Common use of General Insurance Clause in Contracts

General Insurance.  For general insurance we may charge an agreed fee for our time or receive commission from the insurance provider.  We may also receive commission or other form of benefit from working with the issuer of a security, a product provider or from another intermediary. We will inform you before the transaction if we are likely to receive such commission or form of benefit from recommending any product to you or effecting an introduction where the service and / or the advice is provided by the other provider.  In respect of any regular premium policy which we may recommend, should you subsequently cease to pay premiums on the policy and as a result of your cancellation we are obliged to refund product charges or other commission that has been paid to us we reserve the right to charge you a fee representing the amount we have to repay, for a period of up to four years after commencement of the policy. We will not charge such fee if you exercise your right to cancel in accordance with the cancellation notice sent to you by the product provider. Client Money  For your additional security we do not handle client’s money. We never accept a cheque made out to us (unless it is a cheque in settlement of our fees or other charges or disbursements for which we have sent you an invoice). We do not handle cash. Cheques for payment will be required to be paid direct to the insurance provider. Accounting to you  We will make arrangements for all your investments/contracts to be registered in your name unless you first instruct us otherwise in writing. You have a right to inspect copies of contract notes and entries in our records in relation to transactions on your behalf. In that request we reserve the right to give you copies of such documents rather than access to the original records. We will forward to you all documents showing ownership of your policies as soon as practicable after we receive them. Where a number of documents relating to a series of transactions is involved, we will normally hold each document until the series is complete and then forward them to you. Financial Services Compensation Scheme (FSCS)  We subscribe to the Financial Services Compensation Scheme (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. You will find up-to-date details of the FSCS’s compensation limits, eligibility and details of how to make a claim on its website xxx.xxxx.xxx.xx. As at May 2019, the limits are:- Investment Most types of investment business are covered for 100% of the first £85,000 Insurance  Insurance Business: there is no upper limit on the amount of protection. (For claims against firms declared in default from 3 July 2015).  Long-term insurance benefits are protected 100%. Claims under compulsory insurance, professional insurance and certain claims for injury, sickness or infirmity of the policyholder are protected at 100%  Protects 90% of other types of claim with no upper limit. Further information about compensation scheme arrangements is available from the FSCS. ~ Complaints  If you should have any complaint about the advice you receive or a product you have bought please write or call the Compliance Director at Sanlam Partnerships Limited, Xxxx 0 Xxxxxxxxxxxx Xxxxxxxx Xxxx, Xxxxxxxxxxxx, Xxxxxxxxxx, XX00 0XX. Telephone Number 00000- 000000. If following our subsequent investigation and response you are still not satisfied you may contact the Financial Ombudsman Service (xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx; Xxxxx Xxxx Xxxxx, 000 Xxxxx Xxxx, London, E14 9SR). Full details are contained within our internal complaints procedure, which is available to you on request at any time.

