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Private Client Service

Application Form (Composite)

1 Personal Details (Mandatory)

Mr Ms MissMrs

Other If 'Other' please state

Title

Forename(s) in full *

Surname

Previous name(s)

Date of birth

National Insurance Number

I have never had a National Insurance Number (please tick box if applicable)

Marital StatusMarried Single Widowed

Divorced Registered civil partner Other

If 'Other' please state

This Application Form must be completed and signed before Wealthtime can set up your Private Client Service and relevant Products. Please note that some sections are MANDATORY including signing up for the online service and the Application Form cannot be accepted until these mandatory sections are completed.

Telephone number

Mobile number

Email address

Are you a tax resident of the United Kingdom? (Excludes Crown Dependencies and Gibraltar)

Yes No

1c Tax Section and Declaration (Mandatory)

Section 1 of this Application Form is designed to enable Wealthtime to collect information required in order for us to meet our obligations under regulations including the Money Laundering Regulations 2007, the Finance Act 2013, FATCA and associated UK intergovernmental agreements (IGA's). The information required in this section is marked as MANDATORY and as such, any failure to complete this information in full will result in Wealthtime being unable to process your Application.

Previous residential address if you have changed address in the last six months

Postcode

Permanent residential address

Postcode

Passport number(s)

I have never had a Passport (please tick box if applicable)

I have never had a Driving licence (please tick box if applicable)

Driving licence no.

FemaleMale

The following information will be used to ensure the correct withholding and / or reporting of taxes as required by the relevant tax authorities. This is a requirement under The International Tax Compliance Regulations 2015 and will result in the details of any “Reportable Accounts” being passed to HM Revenue & Customs who may then make this available to the Government of another territory in accordance with a relevant agreement. Please provide details of any and all territories or jurisdictions in which the applicant is resident for income tax or corporation tax purposes or for the purposes of any tax imposed by the law of that territory that is of a similar character to either of those taxes.

Are you a US person or resident of the US for tax purposes? Yes(1) No

In accordance with money laundering regulations we are required to identify any individuals who are currently or have been in the past politically exposed persons (PEPs), the immediate family members of PEPs or the close associates of PEPs, and apply enhanced due diligence procedures. Are you, or have you been in the past, a senior official in the executive, legislative, administrative, military or judicial branch of a government or political party (elected or not) or an executive of a state owned corporation or state owned commercial enterprise or are you another entity such as a trust of which such an individual is a beneficiary or trustee or is/has any close relative (i.e. spouse, parents, sibling, children and spouse's parents or siblings) or any close personal or professional associate been connected to such a position? (This applies to any overseas or UK entity). Please note that Wealthtime is unable to accept your Application unless one of the boxes below is ticked.

If 'Yes' please give full details, including country, the position held, when held and a brief description of the role undertaken.

1b Politically Exposed Persons (Mandatory)

Yes No

1a Personal Details (Mandatory)

Please provide a certified copy of the Passport(s).

* As per Birth Certificate

Commonly known as

Yes(1) NoAre you a tax resident of any other territory or jurisdiction?

Wealthtime does not accept applications where the applicant is not currently domiciled and resident in the UK.

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'Source of Funds' means the way (or ways) that the Applicant accumulated the money to be invested via the Wealthtime Private Client Service. Please note: • IN ALL CASES WHERE THE TOTAL AMOUNTS TO BE

INVESTED EXCEED £1 MILLION THE REQUIREMENT TO PROVIDE DOCUMENTARY EVIDENCE RELEVANT TO THE SOURCE OF FUNDS IS MANDATORY. We may also sometimes ask for documentary evidence of source of funds below this threshold to meet our regulatory obligations.

• We are required by law to understand how the Applicant accumulated the monies to be invested.

• Where a significant period of time has passed since the monies to be invested were accumulated we may ask for documentary evidence of where the monies have been invested in the interim period.

• Our source of funds requirements are determined on a risk based approach and a decision to ask for further evidence of source of funds and where appropriate source of wealth will be made after we have evaluated the information received along with that which we already hold and that which we receive from other regulated third parties.

• Where we decide that documentary evidence of source of funds is required we have provided some examples of the types of evidence we will accept, depending on the declared source of funds. Please note that failure to supply acceptable evidence may result in delays or our refusal to accept an Application.

• Unless otherwise specifically stated in relation to a document we are happy for documents to be certified by any FCA authorised individual.

Please complete section 1d(i) along with the other MOST relevant section(s) below based on how the majority of your funds were most recently accumulated. Please note this information must be provided even where no documentary evidence is required.

1d(i) Income from employment (or previous employment if retired or currently unemployed). This includes lump sum bonus payments or dividends.

Full Name of Employer

Nature of Employer's Business

Income received in this tax year(£)

Income received in the last tax year (worked) (£)

Amount of bonus payment received (£)

Date bonus payment was received

1d(ii) Pension income (Regular payments and / or Lump Sum payments)

Examples of forms of acceptable evidence: Certified copy or original of: • A recent payslip showing salary; or • If self employed, recent complete audited accounts; or • Bank statements clearly showing receipt of most recent three

months' regular payments, and if relevant receipt of bonus payment, from named employer; or

• Letter from the employer on company headed paper confirming salary, and if relevant the bonus or dividend payment; or

• The latest P60 or equivalent.

Name of paying organisation(s)

Your Occupation

1d Source of Funds (Mandatory)

Nationality

Do you have dual nationality? Yes No

If 'Yes' please state

1c Tax Section and Declaration (Continued)

Please provide your Tax Identification Number (TIN)(2) for any territories or jurisdictions in which you are tax resident (other than the UK):

1. Territory or Jurisdiction

Tax Identification Number

2. Territory or Jurisdiction

Tax Identification Number

3. Territory or Jurisdiction

Tax Identification Number

Notes: (1) If the applicant has answered YES to either of the

questions regarding non-UK tax residency please contact Wealthtime as we will need to request further information and / or documentary evidence to determine whether we can accept the application.

(2) Please note that it is a legal requirement that we

record a TIN number for all clients. If the applicant is solely or jointly tax resident in any country other than the UK, we will not accept the application if a TIN cannot be provided at outset.

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1d(iii) Other, regular income not from employment or pensions

Nature of income

When did income start

Approximate amount accumulated (£)

1d(iv) Savings

Organisation(s) where savings accumulated

Period over which savings accumulated

Total amount accumulated (£)

Source of savings income

1d(vii) Property sale

Address of property sold

Postcode

Length of time property was owned by you

Total sale amount received (£)

Date the sale was completed

1d(vi) Company sale

Company number

Full legal name of the company sold

Total value of sale (£)

Date of sale

Nature of the company's business

Share of total value received

Examples of forms of acceptable evidence: • An original, signed letter from the solicitor involved in the sale

confirming details of the sale and the amount received; or • An original, signed letter from a regulated accountant confirming

details of the sale and the amount received; or • Original or suitably certified copies of the contract showing the

amount received.

Examples of forms of acceptable evidence: • An original, signed letter from the solicitor or regulated

accountant involved in the sale confirming the details and amount received; or

• An original, signed letter from the estate agent involved in the sale (if applicable) confirming details and amount received; or

• The original or suitably certified copy of the sale contract.Examples of forms of acceptable evidence: • An original or suitably certified copy of the bank or building

society statement showing total amount saved.

Examples of forms of acceptable evidence: • An original, signed letter from a regulated accountant confirming

the details; or • Original or suitably certified copies of appropriate supporting

documentation.

Amount of lump sum received (£)

Date the lump sum was received

1d(v) Maturing or redeemed investments or policy claims

Length of time investments were held

Organisation(s) where investments held

Total amount redeemed (£)

Date of redemption or maturity

Examples of forms of acceptable evidence: Original or certified copy of: • A letter from the organisation, giving details of the amount paid; or • The relevant chargeable event certificate or the contract notes.

1d(viii) Inheritance

Donor's name

Applicant's relationship to donor

Date of donor's death (where applicable)

Total amount received (£)

Date amount was received

Examples of forms of acceptable evidence: • An original or suitably certified copy of the grant of probate (with

copy of the will attached) showing the value of the estate; or • An original, signed letter from the solicitor involved in the case

confirming details and the amount received.

Examples of forms of acceptable evidence: Original or suitably certified copy of: • A recent pension statement showing amounts paid; or • An original, signed letter from the Pension Provider confirming

payments made; or • An original, signed letter from a regulated accountant confirming

the details.

