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Key Facts about our services and costs

Client Agreement

Treating Customers Fairly

about our services and costs

1. The Financial Services Authority (FSA)

The FSA is the independent watchdog that regulates financial services. This Document is designed by the FSA to be given to consumers considering buying certain financial products. You need to read this important Document . It explains the service you are being offered and how you will pay for it.

2. Whose products do we offer?

Investment

We offer products from the whole life assurance, pensions and investment market within our authorisation.

We only offer products from a limited number of companies. - Ask Us for a list of the companies and products we offer.

We only offer products from a single group of companies.

Insurance

We offer products from a range of insurers for - Term/reducing term Insurance, PHI, Medical & Critical Illness cover, and mortgage related General Insurance. ? Ask us for a list of the Insurers we offer insurance from.

We only offer products from a limited number of insurers. - Ask us for a list of the insurers we offer insurance from.

We only offer products from a single insurer.

Home Finance Products

We offer regulated mortgages and equity release products from the whole market.

We only offer mortgages and equity release products from a limited number of companies. - Ask us for a list of the companies we offer mortgages and equity release products from.

We only offer mortgages and equity release products from a single company.

3. Which service will we provide you with?

Investment

We will advise and make a recommendation for you after we have assessed your needs.

You will not receive advice or a recommendation from us. We may ask questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.

We will provide basic advice on a limited range of stakeholder products and in order to do this we will ask some questions about your income, savings and other circumstances but we will not:

* Conduct a full assessment of your needs;
* Offer advice on whether a non-stakeholder product may be more suitable

Insurance

We will advise and make a recommendation for you after We have assessed your needs for ? Term/reducing term Insurance, PHI, Medical & Critical Illness cover and mortgage related General Insurance

You will not receive advice or a recommendation from us on - Term/reducing term Insurance, PHI, Medical & Critical Illness cover, or mortgage related General Insurance. We may ask questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.

Home Finance Products

We will advise and make a recommendation for you on regulated mortgages and equity release products after we have assessed your needs.

You will not receive advice or a recommendation from us. We may ask questions to narrow down the selection of regulated mortgages and equity release products that we will provide details on. You will then need to make your own choice about how to proceed.

4. What will you have to pay us for our services?

Investment

You will pay for our services on the basis of you choosing either ? FEES charged and invoiced to you by our Advisers / Appointed Representatives or ? COMMISSIONS paid to us by the relevant product provider / lender / insurer.

Paying by Fee

Whether you buy a product or not, you will pay us a fee for the advice and services of our Advisers / Appointed Representatives, which will become payable on completion of their work. If we also receive commission from the relevant product provider / lender / insurer when you buy a product, we will pass on the full value of that commission to you in one or more ways. For Example ? We could reduce Our fee; or reduce your product charges: or increase your investment amount, or refund the commission to you.

Our Advisers / Appointed Representatives will agree with you the rate to be charged before beginning any work. Any fee agreed will be subject to a separate Fee Agreement and you will be told if you have to pay any VAT.

Our typical hourly rates are:

* Principal ? up to £150/hour.
* Financial Adviser ? up to £100/hour
* Administration - £45/hour

You may ask us for an estimate of how much in total might be charged or ask us to quote for a particular project . You can also ask us not to exceed a given amount without checking with you first.

Paying by Commission(through product charges)

If You buy a financial product, we will normally receive commission on the sale from the relevant product provider / lender / insurer. Although you pay nothing to us up-front, ,that does not mean our service is free. You still pay us indirectly through product charges. Product charges pay for the product provider?s own costs and any commission. These charges reduce the amount left for investment. If you buy direct, the product charges could be the same as when buying through an adviser, or they could be higher or lower.

The amount of commission we receive will vary depending on the amount you invest and (sometimes) how long you invest for, or your age. For Example ?

