Common use of Client Classification Clause in Contracts

Client Classification. As a client of Willow Financial Planning Limited we will classify you as a ‘retail client’ for investment and pension advice and as a ‘consumer’ for protection advice. This will provide you with the maximum regulatory protections available to you. Should your classification change in the future, we will advise you accordingly in writing and obtain your agreement before proceeding with any financial planning advice. How we act for you: The company will exercise due care and diligence in conducting their business, but will not be liable for any depreciation of investments arranged by them. We prefer our clients to give us instructions in writing to avoid possible disputes. We will, however, accept oral instructions providing they are subsequently confirmed in writing. Any advice we give you will normally be in writing, but if given orally will be recorded on your file. Where any recommendation we make, or transaction we undertake for you, results in a right to cancel the policy under certain conditions, we will advise you of these rights. We will also tell you if you do not have a right to cancel the arrangement. There may be occasions where we, or one of our customers, will have some form of interest in business that we are transacting for you. If this happens, or we become aware that our interests or those of one of our other customers conflict with your interests, we will inform you in writing and obtain your consent before we carry out your instructions. If we can continue to act for you, we will tell you how we will ensure your interests are protected. On occasions we may have to cease acting for you, but we will help you find advice from elsewhere if you want us to. When we arrange investments for you we will register these in your name unless otherwise agreed in writing. Additionally, we will ensure you receive either a contract note, documents of title, or certificates evidencing title. Where a number of documents relating to a series of transactions is involved, the documents will normally be retained until the series is completed. All documents, cheques, and paperwork may be sent by post at the client's risk as soon as we receive the documents from the product provider concerned. We shall at the clients request and expense, send documents by registered post. In the absence of such a request, the client shall pay all charges incurred for the recovery or replacement of lost documents. Any advice that we give will be based on your financial objectives and your attitude to investment risk. We will endeavour to ensure that any recommendation made is suitable for you. Any recommendation made will be confirmed in writing to you. Should you decline to provide the information requested about your circumstances then we may decline to continue with the business relationship since we would not be able to demonstrate that the recommendation is suitable given your financial circumstances. In transmitting applications on your behalf to third parties, we will take all reasonable steps to ensure that we obtain the best possible result for you. This is referred to as ‘best execution’. Providing information to your insurer: Your insurance / protection cover is based upon the information you provide to the insurance company. For all individuals (known as consumers) buying insurance this means that you must take ‘reasonable care’ to answer all questions asked by the insurer fully and accurately. For general insurance policies such as car insurance or liability insurance, once cover has been arranged, you must immediately notify the insurers or us of any changes to the information that you have already provided. Failure to provide accurate and up to date information may invalidate your insurance cover and mean that a claim may not be paid. All other clients (commercial customers for example) must still disclose all ‘material facts’ (any information that may influence the insurer’s decision over cover or terms) prior to inception and throughout the period of the policy. Again, failure to disclose material information may invalidate your insurance cover and could mean that a claim may not be paid. Please note that if you reside outside of the UK, you may wish to seek further advice from a local adviser in your place of residence regarding the impact of our advice in relation to local taxation, practices and law. This is because the advice we provide you will be on the basis of being a UK Independent Financial Adviser and we do not have specialist knowledge of any legislation, taxation or financial practices outside of the UK. The company and its representatives are not qualified to provide any legal advice and will not provide any opinion as to whether a client should complain about any previous advice received unless explicitly agreed. All communications, both verbal and in writing, will be in English. Investment risk: All investments carry a degree of financial risk which will tend to increase in proportion to the potential rate of return on the investments. Any product which is directly or indirectly invested in assets which may fall in value (for example equities) may itself fall in value along with any decrease in value of those assets. Before entering into any investment agreement, you must ensure that you understand the risk associated with the product and are content to accept that level of risk. Investments can go down in value as well as up and you could get back less than you invest. The past is not a guide to future performance We do not handle client monies: Crossed cheques for premiums or investment monies can only be made payable directly to the product provider. No premiums or investment monies of any kind should be paid or made payable to anyone else.

