Emerging Markets Mortgages. Investments and Savings. Business Family & Income Protection. Retirement Planning. Financial Planning.

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1 Emerging Markes Morgages Bobby Dhanja Weah Managemen Because weah is more han money Esae Panning Invesmens & Savings Business Famiy & Income Proecion Reiremen Panning Financia Panning Weah Managemen Scan here wih your smar phone o visi our websie Bobby Dhanja Weah Managemen 3 Merus Cour, Meridian Business Park, Leiceser LE19 1RJ Te: Emai: info@bobbydhanja.co.uk Invesmens and Savings Financia Advice Reiremen Panning Business and Famiy Proecion Income Proecion Esae Panning Bobby Dhanja Weah Managemen is a rading sye of The Bobby Dhanja Pracice Limied which is auhorised and reguaed by he Financia Conduc Auhoriy FCA No Regisered office: 3 Merus Cour, Meridian Business Park, Leiceser LE19 1RJ. Regisered No

2 Bobby Dhanja Weah Managemen Because weah is more han money Bobby Dhanja Weah Managemen Because weah is more han money Wecome.. Bobby Dhanja Weah Managemen is a Midands based firm of Financia Advisers. We serve he financia needs of businesses, professionas and famiies on a naionwide scae. Weah Managemen Basic Principes Our core focus is providing a muiude of weah managemen services encompassing weah creaion, accumuaion, ransfer and preservaion on persona, professiona and business eves. Weah isn merey abou your needs, i s abou your aspiraions and vaues oo. Our prioriy and focus is shieding weah, and ifesyes hrough a highy personaised and bespoke service. The hoisic and ongoing approach o weah managemen we offer wi hep you pan and achieve your financia and ifesye objecives, hus designed o proec and enhance your fuure prosperiy. Here a Bobby Dhanja Weah Managemen, financia advice is aways susainabe, his ensures any panning wi remain effecive no maer wha he fuure may hod. Our associaion wih oher independen bodies aows us o offer you a hoisic weah managemen service whis providing a he benefis of a singe reaionship no maer wha your financia needs may be. We appreciae ha your financia siuaion is unique so i s ony righ ha you have persona advice ha is bespoke o yoursef. There is simpy no subsiue for good and hones persona advice We invie you o earn more of our bespoke invesmen phiosophy and i s benefis, shoud you choose o engage any of he services we offer, you may ook forward o a srong and rewarding reaionship. Bobby Dhanja Managing Direcor Kind Regards Bobby Dhanja Managing Direcor Bobby Dhanja Weah Managemen Saemen of Vaues Innovaion Service Exceence To inroduce new ideas and venures ha have he scope o impac on he financia services indusry. To ensure and a individuas who form par of ead from he fron and focus on being indusry eaders. To ensure provides a eve of service o is ciens ha is renowned for is cass and exceence on an ongoing basis. Respec Giving respec and recogniion o sef and ohers whis mainaining high eves of professionaism, rus and ehics of boh inernay and exernay. Accounabiiy Coaboraion Coaboraing inernay o deiver marke-eading proposiions and coaboraing wih exerna paries o enhance s overa package. Commimen Commimen o our ciens, saff, indusry and parners o ensure is forming new iniiaives ha can enhance our overa proposiion. Consisency Be consisen in deivering wha has been promised. Consisency in performance, deivery and ehics. Efficiency Being efficien and effecive in our approach o give he righ souion each ime. Taking responsibiiy for our acions ha infuence he ives of ciens, saff and professiona parners. Leadership Fun Having fun and ceebraing sma successes in our journey o achieve our goas and objecives. Risk of Invesing The vaue of invesmens and any income from hem may fucuae, you may no ge a of your origina invesmen reurned. You shoud no make any assumpion regarding poenia income, growh or reurns based on any informaion wihin his documen. Pas performance shoud no be a consideraion or guide o fuure performance. Uness excusivey invesing in he UK, foreign exchange exposure exiss in a funds. Changes in foreign exchange raes may cause he vaue of invesmens o fucuae. I may aso cause income from invesmens o fucuae. The principe risks associaed wih invesmens are fuy described in he prospecus of each fund provider ha we provide o our ciens hrough our fund recommendaions. The conens of his documen represen he opinions of Bobby Dhanja Weah Managemen and no invesmen decision shoud be aken based soey on i s conen. Aways ake advice firs ha perains o your individua financia circumsances. The reguaions governing ax raes and invesmens may change in he fuure. Bobby Dhanja Weah Managemen is a rading sye of The Bobby Dhanja Pracice Ld which is auhorised and reguaed by he Financia Conduc Auhoriy. FCA Number: Regisered address: 3 Merus Cour, Meridian Business Park, Leiceser, LE19 1RJ Regisered No: Because weah is more han money

