to date with regular premium payments and limits for all other product types are available you may not be covered if a claim is made. Termination of Authority  You or we may terminate our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given in writing and will take effect from the FSCS at xxxx://xxx.xxxx.xxx.xx/what-we-cover/products date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees which may be outstanding. ~ Anti-Money Laundering compliance  We are required by the anti-money laundering regulations to verify your identity in accordance with the identity Proceeds of our clients, Crime Xxx 0000 and the Money Laundering Regulations 2007. We reserve the right to obtain information as to the purpose and nature of the business which we conduct on their behalf approach third parties and to ensure that the information we hold is up-to-datedelay any applications until adequate verification of identity has beenobtained. For this purpose, we  We may use electronic identity verification systems periodically verify your details electronically and we / or request up to date documentary evidence.  We may conduct these checks from time to time throughout our relationship, not just at the beginning. Data Protection & Privacy The company retains its records electronically and is bound by the General Data Protection Regulations. Xxxxx takes your privacy seriously. You can read it here xxx.xxxxxxxx.xxx/xxxxxxx-xxxxxx Law This client agreement is governed and shall be construed in accordance with English Law and the parties shall submit to the exclusive jurisdiction ask for an explanation of the English Courtssource of wealth and request supporting documentation before we can act or continue to act for you.  You agree to us recording telephone calls.

Cancellation Rights. In most cases The cancellation rights for each individual policy you can exercise a right have been advised on will be explained to cancel by withdrawing from you in your suitability report which we will give you before or at the contracttime you confirm or carry out the transaction. In general terms you will normally have a 30 day Where the provider is already in receipt of the investment proceeds and cancellation is requested within the cancellation period for a life, pure protection, payment protection or pension policy and a 14 day cancellation period for all other policies. For investments this will typically start when funds are invested and for pure protection policies this will normally begin when you are informed that the contract has been concluded or, if later, when you have received the contractual terms and conditions. Instructions for exercising the right to cancel, if applicable, will be contained in the relevant product information issued to you. If you cancel a single premium contract, you may incur a loss due to market movements. This means that, in certain circumstances, you might not get back the full amount you invested if you cancel the policy. Client Money We are not permitted to handle client money and we cannot accept a cheque made out to us (unless it is in respect of an item for which we have sent you an invoice) or handle cash. 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 immediately after we have received them. If there are a number of documents relating to a series of transactions, we will normally hold each document until instruct the series is complete and then forward them provider to yourefund the proceeds net/gross of the adviser charging agreed. We will issue all communications in English, unless agreed otherwise. Material Interest We will act honestly, fairly and professionally known as conducting business in ‘Clients’ best material interests’. Occasionally situations may /conflict of Interests Occasions can arise where we we, or one of our other clients customers, will have some form of interest in business transacted business, which we are transacting for you. If this happens or we become aware that our interests or those As a consequence of one of our other clients conflict with your interestsuch potential conflicts arising, we will write to you and obtain your consent before we carry out your instructions and detail the steps we will take have put arrangements in place to ensure fair treatmentall our clients are treated fairly. Where this cannot be achieved, we will not conduct the business. Complaints Our clients value the service we provide and often recommend We have also implemented a conflicts of interest policy to help us to othersall appropriate steps to manage such risks. In the unlikely event that you are dissatisfied or wish While we take all appropriate steps to register a complaintmitigate such risks, please write to the Managing Director at the address at the head of this document, telephone 00000 000000 or email xxx@xxxxxxxx.xxx A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx or by contacting them on 0800 023 4567. Compensation Scheme If you make a complaint and we are unable to meet our liabilitiesmitigate the risks from a potential conflict, before we undertake any actions on your behalf we will inform you in writing with; A specific description of the conflicts that has arisen. A clear documented statement of the steps the firm has taken to prevent the conflict. An explanation of the remaining risks that are posed to your interest. Risk Warnings Relevant risk warnings will be advised to you throughout the financial planning process and in your suitability report. The value of investments may go down as well as up, and you may not get back the amount invested. Levels of income from investments may fluctuate. We cannot be entitled held liable for any depreciation in the value of investments arranged for you. Non-readily realisable investments will generally have a restricted market, and therefore it may be difficult to compensation deal in that investment or to obtain reliable information about its value. For mortgages, please be aware that your home may be repossessed if you do not keep up repayments on your mortgage. For insurance products, your insurance policy may lapse if you do not keep up to date with regular premium payments and you may not be covered if a claim is made. Termination of Authority You or we may terminate our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given in writing and will take effect from the Financial Services Compensation Schemedate of receipt. For investment business you Termination is without prejudice to any transactions already initiated which will be covered up completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees which may be outstanding. Data Protection We are an appointed representative of Sanlam Partnerships Limited (“Sanlam”) which is authorised and regulated by the Financial Conduct Authority (“FCA”). In order to assist Sanlam to comply with its legal and regulatory obligations as our principal we may share your personal data with Sanlam so it can comply with its legal and regulatory obligations; undertake compliance monitoring; deal with complaints; report internally within its group; respond to any FCA queries; liaise with its insurers; undertake audits; and where required by law to respond to enquiries from law enforcement agencies and government bodies. We have entered into an agreement with Sanlam which governs how the data may be shared and which ensures there are appropriate safeguards, in accordance with the applicable data protection laws. We can provide a maximum copy of £85,000this agreement on written request. Further In the course of providing our services we will receive information from and about these amounts you. Sanlam Partnerships Limited and limits Base Financial Ltd are each regarded as a data controller within the meaning of the applicable data protection laws including, but not limited to, the General Data Protection Regulation (Regulation EU 2016/679) which means we are responsible for all other product types are deciding how we hold and use your personal data. We summarise the key aspects of our privacy statement below however please see our Base Financial Ltd Privacy Statement which is available from us. If you would like a written copy please write to Data Protection, Base Financial Ltd, 000 Xxxx Xxxxxx, Xxxxxxxxx, Xxxx, XX0 0XX, or you can also contact us by telephone on 00000 000000, Monday to Friday between 9am to 5pm (excluding Bank Holidays). The firm’s Privacy Statement explains how we will use your personal data, which will usually be: to perform the FSCS at xxxx://xxx.xxxx.xxx.xx/what-we-cover/products contract we have entered into with you; to comply with a legal obligation; where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests; where we have obtained your explicit written consent to do so. The firm’s Privacy Statement also explains: the kind of personal data we may hold about you, including sensitive or ‘special’ personal data such as health information; how we may collect your personal data, including where we may receive it from third parties; when and why might we share your personal data with third parties including third party service providers, other Sanlam group companies and regulatory authorities; the conditions under which we transfer personal data outside the EEA to ensure the ongoing security of your personal data; how long we will retain your information for, or the criteria we apply to determine any retention periods; and your rights in connection with personal data, including your right to complain Anti-Money Laundering