Income received in the last tax year (£)

Income received in this tax year(£)

Frequency of income

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1d(xi) Gambling or Lottery win

Name of paying organisation

Total amount won (£)

Date win payout received

Description of win

1d(xii) Court Order (e.g. Compensation claim / divorce settlement)

Name of payer

Total amount received (£)

Date amount received

Reason for payment

Examples of forms of acceptable evidence: • An original, or suitably certified copy of the Court Order; or • An original, signed letter from the solicitor involved in the case

confirming details and the amount received.

Examples of forms of acceptable evidence: • An original, signed letter from the paying organisation confirming

the details of the win and the amount of the payout; or • A suitably certified copy of the bank statement, clearly showing

the amount received and the paying organisation details.

1d(x) Sale of shares

Company number

Legal name of company in which shares held

Total value of shares sold (£)

Date of sale

Type and number of shares sold

Address of intermediary used for the sale e.g.Stockbroker

Postcode

Examples of forms of acceptable evidence: Original or certified copy of: • Legal sale document confirming details; or • The contract notes.

'Source Account' means the actual account from which any new and/or future monies (excluding transfers from the existing providers) that are to be received into your Wealthtime Private Client Service will come. Please note: 1) If the source account details provided do not match

those for the account from which the money is actually received we may ask for additional information and/or documentation to understand the reasons why.

2) We may ask for additional information and / or documentation if money is received from an account which is not in the Applicant's name.

3) If we receive money from more than one source account or from a jurisdiction we consider to be a higher money laundering risk we may ask for additional information and / or documentation.

4) If you expect to request payments from your Wealthtime products to this account please enclose supporting evidence of the account details in the form of an original bank statement (internet bank statements are not accepted), void cheque or paying in slip which clearly shows the Account name, Sort code and Account number.  Future payments will not be processed without one of these supporting documents.

1e Source Account (Mandatory)

Name(s) of account holder(s)

Sort code Account number

Bank or Building society name and address

Postcode

Building society reference number (if applicable)

Source account details:

Number of years

How long has this account been held for

Number of months

1d(ix) Gift

Donor's name

Applicant's relationship to donor

Total amount received (£)

Date amount was received

Reason for gift

Source of donor's wealth

Examples of forms of acceptable evidence: • An original, signed letter from the donor confirming the details

and amount of the gift; and • Documentary evidence, as outlined in the relevant section, of

the donor's source of wealth.

Please note if the donor is making any payments directly to Wealthtime then the donor will need to be money laundered.

Please complete this 'Source Account' section for each and every individual who may contribute.

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2 Financial Adviser Details

Offshore Bond (Go to Section 5)

SIPP (Go to Section 6)

Personal Investment Portfolio (Go to Section 4)

Stocks and Shares ISA (Go to Section 7)

If you now wish to take out a Product then you will need to complete the relevant Section. Please indicate in the boxes below the Products required:

3 Product Selection

6 SIPP Application FormBefore completing this Application Form please ensure you have read the SIPP Key Features and are satisfied that this Product is appropriate for you.

4 Personal Investment Portfolio Application FormBefore completing this Application Form please ensure you have read the Wealthtime Private Client Service Key Features and Terms and Conditions and are satisfied that this Product is appropriate for you.

I wish to hold the following Offshore Bond(s) under Letter of Instruction

5 Offshore Bond

Name of transferring Portfolio

Portfolio Number

4b Portfolio to be Transferred

NoYesAre the assets to be re-registered into the PIP as part of an in specie transfer value?If 'Yes' Wealthtime will require a current valuation from the transferring account and a list of assets including asset/unit holding, price and value. Wealthtime will then confirm which assets can be re-registered. If you send this information with this Application Form then this could speed up the process.

Address of transferring Portfolio

Financial Adviser address

Financial Adviser contact name

Company name

2a My Financial AdviserI have appointed the Financial Adviser Firm nominated in Section 2 to arrange my Wealthtime Private Client Service and provide me with ongoing advice and to act as my agent in respect of providing instructions or carrying out transactions on my behalf in respect of my Wealthtime Private Client Service. If you wish your appointed Financial Adviser to take Adviser Charges from your Wealthtime Private Client Service or Wealthtime Products please complete the Wealthtime Adviser Charges Agreement. If you do not wish to do this you also have the option to pay your Adviser Charges direct to your Financial Adviser rather than through Wealthtime.

Regular Payments (£)

I wish to pay by regular payments:

If regular payments are to be made to your PIP please forward a completed Direct Debit Instruction to Wealthtime, a copy is available in the Literature Library at www.wealthtime.co.uk. Please allow 20 working days for Wealthtime to set up any Direct Debit Instruction. Please note direct debits can only be taken from your bank account on either the 12th or 27th of the month.

Start date for regular payments:

Frequency of regular payments:

or

Offshore Bond Provider and Policy Number

2b Need for a Financial AdviserPlease note that the Wealthtime Private Client Service only operates through Financial Advisers. You will need to have a Financial Adviser throughout the lifetime of your Wealthtime Private Client Service. We regret we are unable to offer this service to direct clients.

Monthly Quarterly

Half yearly Yearly

Please contact Wealthtime for the relevant Offshore Bond Provider's Letter of Instruction.

Paraplanner / Administrator contact name

To make a payment into the Personal Investment Portfolio, please indicate the amount you wish to make.

I wish to make the following lump sum payment:

Total Amount (£)

(Please make cheques payable to 'Wealthtime Trustees Limited').

Offshore Bond Provider and Policy Number

4a Lump Sum or Regular Payment

SIPP

Please tick one of these boxes if the sale of the following products has been conducted on an execution only basis (as defined in the FCA Handbook Glossary). WARNING: Please note we may not accept the business if any of these boxes are ticked

ISA PIP

Please tick this box if any Pension Transfer is being conducted on an execution only basis (as defined in the FCA Handbook Glossary).

Please tick this box if any pensions to be transferred into the SIPP meet the definition of a Pension Transfer (as defined in the FCA Handbook Glossary).

Please tick this box if the sale of the SIPP is being undertaken following or in conjunction with you providing the client with advice on a Pension Opt Out* (as defined in the FCA Handbook Glossary).* Please note that the Wealthtime SIPP is not an auto-enrolment or qualifying scheme.

2c To be completed by the Financial Adviser

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6a Contributions

6a(i) Entitlement to Tax Relief (Mandatory if contributing)Please tick most relevant box:(i) I have relevant UK earnings chargeable to income tax, or general earnings from overseas Crown employment subject to UK tax, in this tax year

(ii) I have, or shall have, been resident in the UK at some time during this tax year

(iii) My spouse has for this tax year general earnings from overseas Crown employment subject to UK tax

(iv) I, or my spouse, are in overseas Crown employment but for this tax year do not have general earnings from overseas Crown employment subject to UK tax.

If you have ticked (i) we will reclaim basic rate tax on your personal contributions. If you have ticked (ii), (iii) or (iv) we will reclaim basic rate tax on your personal contributions up to £3,600 gross. If you are unable to tick any of these boxes we will not reclaim any basic rate tax relief on your personal contributions.

Please complete this section if single or regular contributions will be paid into this SIPP.

IMPORTANT: If you have Enhanced or Fixed Protection any contribution made to this SIPP means you will lose this Protection. You should speak to your Financial Adviser.

6a(ii) Personal Contributions

How much would you like to pay into your SIPP?

Single contribution (£) (gross)*

Regular contribution (£) (gross)*

Frequency of regular contributions

Monthly Quarterly

Half yearly Yearly

* You need only pay the net (of basic rate tax) amount to Wealthtime Trustees Limited. To calculate the net amount you actually pay to Wealthtime Trustees Limited you should multiply the gross amount (as indicated in the box above) by 0.80.

If regular contribution payments are to be made to your SIPP please forward a completed Direct Debit Instruction to Wealthtime, a copy is available in the Literature Library at www.wealthtime.co.uk. Please allow 20 working days for Wealthtime to set up any Direct Debit Instruction. Please note direct debits can only be taken from your bank account on either the 7th or 21st of the month.

Start date for regular contribution payments:

or

Will your personal contributions be paid to Wealthtime by a third party, other than your employer?

Yes No

If personal contributions are received from your employer please forward to them the Record of Payments Due Form for completion and return to Wealthtime. A copy is available in the Literature Library at www.wealthtime.co.uk.

6a(iii) Employer Contributions (if applicable)All employer contributions are paid gross. All figures must be expressed as a monetary amount and not a percentage of remuneration.

Single contribution (£) (gross)

Regular contribution (£) (gross)

Frequency of contributions

Monthly Quarterly

Half yearly Yearly

How much would your employer like to pay into your SIPP?

