TERMS OF BUSINESS AGREEMENT

1. Introduction

1.1 We offer independent financial advice, but occasions can arise where we, or one of our other customers, will have some form of interest in the business that we are transacting for you. If this happens, or we become aware that our interests or those of one of our other customers conflict with your interests, we will inform you in writing and obtain your consent before we carry out your instructions.

1.2 Fluent Independent Financial Advisers Limited is authorised and regulated by the Financial Services Authority.

1.3 When we have arranged any products for which you have given instructions, we will not give you any further advice unless you request it, but will be glad to advise you at any time you ask us to do so. Should you require further advice please contact us.

2. Client Assets

2.1 We will register all products in your name unless otherwise agreed in writing. All contract notes and documents of title in respect of your products will be forwarded to you, unless otherwise instructed in writing, as soon as practicable after being received by us. Where a number of documents relating to a series of transactions are involved, we will normally retain the documents until the series is complete before forwarding them to you.

2.2 WE DO NOT HANDLE CLIENTS' MONEY.

For all parties protection Fluent Independent Financial Advisers Limited is not authorised to handle client money and in the circumstances you should never hand over cash or make cheques payable to Fluent Independent Financial Advisers Limited (unless it is in respect of professional fees for the work carried out on your behalf). Further it is important that any cheques that you do need to write have the payees name completed in full (i.e. you do not use acronyms). Generally product providers are limited companies and as such the payee should end with Limited¨ where appropriate. Please note that we cannot be held responsible for the loss of monies where the payee has not been completed correctly.

3. Termination

3.1 You, or we, may terminate our authority to act on your behalf under this Terms of Business Agreement at any time, without penalty. Notice of this termination must be given in writing and will take effect immediately upon receipt of the notice. Termination will not prejudice the completion of transactions already initiated on your behalf or any rights or obligations already arising.

4. Data Protection and Direct Marketing Information held about you

4.1 In order to advise you properly, we must obtain certain information from you about your financial and personal circumstances, to assess your suitability for particular products and services.

By signing this Terms of Business Agreement:

i. You agree that the information we hold about you can be held on computer and/or paper files.

ii. You agree that any information which you give us may be disclosed to third parties (e.g. credit reference agencies and product providers) for the purpose of processing your application, servicing, administration, and regulatory purposes, or to another firm upon the sale of all or part of our business.

iii. We may pass your details to other companies associated with Fluent Independent Financial Advisers Limited. You may be contacted by either them or us with details of other services that may be of interest to you. Please note that under no circumstances will we pass your details to other companies [outside of the group] for marketing purposes. If you do not wish to receive details from ourselves or other companies within the group, please tick here ....


I/We acknowledge receipt of a Terms of Business Agreement of which the above is a copy and by my/our signature(s) confirm that I/we have read, understand, and agree to the Terms of Business Agreement. *I/We also acknowledge receipt of the Key Facts documents (About our services and about the cost of our services) *Delete if not applicable.

This Terms of Business Agreement will come into effect from the date the agreement is signed





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Signed for and on behalf of Fluent Independent Financial Advisers Limited


Version Number 1, 3rd January 2006


Keyfacts About our Business

Please see attached two forms explaining keyfacts about our business.

1.) About our Services

About our Services

2.) About the Cost of our Services


     # Terms of Business