We are required by the anti-money laundering regulations to verify the your 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. Data Protection & Privacy The company retains its records electronically and is bound by the General Data Protection Regulations. Xxxxx takes your privacy seriously. You can read it here xxx.xxxxxxxx.xxx/xxxxxxx-xxxxxx Law This client agreement is governed and shall be construed in accordance with English Law the Proceeds of Crime Xxx 0000 and the Money Laundering Regulations 2007. We reserve the right to approach third parties and to delay any applications until adequate verification of identity has been obtained. Governing Law & Jurisdiction You agree to indemnify us in relation to any acts, proceedings or claims which we incur directly or indirectly as a result of our acting under this agreement save that this indemnity shall submit not apply to the exclusive extent it arises out of our negligence, fraud, breach of this agreement or our regulatory responsibilities. We reserve the right to amend this agreement at our discretion where changes in regulation or law necessitate by giving you notice in writing. You will also be given the option to accept our new agreements or terminate our authority. This agreement shall be governed by and construed according to English law. Any disputes shall be determined in the jurisdiction of the English Courts.. Where a formal written notice is required by this agreement then it shall be in writing (not email unless agreed in advance by the parties) and sent by first class post and deemed effective two business days after posting. CLIENT CONSENT FORM I/we confirm that I/we have read and retained a copy of the Base Financial Ltd Client Agreement and have been given the opportunity to have any questions I/we may have concerning the terms and conditions contained in the Base Financial Ltd Client Agreement answered to my/our satisfaction. DATA PROTECTION I/We confirm I/we have read and retained a copy of the Base Financial Privacy Statement. We are required to have regard to a client’s best interest in any advice given and must do our utmost to ensure we are aware of your personal and financial circumstances so our advice is suitable for your needs, by identifying your personal and financial objectives, current financial situation, risk profile and specific investment and protection needs, as applicable. The information you provide to us, for example in a questionnaire or fact find, may include sensitive (or ‘special’) personal data, such as health information. We require your consent to use such information (except in limited cases where there is another legal basis we may rely on as explained in our Privacy Statement). You do not have to consent to us using this information but if you do not consent (or you withdraw your consent, which you are entitled to do) we are unlikely to be able to provide our services where we need to rely on such information. Consent to Processing of Sensitive (or ‘Special’) Personal Data I/we consent to Base Financial Ltd processing my/our sensitive personal data (such as information regarding my/our health (mental or physical), sexual orientation, racial or ethnic group) and/or information concerning criminal offences or proceedings I/we provide to enable Base Financial Ltd to comply with its legal and regulatory obligations under the Base Financial Ltd Client Agreement which includes: preparing and implementing my/our financial advice (which may involve sharing my/our information with other financial services providers); ensuring that the investment advice or financial products or services recommended to me/us are appropriate to my/our investment objectives, financial situation and particular needs; enable Base Financial Ltd to communicate with me/us appropriately about my/our financial advice and any product or service that Base Financial Ltd supplies to me / us. First / Sole Client I consent to Base Financial Ltd processing my sensitive personal data for the purpose described above. Second Client

Cancellation Rights. 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 The cancellation period rights for a life, pure protection, payment protection or pension each individual policy and a 14 day cancellation period for all other policies. For investments this will typically start when funds are invested and for pure protection policies this will normally begin when you are informed that the contract has been concluded or, if later, when you have received the contractual terms and conditions. Instructions for exercising the right to cancel, if applicable, been advised on will be contained in explained to you by our supportive concerned web-based administrator before or at the relevant product information issued to youtime you confirm or carry out the transaction. If you cancel a single premium contract, you may incur a loss due to market movements. This means that, in certain circumstances, you might not get back the full amount you invested if you cancel the policy. Client Money MATERIAL INTERESTS We are not permitted connected to handle client money and we cannot accept a cheque made out to us (unless it is in respect of an item for which we have sent you an invoice) or handle cash. 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 immediately after we have received them. If there are a number of documents relating to a series of transactionsany product provider, we will normally hold each document until the series is complete and then forward them to you. We will issue all communications in English, unless agreed otherwise. Material Interest We will act honestly, fairly and professionally known as conducting business in ‘Clients’ best interests’. Occasionally situations may but occasions can arise where we we, or one of our other clients customers, will have some form of interest in business transacted business, which we are transacting for you. If this happens happens, or we become aware that our interests or those of one of our other clients customer’s conflict with your interestinterests, we will write to inform you in writing and obtain your consent before we carry out your instructions and detail the steps instructions. There may be occasions when we will take be unable to act for one of the parties. As a consequence of such potential conflicts arising, we have put arrangements in place to ensure fair treatmentour clients are treated fairly. We have also implemented a conflicts of interest policy to help us manage such risks, which you may access on request. Where this an advisory firm works in a partnership with a discretionary manager, appropriate agreements must be in place. Should a recommendation be made to appoint SST to act as a discretionary manager for any proposed investment a formal discretionary management agreement will be required that sets out how your investments will be managed. SST will be responsible for the suitability of the advice. We recognize the potential conflict of interest operating within a group structure, and maintain robust systems and controls to mitigate the risks. Where a platform/custodian is used their particular terms and conditions will be provided or available upon request. RISK WARNINGS Relevant risk warnings will be advised to you throughout the financial planning process and in maybe, your suitability report. The value of investments may go down as well as up, and you ma y not get back the a mount invested. Levels of income from investments may fluctuate. We cannot be achievedheld liable for any depreciation in the value of investments arranged for you. Non- readily realizable investments will generally have a restricted market, and therefore it ma y be difficult to deal in that investment or to obtain reliable information about its value. For mortga ges please be aware that your home ma y be repossessed if you do not keep up repayments on your mortga ge. For insurance products, your insurance policy ma y lapse if you do not keep up to date with regular premium payments and you ma y not be covered if a claim is ma de. Again, we will not conduct the business. Complaints Our require our clients value the service to give us instructions in writing, or we provide and often recommend us to others. In the unlikely event that you are dissatisfied or wish to register a complaint, please write to the Managing Director at the address at the head of this document, telephone 00000 000000 or email xxx@xxxxxxxx.xxx A summary of may confirm our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx understanding in writing (by post or by contacting them on 0800 023 4567. Compensation Scheme If you make a complaint and we are unable email) in order to meet our liabilities, you may be entitled to compensation from the Financial Services Compensation Scheme. For investment business you will be covered up to a maximum of £85,000. Further information about these amounts and limits for all other product types are available from the FSCS at xxxx://xxx.xxxx.xxx.xx/what-we-cover/products 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. Data Protection & Privacy The company retains its records electronically and is bound by the General Data Protection Regulations. Xxxxx takes your privacy seriously. You can read it here xxx.xxxxxxxx.xxx/xxxxxxx-xxxxxx Law This client agreement is governed and shall be construed in accordance with English Law and the parties shall submit to the exclusive jurisdiction of the English Courtsavoid possible disputes.

