Spread Bet Terms: Deposit Accounts

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1 Spread Bet Terms: Depsit Accunts 1. Structure 1.1 When we engage in Spread Betting with yu, we d s n the basis f: - ur General Terms; these terms, i.e. ur Spread Terms. 1.2 The Spread Terms deal with matters that are specific t Spread Betting. The General Terms cntain terms that apply generally t Spread Betting, spt frex trading and cfds. 2. Definitins 2.1 Wrds with capital letters have particular meanings as defined in the General Terms and in clause Initial Margin 3.1 Initial Margin is due t Tradefair Financials n each pening bet yu place. Initial Margin must be maintained in respect f all pen psitins. In additin if yu place a bet n a market rder basis (as referred t in 3 rd bullet pint f clause 7.4 f the General Terms), Initial Margin is due when we accept that bet and when we execute that bet. 3.2 Initial Margin is calculated as fllws: - fr a Spread Bet (stake size multiplied by Tradefair Financials Price) multiplied by IM Factr (fr the bet yu wish t place, r have placed). fr Binary Spread Bet Up, lng buy bets: stake size multiplied by the price f the bet yu wish t place, r have placed fr Binary Spread Bet Dwn, shrt sell bets: stake size multiplied by (100 minus the price f the bet yu wish t place, r have placed) fr Optins n Spread Bets, the margin is the net Delta Margin and net Vega Margin in respect f bth yur Optins, and any Spread Bets with the same underlying. Yur ttal margin = net Delta Margin + net Vega Margin Nte that: - if yu place a Spread Bet n a direct deal basis (as referred t in the 3 rd bullet pint f clause 7.4 f the General Terms), Initial Margin will be calculated when we accept yur bet based n the Tradefair Financials Price n acceptance; if yu place a Spread Bet, r an Optin n a Spread Bet, n a market rder basis (as referred t in the 3 rd bullet pint f clause 7.4 f the General Terms), with the exceptin f Optins n Spread Bets, and Binary Spread Bets, which use the frmulas detailed in Clause 3.2, Initial Margin will be calculated when we accept yur bet based n the Tradefair Financials Price n acceptance; Initial Margin will be calculated when we execute yur bet based n the Tradefair Financials Price n executin; in relatin t pen Spread Bet psitins, with the exceptin f Optins n Spread Bets, and Binary Spread Bets, which use the frmulas detailed in Clause 3.2, Initial Margin will be calculated based n the then current Tradefair Financials Price f the Spread Bet yu have placed. in relatin t pen Binary Spread Bet psitins, Initial Margin will be calculated as stated in this clause 3.2 abve. 3.3 Please refer t the Market Infrmatin Sheets t ascertain the IM Factr fr any given Spread Bet Market. 3.4 Yu must make sure yu knw hw Initial Margin is calculated and the relevant IM Factr fr the bet yu prpse t place. If yu are in any dubt, please call ur dealing desk r Custmer Services Team. 3.5 Tradefair Financials can: - waive Initial Margin in relatin t any particular bet; vary IM Factrs. See clauses 23.1, 29.1, 30.1 and 32.1 f the General Terms and nte that the new IM Factr applies t pen psitins s additinal Initial Margin may becme due t maintain pen psitins. Page 1 f 7

2 4. Minimum and maximum stake sizes 4.1 There are limits n the stake size f any bet yu wish t place, as fllws: - minimum size: yur stake size must at least be equal t the minimum stake size we set; maximum size: yur stake size cannt be mre than: - the maximum stake size we set; r if lwer, the maximum stake calculated by applying the frmulas in Clause 3.2 t yur Current Psitin. Nte: - if yu place a bet n a direct deal basis (as referred t in the 3 rd bullet pint f clause 7.4 f the General Terms), minimum and maximum stake sizes must be cmplied with when we accept yur bet (and maximum stake size is calculated using the Tradefair Financials Price n acceptance); if yu place a bet n a market rder basis (as referred t in the 3 rd bullet pint f clause 7.4 f the General Terms), minimum and maximum stake sizes must be cmplied with when we accept yur bet and when we execute yur bet. In this case maximum stake size is calculated using the Tradefair Financials Price n acceptance and then using the Tradefair Financials Price n executin. 