Client Classification. As a Each client with whom the firm does business is categorised to identify the level of Willow Financial Planning Limited we will regulatory protection. We propose to classify you as a ‘retail clientRetail Client’ for Investment purposes; which gives you the highest level of regulatory protection. Communications We will communicate with you in English both verbally and in writing. Services to be provided For plans that have been arranged you need to ensure these remain relevant to your personal circumstances. For any plan involving investments we recommend that you reconsider the fund choice regularly. We do not undertake to review all plans at specific intervals but you can contact us at any point for advice on your plan. For certain plans we will agree a regular review and this will be stated in your suitability letter at the time the plan is taken out. Future reviews may incur a charge which will be confirmed in advance. On issue of this letter any subsequent advice or recommendation offered to you will be based upon your stated investment objectives, acceptable level of risk and pension advice and as a ‘consumer’ for protection adviceany restrictions you wish to place on the type of investments or policies you are willing to consider. This We will provide you with a suitability letter to confirm our recommendation. We will not place any restrictions on our recommendations. Unless advised to the maximum regulatory protections available to you. Should your classification change in the futurecontrary, we will advise assume that you accordingly wish to place no restrictions on the types of investment we may recommend and in writing and obtain your agreement before proceeding with any financial planning advice. How we act for you: The company will exercise due care and diligence in conducting their business, but will not be liable for any depreciation of investments arranged by them. We prefer our clients to give us instructions in writing to avoid possible disputes. We will, however, accept oral instructions providing they are which you may subsequently confirmed in writing. Any advice we give you will normally be in writing, but if given orally will be recorded on your file. Where any recommendation we make, or transaction we undertake for you, results in a right to cancel the policy under certain conditions, we will advise you of these rightsinvest. We will also tell assume that you if wish to place no restrictions on the markets in which transactions are to be executed. Richardsons Financial Services does not handle clients’ money. We never handle cash or accept a cheque made out to us unless the cheque is in settlement of charges or disbursements for which we have sent you do not have a right an invoice. We will also make arrangements for all your investments to cancel the arrangement. There may be occasions where we, or one of our customers, will have some form of interest in business that we are transacting for you. If this happens, or we become aware that our interests or those of one of our other customers conflict with your interests, we will inform you in writing and obtain your consent before we carry out your instructions. If we can continue to act for you, we will tell you how we will ensure your interests are protected. On occasions we may have to cease acting for you, but we will help you find advice from elsewhere if you want us to. When we arrange investments for you we will register these registered in your name unless you first instruct us otherwise agreed in writing. Additionally, We will forward you all documents showing ownership of your investments as soon as practicable after we will ensure you receive either a contract note, documents of title, or certificates evidencing titlethem. Where a number of documents relating to are due involving a series of transactions is involvedtransactions, the documents will we normally be retained hold each document until the series is completed. All documents, cheques, and paperwork may be sent by post at the client's risk as soon as we receive the documents from the product provider concerned. We shall at the clients request and expense, send documents by registered post. In the absence of such a request, the client shall pay all charges incurred for the recovery or replacement of lost documents. Any advice that we give will be based on your financial objectives and your attitude to investment risk. We will endeavour to ensure that any recommendation made is suitable for you. Any recommendation made will be confirmed in writing complete then forward them to you. Should you decline to provide the information requested about your circumstances then we may decline to continue with the business relationship since we would not be able to demonstrate that the recommendation is suitable given your financial circumstances. In transmitting applications on your behalf to third parties, we will take all reasonable steps to ensure that we obtain the best possible result for you. This is referred to as ‘best execution’. Providing information to your insurer: Your insurance / protection cover is based upon the information you provide to the insurance company. For all individuals (known as consumers) buying insurance this means that you must take ‘reasonable care’ to answer all questions asked by the insurer fully and accurately. For general insurance policies such as car insurance or liability insurance, once cover has been arranged, you must immediately notify the insurers or us of any changes to the information that you have already provided. Failure to provide accurate and up to date information may invalidate your insurance cover and mean that a claim may not be paid. All other clients (commercial customers for example) must still disclose all ‘material facts’ (any information that may influence the insurer’s decision over cover or terms) prior to inception and throughout the period of the policy. Again, failure to disclose material information may invalidate your insurance cover and could mean that a claim may not be paid. Please note that if you reside outside of the UK, you may wish to seek further advice from a local adviser in your place of residence regarding the impact of our advice in relation to local taxation, practices and law. This is because the advice we provide you will be on the basis of being a UK Independent Financial Adviser and we do not have specialist knowledge of any legislation, taxation or financial practices outside of the UK. The company and its representatives are not qualified to provide any legal advice and will not provide any opinion as to whether a client should complain about any previous advice received unless explicitly agreed. All communications, both verbal and in writing, will be in English. Investment risk: All investments carry a degree of financial risk which will tend to increase in proportion to the potential rate of return on the investments. Any product which is directly or indirectly invested in assets which may fall in value (for example equities) may itself fall in value along with any decrease in value of those assets. Before entering into any investment agreement, you must ensure that you understand the risk associated with the product and are content to accept that level of risk. Investments can go down in value as well as up and you could get back less than you invest. The past is not a guide to future performance We do not handle client monies: Crossed cheques for premiums or investment monies can only be made payable directly to the product provider. No premiums or investment monies of any kind should be paid or made payable to anyone else.