Cancellation Rights. 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 The cancellation period rights for a life, pure protection, payment protection or pension each individual policy and a 14 day cancellation period for all other policies. For investments this will typically start when funds are invested and for pure protection policies this will normally begin when you are informed that the contract has been concluded or, if later, when you have received the contractual terms and conditions. Instructions for exercising the right to cancel, if applicable, been advised on will be contained in the relevant product information issued explained to youyou by our supportive concerned web-based administrator before or at thetime you confirmor carry outthe transaction. If you cancel a single premium contract, you may incur a loss due to market movements. This means that, in certain circumstances, you might not get back the full amount you invested if you cancel the policy. Client Money MATERIAL INTERESTS We are not permitted connected to handle client money and we cannot accept a cheque made out to us (unless it is in respect of an item for which we have sent you an invoice) or handle cash. 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 immediately after we have received them. If there are a number of documents relating to a series of transactionsany product provider, we will normally hold each document until the series is complete and then forward them to you. We will issue all communications in English, unless agreed otherwise. Material Interest We will act honestly, fairly and professionally known as conducting business in ‘Clients’ best interests’. Occasionally situations may but occasions can arise where we we, or one of our other clients have some form customers, willhavesomeform of interest in business transacted business, which we are transacting for you. If this happens happens, or we become aware that our interests or those of one of our other clients customer’s conflict with your interestinterests, we will write to inform you in writing and obtain your consent before we carry out your instructions and detail instructions. There may beoccasions whenwewill be unable to act for one of the steps parties. As a consequence of such potential conflicts arising, we will take have put arrangements in place to ensure fair treatmentour clients are treated fairly. Where this We have also implemented aconflictsofinterest policyto helpus manage such risks, which you may access on request. Wherean advisory firmworks in a partnership with a discretionary manager, appropriate agreements must be in place. Should a recommendation be made to appoint LSC to act as a discretionary manager for any proposed investment a formal discretionary management agreement will be required that setsouthowyour investments will be managed. LSC will be responsible for the suitability of the advice. We recognize the potential conflict of interest operating within a group structure, and maintain robust systems and controls to mitigate therisks. Whereaplatform/custodian isusedtheir particular terms and conditionswillbe provided or available upon request. RISK WARNINGS Relevant risk warnings will be advised to you throughout the financial planning process and in maybe, your suitability report. The value of investments may go down as well as up, and you may not get back the amount invested. Levels of incomefrom investmentsmayfluctuate. We cannot be achievedheld liable for any depreciation in the valueofinvestmentsarranged foryou. Non- readily realizable investments will generally have a restricted market, and therefore it maybe difficult to deal in that investment or to obtain reliable information about its value. For mortgages please be aware that your home may be repossessed if you do not keep up repayments on your mortgage. For insurance products, your insurance policy may lapse if you do not keep up to date with regular premium payments and you maynotbecovered if a claim is made. Again, we will not conduct the business. Complaints Our require our clients value the service to give us instructions in writing, or we provide and often recommend us to others. In the unlikely event that you are dissatisfied or wish to register a complaint, please write to the Managing Director at the address at the head of this document, telephone 00000 000000 or email xxx@xxxxxxxx.xxx A summary of may confirm our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx understanding in writing (by post or by contacting them on 0800 023 4567. Compensation Scheme If you make a complaint and we are unable email) in order to meet our liabilities, you may be entitled to compensation from the Financial Services Compensation Scheme. For investment business you will be covered up to a maximum of £85,000. Further information about these amounts and limits for all other product types are available from the FSCS at xxxx://xxx.xxxx.xxx.xx/what-we-cover/products 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. Data Protection & Privacy The company retains its records electronically and is bound by the General Data Protection Regulations. Xxxxx takes your privacy seriously. You can read it here xxx.xxxxxxxx.xxx/xxxxxxx-xxxxxx Law This client agreement is governed and shall be construed in accordance with English Law and the parties shall submit to the exclusive jurisdiction of the English Courtsavoid possible disputes.

Cancellation Rights. 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 The cancellation period rights for a life, pure protection, payment protection or pension each individual policy and a 14 day cancellation period for all other policies. For investments this will typically start when funds are invested and for pure protection policies this will normally begin when you are informed that the contract has been concluded or, if later, when you have received the contractual terms and conditions. Instructions for exercising the right to cancel, if applicable, been advised on will be contained in explained to you by our supportive concerned web-based administrator before or at the relevant product information issued to youtime you confirm or carry out the transaction. If you cancel a single premium contract, you may incur a loss due to market movements. This means that, in certain circumstances, you might not get back the full amount you invested if you cancel the policy. Client Money MATERIAL INTERESTS We are not permitted connected to handle client money and we cannot accept a cheque made out to us (unless it is in respect of an item for which we have sent you an invoice) or handle cash. 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 immediately after we have received them. If there are a number of documents relating to a series of transactionsany product provider, we will normally hold each document until the series is complete and then forward them to you. We will issue all communications in English, unless agreed otherwise. Material Interest We will act honestly, fairly and professionally known as conducting business in ‘Clients’ best interests’. Occasionally situations may but occasions can arise where we we, or one of our other clients customers, will have some form of interest in business transacted business, which we are transacting for you. If this happens happens, or we become aware that our interests or those of one of our other clients conflict customer’s conflict with your interestinterests, we will write to inform you in writing and obtain your consent before we carry out your instructions and detail the steps instructions. There may be occasions when we will take be unable to act for one of the parties. As a consequence of such potential conflicts arising, we have put arrangements in place to ensure fair treatmentour clients are treated fairly. We have also implemented a conflicts of interest policy to help us manage such risks, which you may access on request. Where this an advisory firm works in a partnership with a discretionary manager, appropriate agreements must be in place. Should a recommendation be made to appoint SST to act as a discretionary manager for any proposed investment a formal discretionary management agreement will be required that sets out how your investments will be managed. SST will be responsible for the suitability of the advice. We recognize the potential conflict of interest operating within a group structure, and maintain robust systems and controls to mitigate the risks. Where a platform/custodian is used their particular terms and conditions will be provided or available upon request. RISK WARNINGS Relevant risk warnings will be advised to you throughout the financial planning process and in maybe, your suitability report. The value of investments may go down as well as up, and you ma y not get back the a mount invested. Levels of income from investments may fluctuate. We cannot be achievedheld liable for any depreciation in the value of investments arranged for you. Non- readily realizable investments will generally have a restricted market, and therefore it ma y be difficult to deal in that investment or to obtain reliable information about its value. For mortga ges please be aware that your home ma y be repossessed if you do not keep up repayments on your mortga ge. For insurance products, your insurance policy ma y lapse if you do not keep up to date with regular premium payments and you ma y not be covered if a claim is ma de. Again, we will not conduct the business. Complaints Our require our clients value the service to give us instructions in writing, or we provide and often recommend us to others. In the unlikely event that you are dissatisfied or wish to register a complaint, please write to the Managing Director at the address at the head of this document, telephone 00000 000000 or email xxx@xxxxxxxx.xxx A summary of may confirm our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx understanding in writing (by post or by contacting them on 0800 023 4567. Compensation Scheme If you make a complaint and we are unable email) in order to meet our liabilities, you may be entitled to compensation from the Financial Services Compensation Scheme. For investment business you will be covered up to a maximum of £85,000. Further information about these amounts and limits for all other product types are available from the FSCS at xxxx://xxx.xxxx.xxx.xx/what-we-cover/products 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. Data Protection & Privacy The company retains its records electronically and is bound by the General Data Protection Regulations. Xxxxx takes your privacy seriously. You can read it here xxx.xxxxxxxx.xxx/xxxxxxx-xxxxxx Law This client agreement is governed and shall be construed in accordance with English Law and the parties shall submit to the exclusive jurisdiction of the English Courtsavoid possible disputes.