3 Bobby Dhanja Weah Managemen Because weah is more han money Bobby Dhanja Weah Managemen Because weah is more han money Key Cien Concerns Services, Paymen and Cien Consen Markeing Posa & Teephone op ou I / we do no wish o receive informaion abou he producs or services of oher carefuy seeced hird paries from wihin he Financia Services and Insurance indusry by pos or eephone. Upon receip of your reques we wi ensure ha you are excuded from any subsequen maiings issued by us for markeing purposes. E communicaions op in I / we woud ike o receive informaion on producs and services provided by he firm and oher hird paries, by e-mai, facsimie and sms messaging, pease ick he box opposie o op-in o hose services. Upon receip of your reques we wi ensure ha you are incuded in e communicaions issued by us for markeing purposes. DATA PROTECTION ACT USE OF YOUR PERSONAL INFORMATION As you may be aware, he UK is one of he mos highy reguaed financia cenres in he word. This egisaion has been enaced o safeguard he ineress of consumers and oher persons purchasing and being advised abou invesmens, insurance and oher financia producs and in use of heir persona daa. Agains his backdrop, we are required o make cerain reguaory and sauory decaraions o you. A we provide dynamic and innovaive souions o our ciens concerns. A ypica is of concerns may ook somehing ike his. Invesmens and Savings: Are my Invesmens and Savings being accumuaed ax efficieny whie reducing risk? Have I adoped a goba perspecive o diversify my asses, by secor, sye and geographicay? Is he cos of invesing and saving kep o a minimum for he appropriae asse cass? Business and Famiy Proecion: Ensure he famiy or business is financiay secure in he even of deah or major iness. Ensure he surviving famiy members are adequaey provided for. Ensure he business can coninue o rade or o buy ou he deceased parner/direcor in he even of major iness or premaure deah. If insruced by you, we coec daa during our iniia and oher meeings wih you abou you and your famiy. We wi aso be coecing daa abou you and your famiy from oher persons. We coec he daa hrough noe-aking and fiing in of quesionnaires abou you and your famiy s circumsances. Income Proecion: We may make checks wih credi raing agencies o auhenicae and verify your ideniy and credi saus. We aso make checks wih Insiuions wih whom you have poicies of insurance and invesmens and wih your morgage provider. These checks are o hep us wih our obigaions a aw and generay o ensure ha we provide you wih advice ha suis your circumsances. The scope and exen of he gahering of informaion from hird paries depends on wha ype of service you are aking from us. How is your informaion used? Primariy, we use your daa and daa abou your famiy s circumsances o provide advice o you and compee ransacions on your behaf. We anayse and assess your daa o mainain and deveop our reaionships wih you. Depending on he insrucions we receive from you, we may pass your daa o oher professiona advisers o enabe us o provide advice mos suied o your circumsances. Usuay, his woud be referras o oca accounans, soiciors, ax advisers and someimes o speciais advisers in he financia and insurance indusry where you may benefi from he experise of such hird paries. We, and any hird pary speciais advisers o whom we inroduce you, wi, of course, pass your daa o Insiuions if you agree o purchase or amend poicies and producs as par of he saes and advice process. We wi reain your daa according o he sauory requiremens for reguaed producs. For insance, if you are given speciais pension advice, he daa wi be reained indefiniey. If you wan deais of he sauory reenion periods for various produc ypes pease conac us and we wi obain he aes ega posiion on your behaf. Reiremen Panning: We may be required o share your daa wih our reguaor, he FCA and oher hird paries incuding our audiors. Your daa is hed in our offices in compuer-based and paper-based fiing sysems. Our producs and services. We have a wide porfoio of financia (incuding morgages) and insurance producs avaiabe o us. We beieve hese are some of he bes and mos appropriae in he markepace. We woud aso ike o be abe o conac you so ha we can furher advise you of deveopmens of new producs ha migh be suied o you. We aso migh advise you of ega deveopmens ha migh make i appropriae for us, or for hird paries, o give you pro-acive advice abou he invesmens, insurance and oher financia producs of which we are aware. We sress ha your informaion woud ony be used in his way o hep us o provide a pro-acive service o you. As we a know, ime