Client Classification. As a client of Willow Financial Planning Callaway Xxxxx Associates Limited we will classify you as a ‘retail client’ for investment and pension advice and as a ‘consumer’ for protection advice. This will provide you with the maximum regulatory protections available to you. Should your classification change in the future, we will advise you accordingly in writing and obtain your agreement before proceeding with any financial planning advice. How we act for you: The company Callaway Xxxxx Associates Limited will exercise due care and diligence in conducting their business, but will not be liable for any depreciation of investments arranged by them. We prefer our clients to give us instructions in writing to avoid possible disputes. We will, however, accept oral instructions providing they are subsequently confirmed in writing. Any advice we give you will normally be in writing, but if given orally verbally will be recorded on your file. We prefer clients to give us instructions in writing to avoid possible misunderstandings. We will, however, accept verbal instructions providing they are subsequently confirmed in writing. We will communicate with you in English both verbally and in writing. Where any recommendation we make, or transaction we undertake for you, results in a right to cancel the policy under certain conditionspolicy, we these rights will advise be defined in the providers’ own literature. You should note, in the case of cancellation, investments could be subject to a reduction in the underlying investments between the date of investment and when you of these exercise any cancellation rights, so you could lose money. We will also tell you if you do not have a right to cancel the arrangement. There may be offer independent advice but occasions can arise where we, or one of our customers, will have some form of interest in business that we are transacting for you. If this happens, or we become aware that our interests or those of one of our other customers conflict with your interests, we will inform you in writing and obtain your consent before we carry out your instructionsproceed. If we can continue to act for you, we will tell you how we will ensure your interests are protected. On occasions we may have to cease acting for you, but we will help you find advice from elsewhere if you want us to. Should you require further information in relation to our conflicts of interest policy then please contact us at the address shown. When we arrange investments for you we will register these in your name unless otherwise agreed in writing. Additionally, we will ensure you receive either a contract note, documents of title, or certificates evidencing titletitle if issued by the product provider. Where a number of documents relating to a series of transactions is are involved, the documents will normally be retained until the series is completed. All documents, cheques, and paperwork may be sent by post at the client's ’s risk as soon as once we receive the documents from the product provider concerned. We shall shall, at the clients client’s request and expense, send documents by registered post. In the absence of such a request, the client shall pay all charges incurred for the recovery or replacement of lost documents. Any advice that we give will be based on your financial objectives and where relevant, your attitude to investment risk. We will endeavour to ensure that any recommendation made is suitable risk and capacity for youloss. Any recommendation made will be confirmed to you in writing to youwriting. Should you decline to provide the information requested about your circumstances then we may decline to continue with the business relationship since we would not be able to demonstrate that the recommendation is suitable given your financial circumstancessuitable. In transmitting applications on your behalf to third parties, Please note: If you are an existing client of a Stockbroker or Discretionary Fund Manager (DFM) we will take all reasonable steps assume you already have an agreed investment strategy with them. It is the responsibility of the Stockbroker or DFM to assess your attitude to risk and ensure that we obtain your portfolio is managed within the best possible result for you. This is referred to as ‘best execution’. Providing information to your insurer: Your insurance / protection cover is based upon the information you provide to the insurance company. For all individuals (known as consumers) buying insurance this means agreed risk strategy that you must take ‘reasonable care’ placed with them. Should Callaway Xxxxx Associates Limited recommend that you use a Discretionary Fund Manager then Callaway Xxxxx Associates Limited will provide advice around the appropriateness of the contract and initial attitude to answer all questions asked risk and the suitability of that contract to meet your objectives. However, Callaway Xxxxx Associates Limited is not responsible for the risk assessment or investments made by the insurer fully and accuratelyDFM within that contract either initially or in future. For general insurance policies such as car insurance or liability insurance, once cover has been arranged, you must immediately notify the insurers or us of any changes to the information that you have already provided. Failure to provide accurate and up to date information may invalidate your insurance cover and mean that a claim may not be paid. All other clients (commercial customers for example) must still disclose all ‘material facts’ (any information that may influence the insurer’s decision over cover or terms) prior to inception and throughout the period of the policy. Again, failure to disclose material information may invalidate your insurance cover and could mean that a claim may not be paid. Please note that if you reside outside of the UK, you may wish to seek further advice from a local adviser in your place of residence regarding the impact of our advice in relation to local taxation, practices and law. This is because the advice we provide you will be on the basis of being a UK Independent Financial Adviser and we do not have specialist knowledge of any