Common use of Product Providers Clause in Contracts

Product Providers. We only select insurance products from a limited number of insurers; please visit our website at xxx.xxxxxxxxxxxxx.xx.xx/ to see a list of the insurers we deal with for your requested product. Any additional optional add on policies which you purchase in conjunction with your main policy are linked and will be cancelled in line with the main one. We will not in any circumstances act as an insurer nor guarantee or warrant the solvency of any insurer. Compensation arrangements We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim, without an upper limit. All compulsory insurances (for example, motor insurance and employers’ liability insurance), insurance advising and arranging are covered for 100% of the claim, without an upper limit. Further information about compensation scheme arrangements is available from the FSCS on 0800 678 1100 or 020 7741 4100 or by visiting xxxx://xxx.xxxx.xxx.xx Your duty of disclosure As the insurance is arranged wholly or mainly for purposes related to your trade, business or profession you have a duty of fair presentation, which means you must disclose every material circumstance which you and/ or your senior management and/ or anyone responsible for arranging your insurance know or ought to know and take reasonable searches which is important to the assessment of your insurance risk. Alternatively, you must disclose sufficient information that would put the insurer on notice that it needs to make further enquiries to establish those material circumstances. Otherwise, incorrect information may invalidate your insurance. This duty of fair presentation applies throughout the life of your policy, when any variation is made and when you renew your insurance. A fair presentation of the risk are any facts which may influence the insurer’s decision to accept the policy and/or what terms are applied. Failure to disclose a material circumstance may invalidate your insurance and could mean that part or all of a claim may not be paid. We use your information to carry out checks on databases which help detect and prevent fraud and financial crime. If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies to prevent fraud andmoney laundering. Further details explaining how your details may be used or how the information held by fraud prevention agencies may be used, can be obtained from us at your request. Cancellation If you wish to cancel your policy, please contact us. If you are paying on direct debit please speak to us before cancelling your direct debit. You can cancel your policy at any time, to do so please contact us by letter at our above address, by phone 00000 000000 or by email at xxxx@xxxxxxxxxxxxxxxx.xx.xx. In the event of cancellation, we shall be entitled to retain any commissions and fees earned prior to the date of cancellation of the agreement and we may also charge a cancellation fee (see our scale of charges below). If you have had any fault or open claims on our insurance policy there is no refund of premium so this means that you will be liable for the full premium, even if you decide to cancel the policy and/or your policy is cancelled for non-payment. We also have the right to cancel your policy subject to 7 days’ notice to the email address held on file, please refer to your Policy wording for further details.

Product Providers. We only select insurance products from a limited number of insurers; please visit our website at xxx.xxxxxxxxxxxxx.xx.xx/ to see a list In respect of the insurers product providers that we deal with for use: we do not restrict our advice to certain companies. Instead, we use research tools to help us find the company that provides the right products to meet your requested productneeds. Any additional optional add on policies which you purchase in conjunction with your main policy are linked and will be cancelled in line with the main one. Conflicts of Interest We will not in any circumstances act as an insurer nor guarantee or warrant the solvency of any insurer. Compensation arrangements We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim, without an upper limit. All compulsory insurances (for example, motor insurance and employers’ liability insurance), insurance advising and arranging are covered for 100% of the claim, without an upper limit. Further information about compensation scheme arrangements is available from the FSCS on 0800 678 1100 or 020 7741 4100 or by visiting xxxx://xxx.xxxx.xxx.xx Your duty of disclosure As the insurance is arranged wholly or mainly for purposes related to your trade, business or profession you have a duty of fair presentation, which means you must disclose every material circumstance which you and/ or your senior management and/ or anyone responsible for arranging your insurance know or ought legal and regulatory obligation to know take all appropriate steps to identify and take reasonable searches which is important to the assessment of your insurance risk. Alternatively, you must disclose sufficient information that would put the insurer on notice that it needs to make further enquiries to establish those material circumstances. Otherwise, incorrect information may invalidate your insurance. This duty of fair presentation applies throughout the life of your policy, when any variation is made and when you renew your insurance. A fair presentation of the risk are any facts which may influence the insurer’s decision to accept the policy and/or what terms are applied. Failure to disclose a material circumstance may invalidate your insurance and could mean that part or all of a claim may not be paid. We use your information to carry out checks on databases which help detect and prevent fraud and financial