is precious and none of us wan o be bombarded wih informaion ha is simpy no reevan or which we do no require. There may be imes when we fee ha a service or produc may be of ineres o you. In order o make you aware of hese services or producs, we, insurers or hird paries may wish o conac you by mai or eephone so ha you can make informed choices abou your finances. If you do no wish us o send you communicaions by eephone or pos pease op-ou of ha by icking he firs box a he end of his noice and reurning i o us. We wi ensure ha we do no send posa communicaions o you. You migh wan us o conac you by SMS message, emai, fax or oher digia mehods o give you (e-communicaions) furher deais so ha you can make an informed choice. If you wan o do ha, by aw, we have o ge your consen o send e-communicaions o you and herefore you need o op-in o ha service by icking he second box a he end of his noice and sending i o us. We wi, as required by aw, aow you o unsubscribe from any service provided hrough e-communicaions a any ime. Your righ o a copy of your persona daa. Under he Daa Proecion Ac you have a righ, upon paymen of a fee, curreny 10, o obain a copy of he persona informaion ha we hod abou you. If you beieve ha any informaion hed is incorrec or incompee, you shoud conac he Daa Proecion Officer a our usua address. Any informaion ha is found o be incorrec or incompee wi be amended prompy. Thank you for your ime and I confirm ha we are a a imes commied o making sure ha, as you are a cusomer of a company auhorised direcy by he FCA, you receive he bes service and producs avaiabe in he markepace. Ciens Consen This is our sandard cien agreemen upon which we inend o rey. For your own benefi and proecion you shoud read he erms carefuy before signing, as by signing you consen o he erms conained wihin. If here are any erms wihin his agreemen ha you do no undersand, pease ask for furher informaion. The Cien Agreemen wi come ino effec from he dae of accepance of his agreemen, which wi be confirmed by he dae provided in he dae of signaure box beow, uness oherwise saed. Cien Name(s)... Cien signaure(s)... Ensure an income is paid uni reiremen in he even of a ong-erm iness/disabiiy. Ensure you or your famiy do no have o rey on sae benefis if unabe o work. How do I creae a rising income in reiremen? How much money do I need o accumuae o ensure a comforabe sandard of iving? How ong wi my capia as during reiremen? Assising Famiies: Ensure ha each chid/grandchid is given every opporuniy i.e Universiy educaion, firs home purchase. Ensure ha parens are caered for and ha adequae provisions are made for care in aer years. Esae Panning: Ensure ha invesmen porfoios refec aiude owards risk and reward. Ensure you, your parner and/or famiy do no pay any unnecessary income ax, capia gains ax (CGT) or inheriance ax (IHT). Ensure a smooh ransfer of weah from generaion o generaion. The Financia Conduc Auhoriy does no reguae axaion, rus advice or wi wriing. Leves and bases of and reiefs from axaion are subjec o change and heir vaue depends on he individua circumsances of he invesor. Morgages: When wi I be abe o purchase my firs home? Have I go he bes dea avaiabe? Can I hep my chidren/grandchidren o purchase a propery? There wi be a fee for morgage advice. The precise amoun wi depend upon your circumsances, bu we esimae i wi be 499. Your home may be repossessed if you do no keep up repaymens on your morgage. Dae of signaure(s)... Dae of issue... Because weah is more han money

4 Bobby Dhanja Weah Managemen Because weah is more han money Bobby Dhanja Weah Managemen Because weah is more han money Cien Process Services, Paymen and Cien Consen This agreemen wi be in force from he dae you sign beow, and uni he dae ha you or we end i, in accordance wih our Cien Agreemen. We agree o provide you wih services and in reurn you agree o pay us for our services, as deaied beow. 1. Exporaory Meeing/Inroducion Inroducion o our services and advice process. A discussion of your goas, objecives, aiude owards invesmen risk and poenia souions. Service Seeced Iniia Transacion Ony and / or 2. Objecive Seing On Going Review Service. In cohesion, we wi ook o consruc reaisic financia objecives o secure your fuure. Opion 1 3. Pan Presenaion Having conduced horough research and anayses, we wi pan a second meeing o presen a sraegy and overa produc recommendaions. These wi be aigned o your goas, objecives and your aiude owards invesmen risk. Iniia Exporaory Meeing wih cien o discuss needs and objecives. Impemenaion of Financia Pans. Pease ick your seeced opion Opion 2 Bespoke Websie Rea Time Vauaions Documen Sorage Rebaancing Porfoio Opion 3 Bespoke Websie Rea Time Vauaions Documen Sorage Rebaancing Porfoio Posa