legislation, taxation or financial practices outside of the UK. The company and its representatives are not qualified to provide any legal advice and will not provide any opinion as to whether a client should complain about any previous advice received unless explicitly agreed. All communications, both verbal and in writing, will be in English. Investment risk: All investments carry a degree of financial risk which will tend to increase in proportion to the potential rate of return on the investments. Any product which is directly or indirectly invested in assets which may fall in value (for example equities) may itself fall in value along with any decrease in value of those assets. Before entering into any investment agreement, you must ensure that you understand the risk associated with the product and are content to accept that level of risk. Investments can go down in value as well as up and you could get back less than you invest. The past is not a guide to future performance We do not handle client monies: We are not authorised to handle client money for any business. The only exception to this is the fees we charge for our services – for which you will be sent an invoice. Crossed cheques for premiums or investment monies can only be made payable directly to the product provider. No premiums or investment monies of any kind should be paid or made payable to anyone else. We do not accept cash under any circumstances. Investment Risk: All investments carry varying degrees of financial risk which generally tend to increase in proportion to the potential rate of return on the investments. Any plan which is directly or indirectly invested in assets which may fall in value (e.g. equities) may also fall in value. Investments can go down in value as well as up and you could get back less than you invest. The past is not a guide to future performance. Therefore, before entering into any investment you must ensure that you understand the risk associated with the product, the underlying investments and are content to accept that level of risk. Foreign Account Tax Compliance Act (FATCA) The Foreign Account Tax Compliance Act (FATCA) requires US persons holding an interest in any specified foreign financial assets with an aggregate value exceeding $50,000 to report related information to the IRS. It is your responsibility to inform us if you; • Have US citizenship or lawful permanent resident (green card) status • Born in the US • Have a US residence address or US correspondence address (including a US PO box) • Standing instructions to transfer funds to an account maintained in the United States or directions regularly received from a US address • Have a ‘in care of’ address or a ‘hold mail’ address that is the sole address with respect to the client; • Have a power of attorney or signatory authority granted to a person with a US address Please note that we are not responsible in any way for any reporting obligations that you may have in relation to FATCA. We may also share your FATCA status with other Financial Institutions, HMRC and/or the IRS if requested.

Client Classification. As a client of Willow Financial Planning Callaway Xxxxx Associates Limited we will classify you as a ‘retail client’ for investment and pension advice and as a ‘consumer’ for protection advice. This will provide you with the maximum regulatory protections available to you. Should your classification change in the future, we will advise you accordingly in writing and obtain your agreement before proceeding with any financial planning advice. How we act for you: The company Callaway Xxxxx Associates Limited will exercise due care and diligence in conducting their business, but will not be liable for any depreciation of investments arranged by them. We prefer our clients to give us instructions in writing to avoid possible disputes. We will, however, accept oral instructions providing they are subsequently confirmed in writing. Any advice we give you will normally be in writing, but if given orally verbally will be recorded on your file. We prefer clients to give us instructions in writing to avoid possible misunderstandings. We will, however, accept verbal instructions providing they are subsequently confirmed in writing. We will communicate with you in English both verbally and in writing. Where any recommendation we make, or transaction we undertake for you, results in a right to cancel the policy under certain conditionspolicy, we these rights will advise be defined in the providers’ own literature. You should note, in the case of cancellation, investments could be subject to a reduction in the underlying investments between the date of investment and when you of these exercise any cancellation rights, so you could lose money. We will also tell you if you do not have a right to cancel the arrangement. There may be offer independent advice but occasions can arise where we, or one of our customers, will have some form of interest in business that we are transacting for you. If this happens, or we become aware that our interests or those of one of our other customers conflict with your interests, we will inform you in writing and obtain your consent before we carry out your instructionsproceed. If we can continue to act for you, we will tell you how we will ensure your interests are protected. On occasions we may have to cease acting for you, but we will help you find advice from elsewhere if you want us to. Should you require further information in relation to our conflicts of interest policy then please contact us at the address shown. When we arrange investments for you we will register these in your name unless otherwise agreed in writing. Additionally, we will ensure you receive either a contract note, documents of title, or certificates evidencing titletitle if issued by the product provider. Where a number of documents relating to a series of transactions is are involved, the documents will normally be retained until the series is completed. All documents, cheques, and paperwork may be sent by post at the client's ’s risk as soon as once we receive the documents from the product provider concerned. We shall shall, at the clients