General Insurance.  For general insurance we may do not charge an agreed fee for our time or a fee. We will receive commission from the insurance provider.  We may also receive commission or other form of benefit from working with the issuer of a security, a product provider or from another intermediary. We will inform you before the transaction if we are likely to receive such commission or form of benefit from recommending any product to you or effecting an introduction where the service and / or the advice is provided by the other provideryou.  In respect of any regular premium policy which we may recommend, should you subsequently cease to pay premiums on the policy and as a result of your cancellation we are obliged to refund product charges or other commission that has been paid to us we reserve the right to charge you a fee representing the amount we have to repay, for a period of up to four years after commencement of the policy. We will not charge such fee if you exercise your right to cancel in accordance with the cancellation notice sent to you by the product provider. Client Money  For your additional security we do not handle client’s money. We never accept a cheque made out to us (unless it is a cheque in settlement of our fees or other charges or disbursements for which we have sent you an invoice). We do not handle cash. Cheques for payment will be required to be paid direct to the insurance provider. Accounting to you  You We will make arrangements for all your investments/contracts to be registered in your name unless you first instruct us otherwise in writing. You have a right to inspect copies of contract notes and entries in our records in relation to transactions on your behalf. In that request we reserve the right to give you copies of such documents rather than access to the original records. We will forward to you all documents showing ownership of your policies as soon as practicable after we receive them. Where a number of documents relating to a series of transactions is involved, we will normally hold each document until the series is complete and then forward them to you. Financial Services Compensation Scheme (FSCS)  We subscribe to the Financial Services Compensation Scheme (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. You will find up-to-date details of the FSCS’s compensation limits, eligibility and details of how to make a claim on its website xxx.xxxx.xxx.xx. As at May 2019November 2017, the limits are:- Investment Most types of investment business are covered for 100% of the first £85,000 50,000. Insurance  Insurance Business: there is no upper limit on the amount of protection. (For for claims against firms declared in default from 3 July 2015).  Long-term insurance benefits are protected 100%. Claims under compulsory insurance, professional insurance and certain claims for injury, sickness or infirmity of the policyholder are protected at 100%  Protects 90% of other types of claim with no upper limit. Home finance products mortgages and home purchase plans Advising on or arranging house purchase finance is covered for 100% of the first £50,000 (per person). Further information about compensation scheme arrangements is available from the FSCS. ~ Complaints  If you should have any complaint about the advice you receive or a product you have bought please write or call the Compliance Director at Sanlam Partnerships Limited, Xxxx 0 Xxxxxxxxxxxx Xxxxxxxx Xxxx, Xxxxxxxxxxxx, Xxxxxxxxxx, XX00 0XX. Telephone Number 00000- 000000. If following our subsequent investigation and response you are still not satisfied you may contact the Financial Ombudsman Service (xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx; Xxxxx Xxxx Xxxxx, 000 Xxxxx Xxxx, London, E14 9SR). Full details are contained within our internal complaints procedure, which is available to you on request at any time.

General Insurance.  For general insurance advice we may do not charge an agreed fee for our time or a fee. We will receive commission from the insurance provider.  We may also receive commission or other form of benefit from working with the issuer of a security, a product provider or from another intermediary. We will inform you before the transaction if we are likely to receive such commission or form of benefit from recommending any product to you or effecting an introduction where the service and / or the advice is provided by the other provideryou.  In respect of any regular premium policy which we may recommend, should you subsequently cease to pay premiums on the policy and as a result of your cancellation we are obliged to refund product charges or other commission that has been paid to us we reserve the right to charge you a fee representing the amount we have to repay, for a period of up to four years after commencement of the policy. We will not charge such fee if you exercise your right to cancel in accordance with the cancellation notice sent to you by the product provider. Client Money  For your additional security we do not handle client’s money. We never accept a cheque made out to us (unless it is a cheque in settlement of our fees or other charges or disbursements for which we have sent you an invoice). We do not handle cash. Cheques for payment will be required to be paid direct to the insurance provider. Accounting to you  You We will make arrangements for all your investments/contracts to be registered in your name unless you first instruct us otherwise in writing. You have a right to inspect copies of contract notes and entries in our records in relation to transactions on your behalf. In that request we reserve the right to give you copies of such documents rather than access to the original records. We will forward to you all documents showing ownership of your policies as soon as practicable after we receive them. Where a number of documents relating to a series of transactions is involved, we will normally hold each document until the series is complete and then forward them to you. Financial Services Compensation Scheme (FSCS)  We subscribe to the Financial Services Compensation Scheme (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. You will find up-to-date details of the FSCS’s compensation limits, eligibility and details of how to make a claim on its website xxx.xxxx.xxx.xx. As at May 2019., the limits are:- Investment Most types of investment business are covered for 100% of the first £85,000 50,000. Insurance  Insurance Business: there advising and arranging is no upper limit on the amount of protection. (For claims against firms declared in default from 3 July 2015).  Long-term insurance benefits are protected 100%. Claims under compulsory insurance, professional insurance and certain claims covered for injury, sickness or infirmity of the policyholder are protected at 100%  Protects 90% of other types of the claim with no upper limit. Further information about compensation scheme arrangements is available from the FSCS. ~ Complaints  If you should have any complaint about the advice you receive or a product you have bought please write or call the Compliance Director at Sanlam Partnerships Limited, Xxxx 0 Xxxxxxxxxxxx Xxxxxxxx Xxxx, Xxxxxxxxxxxx, Xxxxxxxxxx, XX00 0XX. Telephone Number 00000- 000000. If following our subsequent investigation and response you are still not satisfied you may contact the Financial Ombudsman Service (xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx; Xxxxx Xxxx Xxxxx, 000 Xxxxx Xxxx, London, E14 9SR). Full details are contained within our internal complaints procedure, which is available to you on request at any time.