If your employer is making contributions to your SIPP please provide contact details for your employer:

Employer contact name

Country of establishment / incorporation

Employer/Company registered number (If applicable)

Nature of business

Employer address

If personal contributions are paid net of basic rate tax, Wealthtime will reclaim this tax. The tax reclaim will take between 7-11 weeks. Please note that the value of the reclaim can only be invested once it has been paid into your designated SIPP bank account and it has cleared.

If 'Yes' you will need to supply documentary evidence of identity. Please refer to the SIPP Checklist at the end of this Form for more details on this requirement.

NoYes

Is your Employer Contribution from an Unincorporated Business?

If your employer wishes to contribute to your SIPP please forward to them the Record of Payments Due Form for completion, along with the Direct Debit Instruction if applicable and return to Wealthtime. Please allow 20 working days for Wealthtime to set up any Direct Debit Instruction. Please note direct debits can only be taken from your employer's bank account on either the 7th or 21st of the month.

or

Start date for regular contribution payments:

Postcode

Telephone number

Fax number

Employer name

If 'Yes' please provide the name and address of the third party. You will need to supply documentary evidence of identity. Please refer to the Checklist at the end of this Form.

(Please make cheques payable to 'Wealthtime Trustees Limited').

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6b Pension Scheme to be Transferred

If 'Yes' Wealthtime will require a current valuation from the transferring scheme and a list of assets including asset/unit holding, price and value. Wealthtime will then confirm which assets can be re-registered. If you send this information with this Form then this could speed up the transfer process. Some providers will insist on receipt of their own completed Discharge Forms which you can obtain from your existing pension provider. Alternatively, Wealthtime is a user of the Origo Options Transfer Service and if your existing pension provider is also a user of this service then we will not require a completed Discharge Form.

NoYes

Are any assets to be re-registered into the SIPP as part of an in specie transfer value?

NoYes

If both uncrystallised and crystallised pension arrangements are to be transferred we will open a SIPP arrangement for you for your uncrystallised funds and an Income Transfer Plan (ITP) arrangement for your crystallised funds. Both parts will be held under the same Plan.

Does this represent the full value of the Scheme being transferred?

Capped Drawdown Flexi-access Drawdown

Please tick the appropriate box to indicate whether the crystallised part is in:

Estimated uncrystallised* value (£)

Uncrystallised

Already fully crystallised Partially crystallised

Are the funds being transferred

NoYesIf 'Yes' is there any Pension Commencement Lump Sum available?

If 'Yes' is the transfer a payment Pension Credit Rights?

Yes No

Is the transfer payment from an arrangement under which you are not an original member?

Contact name

Postcode

Address of transferring scheme

HM Revenue & Customs reference number (if known)

I wish to transfer my entitlement to benefits from the following pension scheme to the Wealthtime Self Invested Pension Plan administered by Wealthtime. Please note that for all Pension Transfers, whatever the value, Wealthtime will require advice recommending the transfer to be obtained from a financial adviser qualified to advise on such transfers in accordance with the requirements of the Financial Conduct Authority. A copy of this advice may need to be supplied to Wealthtime.

Financial Adviser Name

FCA Authorisation Number

Financial Adviser Firm Name

I confirm I have received such financial advice in connection with this transfer.Please tick box to confirm

(e.g. Personal Pension, Section 32, AVC, Occupational Defined Benefit, Occupational Defined Contribution, SIPP)

Type of pension scheme

Policy number(s) or Reference number(s)

Full name of transferring scheme

* The part of the fund on which you have drawn benefits is known as the crystallised part and the part on which you have not drawn benefits is the uncrystallised part.

Estimated crystallised* value (£)Date

Client signature

Client Declaration I accept that the benefits to be provided by the receiving scheme may be in a different form and of a different amount to those which would have been payable by the transferring scheme, and there is no statutory requirement on the receiving scheme to provide for survivor's benefits out of the transfer payment. I authorise and instruct you to transfer the funds referred to in this SIPP Transfer In Form directly to Wealthtime. Where you have asked me to give you any original policy documents in return for the transfer of funds and I am unable to do so I promise to accept responsibility for any claims, losses and expenses of any nature which you may incur as a result of having made the transfer(s) specified above. I authorise you to release all necessary information to Wealthtime to enable the transfer of funds to Wealthtime. I authorise you to obtain from and release to the financial adviser named in this application any additional information that may be required to enable the transfer of funds. If an employer is paying contributions to any of the plans referred to above, I authorise you to release to that employer any relevant information in connection with the transfer of funds from the relevant scheme. Until this application is accepted and complete, Wealthtime’s responsibility is limited to the return of the total payment(s) to you. Where the payment(s) made to Wealthtime represents all of the funds under the scheme(s) specified above then payment made as requested will discharge you of all claims and responsibilities in respect of the said scheme. Where the payment(s) made to Wealthtime represents part of the funds under the scheme(s) listed, then you will be discharged of all claims and responsibilities only in respect of the part of the scheme(s) represented by the payment(s). I promise to accept responsibility in respect of any claims, losses and expenses that Wealthtime and the transferring provider(s) may incur as a result of any incorrect information provided by me in this application or of any failure on my part to comply with any aspect of this application.

or a Dependant or Nominee Pension

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6b Pension Scheme to be Transferred

If 'Yes' Wealthtime will require a current valuation from the transferring scheme and a list of assets including asset/unit holding, price and value. Wealthtime will then confirm which assets can be re-registered. If you send this information with this Form then this could speed up the transfer process. Some providers will insist on receipt of their own completed Discharge Forms which you can obtain from your existing pension provider. Alternatively, Wealthtime is a user of the Origo Options Transfer Service and if your existing pension provider is also a user of this service then we will not require a completed Discharge Form.

NoYes

Are any assets to be re-registered into the SIPP as part of an in specie transfer value?

NoYes

If both uncrystallised and crystallised pension arrangements are to be transferred we will open a SIPP arrangement for you for your uncrystallised funds and an Income Transfer Plan (ITP) arrangement for your crystallised funds. Both parts will be held under the same Plan.

Does this represent the full value of the Scheme being transferred?

Capped Drawdown Flexi-access Drawdown

Please tick the appropriate box to indicate whether the crystallised part is in:

Estimated uncrystallised* value (£)

Uncrystallised

Already fully crystallised Partially crystallised

Are the funds being transferred

NoYesIf 'Yes' is there any Pension Commencement Lump Sum available?

If 'Yes' is the transfer payment Pension Credit Rights?

Yes No

Is the transfer payment from an arrangement under which you are not an original member?

Contact name

Postcode

Address of transferring scheme

HM Revenue & Customs reference number (if known)

I wish to transfer my entitlement to benefits from the following pension scheme to the Wealthtime Self Invested Pension Plan administered by Wealthtime. Please note that for all Pension Transfers, whatever the value, Wealthtime will require advice recommending the transfer to be obtained from a financial adviser qualified to advise on such transfers in accordance with the requirements of the Financial Conduct Authority. A copy of this advice may need to be supplied to Wealthtime.

Financial Adviser Name

FCA Authorisation Number

Financial Adviser Firm Name

I confirm I have received such financial advice in connection with this transfer.Please tick box to confirm

(e.g. Personal Pension, Section 32, AVC, Occupational Defined Benefit, Occupational Defined Contribution, SIPP)

Type of pension scheme

Policy number(s) or Reference number(s)

Full name of transferring scheme

* The part of the fund on which you have drawn benefits is known as the crystallised part and the part on which you have not drawn benefits is the uncrystallised part.

Estimated crystallised* value (£)Date

Client signature

Client Declaration I accept that the benefits to be provided by the receiving scheme may be in a different form and of a different amount to those which would have been payable by the transferring scheme, and there is no statutory requirement on the receiving scheme to provide for survivor's benefits out of the transfer payment. I authorise and instruct you to transfer the funds referred to in this SIPP Transfer In Form directly to Wealthtime. Where you have asked me to give you any original policy documents in return for the transfer of funds and I am unable to do so I promise to accept responsibility for any claims, losses and expenses of any nature which you may incur as a result of having made the transfer(s) specified above. I authorise you to release all necessary information to Wealthtime to enable the transfer of funds to Wealthtime. I authorise you to obtain from and release to the financial adviser named in this application any additional information that may be required to enable the transfer of funds. If an employer is paying contributions to any of the plans referred to above, I authorise you to release to that employer any relevant information in connection with the transfer of funds from the relevant scheme. Until this application is accepted and complete, Wealthtime’s responsibility is limited to the return of the total payment(s) to you. Where the payment(s) made to Wealthtime represents all of the funds under the scheme(s) specified above then payment made as requested will discharge you of all claims and responsibilities in respect of the said scheme. Where the payment(s) made to Wealthtime represents part of the funds under the scheme(s) listed, then you will be discharged of all claims and responsibilities only in respect of the part of the scheme(s) represented by the payment(s). I promise to accept responsibility in respect of any claims, losses and expenses that Wealthtime and the transferring provider(s) may incur as a result of any incorrect information provided by me in this application or of any failure on my part to comply with any aspect of this application.

or a Dependant or Nominee Pension

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6c SIPP Transfers Only - Income and Benefits already in PaymentIf you are transferring crystallised benefits already in drawdown payment please complete section 6c (i), (ii) or (iii), (iv) and (v) of this Form and there is no need to complete a Benefit Payment Form. If you wish to crystallise new funds (i.e. take PCLS and/or income payments) from your SIPP please complete the Benefit Payment Form in the Literature Library at www.wealthtime.co.uk.