crime. If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies to prevent fraud andmoney laundering. Further details explaining how your details may be used or how the information held by fraud prevention agencies may be used, can be obtained manage conflicts of interest from us at your request. Cancellation If you wish to cancel your policy, please contact us. If you are paying on direct debit please speak to us before cancelling your direct debit. You can cancel your policy at any time, to do so please contact us by letter at our above address, by phone 00000 000000 or by email at xxxx@xxxxxxxxxxxxxxxx.xx.xxarising. In the event of cancellationany of our business interests or activities creating a potential conflict of interest we will ensure that we take all appropriate steps to manage the potential conflict by maintaining robust systems, controls and staff training. In the unlikely event that we are unable to prevent the potential conflict, we shall be entitled will fully disclose to retain any commissions you, the general nature and/or sources of conflicts of interest and fees earned prior the steps taken to mitigate those risks. Further details of our conflict of interest policy are available upon request. Best Execution It is our policy to transact your business in order to achieve the date best possible results in terms of cancellation the: • Price of products, providers and services • Cost of advice • Speed • Size and Nature of the agreement transaction • Effectiveness of the Platform/Provider/ Service Provider Other Benefits We May Receive We will not receive any financial inducement or gift that will in any way compromise our ability to provide you with suitable advice. Non-Investment and General Insurance Permissions Unity Wealth Management is permitted to advise on and arrange (bring about) deals in non-investment and General insurance contracts. Non-investment Insurance We offer products from a range of insurers on the basis of a fair analysis of the market, for example; for Term Assurance, Critical Illness and Income Protection Policies. Which Service Will We Provide You With? We will advise and make a recommendation for you after we may also have assessed your needs. We are an insurance intermediary and act on behalf of clients and not insurers. What Will You Have to Pay Us for This Service? We do not charge a cancellation fee (see our scale of charges below). If you have had any fault or open claims on our insurance policy there is no refund of premium so this means that you fee, but we will be liable paid commission by the provider for the full premium, even if you decide to cancel the policy and/or your policy is cancelled for non-paymentnon- investment insurance. We also have will confirm the right total commission payable to cancel your policy subject to 7 days’ notice to the email address held on file, please refer to your Policy wording for further detailsyou in our Strategy Report.

Product Providers. We only select insurance products from a limited number of insurers; please visit our website at xxx.xxxxxxxxxxxxx.xx.xx/ to see a list In respect of the insurers product providers that we deal with use: we do not restrict our advice to certain companies. Instead, we use research tools to help us find the company that provides the right products to meet your needs. Investment and Non-Investment Insurance Services Inshore Independent Financial Advisers Ltd is permitted to advise on and arrange (bring about) deals in investments and non-investment insurance contracts. With regard to investments and non-investment insurance contracts which we have arranged for you, these will not be kept under review but we will advise you upon your requested productrequest. Any additional optional add However, we may contact you in the future by means of an unsolicited promotion should we wish to contact you to discuss the relative merits of an investment or non-investment insurance contract or service which we feel may be of interest to you. We are an insurance intermediary and act on policies which you purchase in conjunction with your main policy are linked behalf of clients and will be cancelled in line with not insurers. We offer a personal recommendation on the main onebasis of a fair and personal analysis of the market. Other Benefits We May Receive We will not receive any financial inducement or gift that will in any circumstances act as way compromise our ability to provide you with suitable advice Client Money Inshore Independent Financial Advisers Ltd does not handle clients’ money. We never accept a cheque made out to us (unless it is a cheque in settlement of charges or disbursements for which we have sent you an insurer nor guarantee invoice) or warrant the solvency handle cash. Conflicts of any insurer. Compensation arrangements Interest We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim, without an upper limit. All compulsory insurances (for example, motor insurance and employers’ liability insurance), insurance advising and arranging are covered for 100% of the claim, without an upper limit. Further information about compensation scheme arrangements is available from the FSCS on 0800 678 1100 or 020 7741 4100 or by visiting xxxx://xxx.xxxx.xxx.xx Your duty of disclosure As the insurance is arranged wholly or mainly for purposes related to your trade, business or profession you have a duty of fair presentation, which means you must disclose every material circumstance which you and/ or your senior management and/ or anyone responsible for arranging your insurance know or ought legal and regulatory obligation to know take all appropriate steps to identify and take reasonable searches which is important to the assessment of your insurance risk. Alternatively, you must disclose sufficient information that would