4.2 All the infrmatin yu need t calculate yur Current Psitin is available frm the fllwing surces. These surces als set ut IM Factrs and minimum and maximum stake sizes:- 4.3 We can: - Tradefair PRO. In particular yu need t access yur Accunt t ascertain yur Current Psitin; the Market Infrmatin Sheets, lcated at plus.tradefair.cm change minimum and maximum stake sizes, see clauses 23.1, 29.1, 30.1 and 32.1 f the General Terms; waive any minimum and maximum stake sizes. 4.4 Yu must make sure yu knw the current Initial Margin, IM Factr and minimum and maximum stake sizes applicable t any bet yu wish t place. Yu must als ensure yu understand hw t calculate maximum stake sizes. If yu are in any dubt, please call ur dealing desk r ur Custmer Services Team. 4.5 If the maximum stake size is nil r less yu will nt be permitted t bet unless yu depsit funds in yur Accunt, s that there are sufficient funds in yur Accunt t enable yu t place the bet. 4.6 If yu bet the maximum stake (r mre) n any particular Spread Bet Market any adverse Market mvement may result in Variatin Margin becming due. See clause Rll-Over f futures bets 5.1 We may in ur discretin allw yu t rll-ver a futures Spread Bet befre its expiry date. 5.2 If we allw yu t rll-ver a futures Spread Bet: - the riginal futures Spread Bet is clsed (at the Tradefair Financials Price) and due fr settlement; a new futures Spread Bet is pened (in the same Market, at the same time as the riginal Spread Bet is clsed), at ur prevailing spread and Tradefair Financials Price applicable t rll-vers; any Guaranteed Stp Lss Order that was attached t the futures Spread Bet which is the subject f the rllver is autmatically cancelled and ceases t have effect when that Spread Bet is clsed. Hwever, when we pen the new futures Spread Bet (as abve) we will attach t that new Spread Bet a new Guaranteed Stp Lss Order. The level at which the new Guaranteed Stp Lss Order will be pened will reflect the distance between the futures Spread Bet that has been clsed (as abve) and the Guaranteed Stp Lss Order that was attached t it (i.e. the distance at the time f clsure). 6. Daily funded Spread Bets 6.1 Please refer t the Market Infrmatin Sheets fr details f the Markets n which we ffer daily funded Spread Bets. We can alter thse Markets at any time (thugh this wuld nt affect any daily funded Spread Bets already in place). 6.2 A daily financing charge applies fr each day that a daily funded Spread Bet (relating t individual equities, cash indices, freign exchange r spt metals) remains pen (including weekends and public hlidays). In the case f daily funded Spread Bets relating t individual equities, the financing charge is debited frm yur Accunt in the case f lng daily Page 2 f 7

3 funded Spread Bets and nrmally credited t yur Accunt in the case f shrt daily funded Spread Bets. In the case f daily funded Spread Bets relating t freign exchange if the first currency has a higher interest rate, then yu are nrmally credited interest fr running a lng psitin and debited interest fr running a shrt psitin. If the first currency has a lwer interest rate, then yu are debited interest fr running a lng psitin and nrmally credited interest fr running a shrt psitin. Yu will be debited and nt credited with the financing charge/interest when the relevant interest rate is lwer than the number f basis pints t be deducted frm that relevant interest rate. 6.3 Please refer t the Market Infrmatin Sheets r ur Custmer Services Department fr details f hw the financing charge is calculated. The amunt f the financing charge will vary due t the elements that cnstitute the charge. Fr example, interest rates frm part f the calculatin; therefre the amunt payable will vary in accrdance with interest rate changes. 6.4 We reserve the right t vary: - the methd f calculating the financing charge and/r any elements that frm part f the calculatin; the types f Spread Bets t which the financing charge is applied. The abve applies t all pen psitins as well as new psitins. We will give yu at least 14 days ntice f any such change if it will affect yur pen psitins (subject t ur rights under clause 6.5). In all ther cases we can make such changes with immediate effect. 