The CF Woodford Equity Income Fund Off to a solid start

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1 CF The CF Woodford Equity Income Fund Off to a solid start Last year Neil Woodford got his business off to a flying start by raising a record 1.6 billion for his new fund during the offer period. Here are three good reasons why you might want to buy into this fund right now. It s run by one of the finest investors of our generation who has a vested interest in maximising returns. The charges are low. There s no initial charge and just 1.17% to pay annually through us all in. Most actively managed funds still charge in excess of 1.5% per annum. You can now shelter up to 15,000 this tax year into a new ISA (NISA) for tax-free returns. That s a tidy amount by any standards to keep away from the grasp of the taxman. Prior to running this fund, Neil Woodford managed the Invesco Perpetual High Income Fund from 6 February 1988 to 5 March 2014, during which time he gained a reputation as one of the UK s finest fund managers. Much of Neil Woodford s success resulted from taking bold decisions about the type of company or sector he wanted to invest in or avoid and then sticking to those decisions, for years if necessary, even if the mainstream disagreed. His track record for making the right call is well documented. He famously shunned technology stocks at the height of their popularity we all know what followed next. He also sold bank stocks well before they crashed around the time of the credit crunch. These are just two examples of Neil following his conviction rather than the herd. He has always been a long-term investor who doesn t believe in short-term risks. The CF Woodford Equity Income Fund was launched on 2 June Its objective is to deliver longterm capital growth together with a growing income stream, anticipated at 4% per annum and payable quarterly. It invests primarily in companies listed on UK stock exchanges, but can invest up to 20% internationally. This is, without question, a world-class investment proposition at a price that is fair, transparent and represents exceptional value. We ll arrange your investment through the UK s largest independent platform, Cofunds, whose funds under administration currently exceed 60bn. You ll pay no initial charge through us and annual charges of just 1.17% all in that s 0.75% for the management of the fund (with no extras), 0.23% for the Cofunds platform charge and just 0.19% for our new low service fee. continued overleaf Elson Associates plc 5 Queen Street Kings Hill West Malling Kent ME19 4DA T F E W elsonassociates.com Authorised and Regulated by the Financial Services Authority Registered in England No

2 What s more, if you re a new investor to Elson and you invest at least 5,000 into the fund by 5 April 2015, we will send you a cashback of 30. Call it a thank you for your custom. Existing clients are welcome to use their Loyalty Voucher when investing (terms apply). You can invest up to 15,000 into an ISA for tax-free returns. Additionally, you can make a lump sum or monthly investment directly into the fund or transfer an existing ISA. If you wish to invest, please make sure you have read the KIIDs document and our Terms and Conditions of Business along with the Terms & Conditions of the Cofunds Platform and the Platform Key Information document which are both available to view on our website at: or you can request them to be sent to you by post. Then simply follow the instructions on the How to proceed page and return your completed application form, signed fee agreement (if not already sent) and cheque made payable to Cofunds Limited (if applicable) to us in the FREEPOST envelope provided. We do not offer advice. If you are unsure about the suitability of an investment, you should obtain professional advice. Please remember that past performance is no guide to the future. The value of investments and the income from them can fall as well as rise and you may not get back the amount invested. The tax advantages of ISAs may be subject to future statutory change. Eligibility to invest in an ISA and the value of tax savings on ISAs will depend on individual circumstances. We look forward to hearing from you, however, if you do still have any questions, please don t hesitate to call us on Please submit your 2014/15 ISA application form to us so that we receive it by 2 April 2015 at the very latest. 2

3 CF Woodford Investment pack Neil Woodford, acknowledged as one of the finest investors of his generation and awarded CBE last year for services to the economy has set up his own firm, Woodford Investment Management. His first fund, the CF Woodford Equity Income Fund launched in June 2014, was without question one of the most significant fund launches for some time, raising 1.6 billion during the offer period. Everything you need to make an investment is enclosed. 3

4 Why we recommend the Cofunds platform for the CF Woodford Fund As a broker, we need to use a reputable company to look after your assets safely and securely which is why we recommend Cofunds. Cofunds offers a range of leading investment products and enables access to over 2,500 individual investment funds from over 100 fund managers. So whether it s capital growth or a regular income you require, you ll always be able to find an investment that suits your circumstances and meets your objectives. Cofunds was founded in 2001 and was one of the first platforms to enter the market. As a result, it has a great deal of experience in helping people to manage investments more effectively. Cofunds is the UK s leading general investment platform for intermediaries and other financial institutions. It s used by more investors and intermediaries to administer assets than any other platform, in fact over 800,000 investors with assets totalling over 60bn. Cofunds is a private limited company and is wholly owned by Legal & General as part of the Legal & General group of companies. As a FTSE 100 company recognised by three of the world s leading independent rating agencies for its financial strength, you can be confident of Cofunds financial security, robust infrastructure, knowledge and expertise. Charges for the CF Woodford Equity Income Fund As a result of regulatory changes, charges on investments made via platforms are to be separated. Under the existing system, charges are bundled together and incorporated into the annual management charge which is typically 1.5% p.a. The typical elements are 0.75% p.a. fund management charge, 0.25% p.a. platform fee and 0.5% p.a. broker commission. Going forward, these charges are to become unbundled offering greater clarity to investors. To facilitate these changes, companies have introduced new style clean share class funds which only incorporate the fund management charge element (typically 0.75% p.a.) Platform and intermediary fees (commission no longer payable) are then charged separately. The CF Woodford Equity Income Fund is a new style clean share class fund. You cannot buy it directly from Woodford Investment Management. It is only available through fund platforms and intermediaries, like ourselves. Here are the charges through Elson Associates: Initial fee Annual fee 1 year cost on 10,000 (no growth) Woodford: 0% Annual fund management fee: 0.75% Cofunds: 0% Annual service fee: 0.23%* Elson Associates: 0% Annual service fee: 0.19% Total initial fee 0% Total annual fee: 1.17% * for investments up to 500,000. Then it s 0.2% on the next 500,000 and 0.15% on any amount held in excess of 1m. Visit or call us for further details. The Cofunds and Elson annual service fees are payable by unit deduction each month. If you don t want Cofunds to sell units/ shares to pay the service fees, you need to make sure that you keep enough money in your cash account to cover them. If this is your preferred option, please contact us for further information. 4

