Client Agreement

 Wilson Weir and Company

INDEPENDENT FINANCIAL ADVISERS

Corner House, North End, Ballyclare, Co Antrim BT39 9BN

 Tel: 028 9332 2169   Fax: 028 9335 4149

email : wwandco@live.co.uk

           www.wilsonweir.co.uk

Principal : Wilson Weir (Cert) PFS

This agreement is issued on behalf of Wilson Weir & Co of Corner House, North End, Ballyclare, Co Antrim BT39 9BN whom can be contacted at 02893 322 169.

Authorisation Statement

Wilson Weir & Co is Authorised and Regulated by the Financial Services Authority. The Financial Services Authority regulates the financial services industry in the UK and their address is 25 The North Colonnade, Canary Wharf, London, E14 5HS. You can check this on the FSA’s Register by visiting the FSA’s website www.fsa.gov.uk/register FSA No. 230111 or by contacting the FSA on 0845 606 1234.

Client Categorisation

Each client with whom the firm does business is categorised as to identify the level of regulatory protection. We propose to classify you as ‘Retail Client’ for Investment purposes.



Communications

We will communicate with you in English both verbally and written for the sending and reception of orders. To avoid any doubt, Instructions should be issued in writing.

Services to be provided

With regards to investments, which we have arranged for you, these will not be kept under review but we will advise you upon your request. However, we may contact you in the future by means of an unsolicited promotion should we wish to contact you to discuss the relative merits of an investment or service which we feel may be of interest to you. On issue of this letter any subsequent advice or recommendation offered to you will be based upon your stated investment objectives, cceptable level of risk and any restrictions you wish to place on the type of investments or policies you are willing to consider. We will issue you a suitability report to confirm our recommendation. Unless confirmed we will not place any restrictions on our recommendations.

Wilson Weir & Co does not handle clients’ money. We never accept a cheque made out to us unless the cheque is in settlement of charges or disbursements for which we have sent you an invoice or handle cash.

We will also make arrangements for all your investments to be registered in your name unless you first instruct us otherwise in writing. We will forward you all documents showing ownership of your investments as soon as practicable after we receive them, where a number of documents are due involving a series of transactions, we
normally hold each document until the series is complete, then forward them to you.

Restrictions

Unless advise to the contrary, we will assume that you wish to place no restrictions on the types of investment we may recommend and in which you may subsequently invest.  We will assume that you wish to place no restrictions on the markets in
which transactions are to be executed. A full listing of products is available from your adviser upon request.

Advise and Instructions

Any advice given to you by us shall be in writing. We prefer our clients to give us
instructions in writing, to aid clarification and avoid future misunderstandings. We will, however, accept oral instructions provided they are confirmed in writing. We may, at our discretion, refuse to accept instructions although such discretion shall not be exercised unreasonably. We will record all transactions in our files which, along with copies of relevant documentation, will be retained by us for a period of not less than six years. You have the right to inspect copies of contract notes, vouchers and
entries in our books or computerised records relating to your transactions. We reserve the right to withhold copies of these records if information to other parties would be disclosed.

Material Interest

We will act honestly, fairly and professionally known as conducting business in ‘Clients best interest’ regulations. Occasionally situations may arise where we or one of our other clients have some form of interest in business transacted for you. If this happens or we become aware that our interests or those of one of our other clients conflict with your interest, we will write to you and obtain your consent before we carry out your instructions, and detail the steps we will take to ensure fair treatment.In accordance with the rules of our regulator, The Financial Services Authority, we are prohibited from accepting any payment (commission or other non-monetary benefits) which is likely to conflict with the duty of the firm to its clients.The principals of Wilson Weir & Co have a minority shareholding in Capital Reward Ltd. Capital Reward Ltd is a subsidiary of our compliance support company and generates its income from the placement of business with certain product providers. The business placed is intended to add value to the shares in that company and the long term aim is for the shares to be sold, thereby providing a deferred cash benefit to the shareholders. The existence of the shareholding and any potential benefit will in no way influence our recommendation in relation to the most suitable product or provider.On request we will be pleased to provide you with a list of the providers from whom such benefits may be earned. We can also confirm that the provision of the shares and their potential benefits do not affectyour product terms.



