Association of Life Partners Non-Disclosure Agreement:
ALP (Association of Life Partners) is independent and can advise you on the products and services of different companies.

1. Independent status - Occasions can arise where we, or one of our other customers, will have some form of interest in business which 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 ensure that you receive fair treatment in accordance with the rules and guidance laid down by the Financial Services Authority.

2. Client classification - ALP classifies all clients as Private Customers, and will endeavor to provide all clients with the level of service and advice that a Private Customer could reasonably expect. However, irrespective of ALP's classification, any client who would ordinarily be considered to be an Intermediate Customer or Market Counter party may not necessarily have rights under the Financial Ombudsman Service or the Compensation Scheme.

3. Client instructions - We normally ask you to give instructions in writing. We may at our discretion accept oral, facsimile or electronic instructions on the condition that written confirmation of any such instruction is issued on the same or next working day as the oral, facsimile or electronic instruction.

4. Investment reviews - When we have arranged an investment for which you have given us instructions, we will not undertake any regular or periodic review of that investment, but will be glad to advise you at any time you ask us to do so.

5. Records - You or your nominated agent may inspect contract notes, vouchers and entries in our books (whether kept manually or electronically) which relate solely to your investments. As all our clients' records are confidential we reserve the right to give you copies of extracts from our records if to do otherwise would allow access to files containing records about other clients. We keep records of all our business transactions for at least six years.

6. Commencement / termination - These Terms and Conditions of Business come into force with immediate effect upon delivery. You, or we, may terminate our authority to act on your behalf with immediate effect. This may be done at any time, without penalty, but notice must be given in writing. Termination will be without prejudice to the completion of transactions already initiated. Whenever possible, we will give 10 business days notice of any amendments to these Terms and Conditions of Business before transacting business with you, unless it is impractical to do so.

7. Remuneration - ALP is remunerated for its services and advice on either a commission basis or a fees basis. Fees are calculated on the basis of the time spent on the work and the charging rate depends upon the seniority, qualifications, knowledge and experience of the planner or director advising you. Before commencing work you will be notified the level of fees in your case. Some fees are subject to VAT where appropriate. At your request, we will provide an estimate of the likely fee in advance of carrying out any chargeable work.

8. Fees - Fees may be abated to the extent of any remuneration which we receive from third parties in connection with any transactions arranged by us for you. We will endeavor to have any such remuneration reinvested on your behalf or waived where this is to your benefit. Where we receive such remuneration which exceeds the fees payable by you at any time we retain that excess remuneration. In the event that we carry out further work for you in respect of which we would charge fees we will, at our discretion, take the amount of the excess remuneration we have retained into account when determining such future fees. If we receive commission and the relevant policy or investment is surrendered, lapsed or altered by you, so that commission is then repayable by us to a third party, and we have used the commission to reduce our fee to you, or otherwise set it against our charges, we reserve the right to re-invoice you for the shortfall.

9. Client Money - ALP does not handle client money. We never accept a cheque made out to us (unless it is a cheque in settlement of charges or disbursements for which we have sent you a bill) or handle cash. Any such cheques received by us will immediately be returned to you by ordinary post to your last known address.

10. Investment registration - All investments will be registered in your name unless you instruct us otherwise in writing. If you instruct us to register investments in the name of, or jointly with, any third party we shall accept no liability for their default.

11. Policy Documents - Policies, certificates or other documents showing ownership of your investments will normally be sent directly to us. They will then be forwarded to you as soon as is practical in the circumstances.

12. Data Protection - ALP will use your information in the provision of financial advice and services associated with financial advice.

We will not sell your details to any other third party, but we may share your information with other ALP companies and may pass it to other carefully selected third party organizations in order to assist us in providing you with products and services. We or they may contact you by mail or telephone to let you know about products or services which may be of interest to you.

13. Legal Jurisdiction - This agreement will be governed by and construed in accordance with the laws of England and Wales and any dispute will be subject to the exclusive jurisdiction of the courts of England and Wales.