Terms of Business Equity Release Mortgages and Protection Planning

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1 Terms of Business Equity Release Mortgages and Protection Planning 1. Introduction This document sets out the terms under which our services are to be provided, including a summary of our charges for those services. You should use the information provided within this document to decide if our services are right for you. PJK Associates is able to act on your behalf in advising you on mortgages and protection planning. We offer you an initial consultation (without charge) which will include details of our services and fees. Following our initial discussion, should you decide to go ahead, there is a cost for our advice and services. 2. Our Service The services that you have selected and the charges for those services are confirmed in section 10. We agree to provide the services selected and you agree to pay us for those services. All charges and fees will be fully disclosed to you and we will not charge you until we have discussed your payment options and agreed with you how we are to be paid. Any advice or recommendation that we offer you, will only be given after we have assessed your needs and considered your financial objectives and attitudes to any risks that may be involved. 3. Commencement This agreement shall commence on the date of issue and shall remain in force until terminated in accordance with section 4 cancellation. 4. Cancellation Termination of this agreement You or we may terminate this agreement and our authority to act to act on your behalf at any time, without penalty. Notice of this termination must be given in writing and will take effect from the day of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to this agreement unless otherwise agreed in writing. You will be liable to pay for any services provided prior to termination and any fees outstanding, if applicable. Product cancellation Full details of the products we recommend to you including for example, information on your right to cancel or any other termination rights or penalties, will be covered in the relevant product disclosure information you will receive before the conclusion of any contract. In most cases you can exercise your right to cancel by withdrawing from the contract. In general terms, you normally have a 30 day cancellation period for life, protection or payment protection policies and a 14 day cancellation period for all other policies. Please note that there is no right to cancel a mortgage contract once the transaction has concluded (completion).

2 5. Mortgage Advice & Fees Our mortgage services are designed to provide you with the most suitable mortgage solution for your circumstances and needs. We advise on mortgage products and we will make a recommendation for you after we have assessed your needs. We offer a limited range of equity release products from across the market. We advise on Lifetime mortgages only and not home reversion plans, though we will consider all Lifetime mortgages available in the market. Where a particular mortgage product is being recommended, every effort will be made to obtain the product, however, as products can be withdrawn with little or no notice, PJK Associates Ltd cannot be held responsible if the lender withdraws the product before the application is received by the lender. You pay for our mortgage services by a combination of fee and commission from the lender (procurement). If we charge you a fee it will be 299 payable at the point of application. If we charge you a fee and you subsequently decide not go ahead, you will not receive any refund. You will receive a key facts illustration which will tell you about any other fees relating to any particular equity release mortgage. 6. Protection Planning & Fees Our advised protection planning services are suitable if you are looking for the most suitable way to protect you, your family or your business through products such as life cover, critical illness cover or health insurance. We advise on non-investment protection products such as term assurance, income protection, unemployment cover and critical illness from a range of insurers. You will not receive advice or recommendation from us for buildings and contents insurance. We will ask some questions to narrow down the selection of products that we provide details on. You will then need to make your own choice whether to proceed. We do not charge you a fee for protection planning, we are paid commission by the provider. Where we are paid by commission we will tell you the amount on the illustrations we provide to you. Although you may pay nothing to us up front that does not mean our service is free. You still pay us indirectly through deductions from the amount you pay into your product. 7. Our Obligations Communication We may communicate with you via telephone, post, or in person. In certain circumstances we may ask you to confirm any instructions in writing prior to implementation. All our communications with you will be in English. Recommendations We will confirm in writing the basis of our recommendations. We will also provide you with an Illustration, Statement of Price or a Key Facts Illustration (KFI) which is a personalised description of the costs and features of the mortgage or product that we are recommending. You may ask us to provide you with additional Illustrations, Statement of Price or KFI s for any mortgage or product for which you are eligible. Anti-money laundering We are required by anti-money laundering regulations to verify the identity of our clients, to obtain information as to the purpose and nature of the business which we conduct on your behalf, and to ensure that the information we hold is up-to-date. Conflict of interest We will endeavour to always act in the best interest of our client. However, circumstances may arise where we or one of our clients may have some form of interest in business being transacted for you. If this happens or we become aware that our interests or those of one of our other clients conflict with your interests, we will write to you and obtain your consent before we carry out your instructions, and detail the steps we will take to ensure fair treatment.

