PARTIES TO THIS LEGAL SERVICES CONTRACT

- JBHS t/a SLA Law, and;

- You, the Claimant.

WORK TO BE UNDERTAKEN

A broad outline of the work we shall be carrying out includes:

- Obtaining relevant information from your bank or investment provider;

- Upon receipt of relevant information and or documents, assessing the prospects of your claim;

- Requesting that any relevant information and/or documents in your possession that could assist in assessment and/or progression of your claim;

- Providing advice on prospects before submitting the complaint;

- Submitting a claim on your behalf to the bank or investment provider concerned;

- Liaising with third parties throughout your claim;

- If the claim is rejected, assessing the case with a view of referring the claim to the Financial Ombudsman Service;

- In the event the claim is defended, there is an unfair decision received or any shortfall, we will discuss with you the possibility of pursuing further legal proceedings.

Our obligation to you at this stage is to carry out the above work. In return we will charge 40% + VAT, prior to any disbursements, of any sums we recover on your behalf. Our fee advice has been calculated on the basis that we are only carrying out the above.

YOUR OBLIGATIONS TO US

As our client you will agree to:

- Supply all relevant information/documents in your possession as required by us to assist with the claims process;

- Not enter into any agreements with your bank or financial adviser without first consulting us. The bank or financial advisor might contact you to confirm the details of the claim submitted by us;

- Cooperate with us throughout the duration of the claim which will enable us to provide you with good service;

- Inform us when an offer of compensation is made to you directly;

- Follow any advice/recommendation provided by us in relation to any offers received;

- Inform us when you have received the agreed compensation amount directly from the bank and/or financial advisor, and pay our fee as agreed.

WHO WILL BE DOING YOUR WORK

I Sarah Milner(Solicitor and Partner) have ultimate conduct of your matter. I delegate aspects of the file to other members of the JBHS t/a SCA Law’s Financial Mis-selling Team, however, I will be responsible for the supervision of your case.

FEES

Please ensure you are very clear on the legal fees being charged. We will work on a Damages Based Agreement (DBA) whereby we will be entitled to 40% +. VAT of any damages recovered (prior to any deduction of disbursements). Please see the enclosed DBA with further details of the agreement.

Making a claim yourself

You are entitled to bring this claim yourself and free of charge. If the outcome of your claim is unsuccessful, you are able to then refer it to the Financial Ombudsman Service. In the event that your financial adviser is no longer in business, you may be able to refer your complaint to the Financial Services Compensation Scheme (FSCS).

PROFESSIONAL INDEMNITY INSURANCE

JBHS t/a SCA Law has Professional Indemnity Insurance within England & Wales as required by the Solicitors Regulation Authority of England and Wales. It is a fundamental term of our accepting instructions from you that our liability to you is limited to £2,000,000. Should you require us to have a greater liability than this please contact us. In the absence of any express agreement in writing between us for a higher amount we will not be responsible to you for any liability incurred in excess of that amount. Our current insurers are:

HDI Global Specialty SE – UK Branch

20 Gracechurch Street,

London EC3V 0BG, UK

Reference: B0808P3A89805

RIGHT TO CHALLENGE THE BILL

If you are dissatisfied with our bill, we ask that you raise your concerns with the fee-earner concerned, or if you prefer, Miss Sarah Milner, Partner. In the event that the issue cannot be resolved, you have the right to invoke our complaints procedure, which is detailed below. You also have the right to make a complaint to the Legal Ombudsman. There are time limits for doing so, and all details in relation to the Legal Ombudsman can be found at www.legalombudsman.org.uk.

If you remain dissatisfied with the amount of the bill, you have the right to ask the Senior Courts Costs Office to consider the bill and make an assessment as to its reasonableness. Full details of this procedure can be found at www.justice.gov.uk/guidance/courts-and-tribunals/courts/senior- courts-costs-office.

MONEY LAUNDERING

Under the Money Laundering Regulations 2007 and the Proceeds of Crime Act 2002, we have an obligation to verify the identity and place of residence of all clients before the establishment of a business relationship. We will request further documents upon receipt of your signed Agreement but as a minimum we require a copy of your Passport or Driving Licence.

