Customer Agreement. 6 March 2010.

This agreement is between:

(i) Objective Associates Limited (OAL), who are operators of various lead referral systems and whose registered office is Pavilion 3, Castlecraig Business Park, Springbank Road, Stirling, FK7 7WT (the “Introducer”, “We”, “Us”, “Our”).

And

(ii) The registered user of the Lead Referral System (“You”, “Your”, “Registered User”).

together, “The Parties”.

where:

(i) You have read, understood and agreed to this agreement in relation to Our Lead Referral System and wish to use it to contact an Advisor or Broker.

(ii) You accept that We are NOT authorised by the FSA and act only as an Introducer to Advisors and Brokers and that You contact those listed at Your own discretion. Further, You accept that you act on their advice purely at Your own risk, other than the appropriate protections offered by Law, and accept that We play no part in the provision of Financial Advice.

(iii) In certain cases We may receive payments in way of fees and commissions from Advisors and Brokers when business is completed by You and we undertake to share part of that income with You as described in the Payment Terms.

Overview

When You conduct business with an Advisor or Broker they either charge You a fee or instead receive a commission from the provider. In some cases they may charge You a fee and also receive commission.

You can expect to be told by the Advisor or Broker how they charge for their services and the likely costs. If You are unhappy with the anticipated charges or the way in which they charge then You can choose not to proceed.

We base Our fee to the Advisor or Broker based on the amount of money they receive as a fee and/or commission once You have completed a deal with them. We then reward You as described in the Payment Terms.

In some cases the Advisor or Broker may also pass to You part of the commission they receive from the provider if it exceeds their fee. You should clarify this with the Advisor of Broker if You are in any doubt.

(1) Definitions:

FSA: Financial Services Authority
Lead Referral System: The online system operated by OAL which allows website visitors to contact professional advisors and brokers.
Materials: News, Articles, Videos, Photographs appearing on the various websites.
Profile Page: The area within the Lead Referral System where Advisors and Brokers define the services they offer and where they may publish Materials.

(2) General:

(i) You agree that this is the entire agreement between The Parties other than the “Privacy Statement” or “Website Terms of Use” included within the websites operated by Us.

(ii) Advisors and Brokers listed on the system have declared that they are registered by the FSA. You may elect to validate such statements by visiting http://www.fsa.gov.uk.

(iii) Advisors and Brokers are responsible for the publication and maintenance of Materials on their Profile Pages.

(iv) If We become aware of any reason as to why an Advisor or Broker should not be listed We shall remove their Profile page. However, we do not undertake to guarantee the information or Materials published by them

(3) Contacting an advisor or broker

(i) When You request to be contacted by an Advisor or Broker You shall be contacted by that person promptly.

(ii) You will be requested in an email to confirm Your contact details, this is to ensure that You are the person that requested the information.

(iii) You may also receive a text message if You entered a mobile phone number, this is to confirm that Your mobile phone number is active.

(iv) We shall pass to the Advisor or Broker only minimal information on the advice You seek together with Your contact information. Particularly We will not be involved in any advice given.

(v) The Advisors and Brokers listed have committed to offer advice in the manner laid down by the FSA. If You are concerned that this is not the case then You should raise Your concerns with the Advisor or Broker in question and if You remain concerned should seek legal or FSA advice.

(vi) Where You choose to decline using the contacted Advisor or Broker You should make this clear to them in order that they can update their records appropriately.

(vii) The Adviser or Broker You use undertakes to keep all records of Your correspondence with them confidential unless You provide permission for them to share same with a third party or if they are instructed to do so under law.

(viii) You may choose to request from the Advisor or Broker the details of any commissions/fees payable to Us from them related to Your introduction.

(ix) Until You and the Advisor or Broker agree that the business has been completed We shall not be able to recompense You if any payment from Us is due.

(4) Promotion

(i) The Lead Referral System is used by Advisors and Brokers to promote their services using their Profile Page.

(ii) Advisors and Brokers may choose to publish Materials and these are clearly marked.

(iii) Advisor and Broker published Materials must adhere to FSA regulations. Such regulations ensure that Materials cannot be biased, misleading or unfair. If You are concerned about the content of such material You should contact the Advisor or Broker in the first instance and if You remain concerned You should contact the FSA.

(iv) If We are made aware that published Materials are in breach of FSA regulations We shall take steps to remove it and may elect to remove the Profile of the Advisor or Broker until the situation is resolved. We do not undertake to guarantee the accuracy of information or Materials published by them.

(v) The Lead Referral System features a Star Rating System for advisors and brokers. The level relates to the use they make of the System. Generally the more use they make of the features the higher the Star rating. The Star Rating should not be taken as an indication of product expertise, client satisfaction, value for money or any other indicator.

(5) Payment Terms

(i) When a transaction has been completed by You, You are obliged to update Your records on the Lead Referral System. Once completion has been validated by the Advisor or Broker You shall be entitled to the payment as described in the Payment Table.

(ii) Payment terms from Us to You are 7 days from receipt of Payment from the Advisor or Broker.

(iii) You have accepted the payment schedule between Us and You as provided in the Payment Table during registration. And accept that this may change from time to time.

(iv) Payment to You will be made by cheque unless otherwise agreed.

(v) Payments to You pertain to the agreement and Payment Table at the date and time of the introduction.

(vi) If 6 months after the introduction business has not been concluded between You and the Advisor of Broker we shall ask by email or text message if the transaction is still ongoing. If the answer is no or we receive no reply then we will cancel the inquiry and no payment will be paid even if the transaction does subsequently complete.

(vii) Payment Table

Rewards to you are based on how much we receive from the Advisor of Broker (exclusive of any VAT if applicable).

If we receive less than £50 then you will receive no payment.

If we receive £50 you will receive from us £25.

If we receive more than £50 but no more than £100 you will receive £35 from us.

If we receive more than £100 but no more than £150 you will receive £75 from us.

If we receive more than £150 but no more than £200 you will receive £100 from us.

If we receive more than £200 but no more than £250 you will receive £125 from us.

If we receive more than £250 you shall receive from us all the payment (exclusive of VAT) less £125.

(6) Termination

(i) Either Party can elect to terminate this agreement without prior notice.

(ii) Notice shall be issued electronically by email.

(iii) Transactions already underway between You and an Advisor or Broker will be honoured and any payment due from Us to You paid in full on completion subject to the terms described herein.

(iv) We shall continue to provide access to Your Login page in order that transactions underway can be completed.

(7) Relationship

(i) Nothing between the Parties or within this Agreement should be construed as suggesting a partnership, joint venture or any other such legal entity between them.

(ii) We act only as an Introducer to Brokers and Advisors and offer no Financial Advice.

(iii) Your contact details will be used by Us to advise You of any payments due to You as well as for support and ongoing marketing purposes.

(8) Service Level

(i) The Lead Referral System is supplied “as is” and You agree to use the system at Your risk. We accept no responsibility for costs or loss incurred by You related to the use of the Lead Referral System.

(ii) We will endeavour to provide a high level of uptime for the system and to support You though make no guarantees or warranties with respect to 24/7 availability.

(iii) We electronically back up the Lead Referral System regularly but you are required to make Your own copies of relevant data.

(iv) If You require help or have a complaint about Us then You should contact the Help Desk via the Support page.

(v) If You wish to make a complaint about the conduct of an Advisor or Broker to Us then You should do so via the Support Page. However, please note that We have no authority over Advisors and Brokers and cannot interfere with or contribute in any way to the advice provided. In most cases where You have a genuine grievance with an Advisor or Broker Your course of action will be via the FSA.