5 How to proceed Please make sure you have read the Key Investor Information Documents together with the Terms & Conditions of the Cofunds Platform Please and make the Platform sure you Key have Information read the relevant Document Key Investor before proceeding. Information These Documents documents together are available with the Terms to view & on our website at Conditions of the Cofunds Platform or and you the can Platform request Key them Information to be sent Document to you by post, before just proceeding. call These documents are available to view on our website at or you can request them to be sent to you Investing by post, in just an ISA call How For to invest an ISA investment, please complete the Investment ISA (Stocks & Shares) 2014/2015 Application Form. Please make sure you have completed your personal details correctly, including your National Insurance number, if For an ISA investment, please complete the Investment ISA application form on pages 7 & 8. applicable. Make For your an cheque Investment payable Fund, to please Cofunds complete Limited. the Investment Please do not Funds make application your cheque form payable on pages to 12, Elson 13 Associates & 14. as we cannot Please handle make client sure money. you have completed your personal details correctly, including your National Insurance Building number, Society if applicable. cheques are acceptable but must include a reference to your name on the front e.g. payee: Cofunds Limited Make (ref: your your cheque name). payable to Cofunds Limited. Please do not make your cheque payable to Elson Complete Associates your Nominated as we cannot Bank handle Details client if you money. wish to receive income payments. If you Building wish to Society invest on cheques a monthly are acceptable basis, please but complete must include the Direct a reference Debit form. to your You name must on also the include front e.g. a cheque payee: to cover Cofunds your first Limited monthly (ref: payment. your name). Please Complete state in section your Nominated 6 how much Bank you Details wish if to you invest wish and to if receive you require income income payments. (INC) or accumulation (ACC) shares. Please read, sign and date the Declaration and Authorisation (Section 9). If you wish to invest on a monthly basis, please complete the Direct Debit form on page 15. You must also include a cheque to cover your first monthly payment. Transferring an ISA Please state in the Investment Selection section how much you wish to invest and if you require income To transfer (INC) or an accumulation ISA please complete (ACC) shares. the Investment ISA (Stocks and Shares) Transfer Application and ISA Transfer Authority. Please read, sign and date the Declaration and Authorisation. Please make sure you have completed your personal details correctly. How Complete to transfer your Nominated Bank Details if you wish to receive income payments. For the purpose of verifying the bank To account transfer please an ISA enclose please a complete void signed the cheque. Investment ISA Transfer form on pages 9 & 10 and the ISA Transfer Please Authority state in form section on 5 page how 11. much you wish to invest and if you require income (INC) or accumulation (ACC) shares. Please Please read, make sign and sure date you have the Declaration completed and your Authorisation personal details (Section correctly. 7). Please also complete and sign the ISA Transfer Authority. If you wish to transfer a Stocks and Shares ISA holding Complete your Nominated Bank Details if you wish to receive income payments. For the purpose of verifying please complete Section 2 and include the account number of the ISA you are transferring. If it is a Cash ISA you are the bank account please enclose a void signed cheque. transferring please complete Section 3. Only Please complete read, Section sign and 4 (along date the with Declaration Section 2 or and 3) Authorisation if your ISA was (Section taken out 6). this tax year i.e. if contributions have been Please made also since complete 6th April and sign the ISA Transfer Authority. If you wish to transfer a Stocks and Shares ISA holding please complete Section 2 and include the account number of the ISA you are transferring. If it is a Investing directly Cash in ISA the you fund are transferring (non ISA) please complete Section 3. Please state in section 4 the percentage of each fund you wish to invest in and if you require income (INC) If you or wish accumulation to invest in (ACC) the fund shares. outside of an ISA, please complete the enclosed Investment Funds Application Form. Make Only your complete cheque payable Section to 4 (along Cofunds with Limited. Section 2 Please or 3) if do your not ISA make was your taken cheque out this payable tax year to Elson i.e. if Associates as we cannot contributions handle client have money. been made since 6th April Building Society cheques are acceptable but must include a reference to your name on the front e.g. payee: Cofunds Limited (ref: your name). Two Complete copies of your Service Nominated Fee Agreement Bank Details are if you enclosed wish within to receive this income booklet payments. (pages 16 & 17). Please complete and If return you wish one to copy invest to on us a with monthly your basis, completed please application(s) complete the and Direct cheque Debit (if form. applicable) You must to us also in include the FREEPOST a cheque to envelope cover your provided. first monthly The client payment. copy is for your retention. Please state in section 9 how much you wish to invest and if you require income (INC) or accumulation (ACC) shares. Please read, sign and date the Declaration and Authorisation (Section 12) if the application is in joint names, all holders must sign and date the application. Two copies of our Service Fee Agreement are enclosed. If you have not already signed a Fee Agreement please complete and return one copy to us with your completed application(s) and cheque (if applicable) to us in the FREEPOST envelope provided. The client copy is for your retention. If you are in any doubt whether you have already signed a Fee Agreement please call us on

6 CF Woodford Equity Income Fund factsheet 31 January 2015 Fund overview Fund Manager Neil Woodford Inception 2 June 2014 Benchmark FTSE All Share Fund Size (GBP) 4.70bn XD Dates 31 March 30 June 30 September 31 December Status UCITS (UK) Pricing Daily (12 noon) Prices A Acc p A Inc p C Acc p C Inc p X Acc p X Inc p Z Acc p Z Inc p Geographical allocation Country (%) United Kingdom United States 8.10 Switzerland 3.17 France 2.05 Ireland woodfordfunds.com Top 10 holdings Name Sector (%) Weight AstraZeneca Health Care 7.76 Imperial Tobacco Consumer Goods 6.80 British American Tobacco Consumer Goods 6.45 GlaxoSmithKline Health Care 6.30 BT Telecommunications 5.08 Capita Industrials 3.96 Reynolds American Consumer Goods 3.25 BAE Systems Industrials 3.23 Roche Health Care 3.17 Allied Minds Financials 2.93 Total Sector allocation Sector Fund Benchmark Health Care Industrials Consumer Goods Financials Utilities Telecommunications Consumer Services Technology Basic Materials Oil & Gas Cash Total Source: Capita / Northern Trust / Woodford Investment Management What are the risks? The value of the fund and the income from it may go down as well as up, so you may get back less than you invested. Past performance is not a guide to future returns. The annual management charge is charged to capital, so the income of the fund may be higher but capital growth may be restricted or capital may be eroded. Important information: We do not give investment advice so you will need to decide if an investment is suitable for you. Before investing in a fund, please read the Key Investor Information Document and Prospectus, and our Terms and Conditions. If you are unsure whether to invest, you should contact a financial adviser. Care is taken in ensuring this is accurate as at the stated date. However, this is not guaranteed, and the portfolio may change at any time. This does not constitute investment advice or any recommendation with regard to the listed stocks. Woodford Investment Management LLP is authorised and regulated by the Financial Conduct Authority. Woodford Investment Management LLP is authorised and regulated by the Financial Conduct Authority. The registered office is 9400 Garsington Road, Oxford OX4 2HN. 6