put the insurer on notice that it needs to make further enquiries to establish those material circumstances. Otherwise, incorrect information may invalidate your insurance. This duty of fair presentation applies throughout the life of your policy, when any variation is made and when you renew your insurance. A fair presentation of the risk are any facts which may influence the insurer’s decision to accept the policy and/or what terms are applied. Failure to disclose a material circumstance may invalidate your insurance and could mean that part or all of a claim may not be paid. We use your information to carry out checks on databases which help detect and prevent fraud and financial crime. If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies to prevent fraud andmoney laundering. Further details explaining how your details may be used or how the information held by fraud prevention agencies may be used, can be obtained manage conflicts of interest from us at your request. Cancellation If you wish to cancel your policy, please contact us. If you are paying on direct debit please speak to us before cancelling your direct debit. You can cancel your policy at any time, to do so please contact us by letter at our above address, by phone 00000 000000 or by email at xxxx@xxxxxxxxxxxxxxxx.xx.xxarising. In the event of cancellationany of our business interests or activities creating a potential conflict of interest we will ensure that we take all appropriate steps to manage the potential conflict by maintaining robust systems, controls and staff training. In the unlikely event that we are unable to prevent the potential conflict, we shall will fully disclose to you, the general nature and/or sources of conflicts of interest and the steps taken to mitigate those risks. Further details of our conflict of interest policy are available upon request. Best Execution It is our policy to transact your business in order to achieve the best possible results in terms of the:  Price of products, providers and services  Cost of advice  Speed  Size and Nature of the transaction  Effectiveness of the Platform/ Provider/ Service Provider Termination of our services You, or we, may terminate our authority to act on your behalf at any time. You will be entitled liable to retain pay for any commissions and fees earned advice or services that you have received prior to the date of cancellation termination. This means that where we have agreed the advice and services that we will provide for you and we have agreed to receive payment for these, either by means of a fee or by receiving commission from a provider, you will have to pay us for any work we have completed up to the date of termination. Data Protection For details of our Data Protection statement and policy, please see our separate Data Protection Statement and consent form which will be provided separately to you. Payment for Services Please note that in addition to any charges disclosed to you in our ‘about our Services’ document, there is a possibility that other costs, including taxes, could be incurred related to transactions in connection with investment business that are not paid via the firm or imposed by it. Some transactions that we advise on, such as Discretionary Portfolio Services, we will accrue a notional entitlement under a Discretionary settlement from the service provider. The value of this entitlement does not impact on the overall charges that we will disclose to you as required by the Financial Conduct Authority. The value of our notional entitlement cannot be determined until the sale is realised, but we will be happy to provide you with details of the agreement and payments upon your request. In addition to the above, for certain transactions that we may recommend to you, we will also charge receive a cancellation fee (see our scale royalty payment from the provider as part of charges below)the annual management charge. If you have had any fault or open claims on our insurance policy there is no refund of premium so this means that you This payment will be liable for made on an annual basis and again will not affect the full premium, even if charges applied to your contract as disclosed to you decide to cancel at the policy and/or your policy is cancelled for non-paymentpoint of application. We also have will be happy to provide you with details of the right to cancel your policy subject to 7 days’ notice to the email address held on file, please refer payments as they relate to your Policy wording investment should you request these. Consumer Credit We make no charge for further details.any advice in relation to consumer credit activities. Accounting to You We will forward to you all documents showing ownership of your investments as soon as practicable after we receive them; where a number of documents relating to a series of transactions is involved, we will normally hold each document until the series is complete and then forward them to you. Inshore Independent Financial Advisers Ltd is authorised and regulated by the Financial Conduct Authority. Registered in England & Wales, Registered Number: 4886425. Registered address: Suite 7 Xxxxxxxx House, 000 Xxxxxxxxx Xxxx, Xxxxxxxxxx, Xxxxxx, XX00 0XX/ xxx.xxxxxxxxxx.xxx / Tel:00000000000 / Fax: 00000 000000