client’s request and expense, send documents by registered post. In the absence of such a request, the client shall pay all charges incurred for the recovery or replacement of lost documents. Any advice that we give will be based on your financial objectives and where relevant, your attitude to investment risk. We will endeavour to ensure that any recommendation made is suitable risk and capacity for youloss. Any recommendation made will be confirmed to you in writing to youwriting. Should you decline to provide the information requested about your circumstances then we may decline to continue with the business relationship since we would not be able to demonstrate that the recommendation is suitable given your financial circumstancessuitable. In transmitting applications on your behalf to third parties, Please note: If you are an existing client of a Stockbroker or Discretionary Fund Manager (DFM) we will take all reasonable steps assume you already have an agreed investment strategy with them. It is the responsibility of the Stockbroker or DFM to assess your attitude to risk and ensure that we obtain your portfolio is managed within the best possible result for you. This is referred to as ‘best execution’. Providing information to your insurer: Your insurance / protection cover is based upon the information you provide to the insurance company. For all individuals (known as consumers) buying insurance this means agreed risk strategy that you must take ‘reasonable care’ placed with them. Should Callaway Xxxxx Associates Limited recommend that you use a Discretionary Fund Manager then Callaway Xxxxx Associates Limited will provide advice around the appropriateness of the contract and initial attitude to answer all questions asked risk and the suitability of that contract to meet your objectives. However, Callaway Xxxxx Associates Limited is not responsible for the risk assessment or investments made by the insurer fully and accuratelyDFM within that contract either initially or in future. For general insurance policies such as car insurance or liability insurance, once cover has been arranged, you must immediately notify the insurers or us of any changes to the information that you have already provided. Failure to provide accurate and up to date information may invalidate your insurance cover and mean that a claim may not be paid. All other clients (commercial customers for example) must still disclose all ‘material facts’ (any information that may influence the insurer’s decision over cover or terms) prior to inception and throughout the period of the policy. Again, failure to disclose material information may invalidate your insurance cover and could mean that a claim may not be paid. Please note that if you reside outside of the UK, you may wish to seek further advice from a local adviser in your place of residence regarding the impact of our advice in relation to local taxation, practices and law. This is because the advice we provide you will be on the basis of being a UK Independent Financial Adviser and we do not have specialist knowledge of any legislation, taxation or financial practices outside of the UK. The company and its representatives are not qualified to provide any legal advice and will not provide any opinion as to whether a client should complain about any previous advice received unless explicitly agreed. All communications, both verbal and in writing, will be in English. Investment risk: All investments carry a degree of financial risk which will tend to increase in proportion to the potential rate of return on the investments. Any product which is directly or indirectly invested in assets which may fall in value (for example equities) may itself fall in value along with any decrease in value of those assets. Before entering into any investment agreement, you must ensure that you understand the risk associated with the product and are content to accept that level of risk. Investments can go down in value as well as up and you could get back less than you invest. The past is not a guide to future performance We do not handle client monies: We are not authorised to handle client money for any business. The only exception to this is the fees we charge for our services – for which you will be sent an invoice. Crossed cheques for premiums or investment monies can only be made payable directly to the product provider. No premiums or investment monies of any kind should be paid or made payable to anyone else. We do not accept cash under any circumstances. Investment Risk: All investments carry varying degrees of financial risk which generally tend to increase in proportion to the potential rate of return on the investments. Any plan which is directly or indirectly invested in assets which may fall in value (e.g. equities) may also fall in value. Investments can go down in value as well as up and you could get back less than you invest. The past is not a guide to future performance. Therefore, before entering into any investment you must ensure that you understand the risk associated with the product, the underlying investments and are content to accept that level of risk. Foreign Account Tax Compliance Act (FATCA) The Foreign Account Tax Compliance Act (FATCA) requires US persons holding an interest in any specified foreign financial assets with an aggregate value exceeding $50,000 to report related information to the IRS. It is your responsibility to inform us if you; • Have US citizenship or lawful permanent resident (green card) status • Born in the US • Have a US residence address or US correspondence address (including a US PO box) • Sanding instructions to transfer funds to an account maintained in the United States or directions regularly received from a US address • Have a ‘in care of’ address or a ‘hold mail’ address that is the sole address with respect to the client; • Have a power of attorney or signatory authority granted to a person with a US address Please note that we are not responsible in any way for any reporting obligations that you may have in relation to FATCA. We may also share your FATCA status with other Financial Institutions, HMRC and/or the IRS if requested.