General Insurance.  For general insurance advice, we may do not charge an agreed fee for our time or a fee. We will receive commission from the insurance provider.  We may also receive commission or other another form of benefit from working with the issuer of a security, a product provider or from another intermediary. We will inform you before the transaction if we are likely to receive such commission or form of benefit from recommending any product to you or effecting an introduction where the service and / or the advice is provided by the other provideryou.  In respect of any regular premium policy which we may recommend, should you subsequently cease to pay premiums on the policy and as a result of your cancellation we are obliged to refund product charges or other commission that has been paid to us we reserve the right to charge you a fee representing the amount we have to repay, for a period of up to four years after commencement of the policy. We will not charge such fee if you exercise your right to cancel in accordance with the cancellation notice sent to you by the product provider. Client Money  CLIENT MONEY For your additional security security, we do not handle client’s money. We never accept a cheque made out to us (unless it is a cheque in settlement of our fees or other charges or disbursements for which we have sent you an invoice). We do not handle cash. Cheques for payment will be required to be paid direct to the insurance provider. Accounting to you  ACCOUNTING TO YOU We will make arrangements for all your investments/contracts to be registered in your name unless you first instruct us otherwise in writing. You have a right to inspect copies of contract notes and entries in our records in relation to transactions on your behalf. In that request request, we reserve the right to give you copies of such documents rather than access to the original records. We will forward to you all documents showing ownership of your policies as soon as practicable after we receive them. Where a number of documents relating to a series of transactions is are involved, we will normally hold each document until the series is complete and then forward them to you. Financial Services Compensation Scheme BEST EXECUTION In transmitting applications on your behalf to third parties (e.g. to put an investment into force), we will take all reasonable steps to ensure that we obtain the best possible result for you. CODE OF ETHICS As a company, we aim to always abide by a Code of Ethics. This includes, but is not limited to: - Ensuring that our advice is in line with current legislation and regulation This means that our advisers undertake at least 30 hours of Continuing Professional Development each year so that we are always abreast of any regulatory or legislative changes Acting with the highest ethical standards and integrity As a firm, we do not provide advice under ‘Execution only’ or ‘Insistent Client’ basis. This is because the advice we give is always in the client’s best interests, using our knowledge and experience. We will also be open and honest with clients. Acting with the client’s best interests at the heart of our advice Any advice that we provide is always given with the client’s interests at the root of the recommendations. This can often mean that we may decline to provide advice in certain instances (such as defined benefit transfers) or recommending outcomes that may not be initially what the client came to see the adviser about i.e. looking at different perspectives. Providing the highest standard of service possible One of our main strengths as a company is that we put service at the forefront of everything that we do. This means that clients will receive the highest standard possible. In view of this, we have strict processes in place so that clients are up to date with their journey on a regular basis. We will communicate with clients in a way that is accurate and straightforward. We are always upfront with our fees and we aim to act with skill, care and diligence. Treating everybody fairly and not in a discriminatory manner Neither our staff nor clients are discriminated against, regardless of age, disability, race, religion, gender etc. Everybody is treated as an individual with equal respect. FINANCIAL SERVICES COMPENSATION SCHEME (FSCS)  We subscribe to the Financial Services Compensation Scheme (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. You will find up-to-date details of the FSCS’s compensation limits, eligibility and details of how to make a claim on its website xxx.xxxx.xxx.xx. As at May August 2019, the limits are:- are: - Investment Most types of investment business are covered for 100% of the first £85,000 Insurance  Insurance Business: there is no upper limit on the amount of protection. (For claims against for firms declared in default from 3 July 20151st April 2019).  