Product Providers. We only select insurance products from a limited number of insurers; please visit our website at xxx.xxxxxxxxxxxxx.xx.xx/ to see a list In respect of the insurers product providers that we deal with use: we do not restrict our advice to certain companies. Instead, we use research tools to help us find the company that provides the right products to meet your needs. Investment and Non-Investment Insurance Services Inshore Independent Financial Advisers Ltd is permitted to advise on and arrange (bring about) deals in investments and non-investment insurance contracts. With regard to investments and non-investment insurance contracts which we have arranged for you, these will not be kept under review but we will advise you upon your requested productrequest. Any additional optional add on policies However, we may contact you in the future by means of an unsolicited promotion should we wish to contact you to discuss the relative merits of an investment or non-investment insurance contract or service which you purchase in conjunction with your main policy are linked and will we feel may be cancelled in line with the main oneof interest to you. Other Benefits We May Receive We will not receive any financial inducement or gift that will in any circumstances act as way compromise our ability to provide you with suitable advice Client Money Inshore Independent Financial Advisers Ltd does not handle clients’ money. We never accept a cheque made out to us (unless it is a cheque in settlement of charges or disbursements for which we have sent you an insurer nor guarantee invoice) or warrant handle cash. Conflicts of Interest Inshore Independent Financial Advisers Ltd offers advice in accordance with that disclosed to you in this agreement and your initial disclosure document. Occasions may arise where we or one of our other clients have some form of interest in business being transacted for you. If this happens or we become aware that our interests or those of one of our other clients conflict with your interests, we will write to you and obtain your consent before we carry out your instructions, and detail the solvency steps we will take to ensure fair treatment. Our conflict of any insurer. Compensation arrangements We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type interest policy explains: what a conflict of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim, without an upper limit. All compulsory insurances (for example, motor insurance and employers’ liability insurance), insurance advising and arranging are covered for 100% of the claim, without an upper limit. Further information about compensation scheme arrangements is available from the FSCS on 0800 678 1100 or 020 7741 4100 or by visiting xxxx://xxx.xxxx.xxx.xx Your duty of disclosure As the insurance is arranged wholly or mainly for purposes related to your trade, business or profession you have a duty of fair presentation, which means you must disclose every material circumstance which you and/ or your senior management and/ or anyone responsible for arranging your insurance know or ought to know and take reasonable searches which is important to the assessment of your insurance risk. Alternatively, you must disclose sufficient information that would put the insurer on notice that it needs to make further enquiries to establish those material circumstances. Otherwise, incorrect information may invalidate your insurance. This duty of fair presentation applies throughout the life of your policyinterest is, when any variation is made it could arise, and when you renew your insurance. A fair presentation what to do should a conflict of the risk are any facts which may influence the insurer’s decision to accept the policy and/or what terms are applied. Failure to disclose a material circumstance may invalidate your insurance and could mean that part or all of a claim may not be paid. We use your information to carry out checks on databases which help detect and prevent fraud and financial crime. If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies to prevent fraud andmoney launderinginterest arise. Further details explaining how your details may be used or how the information held by fraud prevention agencies may be used, can be obtained from us at your request. Cancellation If you wish to cancel your policy, please contact us. If you are paying provided on direct debit please speak to us before cancelling your direct debit. You can cancel your policy request at any time. Best Execution It is our policy to transact your business in order to achieve the best possible results in terms of the nature and price of the products selected, transaction charges, administration and service excellence. Further details of our policy are available upon request. Termination of our services You, or we, may terminate our authority to do so please contact us by letter act on your behalf at our above address, by phone 00000 000000 any time. You will be liable to pay for any advice or by email at xxxx@xxxxxxxxxxxxxxxx.xx.xx. In the event of cancellation, we shall be entitled to retain any commissions and fees earned services that you have received prior to the date of cancellation termination. This means that where we have agreed the advice and services that we will provide for you and we have agreed to receive payment for these, either by means of a fee or by receiving commission from a provider, you will have to pay us for any work we have completed up to the date of termination. Data Protection For details of our Data Protection statement and policy, please see our separate Data Protection Statement and consent form which will be provided separately to you. Payment for Services Please note that in addition to any charges disclosed to you in our ‘about our Services’ document, there is a possibility that other costs, including taxes, could be incurred related to transactions in connection with investment business that are not paid via the firm or imposed by it. Some transactions that we advise on, such as Discretionary Portfolio Services, we will accrue a notional entitlement under a Discretionary settlement from the service provider. The value of this entitlement does not impact on the overall charges that we will disclose to you as required