2 Cotets Whose products do we offer 2 Ivestmet 2 Isurace 2 Mortgages 2 Which services will we provide you with? 3 Ivestmet 3 Isurace 3 Mortgages 3 What will you have to pay us for our services? 3 3a Ivestmet 3 3b Isurace 7 3c Mortgages 7 3d Payig for our No Advice Services 7 Who regulates us? 8 Loas ad owership 8 What to do if you have a complait 8 Are we covered by the Fiacial Services Compesatio Scheme (FSCS)? 8 Terms of Busiess 9 Customer Declaratio 11
3 ECCLESIASTICAL FINANCIAL ADVISORY SERVICES ABOUT OUR SERVICES AND COSTS 3 You eed to read this importat documet. It explais the service you are beig offered ad how you will pay for it. Use this iformatio to decide if our services are right for you. 1. Whose products do we offer? Ivestmet Please refer to Sectio 2 of this documet. Isurace 3 We offer products from a rage of isurers for life isurace, critical illess cover, icome protectio isurace, serious illess cover, mortgage protectio ad whole of life cover. We oly offer products from a limited umber of isurers for life isurace, critical illess cover, icome protectio isurace, serious illess cover, mortgage protectio ad whole of life cover. We oly offer products from a sigle isurer. Mortgages 3 We offer products i the followig relevat markets: Regulated mortgage cotracts that are used for a o-busiess purpose We offer a comprehesive rage of mortgages from across the market, but ot deals that you ca oly obtai by goig direct to a leder. 2. Which services ca we provide you with? Our mai service is to provide advice to all cliets ad we recommed you take fiacial advice. However, if you do ot wat advice we also offer to arrage products o your istructios as detailed below. Ivestmet 3 Idepedet advice - We will advise ad make a recommedatio for you after we have assessed your eeds. Our recommedatio will be based o a comprehesive ad fair aalysis of the market. Restricted advice We will advise ad make a recommedatio for you after we have assessed your eeds, but we oly offer advice o limited types of products, or products from oe compay or a limited umber of compaies. 3 No advice You will ot receive advice or a recommedatio from us. We strogly recommed that cliets seek advice before makig ivestmet decisios. However, for customers who decide they do ot wat advice, if you kow the products ad providers we will make ivestmet arragemets o your behalf. If you wat to make a ivestmet without advice ad do ot specify a product or provider, we will sed you details of the Ecclesiastical Ivestmet Maagemet Limited fud ad product rage. If you do ot kow which pesio arragemet you require we will sed you details of the AVIVA Stakeholder Pesio ad applicable fud rage. Isurace 3 Advice - We will advise ad make a recommedatio for you after we have assessed your eeds for life isurace, critical illess cover, icome protectio isurace, serious illess cover, mortgage protectio ad whole of life cover. OR 3 No advice You will ot receive advice or a recommedatio from us for life isurace, critical illess cover, icome protectio isurace, serious illess cover, mortgage protectio ad whole of life cover. We strogly recommed that cliets seek advice before makig isurace related decisios. However for customers who decide they do ot wat to take advice, if you kow the products ad providers you wat to isure with, we will make arragemets o your behalf. Where you do ot, we may ask some questios to arrow dow the selectio of products that we will provide details o. You will the eed to make your ow choice about how to proceed. We will eter the aswers ito a proprietary quote system which provides a fair aalysis of the product providers available i the relevat market; we will the iform you about the product with the lowest premium to meet the eeds you have stated are importat to you. You will the eed to make your ow choice about how to proceed.