Cancellation Rights. In most cases The cancellation rights for each individual policy you can exercise a right have been advised on will be explained to cancel by withdrawing from you in your suitability report which we will give you before or at the contracttime you confirm or carry out the transaction. In general terms you will normally have a 30 day Where the provider is already in receipt of the investment proceeds and cancellation is requested within the cancellation period for a life, pure protection, payment protection or pension policy and a 14 day cancellation period for all other policies. For investments this will typically start when funds are invested and for pure protection policies this will normally begin when you are informed that the contract has been concluded or, if later, when you have received the contractual terms and conditions. Instructions for exercising the right to cancel, if applicable, will be contained in the relevant product information issued to you. If you cancel a single premium contract, you may incur a loss due to market movements. This means that, in certain circumstances, you might not get back the full amount you invested if you cancel the policy. Client Money We are not permitted to handle client money and we cannot accept a cheque made out to us (unless it is in respect of an item for which we have sent you an invoice) or handle cash. 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 immediately after we have received them. If there are a number of documents relating to a series of transactions, we will normally hold each document until instruct the series is complete and then forward them provider to yourefund the proceeds net/gross of the adviser charging agreed. We will issue all communications in English, unless agreed otherwise. Material Interest We will act honestly, fairly and professionally known as conducting business in ‘Clients’ best material interests’. Occasionally situations may /conflict of Interests Occasions can arise where we we, or one of our other clients customers, will have some form of interest in business transacted business, which we are transacting for you. If this happens or we become aware that our interests or those As a consequence of one of our other clients conflict with your interestsuch potential conflicts arising, we will write to you and obtain your consent before we carry out your instructions and detail the steps we will take have put arrangements in place to ensure fair treatmentall our clients are treated fairly. Where this cannot be achieved, we will not conduct the business. Complaints Our clients value the service we provide and often recommend We have also implemented a conflicts of interest policy to help us to othersall appropriate steps to manage such risks. In the unlikely event that you are dissatisfied or wish While we take all appropriate steps to register a complaintmitigate such risks, please write to the Managing Director at the address at the head of this document, telephone 00000 000000 or email xxx@xxxxxxxx.xxx A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx or by contacting them on 0800 023 4567. Compensation Scheme If you make a complaint and we are unable to meet our liabilitiesmitigate the risks from a potential conflict, before we undertake any actions on your behalf we will inform you in writing with; A specific description of the conflicts that has arisen. A clear documented statement of the steps the firm has taken to prevent the conflict. An explanation of the remaining risks that are posed to your interest Risk Warnings Relevant risk warnings will be advised to you throughout the financial planning process and in your suitability report. The value of investments may go down as well as up, and you may not get back the amount invested. Levels of income from investments may fluctuate. We cannot be entitled held liable for any depreciation in the value of investments arranged for you. Non-readily realisable investments will generally have a restricted market, and therefore it may be difficult to compensation deal in that investment or to obtain reliable information about its value. For mortgages please be aware that your home may be repossessed if you do not keep up repayments on your mortgage. For insurance products, your insurance policy may lapse if you do not keep up to date with regular premium payments and you may not be covered if a claim is made. Termination of Authority You or we may terminate our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given in writing and will take effect from the Financial Services Compensation Schemedate of receipt. For investment business you Termination is without prejudice to any transactions already initiated which will be covered completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees which may be outstanding. Data Protection To advise you properly we’ll need to collect information about your personal and financial circumstances. We take your privacy seriously and will only use your personal information to deliver our services. We are registered under the Data Protection Xxx 0000. You acknowledge and understand that we keep personal and financial information with regard to your circumstances on file (electronic and/or paper based) as required to be able to advise you appropriately as to your financial planning needs. We confirm that this information will not be used or transferred by us to any other firm, company, entity or person with the exception of Sanlam Partnerships Limited and the product provider without your consent or as may be required by law. We may also provide information to the Financial Conduct Authority (FCA) or other official bodies, upon request for regulatory reasons as required by law. We cannot be held responsible for the information held on your file becoming inaccurate due to your change of circumstances if you fail to inform us of those changes. We want to make sure your personal information is accurate and up to date. You may ask us to correct or remove information you think is inaccurate. Where business services are provided to us by third parties then circumstances may arise which warrant the disclosure of more than just your basic contact details. On these occasions such as processing business, and obtaining compliance and regulatory advice you agree that personal information held by us may be disclosed on a maximum confidential basis, and in accordance with the Data Protection Xxx 0000, to such third parties. You agree that this information may be transferred electronically, (e.g. e-mail). You also agree that we or any such third party may contact you in future by any means of £85,000communication which we or they consider appropriate at the time. Further You have the right to request information about these amounts we hold on you at any time, and limits may remove the permission to process your data at any time. We keep records of our business transactions with you for all other product types are available from the FSCS at xxxx://xxx.xxxx.xxx.xx/what-we-cover/products least six years. Anti-Money Laundering We are required by the anti-money laundering regulations to verify the your 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. Data Protection & Privacy The company retains its records electronically and is bound by the General Data Protection Regulations. Xxxxx takes your privacy seriously. You can read it here xxx.xxxxxxxx.xxx/xxxxxxx-xxxxxx Law This client agreement is governed and shall be construed in accordance with English Law the Proceeds of Crime Xxx 0000 and the Money Laundering Regulations 2007. We reserve the right to approach third parties shall submit and to the exclusive jurisdiction delay any applications until adequate verification of the English Courts.identity has been obtained. Governing Law & Jurisdiction

Cancellation Rights. In most cases The cancellation rights for each individual policy you can exercise a right have been advised on will be explained to cancel by withdrawing from you in your suitability report which we will give you before or at the contracttime you confirm or carry out the transaction. In general terms you will normally have a 30 day Where the provider is already in receipt of the investment proceeds and cancellation is requested within the cancellation period for a life, pure protection, payment protection or pension policy and a 14 day cancellation period for all other policieswe will instruct the provider to refund the proceeds net/gross of the adviser charging agreed. For investments this will typically start when funds are invested and for pure protection policies this will normally begin when you are informed that the contract has been concluded or, if later, when you have received the contractual terms and conditions. Instructions for exercising the right to cancel, if applicable, Risk Warnings Relevant risk warnings will be contained advised to you throughout the financial planning process and in the relevant product information issued to youyour suitability report. If you cancel a single premium contractThe value of investments may go down as well as up, and you may incur a loss due to market movements. This means that, in certain circumstances, you might not get back the full amount you invested invested. Levels of income from investments may fluctuate. We cannot be held liable for any depreciation in the value of investments arranged for you. Non-readily realisable investments will generally have a restricted market, and therefore it may be difficult to deal in that investment or to obtain reliable information about its value. For mortgages please be aware that your home may be repossessed if you cancel do not keep up repayments on your mortgage. For an equity release mortgage/Home reversion plan, to understand the policyfeatures and risks, ask for a personalised illustration. Client Money We are For insurance products, your insurance policy may lapse if you do not permitted keep up to handle date with regular premium payments and you may not be covered if a claim is made. Termination of Authority You or we may terminate our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to this client money and we cannot accept a cheque made out to us (agreement unless it is in respect of an item for which we have sent you an invoice) or handle cash. Documentation We will endeavour to make arrangements for all your investments to be registered in your name unless you first instruct us otherwise agreed in writing. All policy documents You will be forwarded liable to you immediately after we have received thempay for any transactions made prior to termination and any fees that may be outstanding. If there are a number material interests/conflict 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. We will issue all communications in English, unless agreed otherwise. Material Interest We will act honestly, fairly and professionally known as conducting business in ‘Clients’ best interests’. Occasionally situations may Interests Occasions can arise where we we, or one of our other clients customers, will have some form of interest in business transacted business, which we are transacting for you. If this happens or we become aware that our interests or those Because of one of our other clients conflict with your interestsuch potential conflicts arising, we will write to you and obtain your consent before