by the Financial Conduct Authority. The value of our notional entitlement cannot be determined until the sale is realised, but we will be happy to provide you with details of the agreement and payments upon your request. In addition to the above, for certain transactions that we may recommend to you, we will also charge receive a cancellation fee (see our scale royalty payment from the provider as part of charges below)the annual management charge. If you have had any fault or open claims on our insurance policy there is no refund of premium so this means that you This payment will be liable for made on an annual basis and again will not affect the full premium, even if charges applied to your contract as disclosed to you decide to cancel at the policy and/or your policy is cancelled for non-paymentpoint of application. We also have will be happy to provide you with details of the right to cancel your policy subject to 7 days’ notice to the email address held on file, please refer payments as they relate to your Policy wording investment should you request these. Consumer Credit We make no charge for further details.any advice in relation to consumer credit activities. Accounting to You We will forward to you all documents showing ownership of your investments as soon as practicable after we receive them; where a number of documents relating to a series of transactions is involved, we will normally hold each document until the series is complete and then forward them to you. Inshore Independent Financial Advisers Ltd is authorised and regulated by the Financial Conduct Authority. Registered in England & Wales, Registered Number: 4886425. Registered address: Suite 7 Xxxxxxxx House, 000 Xxxxxxxxx Xxxx, Xxxxxxxxxx, Xxxxxx, XX00 0XX/ xxx.xxxxxxxxxx.xxx / Tel:00000000000 / Fax: 00000 000000

Product Providers. In respect of the product providers that we use: we do not restrict our advice to certain companies. Instead, we use research tools to help us find the company that provides the right products to meet your needs. Non-investment Insurance: ABS is permitted to advise on and arrange (bring about) deals in non-investment and general insurance contracts. We only select are an insurance intermediary and act on behalf of clients and not insurers. We offer products from a limited number range of insurers; please visit our website at xxx.xxxxxxxxxxxxx.xx.xx/ to see insurers on the basis of a list fair and personal analysis of the insurers market. What will you have to pay us for this service? No fee, we deal with for your requested product. Any additional optional add on policies which you purchase in conjunction with your main policy are linked and will be cancelled paid commission by the provider. We have close relationships with certain parties used within this proposition, which we describe below. Important Information about ABS and Tatton Asset Management Plc (TAM): ABS Financial Planning Ltd owns 11,000, Xxxxxx Xxxxxxx, Director owns 8,202, Xxxxxx Xxxxxxxxx, Director owns 4,101 of the shares in line Tatton Asset Management plc (“TAM”). The value of these shares depends, at least in part, on how profitable TAM’s subsidiaries (the “Companies”) are, and how profitable they are expected to be. TAM’s shareholders may also receive dividends from TAM. How likely that is, and how big these payments will be, also depends, at least in part, on how profitable the Companies have been. The Companies include: • Tatton Investment Management Ltd (“TIML”); • Tatton Onshore Tax Strategies Ltd (“TOTS”) • Tatton Oak Limited (“TO”) • Paradigm Partners Ltd (“PPL”) • Paradigm Mortgage Services LLP (“PMS”) • Any other firm that TAM may acquire in the future that offers products and/or services to our firm. These arrangements give rise to a possible conflict of interest. We have a legal obligation to take all appropriate steps to prevent a conflict of interest from adversely affecting the interests of our clients. We must therefore be satisfied that: • We always act honestly, fairly and professionally in accordance with the main one. We will not best interests of our clients; and • When we decide whether to: o invest, or recommend that our clients invest, in any circumstances act as an insurer nor guarantee a product manufactured by a Company or warrant the solvency of any insurer. Compensation arrangements We are covered someone else; and/or o use, or recommend that our clients use, a service provided by the Financial Services Compensation Scheme (FSCS). You may be entitled a Company or someone else, we pay no regard whatsoever to compensation from the scheme if our shareholding in TAM; and • If we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim, without an upper limit. All compulsory insurances (for example, motor insurance and employers’ liability insurance), insurance advising and arranging are covered for 100% of the claim, without an upper limit. Further information about compensation scheme arrangements is available from the FSCS on 0800 678 1100 or 020 7741 4100 or by visiting xxxx://xxx.xxxx.xxx.xx Your duty of disclosure As the insurance is arranged wholly or mainly for purposes related to your trade, business or profession you have a duty of fair presentation, which means you must disclose every material circumstance which you and/ or your senior management and/ or anyone responsible for arranging your insurance know or ought to know and take reasonable searches which is important to the assessment of your insurance risk. Alternatively, you must disclose sufficient information that would put the insurer on notice decide that it needs is in our client’s best interests to make further enquiries to establish those material circumstances. Otherwiseinvest in a Company product and/or use a Company service, incorrect information