7 Investment ISA application form DUAL TAX YEAR 2014/15 & 2015/16 Self-directed, Explicit Pricing The disclosure documentation applicable to this transaction is: S D E Marketing Key: WEB0315 This form is to be used for Self-directed Explicit Pricing clients only. For Key Features of the Cofunds platform and/or Key Investor Information Documents please visit or telephone us for a copy. The ISA allowance is 15,000 for the 2014/15 tax year and 15,240 for the 2015/16 tax year. Please complete this Application Form using black ink and BLOCK CAPITALS and return to: Elson Associates plc, 5 Queen Street, Kings Hill, West Malling, Kent, ME19 4DA Cofunds Authorisation Code Personal Details (Please complete this section in full) Existing Cofunds Client Reference Current permanent residential address I have not received advice from a financial adviser in relation to this investment. Mr/Mrs/Ms/Miss/Other Surname Full first name(s) If at current address for less than two years, please supply previous address and time there Daytime telephone number Male Female Date of Birth / / D D M M Y Y Y Y National Insurance Number / / / / _ If you do NOT have a National Insurance Number, please tick here. If more than one previous address in the last two years, please provide full details including the time at each address on a separate sheet of paper and staple securely to this application form. Please read the following sentence and confirm by ticking the box if applicable. I confirm that I am solely UK resident for tax purposes and not a US citizen. If you can t confirm and tick the box, please complete the Individual FATCA Self-Certification form that can be issued to you by Elson Associates. 2 Segmentation (For intermediary use only) Please enter the name of the segment in full using BLOCK CAPITALS: STANDARD SELF DIRECTED 3 Funding Your Investment If you are investing in both tax years, please include two separate cheques. For 2015/16 tax year, your cheque should be dated 6 April 2015 or later. I will be funding my investment by (tick all that apply): Cheque payment Cheques must either be drawn on your own account or joint account. Cheque. Amount Please make your cheque payable to Cofunds Limited. For a Building Society cheque or banker s draft your name must appear on the front Cofunds Cash Account. Amount of the cheque, or on the back of the cheque accompanied by the Building Society s or bank s official stamp and signature. Monthly Direct Debit (please ensure you complete the Investment by Direct Debit instruction) 4 Nominated Bank Account Complete this section if you have not provided us with your nominated bank account details. You can only have one nominated bank account at any given time. If you are paying by cheque then no action is required. For all other funding options you can send a void signed cheque or a bank statement issued within the last three months with this application. If you are an existing customer, only complete this section if you would like to change your nominated bank account details. Any change to your nominated bank account will not be applied to your regular monthly investments. Branch Sort Code Bank/Building Society Account Number Name of Account Holder Bank Name Building Society Roll Number 5 Income Complete this section if you have requested income units/shares ( INC ). The option you choose will be applied to all income units/shares you hold within this product. If you have selected the option to Retain in fund this will only be applied to the commission-free share classes you hold, any commission-included share classes you hold will continue to pay income in accordance with your previous instruction. Consolidated Monthly Income Income generated from your investment funds will be consolidated into your cash account and paid to your nominated bank account on a monthly basis. If you do not tick one of these boxes we will select the Retain in the fund option by default. Cofunds Cash Account Income generated will be paid into your cash account to be held on platform for withdrawals, future investment or charges. 7 Retain in the fund Income generated from this investment will be retained in the fund.

8 6 Investment Selection If you are investing in both tax years, please include two separate cheques. I wish to subscribe to an Investment ISA (stocks and shares) for the tax year 2014/15 for the amount of: and/or 2015/16 for the amount of:. I wish to invest in the funds indicated (for further details about the available funds, please refer to the Key Investor Information Documents (KIID) and/or Fund Key Features Document). Please note: your total ISA subscription for each tax year must not exceed your ISA allowance. For details, please refer to the Key Features of the Cofunds Investment ISA. Please note: if your intermediary has agreed exclusive share classes with a Fund Manager for your selected funds, we ll always invest in that exclusive share class and not the share class you ve selected below. Fund name(s) Type of unit/share (delete as appropriate)* Lump sum 2014/15 50 per fund (minimum) Lump sum 2015/16 50 per fund (minimum) CF Woodford Equity Income C Fund CASH RESERVE TOTAL INVESTMENT AMOUNT Monthly saving 50 per fund (minimum)** * If you do not specify ACC or INC in this column, and have not completed Section 5, Cofunds will invest into accumulation units/shares where available. Cash Reserve Please note: this will be included as part of your ISA allowance and not placed into your cash account. 7 Service Charge (To be completed by the intermediary) **Monthly saving For monthly savings we will automatically collect on or just after the 25th day of each month. For applications received up until the last day in any month, the first Direct Debit collection will be made on or just after the 25th day of the following month. Please complete the Direct Debit mandate on page 55. Cheque payment Cheques must either be drawn on your own account or joint account. The cheque must be made payable to Cofunds Limited. For a Building Society cheque or banker s draft your name must appear on the front of the cheque, or on the back of the cheque accompanied by the Building Society s or bank s official stamp and signature. Service Charge model name: EA 019 (MANDATORY) Annual Service Charge*: 0.19% 8 Declaration and Authorisation I declare that: All investment subscriptions made now and in the future belong to me. I am aged 18 years or over. I have not subscribed and will not subscribe to more than my overall subscription allowance in total to a Cash ISA and a Stocks and Shares ISA in the same tax year. I have not subscribed and will not subscribe to another Stocks and Shares ISA in the same tax year that I subscribe to this Stocks and Shares ISA. I am resident in the United Kingdom for tax purposes, or,if not so resident, either perform duties which, by virtue of Section 28 of Income Tax (Earnings & Pensions) Act 2003 (Crown employees serving overseas), are treated as being performed in the United Kingdom, or I am married to or in a civil partnership with a person who performs such duties. I will inform Cofunds Limited if I cease to be so resident or to perform such duties, or be married to or in a civil partnership with a person who performs such duties. I authorise Cofunds Limited to: Hold my cash subscription, ISA investments, interest, dividends and any other rights or proceeds in respect of those investments and any other cash. Make on my behalf any claims to relief from tax in respect of my ISA investments. I confirm that: I have not received investment advice from Elson Associates for this transaction. I have viewed the Terms & Conditions of the Cofunds Platform (Self-directed Explicit Pricing) and by signing this application form I agree to be bound by them. I have viewed the relevant product key features and fund specific information and/or Key Investor Information Documents (KIID) relating to my investment. I understand that there are fees (the Cofunds Platform Charges) for the use of Cofunds services. I authorise Cofunds to collect these fees from my Cofunds Cash Account. If there is insufficient money in my account, I authorise Cofunds to sell enough of my Platform Assets to pay these fees in accordance with the Our Charges section of the Terms & Conditions of the Cofunds Platform (Self-directed Explicit Pricing). I understand that the Terms & Conditions of the Cofunds Platform (Self-directed Explicit Pricing) are the standard terms upon which Cofunds intends to rely, and it is important that I read and understand the terms before agreeing to be bound by them. If there is any term or point I do not understand or do not wish to be bound by, I understand that I can request further information before signing this application. I understand that my signed application form (once accepted by Cofunds) together with the Terms & Conditions of the Cofunds Platform (Self-directed Explicit Pricing) form my customer agreement with Cofunds Limited. I understand that the commencement of my ISA may be delayed or rejected if this application form is not complete in all respects. You may undertake a search with a reference agency for the purposes of verifying my identity. To do so, the reference agency may check the details I supply against any particulars on any database (public or otherwise) to which they have access. They may also use my details in the future to assist other companies for verification purposes. A record of the search will be retained as an identity search. I declare that the information contained in this application form is correct to the best of my knowledge and belief. I understand and accept that I am entitled to cancel my application in accordance with the relevant Key Features applicable to the product I am investing in and that if I chose to cancel my application, my investment shall be subject to market movement during the period from the date when my application is processed to the date my investment is sold. *This is an annual charge taken on a monthly basis. Fund Sale Instruction If a Fund Sale Instruction applies to the segment linked to my investment, I accept and agree that funds will be sold to settle any outstanding fees and charges which have accrued prior to this date and all fees and charges payable hereafter. Data Protection Cofunds is a registered Data Controller and a fully owned subsidiary of Legal & General Group Plc. Cofunds Limited will use your information for the administration and servicing of your investments and other related activities. We may disclose your information to our agents and service providers for these purposes. We may also disclose your information to organisations for compliance with legal and regulatory requirements. With the exception of the preceding provisions, we will not pass on your information to any other third party without your permission, but we will disclose information concerning your investment to your nominated intermediary. Cofunds may transfer your information to countries outside of the EEA for the servicing of your investments. In such cases, contracts will be put in place to ensure that the service providers protect your information in accordance with the requirements of the Data Protection Act. If you require a Fund prospectus, please contact your intermediary or Fund Manager directly. If you wish to attend/vote at unit holder or shareholder meetings, please tick this box. If you wish to receive reports and accounts, you can download them free of charge at If you wish to receive paper copies of reports and accounts please speak to your Intermediary. You can also request to receive paper copies of reports and accounts by writing to us at Cofunds Limited, PO Box 1103, Chelmsford CM99 2XY. Service Charge I confirm that I have received my Fees and Charges Schedule and understand which fees and charges are applicable to my investment. I hereby instruct Cofunds to pay my intermediary the Service Charge specified in Section 7 of this form and in my Fees and Charges Schedule from my relevant payment account. Cofunds will accept authority from the primary holder only, in most circumstances. For trusts and Powers of Attorney more than one signature may be required. If I have an active Sale for Regular Payment mandate or the segment linked to my investment applies to a Fund Sale Instruction (as described in my Fees and Charges Schedule) and there is insufficient money within the relevant payment account, I authorise Cofunds to sell enough of my platform assets to pay the Service Charge in accordance with the relevant Terms and Conditions of the Cofunds Platform or Customer Agreement applicable to my investments/assets. I understand and accept that this may result in commission-included share class funds being sold to cover the Service Charge, if I have an account level SfRP instruction. If you provide your address and telephone number on this form, Elson Associates will keep a record of it. Elson Associates may use it occasionally about products and services which may be of interest to you. However, if you prefer not to receive such information you may withdraw your consent by contacting Elson Associates on Signature Date 8