Vauaion 1 x Annua Review (F2F or eephone) Fie Mainenance Bespoke Websie Rea Time Vauaions Documen Sorage Rebaancing Porfoio Posa Vauaion 1 x Annua Review (F2F or eephone) Fie Mainenance Liasing wih Accounan Liasing wih Soicior Adminisraive Assisance Business / Persona Panning Inviaion o Seminars The Paymen Mehod Iniia Transacion Muua Commimen. Monior and Review o refec marke changes / cien prioriies. Singe Premium 4.5% wih a minimum of 500. Paymen by invoice. Agreed Financia Objecives. Produc provider faciiaed. Reguar Premium 25% of he annua premium wih a minimum of 250. Paymen by invoice. Produc provider faciiaed. On Going Review Service Paymen by invoice. Produc provider faciiaed. Presenaion of Financia Pans wih Bespoke Souions. 4. Muua Commimen A commimen from boh paries is hen sough on he proposed financia pan and seps are agreed on how he pan is going o be impemened going forward. 5. Impemen Pan We wi commence impemenaion of our bespoke recommendaions. This invoves iaising wih exising produc providers and composing any new poicies. 6. Monioring & Review We do no accep paymens by cash in any circumsances. You mus pay our adviser charges in accordance wih he paymen erms saed on our invoices. In he absence of paymen erms on our invoices, paymen wi be due wihin 15 days of he invoice dae. If you fai o pay our adviser charges when hey are due, you wi be in breach of his Agreemen and we may enforce our righs agains you. This is our sandard fee agreemen on which we inend o rey. For your own benefi and proecion you shoud read hese erms carefuy before signing. If here are any erms wihin his agreemen ha you do no undersand, pease ask for furher informaion, as by signing you consen o he erms wihin. This agreemen and any dispue or caim arising ou of or in connecion wih i or is subjec maer or formaion sha be governed by and consruced in accordance wih he aws of Engand and Waes. The paries irrevocaby agree ha he cours of Engand and Waes sha have excusive jurisdicion o see and dispue or caim ha arises ou of or in connecion wih his agreemen or is subjec maer or formaion. Ongoing reviews of he cien pan o refec marke changes and any poenia changes in cien prioriies. We woud aso ook o monior invesmen performance on an ongoing basis. Because weah is more han money

5 Bobby Dhanja Weah Managemen Bobby Dhanja Weah Managemen Because weah is more han money Because weah is more han money Cien agreemen documen for Accouning o you. We wi confirm o you in wriing he basis or our reason for recommending he ransacion execued on your behaf. We wi forward o you a documens showing ownership of your invesmens as soon as pracicabe afer we receive hem; where a number of documens reaing o a series of ransacions is invoved, we wi normay hod each documen uni he series is compee and hen forward hem o you. Invesmen asses. Differen invesmens sui differen peope a differen sages of heir ives, so when making your invesmen decisions ask yoursef; ong am I panning o inves for? do I decide he mix of equiies, bonds and cash? How ofen shoud I review my porfoio? How I is in he ineress of our ciens and ha we obain he bes possibe resu when pacing orders wih oher firms (e.g. hird pary brokers) for he execuion of cien orders or when ransmiing orders on behaf of ciens for paricuar invesmens e.g. shares. The vaue We are required under he Rues of he Financia Conduc Auhoriy o ake a reasonabe seps o provide bes execuion when carrying ou such ransacions. Where we pace or ransmi orders for such invesmens on behaf of our ciens, we may uiise he services of a hird pary broker and base our decision o pace or ransmi an order on he price and cos of execuion of he order. For orders in coecive invesmen schemes (e.g. uni rus), however, he price of unis or shares in he scheme is normay se by he scheme operaor or manager and as such we have ie infuence over he price avaiabe. Marke performance-20 years a a gance. 450% 400% Mode of communicaion. If you are unhappy wih he service or he advice we have provided, and wish o regiser a compain, pease conac us: In wriing: Wrie o Mr B Dhanja, 3 Merus Cour, Meridian Business Park, Leiceser LE19 1RJ By phone: Teephone If you canno see your compain wih us, you may be enied o refer i o he Financia Ombudsman Service. Are we covered by he Financia Services Compensaion Scheme (FSCS)? We are covered by he FSCS. You may be enied o compensaion from he scheme if we canno mee our obigaions. This depends on he ype of business and he circumsances of he caim. Mos ypes of invesmen business are covered up o a maximum of 50,000. Furher informaion abou compensaion scheme arrangemens is avaiabe from he FSCS Equiies 350% Bonds 300% Growh Wha o do if you have a compain. Cash Cash Insrumens, Capia