6c(i) Benefits to be taken from my existing drawdown arrangements (ITP)Please indicate the annual level of income you wish to take from the ITP arrangement/s (please tick one box):

Specific income level

No income

Maximum income (capped drawdown only)

Before Wealthtime can continue to pay any income from the ITP the transferring scheme must have supplied full details in accordance with HM Revenue & Customs regulations. Please forward parts 2 and 3 of the P45 issued to you by the transferring scheme. If no P45 has been issued you may be taxed on your income under an emergency tax code.

Monthly

Quarterly

Half Yearly

Yearly

Please state amount p.a. gross (£)

6c(ii) Capped Drawdown Income Payment FrequencyI wish to receive my income payments (please tick one box):

Income payments are always made on the first business day of the month. Wealthtime can only commence payments upon receipt of cleared funds and transfer paperwork from the transferring scheme. This must be received 15 working days prior to the date of the first payment.

Income can only be paid to a personal bank/building society account by BACS payment. Please provide details of your bank/building society account into which you wish your income to be paid. Please note that Wealthtime can only pay to a UK bank/building society account. Please enclose supporting evidence of these account details in the form of an original bank statement (internet bank statements are not accepted), void cheque or paying in slip which clearly shows the Account name, Sort code and Account number.  Your PCLS and income payments will not be processed without one of these supporting documents. You will need to check with your bank/building society that BACS payments can be accepted into this account and that the details below are all they need for this.

6c(iv) My Bank Account Details

Account name

Sort code Account number

Bank name and address

Postcode

Building society reference number (if applicable)

6c(v) Disinvestment Instructions

Income payments will be made from your designated SIPP bank account. If there are insufficient monies in the account, it may mean that your income cannot be paid on time. Please note that disinvestments from the Wealthtime Funds List must be placed by your Financial Adviser using the Wealthtime Online Service. If you wish Wealthtime to request disinvestment from other assets held outside the Wealthtime Funds List please ensure Weathtime receive clear instructions. You will need to check that your chosen investment providers/fund managers are able to set up the required disinvestments.

All clients entering flexi-access drawdown after the 6th April 2015 (which includes existing clients converting from capped drawdown to flexi-access drawdown) will need to choose one of the income payment frequencies below: Please tick one option only from the list below:

Please provide details of any specific instructions in the box below or in a covering letter e.g. the month(s) in which ad hoc payments are to be made, ad hoc payments that are additional to monthly payments etc. and we will endeavour to meet your requirements:

Full fund in one payment

Ad hoc payments

Monthly payments

6c(iii) Flexi-access Drawdown Income Payment Frequency

Please see section 6d entitled Benefit Drawdown Glossary for flexi-access drawdown income considerations.

Please see section 6d entitled Benefit Drawdown Glossary for capped drawdown income considerations.

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Drawdown options All new clients and existing clients who have not entered capped drawdown on or before the 5th April 2015 wishing to take income after the 6th April 2015 will be paid via flexi -access drawdown pension. In addition, any existing clients who were previously using flexible drawdown will be automatically converted to flexi-access drawdown from the 6th April 2015. Existing clients who entered capped drawdown on or before the 5th April 2015 will remain on capped drawdown, until they convert to flexi-access drawdown. Payment of pension income: All income payments, irrespective of frequency, are paid on the 1st business day of the month. Tax rules applying to flexi-access income drawdown payments All payments will be taxed at your marginal rate and all payment frequencies will be processed using the monthly payroll process. HM Revenue & Customs PAYE rules require pension operators to deduct tax from income drawdown pension payments (after any pension commencement lump sum has been removed) using the emergency tax code on a Month 1 basis until such time as we have received instructions to use a revised tax code from HM Revenue & Customs. Using the emergency tax code on a Month 1 basis may result in you initially paying more or less tax than you should. HM Revenue & Customs may then adjust this position through your tax code or through self-assessment. If we are provided with a P45 from a previous pension provider, before we make the first pension payment, we will carry forward this code on a Month 1 basis if HM Revenue & Customs rules allow us to do so. If HM Revenue & Customs rules do not permit us to carry forward the code on the P45 then payments will be taxed using the emergency code. If you take your full fund in one payment we will close the payroll immediately after the payment is made and send you a P45. You will need to keep this safe as it is evidence of the income received and tax deducted in the tax year and may be required if you are asked to complete a self-assessment tax return or seek to make an in year reclaim directly from HM Revenue & Customs. If you take your fund in regular or ad hoc payments we will only close the payroll and send you a P45 after the final payment that extinguishes the fund been made to you. If you have unpaid funds remaining at the end of the tax year, and we have made at least one payment to you in the tax year, we will send you a P60.

Flexi-access drawdown income considerations Taking an income withdrawal as an ad hoc or full fund payment this may result in you paying tax at a higher marginal rate than would be the case if you took regular payments and this will mean possibly paying more tax initially than you should on the payment(s). If this happens HM Revenue & Customs will then adjust your tax position through your tax code or through self-assessment at the end of the tax year or, in certain circumstances, via an in year repayment request (you will need to contact HM Revenue & Customs directly to discuss this option). If you choose the monthly payment option you can decide to suspend payments for one or more months or take an ad hoc payment, in addition to a regular monthly payment. In all cases, where this has not been specified above, we will require income amendment instructions to be received by us at least 15 working days in advance of the payment date for us to be able to action these requests in time. Please note that all ad hoc or full fund payments will be paid on the 1st business day of the month you specify (subject to the request being received at least 15 working days in advance of the payment date). Ad hoc payments, where not specified above, will require a specific instruction (including the gross amount and payment month) to be sent to Wealthtime at least 15 working days in advance of the payment. Cleared funds must be available in your account, at least three working days before the payment date, to pay the required income otherwise the payment will be carried over to the 1st business day of the next month.

Regular capped drawdown income considerations The frequency options are designed for clients who wish to take a regular income stream at fixed frequencies in the tax year. Please note that if you choose a quarterly, half yearly or yearly regular income option we will be unable to make any ad hoc payments outside of your chosen frequency. If you require the flexibility to take payments more often you will need to select the monthly payment option. Please note that changing the frequency of payments mid-way through a tax year could result in you initially paying a higher amount of tax than would otherwise be the case. Cleared funds must be available in your account, at least three working days before the payment date, to pay the required income otherwise the payment will be carried over to the 1st business day of the next month. If you convert from capped drawdown to flexi-access drawdown you will need to specify one of the new flexi-access income frequencies for future payments (see the flexi-access pension section for details).

6d Benefit Drawdown Glossary

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Please provide details of those people you would like to receive any benefit payable under the Scheme on your death. If you have more than two people please copy this form and enter their details or alternatively use the "SIPP Expression of Wish" Form in the Literature Library at www.wealthtime.co.uk. This Expression of Wish does not bind the Trustee of the Scheme, but will help the Trustee to pay out benefits in line with your wishes. The Expression of Wish can be changed in writing at any time.

Date of birth

Address

Postcode

Name

Relationship

Percentage of benefit (%)

Date of birth

Address

Postcode

Name

Relationship

Percentage of benefit (%)

6e Expression of Wish - Disposal of Death Benefit6e (i) Details

6e (ii) Charity NominationPlease provide details of any funds to be paid to charity.

Charity Name

Address of Charity

Postcode

Date of Trust

Please note: l In the event of death, Wealthtime will require written

confirmation from the above named Trustee(s) confirming that the Trust is a 'valid trust' as defined in the Scheme Rules.

l Payment to the Trust will be made at the discretion of Wealthtime in accordance with the Scheme Rules.

l Wealthtime is not a Trust expert and cannot be held responsible for ensuring a Trust fulfils the purposes for which it was intended.

