BfuBfVZVeCJYuDeu;EqKBwYZYKDfwqDwX

B500449415705
Credit Agreement regulated by the Consumer Credit Act 1974
This Running Account Credit Agreement is between:
This Bank (Close Brothers Limited trading as Close Brothers Premium Finance, Wimbledon Bridge House, 1 Hartfield Road, London, SW19 3RU); and
The Customer (If a trading name is used, insert name and trading title, e.g. Sam Jones t/a Jones Export)

Name Mr Barry Spencer

Address 1 Hazelwood Close, Easebourne, Midhurst

Post Code GU29 9BF Email Mobile

Home Tel Date of Birth (if applicable) DD/MM/YY 01/01/01 Company Registration No. (If applicable)

Details of the Customer's Insurance Broker (the Broker)

Broker Name Bollington Insurance Brokers Ltd (Quoteline) Broker Code 5005050422

Broker Address Clipper House, Chester Road, Sale, M32 8AL

This Agreement and the Facility
References in this Agreement to “We”, “Our” and “Us” are to the Bank. References to “You” and “Your” are to the Customer. If one of the following events occurs, We may make the following charges (which We will debit from Your account
automatically):
The main terms of this Agreement concerning the payments that You must make and Your rights under the Agreement are set
out on this page above the signature box. More detailed Conditions, which also form part of this Agreement, are set out over (a) £30 if We do not receive any minimum monthly payment on time;
the page. (b) £15 for each drawing if We end this Agreement for a reason set out in Condition 5;
This Agreement sets out the terms of a credit facility under which You, or the Broker on Your behalf, may make one or more (c) a fee of at least £25 if You ask to move back the date for any minimum monthly payment by more than 7 days;
drawings to finance the purchase of insurance policies and any charges associated with those policies. You authorise and (d) all reasonable management and administrative costs We incur in responding to and dealing with Your enquiries relating to
instruct Us to forward the amount of each drawing to the Broker or the insurer under the policy being financed. We will open an the administration of Your account, subject to any restrictions under (i) the Consumer Credit Act 1974(“CCA”) and all
account in Your name to record the unpaid balance of all drawings, all interest and any charges relating to the facility (the regulations made under it; (ii) the rules of the Financial Conduct Authority and any other rules or requirements of a relevant
"Account"). regulatory authority; and (iii) all other laws, rules and regulations as in force and applicable to Our provision of credit under
The facility has no fixed duration. At the date of this Agreement the credit limit is £550.00 . We can vary the credit limit this Agreement (“Applicable Law”); and
from time to time in the following circumstances: (i) to take account of an adjustment to an existing insurance policy financed (e) if You fail to make a minimum monthly payment or to pay any other amount on time, interest on the unpaid amount until that
by this Agreement; or (ii) to finance a new insurance policy taken out by You; or (iii) where we reasonably consider that such amount is paid, calculated daily at the annual rate of interest applicable to the relevant drawing (determined as described
variation is necessary to ensure that the repayments under the Agreement remain affordable and suitable for Your financial under “Interest and charges”).
circumstances. We will give you notice when we vary the credit limit in accordance with Condition 11.
Right to withdraw
Payments and repayments You have the right under the CCA to withdraw from this Agreement without giving any reason before the end of a period of 14
You must make a minimum monthly payment to Us each month in respect of each drawing while You owe money under this days beginning on the day after (a) where We send You an agreement signed by Us, the day on which You enter into this
Agreement. We will determine the minimum monthly payment, which will be enough to repay each drawing (together with any Agreement or (b) where You sign an agreement that has not been signed by Us, the day on which You receive a copy of this
associated interest and charges) before the expiry of the insurance policy or policies it finances. We will write to tell You what Agreement signed by Us. If You wish to withdraw You must give Us notice by one of the following methods: (i) by telephone
the minimum monthly payment is and the dates when it is due. We may notify You to revise the minimum monthly payment on 0333 321 8566; (ii) by email to customerservicespf@[Link]; or (iii) by post or delivery of the notice to the
and the dates when it is due each time there is a new drawing, a change in the insurance premium or the charges being above address. If You do give Us notice of withdrawal, You must repay to Us the amount of any drawing that has been made