9 Investment ISA transfer form Self-directed, Explicit Pricing The disclosure documentation applicable to this transaction is: S D E Marketing Key: WEB0315 This form is to be used for Self-directed Explicit Pricing clients only. Please ensure that this form is used with the correct Transfer Authority. Please note Cofunds normal business practice (and by signing this application, you agree to such practice) is to convert commission-included share classes to their commission-free share class equivalent within the same funds that are available to your intermediary on receipt of the assets from the ceding provider. If a commission-free share class is not available, we will be unable to transfer the asset to Cofunds as stock. Please complete this Application Form using black ink and BLOCK CAPITALS and return to: Elson Associates plc, 5 Queen Street, Kings Hill, West Malling, Kent, ME19 4DA Cofunds Authorisation Code Personal Details (Please complete this section in full) Existing Cofunds Client Reference Current permanent residential address I have not received advice from a financial adviser in relation to this investment. Mr/Mrs/Ms/Miss/Other Surname Full first name(s) If at current address for less than two years, please supply previous address and time there Telephone Male Female Date of Birth / / D D M M Y Y Y Y National Insurance Number / / / / _ If you do NOT have a National Insurance Number, please tick here. If more than one previous address in the last two years, please provide full details including the time at each address on a separate sheet of paper and staple securely to this application form. Please read the following sentence and confirm by ticking the box if applicable. I confirm that I am solely UK resident for tax purposes and not a US citizen. If you can t confirm and tick the box, please complete the Individual FATCA Self-Certification form that can be issued to you by Elson Associates.. 2 Segmentation (For intermediary use only) Please enter the name of the segment in full using BLOCK CAPITALS: STANDARD SELF DIRECTED 3 Nominated Bank Account Complete this section if you have not provided us with your nominated bank account details. Please note: you will need to verify this bank account before it can be used in conjunction with your Cofunds account. If you are paying by cheque then no action is required. For all other funding options you can send a void signed cheque or a bank statement issued within the last three months with this application. If you are an existing customer, only complete this section if you would like to change your nominated bank account details. Any change to your nominated bank account will not be applied to your regular monthly investments. You can only have one nominated bank account at any given time. Branch Sort Code Bank/Building Society Account Number Name of Account Holder Bank Name Building Society Roll Number 9