* If you invest £10,000 into a Single Premium Bond, we would receive commission of between 5% and 7% of the sum invested (£500 / £700).
* If you pay £100/month into a Personal Pension Plan (with a term of 25 years) then we would receive commission of 6% of your first 24 payments in year 3 (£144) and then 0.25% of the value of your fund each year, for the remainder of the term.
* If you pay £100/month into a Whole Life Policy at age 40, then we would receive 90% of the first 12 months payments (£1080) initially and 2.5% (£30) per year of all payments from month 48.

We will tell you how much the commission will be before you complete the investment, but you may ask for this information earlier.

Insurance

A fee for any ? Term/reducing term Insurance, PHI, Medical & Critical Illness cover and mortgage related General Insurance we arrange for You.

No additional fee for any ?Term/reducing tem Insurance, PHI, Medical & Critical Illness cover and mortgage related General Insurance arranged for you by us.

You will also receive a quotation which will tell you about any other fees / remuneration relating to any particular insurance policy.

Home Finance Products

No fee. Instead, we will be paid a ?Procuration Fee? or commission by the lender / provider.

The relevant lender / provider may charge you an Arrangement, Booking, or Valuation Fee, and may pay us commission in respect of Your mortgage or equity release product. Any fees charged by our Advisers and Appointed Representatives will be limited to either ? A flat fee of £500 payable at the outset or, a fee on completion of the transaction of up to 1% or £3,000 if lower. Such fees will be advised to you, and your written agreement sought before you proceed.

You will also receive a Key Facts Illustration when considering a particular mortgage / product which will tell you about any fees relating to it. All fees and commissions applicable will be disclosed to you in writing.

Refund of Fees

If our Advisers or Appointed Representatives charge you a fee and your mortgage or equity release product does not go ahead, You will receive:

* A full refund if the lender / provider rejects your application.
* Normally, no refund if you decide not to proceed or if your application is rejected. However, We may at our absolute discretion agree to a refund of up to one-third of the fee charged.

5. Who regulates us?

Julian Harris Financial Consultants are authorised and regulated by the Financial Services Authority. Our FSA Register number is 153566 and Our permitted business is - advising on and arranging life, pensions, investments, mortgages, equity release products and related general insurance policies and services. We are responsible for the advice given by and the activities of, our Advisers and Appointed Representatives. You can check this on the FSA?s Register, by visiting the FSA?s website on (www.fsa.gov.uk/Register) or by contacting the FSA on (0845) 606 1234

Julian Harris Financial Consultants is associated with Julian Harris Mortgages LTD

6. What to do if you have a Complaint?

If you wish to register a complaint, please contact us:

...in writing Write to ? The Compliance Officer
Julian Harris Financial Consultants
Julian Harris House
Musgrove
ASHFORD, TN23 7UN
Kent

...by phone Telephone ? (01233) 661960 If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

7. Are We covered by the Financial Services Compensation Scheme (FSCS) ?

We are covered by the 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.

Investment Business-

Most types of Investment Business are covered for 100% of the first £30,000 and 90% of the next £20,000, so the maximum compensation is £48,000.

Insurance-

Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit.

Mortgages-

Mortgage and equity release advising and arranging is covered for 100% of the first £30,000 and 90% of the next £20,000, so the maximum compensation is £48,000.

Further information about compensation scheme arrangements is available from the FSCS.

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This Document should be read in conjunction with Our Client Agreement supplied

Client Agreement

JULIAN HARRIS FINANCIAL CONSULTANTS (?the Firm?) of Julian Harris House, Musgrove, Ashford, TN23 7UN, are Independent Financial Advisers, Mortgage & GeneraI Insurance Intermediaries authorised and regulated by the Financial Services Authority (FSA). The Firm will advise on, recommend and arrange transactions in financial services business within its scope of authorisation in accordance with Your instructions and subject to these Terms, having ascertained and recorded Your relevant personal and financial needs and circumstances

Life, Pensions and Investments

1. Written instructions will normally be required before the Firm will act for You, but at Firm?s discretion, it may act on oral instructions, which will be confirmed in writing.