Proeced. of propery invesmens and income from hem can go down as we as up and invesors may no ge back he amoun originay invesed. As propery is a speciais secor i can be voaie in adverse marke condiions, here coud be deays in reaising he invesmen. Propery vauaion is a maer of judgemen by an independen vauer herefore i is generay a maer of opinion raher han fac. We woud sugges ha he foowing warning is aso considered; Pas performance is no a guide o fuure performance and shoud no be used o assess he risk associaed wih he invesmen. Fu deais of our bes execuion arrangemens are provided in our Bes Execuion Poicy, a copy of which can be provided on reques. We wi ener ino communicaion wih you hrough whaever means are convenien o you and us, incuding face-o-face, eephone, e-mai and oher accepabe eecronic communicaion mehods. Fixed Ineres UK, Goba. Buiding your invesmen profie. Propery UK, Goba. Bes execuion poicy. Foowing he issue of his documen, any subsequen advice or recommendaion offered o you wi be based on your saed invesmen objecives, agreed eve of risk you are prepared / abe o ake and any resricions you wish o pace on he ype of invesmens or poicies you are wiing o consider. Deais of your saed invesmen objecives wi be idenified during our discussions wih you and confirmed wihin he suiabiiy repor ha we wi issue o you o confirm our recommendaion(s). Uness confirmed in wriing, o he conrary, we wi assume ha you do no wish o pace any resricions on he advice we give you. Equiy UK, US, Europe, Far Eas Japan, Emerging markes, Speciais/Goba. How Here we ook a he four main ypes of asses you can inves in-equiies, bonds, cash and propery. We wi show you boh advanages and risks associaed wih each opion, so you can decide he asses bes suied o you. Typicay, a majoriy of invesors choose a we baanced combinaion of asses o make up heir porfoio. These asse casses perform differeny. Whie our research shows ha equiies end o perform beer han cash, bonds and propery over he ong erm, each can be appropriae a a differen sage hrough your ife. Differen invesmens carry differen risks, each wih i s own eve of poenia reurn. Invesmen objecives & resricions. 250% 200% House Prices 150% Cash 100% 50% Infaion 0% -50% Dae The vaue of your invesmen can go down as we as up and you may no ge back he fu amoun invesed. Equiy invesmens do no incude he same securiy of capia which is afforded wih a deposi accoun. Source: Boomberg, as a end of e Sources UK Equiies: The growh in vaue of UK shares, wih income reinvesed, as repored by he FTSE A Share Index. UK Bonds: The growh in vaue of fixed rae UK Governmen bonds, wih income reinvesed, as repored by he FTSE UK Gi A Socks Index. House Prices: The average UK house price, as repored by he Naionwide and Haifax House Price Indices. This is an amagamaion of boh Naionwide and Haifax indices and does no incude rena income. UK Cash: The reurn from cash assuming i can receive he same ineres rae as he Bank of Engand s Base Rae wih ineres reinvesed. Infaion: Increase in he UK Reai Prices Index (A Iems). Key evens in he FSTE A Share Index 1 Sepember Exi from he European Exchange Rae Mechanism. 2 Augus Russian financia crisis. 3 Eary Technoogy bubbe burs. 4 Sepember /11. 5 Augus Sar of he goba credi crisis. 6 March Bank of Engand cus base rae o 0.5%. 7 February European sovereign deb crisis begins. Because weah is more han money

6 Bobby Dhanja Weah Managemen Because weah is more han money Because weah is more han money Risk Risk Cien agreemen documen for High Low Bobby Dhanja Weah Managemen High Seing your adviser charge by insamens. Reurn The opion o pay by insamens is ony avaiabe for he paymen of he iniia adviser charge on reguar premium producs. Paymen by insamens does no reae o any ongoing charges paymen which we may charge for providing an ongoing service. Cash 5% Fixed Ineres 55% Equiies 27% UK Propery 13% Bespoke 50% Proeced Producs 50% Cash 100% Cash 5% Fixed Ineres 31% Equiies 51% UK Propery 13% Cash 5% Fixed Ineres 21% Equiies 62% UK Propery 12% How your paymen pan works: Toa monhy premium payabe Toa cos of advice Monhy paymen for advice Lengh of repaymen period For exampe, he oa cos of advice is 750. You have been recommended a reguar premium produc of which 250 wi be paid each monh wi be aken from his amoun o pay off your adviser charge over 12 monhs. The remaining wi be invesed during his ime. A he end of his period he adviser charge woud have been seed in fu. From monh 13 he fu 250 wi be invesed. Low Keeping up your paymens. If you choose o pay for he advice you receive via insamens, he fu amoun of he adviser charge wi need o be paid irrespecive of wheher: The recommended produc(s) is /are canceed before he fu amoun is paid; and/or