Please select:

Products and services regulated by the FSA:

A J Buckley Asset Management Limited

A J Buckley Financial Management Limited

Products and services not regulated by the FSA:

Mortgage services

A J BUCKLEY ASSET MANAGEMENT LIMITED

1.Authorisation
A J BUCKLEY ASSET MANAGEMENT LIMITED (the "Company") is regulated by the Financial Services Authority ("FSA") as an independent intermediary and investment adviser in respect of pensions, life assurance, unit trusts, listed UK and foreign securities (using a clearing firm), Personal Equity Plans and Enterprise Investment Schemes and is bound by the Rules of FSA.

2. Best Advice
The Company will at all times exercise reasonable care in selecting and then recommending the products and/or services considered to be best suited to meet the individual Client's requirements - based upon a careful assessment of the personal information provided and any special instructions given by the client. If you should have any complaint about the advice you receive or a product which you have bought, please write to the Compliance Officer at the address overleaf.

3. Conflict of Interest
The Company undertakes not to transact for the Client any business in which the Company or any director/Registered individual has a personal interest or in which we are aware another client has such an interest unless that interest has been previously disclosed in writing to the Client and the consent of the client has been obtained before proceeding.

4. Client Instructions
Written instructions will normally be required before the Company will act for the Client. At the Company's discretion, verbal instructions will also be acceptable but must be followed up in writing. Authority to act on behalf of the Client may be terminated at any time, without penalty, and without prejudice to the completion of transactions already initiated on behalf of the Client, by either party giving immediate notice in writing to that effect to the other.

When we have arranged any investments for which you have given us instructions, we will not give you any further advice unless you request it, but will be glad to advise you at any time you ask us to do so.

5. Charges
The Company does not normally charge a fee for giving advice and/or providing its services. However, the Company reserves the right to charge a fee under certain circumstances but in such cases an estimate of the likely costs involved will be given before any advice and/or service is provided on behalf of the client.

6. Commission
We derive income from commission paid to us by life assurance companies and unit trust managers with which investments are made. We shall tell you, either in the Key Features document or directly, the amount of commission payable on any such investment. Should the Company receive commission or any other form of benefit from the issuer of a security or another intermediary, the Company will inform the Client of the fact but we will not tell you its amount unless you ask us to do so.

7. Client Money and Interest
The Company is authorised to handle client money and does so in a separate client account which is identified as a trust account. All client money is segregated from the funds belonging to the Company. The money is held in an account with either Midland or the Royal Bank of Scotland in your name at their respective branches in Jersey, Channel Islands.

We will pay you interest on the balance standing to your credit on our client account in accordance with The Financial Services (Client Money) Regulations which require us to calculate interest at a reasonable rate and pay it to you if it exceeds a specified minimum. Subject to any relevant tax legislation, interest will be paid after deduction of tax.

8. Documents of Title, etc.
All investments will be registered in the name of the Client unless otherwise agreed in writing. Contract Notes, certificates, policies and other documents of title will normally be forwarded to the Client's main residence within 14 days of receipt.

The Company is not authorised to retain any documents of title on the Client's behalf. However, upon receipt of specific instructions from the Client, the Company will forward the appropriate documents to the Client's Bank or other nominated third party for safekeeping.

9. Records and Rights of Inspection
You or your appointed agent may inspect contract notes, vouchers and entries in our books (whether kept manually or electronically) which relate solely to your investments. As we treat all our clients' records as confidential, we reserve the right to give you copies of your records if to do otherwise would be to allow access to files containing records about other clients. We undertake to maintain records of all our business transactions for at least seven years.

10. Professional Indemnity Insurance
The Company maintains Professional Indemnity insurance cover of which further details can be given on request.

11. Compensation Scheme
The Company is a participant in the Investors Compensation Scheme which covers all investment business of the company with the exception of overseas investment business.

A J BUCKLEY FINANCIAL MANAGEMENT LIMITED

1. Authorisation
A J BUCKLEY FINANCIAL MANAGEMENT LIMITED (the "Company") is regulated by the Financial Services Authority ("FSA") as an independent intermediary and investment adviser in respect of pensions, life assurance, unit trusts, listed UK and foreign securities (using a clearing firm) Personal Equity Plans and Business Expansion Schemes and is bound by the Rules of FSA.

2. Best Advice
The Company will at all times exercise reasonable care in selecting and then recommending the products and/or services considered to be best suited to meet the individual Client's requirements - based upon a careful assessment of the personal information provided and any special instructions given by the client. If you should have any complaint about the advice you receive or a product which you have bought, please write to the Compliance Officer at the address overleaf.