10 4 Income Complete this section if you have requested income units/shares ( INC ). The option you choose will be applied to all income units/shares you hold within this product. If you have selected the option to Retain in Fund this will only be applied to the commission-free share classes you hold, any commission-included share classes you hold will continue to pay income in accordance with your previous instruction. Consolidated monthly income Income generated from your investment funds will be consolidated into your cash account and paid to your nominated bank account on a monthly basis. Cofunds Cash Account Income generated will be paid into your cash account to be held on platform for withdrawals, future investment or charges. Retain in fund Income generated from this investment will be retained in the fund. If you do not already hold income units/shares within this product and you do not tick one of these boxes we will select the Retain in fund option by default. If you already hold income units/shares within this product and you do not tick one of these boxes we will apply your existing income option to all funds within this product. 5 Service Charge (To be completed by the intermediary) Service Charge model name: EA 019 (MANDATORY) Annual Service Charge*: 0.19% *This is an annual charge taken monthly. 6 Declaration and Authorisation I declare that: All investment subscriptions made now and in the future belong to me. I am aged 18 years or over. I have not subscribed and will not subscribe to more than my overall subscription allowance in total to a Cash ISA and a Stocks and Shares ISA in the same tax year. I have not subscribed and will not subscribe to another Stocks and Shares ISA in the same tax year that I subscribe to this Stocks and Shares ISA. This application is to transfer my existing ISA and, if applicable, entitles me to subscribe to a Stocks and Shares ISA in the current tax year and each subsequent year until further notice. I understand that this does not mean that I am obliged to invest with Cofunds in the following or future tax years. However, if I wish to do so, I may not be required to complete a further application form. I am resident in the United Kingdom for tax purposes, or, if not so resident, either perform duties which, by virtue of Section 28 of Income Tax (Earnings & Pensions) Act 2003 (Crown employees serving overseas), are treated as being performed in the United Kingdom, or I am married to or in a civil partnership with a person who performs such duties. I will inform Cofunds Limited if I cease to be so resident or to perform such duties, or be married to or in a civil partnership with a person who performs such duties. I authorise Cofunds Limited to: Hold my cash subscription, ISA investments, interest, dividends and any other rights or proceeds in respect of those investments and any other cash. Make on my behalf any claims to relief from tax in respect of my ISA investments. I confirm that: I confirm that I have not received investment advice from Elson Associates for this transaction. I have viewed the Terms & Conditions of the Cofunds Platform (Self-directed Explicit Pricing) and by signing this application form I agree to be bound by them. I have viewed the relevant product key features and fund specific information and/or Key Investor Information Documents (KIID) relating to my investment. A copy of the KIID can be found via the following link: Investors/Reports_and_Accounts_Investors.aspx I understand that it is Cofunds normal business practice to process my conversion following receipt of my assets from my previous Fund/Provider. The instruction to convert is then passed to the Fund/Plan Manager who will convert and confirm back to Cofunds upon completion. Cofunds upon receipt of confirmation will then reflect the changes(s) to my accounts. This process is subject to change dependent on volumes and individual Fund/Plan Manager processing procedures. I authorise Cofunds to convert on my behalf as outlined above. I understand that Cofunds will convert commission-included share class funds to their commission-free exclusive share class equivalent where available to my intermediary. I understand that Cofunds will convert commission-free share class funds to commission-free exclusive share class funds where available to my intermediary. I understand that there are fees (the Cofunds Platform Charges) for the use of Cofunds services. I authorise Cofunds to collect these fees from my Cofunds Cash Account. If there is insufficient money in my account, I authorise Cofunds to sell enough of my Platform Assets to pay these fees in accordance with the Our Charges section of the Terms & Conditions of the Cofunds Platform (Self-directed Explicit Pricing). I understand that the Terms & Conditions of the Cofunds Platform (Self-directed Explicit Pricing) are the standard terms upon which Cofunds intends to rely, and it is important that I read and understand the terms before agreeing to be bound by them. If there is any term or point I do not understand or do not wish to be bound by, I understand that I can request further information before signing this application. I understand that my signed application form (once accepted by Cofunds) together with the Terms & Conditions of the Cofunds Platform (Self-directed Explicit Pricing) form my customer agreement with Cofunds Limited. I understand that instructions may be delayed or rejected if this application form is not complete in all respects. You may undertake a search with a reference agency for the purposes of verifying my identity. To do so, the reference agency may check the details I supply against any particulars on any database (public or otherwise) to which they have access. They may also use my details in the future to assist other companies for verification purposes. A record of the search will be retained as an identity search. I declare that the information contained in this application form is correct to the best of my knowledge and belief. I understand and accept that I am entitled to cancel my application in accordance with the relevant Key Features applicable to the product I am investing in and that if I chose to cancel my application, my investment shall be subject to market movement during the period from the date when my application is processed to the date my investment is sold. Fund Sale Instruction If a Fund Sale Instruction applies to the segment linked to my investment, I accept and agree that funds will be sold to settle any outstanding fees and charges which have accrued prior to this date and all fees and charges payable hereafter. Data Protection Cofunds is a registered Data Controller and a fully owned subsidiary of Legal & General Group Plc. Cofunds Limited will use your information for the administration and servicing of your investments and other related activities. We may disclose your information to our agents and service providers for these purposes. We may also disclose your information to organisations for compliance with legal and regulatory requirements. With the exception of the preceding provisions, we will not pass on your information to any other third party without your permission, but we will disclose information concerning your investment to your nominated intermediary. Cofunds may transfer your information to countries outside of the EEA for the servicing of your investments. In such cases, contracts will be put in place to ensure that the service providers protect your information in accordance with the requirements of the Data Protection Act. If you require a Fund prospectus, please contact your intermediary or Fund Manager directly. If you wish to attend/vote at unit holder or shareholder meetings, please tick this box If you wish to receive reports and accounts, please tick this box Reports and accounts can be obtained free of charge from the Cofunds website at Service Charge I confirm that I have received my Fees and Charges Schedule and understand which fees and charges are applicable to my investment. I hereby instruct Cofunds to pay my intermediary the Service Charge specified in Section 7 of this form and in my Fees and Charges Schedule from my relevant payment account. Cofunds will accept authority from the primary holder only, in most circumstances. For trusts and Powers of Attorney more than one signature may be required. If I have an active Sale for Regular Payment mandate or the segment linked to my investment applies to a Fund Sale Instruction (please check with Elson Associates if you re not sure) and there is insufficient money within the relevant payment account, I authorise Cofunds to sell enough of my platform assets to pay the Service Charge in accordance with the relevant Terms and Conditions of the Cofunds Platform or Customer Agreement applicable to my investments/assets. I understand and accept that this may result in commission-included share class funds being sold to cover the Service Charge, if I have an account level SfRP instruction. Number of attached Transfer Authority Forms Signature Date Issued and approved by Cofunds Limited, One Coleman Street, London, EC2R 5AA. Registered in England and Wales No Authorised and regulated by the Financial Conduct Authority (FCA) under FCA Registration No CA18SDUB 02/15 10

11 ISA Transfer Authority This transfer authority should only be used for either the transfer of a Stocks and Shares ISA or a cash ISA into a Cofunds Stocks and Shares ISA. Please note that a separate authority will be required for each Plan/Account Manager. If transferring from more than one Plan/Account Manager, please request more Transfer Authority Forms from your adviser. Please ensure that you have signed both the Transfer Application Form and the Transfer Authority Form. I hereby instruct my current ISA Manager to either transfer my holdings to Cofunds Nominees Limited or liquidate the assets within my ISA with immediate effect, and forward the proceeds Existing Cofunds Client reference as specified below to my new Plan/Account Manager at Cofunds Limited, PO Box 1103, Chelmsford CM99 2XY. This transfer should include, where relevant, all former ISA and PEP investments. I confirm that the re-registration of the funds listed will not change the beneficial ownership from the current holder. I confirm that this transaction is exempt from Please complete all details requested SDRT by virtue of paragraph 6 of Schedule 19 of the Finance Act Name of Plan/Account Manager (from whom you wish to transfer) Mr/Mrs/Ms/Miss/Other Address Surname Full First Name(s) Signature Date 1 Funds that you wish to KEEP via re-registration (stock transfer) Please list all funds that you hold with the above Plan/Account Manager that you wish to retain when you transfer your investment to Cofunds. Please note that the funds you re-register will be moved into the clean share class A/C or Plan Nos. Type of Unit/Share Number Fund Name (This must be completed) (delete as appropriate)* of units 2 Funds that you wish to SELL (Stocks and shares cash transfer) Please list all funds that you hold with the above Plan/Account Manager that you wish to sell and transfer the proceeds to Cofunds. Please also complete Section 3 (if applicable) and Section 4 to tell us which funds you wish to reinvest into. Please ensure the funds you choose are available through Cofunds. Fund Name A/C or Plan Nos. (This must be completed) 3 Cash ISA Transfer If applicable, please indicate either of the following to be transferred into your Cofunds Investment ISA: All my cash ISA OR An amount of my cash ISA Is there any notice period for you to transfer your cash ISA? 4. Sort Code Days A/C or Plan Nos. (This must be completed) Transfer Investment Choices (Please refer to the fund charge schedule and complete in full) I wish to transfer the proceeds of any investments sold, outlined in Section 2 and/or 3 of the Existing Cofunds Client ref ISA Transfer Authority, into the following investments: Please ensure that the funds you choose are available through Cofunds for the ISA product. You can only choose commission-free share class funds. If you do not indicate the share class, we ll select the commission-free share class fund, where available to your intermediary. Please note: if your intermediary has agreed exclusive share classes with a Fund Manager for your selected funds, we ll always invest in that exclusive share class and not the share class you ve selected below. Please note: we re unable to allocate specific cash amounts to funds including the Cash Reserve for the transfer investment choice. Fund Name ()* Transfer % CF Woodford Equity Income C Fund Cash Reserve (if required) Total 100% * If you do not specify ACC or INC in this column, and/or have not completed Section 4 of the Transfer Application form, Cofunds will invest into accumulation units/shares where available. This will be included as part of your ISA allowance and not placed into your cash account. 11