2. The Firm undertakes not to transact any business for You in which the Firm, or to The Firm?s knowledge any of its other Clients, have an interest, without Your consent. If the Firm becomes aware that its interests, or those of any one of its other clients conflict with Your interests, the Firm will inform You in writing of that fact and obtain Your written consent before acting on Your instructions.

3. Your understanding of risk, as conveyed to the Firm, is recorded in Your file maintained by the Firm. There are no restrictions on the types of designated investment or markets in which You wish to invest, subject to any specific instructions received in writing from You.

4. The Firm may at its discretion review its records of Your investments and related matters, but will advise You only on Your request. It may, where appropriate, request You to update personal/financial information held on file by completing a suitable questionnaire, or through a review meeting.

5. Investment products all carry some risk whereby their value and any income derived from them can go down as well as up and You may not get back the money invested. No guarantees are given by the Firm, either expressly or by implication, on the future performance of any investment, and past performance should not be taken as any indication of future capital growth or income yield.

6. All investments will be registered in Your name unless the Firm is otherwise directed by You in writing. The Firm will not realise any assets belonging to You without Your written instructions.

Mortgages

7. The Firm is authorised to transact Lifetime Mortgage and Home Reversion business.

8. The Firm periodically reviews the Mortgage Market in order to select the Lenders appropriate to its Clients needs. The Firm will prior to any advice being given or recommendations made, ascertain and assess Your personal/financial background, Mortgage needs and appreciation of Mortgage risk. In this context, the Firm will procure the provision of client specific illustrations, product brochures, key features and ancillary documentation relating to any Mortgage product recommended.

General Insurance

9. The Firm will assess Your General Insurance demands/needs and will advise, recommend and place insurance cover in accordance with Your instructions. In this context the Firm will procure provision of specific quotes, key features, policy documents and ancillary material, including claims procedures relating to any General Insurance cover recommended/placed.

10. The Firm may in appropriate circumstances place Your General Insurance business through another authorised broker, arrange for You to deal directly with the relevant Insurer, or make special arrangements with a particular Insurer concerning the issue of policies or the handling of claims. In such circumstances, the Firm will advise You accordingly.

11. The Firm will not be liable in the event of a claim on any Insurance Product, the commencement of which is unavoidably delayed owing to the relevant Adviser being engaged on other business or away on leave

12. The Firm has no authority to handle claims on behalf of Insurers. When the Firm receives notification of an incident that may give rise to a claim under Your policy, the Firm will direct You towards the relevant Insurers ?Help-line?, or report the claim on Your behalf without delay. On no account should You admit any liability relating to any claim or agree any course of action (other than minimising the loss) until the Insurer?s consent is obtained.

Miscellaneous

13. The Firm may, prior to acting on Your behalf, require production of adequate evidence of Your identity/residence. You hereby agree to provide such evidence on request. The Firm may also forward to You, from time to time, promotional material concerning Financial Services, Home Finance, or General Insurance products, of which it considers You ought to be aware, unless You inform the Firm that You do not wish it to do so.

14. (a) All advice given and recommendations made by the Firm, including the underlying reasoning, will be confirmed to You in writing by way of a Suitability Report.

(b) You hereby consent to any personal and financial information supplied to the Firm being stored, used and transmitted to Product Providers/Lenders/Financial Services Institutions and Credit Reference Agencies, in the context of advising/making recommendations on, and arranging transactions in, Life, Pensions, Investment, Home Finance and General Insurance business on Your behalf.

15. The Firm does not hold Client?s assets. Documentation evidencing title to such assets or belonging to You will be dispatched to You (at Your own risk) within 7 days of receipt by the Firm, unless otherwise instructed by You. Where a document forms part of a series within one transaction, the Firm reserves the right to retain such a document until the series is complete before dispatching them.

16. The Firm undertakes to keep Your records in accordance with the FSA Rules and will supply on demand to You copies of documentation/correspondence/entries in books or electronic recording media, relating to Your transactions. The Firm reserves the right to make a small charge in respect of copying costs.