You subsequeny decide o ransfer your business o anoher firm / financia adviser. Any ousanding amouns, as a he dae of canceing he recommended produc / ransferring o anoher firm or adviser, wi be due o be paid in fu wihin 15 business days of he erminaion / ransfer dae. An invoice wi be raised for he fu ousanding amoun. Our exper advisers wi endeavour o give cariy when discussing opions wih you and when presening advice based on your requiremens. The fac-find process incorporaes Risk Profiing, which is a way o undersand your aiude o risk. Working in conjuncion wih indusry eading psychomeric consuans our seeced provider for his ineigence is Disribuion Technoogy (DT). The majoriy of our invesmen produc providers have synergized heir risk profiing wih DT, ensuring a rigid and robus asse aocaion crieria is empoyed. The diagram shows visuay he breakdown and caegorisaion of he asse aocaion assigned o each risk profie. Simpy he higher he number he high he risk and poenia reward. The asse aocaion for each profie is shown by he breakdown percenages of Cash, Bespoke, Proeced Producs, Fixed Ineres, Equiies and UK Propery. I shoud be remembered ha growh needs o be sufficien o counerac he effecs of infaion. Effec of Infaion-wha you coud have bough for 10,000 in 1992 wi cos you 17,401 in Shoud you ake one of our ongoing services, you have he opion o pay us eiher by: a) Cheque or direc ransfer on producion of an invoice (we do no accep cash) OR b) We can, in cerain insances, ask he produc provider o faciiae he annua paymen from your invesmen. Pease speak wih your adviser on he opions avaiabe. We wi aso inform you if you have o pay VAT on any of he above adviser charges. We wi discuss your paymen opions wih you and answer any quesions you have. We wi no charge you uni we have agreed wih you how we are o be paid. Oher benefis we may receive. We advise and arrange on a range of producs from a variey of firms; we may receive cerain suppor from hese firms, which is used o enhance he quaiy of service we provide o you. This year we expec o receive in oa 100 hour s worh of raining from some or a of hese firms. Some of he cos of his raining may be passed o you as par of he oa produc charges you pay hese firms. Oher suppor we may receive incudes access o echnica services, informaion echnoogy suppor or he suppy of produc ieraure. Furher informaion regarding any of hese arrangemens is avaiabe on reques. does no safeguard or adminiser cien asses bu we may arrange business hrough paforms, which wi provide cusody services for your asses. Where his is he case, he ega ie of invesmens wi be regisered in he name of he hird pary s nominee. 17,401 17,500 15,000 12,500 Transacions wi be ransmied o he fund supermarke, invesmen wrap paform, or simiar hird pary invesmen insiuion for hem o execue. Money or ransferred asses wi be paced immediaey wih he hird pary for invesmen we wi never hod asses for you. We wi provide you wih he reevan accoun opening deais for he idenified hird pary such as heir Terms & Condiions, Nominee and Safe Cusody Service, Bes Execuion Poicy, Execuion Venues and Confics of Ineres Poicy (or equivaen documens). The ega ie of he invesmens wi be in he name of he hird pary s nominee 10,000 7,500 5,000 2, Your paymen opions-on going service. Nominee and safe cusody services. 20, monhs If you choose o pay for he advice you receive hrough insamens, hese insamens wi be deduced from he premium you pay each monh and aocaed owards seing he adviser charge. Throughou our cien business ransacions i is essenia ha you have a compee and horough undersanding of he processes engaged. Making sure you are aware a a sages of any poenia concerns and ha you are enirey happy wih our deaings. As par of our in-deph fac-finding process we wi seek o undersand your individua siuaion a ha momen in ime, o incude your hopes, aspiraions and reservaions. 10,000 You si pay us indirecy hrough deducions from he amoun you pay ino your produc. These deducions wi pay owards seing he adviser charge. These deducions coud reduce he amoun ef for invesmen. Risk Profiing. 22,500 Paying by insamens hrough your recommended produc. If you buy a financia produc, you can choose o have your adviser charge deduced from he produc hrough insamens. Ahough you pay nohing o us up fron, ha does no mean ha our service is free For non paform business, we wi make arrangemens for your invesmens o be regisered in your name uness you insruc us oherwise in wriing. Because weah is more han money