we carry out your instructions and detail the steps we will take have put arrangements in place to ensure fair treatmentthat we treat all our clients fairly. Where this cannot be achieved, we will not conduct the business. Complaints Our clients value the service we provide and often recommend We have also implemented a conflicts of interest policy to help us to othersall appropriate steps to manage such risks. In the unlikely event that you are dissatisfied or wish While we take all appropriate steps to register a complaintmitigate such risks, please write to the Managing Director at the address at the head of this document, telephone 00000 000000 or email xxx@xxxxxxxx.xxx A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx or by contacting them on 0800 023 4567. Compensation Scheme If you make a complaint and we are unable to meet mitigate the risks from a potential conflict, before we undertake any actions on your behalf we will inform you in writing with; A specific description of the conflicts that has arisen. A clear documented statement of the steps the firm has taken to prevent the conflict. An explanation of the remaining risks that are posed to your interest. Data Protection We are an appointed representative of Sanlam Partnerships Limited (“Sanlam”) which is authorised and regulated by the Financial Conduct Authority (“FCA”). In order to assist Sanlam to comply with its legal and regulatory obligations as our liabilities, you principal we may share your personal data with Sanlam so it can comply with its legal and regulatory obligations; undertake compliance monitoring; deal with complaints; report internally within its group; respond to any FCA queries; liaise with its insurers; undertake audits; and where required by law to respond to enquiries from law enforcement agencies and government bodies. We have entered into an agreement with Sanlam which governs how the data may be entitled to compensation from shared and which ensures there are appropriate safeguards, in accordance with the Financial Services Compensation Schemeapplicable data protection laws. For investment business you will be covered up to We can provide a maximum copy of £85,000this agreement on written request. Further information about these amounts and limits for all other product types are available from the FSCS at xxxx://xxx.xxxx.xxx.xx/what-we-cover/products Anti-Money Laundering We are required by the anti-money laundering regulations to verify the your 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. Data Protection & Privacy The company retains its records electronically and is bound by the General Data Protection Regulations. Xxxxx takes your privacy seriously. You can read it here xxx.xxxxxxxx.xxx/xxxxxxx-xxxxxx Law This client agreement is governed and shall be construed in accordance with English Law the Proceeds of Crime Xxx 0000 and the Money Laundering Regulations 2007. We reserve the right to approach third parties and to delay any applications until adequate verification of identity has been obtained. Governing Law & Jurisdiction You agree to indemnify us in relation to any acts, proceedings or claims which we incur directly or indirectly as a result of our acting under this agreement save that this indemnity shall submit not apply to the exclusive extent it arises out of our negligence, fraud, breach of this agreement or our regulatory responsibilities. We reserve the right to amend this agreement at our discretion where changes in regulation or law necessitate by giving you notice in writing. You will also be given the option to accept our new agreements or terminate our authority. This agreement shall be governed by and construed according to English law. Any disputes shall be determined in the jurisdiction of the English Courts. Where a formal written notice is required by this agreement then it shall be in writing (not email unless agreed in advance by the parties) and sent by first class post and deemed effective two business days after posting. Client Consent Please tick to opt in to receiving our personalised email newsletter. Opting in means that you are consenting to receive our monthly email newsletter to the address supplied. You have also supplied further personal information about you and you are providing your consent for us to process this data to profile you so as to provide curated content. OR Please tick to opt in to receiving our non-personalised email newsletter Opting in means that you are consenting to receive our monthly email newsletter to the address supplied. It will not be personalised to you, and we will not store any information other than your name and email address. Whichever option you choose, you can withdraw your consent at any time by clicking the Unsubscribe button at the end of each newsletter or emailing xxxxxx@xxxxx.xx.xx and we will stop sending email newsletters We won’t pass your details on to third parties for marketing purposes, and all data is looked after in accordance with our Privacy Policy which you can read at xxxx://xxxxx.xx.xx/privacy-policy/ Client’s agreement This is our client agreement upon which we intend to rely. For your own benefit and protection, you should read these terms carefully before signing them. If you do not understand any point, please ask for further information. I/We understand and consent to the terms of this client agreement and I/We hereby authorise the transfer of information, as described above, on a confidential basis when warranted between such third parties.

Cancellation Rights. 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 The cancellation period rights for a life, pure protection, payment protection or pension each individual policy and a 14 day cancellation period for all other policies. For investments this will typically start when funds are invested and for pure protection policies this will normally begin when you are informed that the contract has been concluded or, if later, when you have received the contractual terms and conditions. Instructions for exercising the right to cancel, if applicable, been advised on will be contained explained to you in the relevant product information issued to you. If you cancel a single premium contract, you may incur a loss due to market movements. This means that, in certain circumstances, you might not get back the full amount you invested if you cancel the policy. Client Money We are not permitted to handle client money and we cannot accept a cheque made out to us (unless it is in respect of an item for your suitability report which we have sent will give you an invoice) before or handle cashat the time you confirm or carry out the transaction. Documentation We will endeavour to make arrangements for all your investments to be registered Where the provider is already in your name unless you first instruct us otherwise in writing. All policy documents will be forwarded to you immediately after we have received them. If there are a number receipt of documents relating to a series of transactionsthe investment proceeds and cancellation is requested within the cancellation period, we will normally hold each document until instruct the series is complete and then forward them provider to yourefund the proceeds net/gross of the adviser charging agreed. We will issue all communications in English, unless agreed otherwise. Material Interest We will act honestly, fairly and professionally known as conducting business in ‘Clients’ best interests’. Occasionally situations may MATERIAL INTERESTS/CONFLICT OF INTERESTS Occasions can arise where we we, or one of our other clients customers, will have some form of interest in business transacted business, which we are transacting for you. If this happens or we become aware that our interests or those As a consequence of one of our other clients conflict with your interestsuch potential conflicts arising, we will write to you and obtain your consent before we carry out your instructions and detail the steps we will take have put arrangements in place to ensure fair treatmentall our clients are treated fairly. Where this cannot be achieved, we will not conduct the business. Complaints Our clients value the service we provide and often recommend We have also implemented a conflicts of interest policy to help us to othersall appropriate steps to manage such risks. In the unlikely event that you are dissatisfied or wish While we take all appropriate steps to register a complaintmitigate such risks, please write to the Managing Director at the address at the head of this document, telephone 00000 000000 or email xxx@xxxxxxxx.xxx A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx or by contacting them on 0800 023 4567. Compensation Scheme If you make a complaint and we are unable to meet mitigate the risks from a potential conflict, before we undertake any actions on your behalf, we will inform you in writing with: A specific description of the conflicts that has arisen. A clearly documented statement of the steps the firm has taken to prevent the conflict. An explanation of the remaining risks that are posed to your interest. We may give or receive minor non-monetary benefits to/from some of the firms with whom we work in order to offer you a better service. Such benefits may include information relating to financial instruments or investment services; participation in conferences, seminars and training events; and minor hospitality (such as food and drink during a business meeting, conference, seminar or training event). Any costs we incur in provision of such benefits will not affect the charges you pay for our liabilities, you may be entitled to compensation from the Financial Services Compensation Scheme. For investment business you will be covered up to a maximum of £85,000service. Further information about regarding these amounts arrangements is available on request. RISK WARNINGS Relevant risk warnings will be advised to you throughout the financial planning process and limits in your suitability report. The value of investments may go down as well as up, and you may not get back the amount invested. Levels of income from investments may fluctuate. We cannot be held liable for all other product types are available from any depreciation in the FSCS at xxxx://xxx.xxxx.xxx.xx/what-we-cover/products Antivalue of investments arranged for you. Non-Money Laundering We are required by the anti-money laundering regulations readily realisable investments will generally have a restricted market, and therefore it may be difficult to verify the identity of our clients, deal in that investment or to obtain reliable 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-dateabout its value. For this purposeinsurance products, we your insurance policy may use electronic identity verification systems lapse if you do not keep up to date with regular premium payments and we you may conduct these checks from time to time throughout our relationship, not just at the beginning. Data Protection & Privacy The company retains its records electronically and be covered if a claim is bound by the General Data Protection Regulations. Xxxxx takes your privacy seriously. You can read it here xxx.xxxxxxxx.xxx/xxxxxxx-xxxxxx Law This client agreement is governed and shall be construed in accordance with English Law and the parties shall submit to the exclusive jurisdiction of the English Courtsmade.