17. The Firm does not handle Client money. All premium, contribution or fee payments in respect of financial services business (other than invoiced fees due to the Firm) should be drawn in favour of the relevant Product Provider/Lender/Insurer.

18. The Firm is normally remunerated by commissions and fees it received from Product Providers/Lenders/Insurers or fees charged to and received from You. For further details please see the ?Key Facts about our services and costs?, supplied.

19. The Firm?s authority to act on Your behalf may be terminated at any time, without penalty and without prejudice to the completion of transactions already initiated, by either party giving immediate notice in writing to that effect to the other. Transactions in progress at the time of termination shall be processed to completion as if the termination had not taken place, unless specifically aborted by You in writing.

20. You are fully responsible for the disclosures within and the accuracy of, any Form, Application or Proposal signed by You, notwithstanding any assistance that may have been given to You by The Firm?s staff or Advisers or Appointed Representatives in the completion of such documentation.

21. For any complaints or claims concerning the Firm?s services, please refer to Items 6 & 7 of the ?Key Facts about our services and costs ? supplied.

The Firm?s Complaints Procedure is available on request and the Firm maintains adequate Professional Indemnity Insurance as required by the FSA Rules. The Firm reserves the right to seek and enforce reimbursement from You its expenses should a complaint You make against it through the Financial Ombudsman Service be found by them to be vexatious or frivolous.

22. Customers (Clients) to whom these Terms apply are classified under the FSA Rules as ?Private? or ?Intermediate? customers for Life, Pensions, and Investment business and ?Retail? and ?Large Business? customers for Mortgage business. For General Insurance transactions they are classified as ?Retail? or ?Commercial? customers. Clients classified as Intermediate, Large Business or Commercial customers will normally have lesser rights to information disclosure, complaints, and compensation than those classified as Private or Retail customers. For the purposes of this Agreement, You are classified as a PRIVATE / RETAIL customer unless otherwise advised.

23. Where you abort a transaction which results in the Company having to repay all, or a portion, of commissions/fees earned, the Company reserves the right to charge You an amount based on the time spent in respect of the aborted transaction. The Company will not, however, levy such a charge where You abort a transaction pursuant to a Cancellation Notice issued by the relevant Product Provider.

24. These Terms came into force in June 2009 and are not assignable. Their contents are governed by and construed in accordance with English Law and are subject to the exclusive jurisdiction of the English Courts.
The terms of this Agreement should be read in conjunction with the ?Key Facts about our services and costs? supplied.

Risk Warning on Mortgage Advice:-

You should note, at all times that, YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. BUY TO LET (PURE) AND COMMERCIAL MORTAGES ARE NOT REGULATED BY THE FSA.

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Treating Customer Fairly (TCF)

Ogden-Starkel Financial Services Ltd. is an Appointed Representative of with Julian Harris Financial Consultants Ltd.

We are committed to offering our clients the highest possible standards of service. In so doing we are pleased to support the Financial Services Authority initiative 'Treating Customers Fairly'
will look after your best interests and treat you fairly in all aspects of our dealings with you.

commitment to you
We will:

Clearly explain and provide you with our Key Facts about our services we offer, products, and our fees and chargesexplain and provide you with our Terms of Businessabout your circumstance, needs & preferences prior to recommending a mortgage/investmentrecommend a mortgage/investment product that we consider suitable for you from our available options and that is affordable to yourecommend a mortgage/investment product if we cannot find one that we consider suitableyou to ask us for further explanation if you do not understand somethingyou are unhappy with our service you will have access to our formal complaints procedure

you can help us
For us to give the most appropriate advice, we ask you to:

Tell us about your income and outgoings, this enables us to properly assess how much you can afford;us about changes that might affect your ability to repay a mortgage;us now if there is any aspect of our service or product that you don't understand;us if you think there are ways we can improve our service.

Ogden-Starkel Financial Services Ltd is an Appointed Representative of Julian Harris Financial Consultants authorised and regulated by the Financial Services Authority No. 153566.

Registered office is 43 Marigold Way, Maidstone, Kent. ME16 0ZJ.

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