4 4 ABOUT OUR SERVICES AND COSTS ECCLESIASTICAL FINANCIAL ADVISORY SERVICES Mortgages 3 We offer a advised mortgage service This meas we will provide advice ad make a recommedatio for you after we have assessed your specific eeds ad circumstaces Note: We do ot offer a o-advised or executio oly mortgage service.. 3. What will you have to pay us for our services? (This sectio is split ito 4 parts coverig Advised Ivestmet, Isurace ad Mortgages ad No Advice services.) 3a. Ivestmet You will pay for our advice services o the basis of a agreed adviser charge (a fee). For our No Advice service you will pay by commissio (through product charges). We will discuss your paymet optios with you ad aswer ay questios you have. We will ot charge you util we have agreed with you how we are to be paid. Our charges will be cofirmed i a Services ad Paymet Agreemet that you will sig. VAT - All fee amouts quoted below are exclusive of VAT, expeses ad disbursemets; these will be added to the ivoice if applicable. 3b. Advised services Whether you buy a product or ot, you will pay us a fee for our advice ad services, which will become payable i full o completio of our work. For our advised services, you will pay us via a adviser charge (a fee). Iitial advice service Our iitial advice will be appropriate for you, based o your requiremets ad circumstaces at that time. We will ot esure that our iitial advice remais suitable for you at a later date, uless you elect to receive ogoig services from us. Ogoig services I additio to our iitial advice services, you could ask us to udertake further services o a ogoig basis. Details of ay ogoig services that we offer are detailed later withi this documet. Our typical adviser charges are oted below. The exact amout may be more or less tha this, but will be specifically agreed with you based o the work you ask us to do for you. We will cofirm the iitial adviser charges ad ogoig service charges i writig withi our separate Services ad Paymet Agreemet, before providig our services to you. If we do ot agree a fixed adviser charge with you at outset, you may ask us for a estimate of how much i total we might charge for ay service(s) provided. You may also ask us ot to exceed a give amout without checkig with you first. Advised service charges Paymet for iitial advice services Before we provide ay services to you, we will have a itroductory discussio to explai who we are, how we are paid ad agree if we ca help you. We will ot make a charge for this. After this we will charge you. Our charge optios are detailed below, they are based o hourly rates, a percetage of the amout ivested or a agreed fixed moetary amout based o the time spet o the work udertake ad takig ito accout the degree of experiece ad skill ivolved as well as the complexity of your situatio. We will cofirm the actual rate we will charge i writig before begiig work. Our typical charges are: Hourly rate fees Fiacial Adviser 150 Paraplaer 100 Admiistrator 50 We reserve the right to charge for travel at our ormal hourly rate.
5 ECCLESIASTICAL FINANCIAL ADVISORY SERVICES ABOUT OUR SERVICES AND COSTS 5 Percetage rate fees Activity applicable to all service levels Review of existig ivestmet portfolio ad recommedatios ad/or ivestmet of ew moey icludig implemetatio Review of pesio arragemets ad recommedatios icludig implemetatio Iitial fee Up to 3% of fuds reviewed* Up to 3% of fuds reviewed* For example; for a ivestmet of 100,000 our percetage charge would be 3,000. * See miimum charges for ivestmet ad pesio work below Fixed fee A mutually agreed, maximum amout that we will ot exceed without your agreemet. Typically this will be based o the aticipated umber of hours to be worked or a percetage amout ot exceedig that detailed above ad will be subject to our miimum charges detailed below. We may also work o this basis by agreeig a fixed fee for our advice services ad separate implemetatio amout if you decide to proceed with our recommedatios. The implemetatio percetage will ot exceed the above percetage amouts. Typical time spet o hourly paid work is: Spedig time with you gatherig iformatio ad fact fidig about your circumstaces, your objectives, fiacial goals ad existig arragemets where applicable 2 hours 300 Researchig suitable products, providers ad advice issues 3 hours 300 Preparig reports 3 hours 400 Givig advice 3 hours 450 Arragig plas ad admiistratio 2 hours 100 Total 1,550 You may ask us for a estimate of how much i total we might charge. You may also ask us ot to exceed a give amout without checkig with you first. Miimum charges for ivestmet ad pesio work (icludig regular cotributios) If you would like us to carry out a review of your fiacial circumstaces ad provide a report with recommedatios your adviser will agree the actual amout you will pay for the services provided at the outset. The actual miimum fee payable will deped o the level of service you agree with your adviser ad the amout of work udertake o your behalf. A miimum fee is payable regardless of whether or ot you choose the hourly, fixed amout or percetage rate basis of paymet. There may be additioal charges for implemetatio of our recommedatios ad for providig a ogoig review, which we will agree with you before proceedig. Please ote: The agreed miimum fee is also payable if you decide ot to proceed with our recommedatios. Miimum charge for Advised Ivestmet Services is 457 (the equivalet to 3% of a maximum cotributio to a ivestmet ISA). Miimum charge for our Retiremet Plaig Advice is 1500* The above figures are our stadard miimum charge for advice work icludig regular savig. The actual miimum fee payable will deped o the level of service you agree with your adviser ad the amout of work udertake o your behalf ad will be cofirmed o our Services ad Paymet Agreemet. * This charge reflects the level of complexity ad time ivolved with advisig o at retiremet plaig. Your paymet optios Settlig your adviser charge i a sigle paymet Whether you buy a product or ot, you will pay us a adviser charge for our advice ad services that will become payable o completio of our work. You will be required to settle the paymet of your adviser charge o ivoice o completio of our work withi 14 days. We accept cheques. We do ot accept paymet by cash. Alteratively, it may be possible for the paymet to be facilitated by the isurace compay or ivestmet provider. This meas that with your agreemet the isurace compay or ivestmet provider will deduct our agreed adviser charge from your ivestmet ad pay it to us o your behalf. If you choose this method of settlemet less moey will be ivested i your pla.
