Trusted Advisor is a trading name of Trusted Advisor Limited which is authorised and regulated by the Financial Services Authority (FSA), 25 The North Colonades, Canary Wharf, London, E14 5HS, and is bound by its rules. Trusted Advisor is entered on the FSA register and their registration number is 225179. Registration can be checked on the FSA's website www.fsa.gov.uk/Pages/register or by contacting the FSA on 0845 606 1234. The contact and registered address of Trusted Advisor Ltd is: The Old Exchange, 234 Southchurch Road, Southend-on-Sea, Essex SS1 2EG.

Trusted Advisor is an independent broker and advisor and is authorised as an investment intermediary in respect of UK listed and unlisted securities, foreign securities, collective investments, pension funds, life assurance. We are able to offer life policies and life assurance from the whole market. It is essential that you read and understand these Terms & Conditions prior to applying for our services. Your use of our services will confirm your acceptance of these Terms & Conditions.

GENERAL TERMS & CONDITIONS

1. DUE CARE AND DILIGENCE

The company will exercise due care and diligence in conducting their business, but will not be liable for any depreciation of investments arranged by them.

2. CLIENT CLASSIFICATION

All clients of Trusted Advisor will be classified as a 'retail' client. This will provide you with the maximum regulatory protection available to you. Should your classification change in the future, we will advise you accordingly in writing and obtain your agreement before proceeding with any financial planning advice.

3. COMPLAINTS PROCEDURE

We have a written policy for handling complaints and how we ensure we deal with each complaint promptly and fairly. You can obtain a summary from us should you so request. Should you have cause to complain for any reason a copy of our policy for handling of complaints will be automatically sent to you. Please direct your complaint to the Director at the company address. Clients should be aware that if they are unhappy with any response to a complaint received from the company, they may complain directly to the Financial Ombudsman Service. If you are an eligible claimant under the rules of the Financial Services Authority, you will also be protected by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we cannot meet our obligations. Compensation is provided for the first £30,000 of any claim in full and 90% of the next £20,000 so the maximum compensation from this scheme would be £48,000. Further information about compensation arrangements is available from the Financial Services Compensation Scheme. The Financial Services Compensation Scheme also provides awards if any third party institution we may use is declared in default or insolvent.

4. LEVEL OF SERVICE

Trusted Advisor will conduct a full review of your circumstances. Any advice that we give will be based on your financial objectives and your attitude to investment risk and will endeavour to ensure that any recommendation made is suitable for you. Any recommendation made will be confirmed in writing to you. Should you decline to provide the information requested about your circumstances then we may decline to continue with the business relationship since we would not be able to demonstrate that the recommendation is suitable for you. Investments can go down in value as well as up and you could get back less than you invest. The past is not a guide to future performance.

5. RIGHT TO AMEND

We reserve the right to amend these terms and will give you notice in good time before making material changes.

• Incidental changes will be notified via an update to the Terms & Conditions on the Trusted Advisor website.

• Material changes will be notified to you at least 30 days in advance of the change taking place.

6. DATA PROTECTION

The company ensures that all data will be held in compliance with current and future legislation. You consent to us releasing information about you to regulated entities in order to obtain any quotations/arrange investments or insurance at your request.

The company will keep you informed of financial products and services by email, telephone, fax, post or other reasonable means. If you do not wish to receive marketing material from the company please let us know. The company will maintain records of data held on clients for a period of 6 years from the date of their last transaction. For your security, and training purposes, telephone calls may be recorded. They may be used as evidence in the event of any dispute with the company. You agree to us sharing any information that we hold about you with a fraud reference agency should it be required. You can access the data held by Trusted Advisor Ltd at any time. A fee of £10 may be charged to cover costs. The information held about you, on both hard copy and computer, will be sent to you within 40 days of the initial request.

7. DELAY IN PROCESSING

The company will not be held responsible for any delay beyond its control, or as a result of a failure by any party (including the client) to complete all the necessary steps to process a transaction.