Terms and Conditions - Quilter plc

1 Terms and Conditionsfor the ISA and Junior ISAThis product is provided by Quilter Investment Platform cover title goes here2 These Terms and Conditions (including the schedules mentioned below) and the online Customer Centre Terms and Conditions . (if you have agreed to those Terms ) together form a legally binding agreement between you, the account holder or the registered contact for a Junior ISA ( JISA), and us, Quilter Investment Platform Limited ( Quilter ), for the ISA or JISA (the account). Your account may also include a former PEP, which automatically became an ISA on 6 April 2008. This stocks and shares ISA and JISA are subject to the read this agreement carefully. If there is anything in these Terms you do not understand, please ask for further information.

2 Our contact details are that appear in bold are explained in the Glossary on pages following schedules also form part of your agreement with us: the Charges, fees and rebates guide the Account eligibility and requirements following documents also provide important information about your account: the Key features document the Funds and ETI Lists the Key Information Documents for your chosen assets the Costs and Charges you would like this agreement or any future correspondence in Braille, Moon Braille, Audio, Translation, Open Dyslexic font or large print, please contact us at: Quilter Quilter HousePortland TerraceSouthamptonSO14 7AY 0808 171 Investment Platform Limited is authorised and regulated by:The Financial Conduct Authority 12 Endeavour Square Stratford London E20 1JN3 of 40 Terms and ConditionsContentsOpening an account 41.

3 Eligibility 42. Application 43. Changing your mind 5 Assets 54. Funds 55. Cash 56. Exchange Traded Instruments (ETIs) 67. Adviser and discretionary managed model portfolios 68. Investing in your account 69. Phased investment 8 Changing assets within your account 910. Switching and redirecting 9 Distributions of income 1011.

4 Reinvestment of income 1012. Income payment 10 Withdrawals 1113. Regular withdrawals 1114. Single withdrawals 1215. Payment of income and withdrawals 1216. Flexible ISA 12 Closing your account 1317. Closure by you 1318. Transferring your ISA to another ISA manager 1319. Closure by us 1320. ISA voids and repairs 1421. General closure provisions 14 Instructions 1522.

5 Sending instructions to us 1523. Accepting your instructions 1524. Processing instructions 15 Charges, fees and rebates 1725. Charges, fees and rebates 17 Ownership of your account 1726. Title and ownership 1727. Voting rights, reports and corporate actions 1728. Death 18 General 1929. Changes to funds and related trading restrictions 1930. Changes to this agreement 2131. Statements 2132. Valuing your account, your funds and ETIs 2133.

6 Protecting your investments 2134. Online customer centre 2235. Your financial adviser 2236. Your discretionary investment manager (DIM) 2237. Our liability 2338. Amounts you owe us 2439. Notices 2440. Miscellaneous 2441. Complaints 2542. Compensation 2543. Conditions and restrictions to your agreement if the Managed Portfolio Service is used 2644. Order Execution Policy 27 Junior ISA (JISA) Terms 2845.

7 Eligibility 2846. Opening a JISA 2847. Registered contact 2848. Withdrawals 2849. Closure 2850. Transfers 2851. Title and ownership 2952. Death of the child 2953. Additional permitted subscription (APS) 2954. Terminal illness of the child 2955. Child s 18th birthday 29 Glossary 30 Charges, fees and rebates guide 331.

8 General 332. Our charges 333. Adviser and discretionary investment manager (DIM) fees 354. Rebates 37 Account eligibility and requirements guide 38 Eligibility 38 Minimum and maximum limits 384 of 40 Terms and ConditionsOpening an account1. The requirements for opening an account, including the minimum investment requirements and eligibility criteria, are set out in the Account eligibility and requirements Application2.

9 1 To open or top up an account, our current application form must be completed and sent to us. This must be sent online by your financial adviser using our adviser extranet, unless we allow it in any other format such as a paper application. Your application must be accompanied by a valid payment of your investment in pounds sterling. You must state which tax year your investment is for. Valid payment methods are: a cheque, a bank transfer made to us, a Direct Debit instruction or (for online applications only) a debit card authorisation from a UK bank/building society. See Terms 22, 23 and 24 for more information about the instructions we accept. Please be aware that if you are sending payment for more than one application you need to send separate payments for each application, rather than sending us a single payment to be split.

10 If your application was made online, your financial adviser can provide you with details of the information sent to us on your behalf. You should check this information to make sure it is correct and you must tell your financial adviser or us if any corrections need to be made. Your financial adviser can also give you a form to sign to provide us with a specimen of your signature. Without it, there could be a delay in carrying out your instructions in the For applications made online, we are also required by HMRC to send you an additional document containing the personal information sent to us by your financial adviser and the regulatory declaration you made as part of the application. You will therefore receive a separate online declaration direct from us, once your financial adviser has submitted your application.