Address where Trust is held

Postcode

Name of Trust

Name of Trustees

6e (iii) Trust Nomination

Percentage of benefit (%)

Registration No. (if known)

Please note: l Any chosen charity must be a UK registered charity.

By naming an individual they will be able to choose either the lump sum option or (as nominee or dependant) a pension or annuity (or a combination of the three options).

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7 Stocks and Shares ISA Application Form

7a Personal Details (Mandatory)

Date of birth

Permanent residential address

Postcode

Mr Ms MissMrs

Other If 'Other' please state

Forename(s)

Surname

National Insurance NumberI have never had a National Insurance Number (please tick box if applicable)

If regular subscriptions are to be made to your ISA please forward a completed Direct Debit Instruction to Wealthtime, a copy is available in the Literature Library at www.wealthtime.co.uk. Please allow 20 working days for Wealthtime to set up any Direct Debit Instruction. Please note direct debits can only be taken from your bank account on either the 3rd or 17th of the month.

Before completing this Application Form please ensure you have read the Wealthtime Private Client Service Key Features and Terms and Conditions and are satisfied that this Product is appropriate for you.

7d Details of ISA(s) to be Transferred

I wish to transfer my existing ISA(s) into a Wealthtime Stocks and Shares ISA

Total number of ISAs to be transferred

You must complete a separate Transfer Application Form for each existing ISA Manager. Wealthtime will then forward this form to your existing ISA Manager.

Start date for regular subscriptions:

or

Frequency of regular subscriptions

7b New Subscription Details

If assets are to be re-registered into the ISA as part of an in specie transfer value, then Wealthtime will require a current valuation from the transferring ISA Manager and a list of assets including asset/unit holding, price and value. Wealthtime will then confirm which assets can be re-registered. If you send this information with this Application Form then this could speed up the process.

Monthly Quarterly

Half yearly Yearly

An ISA will not be opened unless a subscription payment is received (with the Application), regular payments are established by Direct Debit or an ISA Transfer Application Form is enclosed.

/

and each subsequent tax year until further notice.

Please note your residential address must be in the UK at the time the ISA is opened and you must also be resident in the United Kingdom to be eligible to subscribe to an ISA. Please see the ISA declaration for more details.

I apply to subscribe for a Stocks and Shares ISA for the tax year

If you are eligible to make an additional permitted subscription in respect of a deceased spouse's Wealthtime ISA please contact Wealthtime for further information.

7e Surviving Spouse Additional Allowance

7c Payment Details

7c (i) Lump sum payments

Lump Sum Payments (£)

Please tick as appropriate:

I wish to pay for my subscription by cheque

(Please make cheques payable to 'Wealthtime Trustees Limited').

I wish to pay for my subscription from my Designated Personal Investment Portfolio Bank Account

7c (ii) Regular payments

Regular Payments (£)

I wish to pay for my subscription by regular payments:

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Below are the Terms and Conditions that all Wealthtime Online Users must agree to before access will be granted. Please read them carefully and make sure you understand all items before signing the Online Registration Declaration. General • These Terms and Conditions apply to all/any of our online

services or 'the service' for which you have registered or will register in the future by completion and submission of this Online Registration.

• From time to time we may notify you of and ask you to accept any additional Terms and Conditions online and/or by revisions to this document.

Security • Access to Wealthtime's online services is controlled by each

user having a unique user record or other security identification data or token.

• You are responsible for ensuring you protect your login details or other security identification information, or token, and to ensure this you must: take reasonable steps to keep it secret, not share your login details with anyone, not allow anyone else to use it, never write it down without disguising it, not leave a PC unattended whilst logged onto the service and destroy or securely store any information printed off from the service.

Data Protection • Please refer to the Data Protection clauses included in the

WPCS Key Features and Terms and Conditions and the Wealthtime Data Protection Privacy Notice available at www.wealthtime.co.uk

Revoking Access • Wealthtime reserves the right to revoke any client's and/or

their nominee's online user access as we see fit.

Information Available • The details available under your Wealthtime Private Client

Service are for illustrative purposes only. • The date when the information for your Wealthtime Private

Client Service was last updated will be indicated where possible.

Additional Users • Wealthtime in principle will grant separate user access to

you/your nominee and also any of your representatives. • It is your responsibility to keep Wealthtime informed of any

change to your representatives and any third party access rights.

• Wealthtime will also grant access to other members of your Wealthtime Private Client Service (e.g. Family Members) should you so wish following completion of the Authority to Provide Information to Third Party Form.

Additional Access to other accounts • If you also wish to view the products of other members of

your Wealthtime Private Client Service (e.g.Family Members) then please ask the relevant parties to complete the Authority to Provide Information to Third Party Form. Please note in respect of minors this access will be automatically retracted when the minor reaches the age of 18 years, at which point they can sign the Authority to Provide Information to Third Party Form in their own right to allow you to continue your access to their information, if required.

Availability/Alteration of Service • Availability of our online services depends on our own

systems availability and normal internet availability. We will not accept liability for any consequences of unavailability of the system for any reason.

• We may amend, extend or withdraw any online service at any time.

Access Rules • The information relating to your Wealthtime Private Client

Service can only be accessed using your Online Access Number, Password and Pin Number.

• The service may have limited update facilities allowing the user to inform Wealthtime of changes. If any such changes are made to the data, Wealthtime will not accept responsibility for its accuracy.

Errors and Omissions • We will use reasonable endeavours to keep our records up to

date at all times. However, there may be changes which we may not have been notified of by you or a third party. If you access a record, which you believe contains errors or omissions please tell us immediately.

• Wealthtime acts as a central collection point for investment information. We rely on third parties to get up-to-date information and are dependent on their efficiency and accuracy.

• We will not accept liability for any claims by you and/or your appointed representative/nominee/adviser for damages or loss arising from an inaccurate record.

d Online Registration Declaration

I warrant that I am/my nominee is (where applicable) authorised to view the relevant data. I declare that I have read and accept the Wealthtime Online Services Terms and Conditions and that the Online Account will be activated. * This is either the client or the nominee.

Client's signature Date

c Wealthtime Online Services Terms and

Online Registration (Mandatory for all clients)

b Online Service *User Memorable InformationSecurity information must be provided to enable us to verify users. You will need to remember this information as we will ask you about it when you first log in. Please use a maximum of 20 characters, and avoid the use of punctuation, for all the information below. Please note all 5 of the Memorable Information items listed below need to be completed and remembered exactly as entered below. * This is either the client or the nominee

Please note: When entering your memorable date, the year should be between 1900 and 2100.

Memorable date DD/MM/YYYY

Conditions

a Personal Details

Client Name

Mother's maiden name

Memorable place

Memorable school

Place of birth

Personal email address for online service *user (mandatory)

A client may nominate a third party to view data. Where a nominee is appointed, the nominee should complete this form with their details and both the nominee and client should sign the form.

If a nominee is being appointed please also complete and sign section e on the next page.

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Nominee's signature

I appoint the nominee below to view my data, receive information online including confidential information and to send secure messages, if applicable, which Wealthtime shall be entitled to assume are sent on my behalf and with my authority unless I notify Wealthtime otherwise. I authorise Wealthtime to provide the Wealthtime Online Service to my nominee who makes this Online Registration application for the Wealthtime Online Service with me. I understand that I can withdraw the consent for my nominee to view my account at any time by contacting Wealthtime and requesting that nominee access be removed. Please note that this nominee is only in respect of the Wealthtime Online access and correspondence will still be addressed to the underlying client.

e Online Registration - Appointment of Nominee

Client's signature

Address of Nominee

Postcode

Name of Nominee

Nominee Declaration I warrant that I am authorised to view the relevant data. I declare that I have read and accept the Wealthtime Online Services Terms and Conditions and that the Online Account will be activated. I warrant I will bring to the attention of the client any and all information that requires a decision or action by the client and to convey such decisions or action to Wealthtime if appropriate.

Date

Date

Page 15 of 24

Declaration (Important - Please Read)

ISA DeclarationI declare that to the best of my knowledge and belief, the information given on the Application Form is correct and complete and I undertake to inform Wealthtime Limited, without delay, if there are any changes in the information contained in this Form. I authorise Wealthtime to send copies of all statements issued in respect of my ISA and to disclose details of that ISA to my Financial Adviser as named on this Application (or as subsequently amended by me as applicable).

Please note that this declaration forms part of your Application for your Wealthtime Private Client Service and the Relevant Products and together with the Terms and Conditions of the Wealthtime Private Client Service, which include those of the Relevant Products and the entire Application Form once accepted by ourselves together with the Terms and Conditions constitute a legally binding contract between you and Wealthtime. Please note that Wealthtime means Wealthtime Limited or Wealthtime Trustees Limited where appropriate in the particular context and unless a specific company name is mentioned.