Client Classification. As a client of Willow Financial Planning Limited Loughtons IFA we will classify you as a ‘retail client’ for investment and pension advice and as a ‘consumer’ for protection advice. This will provide you with the maximum regulatory protections available to you. Should your classification change in the future, we will advise you accordingly in writing and obtain your agreement before proceeding with any financial planning advice. How we act for you: The company will exercise due care and diligence in conducting their business, but will not be liable for any depreciation of investments arranged by them. We prefer our clients to give us instructions in writing to avoid possible disputes. We will, however, accept oral instructions providing they are subsequently confirmed in writing. Any advice we give you will normally be in writing, but if given orally will be recorded on your file. Where any recommendation we make, or transaction we undertake for you, results in a right to cancel the policy under certain conditions, we will advise you of these rights. We will also tell you if you do not have a right to cancel the arrangement. There may be occasions where we, or one of our customers, will have some form of interest in business that we are transacting for you. If this happens, or we become aware that our interests or those of one of our other customers conflict with your interests, we will inform you in writing and obtain your consent before we carry out your instructions. If we can continue to act for you, we will tell you how we will ensure your interests are protected. On occasions we may have to cease acting for you, but we will help you find advice from elsewhere if you want us to. Should you require further information in relation to our conflicts of interest policy then please contact us at the address shown. When we arrange investments for you we will register these in your name unless otherwise agreed in writing. Additionally, we will ensure you receive either a contract note, documents of title, or certificates evidencing title. Where a number of documents relating to a series of transactions is involved, the documents will normally be retained until the series is completed. All documents, cheques, and paperwork may be sent by post at the client's risk as soon as we receive the documents from the product provider concerned. We shall at the clients request and expense, send documents by registered post. In the absence of such a request, the client shall pay all charges incurred for the recovery or replacement of lost documents. Any advice that we give will be based on your financial objectives and your attitude to investment risk. We will endeavour to ensure that any recommendation made is suitable for you. Any recommendation made will be confirmed in writing to you. Should you decline to provide the information requested about your circumstances then we may decline to continue with the business relationship since we would not be able to demonstrate that the recommendation is suitable given your financial circumstances. In transmitting applications on your behalf to third parties, we will take all reasonable steps to ensure that we obtain the best possible result for you. This is referred to as ‘best execution’. Providing information to your insurer: Your insurance / protection cover is based upon the information you provide to the insurance company. For all individuals (known as consumers) buying insurance this means that you must take ‘reasonable care’ to answer all questions asked by the insurer fully and accurately. For general insurance policies such as car insurance or liability insurance, once cover has been arranged, you must immediately notify the insurers or us of any changes to the information that you have already provided. Failure to provide accurate and up to date information may invalidate your insurance cover and mean that a claim may not be paid. All other clients (commercial customers for example) must still disclose all ‘material facts’ (any information that may influence the insurer’s decision over cover or terms) prior to inception and throughout the period of the policy. Again, failure to disclose material information may invalidate your insurance cover and could mean that a claim may not be paid. Please note that if you reside outside of the UK, you may wish to seek further advice from a local adviser in your place of residence regarding the impact of our advice in relation to local taxation, practices and law. This is because the advice we provide to you will be on the basis of being a UK Independent Financial Adviser and we do not have specialist knowledge of any legislation, taxation or financial practices outside of the UK. The company and its representatives are not qualified to provide any legal advice and will not provide any opinion as to whether a client should complain about any previous advice received unless explicitly agreed. All communications, both verbal and in writing, will be in English. Investment risk: All investments carry a degree of financial risk which will tend to increase in proportion to the potential rate of return on the investments. Any product which is directly or indirectly invested in assets which may fall in value (for example equities) may itself fall in value along with any decrease in value of those assets. Before entering into any investment agreement, you must ensure that you understand the risk associated with the product and are content to accept that level of risk. Investments can go down in value as well as up and you could get back less than you invest. The past is not a guide to future performance We do not handle client monies: Crossed cheques for premiums or investment monies can only be made payable directly to the product provider. No premiums or investment monies of any kind should be paid or made payable to anyone else.

Client Classification. As a client of Willow Financial Planning Limited we will classify you as a ‘retail client’ for investment and pension advice and as a ‘consumer’ for protection advice. This will provide you with the maximum regulatory protections available to you. Should your classification change in the future, we will advise you accordingly in writing and obtain your agreement before proceeding with any financial planning advice. How we act for you: The company will exercise due care and diligence in conducting their business, but will not be liable for any depreciation of investments arranged by them. We prefer our clients to give us instructions in writing to avoid possible disputes. We will, however, accept oral instructions providing they are subsequently confirmed in writing. Any advice we give you will normally be in writing, but if given orally will be recorded on your file. Where any recommendation we make, or transaction we undertake for you, results in a right to cancel the policy under certain conditions, we will advise you of these rights. We will also tell you if you do not have a right to cancel the arrangement. There may be occasions where we, or one of our customers, will have some form of interest in business that we are transacting for you. If this happens, or we become aware that our interests or those of one of our other customers conflict with your interests, we will inform you in writing and obtain your