6 6 ABOUT OUR SERVICES AND COSTS ECCLESIASTICAL FINANCIAL ADVISORY SERVICES AND / OR Settlig your adviser charge by istalmets This optio is oly available if we recommed regular premium products. Payig by istalmets through your recommeded product If you buy a fiacial product, you ca choose to have your adviser charge deducted from the product through istalmets. Although you pay othig to us up frot, that does ot mea that our service is free. You still pay us idirectly through deductios from the amout you pay ito your product. These deductios will pay towards settlig the adviser charge. These deductios will reduce the amout left for ivestmet. How your paymet pla works: Total mothly premium payable 250 Total cost of advice 1,200 Mothly paymet for advice 100 Legth of repaymet period 12 moths Split Ivested: of mothly 150paymet i the first year: Advice: 100 If you choose to pay for the advice you receive through istalmets, these istalmets will be deducted from the premium you pay each moth ad allocated towards settlig the adviser charge. For example, the total cost of advice is 1,200 you have bee recommeded a regular premium product ito which 250 will be paid each moth. 100 will be take from this amout to pay off your adviser charge over 12 moths. The remaiig 150 will be ivested durig this time. At the ed of this period the adviser charge would have bee settled i full. From moth 13 the full 250 will be ivested. Keepig up with your paymets If you choose to pay for the iitial advice you receive via istalmets, the full amout of the adviser charge will eed to be paid irrespective of whether: the recommeded product(s) is /are cacelled before the full amout is paid; ad/or you subsequetly decide to trasfer your busiess to aother firm / fiacial adviser Ay outstadig amouts, as at the date of cacellig the recommeded product / trasferrig to aother firm or adviser, will be due to be paid i full withi 14 days of the termiatio / trasfer date. A ivoice will be raised for the full outstadig amout. Ogoig service charges for ivestmet & pesio busiess If agreed with your adviser we will provide a ogoig review service. These services might ivolve some or all of the followig: Ogoig meetigs or telephoe discussios Reportig Ivestmet maagemet Cotact Admiistratio Other services More details of our ogoig services will be provided separately (see our Services Summary). Alteratively, it is possible to agree to a review o a as eeded basis for which the charge will be agreed at the time you request the review. A charge is payable for our ogoig services as described below. This charge relates to the ogoig admiistratio ad review of ay plas, ivestmets or policies arraged by us o your behalf. If ay ew work is udertake or you ask us to review fiacial products ot origially arraged by us a separate charge will be agreed before we commece work. Aual (or more frequet) service level Ogoig review ad admiistratio of plas arraged by us o-goig aual fee Up to 1% per aum of lump sum fuds ivested
7 ECCLESIASTICAL FINANCIAL ADVISORY SERVICES ABOUT OUR SERVICES AND COSTS 7 For example; if you have 100,000 ivested ad the ogoig charge is 0.5% the the aual amout paid to EFAS will be 500. The actual amout will vary depedig o the fud value. For regular cotributios our ogoig service charge might be 1% of each cotributio so mothly cotributios of 250 would mea a paymet of 2.50 to EFAS every moth. The actual charge for ogoig services will be agreed before we commece ay services ad will be cofirmed i our Services ad Paymets Agreemet. Settlig your o-goig service charge It is possible to arrage for the charge to be deducted from your ivestmets ad paid to EFAS by the product provider. Or alteratively we ca ivoice you for settlemet by cheque at agreed periodic itervals. 3b. Isurace 3 A fee. A charge is made for advisig, recommedig ad arragig cotracts i respect of life isurace, critical illess cover, icome protectio isurace, serious illess cover, mortgage protectio ad whole of life cover. You will pay for our services o the basis of a fee or commissio (through product charges) or a combiatio of fee ad commissio (through product charges). We will discuss your paymet optios with you ad aswer ay questios you have. We will ot charge you util we have agreed with you how we are to be paid. The basis of the adviser chargig fee optios is idetical to those outlied above for ivestmet cotracts. If we agree that EFAS will be paid by commissio we will tell you how much the commissio will be before you decide to proceed. Examples of commissio o life assurace cotracts are as per the examples i the No Advice sectio below. No fee for providig advice ad a recommedatio. You will receive a quotatio which will tell you about the amout of commissio ad ay other fees relatig to ay particular isurace policy. 