I declare that: • All subscriptions made, and to be made, belong to me. • I am 18 years of age or over. • I have not subscribed, and will not subscribe, more than the

overall subscription limits in total to a cash ISA, a stocks and shares ISA and an Innovative Finance ISA in the same tax year.

• I have not subscribed, and will not subscribe, to another stocks and shares ISA in the same tax year that I subscribe to this stocks and shares ISA and

• I am resident in the United Kingdom for tax purposes or, if not so resident, either perform duties which, by virtue of Section 28 of Income Tax (Earnings & Pensions) Act 2003 (Crown employees serving overseas), are treated as being performed in the United Kingdom, or I am married to, or in a civil partnership with, a person who performs such duties. I will inform Wealthtime Limited if I cease to be so resident or to perform such duties or be married to, or in a civil partnership with, a person who performs such duties. I understand that if I am not resident for tax purposes in a tax year any subscriptions made in that tax year will have to be refunded. I understand that if I notify Wealthtime that I am moving to a non UK address Wealthtime will continue to accept subscriptions for the tax year of departure unless I tell them I expect to be not resident for the tax year. Subscriptions cannot be accepted for the following tax year and Wealthtime will be unable to accept any further subscriptions from me unless I declare to Wealthtime that I remain UK resident for tax purposes. (Guidance on the meaning of resident for tax purposes can be found on the HM Revenue and Customs website at www.hmrc.gov.uk/international/residence.htm).

I authorise Wealthtime Limited as the ISA Manager: • To set up and administer my Wealthtime ISA. • To arrange any transfer of an ISA that I may request from

time to time. • To arrange for its nominee to hold my cash subscription, ISA

investments, interest, dividends and any other rights or proceeds in respect of those investments and any other cash and

• To make on my behalf any claims to relief from tax in respect of ISA investments.

I hereby consent to Wealthtime Limited obtaining details from my existing ISA Manager and authorise the giving of any such details to Wealthtime Limited. I declare that the Application Form has been completed to the best of my knowledge and belief. I understand it is a serious offence to make false statements and that the penalties are severe and could lead to prosecution.

I confirm that to the best of my knowledge and belief, the particulars given on the Application Form are correct and complete. I understand Wealthtime will normally correspond with my appointed Financial Adviser unless I have requested otherwise. If I appoint an Investment Manager I fully understand and agree: l That I am solely responsible for all decisions relating to the

purchase, retention and sale of the investments forming part of the Wealthtime SIPP.

l To hold Wealthtime Limited and Wealthtime Trustees Limited jointly indemnified against any claim in respect of such decisions.

I understand that Wealthtime will provide a formal statement of my plan every six months and that a current valuation can also be accessed anytime through Wealthtime online. In regard to my Expression of Wish, I understand that Wealthtime will assume that where I have disclosed information about another person I have: l Obtained their consent to disclose such information

and l Informed them of the purposes for which their information

will be processed. ITP ONLY I request and consent to the payment of benefits set out in Section 6 of this application. I understand and agree that if appropriate, Wealthtime has my authority to check with HM Revenue & Customs the details of any certificate which I supply which enhances my lifetime allowance. I understand that the ITP has been established for the purpose of accepting the transfer payment of crystallised rights from registered pension schemes only. I understand that the ITP prohibits the acceptance of other types of transfer payments. I understand that no pension commencement lump sum is payable under the ITP. Please note: Since this application is also to be used as an application for tax relief at source, it is a serious offence to make false statements. The penalties are severe and could lead to prosecution. • I request the issue of an arrangement(s) under the Scheme,

held by Wealthtime Trustees Limited as a separate trust fund, distinct from other arrangements under the Scheme. I understand that details of the arrangement that will be issued in respect of this application are available on request.

• I undertake to tell Wealthtime in writing within 30 days if: • There is any change in my residency status. • There is any change in my name or permanent residential

address. • I lose or give up the right to enhanced protection. • I receive benefits from another pension arrangement and

to detail the size and nature of those benefits. • If I am no longer entitled to tax relief on my

contributions I undertake to tell Wealthtime in writing no later than: • 5 April in the year of assessment in which this occurs,

or • Within 30 days of this change.

SIPP Declaration

• I agree that the total contributions to any registered pension schemes, in respect of which I am entitled to tax relief, will not exceed the higher of: • £3,600 or • My relevant UK earnings for the tax year subject to a

maximum contribution of the current Annual Allowance plus any carry forward entitlement I may have (see notes).

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• I understand that the value of the Plan may only be applied to provide benefits at the time I take retirement benefits or upon my death, and that Wealthtime will provide the appropriate benefits as required.

• I undertake to inform you if I have in the past or decide in the future to take flexi-access drawdown benefits.

I hereby consent to Wealthtime requesting the transfer of my entitlement to benefits from the schemes listed in the transfers section. I hereby consent to Wealthtime obtaining details from any pension scheme, contract or arrangement of which I am, or have been, a member in connection with the transfer and authorise the giving of any such details to Wealthtime. I understand any enhanced protection will be lost if the transfer is not a 'permitted transfer', as defined by HM Revenue & Customs legislation. I understand that any entitlement to take lump sum rights in excess of 25% may only be retained on transfer, provided the transfer is part of a block transfer as defined by HM Revenue & Customs legislation. However, I understand that if this lump sum figure is over £375,000 and I have Enhanced or Primary Protection the lump sum on these certificates will take precedence. I understand that any low retirement age may only be retained on transfer if it is part of a block transfer as defined by HM Revenue & Customs legislation. I understand that Wealthtime will not pay any benefits on the funds that are transferred until all relevant transfer information has been received. I promise to accept responsibility in respect of any claims, losses and expenses that Wealthtime and the transferring provider(s) may incur as a result of any incorrect information provided by me in this application or of any failure on my part to comply with any aspect of this application. I understand it is a serious offence to make false statements and that the penalties are severe and could lead to prosecution.

Wealthtime Private Client Service Declaration

I authorise Wealthtime where appropriate to administer the investments, to arrange the investments and to arrange any transaction in respect of any investments held within my Wealthtime Private Client Service that I or my Financial Adviser/Investment Manager on my behalf may request from time to time and to transfer monies from and to any designated Product bank account for the purposes of facilitating the Wealthtime Private Client Service. Wealthtime may rely upon all instructions provided to it by myself, my Financial Adviser or my authorised representative (as applicable) in relation to the administration of my Wealthtime Private Client Service. I understand that unless otherwise provided in the Terms and Conditions of the Wealthtime Private Client Service, Wealthtime shall not be liable to me, nor will they compensate me, for any loss arising as a result of it doing anything in reliance upon any instructions; or for any reduction in the value of my investments within the Wealthtime Private Client Service resulting (either directly or indirectly) from the acts or omissions of Wealthtime, its Agents or Nominees or those of any third party, except where this arises as a result of our negligence, wilful default, misrepresentation, breach of the Terms and Conditions of the Wealthtime Private Client Service, or breach of any statutory obligations. I agree that my investments within the Wealthtime Private Client Service will be registered in the name of Wealthtime Trustees Limited as Trustee/Nominee or in the name of such other Nominee as may be appointed by any stockbroker or manager of my investments. I agree that Wealthtime Trustees Limited will be the sole authorised signatory on the bank accounts within my Wealthtime Private Client Service. I authorise Wealthtime Limited to administer and control my investments and cash held within Wealthtime Trustees Limited so as to give effect to and carry out my instructions or those of my Financial Adviser / Investment Manager. I acknowledge that I have received a copy of, and have read, and accept the Key Features and Terms and Conditions of the Wealthtime Private Client Service, which include those of the Relevant Products, including those relating to the bank accounts. I understand that the Terms and Conditions together with my Application Form where accepted by Wealthtime shall form a legally binding agreement between myself and Wealthtime. I acknowledge that Wealthtime has not provided me with any advice under the terms of the Financial Services and Markets Act 2000, in respect of any aspect of my Wealthtime Private Client Service, Wealthtime Products or investments or the appointment of any Discretionary Investment Manager, Discretionary Fund Manager or Stockbroker and has no responsibility for doing so. I acknowledge that if there is insufficient cash in my Wealthtime Private Client Service to pay any amount due, including in respect of Wealthtime's Fees, if I or my Financial Adviser having been requested by Wealthtime to do so, fail to encash sufficient investments to produce the necessary cash then Wealthtime shall be entitled to disinvest such amount from such investments as it sees fit to cover the amount payable. I will inform Wealthtime in writing within 30 days if my personal circumstances change leading me to: a. Become a tax resident of another jurisdiction by way of

citizenship or residency (irrespective of whether I continue to remain a tax resident of the UK)

b. Come within the definition of a Politically Exposed Person (PEP) at any time, as defined in Section 1 - Politically Exposed Persons.