may invalidate your insurance. This duty of fair presentation applies throughout the life of your policy, when any variation is made and when you renew your insurance. A fair presentation of the risk are any facts which may influence the insurer’s decision to accept the policy and/or what terms are applied. Failure to disclose a material circumstance may invalidate your insurance and could mean that part or all of a claim may not be paid. We use your information to carry out checks on databases which help detect and prevent fraud and financial crime. If false or inaccurate information is provided and fraud is identified, details there will be passed no possible disadvantage to fraud prevention agencies to prevent fraud andmoney laundering. Further details explaining how your details may be used or how the information held by fraud prevention agencies may be usedour client, can be obtained from us at your request. Cancellation If you wish to cancel your policy, please contact us. If you are paying on direct debit please speak to us before cancelling your direct debit. You can cancel your policy at any time, to do so please contact us by letter at our above address, by phone 00000 000000 or by email at xxxx@xxxxxxxxxxxxxxxx.xx.xx. In the event of cancellation, because we shall be entitled to retain any commissions and fees earned prior to the date of cancellation of the agreement and we may also charge a cancellation fee (see our scale of charges below). If you have had any fault or open claims on our insurance policy there is no refund of premium so this means that you will be liable for the full premium, even if you decide to cancel the policy and/or your policy is cancelled for non-payment. We also have the right to cancel your policy subject to 7 days’ notice to the email address held on file, please refer to your Policy wording for further detailshold shares in TAM.

Product Providers. We only select insurance products from a limited number of insurers; please visit our website at xxx.xxxxxxxxxxxxx.xx.xx/ to see a list In respect of the insurers product providers that we deal use, we do not restrict our advice to certain companies. Instead, we use research tools to help us find the company that provides the right products to meet your needs. Non-investment Insurance products Craufurd Xxxx Wealth Management Ltd is permitted to advise on and arrange (bring about) deals in non-investment and general insurance contracts. We are an insurance intermediary and act on behalf of clients and not insurers. We offer a personal recommendation on the basis of a fair and personal analysis of the market. Best Execution It is our policy to transact your business in order to try to achieve the best possible results in terms of: • price of products, providers and service. • cost of advice. • speed. • size and nature of the transaction, and • effectiveness of the platform/provider/service provider. Our charges Not all firms charge for advice in the same way. We offer an initial discussion free of charge in which we will describe our services, discuss your payment options with you and answer any initial questions you have. Time incurred after that first meeting is chargeable. We offer the option to pay our charges either: • on the basis of an invoice for fees, or • by adviser charge paid by the product provider, or • for non-investment insurances, by commission from the product provider. We will agree which method of payment is most appropriate to your requested product. Any additional optional add on policies which needs and confirm this to you purchase in conjunction with your main policy are linked and will be cancelled in line with the main onerelevant Assignment Letter or Assignment Appendix. We will not in any circumstances act as an insurer nor guarantee or warrant the solvency of any insurercharge you anything until you have agreed how we are to be paid. Compensation arrangements We are covered by the Financial Services Compensation Scheme (FSCS). You Our fees may be entitled payable in stages, and we will confirm this to compensation from the scheme if we cannot meet you in one or more specific Assignment Letters or Assignment Appendices. Where our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging service is covered for 90% of the claimundertaking a review, without an upper limit. All compulsory insurances (for example, motor insurance and employers’ liability insurance)our fees are payable on delivering our report. Where we are arranging one or more products, insurance advising and arranging our fees are covered for 100% payable on completion of each investment or when we are advised you have cancelled. If we have undertaken the work outlined above but you decide not to proceed, our fees are payable when you tell us that. Our preferred option is that our invoices are paid by Direct Debit. Fees can also be paid by cheque, BACS or credit card. If you pay our invoice by one of the claimmethods outlined above, the full amount you invest would be invested in the chosen product(s). Hourly Rates Fees payable will be calculated by taking into account the amount of time required to undertake the work and the hourly rate of the individual carrying out the work. If work is undertaken purely on an hourly rate basis you may also ask us not to exceed a given amount without checking with you first. We may agree a fixed fee for work to be undertaken. Example of our fee charged at an upper limit. Further information about compensation scheme arrangements is available from hourly rate for an Investment is: Staff Role Hourly Rate Estimated Hours Total Staff Cost Partner / Director £275 2 £550 Financial Adviser £240 3 £720 Total Charge Paraplanner £150 5 £750 £2,020 We will give you an estimate of the FSCS fees where appropriate