6.5 If an Event Outside Our Cntrl and/r a Market Disruptin Event ccurs we can immediately vary: - the methd f calculating the financing charge and/r any elements that frm part f the calculatin; the types f Spread Bets t which the financing charge is applied. The abve applies t all pen psitins as well as new psitins. 6.6 Details f current financing charges will be n the Market Infrmatin Sheets (available n plus.tradefair.cm). Details f changes t the financing charges will als be published n the Market Infrmatin Sheets and may either be effective immediately r n such later dates as we specify (in accrdance with clause 6.4 and 6.5). It is yur respnsibility t make sure yu knw hw t calculate the financing charge. If yu are in any dubt, cntact ur Custmer Services Team. 7. Calculatin f prfits and lsses 7.1 Subject t adding r deducting amunts in relatin t the bet cncerned in accrdance with clause 7.2 and subject t relevant adjustments (see fr example clause 32 f the General Terms, Crprate Actin) when yu clse a bet: - yu have made a prfit if the Tradefair Financials Price yu sld at (whether t pen r clse) exceeded the Tradefair Financials Price yu bught at (whether t pen r clse); yu have made a lss if the Tradefair Financials Price yu sld at (whether t pen r clse) was less than the Tradefair Financials Price yu bught at (whether t pen r clse). 7.2 Prfits and lsses n Spread Bets are calculated as fllws: - stake size n clsing multiplied by (difference between clsing Tradefair Financials Price and pening Tradefair Financials Price f the relevant bet); less all amunts payable by yu t us in relatin t that bet, such as in relatin t daily funded Spread Bets (clause 6); plus any financing charge payable by us t yu in relatin t that Spread Bet (see clause 6). 7.3 If yu wish t calculate whether any particular pen bet is in prfit r lss at any given time, yu can d s as prvided in clause 7.2, but using the relevant Marked t Market price as the clsing Tradefair Financials Price. 8. Variatin Margin and clsure f psitins When is Variatin Margin payable? 8.1 Yu must pay Variatin Margin t us if the Risk Level is 75% r less (e.g. 50%). Risk Level is a percentage calculated as fllws: - (Ttal Equity divided by Margin Req) multiplied by Fr the purpse f calculating whether Variatin Margin is payable, and if s hw much, all relevant figures will be cnverted int yur Base Currency in accrdance with clause 27 f the General Terms. Page 3 f 7

4 Hw much is payable? 8.3 The amunt f Variatin Margin yu must pay t us depends n yur Available Equity. Available Equity is calculated as set ut in clause 9.1. The amunt f Variatin Margin yu must pay t us ( Variatin Margin ) is the amunt needed t return yur Available Equity t zer. Fr example if yur Available Equity is minus yu must pay us When must payment be made? 8.4 Variatin Margin is payable immediately upn yur Risk Level reaching 75% r less (e.g. 50%). It is due fr payment immediately n a Variatin Margin Call being made and is payable (in full) in accrdance with the fllwing timescales: - Amunt f Variatin Margin due Less than 10,000 (r currency equivalent). Timescale fr payment Within 5 Business Days (including the date f the Variatin Margin Call if a Business Day). 10,000 r mre (r currency equivalent). If the Variatin Margin Call was made befre nn n a Business Day, full payment must be made n that Business Day. In any ther circumstances, full payment must be made n the next Business Day. Please nte that if Variatin Margin due is less than 10,000 (r currency equivalent) but then rises t 10,000 r mre (r currency equivalent) the timescale fr payment will be that applicable t Variatin Margin f 10,000 r mre (r currency equivalent) (in ther wrds yu will nt be permitted 5 Business Days in which t pay ne tranche). 8.5 Yu must mnitr yur Accunt, and all relevant factrs, s that yu knw the current Risk Level, Available Equity and whether r nt Variatin Margin is payable. All the infrmatin yu need in rder t make these calculatins is available frm the fllwing surces: - Tradefair PRO; the Market Infrmatin Sheets, lcated at plus.tradefair.cm. Yu must als make sure yu understand hw t calculate Risk Level, Available Equity and Variatin Margin. If yu are in any dubt call ur Custmer Services Team. Will I receive Variatin Margin Calls r any ther reminders t pay Variatin Margin? 