Cancellation Rights. In most cases  The cancellation rights for each individual policy you can exercise a right have been advised on will be explained to cancel by withdrawing from you in your suitability report which we will give you before or at the contracttime you confirm or carry out the transaction. In general terms you will normally have a 30 day Where the provider is already in receipt of the investment proceeds and cancellation is requested within the cancellation period for a life, pure protection, payment protection or pension policy and a 14 day cancellation period for all other policies. For investments this will typically start when funds are invested and for pure protection policies this will normally begin when you are informed that the contract has been concluded or, if later, when you have received the contractual terms and conditions. Instructions for exercising the right to cancel, if applicable, will be contained in the relevant product information issued to you. If you cancel a single premium contract, you may incur a loss due to market movements. This means that, in certain circumstances, you might not get back the full amount you invested if you cancel the policy. Client Money We are not permitted to handle client money and we cannot accept a cheque made out to us (unless it is in respect of an item for which we have sent you an invoice) or handle cash. 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 immediately after we have received them. If there are a number of documents relating to a series of transactions, we will normally hold each document until instruct the series is complete and then forward them provider to yourefund the proceeds net/gross of the adviser charging agreed. We will issue all communications in English, unless agreed otherwise. Material Interest We will act honestly, fairly and professionally known as conducting business in ‘Clients’ best interests’. Occasionally situations may MATERIAL INTERESTS/CONFLICT OF INTERESTS  Occasions can arise where we we, or one of our other clients customers, will have some form of interest in business transacted business, which we are transacting for you. If this happens or we become aware that our interests or those As a consequence of one of our other clients conflict with your interestsuch potential conflicts arising, we will write to you and obtain your consent before we carry out your instructions and detail the steps we will take have put arrangements in place to ensure fair treatmentall our clients are treated fairly. Where this cannot be achieved, we will not conduct the business. Complaints Our clients value the service we provide and often recommend We have also implemented a conflicts of interest policy to help us to othersall appropriate steps to manage such risks. In the unlikely event that you are dissatisfied or wish While we take all appropriate steps to register a complaintmitigate such risks, please write to the Managing Director at the address at the head of this document, telephone 00000 000000 or email xxx@xxxxxxxx.xxx A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx or by contacting them on 0800 023 4567. Compensation Scheme If you make a complaint and we are unable to meet mitigate the risks from a potential conflict, before we undertake any actions on your behalf we will inform you in writing with;  A specific description of the conflicts that has arisen.  A clear documented statement of the steps the firm has taken to prevent the conflict.  An explanation of the remaining risks that are posed to your interest.  We may give or receive minor non-monetary benefits to/from some of the firms with whom we work in order to offer you a better service. Such benefits may include information relating to financial instruments or investment services; participation in conferences, seminars and training events; and minor hospitality (such as food and drink during a business meeting, conference, seminar or training event). Any costs we incur in provision of such benefits will not affect the charges you pay for our liabilities, you may be entitled to compensation from the Financial Services Compensation Scheme. For investment business you will be covered up to a maximum of £85,000service. Further information about regarding these amounts arrangements is available on request. RISK WARNINGS  Relevant risk warnings will be advised to you throughout the financial planning process and limits in your suitability report. The value of investments may go down as well as up, and you may not get back the amount invested. Levels of income from investments may fluctuate. We cannot be held liable for all other product types are available from any depreciation in the FSCS at xxxx://xxx.xxxx.xxx.xx/what-we-cover/products Antivalue of investments arranged for you. Non-Money Laundering We are required by the anti-money laundering regulations readily realisable investments will generally have a restricted market, and therefore it may be difficult to verify the identity of our clients, deal in that investment or to obtain reliable 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-dateabout its value. For this purposeinsurance products, we your insurance policy may use electronic identity verification systems lapse if you do not keep up to date with regular premium payments and we you may conduct these checks from time to time throughout our relationship, not just at the beginning. Data Protection & Privacy The company retains its records electronically and be covered if a claim is bound by the General Data Protection Regulations. Xxxxx takes your privacy seriously. You can read it here xxx.xxxxxxxx.xxx/xxxxxxx-xxxxxx Law This client agreement is governed and shall be construed in accordance with English Law and the parties shall submit to the exclusive jurisdiction of the English Courtsmade.

Cancellation Rights. 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 The cancellation period rights for a life, pure protection, payment protection or pension each individual policy and a 14 day cancellation period for all other policies. For investments this will typically start when funds are invested and for pure protection policies this will normally begin when you are informed that the contract has been concluded or, if later, when you have received the contractual terms and conditions. Instructions for exercising the right to cancel, if applicable, been advised on will be contained in explained to you by our supportive concerned web-based administrator before or at the relevant product information issued to youtime you confirm or carry out the transaction. If you cancel a single premium contract, you may incur a loss due to market movements. This means that, in certain circumstances, you might not get back the full amount you invested if you cancel the policy. Client Money MATERIAL INTERESTS We are not permitted connected to handle client money and we cannot accept a cheque made out to us (unless it is in respect of an item for which we have sent you an invoice) or handle cash. 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 immediately after we have received them. If there are a number of documents relating to a series of transactionsany product provider, we will normally hold each document until the series is complete and then forward them to you. We will issue all communications in English, unless agreed otherwise. Material Interest We will act honestly, fairly and professionally known as conducting business in ‘Clients’ best interests’. Occasionally situations may but occasions can arise where we we, or one of our other clients customers, will have some form of interest in business transacted business, which we are transacting for you. If this happens happens, or we become aware that our interests or those of one of our other clients customer’s conflict with your interestinterests, we will write to inform you in writing and obtain your consent before we carry out your instructions and detail the steps instructions. There may be occasions when we will take be unable to act for one of the parties. As a consequence of such potential conflicts arising, we have put arrangements in place to ensure fair treatmentour clients are treated fairly. We have also implemented a conflicts of interest policy to help us manage such risks, which you may access on request. Where this an advisory firm works in a partnership with a discretionary manager, appropriate agreements must be in place. Should a recommendation be made to appoint LSC to act as a discretionary manager for any proposed investment a formal discretionary management agreement will be required that sets out how your investments will be managed. LSC will be responsible for the suitability of the advice. We recognize the potential conflict of interest operating within a group structure, and maintain robust systems and controls to mitigate the risks. Where a platform/custodian is used their particular terms and conditions will be provided or available upon request. RISK WARNINGS Relevant risk warnings will be advised to you throughout the financial planning process and in maybe, your suitability report. The value of investments may go down as well as up, and you may not get back the amount invested. Levels of income from investments may fluctuate. We cannot be achievedheld liable for any depreciation in the value of investments arranged for you. Non- readily realizable investments will generally have a restricted market, and therefore it may be difficult to deal in that investment or to obtain reliable information about its value. For mortgages please be aware that your home may be repossessed if you do not keep up repayments on your mortgage. For insurance products, your insurance policy may lapse if you do not keep up to date with regular premium payments and you may not be covered if a claim is made. Again, we will not conduct the business. Complaints Our require our clients value the service to give us instructions in writing, or we provide and often recommend us to others. In the unlikely event that you are dissatisfied or wish to register a complaint, please write to the Managing Director at the address at the head of this document, telephone 00000 000000 or email xxx@xxxxxxxx.xxx A summary of may confirm our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx understanding in writing (by post or by contacting them on 0800 023 4567. Compensation Scheme If you make a complaint and we are unable email) in order to meet our liabilities, you may be entitled to compensation from the Financial Services Compensation Scheme. For investment business you will be covered up to a maximum of £85,000. Further information about these amounts and limits for all other product types are available from the FSCS at xxxx://xxx.xxxx.xxx.xx/what-we-cover/products 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. Data Protection & Privacy The company retains its records electronically and is bound by the General Data Protection Regulations. Xxxxx takes your privacy seriously. You can read it here xxx.xxxxxxxx.xxx/xxxxxxx-xxxxxx Law This client agreement is governed and shall be construed in accordance with English Law and the parties shall submit to the exclusive jurisdiction of the English Courtsavoid possible disputes.