7 Bobby Dhanja Weah Managemen Bobby Dhanja Weah Managemen Because weah is more han money Low Risk Risk Cien agreemen documen for Before we provide any services o you, we wi gaher informaion abou your circumsances and needs. We wi no make a charge for his. Afer his we wi charge you: Iniia advice service. a) Lump Sum Invesmens A one-off adviser charge as a percenage of he iniia invesmen amoun as foows: The charge is 4.5% of he iniia invesmen amoun subjec o a minimum of 500 and a maximum of 20,000 Exampe: If you inves a ump sum of 20,000 ino a persona pension pan, we woud charge an adviser charge of 4.5% of he amoun invesed, which woud mean an iniia adviser charge of 900 ( 20,000 x 4.5% = 900). OR b) Reguar Premium Conrac A one-off adviser charge as a percenage of he reguar premium over he firs 12 monhs. The charge is 25% of he firs year s premium wih a minimum of 250. Exampe: If you inves a reguar premium of 300 ino a persona pension pan, we woud charge an adviser charge of 25% of he amoun invesed over he firs 12 monhs, which woud mean an iniia adviser charge of 900. ( 300 x 12 x 25% = 900). We wi e you how much he oa iniia adviser charge wi be before you compee an invesmen. ONGOING ADVICE SERVICES There wi be an addiiona charge for any ongoing work, such as periodic or ongoing reviews we carry ou on your behaf. We wi confirm he rae, frequency and engh of any ongoing service(s) before commencing ha ongoing service. Ongoing services we offer: Opion 1 Bespoke Websie Rea Time Vauaions Documen Sorage Rebaancing Porfoio Opion 2 Bespoke Websie Rea Time Vauaions Documen Sorage Rebaancing Porfoio Posa Vauaion 1 x Annua Review (F2F or eephone) Fie Mainenance Opion 3 Bespoke Websie Rea Time Vauaions Documen Sorage Rebaancing Porfoio Posa Vauaion 1 x Annua Review (F2F or eephone) Fie Mainenance Liasing wih Accounan Liasing wih Soicior Adminisraive Assisance Business / Persona Panning Inviaion o Seminars More deais on he services we offer wi be provided separaey. You may aso ask us for a bespoke service package and your advisor wi discuss his and he on going fees wih you. Cos of our ongoing service. Opion 1 0.5% of he oa porfoio vaue managed by (min of 250) Opion 2 1.0% of he oa porfoio vaue managed by (min of 350) Opion 3 1.5% of he oa porfoio vaue managed by (min of 500) Exampe: Type of service seeced: Opion 2. The cos of his service is 1% of he oa porfoio vaue managed by The Bobby Dhanja Pracice Ld. So, based on a oa porfoio vaue of 50,000, an ongoing charge of 1% of his amoun woud mean ha i woud cos 500 per annum o provide an ongoing service ( 50,000 x 1% = 500). If he fund vaue increases over ime, he ongoing charge hen increases accordingy. If he conrac you have wih us is a reguar premium pan, and you woud ike o ake one of he ongoing service opions, hen shoud you oa porfoio vaue be ess han 50,000, we wi charge you he minimum fee of 250 on Opion 1, 350 on Opion 2 and 500 for Opion 3. Cash 0% Fixed Ineres 17% Equiies 77% UK Propery 6% Fixed Ineres 6% Equiies 94% High Bespoke 100% Bespoke 100% Wha wi you have o pay for our services? Because weah is more han money Equiies 100% These profies move beyond he more radiiona abes of cauious, baanced and advenurous o a mehod ha aows risk o be more cosey mached and a he same ime, is we recognised. These risk profies are for iusraive purposes ony and do no indicae an acua invesmen sraegy, ciens shoud seek independen financia advice o deermine heir own persona invesmen sraegy before embarking on any course of acion. In addiion o undersanding individuas aiude o risk i is equay imporan ha we assess and measure our cien s capaciy for oss. I is a very we having an accurae profie on risk, and choosing a more aggressive and poeniay more rewarding porfoio. However when he cien has imied, secured or ocked away asses i woud be bad advice o sugges such a risk. Vaue of 1,000 invesed in UK equiies, bonds and cash over he pas 20 years. 5,000 4,702 4,500 4,535 17,401 4,000 3,500 3,000 2,521 2,500 2,000 1,500 1, UK Equiies UK Bonds UK Cash Source: Boomberg, as a end of e We wi agree wha wi be charged before any service(s) provided and he amoun wi be confirmed wihin our Service & Paymen Agreemen. Your paymen opions-iniia advice. You wi ony pay us an adviser charge if you ake up our recommendaion and we arrange he produc wih he produc provider. For he iniia adviser charge, on singe premiums invesmens, you have he opion o pay us eiher by: a) Cheque or direc ransfer on producion of an invoice (we do no accep cash) OR b) We can ask he produc provider o faciiae he iniia paymen from your invesmen. Because weah is more han money

