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2 Client Information Insured: Postal Address: Trading Addresses Full Description of Activities: FCA Client Classification: Waste Managememtn Resources Ltd 7-10 Penhall Road, London, SE7 8RX As above Waste Management Services - Waste Collection, Skip Hire, Waste Transfer Station, Site Clearance & Sale of Reclaimed Materials Commercial Inception Date: 16 th January 2015 Type Of Insurance(s) Selected: Public & Employers Liability Existing Insurers: N/A Claims Information Disclosed: None CD 1/14/ :17:00 AM

3 Client Information Continued Insurance Information Neither you, as the Insured, nor any partner or director of officer in your business has: been convicted or charged (but not yet tried) with a criminal offence (other than a minor motoring offence) received an official caution for a criminal offence within the last three years (other than a motoring offence) ever been declared bankrupt and/or been a director of a Company which has gone into liquidation, administration or receivership ever knowingly failed to conform to legislation pertaining to Health & Safety at work activities. No Insurer has ever: declined a proposal not invited a renewal cancelled or refused to renew a policy imposed special conditions or requested extra precautions to be taken by you or any partner or director or officer in your business. Material Facts We remind you that you have a duty to disclose all material facts. A material fact is defined as any information that may influence an underwriter s acceptance of a risk, for example, a claim or claims, criminal convictions, future anticipated changes to the business including the business description or trade, imposed sanctions by the Health & Safety Executive or Environmental Agency. If you are in any doubt whether a fact is material, it MUST be disclosed, because failure to do so may invalidate your cover and could mean that part or all of a claim may not be paid. This duty remains throughout the duration of the policy and at any subsequent renewal. CD 1/14/ :17:00 AM

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5 Demands & Needs, Suitability Statement You have asked us to provide quotations for the types of insurance detailed in the afore mentioned written quotation summary, or your demands and needs In addition you specific objectives included; Quotation to at least as comprehensive as your existing arrangements to note new business activities as Waste Recycling including own Waste Transfer Station Detailed below are specific information as to why we have recommended the products outlined in each quotation summary and why we feel they are suitable to your requirements following a fair comparison of product providers on your behalf. Where we have only reviewed one product provider, or a limited number of providers we will state this accordingly. Basis of which we have approached the market: Public & Employers Liability: We have only approached the insurers of the Insurance Scheme Marketing Activity: Terms provided in this presentation were by far the most competitive with alternative quotations being in excess of 10,000 Demands and Needs not met: None Basis for Recommendation The quotation recommended in each summary is suitable to your needs as it meets all of the agreed objectives as defined by you and complies with the trading requirements of your industry. The insurer selected is rated financially secure and provides an excellent lever of services. Material Facts We remind you that you have a duty to disclose all material facts. A material fact is defined as any information that may influence an underwriter s acceptance of a risk, for example, a claim or claims, criminal convictions, future anticipated changes to the business including the business description or trade, imposed sanctions by the Health & Safety Executive or Environmental Agency. If you are in any doubt whether a fact is material, it MUST be disclosed, because failure to do so may invalidate your cover and could mean that part or all of a claim may not be paid. This duty remains throughout the duration of the policy and at any subsequent renewal.

6 TERMS OF BUSINESS Accepting our Terms of Business By asking us to quote for, arrange or handle your insurances, you are providing your informed agreement to these Terms of Business. We draw your particular attention to: the section headed Use of personal data, and specifically the paragraph explaining how sensitive personal data will be used; and the section headed Handling money, which explains our terms for handling client money in a Non-Statutory Trust account. If you are unsure about any aspect of our Terms of Business or have any questions regarding our relationship with you, please contact us at the above address. The Financial Conduct Authority Direct Insurance Group Plc is authorised and regulated by the Financial Conduct Authority (FCA), our FCA register number is Our permitted business is advising, arranging, dealing as agent and assisting in the administration and performance of general insurance contracts. You can confirm this on the FCA s Register by visiting the FCA s website or by contacting the FCA on Our service Our role is to advise you and, after we have assessed your needs, to make a suitable recommendation. In situations where we are able to arrange insurance for you but do not offer advice, we shall confirm the position to you in writing. We will not provide further advice or recommendations following the arrangement of insurance cover, unless you notify us of a material change of circumstances or formally request that we review your insurance arrangements. We will usually consider a range of providers to find you the most appropriate product to suit your needs. However depending on your needs we might only consider a specific product from a single provider, or products from a small selection of relevant providers. We may limit the number of providers we ask to those we use for selected types of insurance, through our own specialist facilities, or via a specialist intermediary. We may also choose to use a delegated authority arrangement, which means that we have the authority to do certain things on behalf of the provider. That could include calculating your premiums, issuing your policy documents and administering your claims. We will not in any circumstances act as an insurer nor guarantee or warrant the solvency of any insurer. Complaints and compensation We aim to provide you with a high level of customer service at all times, but if you are not satisfied, please contact our Customer Services Manager at the address shown above. If you are still not satisfied, you may be entitled to refer the matter to the Financial Ombudsman Service (except in the case of a business with a group annual turnover of 1m or more, a charity with an annual income of 1m or more or trustees of a trust with a net asset value of 1m or more). We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. If you are eligible to claim from the FSCS, Insurance advising and arranging is covered for 90% of the claim, without any upper limit. For compulsory classes of insurance (such as Third Party Motor or Employers Liability), insurance advising and arranging is covered for 100% of the claim without any upper limit. Further information about compensation scheme arrangements is available from the FSCS on or Payment for our services We normally earn remuneration by receiving a commission payment from insurers or product providers, this amount will usually be calculated as a percentage of the insurance premium and the percentage will have been contractually agreed with the insurance company. We can also earn remuneration by charging you a fee for our services. Whenever we charge a fee, that amount will be agreed with you in advance and will be disclosed to you separately to the insurance premium. We therefore may charge you a fee and earn commission when placing your insurances. On request we will be pleased to provide information about any commission received by us in the handling of your insurances. We also earn remuneration for mid term adjustments made to your policy by you (mid-term adjustment fee = 25) The quote / renewal presentation will tell you the total price to be paid and identifies any fees, taxes and charges separately from the premium. We also draw your attention to the sections below headed Cancellation of Insurances and Ending your relationship with us. We also reserve the right to charge a 25 administration fee if a cheque is not honoured by your bank and for any type of defaulted payment. Handling money Our financial arrangements with most insurance companies are on a Risk Transfer basis. This means that we act as agents of the insurer in collecting premiums and handling refunds due to clients. In these circumstances such monies are deemed to be held by the insurer(s) with which your insurance is arranged. If Risk Transfer does not apply and such monies will then be held by us in a Non-Statutory Trust account pending payment. The establishment of the Non-Statutory Trust account follows the rules which the FCA introduced to protect money held by authorised intermediaries. However, you should be aware that, under the Non-Statutory Trust account rules, we are permitted to use such monies temporarily held to advance credit to clients generally. A copy of the Deed of Trust is available on request or may be inspected at our premises during normal office hours. If you object to your money being held in a Non-Statutory Trust account you should advise us immediately. Otherwise, your agreement to pay the premium together with your acceptance of these Terms of Business will constitute your informed consent to our holding your money in a Non- Statutory Trust account. Interest earned on monies held in such a Non-Statutory Trust account will be retained by us. For the purpose of some transactions, client money may pass through other authorised intermediaries before being paid to the insurer.