Cancellation Rights. In most cases The cancellation rights for each individual policy you can exercise a right have been advised on will be explained to cancel by withdrawing from you in your suitability report which we will give you before or at the contracttime you confirm or carry out the transaction. In general terms you will normally have a 30 day Where cancellation is requested within the cancellation period for a life, pure protection, payment protection or pension policy and a 14 day cancellation period for all other policieswe will instruct the provider to refund the proceeds net/gross of the adviser charging agreed. For investments this will typically start when funds are invested and for pure protection policies this will normally begin when you are informed that the contract has been concluded or, if later, when you have received the contractual terms and conditions. Instructions for exercising the right to cancel, if applicable, will be contained in the relevant product information issued to you. If you cancel a single premium contract, you may incur a loss due to market movements. This means that, in certain circumstances, you might not get back the full amount you invested if you cancel the policy. Client Money MATERIAL INTERESTS We are not permitted connected to handle client money and we cannot accept a cheque made out to us (unless it is in respect of an item for which we have sent you an invoice) or handle cash. 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 immediately after we have received them. If there are a number of documents relating to a series of transactionsany product provider, we will normally hold each document until the series is complete and then forward them to you. We will issue all communications in English, unless agreed otherwise. Material Interest We will act honestly, fairly and professionally known as conducting business in ‘Clients’ best interests’. Occasionally situations may but occasions can arise where we we, or one of our other clients customers, will have some form of interest in business transacted business, which we are transacting for you. If this happens happens, or we become aware that our interests or those of one of our other clients customers conflict with your interestinterests, we will write to inform you in writing and obtain your consent before we carry out your instructions and detail the steps instructions. There may be occasions when we will take be unable to act for one of the parties. As a consequence of such potential conflicts arising, we have put arrangements in place to ensure fair treatmentour clients are treated fairly. Where this canWe have also implemented a conflicts of interest policy to help us manage such risks, which you may access on request. Risk Warnings Relevant risk warnings will be advised to you throughout the financial planning process and in your suitability report. For mortgages please be aware that your home may be repossessed if you do not keep up repayments on your mortgage. For insurance products, your insurance policy may lapse if you do not keep up to date with regular premium payments and you may not be achieved, covered if a claim is made. Termination of Authority You or we will not conduct the businessmay terminate our authority and/or this agreement to act on your behalf at any time without penalty. Complaints Our clients value the service we provide and often recommend us to others. In the unlikely event that you are dissatisfied or wish to register a complaint, please write to the Managing Director at the address at the head Notice of this document, telephone 00000 000000 or email xxx@xxxxxxxx.xxx A summary termination must be given in writing and will take effect from the date of our internal complaints handling procedures receipt. Termination is without prejudice to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for the reasonable any transactions made prior to termination and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you any fees which may be entitled to refer it to the Financial Ombudsman Service at xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx or by contacting them on 0800 023 4567outstanding. Compensation Scheme If you make a complaint and we are unable to meet our liabilities, you may be entitled to compensation from the Financial Services Compensation Scheme. For investment business you will be covered up to a maximum of £85,000. Further information about these amounts and limits for all other product types are available from the FSCS at xxxx://xxx.xxxx.xxx.xx/what-we-cover/products Anti-Anti Money Laundering We are required by the anti-money laundering regulations to verify the your 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. Data Protection & Privacy The company retains its records electronically and is bound by the General Data Protection Regulations. Xxxxx takes your privacy seriously. You can read it here xxx.xxxxxxxx.xxx/xxxxxxx-xxxxxx Law This client agreement is governed and shall be construed in accordance with English Law the Proceeds of Crime Xxx 0000 and the Money Laundering Regulations 2007. We reserve the right to approach third parties and to delay any applications until adequate verification of identity has been obtained. Governing Law & Jurisdiction LIABILITY You agree to indemnify us in relation to any acts; proceedings or claims which we incur directly or indirectly as a result of our acting under this agreement save that this indemnity shall submit not apply to the exclusive extent it arises out of our negligence, fraud, breach of this agreement or our regulatory responsibilities. We reserve the right to amend this agreement at our discretion where changes in regulation or law necessitate by giving you notice in writing. You will also be given the option to accept our new agreements or terminate our authority. This agreement shall be governed by and construed according to English law. Any disputes shall be determined in the jurisdiction of the English Courts.law Where a formal written notice is required by this agreement then it shall be in writing (not email unless agreed in advance by the parties) and sent by first class post and deemed effective two business days after posting. Client’s Consent This is our standard client agreement upon which we intend to rely. For your own benefit and protection you should read these terms carefully before signing them. If you do not understand any point please ask for further information. I/We understand and consent to the terms of this client agreement and I/We hereby authorise the transfer of information, as described above, on a confidential basis when warranted between such third parties. I/We authorise you to liaise with My/Our other professional advisers in exchanging relevant personal information pertinent to my/our financial planning requirements and to rely on any such information provided. I/We agree that this Client Agreement will come into effect from the date below. Please tick this box if you do not wish for us or any company associated with us to contact you for marketing purposes by e-mail, telephone, post or SMS. Client Name(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Client signature(s) .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Date .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Signed for and on behalf of the firm: Adviser .. .. .. .. .. .. .. .. .. .. .. .. Signature .. .. .. .. .. .. .. .. .. .. .. .. Date of issue .. .. .. .. .. .. .. .. .. .. .. .. JVR Financial Services (Xxxxxxx Xxxxxxxx FCA number 791593) is an appointed representative of Alpha Independent Financial Planning Limited which is authorised & regulated by the Financial Conduct Authority (FCA) under number 711124. You can check this on the Financial Services Register by visiting xxx.xxx.xxx.xx/xxxxxxxx/ or by contacting the FCA at 00 Xxx Xxxxx Xxxxxxxxx, Xxxxxx Xxxxx, Xxxxxx, X00 0XX or telephone 0000 000 0000 (free phone)

Cancellation Rights. 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 The cancellation period rights for a life, pure protection, payment protection or pension each individual policy and a 14 day cancellation period for all other policies. For investments this will typically start when funds are invested and for pure protection policies this will normally begin when you are informed that the contract has been concluded or, if later, when you have received the contractual terms and conditions. Instructions for exercising the right to cancel, if applicable, been advised on will be contained in explained to you by our supportive concerned web-based administrator before or at the relevant product information issued to youtime you confirm or carry out the transaction. If you cancel a single premium contract, you may incur a loss due to market movements. This means that, in certain circumstances, you might not get back the full amount you invested if you cancel the policy. Client Money MATERIAL INTERESTS We are not permitted connected to handle client money and we cannot accept a cheque made out to us (unless it is in respect of an item for which we have sent you an invoice) or handle cash. 