8 Bobby Dhanja Weah Managemen Because weah is more han money Bobby Dhanja Weah Managemen Because weah is more han money Cien agreemen documen for Lifesye Sraegies - Reiremen Panning. Lifesye Profies aow you o pick an invesmen sraegy for your pension when you firs se i up. Lifesye profies are an opion ha auomaicay swich he funds you are invesed in depending on he engh of ime uni your seeced reiremen dae. As you ge nearer your reiremen, hey move he emphasis away from growh o preparing your pension fund for your pension benefis a your seeced age. This aims o aign your pension fund wih your reiremen pans and reduce he effec on your fund of changes in he vaue of invesmen markes. Such changes coud affec he eve of reiremen benefis your invesmens can achieve when you reire. You do no need o conac us o make hese aeraions o your invesmen fund mix. Making a pension invesmen choice. Before making his choice you need o consider he foowing: Lifesye profies may no be suiabe for everyone (e.g. hey may no be suiabe for cusomers ha are no considering annuiy purchase or hose who inend o buy a pension ha increases each year a a rae inked o infaion, or hose who do no inend o reire a heir seeced reiremen age). Invesmen Services. Bobby Dhanja Weah Managemen () is a rading sye of The Bobby Dhanja Pracice Limied. The Bobby Dhanja Pracice Limied is permied o advise on and arrange (bring abou) deas in invesmens. Wih regard o invesmens which we have arranged for you, hese wi no be kep under review, bu we wi advise you upon your reques. However, we may conac you in he fuure by means of an unsoicied promoion (i.e. where you had no expressy requesed i) shoud we wish o conac you o discuss he reaive meris of an invesmen or service which we fee may be of ineres o you. does no hande ciens money. We never accep a cheque made payabe o us or hande cash (uness i is paymen in seemen of adviser charges or disbursemens for which we have sen you an invoice). If you do send us money, his may deay your ransacion as we may have o reurn his money o you. Reguaory Saus. The Bobby Dhanja Pracice Ld of 3 Merus Cour, Meridian Business Park, Leiceser LE19 1RJ is auhorised and reguaed by he Financia Conduc Auhoriy. Our FCA Regiser number is You can check his on he FCA s Regiser by visiing he FCA s websie regiser/home.do or by conacing he FCA on Cien Caegorisaion. In providing invesmen services o you, we wi caegorise you as a reai cien. The ype of cien caegory wi deermine he eve of proecions afforded o you under he reguaory sysem. As a reai cien, he reguaory proecions avaiabe o you are deermined by his caegory and wi be he highes avaiabe Where we have caegorised you oher han as a reai cien, you may reques re-caegorisaion under a cien caegory which benefis from a higher degree of proecion. However, we reserve he righ o agree o such a re-caegorisaion on a case-by-case basis, and where we agree o do so i does no necessariy mean ha you wi have a righ of access o he Financia Ombudsman Service. Which service(s) wi we provide you wih? Resriced Advice - We wi advise and make a recommendaion for you afer we have assessed your needs. We offer advice on imied ypes of producs which we offer from a imied number of companies. You may ask us for a is of he companies and producs we offer advice on. Confics of Ineres. The Bobby Dhanja Pracice Limied offers advice in accordance wih ha described in his documen. Occasions may arise where we or one of our oher ciens have some form of ineres in business being ransaced for you. If his happens or we become aware ha our ineress or hose of one of our oher ciens confics wih your ineress, we wi wrie o you and obain your consen before we carry ou your insrucions, and deai he seps we wi ake o ensure fair reamen. Terminaion of Auhoriy. You or we may erminae our auhoriy o ac on your behaf a any ime, wihou penay. Noice of his erminaion mus be given in wriing and wi ake effec from he dae of receip. Terminaion is wihou prejudice o any services aready provided / ransacions aready iniiaed, which wi be compeed according o he Cien Agreemen uness oherwise agreed in wriing. You wi be iabe o pay for any ransacions made or carried ou prior o erminaion and any adviser charges or oher fees which may be ousanding. Righ o Wihdraw. In he case of many reai invesmen producs such as ife assurance conracs, persona pension schemes, invesmen bonds, and coecive invesmen arrangemens (e.g. uni russ), a righ o wihdraw or cance he conrac wihin a specified period is normay provided. Deais of such righs are ordinariy conained in he produc ieraure (e.g. Key Feaures documen) and/or we may provide deais of such righs in a separae communicaion. In he case of any non-reai invesmen producs e.g. an ISA wrapper, we wi inform you in wriing of any righ o wihdraw or cance you may have or, if i is he case, we wi inform you in wriing ha no such righs wi appy. Ciens Risk. You are advised ha because invesmens can fa as we as rise, you may no ge back he fu amoun invesed. Pas performance is no a guide o fuure performance. Because weah is more han money