or, for a specific item of work, charge the fees on 0800 678 1100 or 020 7741 4100 or by visiting xxxx://xxx.xxxx.xxx.xx Your duty of disclosure As the insurance is arranged wholly or mainly for purposes related to your trade, business or profession you have a duty of fair presentation, which means you must disclose every material circumstance which you and/ or your senior management and/ or anyone responsible for arranging your insurance know or ought to know and take reasonable searches which is important to the assessment of your insurance riskbasis set out below. Alternatively, you must disclose sufficient may agree that we are paid by a deduction of our fee from the amount you invest prior to its investment. Focused Advice The more time we spend researching and documenting information that would put the insurer on notice that more expensive it needs to make further enquiries to establish those material circumstances. Otherwise, incorrect information may invalidate your insurancecan become. This duty of fair presentation applies throughout the life of your policy, when any variation is made and when you renew your insurance. A fair presentation of the risk are any facts which may influence the insurer’s decision to accept the policy and/or what terms are applied. Failure to disclose a material circumstance may invalidate your insurance and could mean that part or all of a claim may not be paid. We use your information to carry out checks on databases which help detect and prevent fraud and financial crime. If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies to prevent fraud andmoney laundering. Further details explaining how your details may be used or how the information held by fraud prevention agencies may be used, can be obtained from us at your request. Cancellation If you wish deemed to cancel your policy, please contact us. If be unsuitable where you are paying merely seeking advice on direct debit please speak to us before cancelling your direct debita specific area or a smaller investment. You can cancel request focused advice and if you do, we will obtain limited information from you in order that we can concentrate on a specific area of financial planning. You should however be aware that the focused advice you receive may be different from advice given using the more holistic approach. Examples of our focused advice fees are: Work undertaken Typical fee from • Annuities £3,000 • Income drawdown £3,000 • Full financial review £4,000 Other matters Our charges for dealing with such matters as reviewing your policy attitude to risk and re-balancing investment funds or for an annual report on investments will be set out in the relevant Assignment Letter or Assignment Appendix. Where work is being undertaken for more than one individual, you are all jointly and severally liable for the fees due to us. Fees will be subject to the addition of VAT where appropriate. At the time of writing, fees where a product is purchased are exempt from VAT. On-going Service Option Once you have decided to implement your Financial Plan it is recommended to benefit from on-going monitoring and review. We have set these out within our client philosophy. Full details of our financial review service will be contained in our Assignment Letter/Assignment Appendix for that service. We will agree with you the frequency of reviews you will receive. Examples of our indicative ongoing fees are: Bi-Annual Valuation Service £ 550 p.a. Value Service £1,250 p.a. Financial Planning Service £3,750 p.a. Wealth Management Service £7,250 p.a. Please note that ongoing fees will be reviewed each year and may increase inline with inflation, this will be confirmed to you at the annual forward planning meeting. Consumer Credit We make no charge and receive no commission for any advice in relation to consumer credit activities. Termination of our services (Initial Advice) You or we may terminate our authority to act on your behalf at any time. You will be liable to pay for any advice or services we have rendered prior to termination. This means that where we have agreed the advice and services that we will provide for you and we have agreed to receive payment for these, to do so please contact us either by letter at our above address, by phone 00000 000000 means of a fee for investment business or by email at xxxx@xxxxxxxxxxxxxxxx.xx.xx. In the event of cancellationreceiving commission from a provider for non- investment insurance business, you will have to pay us for any work we shall be entitled to retain any commissions and fees earned prior have completed up to the date of cancellation termination, by way of the agreement and we may also charge a cancellation fee fee. Termination of our services (see our scale of charges below). If you have had any fault or open claims on our insurance policy there is no refund of premium so this means that you will be liable for the full premium, even if you decide to cancel the policy and/or your policy is cancelled for nonOn-payment. We also going Advice) You have the right to cancel your policy subject to 7 an agreement for our on-going services by giving 14 days’ notice notice. Where you hold assets within a wrapper you need to be aware that there will be terms and conditions made by the email address held on filewrap provider, please refer including terms which facilitate the wrap provider paying our fees. This means you may need to instruct the wrap provider direct and to arrange for the removal of assets from the wrap. You may need to appoint another adviser to access your Policy wording for assets in the wrap and to provide further detailson-going advice to you. If you decide to cancel our services, we will provide such assistance as may be necessary to tell the wrap provider about your decision.