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 immediately after we have received them. If there are a number of documents relating to a series of transactionsany product provider, we will normally hold each document until the series is complete and then forward them to you. We will issue all communications in English, unless agreed otherwise. Material Interest We will act honestly, fairly and professionally known as conducting business in ‘Clients’ best interests’. Occasionally situations may but occasions can arise where we we, or one of our other clients customers, will have some form of interest in business transacted business, which we are transacting for you. If this happens happens, or we become aware that our interests or those of one of our other clients conflict customer’s conflict with your interestinterests, we will write to inform you in writing and obtain your consent before we carry out your instructions and detail the steps instructions. There may be occasions when we will take be unable to act for one of the parties. As a consequence of such potential conflicts arising, we have put arrangements in place to ensure fair treatmentour clients are treated fairly. We have also implemented a conflicts of interest policy to help us manage such risks, which you may access on request. Where this an advisory firm works in a partnership with a discretionary manager, appropriate agreements must be in place. Should a recommendation be made to appoint LSC to act as a discretionary manager for any proposed investment a formal discretionary management agreement will be required that sets out how your investments will be managed. IAT will be responsible for the suitability of the advice. We recognize the potential conflict of interest operating within a group structure, and maintain robust systems and controls to mitigate the risks. Where a platform/custodian is used their particular terms and conditions will be provided or available upon request. RISK WARNINGS Relevant risk warnings will be advised to you throughout the financial planning process and in maybe, your suitability report. The value of investments may go down as well as up, and you ma y not get back the a mount invested. Levels of income from investments may fluctuate. We cannot be achievedheld liable for any depreciation in the value of investments arranged for you. Non- readily realizable investments will generally have a restricted market, and therefore it ma y be difficult to deal in that investment or to obtain reliable information about its value. For mortga ges please be aware that your home ma y be repossessed if you do not keep up repayments on your mortga ge. For insurance products, your insurance policy ma y lapse if you do not keep up to date with regular premium payments and you ma y not be covered if a claim is ma de. Again, we will not conduct the business. Complaints Our require our clients value the service to give us instructions in writing, or we provide and often recommend us to others. In the unlikely event that you are dissatisfied or wish to register a complaint, please write to the Managing Director at the address at the head of this document, telephone 00000 000000 or email xxx@xxxxxxxx.xxx A summary of may confirm our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx understanding in writing (by post or by contacting them on 0800 023 4567. Compensation Scheme If you make a complaint and we are unable email) in order to meet our liabilities, you may be entitled to compensation from the Financial Services Compensation Scheme. For investment business you will be covered up to a maximum of £85,000. Further information about these amounts and limits for all other product types are available from the FSCS at xxxx://xxx.xxxx.xxx.xx/what-we-cover/products 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. Data Protection & Privacy The company retains its records electronically and is bound by the General Data Protection Regulations. Xxxxx takes your privacy seriously. You can read it here xxx.xxxxxxxx.xxx/xxxxxxx-xxxxxx Law This client agreement is governed and shall be construed in accordance with English Law and the parties shall submit to the exclusive jurisdiction of the English Courtsavoid possible disputes.

Cancellation Rights. 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 The cancellation period rights for a life, pure protection, payment protection or pension each individual policy and a 14 day cancellation period for all other policies. For investments this will typically start when funds are invested and for pure protection policies this will normally begin when you are informed that the contract has been concluded or, if later, when you have received the contractual terms and conditions. Instructions for exercising the right to cancel, if applicable, been advised on will be contained in explained to you by our supportive concerned web-based administrator before or at the relevant product information issued to youtime you confirm or carry out the transaction. If you cancel a single premium contract, you may incur a loss due to market movements. This means that, in certain circumstances, you might not get back the full amount you invested if you cancel the policy. Client Money MATERIAL INTERESTS We are not permitted connected to handle client money and we cannot accept a cheque made out to us (unless it is in respect of an item for which we have sent you an invoice) or handle cash. 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 immediately after we have received them. If there are a number of documents relating to a series of transactionsany product provider, we will normally hold each document until the series is complete and then forward them to you. We will issue all communications in English, unless agreed otherwise. Material Interest We will act honestly, fairly and professionally known as conducting business in ‘Clients’ best interests’. Occasionally situations may but occasions can arise where we we, or one of our other clients customers, will have some form of interest in business transacted business, which we are transacting for you. If this happens happens, or we become aware that our interests or those of one of our other clients customer's conflict with your interestinterests, we will write to inform you in writing and obtain your consent before we carry out your instructions and detail the steps instructions. There may be occasions when we will take be unable to act for one of the parties. As a consequence of such potential conflicts arising, we have put arrangements in place to ensure fair treatmentour clients are treated fairly. We have also implemented a conflicts of interest policy to help us manage such risks, which you may access on request. Where this an advisory firm works in a partnership with a discretionary manager, appropriate agreements must be in place. Should a recommendation be made to appoint UST to act as a discretionary manager for any proposed investment a formal discretionary management agreement will be required that sets out how your investments will be managed. UST will be responsible for the suitability of the advice. We recognize the potential conflict of interest operating within a group structure, and maintain robust systems and controls to mitigate the risks. Where a platform/custodian is used their particular terms and conditions will be provided or available upon request. RISK WARNINGS Relevant risk warnings will be advised to you throughout the financial planning process and in maybe, your suitability report. The value of investments may go down as well as up, and you may not get back the amount invested. Levels of income from investments may fluctuate. We cannot be achievedheld liable for any depreciation in the value of investments arranged for you. Non- readily realizable investments will generally have a restricted market, and therefore it may be difficult to deal in that investment or to obtain reliable information about its value. For mortgages please be aware that your home may be repossessed if you do not keep up repayments on your mortgage. For insurance products, your insurance policy may lapse if you do not keep up to date with regular premium payments and you may not be covered if a claim is made. Again, we will not conduct the business. Complaints Our require our clients value the service to give us instructions in writing, or we provide and often recommend us to others. In the unlikely event that you are dissatisfied or wish to register a complaint, please write to the Managing Director at the address at the head of this document, telephone 00000 000000 or email xxx@xxxxxxxx.xxx A summary of may confirm our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx understanding in writing (by post or by contacting them on 0800 023 4567. Compensation Scheme If you make a complaint and we are unable email) in order to meet our liabilities, you may be entitled to compensation from the Financial Services Compensation Scheme. For investment business you will be covered up to a maximum of £85,000. Further information about these amounts and limits for all other product types are available from the FSCS at xxxx://xxx.xxxx.xxx.xx/what-we-cover/products 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. Data Protection & Privacy The company retains its records electronically and is bound by the General Data Protection Regulations. Xxxxx takes your privacy seriously. You can read it here xxx.xxxxxxxx.xxx/xxxxxxx-xxxxxx Law This client agreement is governed and shall be construed in accordance with English Law and the parties shall submit to the exclusive jurisdiction of the English Courtsavoid possible disputes.