12 Investment Funds application Marketing Key: WEB0315 The disclosure documentation applicable to this transaction is: S D E Cofunds Authorisation Code This form is to be used for Self-directed Explicit Pricing clients only. Please complete this application form using black ink in BLOCK CAPITALS and return to: Elson Associates plc, 5 Queen Street, Kings Hill, West Malling, Kent, ME19 4DA 1 Personal/Company Details (Please complete this section in full) Personal/Company Investor(s) primary holder. Please see Section 4 to add additional holders. Existing Cofunds Client Reference I have not received advice from a financial adviser in relation to this investment. Mr/Mrs/Ms/Miss/Other Current permanent residential address (if registering in the name of a company, please provide the company address here) Surname Full first name(s) or company name If at current address for less than two years, please supply previous address and time there Telephone Male Female Date of Birth / / D D M M Y Y Y Y If more than one previous address in the last two years, please provide full details including the time at each address on a separate sheet of paper and staple securely to this application form. For corporate investors please ensure you have completed all the signatory requirements in Section 10. Please read the following sentence and confirm by ticking the box if applicable. I confirm that I am solely UK resident for tax purposes and not a US citizen. If you can t confirm and tick the box, please complete the Individual FATCA Self-Certification form that can be issued to you by Elson Associates. 1A. THIRD PARTY DETAILS (PLEASE COMPLETE IF RELEVANT) Please complete this section if the person funding all or part of this investment is not the applicant listed in Section 1. A Confirmation of Verification of Identity (CVI) will also be required. Mr/Mrs/Ms/Miss/Other Surname Current permanent residential address Full first name(s) Date of Birth / / D D M M Y Y Y Y 2 Segmentation (For intermediary use only) Please enter the name of the segment in full using BLOCK CAPITALS: STANDARD SELF DIRECTED 3 Designations (You can designate an account here using a maximum of eight alphanumeric characters) If you wish to specify a unique designation for this account, please ensure that the designation reference does not make a meaningful word. Only the named applicants of this investment will be recognised as beneficial owners. If this section is not completed we will not designate this account. If you are funding this investment from a Cofunds Cash Account please ensure this designation is identical to that of the Cofunds Cash Account. 12

13 4 Joint Holders Please include the full name and address of each holder. All correspondence will be sent to the primary holder. Joint holders must have the same investment service as the primary holder. Second named holder Male Female Date of Birth / / Mr/Mrs/Ms/Miss/Other D D M M Y Y Y Y Surname If at current address for less than two years, please supply previous address and time there Full first name(s) Current permanent residential address If more than one previous address in the last two years, please provide full details including the time at each address on a separate sheet of paper and staple securely to this application form. Third named holder Mr/Mrs/Ms/Miss/Other Surname Male Female Date of Birth / / D D M M Y Y Y Y If at current address for less than two years, please supply previous address and time there Full first name(s) Current permanent residential address If more than one previous address in the last two years, please provide full details including the time at each address on a separate sheet of paper and staple securely to this application form. 5 Funding your investment I will be funding my investment by ( tick all that apply) Cheque. Cofunds Cash Account. Amount Amount Monthly Direct Debit (please ensure you complete the Investment by Direct Debit instruction on page 4) 6 Nominated Bank Account Complete this section if you have not provided us with your nominated bank account details. Please note: you will need to verify this bank account before it can be used in conjunction with your Cofunds account. If you are paying by cheque then no action is required. For all other funding options you can send a void signed cheque or a bank statement issued within the last three months with this application. If you are an existing customer, only complete this section if you would like to change your nominated bank account details. Any change to your nominated bank account will not be applied to your regular monthly investments. You can only have one nominated bank account at any given time. Name of account holder Bank or Building Society name and address Branch Sort Code Building Society Roll Number Bank/Building Society account number 7 Income Complete this section if you have requested income units/shares ( INC ). The option you choose will be applied to all income units/shares you hold within this product. Note: If you are taking regular withdrawals from your cash account you may only select the Cofunds Cash Account or Retain in fund options. If you have selected the option to Retain in fund this will only be applied to the commission-free share classes you hold, any commission-included share classes you hold will continue to pay income in accordance with your previous instruction. Consolidated monthly income Income generated from your investment funds will be consolidated into your cash account and paid to your nominated bank account on a monthly basis. Cofunds Cash Account Income generated will be paid into your cash account to be held on platform for withdrawals, future investment or charges. Retain in fund Income generated from this investment will be retained in the fund. If you do not already hold income units/shares within this product and you do not tick one of these boxes we will select the Retain in fund option by default. If you already hold income units/shares within this product and you do not tick one of these boxes we will apply your existing income option to all funds within this product. 13