7 Presentation Created on 1/14/ :17:00 AM Cancellation of insurances / Return Premiums If you are a consumer acting for purposes outside of your trade or profession, you may be entitled to cancel your insurance policy for any reason within 14 days of receiving the full policy terms. We will charge 25 to cover our administration costs within this period and the insurer may be entitled to retain a portion of the premium. You may not be entitled to a refund of premium if a claim has been made against your insurance policy. For full details of this entitlement and whether you are eligible, please refer to the insurance policy wording. You should make any request for the cancellation of a policy in writing and any relevant certificate of insurance must be returned to us or to the insurer concerned immediately. In the event of any cancellation outside the above entitlement we will charge a cancellation fee of Any return premium including return premiums caused by an amendment to your policy will be refunded net of any commission earned. Any arrangement or administration fees charged throughout the policy are not re-fundable. The terms of your policy may allow insurers to retain the premium in full or to charge short-period premiums in the event of cancellation before the policy expires. For minimum and deposit premium polices there is no return on cancellation. Please check with us before providing cancellation instructions. Ending your relationship with us Subject to your immediate settlement of any outstanding premiums and fees, you may instruct us to stop acting for you and we will not impose a penalty. Your instructions must be given in writing and will take effect from the date of receipt. In circumstances where we feel we cannot continue providing services to you, we will give you a minimum of 7 days notice. Unless otherwise agreed in writing, if our relationship ends, any transactions previously initiated will be completed according to these Terms of Business. You will be liable to pay for any transactions concluded prior to the end of our relationship and we will be entitled to retain commission received for conducting these transactions, together with all fees charged by us for services provided. Your responsibilities You are responsible for providing the complete and accurate information which insurers require in connection with any proposal for insurance cover. This is particularly important before taking out a policy and at renewal, but it also applies throughout the life of a policy. If you fail to disclose information, or misrepresent any fact which may influence the insurer s decision to accept the risk or the terms offered, this could invalidate the policy and mean that claims may not be paid. You must check all details on any proposal form or Statement of Facts and pay particular attention to any declaration you may be asked to sign. It is important that you read all insurance documents issued to you and ensure that you are aware of the cover, limits and other terms that apply. Particular attention must be paid to any warranties and conditions as failure to comply with them could invalidate your policy. You must inform us immediately of any changes in circumstances which may affect the services provided by us or the cover provided by your policy. If you are unsure about any matter, terminology or what constitutes a material fact then please contact us immediately for guidance. Use of personal data We will process any personal information we obtain in the course of providing our services to you in accordance with the Data Protection Act In administering your insurances it will be necessary for us to pass such information to insurers and other product or service providers which may also provide us with business and compliance support. We may also disclose details to relevant parties, as necessary, to comply with regulatory or legal requirements. We may contact you or pass your details to other companies associated with us in order to promote products or services which may be of interest to you. We will not otherwise use or disclose the personal information we hold without your consent. Some of the details you may be asked to give us, such as information about offences or medical conditions, are defined by the Act as sensitive personal data. By giving us such information you signify your consent to its being processed by us in arranging and administering your insurances. Subject to certain exceptions, you will be entitled to have access to your personal and sensitive personal data for which you will be charged a fee of 10. If at any time you wish us, or any company associated with us, to cease processing any of the personal data or sensitive personal data we hold, or to cease contacting you about products and services, please write to our Customer Service Manager at the address shown above. Conflict of interests Occasions can arise where we or one of our associated companies, clients or product providers may have a potential conflict of interest with business being transacted for you. If this happens, and we become aware that a potential conflict exists, we will write to you and obtain your consent before we carry out your instructions and we will detail the steps we will take to ensure fair treatment. Claims handling arrangements You should take note of the required procedures in the event of a claim, which will be explained in the policy documentation. Insurers require immediate notification of a claim or circumstances which might lead to a claim. Failure to notify insurers immediately can prejudice their position and investigation and result in the repudiation of the claim. Please notify us immediately within our office hours of any incident or accident that could result in a claim, we will inform the insurer without delay. We will employ due care and skill if we act on your behalf in respect of a claim.