consent before we carry out your instructions. If we can continue to act for you, we will tell you how we will ensure your interests are protected. On occasions we may have to cease acting for you, but we will help you find advice from elsewhere if you want us to. When we arrange investments for you we will register these in your name unless otherwise agreed in writing. Additionally, we will ensure you receive either a contract note, documents of title, or certificates evidencing title. Where a number of documents relating to a series of transactions is involved, the documents will normally be retained until the series is completed. All documents, cheques, and paperwork may be sent by post at the client's risk as soon as we receive the documents from the product provider concerned. We shall at the clients request and expense, send documents by registered post. In the absence of such a request, the client shall pay all charges incurred for the recovery or replacement of lost documents. Any advice that we give will be based on your financial objectives and your attitude to investment risk. We will endeavour to ensure that any recommendation made is suitable for you. Any recommendation made will be confirmed in writing to you. Should you decline to provide the information requested about your circumstances then we may decline to continue with the business relationship since we would not be able to demonstrate that the recommendation is suitable given your financial circumstances. In transmitting applications on your behalf to third parties, we will take all reasonable steps to ensure that we obtain the best possible result for you. This is referred to as ‘best execution’. Providing information to your insurer: Your insurance / protection cover is based upon the information you provide to the insurance company. For all individuals (known as consumers) buying insurance this means that you must take ‘reasonable care’ to answer all questions asked by the insurer fully and accurately. For general insurance policies such as car insurance or liability insurance, once cover has been arranged, you must immediately notify the insurers or us of any changes to the information that you have already provided. Failure to provide accurate and up to date information may invalidate your insurance cover and mean that a claim may not be paid. All other clients (commercial customers for example) must still disclose all ‘material facts’ (any information that may influence the insurer’s decision over cover or terms) prior to inception and throughout the period of the policy. Again, failure to disclose material information may invalidate your insurance cover and could mean that a claim may not be paid. Please note that if you reside outside of the UK, you may wish to seek further advice from a local adviser in your place of residence regarding the impact of our advice in relation to local taxation, practices and law. This is because the advice we provide you will be on the basis of being a UK Independent Financial Adviser and we do not have specialist knowledge of any legislation, taxation or financial practices outside of the UK. The company and its representatives are not qualified to provide any legal advice and will not provide any opinion as to whether a client should complain about any previous advice received unless explicitly agreed. All communications, both verbal and in writing, will be in English. Investment risk: All investments carry a degree of financial risk which will tend to increase in proportion to the potential rate of return on the investments. Any product which is directly or indirectly invested in assets which may fall in value (for example equities) may itself fall in value along with any decrease in value of those assets. Before entering into any investment agreement, you must ensure that you understand the risk associated with the product and are content to accept that level of risk. Investments can go down in value as well as up and you could get back less than you invest. The past is not a guide to future performance We do not handle client monies: Crossed cheques for premiums or investment monies can only be made payable directly to the product provider. No premiums or investment monies of any kind should be paid or made payable to anyone else. Termination of this agreement: This agreement will remain effective and in force until such time that you, or we, wish to terminate the agreement. Either party may terminate our authority to act on your behalf at any time without penalty. Notice of this termination must be given in writing by first class post. It will be deemed to be received 2 business days after being posted. Any business currently being completed will be completed unless we receive your instructions to the contrary. Any fees outstanding at the date of termination will be due within four weeks of the termination date Delay in Processing: The company will not be held responsible for any delay beyond its control, or as a result of a failure by any party (including the client) to complete all the necessary steps to process a transaction. Clients should be aware that the value of any investment made or withdrawals taken can fluctuate while being processed and the Company will not be held responsible for any changes to the expected value.

Client Classification. As a client of Willow Financial Planning Limited All clients must be identified as either Retail or Professional Clients. In your case we will classify identify you as a ‘retail Retail Client. Retail Clients are by far the largest category of client’ for investment and pension . These clients rely on the firm to provide regulated advice and are therefore owed the highest duty of care by their adviser. Professional Clients are clients who by their profession or investment experience may wish to be treated as a ‘consumer’ for protection advice. This will provide you with the maximum regulatory protections available to youProfessional Client. Should your classification change you elect to be a Professional Client we will give a written warning that you will lose the benefits of the arrangement under the Financial Services and Markets Xxx 0000 (except where there is a distance contract in place) which provides for the futureprotection of clients. Distance Marketing Directive On occasions when it may be necessary to conduct our business without any personal contact, we will advise you accordingly if this requires the creation of a distance contract between us. In this contract, you will be provided with additional information as required by the directive. Complaints & Redress Pensionhelp takes care to provide the highest standards of service. However, in writing and obtain your agreement before proceeding with any financial planning advice. How we act for you: The company will exercise due care and diligence in conducting their businessthe event that you should have a complaint, but will not be liable for any depreciation of investments arranged by them. We prefer our clients to give us instructions please contact the Compliance Officer at Pensionhelp on 0161 956 2328 or in writing to avoid possible disputesCompliance Officer, Pensionhelp at Pensionhelp Ltd, 00 Xx Xxxx Xxxxxx, Manchester, M3 4EB. We willwill formally acknowledge your complaint and send you a copy of our formal complaints