14 8 Investment Selection Minimum investment 50 per fund (lump sum) or 50 per month per fund (monthly savings). For further details about the available funds, please refer to the Key Investor Information Documents (KIID) and/or Fund Key Features Document. Please ensure the funds are available through Cofunds. You can only choose commission-free share class funds. If you do not indicate the share class, we ll select the commission-free share class fund, where available. Please note: if your intermediary has agreed exclusive share classes with a fund manager for your selected funds, we ll always invest in that exclusive share class and not the share class you ve selected below. Fund name Type of unit/share (delete as appropriate)* Lump sum 50 per fund (minimum) CF Woodford Equity Income C Fund New monthly saving 50 per fund (minimum)** TOTAL INVESTMENT AMOUNT * If you do not specify ACC or INC in this column, and have not completed Section 7, Cofunds will invest into accumulation units/shares where available. Cheque payment Cheques must either be drawn on your own account, joint account or the account of the person detailed in Section 1A (third party details). The cheque must be made payable to Cofunds Limited. For a Building Society cheque or banker s draft your name must appear on the front of the cheque, or on the back of the cheque accompanied by the Building Society s or Bank s official stamp and signature. For other methods of funding your investment please see Section 5. ** New monthly saving For monthly savings we will automatically collect on or just after the 25th day of each month. For applications received up until the last day in any month, the first Direct Debit collection will be made on or just after the 25th day of the following month. 9 Service Charge (To be completed by the intermediary) Service Charge model name: EA 019 (MANDATORY) Annual Service Charge*: 0.19% *This is an annual charge taken on a monthly basis. 10 Declaration and Authorisation I confirm that: I have not received investment advice from Elson Associates for this transaction. I have viewed the Terms & Conditions of the Cofunds Platform (Self-directed Explicit Pricing) and by signing this application form I agree to be bound by them. I have viewed the relevant product key features and fund specific information and/or Key Investor Information Documents (KIID) relating to my investment. A copy of the KIID can be found via the following link: I understand that there are fees (the Cofunds Platform Charges) for the use of Cofunds services. I authorise Cofunds to collect these fees from my Cofunds Cash Account. If there is insufficient money in my account, I authorise Cofunds to sell enough of my Platform Assets to pay these fees in accordance with the Our Charges section of the Terms & Conditions of the Cofunds Platform (Self-directed Explicit Pricing). I understand that the Terms & Conditions of the Cofunds Platform (Self-directed Explicit Pricing ) are the standard terms upon which Cofunds intends to rely, and it is important that I read and understand the terms before agreeing to be bound by them. If there is any term or point I do not understand or do not wish to be bound by, I understand that I can request further information before signing this application. I understand that my signed application form (once accepted by Cofunds) together with the Terms & Conditions of the Cofunds Platform (Self-directed Explicit Pricing) form my customer agreement with Cofunds Limited. I understand that instructions may be delayed or rejected if this application form is not complete in all respects. You may undertake a search with a reference agency for the purposes of verifying my identity. To do so, the reference agency may check the details I supply against any particulars on any database (public or otherwise) to which they have access. They may also use my details in the future to assist other companies for verification purposes. A record of the search will be retained as an identity search. I declare that the information contained in this application form is correct to the best of my knowledge and belief. I am aged 18 or over. I understand and accept that I am entitled to cancel my application in accordance with the relevant Key Features applicable to the product I am investing in and that if I chose to cancel my application, my investment shall be subject to market movement during the period from the date when my application is processed to the date my investment is sold. Data Protection Cofunds is a registered Data Controller and a fully owned subsidiary of Legal & General Group Plc. Cofunds Limited will use your information for the administration and servicing of your investments and all other related activities. We may disclose your information to our agents and service providers for these purposes. We may also disclose your information to organisations for compliance with legal and regulatory requirements. With the exception of the above provisions, we will not pass on your details to any other third party without your permission, but we will disclose information concerning your investment to your nominated intermediary. Cofunds may transfer your information to countries outside the EEA for the servicing of your investments. In such cases, contracts will be put in place to ensure that the service providers protect your information in accordance with the requirements of the Data Protection Act. If you require a fund prospectus, please contact your intermediary or Fund Manager directly. Service Charge I confirm that I have received my Fees and Charges Schedule and understand which fees and charges are applicable to my investment. I hereby instruct Cofunds to pay my intermediary the Service Charge specified in Section 9 of this form and in my Fees and Charges Schedule from my relevant payment account. Cofunds will accept authority from the primary holder only, in most circumstances. For trusts and Powers of Attorney more than one signature may be required. If I have an active Sale for Regular Payment mandate or the segment linked to my investment applies to a Fund Sale Instruction (please check with Elson Associates if you re not sure) and there is insufficient money within the relevant payment account, I authorise Cofunds to sell enough of my platform assets to pay the Service Charge in accordance with the relevant Terms and Conditions of the Cofunds Platform or Customer Agreement applicable to my investments/assets. Primary holder signature Capacity (if applicable) Date Fund Sale Instruction If a Fund Sale Instruction applies to the segment linked to my investment, I accept and agree that funds will be sold to settle any outstanding fees and charges which have accrued prior to this date and all fees and charges payable hereafter. Please note that all joint holders must sign this application Where there are two signatories for a corporate investor, please delete reference to primary and second holder. Second holder signature Capacity (if applicable) Third holder signature Capacity (if applicable) Date Date If you are completing this as a company you must include a copy of the Articles of Association. Issued and approved by Cofunds Limited, One Coleman Street, London, EC2R 5AA. Registered in England and Wales No Authorised and regulated by the Financial Conduct Authority (FCA) under FCA Registration No CA03SDUB 02/15 14

15 Investment by Direct Debit Instruction to your Bank or Building Society to pay Direct Debits Service User No Name and full postal address of your Bank or Building Society Reference Number To the Manager Bank or Building Society Address For Cofunds LTD official use only This is not part of the instruction to your bank or building society. Name(s) of Account Holder(s) Bank/Building Society Account Number Instruction to your Bank or Building Society Please pay Cofunds Limited Direct Debits from the account detailed in this instruction subject to the safeguards assured by the Direct Debit Guarantee. I understand that this instruction may remain with Cofunds Limited and, if so, details will be passed on electronically to my Bank/Building Society. Branch Sort Code Banks and Building Societies may not accept Direct Debit instructions from some types of account. Signature Date This Guarantee should be detached and retained by the payer. The Direct Debit Guarantee This Guarantee is offered by all Banks and Building Societies that accept instructions to pay Direct Debits If there are any changes to the amount, date or frequency of your Direct Debit Cofunds Ltd will notify you five working days in advance of your account being debited or as otherwise agreed. If you request Cofunds Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request If an error is made in the payment of your Direct Debit, by Cofunds Ltd or your Bank or Building Society, you are entitled to a full and immediate refund of the amount paid from your Bank or Building Society - If you receive a refund you are not entitled to, you must pay it back when Cofunds Ltd asks you to You can cancel a Direct Debit at any time by simply contacting your Bank or Building Society. Written confirmation may be required. Please also notify us. 15