I have not received and do not expect to receive from Wealthtime any advice in relation to my Wealthtime Private Client Service, Wealthtime Products or investments, including whether I should buy, retain or sell any particular investments.

Personal Investment Portfolio DeclarationI apply for membership of the Wealthtime Personal Investment Portfolio. I wish to re-register my existing asset(s) to the Wealthtime Personal Investment Portfolio as detailed on the attached relevant request form(s) (where applicable).

I authorise Wealthtime to set up and administer my Wealthtime Private Client Service and Products in accordance with the Wealthtime Private Client Service Terms and Conditions (subject to Wealthtime accepting my application to do so). I authorise Wealthtime and their agents to deal directly with the providers and issuers of investments held within the Wealthtime Private Client Service, all so as to give practical effect to my application for the Wealthtime Private Client Service and Products and any instruction I or my Financial Adviser/Investment Manager may give you within the scope of the Wealthtime Private Client Service Terms and Conditions and the relevant Product/investment Terms and Conditions. I authorise my Financial Adviser to act on my behalf in dealing with Wealthtime, to authorise and arrange transactions and to issue investment and disinvestment instructions and instructions in relation to the administration of my Wealthtime Private Client Service and authorise Wealthtime to accept and act upon those instructions and Wealthtime shall be entitled to assume that I have agreed the subject of such instructions unless and until I notify Wealthtime to the contrary in writing.

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I acknowledge that in order to enable Wealthtime to comply with its obligations under the Applicable Regulations (including those relating to the prevention of money laundering and terrorist financing, bribery and corruption, tax evasion, fraud and market abuse) I may at any time be required to provide and/or update information and supporting documentation about myself including details of transactions and/or the source of wealth, funds and/or income. I understand that where satisfactory information or documentation is not provided by me within any time period specified in the request, Wealthtime may exercise its rights to restrict or close the Account(s). Where Wealthtime closes the account I may still be required to provide satisfactory information or documentation before Wealthtime will carry out my instructions to withdraw or transfer funds or investments from any Account(s). I agree to pay Wealthtime's fees as set out in the applicable Wealthtime Fee Schedule and I agree to Wealthtime taking their Fees from my funds and that any indebtedness or liability incurred to or by Wealthtime under this authority shall, in the absence of any express written agreement to the contrary, be due and payable by me on demand. I understand that Wealthtime also reserves the right to pass on to the clients any fees, charges or levies raised upon the financial services industry by external statutory or quasi statutory bodies such as levies raised by the Financial Services Compensation Scheme or by HM Revenue & Customs and apportioned between its clients on such basis as it shall in its absolute discretion determine. I acknowledge and accept that Wealthtime Limited and Wealthtime Trustees Limited have not carried out and shall not in the future carry out any review of my Financial Adviser's and/or Discretionary Investment Manager's, and/or Stockbroker's, financial status, their investment and/or risk strategies nor will Wealthtime Limited or Wealthtime Trustees Limited monitor the ongoing performance of these persons. I, or my Financial Adviser on my behalf, are responsible for checking these matters and ensuring that any Discretionary Investment Manager appointed is suitable for my investment objectives. I authorise Wealthtime to provide copies of all statements issued in respect of my Wealthtime Private Client Service and the Products held under it and to disclose details of that Service to my Financial Adviser. I undertake to register, and activate my account, for the Wealthtime Online Service at the time my application to become a member of the Wealthtime Private Client Service is accepted and authorise Wealthtime to send any correspondence or documentation to the document store in respect of my Wealthtime Private Client Service on Wealthtime Online instead of by post unless legally required to do so. I declare that to the best of my knowledge and belief, the information given in the Application Form(s) is true and complete. I undertake to inform Wealthtime promptly in writing of any changes to the information contained in this Application Form as soon as I am aware that what is stated is no longer true and complete. I understand that in addition to the Confirmation of Verification of Identity that my Financial Adviser is obliged to complete, which forms part of my Application Form, Wealthtime may at its discretion use a third party of its choosing to fulfil its obligations under the Money Laundering Regulations.

I confirm my agreement to the Adviser Charges as set out in the Adviser Charges Agreement(s) I have entered into with my Financial Adviser and hereby authorise and request Wealthtime Limited to pay them on my behalf, in accordance with the provisions of the Wealthtime Private Client Service, from the funds held in my Wealthtime Private Client Service, until otherwise instructed. I understand Wealthtime will only pay these Adviser Charges if my Financial Adviser is authorised by the Financial Conduct Authority and has agreed to the Wealthtime Financial Adviser Terms of Business.

Declaration AcceptanceI apply for membership of the Wealthtime Private Client Service and the Wealthtime Products I am taking out under this service (the Relevant Products). As evidenced by my signature below I acknowledge and accept the Key Features and Terms and Conditions of the Wealthtime Private Client Service, which include those of the Relevant Products and make the foregoing declarations in respect of the Wealthtime Private Client Service and the Relevant Products. I understand that the services provided do not extend to financial advice under the terms of the Financial Services and Markets Act 2000. I confirm my acceptance of the Fees detailed in the Wealthtime Fees Schedule.

Client's signature (Please sign and date)

Full name of Client

Date

Page 18 of 24

Page 19 of 24

Transfer of Existing Assets

Cash Transfer Details

Please transfer the cash balance to Wealthtime by BACS

Portfolio to be Transferred

Receiving Portfolio Details

As the operator of the Wealthtime Private Client Service we agree to accept the transfer.

Receiving Portfolio Declaration

Name of Portfolio

Transfer In Payment Details

Date

Signed for and on behalf of Wealthtime Limited

Address

Print Name

In specie Transfer DetailsWealthtime confirms that it can accept in specie transfers of the client's Funds. (2)

Registration details will be provided by Wealthtime.

Bank Name

Bank Name

Personal Investment Portfolio

Transfer Request FormPlease complete this Form in order for us to process your Personal Investment Portfolio transfer. Wealthtime will send this Transfer Request Form to your existing Wrap manager and arrange for the Personal Investment Portfolio to be transferred in accordance with your instructions.

Name and Address of Client

Client address

Postcode

Sort Code

Account number

Reference (Compulsory)

Client Account to be credited Wealthtime Trustees Limited

Wrap/Platform Portfolio Number(s)

Name of transferring Portfolio

Address of transferring Portfolio manager

Full name

Date of birth

If it is not possible to re-register my existing Wrap/Platform Portfolio investments, please arrange for these to be sold and transferred in cash

(1) Any re-registration of investments into your Wealthtime Wealthtime Personal Investment Portfolio will be subject to your existing Wrap/Platform Portfolio Manager allowing this type of transfer and your investments being acceptable to Wealthtime (Please also see note 2).

Please arrange for the re-registration of assets held in my existing Wrap/Platform Portfolio to my Wealthtime Personal Investment Portfolio (1)(2)

Please sell the assets held in my existing Wrap/Platform Portfolio and transfer the cash proceeds to my Wealthtime Personal Investment Portfolio, or

Please tick as appropriate:

Yes No

(2) Please note that Wealthtime will not accept in specie transfers in of rebated/non clean share class funds. These will either need to be converted before they are in specied or sold and transferred in cash.

Client DeclarationPlease transfer the whole Wrap/Platform Portfolio to the Wealthtime Personal Investment Portfolio. I request and consent to the transfer set out in this Application Form. By my signing this declaration, you are authorised to release details about the transfer from my Wrap/Platform Portfolio to Wealthtime.

Signed Date

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Stocks and Shares ISA

Transfer Application Form

1 Name and Address of Client

Full name

Permanent residential address

Postcode

If it is not possible to re-register my existing ISA investments, please arrange for these to be sold and transferred in cash

* Any re-registration of investments into your Wealthtime ISA will be subject to your existing ISA Manager allowing this type of transfer and your investments being available on the Wealthtime Funds List. Please note that Wealthtime will not accept in specie transfers in of rebated/non clean share class funds. These will either need to be converted before they are in specied or sold and transferred in cash.