8.6 We are nt bliged t tell yu if Variatin Margin is payable nr t make a Variatin Margin Call. We have n liability t yu if we fail t tell yu that Variatin Margin is payable and/r fail t make a Variatin Margin Call. 8.7 Despite clause 8.6, we will endeavur t make a Variatin Margin Call t yu:- when the Risk Level reaches 75%; when the Risk Level reaches 50%. 8.8 We will be regarded as having made a Variatin Margin Call if we send yu an requesting payment f Variatin Margin. In additin, will generally be the nly methd by which we make a Variatin Margin Call n yu. Therefre yu must ensure that yu maintain an address at all times and keep us up t date and infrmed f yur current e- mail address. 8.9 We will als be regarded as having made a Variatin Margin Call if we: - use any means f cmmunicatin t cntact yu requesting payment f Variatin Margin, fr example SMS text, pager, vic , telephne, fax r pst; send yu a message via Tradefair PRO; have left a message with smene we reasnably believe will pass the message t yu (e.g. a spuse r wrk clleague), even if yu d nt cntact us; have used ther reasnable means t cntact yu, even if we have been unable t d s and have nt been able t leave a message fr yu. Please nte that we will generally nly use the means f cmmunicatin in this clause 8.9 if: - we have reasnable cncerns that an we have sent has nt been received by yu; fr any reasn we are unable t send yu an ; Page 4 f 7

5 acting reasnably, we think it apprpriate t d s. What happens if I fail t pay Variatin Margin r my Risk Level falls t 25% r less? 8.10 If any f the fllwing ccur we are entitled t clse all pen psitins n yur Accunt and cancel all Orders: - if Risk Level is 25% r less; if yu have failed t pay the full amunt f Variatin Margin due in accrdance with the timescales in clause We can clse yur pen psitins and cancel all Orders as referred t in clause 8.10 with r withut giving yu ntice. If we d s withut giving ntice, we will infrm yu that we have dne s either by r as referred t in clause 8.9. Other Matters 8.12 The fllwing als apply in relatin t Variatin Margin: - 9. Definitins all payments yu make t us must be in yur Base Currency, unless we agree therwise; we nly accept payment f Variatin Margin by telegraphic transfer, debit card r any ther methd f immediate electrnic transfer acceptable t us; subject t the Regulatry System, we can allw yur pen psitins t run, and allw yu t pen new psitins, even if yu have nt paid Variatin Margin payable; Variatin Margin des nt represent yur ttal liability t us. Yu must als, fr example, pay t us any lsses yu have incurred n clsed psitins as well as any ther amunts payable under the Terms. 9.1 The fllwing expressins have the fllwing meanings: - Accunt At-the-Mney Available Equity Binary Spread Bet an accunt with us fr Spread Betting. a term that describes an Optin with a Strike Price that is equal t the current market price f the underlying instrument. Ttal Equity less Margin Req. a Spread Bet that can nly expire at ne f the fllwing prices: In the case f a ne tuch Binary Spread Bet, there can nly be tw pssible settlement prices n expiry: 100 if the event has happened, r zer if it has nt. In the case f up/dwn Binary Spread Bets, r a ladder Binary Spread Bet, there can nly be three pssible settlement prices n expiry: 100 if the event is applicable at the time f expiry, 50 if the event settles at the Strike Price, and zer if the event is nt applicable at the time f expiry. Cash the balance f yur Accunt after all credits and debits have been made (fr example in respect f clsed psitins, but nt pen psitins). Current Psitin the ttal f the fllwing: - Ttal Equity; Less Margin Req. Delta Delta Margin Flating P&L General Terms the rate f change f the Optins price with respect t changes in the underlying price. e.g. an Optin with a Delta f means if the underlying rises by 1 tick then the price f the Optin will increase by 0.25 f a tick (1 tick x f a tick). stake multiplied by Delta multiplied by Underlying Margin%. the ttal f all pen psitins n yur Accunt, Marked t Market. ur general terms and cnditins as amended and/r replaced in accrdance with clause 41 f thse general terms. Page 5 f 7