16 Service Fee Agreement - Cofunds Platform Investors This form will be retained by Elson Associates and kept as a record of the agreement with you. This is a record of both the fee agreed and your authority for Elson Associates to sell funds on your behalf. Once completed, we can set up a fee agreement with Cofunds. We act as an intermediary between investors and investment providers to arrange investments on a non-advised basis. Our service fee covers all aspects of our service to you in relation to your Cofunds investments including but not restricted to: six-monthly fund monitoring and consolidated valuation reports online services including fund research tools, a portfolio scanner and an online account facility offering one view of all your investments, their valuations and performance updated on a daily basis administration support including the processing of any new Cofunds investments (online and paper applications), re-registration of investments, telephone assistance and generally acting as a point of contact for all your Cofunds enquiries With effect from 6 April 2014, the ongoing Annual Management Charge (AMC) on all new platform investments into an ISA or investment fund account will solely reflect the fund manager s charges and will not include any other fees, for example, the Platform Service Fee or broker commission (and will typically be 0.75% p.a.). Such fund structures are known as clean share class funds and only this type of share class will be available from 6 April 2014 within platforms like Cofunds. By 5 April 2016, all existing platform (but not direct) investments must also be converted to this basis. 0.19% - our new low annual service fee for Cofunds investors That s just 19 each year on a portfolio value of 10,000. As our ongoing fee is based on a percentage of the value of your fund(s) it will increase or decrease as your fund(s) grow or fall in value. Consequently, in the absence of commission payments on the new style clean share class investments, we will charge a service fee instead. We will not charge an initial fee, but an ongoing service fee of 0.19% per annum of the value of your investments held under the Cofunds platform. Our service fee is only payable on investments in respect of which we do not receive commission and is separate and in addition to Cofunds own service charges which are detailed in the Terms and Conditions of the Cofunds Platform (the only exception being that a reduced platform fee of 0.23% for investments between 0 and 500,000 applies to clients of Elson Associates). Once the Service Fee Agreement is implemented, it will apply to any new investments you make through us using the Cofunds platform. It will also apply to your existing Cofunds investments held through us, but only when they have been converted to clean share classes. How service fees are collected Service fees are payable by unit deduction each month and taken from your largest holding. If you don t want Cofunds to sell units/shares to pay the service fees, you need to make sure that you keep enough money in your cash account to cover them. If this is your preferred option, please contact us for further information. Declaration I agree to pay Elson Associates a service fee of 0.19% per annum of the value of my investments in respect of which Elson Associates does not receive commission and in accordance with Cofunds Client Terms and Conditions. For the purpose of paying these fees I authorise and instruct Cofunds to sell units/shares from the fund nominated by me or deduct monies from my cash account or redeem units/shares from my largest fund holding. I understand that Cofunds will receive the money from such sale, deduction or redemption as agent for Elson Associates, and that such money will become irrevocably due and payable to Elson Associates on receipt by Cofunds, to satisfy their Service Fees. Cofunds will hold this money in a corporate account as agent of Elson Associates until payment is made. I understand that my liability to Elson Associates in relation to the fee will be discharged on receipt of the fee money by Cofunds as Elson Associates agent. Redemptions from my investments for ongoing fees will normally be made monthly. I also understand that selling units to pay for fees will reduce the value of my investment(s) and may result in a liability to pay capital gains tax. Where units/shares are to be sold in the name of more than one person, I confirm that I have sought and obtained the consent of all persons to this agreement. This Service Fee Agreement will remain in force until cancelled by me or Elson Associates in writing. Name...Client No.... Signed...Date... Elson Associates plc 5 Queen Street Kings Hill West Malling Kent ME19 4DA T F E W elsonassociates.com Authorised and Regulated by the Financial Conduct Authority Registered in England No

17 Client copy - please keep Service Fee Agreement - Cofunds Platform Investors This form will be retained by Elson Associates and kept as a record of the agreement with you. This is a record of both the fee agreed and your authority for Elson Associates to sell funds on your behalf. Once completed, we can set up a fee agreement with Cofunds. We act as an intermediary between investors and investment providers to arrange investments on a non-advised basis. Our service fee covers all aspects of our service to you in relation to your Cofunds investments including but not restricted to: six-monthly fund monitoring and consolidated valuation reports online services including fund research tools, a portfolio scanner and an online account facility offering one view of all your investments, their valuations and performance updated on a daily basis administration support including the processing of any new Cofunds investments (online and paper applications), re-registration of investments, telephone assistance and generally acting as a point of contact for all your Cofunds enquiries With effect from 6 April 2014, the ongoing Annual Management Charge (AMC) on all new platform investments into an ISA or investment fund account will solely reflect the fund manager s charges and will not include any other fees, for example, the Platform Service Fee or broker commission (and will typically be 0.75% p.a.). Such fund structures are known as clean share class funds and only this type of share class will be available from 6 April 2014 within platforms like Cofunds. By 5 April 2016, all existing platform (but not direct) investments must also be converted to this basis. 0.19% - our new low annual service fee for Cofunds investors That s just 19 each year on a portfolio value of 10,000. As our ongoing fee is based on a percentage of the value of your fund(s) it will increase or decrease as your fund(s) grow or fall in value. Consequently, in the absence of commission payments on the new style clean share class investments, we will charge a service fee instead. We will not charge an initial fee, but an ongoing service fee of 0.19% per annum of the value of your investments held under the Cofunds platform. Our service fee is only payable on investments in respect of which we do not receive commission and is separate and in addition to Cofunds own service charges which are detailed in the Terms and Conditions of the Cofunds Platform (the only exception being that a reduced platform fee of 0.23% for investments between 0 and 500,000 applies to clients of Elson Associates). Once the Service Fee Agreement is implemented, it will apply to any new investments you make through us using the Cofunds platform. It will also apply to your existing Cofunds investments held through us, but only when they have been converted to clean share classes. How service fees are collected Service fees are payable by unit deduction each month and taken from your largest holding. If you don t want Cofunds to sell units/shares to pay the service fees, you need to make sure that you keep enough money in your cash account to cover them. If this is your preferred option, please contact us for further information. Declaration I agree to pay Elson Associates a service fee of 0.19% per annum of the value of my investments in respect of which Elson Associates does not receive commission and in accordance with Cofunds Client Terms and Conditions. For the purpose of paying these fees I authorise and instruct Cofunds to sell units/shares from the fund nominated by me or deduct monies from my cash account or redeem units/shares from my largest fund holding. I understand that Cofunds will receive the money from such sale, deduction or redemption as agent for Elson Associates, and that such money will become irrevocably due and payable to Elson Associates on receipt by Cofunds, to satisfy their Service Fees. Cofunds will hold this money in a corporate account as agent of Elson Associates until payment is made. I understand that my liability to Elson Associates in relation to the fee will be discharged on receipt of the fee money by Cofunds as Elson Associates agent. Redemptions from my investments for ongoing fees will normally be made monthly. I also understand that selling units to pay for fees will reduce the value of my investment(s) and may result in a liability to pay capital gains tax. Where units/shares are to be sold in the name of more than one person, I confirm that I have sought and obtained the consent of all persons to this agreement. This Service Fee Agreement will remain in force until cancelled by me or Elson Associates in writing. Name...Client No.... Signed...Date... Elson Associates plc 5 Queen Street Kings Hill West Malling Kent ME19 4DA T F E W elsonassociates.com Authorised and Regulated by the Financial Conduct Authority Registered in England No

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