3 Protecting your personal information Your personal information is important to us. We will endeavour to take all due care to protect this information. Please note the following information that you should be aware of: Some services are provided to our firm by third parties such as processing business or obtaining compliance or regulatory advice, which warrant the disclosure of more than just your basic contact details. Personal information held by ourselves may be disclosed on a confidential basis, and in accordance with the Data Protection Act 1998, to any such third parties. This information may be transferred electronically (e.g. ) and we, or any such third party, may contact you in future by any means of communication which we consider appropriate at the time. Product providers and lenders may administer your policy and provide other services, from centres in countries outside Europe that do not always have the same standard of Data Protection laws as the UK. However, they are required to put a contract in place to ensure that your information is adequately protected, and they will remain bound by their obligations under the Data Protection Act even when your personal information is processed outside Europe. 8. Your Obligations We seek to ensure that any personal information we hold about you should remain accurate and up to date, as this could affect the advice we give you. Therefore, please let us know if there are any significant changes to your personal details, when they occur. It is essential that you are aware of your duty to provide full details of all factors which a lender or insurer may wish to consider in relation to any application that you make. All answers given on any application or proposal form and any other statements made by you to us are your responsibility. You may be required to provide evidence at any time and failure to disclose material facts may well render the cover void or result in an application being declined. Please ask us if you are in any doubt. 9. How you are protected Authorisation - PJK Associates Ltd is authorised and regulated by the Financial Conduct Authority (FCA), 25 The North Colonnade, Canary Wharf, London E14 5HS. Our registration number is Our permitted business is advising on, arranging and making arrangements with a view to regulated mortgage products and non-investment insurance contracts. You can check this by visiting the FCA s website or by contacting the FCA on Complaints if you are dissatisfied with a recommendation we have made you are entitled to make a complaint. We have a complaints procedure in place that is available on request. If you wish to register a complaint, please contact us: In writing: The Compliance Officer, PJK Associates Ltd, Suite 1B Dolphin House, 103 Frimley Road, Camberley GU15 2PP. By Phone: By Please be assured we treat all complaints seriously. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (FOS) Financial Services Compensation Scheme We are also 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: Long term insurance benefits (e.g. life assurance) The maximum level of compensation for claims against firms declared in default is 100% of the claim with no upper limit. General Insurance General insurance advice and arranging is covered for 90% of the claim with no upper limit. Protection is at 100% where claims arise in respect of compulsory insurance (e.g. employer s liability insurance), professional indemnity insurance and certain claims for injury, sickness or infirmity of the policyholder. Protection is at 90% where claims arise under other types of policy with no upper limit. Equity Release Mortgages advising and arranging is covered up to a maximum limit of 50,000.

4 Further information about compensation scheme arrangements is available from the FSCS at Client Money We are not permitted to handle client money and we cannot accept a cheque made out to us or handle cash (unless it is in respect of a service or fee for which we have sent you an invoice) 10. Risk Factors How the value of your home can change: Where you make payments to the lender on a lifetime mortgage in respect of interest payable, the amount outstanding on a lifetime mortgage will broadly remain unchanged. Where you are not required to make interest payments to your lender the amount you owe goes up. Remember that house prices can go up or down and this can affect the amount of money left over for you or your estate after the mortgage is repaid. To understand the features and risks please ask for a personalised illustration. 11. Your Consent This is our standard Terms of Business upon which we intend to rely. For your own benefit and protection you should read these terms carefully before signing them. If you do not understand any point, please ask for further information. I/We acknowledge that the client agreement will come into effect from the date of issue. I/We authorise the transfer of personal information, on a confidential basis and in accordance with the Data Protection Act 1998, between PJK Associates Ltd and any relevant third parties. I/We agree that PJK Associates Ltd or any such third party may contact me in the future by any means of communication (e.g. ) considered appropriate at the time. I/We also confirm that I am/we are happy to give PJK Associates Ltd express consent to contact me/us by telephone, or post to discuss advising on or arranging a mortgage product in the future. I/We agree that PJK Associates Ltd may make an application to an Equity Release Provider on my/our behalf in order to secure a competitive deal appropriate to my/our circumstances. In doing so, I/We consent to a credit search being conducted in support of an application for a mortgage on my/our behalf. Services and Charges Agreed Initial Service Details of Fee Tick to confirm 299 Broker Fee (advice and administration) payable on application. Advice relating to Equity Release Mortgages Lender commission Fee (to be confirmed in the Key Features Illustration). No Fee. Advice relating to Protection Planning We do not charge you a fee. We will be paid commission by the provider (to be confirmed in the Provider Illustration).

5 Date of Issue Client Name(s) Client Signature(s) Date of Signature(s)

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