procedure. We will investigate the matter in line with our procedures and in accordance with the FCA Rules and will report our findings. If you are still unhappy with the outcome you will have the right to take an eligible complaint to the Financial Ombudsman Service and we will provide details of how to do so at that stage. We are covered by the Financial Services Compensation Scheme – FSCS. If you make a valid claim against the company in respect of the advice provided and we are unable to meet our liabilities in full, howeveryou may be entitled to redress from the FSCS. The FSCS provides protection against an authorised investment firm going out of business. If your complaint relates to products or services you have bought from us online, accept oral instructions providing they are subsequently confirmed or by any other electronic means such as by email, you may refer your complaint to the online dispute resolution (ODR) platform at xxxx://xx.xxxxxx.xx/odr Termination This agreement may be terminated, in writing, by either party giving not less than 10 business days’ notice to the other party, but without prejudice to the completion of transactions already initiated. Any advice we give you You will normally be liable to pay for any transactions made prior to termination and any fees outstanding, if applicable. Ongoing services can be cancelled at any time without penalty by simply informing us in writing, but if given orally will be recorded on your file. Where any recommendation please note that we make, or transaction we undertake for you, results in a reserve the right to cancel charge you for services provided prior to cancellation. The Financial Services Compensation Scheme (FSCS) The amount of redress available will depend on the policy type of business and the circumstances of the claim: TYPE OF BUSINESS MAXIMUM FSCS COMPENSATION Deposits: £85,000 per person per firm (for claims against firms declared in default from 30 January 2017) 100% OF £85,000 Investments: £50,000 per person per firm (for claims against firms declared in default from 1 January 2010) 100% of the first £85,000 Insurance Business No upper limit on the amount of protection (for claims against firms declared in default from 3 July 2015). Long-term insurance benefits protected 100%. Claims under compulsory insurance, professional insurance and certain conditionsclaims for injury, we will advise you sickness or infirmity of these rightspolicyholder are protected at 100%. We will also tell you if you do not have a right to cancel the arrangementFSCS protects 90% of other types of claim with no upper limit. There may be occasions where we, or one of our customers, will have some form of interest in business that we are transacting for you. If this happens, or we become aware that our interests or those of one of our other customers conflict with your interests, we will inform you in writing and obtain your consent before we carry out your instructions. If we can continue to act for you, we will tell you how we will ensure your interests are protected. On occasions we may have to cease acting for you, but we will help you find advice from elsewhere if you want us to. When we arrange investments for you we will register these in your name unless otherwise agreed in writing. Additionally, we will ensure you receive either a contract note, documents of title, or certificates evidencing title. Where a number of documents relating to a series of transactions Further information is involved, the documents will normally be retained until the series is completed. All documents, cheques, and paperwork may be sent by post at the client's risk as soon as we receive the documents available from the product provider concerned. We shall FSCS at the clients request and expense, send documents by registered post. In the absence of such a request, the client shall pay all charges incurred for the recovery or replacement of lost documents. Any advice that we give will be based on your financial objectives and your attitude to investment risk. We will endeavour to ensure that any recommendation made is suitable for you. Any recommendation made will be confirmed in writing to you. Should you decline to provide the information requested about your circumstances then we may decline to continue with the business relationship since we would not be able to demonstrate that the recommendation is suitable given your financial circumstances. In transmitting applications on your behalf to third parties, we will take all reasonable steps to ensure that we obtain the best possible result for you. This is referred to as ‘best execution’. Providing information to your insurer: Your xxx.xxxx.xxx.xx Professional indemnity insurance / protection cover is based upon the information you provide to the insurance company. For all individuals (known as consumers) buying insurance this means that you must take ‘reasonable care’ to answer all questions asked by the insurer fully and accurately. For general insurance policies such as car insurance or liability insurance, once cover has been arranged, you must immediately notify the insurers or us of any changes to the information that you have already provided. Failure to provide accurate and up to date information may invalidate your insurance cover and mean that a claim may not be paid. All other clients (commercial customers for example) must still disclose all ‘material facts’ (any information that may influence the insurer’s decision over cover or terms) prior to inception and throughout the period of the policy. Again, failure to disclose material information may invalidate your insurance cover and could mean that a claim may not be paid. Please note that if you reside outside of the UK, you may wish to seek further advice from a local adviser in your place of residence regarding the impact of our advice in relation to local taxation, practices and law. This is because the advice we provide you will be on the basis of being a UK Independent Financial Adviser and we do not have specialist knowledge of any legislation, taxation or financial practices outside of the UK. The company and its representatives are not qualified to provide any legal advice and will not provide any opinion as to whether a client should complain about any previous advice received unless explicitly agreed. All communications, both verbal and in writing, will be in English. Investment risk: All investments carry a degree of financial risk which will tend to increase in proportion to the potential rate of return on the investments. Any product which is directly or indirectly invested in assets which may fall in value (for example equities) may itself fall in value along with any decrease in value of those assets. Before entering into any investment agreement, you must ensure that you understand the risk associated with the product and are content to accept that level of risk. Investments can go down in value as well as up and you could get back less than you invest. The past is not a guide to future performance We do not handle client monies: Crossed cheques for premiums or investment monies can only be made payable directly to the product provider. No premiums or investment monies of any kind should be paid or made payable to anyone elsePensionhelp Limited maintains Professional Indemnity Insurance.