Long-term insurance benefits are protected 100%. Claims under compulsory insurance, professional insurance and certain claims for injury, sickness or infirmity of the policyholder are protected at 100%  Protects 90% of other types of claim with no upper limit. Further information about compensation scheme arrangements is available from the FSCS. ~ Complaints  If you should have any complaint about the advice you receive or a product you have bought please write or call the Compliance Director at Sanlam Partnerships Limited, Xxxx 0 Xxxxxxxxxxxx Xxxxxxxx Xxxx, Xxxxxxxxxxxx, Xxxxxxxxxx, XX00 0XX. Telephone Number 00000- 000000. If following our subsequent investigation and response you are still not satisfied you may contact the Financial Ombudsman Service (xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx; Xxxxx Xxxx Xxxxx, 000 Xxxxx Xxxx, London, E14 9SR). Full details are contained within our internal complaints procedure, which is available to you on request at any time.

General Insurance.  Ø For general insurance we may charge an agreed fee for our time or receive commission from the insurance provider.  Ø We may also receive commission or other form of benefit from working with the issuer of a security, a product provider or from another intermediary. We will inform you before the transaction if we are likely to receive such commission or form of benefit from recommending any product to you or effecting an introduction where the service and / or the advice is provided by the other provider.  Ø In respect of any regular premium policy which we may recommend, should you subsequently cease to pay premiums on the policy and as a result of your cancellation we are obliged to refund product charges or other commission that has been paid to us we reserve the right to charge you a fee representing the amount we have to repay, for a period of up to four years after commencement of the policy. We will not charge such fee if you exercise your right to cancel in accordance with the cancellation notice sent to you by the product provider. Client Money  Ø For your additional security we do not handle client’s money. We never accept a cheque made out to us (unless it is a cheque in settlement of our fees or other charges or disbursements for which we have sent you an invoice). We do not handle cash. Cheques for payment will be required to be paid direct to the insurance provider. Accounting to you  Ø We will make arrangements for all your investments/contracts to be registered in your name unless you first instruct us otherwise in writing. You have a right to inspect copies of contract notes and entries in our records in relation to transactions on your behalf. In that request we reserve the right to give you copies of such documents rather than access to the original records. We will forward to you all documents showing ownership of your policies as soon as practicable after we receive them. Where a number of documents relating to a series of transactions is involved, we will normally hold each document until the series is complete and then forward them to you. Financial Services Compensation Scheme (FSCS)  Ø We subscribe to the Financial Services Compensation Scheme (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. You will find up-to-date details of the FSCS’s compensation limits, eligibility and details of how to make a claim on its website xxx.xxxx.xxx.xx. As at May 2019April 2020, the limits are:- Investment Most types of investment business are covered for 100% of the first £85,000 Insurance  • Insurance Business: there is no upper limit on the amount of protection. (For claims against firms declared in default from 3 July 2015).  • Long-term insurance benefits are protected 100%. Claims under compulsory insurance, professional insurance and certain claims for injury, sickness or infirmity of the policyholder are protected at 100%  • Protects 90% of other types of claim with no upper limitupperlimit. Home finance products mortgages and home purchase plans Advising on or arranging house purchase finance is covered for 100% of the first £50,000 (per person). Further information about compensation scheme arrangements is available from the FSCS. ~ Complaints  If you should have any complaint about the advice you receive or a product you have bought please write or call the Compliance Director at Sanlam Partnerships Limited, Xxxx 0 Xxxxxxxxxxxx Xxxxxxxx Xxxx, Xxxxxxxxxxxx, Xxxxxxxxxx, XX00 0XX. Telephone Number 00000- 000000. If following our subsequent investigation and response you are still not satisfied you may contact the Financial Ombudsman Service (xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx; Xxxxx Xxxx Xxxxx, 000 Xxxxx Xxxx, London, E14 9SR). Full details are contained within our internal complaints procedure, which is available to you on request at any time.~