Product Providers. We only select insurance products from a limited number of insurers; please visit our website at xxx.xxxxxxxxxxxxx.xx.xx/ to see a list In respect of the insurers product providers we deal with for use; we do not restrict our advice to certain companies. Instead, we use research tools to help us find the company that provides the right products to meet your requested productneeds. Any additional optional add on policies which you purchase in conjunction with your main policy are linked and will be cancelled in line with the main one. Conflicts of Interest We will not in any circumstances act as an insurer nor guarantee or warrant the solvency of any insurer. Compensation arrangements We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim, without an upper limit. All compulsory insurances (for example, motor insurance and employers’ liability insurance), insurance advising and arranging are covered for 100% of the claim, without an upper limit. Further information about compensation scheme arrangements is available from the FSCS on 0800 678 1100 or 020 7741 4100 or by visiting xxxx://xxx.xxxx.xxx.xx Your duty of disclosure As the insurance is arranged wholly or mainly for purposes related to your trade, business or profession you have a duty of fair presentation, which means you must disclose every material circumstance which you and/ or your senior management and/ or anyone responsible for arranging your insurance know or ought legal and regulatory obligation to know take all appropriate steps to identify and take reasonable searches which is important to the assessment of your insurance risk. Alternatively, you must disclose sufficient information that would put the insurer on notice that it needs to make further enquiries to establish those material circumstances. Otherwise, incorrect information may invalidate your insurance. This duty of fair presentation applies throughout the life of your policy, when any variation is made and when you renew your insurance. A fair presentation of the risk are any facts which may influence the insurer’s decision to accept the policy and/or what terms are applied. Failure to disclose a material circumstance may invalidate your insurance and could mean that part or all of a claim may not be paid. We use your information to carry out checks on databases which help detect and prevent fraud and financial crime. If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies to prevent fraud andmoney laundering. Further details explaining how your details may be used or how the information held by fraud prevention agencies may be used, can be obtained manage conflicts of interest from us at your request. Cancellation If you wish to cancel your policy, please contact us. If you are paying on direct debit please speak to us before cancelling your direct debit. You can cancel your policy at any time, to do so please contact us by letter at our above address, by phone 00000 000000 or by email at xxxx@xxxxxxxxxxxxxxxx.xx.xxarising. In the event of cancellationany of our business interests or activities creating a potential conflict of interest we will ensure that we take all appropriate steps to manage the potential conflict by maintaining robust systems, controls and staff training. In the unlikely event that we are unable to prevent the potential conflict, we shall be entitled will fully disclose to retain any commissions you, the general nature and/or sources of conflicts of interest and fees earned prior the steps taken to mitigate those risks. Best Execution It is our policy to transact your business in order to achieve the date of cancellation best possible results in terms of the agreement following factors: • Price of products, providers and we may also charge services • Cost of advice • Speed • Size and nature of the transaction • Effectiveness of the Platform/Provider/Service Provider We have a cancellation fee Best Execution Policy which can be provided on request Other Benefits We May Receive We will not receive any financial inducement or gift that will in any way compromise our ability to provide you with suitable advice. NON – INVESTMENT AND GENERAL INSURANCE SERVICES Non-Investment and General Insurance Permissions Lansdowne Xxxxxxxx Financial Services Ltd is permitted to advise on and arrange (see our scale of charges below). If you have had any fault or open claims on our insurance policy there is no refund of premium so this means that you will be liable for the full premium, even if you decide to cancel the policy and/or your policy is cancelled for bring about) deals in non-paymentinvestment and General Insurance contracts. Non-investment Insurance We also have offer products from a range of insurers on the right to cancel your policy subject to 7 days’ notice to basis of a fair analysis of the email address held on filemarket, please refer to your Policy wording for further detailsexample; for Term Assurance, Critical Illness and Income Protection Policies.