3c. Mortgages No fee. 3 A fee of 500 for arragig the mortgage payable at the outset, plus, if the mortgage loa proceeds we will also receive a commissio paymet from the mortgage provider. Typically this amout will be 0.30% of the loa amout; for example if you take out a loa of 100,000 you will pay our fee of 500 plus we will also receive a commissio of 300 (0.30% x 100,000). The actual amout will vary depedig o the amout of the mortgage loa agreed. These fees will be i additio to ay fees paid to the mortgage leder i relatio to their costs i settig up the mortgage. You will receive a key facts illustratio whe cosiderig a particular mortgage, which will tell you about ay fees relatig to it. We will also iclude details of our fees i our Services ad Paymets Agreemet that you will be asked to sig. Refud of fees If we charge you a fee for arragig the mortgage, ad your mortgage does ot go ahead, you will receive: A full refud if the leder rejects your applicatio. 3 No refud uder ay circumstaces. 3d. Payig for our No Advice services Payig by commissio (through product charges) If we arrage a No Advice fiacial product o your istructios we may receive commissio o the sale from the product provider. Although you pay othig to us up frot, that does ot mea that our service is free. You still pay us idirectly through product charges. Product charges pay for the product provider s ow costs ad ay commissio. These charges reduce the amout left for ivestmet. If you buy direct, the product charges could be the same as whe buyig through a adviser, or they could be higher or lower. The amout of commissio we receive will vary depedig o the amout you ivest ad (sometimes) how log you ivest or your age. For example: If you ivest 5,000 i a idividual savigs accout (ISA) we would receive commissio of 3% of the amout ivested ( 150) ad 0.5% of the value of the Fud (roughly 25 every year from year oe - the actual amout will vary i lie with the fud value) If you pay 100 a moth ito a persoal pesio (with a term of 25 years) the we would receive commissio of 432 iitially plus 3.60 i year oe, 7.20 i year two, ad so o - the actual amouts will vary i lie with your fud value
8 8 ABOUT OUR SERVICES AND COSTS ECCLESIASTICAL FINANCIAL ADVISORY SERVICES If you pay 100 a moth towards a whole of life policy the we would receive iitially ad 30 per year from year five Life assurace for a 35 year old male o-smoker with a sum assured of 100,000 would pay iitial commissio of ad 2.52 per year from year five Life assurace for a 35 year old female o-smoker with a sum assured of 100,000 would pay iitial commissio of ad 2.52 per year from year five We will tell you how much the commissio will be before you complete a ivestmet or purchase a life assurace pla, but you may ask for this iformatio earlier. We will also tell you if the commissio icludes ay ogoig regular paymet to us. Other beefits we may receive We arrage a rage of products from a rage of product providers; we may receive certai o-moetary beefits from these providers, which are used to ehace the quality of service we provide to you. This year we expect to receive i total 50 hours worth of traiig from some or all of these providers. Some of the cost of this traiig may be passed to you as part of the total charges you pay should you choose a product provided by oe of these providers. Other beefits we may receive iclude access to techical services, iformatio techology support or the supply of product literature. Further iformatio regardig ay of these arragemets is available o request. 4. Who regulates us? Ecclesiastical Fiacial Advisory Services, Beaufort House, Bruswick Road, Gloucester GL1 1JZ is authorised ad regulated by the Fiacial Coduct Authority. Our FCA register umber is Our permitted busiess is advisig ad arragig ivestmets, isurace ad mortgages. You ca check this o the Fiacial Services Register by visitig or by callig Our register umber is Loas ad owership Ecclesiastical Isurace Office plc ows 100% of our share capital. Ecclesiastical Isurace Office plc also ows 100% of the share capital of Ecclesiastical Ivestmet Maagemet Services Limited ad Ecclesiastical Life Limited. 6. Are we covered by the Fiacial Services Compesatio Scheme (FSCS)? We are covered by the FSCS. You may be etitled to compesatio from the scheme if we caot meet our obligatios. This depeds o the type of busiess ad the circumstaces of the claim. Ivestmet Most types of ivestmet busiess are covered up to a maximum limit of 50,000. Isurace Isurace advisig ad arragig is covered for 90% of the claim, without ay upper limit. Mortgages Mortgage advisig ad arragig is covered up to a maximum limit of 50,000. Further iformatio about compesatio scheme arragemets is available from the FSCS. 7. What to do if you have a complait If you have ay reaso to complai about the advice or service you ve received, please cotact us as soo as possible. You ca complai i writig or verbally at ay time to: Ecclesiastical Isurace Office plc Beaufort House Bruswick Road Gloucester, GL1 1JZ Tel: Fax: If you are ot satisfied with the respose please cotact the Group Compliace Officer usig the cotact details above.