3. Conflict of Interest
The Company undertakes not to transact for the Client any business in which the Company or any director/registered individual has a personal interest or in which we are aware another client has such an interest unless that interest has been previously disclosed in writing to the Client and the consent of the client has been obtained before proceeding.

4. Client Instructions
Written instructions will normally be required before the Company will act for the Client but, at the Company's discretion, verbal instructions will also be acceptable but must be followed up in writing. Authority to act on behalf of the Client may be terminated at any time, without penalty, and without prejudice to the completion of transactions already initiated on behalf of the Client, by either party giving immediate notice in writing to that effect to the other.

When we have arranged any investments for which you have given us instructions, we will not give you any further advice unless you request it, but will be glad to advise you at any time you ask us to do so.

5. Charges
The Company does not normally charge a fee for giving advice and/or providing its services. However, the Company reserves the right to charge a fee under certain circumstances but in such cases an estimate of the likely costs involved will be given, before any advice and/or service is provided on behalf of the client.

6. Commission
We derive income from commission paid to us by Life assurance companies and unit trust managers with which investments are made. We shall tell you, either in the Key Features document or directly, the amount of commission payable on any such investment. Should the Company receive commission or any other form of benefit from the issuer of a security or another intermediary, the Company will inform the Client of the fact but we will not tell you it amount unless you ask us to do so.

7. The Company does not handle Client Money
The Company has chosen not to seek authorisation to handle Client Money. We never accept a cheque made out to us or handle cash. Consequently, cheques should be made payable in favour of the individual investment, pension or insurance company concerned but not to the Company (unless it is a cheque in settlement of charges or disbursements for which we have sent you a bill).

8. Documents of Title, etc.
All investments will be registered in the name of the Client unless otherwise agreed in writing. Contract notes, certificates, policies and other documents of title will normally be forwarded to the Client's main residence within 14 days of receipt.

The Company is not authorised to retain any documents of title on the Client's behalf. However, upon receipt of specific instructions from the Client, the Company will forward the appropriate documents to the Client's Bank or other nominated third party - for safekeeping.

9. Records and Rights of Inspection
You or your appointed agent may inspect contract notes, vouchers and entries in our books (whether kept manually or electronically) which relate solely to your investments. As we treat all our clients' records as confidential, we reserve the right to give you copies of your records if to do otherwise would be to allow access to files containing records about other clients. We undertake to maintain records of all our business transactions for at least seven years.

10. Compensation Scheme
The Company is a participant in the Investors Compensation Scheme which covers all investment business of the company with the exception of overseas investment business.

A J BUCKLEY FINANCIAL MANAGEMENT LIMITED
MORTGAGE SERVICES

The Mortgage Code came into effect for intermediaries on 1st May 1998 and is a voluntary Code to which our company subscribes. The Code sets minimum standards of good lending and advisory practice which are to be followed by all lenders and mortgage intermediaries.

The firm is registered with the Mortgage Code Register of Intermediaries and our registration number is 4769462

We constantly review the mortgage market in order to select the appropriate lenders to meet your individual circumstances. We offer a full advice and recommendation service in all cases in order that we can make an informed decision with you about the choice of your new mortgage.

We will also provide you with information relevant to your mortgage needs, covering such items as an explanation of the main repayment methods, the implications of taking out a mortgage.

During our initial meeting, we will be completing a detailed mortgage questionnaire to enable appropriate advice to be given on the mortgage.

Once we have made our recommendations to you, we will confirm our advice in writing. This should be kept by you as it will be a record of the transaction, and will be confirmed by your lender's formal offer of a loan.

The firm may receive fees from lenders with whom we place mortgages. Where this occurs we will advise you of the amount.

We will treat all your personal information as private and confidential (even when you are no longer a client) except where disclosure is made at your request or with your consent in relation to arranging your mortgage.

The Mortgage Code Register of Intermediaries (MCRI) regulates the Mortgage Code to which we subscribe. As part of MCRI's duties we may be asked to provide them with access to our customer records in order that they may carry out an audit of our activities. The MCRI's ability to inspect customer records promotes best practice in our industry and ensures that you continue to receive the best possible service from us. If we disclose your personal information to the MCRI then it has agreed with us that it will only use it for the purpose of compliance with the Mortgage Code and not for any other reason. If you would not like us to disclose any of your personal information to MCRI then please write to us informing us of this within 21 days of today's date.

Our aim is to provide you with a first class professional and confidential service - should a complaint arise, in the first instance you should contact our Mortgage Code Compliance Officer at the address below. Thereafter should the complaint not be resolved to your satisfaction, we will assist you in resolving it by referring it to the Mortgage Code Arbitration Scheme whose address can be found in the Mortgage Code.