General Insurance.  For general insurance we may do not charge an agreed fee for our time or a fee. We will receive commission from the insurance provider.  We may also receive commission or other form of benefit from working with the issuer of a security, a product provider or from another intermediary. We will inform you before the transaction if we are likely to receive such commission or form of benefit from recommending any product to you or effecting an introduction where the service and / or the advice is provided by the other provideryou.  In respect of any regular premium policy which that we may might recommend, should you subsequently cease to pay premiums on the policy and and, as a result of your cancellation cancellation, we are obliged to refund product charges or other commission that has been paid to us us, we reserve the right to charge you a fee representing the amount we have to repay, for a period of up to four years after commencement of the policy. We will not charge such fee if you exercise your right to cancel in accordance with the cancellation notice sent to you by the product provider. Client Money  For your additional security we do not handle client’s money. We never accept a cheque made out to us (unless it is a cheque in settlement of our fees or other charges or disbursements for which we have sent you an invoice). We do not handle cash. Cheques for payment will be required to be paid direct to the insurance provider. Accounting to you  You We will make arrangements for all your investments/contracts to be registered in your name unless you first instruct us otherwise in writing. You have a right to inspect copies of contract notes and entries in our records in relation to transactions on your behalf. In that request we reserve the right to give you copies of such documents rather than access to the original records. We will forward to you all documents showing ownership of your policies as soon as practicable after we receive them. Where a number of documents relating to a series of transactions is involved, we will normally hold each document until the series is complete and then forward them to you. Financial Services Compensation Scheme (FSCS)  We subscribe to the Financial Services Compensation Scheme (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. You will find up-to-date details of the FSCS’s compensation limits, eligibility and details of how to make a claim on its website xxx.xxxx.xxx.xx. As at May 20192018, the limits are:- are: Investment Most types of investment business are covered for 100% of the first £85,000 50,000. Insurance  Insurance Business: there is no upper limit on the amount of protection. (For protection for claims against firms declared in default from 3 July 2015).  Long-term insurance benefits are protected 100%. Claims under compulsory insurance, professional insurance and certain claims for injury, sickness or infirmity of the policyholder are protected at 100%  Protects 90% of other types of claim with no upper limit. Home finance products mortgages and home purchase plans Advising on or arranging house purchase finance is covered for 100% of the first £50,000 (per person). Further information about compensation scheme arrangements is available from the FSCS. ~ Complaints  If you should have any complaint about the advice you receive or a product you have bought please write or call the Compliance Director at Sanlam Partnerships Limited, Xxxx 0 Xxxxxxxxxxxx Xxxxxxxx Xxxx, Xxxxxxxxxxxx, Xxxxxxxxxx, XX00 0XX. Telephone Number 00000- 000000. If following our subsequent investigation and response you are still not satisfied you may contact the Financial Ombudsman Service (xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx; Xxxxx Xxxx Xxxxx, 000 Xxxxx Xxxx, London, E14 9SR). Full details are contained within our internal complaints procedure, which is available to you on request at any time.