Right to Cancel

We will inform you of your statutory right to cancel. The Distance Marketing Directive normally grants you 30 days in which you may cancel a life or pension contract. However there will be occasions where no statutory rights are granted, however this will be explained before any contract is concluded.

Complaints

If you wish to register a complaint, please contact us in writing to Wilson Weir & Co, Corner House, North End, Ballyclare, Co Antrim BT39 9BN or by telephone at 02893322169. if you cannot settle your complaint with us, you may be entitled to
refer it to the Financial Ombudsman Service.

Compensation Scheme

We are covered by the Financial Services Compensation scheme (FSCS) if we cannot meet our obligations. This is dependent upon the type of business and the circumstances of the claim. Most types of investment business are covered by 100% of the first £85,000. Further information about this compensation scheme arrangement
is available from the FSCS.

Data Protection

The information you have provided is subject to the Data Protection Act 1998 (the “Act”). By signing this document you consent to us or any company associated with us for processing, both manually and by electronic means, your personal data for the purposes of providing advice, administration and management. “Processing” includes obtaining, recording or holding information or data, transferring it to other companies associated with us, product providers, the FSA or any other statutory, governmental or regulatory body for legitimate purposes including, where relevant, to solicitors and/or other debt collection agencies for debt collection purposes and carrying out operations on the information or data.

In order to provide services to you we may be required to pass your personal information to parties located outside of the European Economic Area (EEA) in countries that do not have Data Protection Laws equivalent to those in the UK. Where this is the case we will take responsible steps to ensure the privacy of your information.

We may also contact you or pass your details to other companies associated with us to contact you (including by telephone) with details of any other similar products, promotions, or for related marketing purposes in which we think you may be interested.

The information provided may also contain sensitive personal data for the purposes of the Act, being information as to your physical or mental health or condition; the committing or alleged committing of any offence by you; any proceedings for an offence committed or alleged to have been committed by you, including the outcome or
sentence in such proceedings; your political opinions, religious or similar beliefs, sexual life; or your membership of a Trade Union.

If at any time you wish us or any company associated with us to cease processing your personal data or sensitive personal data, or contacting you for marketing purposes, please contact The Data Protection Officer on 02893322169 or in writing at Corner House, North End, Ballyclare, Co Antrim BT39 9BN.

You may be assured that we and any company associated with us will treat all personal data and sensitive personal data as confidential and will not process it other than for a legitimate purposes. Steps will be taken to ensure that the information is accurate, kept up to date and not kept for longer than is necessary. Measures will also be taken to safeguard against unauthorised or unlawful processing and accidental loss or destruction or damage to the data.





Law

This client agreement is governed and shall be construed in accordance with Northern Ireland Law and the parties shall submit to the exclusive jurisdiction of the Northern Ireland Courts.

Force Majeure

Wilson Weir & Co shall not be in breach of this Agreement and shall not incur any liability to you if there is any failure to perform its duties due to any circumstances
reasonably beyond its control.



Termination

The authority to act on your behalf may be terminated at any time without penalty by either party giving seven days notice in writing to that effect to the other, but without prejudice to the completion of transactions already initiated. Any transactions effected before termination and a due proportion of any period charges for services shall be settled to that date.

Declaration

Client consent

This is our standard client agreement upon which we intend to rely. 
For your own benefit and protection you should read these terms
carefully before signing them. If you do not understand any point please ask for further information.



Please tick this box if you do not wish for us or any company associated with us to contact you for marketing purposes by e-mail, telephone, post or SMS.

I have chosen for the firms to be remunerated by;

07/2011