6 IM Factr Implied Vlatility Initial Margin (als knwn as Margin ) In-the-Mney Margin Margin Req Marked t Market Market Infrmatin Sheets Optin Risk Level the percentage r multiplier specified by Tradefair Financials (in its abslute discretin) in relatin t each Spread Bet Market. the estimated vlatility f the price f the Underlying between the time f calculatin and the time f expiry. funds required by us in Order fr yu t pen (and maintain) a bet, calculated in accrdance with clause 3.2. Please nte that n Tradefair PRO Initial Margin is referred t as Margin. a term that describes an Optin that has intrinsic value. A call Optin is in the mney if the price f the underlying instrument is abve the Strike Price. A put Optin is in the mney if the price f the underlying instrument is belw the Strike Price. this means the same as Initial Margin, please refer t that definitin. the ttal f all Initial Margin in respect f all pen psitins n yur Accunt. the value f an pen psitin calculated at the current Tradefair Financials Price. ur Spread Bet market infrmatin sheets, as amended and/r replaced in accrdance with the General Terms. The Market Infrmatin Sheets are available at plus.tradefair.cm. an ff exchange Optin in respect f Spread Bets. a percentage calculated as fllws:- (Ttal Equity divided by Margin Req) multiplied by 100. Spread Bet/Betting Spread Terms Strike Price Tradefair PRO Ttal Equity spread bet these terms and cnditins as amended and/r replaced; see clause 41 f the General Terms. the price n which Tradefair Financials base and qute a Tradefair Financials Buy Price and Tradefair Financials Sell Price in respect f a particular Optin. any electrnic dealing system we make available t yu via the internet, t facilitate Spread Betting, trading in CFDs and/r Spt Frex, including but nt limited t the systems knwn as Tradefair PRO, Tradefair WEB and Tradefair Mbile, and any rebranded versin f ur sftware r any Applicatin Prgramming Interface (API) the sum f the fllwing:- Cash; Plus any psitive Flating P&L; Less any negative Flating P&L. Variatin Margin as defined in clause 8.3. Variatin Margin Call a request fr payment f Variatin Margin, as referred t in clauses 8.8 and 8.9. Vega the rate f change f the Optins price with respect t changes in the implied vlatility. Vega Margin VlFactr stake size multiplied by Vega multiplied by Implied Vlatility multiplied by VlFactr. the percentage r multiplier specified Tradefair Financials (in its abslute discretin) in relatin t each Underlying and as stated in the Market Infrmatin Sheets. 9.2 Unless therwise stated, a reference (in these Spread Terms) t a clause is t a clause in these Spread Terms. Page 6 f 7

7 10. Law and Jurisdictin 10.1 Our relatins prir t the establishment f any cntract between us, all bets and these Terms shall be gverned by and cnstrued in accrdance with the laws f England Except fr the right f Tradefair Financials belw, the curts f the United Kingdm will have exclusive jurisdictin ver any claim r matter arising under r in cnnectin with these Terms and the legal relatinships established by these Terms. Nthing in this clause shall limit the right f Tradefair Financials t take prceedings against the Client in any ther curt f cmpetent jurisdictin, nr shall the taking f prceedings in any ne r mre jurisdictins preclude the taking f prceedings in any ther jurisdictins, whether cncurrently r nt, t the extent permitted by the law f such ther jurisdictins Yu irrevcably cnsent t any prcess in any legal actin r prceedings arising ut f r in cnnectin with these Terms being served n yu by pst in accrdance with clause 42 f the General Terms. Nthing in these Terms will affect the right f either party t serve prcess in any ther manner permitted by law. 11. Regulatin f Tradefair Financials 11.1 Tradefair Financials ( Tradefair ) is a trading name f GAIN Capital - FOREX.cm UK Limited and is authrised and regulated by the Financial Cnduct Authrity FCA N with registered ffice at 34th Flr (CGC 34-03) 25 Canada Square, Lndn E14 5LQ United Kingdm GAIN Capital FOREX.cm UK Limited. Page 7 f 7

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