9 ECCLESIASTICAL FINANCIAL ADVISORY SERVICES ABOUT OUR SERVICES AND COSTS 9 Our promise to you We will aim to resolve your complait withi oe busiess day. If this is ot possible: We will promptly ackowledge all complaits All complaits will be ivestigated diligetly ad impartially withi Ecclesiastical We will respod formally to your complait as soo as possible We will keep you iformed of the progress of the ivestigatio. If you re ot satisfied with our respose, or we have ot completed our ivestigatio after eight weeks, we ll iform you of your right to take the complait to: Fiacial Ombudsma Service, Exchage Tower, Harbour Exchage Square, Lodo, E14 9SR. Tel: Web: This complaits procedure does ot affect your right to take legal proceedigs. Terms of busiess Commecemet This Terms of Busiess will come i to force o sigature of the declaratio by the cliet. This documet sets out the basis o which we deal with you as a cliet. It is importat that you take some time to look through this documet ad esure that you uderstad the details eclosed. If you do ot uderstad ay poit please ask for further iformatio. We rely o you to provide us with all the relevat iformatio that we eed. Failure to provide accurate iformatio may affect the suitability of ay recommedatio. You should let us kow immediately of ay chage i circumstaces which might affect the advice we provide. Based o the iformatio provided we will make a recommedatio that is suitable for you after we have assessed your eeds. We will cofirm to you i writig the basis for our reaso for recommedig the trasactio i a Suitability Letter/Report. If we trasact No Advice busiess o your istructios we will cofirm our actios i writig. We will also make arragemet for all your ivestmets to be arraged i your ame uless otherwise istructed. We will forward to you all documets showig owership of your ivestmets as soo as practicable after we receive them; where a umber of documets relatig to a series of trasactios is ivolved we will ormally hold such documets util the series is complete ad the forward them to you. We may declie to act o your behalf if you fail to provide adequate iformatio for us to proceed, or other circumstaces occur which make it iappropriate for us to cotiue to act for you. Cliet classificatio I providig our services to you we have classified you as a retail customer. This classificatio affords you the highest level of protectio uder the Fiacial Coduct Authority s regulatory regime. The Fiacial Ombudsma Service (FOS) or the Fiacial Services Compesatio Scheme (FSCS) may classify you differetly. Their classificatios will deped o your idividual circumstaces ad may affect your right to complai to the FOS or claim uder the FSCS. Cliet moey EFAS does ot hadle cliet moey. We ever accept cash or a cheque payable to us uless the cheque is i settlemet of our adviser charges or disbursemets for which we have set you a ivoice. Ivestmet objectives ad restrictios Followig the issue of this documet, ay subsequet advice or recommedatio offered to you will be based o your stated ivestmet objectives, agreed level of risk you are prepared/able to take ad ay restrictios you wish to place o the type of ivestmets or policies you are willig to cosider. Details of your stated ivestmet objectives will be idetified durig our discussios with you ad cofirmed i the Suitability Letter/Report that we will issue to you to cofirm our recommedatios. Uless cofirmed i writig to the cotrary, we will assume that you do ot wish to place ay restrictios o the advice we give.
12 Cotact us To fid out more, cotact Ecclesiastical Fiacial Advisory Service today, o Lies are ope 8:30am 5:30pm Moday to Friday (excludig bak holidays). We may moitor or record calls to improve our service You ca us at Or visit us at Other useful cotacts Ecclesiastical home isurace Ecclesiastical church isurace If you would like this booklet i large prit, braille, o audio tape or computer disc please call us o You ca also tell us if you would like to always receive literature i aother format. Beaufort House, Bruswick Road, Gloucester GL1 1JZ Ecclesiastical Fiacial Advisory Services Ltd (EFAS) Reg. No by the Fiacial Coduct Authority. Registered i Eglad at Beaufort House, Bruswick Road, Gloucester, GL1 1JZ, UK. EFAS is authorised ad regulated Ecclesiastical Isurace Office plc 2015 PD /15
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