OUTSOURCING

We may outsource the taking and making of telephone calls, data inputting, processing new enquiries, chasing documents from you to a specialist and supervised company. You agree for us to outsource this element of your matter. I am however ultimately responsible for ensuring that the highest quality of work is maintained and I undertake monthly reviews of the outsourced work to ensure:

- All details will remain confidential.

- Any person employed by a contractor involved in your matter has all the necessary qualifications and experience to deal with the matter.

- Any person dealing with your matter is adequately supervised by persons with the appropriate qualifications and experience to do so.

CANCELLATION

As the client you have the right to cancel this Agreement; you may do this at any time in the period of 14 calendar days beginning with the day after the day on which this Agreement was made. You should either write to us at JBHS t/a SCA Law, The Old Parsonage, 2 St Mary's Gate, Rochdale OL16 1AP, call us on 01706644187, email [email protected] or complete and send back the cancellation form that will be sent upon signing. The correspondence should at least state "I wish to cancel the Agreement with JBHS t/a SCA Law for my financial mis-selling claim". If you gave your explicit consent for us to commence working for you within the 14-day cancellation period, please note that if you do cancel your instructions that you will need to pay for any services provided until the point of your cancellation. If we receive any offer or payment of your claim within 14 days and therefore, we have been successful then the cancellation fee will be equal to 40% ex VAT of the offeror received amount from the Defendant.

OUR COMPLAINTS PROCEDURE

It is important to us that we provide services of the highest quality to all of our clients. We aim to ensure that any complaints that clients may have are identified and dealt with in accordance with this procedure.

Making a complaint:

You can register your complaint with the person dealing with your matter, or Sarah Milner, Partner and appointed complaints handler. Miss Milner will ensure complaints are handled effectively and in accordance with this procedure.

- We will acknowledge your complaint within seven days;

- We will conduct a full investigation and an independent review of your matter;

- We aim to respond in full within 28 days, however, if your complaint is of a more complex nature we will require more time; we will inform you of when you will receive a full response;

- We will reply to you, usually in writing, to tell you our views on your complaint and how we propose to resolve it, hopefully to your satisfaction;

- If you are dissatisfied with the outcome, or the way your complaint has been handled, you may request that your file is independently reviewed by an external solicitor who will make such further investigations as are necessary;

- The external solicitor will inform you of the conclusions and any alternative proposals to resolve your complaint, usually within 28 days of this being referred to them. Under no circumstances will the above investigation take longer than 8 weeks;

- You may take your complaint to the Legal Ombudsman within 6 months of the expiry of the 8-week period or our definitive response in the meantime.

Legal Ombudsman

The Legal Ombudsman can help you if we are unable to resolve your complaint ourselves. They will look at your complaint independently and it will not affect how we handle your case.

Before accepting a complaint for investigation, the Legal Ombudsman will check that you have tried to resolve your complaint with us first. If you have, then you must take your complaint to the Legal Ombudsman:

- Within 6 months from the date of the firm's written response;

- Within 3 years from the date of the act/omission;

Within one year of the problem happening; or within one year from when you found out about it; and you refer your complaint to the Ombudsman within six months of our final response;

No later than 1 year from the date of the act or omission being complained about, or no more than 1 year from the date when you should have realized that there was cause for complaint

If you would like more information about the Legal Ombudsman, please contact them.

Contact details

Visit: www.legalombudsman.org.uk Call: 0300 555 0333 between 9.00 to 17.00. Email: [email protected]

Legal Ombudsman PO Box 6167, Slough, SL1 0EH

What to do if you are unhappy with our behaviour

The Solicitors Regulation Authority can help if you are concerned about our behaviour. This could be for things like dishonesty, taking or losing your money or treating you unfairly because of your age, a disability or other characteristic. Visit their website to see how you can raise your concerns with the Solicitors Regulation Authority.

ALTERNATIVE DISPUTERE SOLUTION

In the event that you have raised a complaint regarding JBHS t/a SCA Law and this has been unresolved, you may wish to engage with Alternative Dispute Resolution bodies instead of the Legal Ombudsman Service. We will agree to use schemes involving ProMediate and Small Claims Mediation in the event a complaint is not resolved by the Legal Ombudsman.