Please arrange for the re-registration of assets held in my existing ISA to my Wealthtime ISA*

Please sell the assets held in my existing ISA and transfer the cash proceeds to my Wealthtime ISA, or

2 Name and Address of Existing ISA

I wish to transfer my existing:

Manager

Account number(s) of ISA to be transferred

3 Transfers to be Made

Stocks and Shares ISA

Please tick as appropriate:

Please complete and return this Form to Wealthtime in order for us to process your ISA transfer. Wealthtime will send this Transfer Request Form to your existing ISA Manager and arrange for the ISA to be transferred in accordance with your instructions. You will need to complete a separate Transfer Application Form for each ISA Manager you are transferring an ISA from.

Cash ISA

All current year subscriptions

Please tick as appropriate:

All previous year's subscriptions

Specified amount (£)

OR

Where applicable, I hereby authorise you to transfer the proceeds of the above ISA as soon as reasonably practical, to Wealthtime. Where applicable I hereby authorise you to transfer the investments of the above ISA, as soon as reasonably practical, to Wealthtime Trustees Limited as nominee. I hereby authorise you to provide Wealthtime with all such relevant information relating to my ISA in respect of my existing ISA, including, but not limited to, transaction and dividend histories and details, of the current portfolio, and its value. I declare that I am 18 years of age or over and that I have not subscribed, and will not subscribe, more than the overall subscription limits in total to a cash ISA, a stocks and shares ISA and an Innovative Finance ISA in the same tax year. I authorise Wealthtime Limited as the ISA Manager to arrange for its nominee to hold my cash subscription, ISA investments, interest, dividends and any other rights or proceeds in respect of those investments and any other cash and to make on my behalf any claims to relief from tax in respect of ISA investment. I agree to the Wealthtime ISA Terms and Conditions. I declare that this Application Form has been completed to the best of my knowledge and belief.

Signature

Date

5 Transfer Authority and Declaration

Printed name

National Insurance Number

Date of birth

I apply to transfer my existing ISA to the Wealthtime Stocks and Shares ISA (HMRC ISA Manager Reference Z1711)

4 Amount to be Transferred

Yes No

Postcode

Existing ISA Manager address

Existing ISA Manager name

Innovative Finance ISA

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Page 23 of 24

1 Details of Individual (see explanatory notes below)

Current address

Postcode

Introduction by an FCA Regulated Firm

Previous address if individual has changed address in the last six months

Postcode

Signed *

Date

Name

Position

3 Details of Introducing Firm (or Sole Trader)

FCA reference number

Full name of Regulated Firm (or Sole Trader)

Explanatory Notes

If you require this document in an alternative format please contact us.

The Wealthtime Private Client Service provides a reporting and administration facility and is provided by Wealthtime Limited. Wealthtime Limited (registered number 6016480) is registered in England and has its registered office at The Oak House, Barford Lane, Downton, Salisbury, Wiltshire. SP5 3QA. Telephone: 01725 512925. Fax: 01725 513493. Web: www.wealthtime.co.uk. Wealthtime Limited is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 468461 and you can check this authorisation at www.fca.org.uk/register. Wealthtime Trustees Limited (registered number 6243467) is registered in England and has its registered office at The Oak House, Barford Lane, Downton, Salisbury, Wiltshire. SP5 3QA.

Mr Ms MissMrs

Other If 'Other' please state

Date of birth

Private Client Service

Confirmation of Verification of IdentityPrivate Individual

Title

This Form should be completed by an FCA Regulated Firm to verify the identification of a Private Individual. Once completed please submit and return to Wealthtime.

Forename(s)

Surname

Important

1. A separate confirmation must be completed for each customer (e.g. joint holders, trustee cases and joint life cases). Where a third party is involved, e.g. a payer of contributions who is different from the customer, the identity of that person must also be verified, and a confirmation provided. 2. This Form cannot be used to verify the identity of any customer that falls into one of the following categories: l Those who are exempt from verification as being an

existing client of the introducing firm prior to the introduction of the requirement for such verification

l Those whose identity has not been verified by virtue of the application of a permitted exemption under the Money Laundering Regulations or

l Those whose identity has been verified using the source of funds as evidence.

3. This confirmation must carry an original signature, or an electronic equivalent.

Please note if the client is non resident and/or a non-UK national please also provide a black and white copy of the client's current passport or EU ID Card (This is mandatory). Please note that whilst we are happy to accept a properly completed IVC, following the 2007 Money Laundering Regulations, some investment institutions particularly where the client has been included in the account opening process now want us to do our own money laundering of the client because of the provision that prohibits "passing on" verification carried out by another firm. We would therefore recommend that copies of all client documents seen by you should accompany your IVC so we may carry out our own money laundering should the need arise. We also reserve the right on a random basis to request sight of the original documents in order to comply with the regulators guidance on best practice for fighting Financial Crime.2 Confirmation

I/we confirm that: (a) The information in section 1 was obtained by me/us

in relation to the customer. (b) I/we will make the identification evidence obtained

available upon request from Wealthtime Limited. (c) The evidence I/we have obtained to verify the identity

of the customer: (tick only one)

l meets the standard evidence set out within the guidance for the UK Financial Sector issued by JMLSG or

l exceeds the standard evidence (written details of the further verification evidence taken are attached to this confirmation).

* Please ensure that you have ticked one of the boxes in 2(c) - Otherwise this Form will not be accepted.

Page 24 of 24

Private Client Service Checklist

Evidence of your Identity to set up your Private Client Service

Before you return your completed Application Form please make sure you have actioned the following: • Completed Section 1 (Personal Details, Politically Exposed

Persons, Tax Section and Declaration, Source of Funds an Source Account in full) (These are all mandatory)

• Completed Section 3 and the relevant Product Sections • Signed and dated the Online Registration Form

(Mandatory) • Signed and dated the Declaration (Mandatory) Please return the signed and completed Application Form to your Financial Adviser. Please also check you have included the following documents (if applicable) to support your Application:

Completion of the Confirmation of Verification of Identity* by your Financial Adviser.

For SIPP Clients only, proof of your Name and Age for Benefit Payment An original letter from your Financial Adviser confirming your name and age for Benefit Payment. An Evidence of Age Pro Forma can be found in the Literature Library at www.wealthtime.co.uk.

ISA Checklist

Completed Direct Debit Instruction* if regular payments are to be paid

Cheque made payable to 'Wealthtime Trustees Limited' for lump sum subscriptions

ISA Transfer Application Form(s) if transferring existing ISA(s) into the Wealthtime ISA (One for each transfer)

PIP Checklist

Completed Direct Debit Instruction* if regular payments are to be paid

Cheque made payable to 'Wealthtime Trustees Limited' for lump sum payments

PIP Transfer Request Form(s) if transferring an existing Portfolio into the Wealthtime PIP (One for each transfer)

Offshore Bond Checklist

Completed Offshore Bond Letter of Instruction (Please contact Wealthtime for the relevant Offshore Bond Provider's Letter of Instruction)

* These Forms can be found in the Literature Library at www.wealthtime.co.uk.

Completed PIP Letter of Instruction if external assets are to be held in the PIP (Please contact Wealthtime for a PIP Letter of Instruction, which is required for any external assets, including Stockbroker or Discretionary Investment Manager Accounts)

WL 0007 MAY18

The Wealthtime Private Client Service provides a reporting and administration facility and is provided by Wealthtime Limited. Wealthtime Limited (registered number 6016480) is registered in England and has its registered office at The Oak House, Barford Lane, Downton, Salisbury, Wiltshire. SP5 3QA. Telephone: 01725 512925. Fax: 01725 513493. Web: www.wealthtime.co.uk. Wealthtime Limited is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 468461 and you can check this authorisation at www.fca.org.uk/register. Wealthtime Trustees Limited (registered number 6243467) is registered in England and has its registered office at The Oak House, Barford Lane, Downton, Salisbury, Wiltshire. SP5 3QA.

If you require this document in an alternative format please contact us.

Benefit Payment Form* if you would like to take income from your uncrystallised fund

Completed Record of Payments Due Form* if your employer would like to pay into your Plan

Completed Direct Debit Instruction* if regular contributions are to be paid by you or your employer

Cheque made payable to 'Wealthtime Trustees Limited' for single contributions

SIPP ChecklistSIPP Transfer In Form or Existing Provider's Discharge Form

If your Employer Contribution is from an Unincorporated Business please supply a photocopy of: l Latest Annual Report & Accounts and l HM Revenue & Customs Tax Return or Invoice.

Evidence of an Unincorporated Business Identity if Contributing to your SIPP:

If the third party is an Unincorporated Business, please supply a photocopy of: l Latest Annual Report & Accounts and l HM Revenue & Customs Tax Return or Invoice.

Evidence of a Third Party's Identity (Except Employer) if Contributing to your SIPP