General Insurance.  For At all times Customer shall maintain, at its sole cost and expense, (i) commercial general liability insurance we of not less than $2,000,000 per occurrence, (ii) workers’ compensation insurance at or greater than the minimum levels required by applicable law, (iii) “all risk” personal property insurance in an amount at least equal to the full replacement value of the Customer Equipment, and (iv) business loss and interruption insurance in an amount sufficient to compensate Customer and Customer’s end users for loss of the Colocation Space related services or the Carrier Services. Customer retains the risk of loss for, loss of (including loss of use), or damage to, the Customer Equipment and other personal property located in the Premises and for any service interruption. Provider’s insurance policies do not provide coverage for Customer’s personal property. Customer agrees that Customer shall not and shall cause the Customer Representatives to not pursue any Claims against Provider unless and until Customer or the Customer Representative, as applicable, first files a claim against Customer’s insurance policy and the applicable insurance provider(s) finally resolve such claims against Customer. Customer shall include Provider, Xxxxxxxx’s managing agent, and any mortgagee of the Premises as additional insureds on all insurance policies required under this Section 7.1, and such policies may charge an agreed fee for our time or receive commission from not be cancelled without thirty (30) days’ prior notice to Provider. Customer shall provide policy endorsements to Provider upon request. Prior to (i) the Commencement Date and (ii) at least ten (10) days prior to the expiration date of any of the insurance providerpolicies, Customer will furnish copies of certificates to Provider which evidence that Customer has obtained the insurance required hereunder, and shall provide evidence to Provider of the deductibles in connection with all policies hereunder.  We may also receive commission or other form Customer shall ensure that each applicable policy required hereunder contains a waiver of subrogation provision for the benefit from working with of Provider. In the issuer of a securityevent that Customer shall fail to promptly furnish any insurance coverage hereunder required to be procured by Customer, a product provider or from another intermediary. We will inform you before the transaction if we are likely to receive such commission or form of benefit from recommending any product to you or effecting an introduction where the service and / or the advice is provided by the other provider.  In respect of any regular premium policy which we may recommendProvider, should you subsequently cease to pay premiums on the policy and as a result of your cancellation we are obliged to refund product charges or other commission that has been paid to us we reserve at its sole option, shall have the right after ten (10) days’ prior written notice to charge you a fee representing Customer to obtain the amount we have to repay, same and pay the premium therefor for a period of up to four years after commencement of the policy. We will not charge such fee if you exercise your right to cancel exceeding one (1) year in accordance with the cancellation notice sent to you by the product provider. Client Money  For your additional security we do not handle client’s money. We never accept a cheque made out to us (unless it is a cheque in settlement of our fees or other charges or disbursements for which we have sent you an invoice). We do not handle cash. Cheques for payment will be required to be paid direct to the insurance provider. Accounting to you  We will make arrangements for all your investments/contracts to be registered in your name unless you first instruct us otherwise in writing. You have a right to inspect copies of contract notes and entries in our records in relation to transactions on your behalf. In that request we reserve the right to give you copies of such documents rather than access to the original records. We will forward to you all documents showing ownership of your policies as soon as practicable after we receive them. Where a number of documents relating to a series of transactions is involvedeach instance, we will normally hold each document until the series is complete and then forward them to you. Financial Services Compensation Scheme (FSCS)  We subscribe to the Financial Services Compensation Scheme (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 premium so paid by Provider plus interest thereon at 3 Customer Initials BL the claim. You will find up-to-date details of the FSCS’s compensation limits, eligibility Default Interest Rate shall be immediately due and details of how payable by Customer to make a claim on its website xxx.xxxx.xxx.xx. As at May 2019, the limits are:- Investment Most types of investment business are covered for 100% of the first £85,000 Insurance  Insurance Business: there is no upper limit on the amount of protection. (For claims against firms declared in default from 3 July 2015).  Long-term insurance benefits are protected 100%. Claims under compulsory insurance, professional insurance and certain claims for injury, sickness or infirmity of the policyholder are protected at 100%  Protects 90% of other types of claim with no upper limit. Further information about compensation scheme arrangements is available from the FSCS. ~ Complaints  If you should have any complaint about the advice you receive or a product you have bought please write or call the Compliance Director at Sanlam Partnerships Limited, Xxxx 0 Xxxxxxxxxxxx Xxxxxxxx Xxxx, Xxxxxxxxxxxx, Xxxxxxxxxx, XX00 0XX. Telephone Number 00000- 000000. If following our subsequent investigation and response you are still not satisfied you may contact the Financial Ombudsman Service (xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx; Xxxxx Xxxx Xxxxx, 000 Xxxxx Xxxx, London, E14 9SR). Full details are contained within our internal complaints procedure, which is available to you on request at any timeProvider as additional NRC.