financed, or You make an overpayment or a partial early repayment. without delay and in any event by no later than 30 days after the day on which You give US notice of withdrawal. You will not
be required to pay any interest or charges. If You withdraw from this Agreement leaving sums outstanding We may notify credit
Total amount payable
reference agencies.
The total amount You must pay in respect of Your first drawing of £319.32 under this Agreement is £381.49 ,
assuming You make all Your minimum monthly payments on time. This amount includes any credit arrangement fee You may Missing payments
have been charged by the Broker. The total amount payable under the Agreement is £692.78 . This is how much If You miss a payment You will incur extra charges, Your credit record may be affected and You may find it harder to borrow
again from Us or another lender. We may take steps to have Your insurance policy or policies terminated. We may also take
You would have to pay if You borrowed an amount equal to the credit limit set out above and is calculated based on the APR
legal action against You.
assumptions set out below. If you borrow an amount less than the credit limit, the amount you pay in respect of that drawing
will be lower. Use of Your information
Your personal data will be collected and processed by Close Brothers Limited trading as Close Brothers Premium Finance .
Interest and charges
You can find further information about how and why we use Your personal data at [Link]/privacy .
We apply a flat rate interest charge on the amount of each drawing. The flat rate interest charge on the first drawing under this
Agreement will be 19.47% . The annual rate of interest is equal to the flat rate interest charge adjusted by the portion of a year Purposes for which we use your personal data:
for which the drawing is outstanding. The annual rate of interest for the first drawing under this Agreement is 25.96% , (a) to verify Your identity, assess Your suitability for the products and services that You have requested, and decide whether to
assuming that the drawing is repaid in 10 instalments starting on the first date when the facility is available. We may notify You enter into an agreement with You, such as: credit reference and scoring checks, checks for criminal proceedings /
to vary the flat rate interest charge and the annual rate of interest in accordance with Condition 11. convictions, financial assessments, anti-money laundering and fraud prevention checks which may include sharing personal
data with fraud prevention agencies.
The APR under this Agreement is 55.41% . To assist in the comparison of credit, the APR is based on standard assumptions, (b) to manage, administer and take decisions regarding your Agreement, such as: providing products and services to You,
which are that: (i) You make a single drawing, which is assumed to be equal to the credit limit set out above on the first date exercising Our rights, and performing Our obligations, making payments and recovering monies.
when the facility is available and any facility fee and any credit arrangement fee is calculated on the basis of a drawing of that
amount; (ii) the drawing, interest charge and any facility fee are repaid in equal monthly payments over a period of one year (c) managing Our legitimate business interests, such as: improving customer service, market research, quality assurance,
commencing one month after the date of the drawing; and (iii) interest is charged at the annual rate of interest quoted above. training staff, marketing (where You have permitted Us to), system development and statistical analysis on Your personal
data.
The dates and amounts of payments assumed to calculate the annual rate of interest, the APR and the total amount payable (d) to meet Our legal and regulatory obligations.
may not be the same as the dates and amounts of payments that apply to actual drawings under this Agreement.
The facility fee for the first drawing made under this Agreement will be £0 . The Broker will have charged you a
credit arrangement fee of £0.00 for the arrangement of this drawing. You may be charged a facility fee and / or a credit
arrangement fee each time you make a new drawing or increase the amount of a drawing to finance an increase in insurance
premium.

Signature of Customer Signature of Bank

Print Name Date Date 07/07/2020

Customer declaration and data protection Customer acknowledgements
By entering into this Agreement, You confirm that: (a) These are Our standard terms and conditions on which We intend to rely. You should read this Agreement carefully before
(a) all information given by You in connection with this Agreement is true and correct; signing it, together with any other documentation We have sent You. If You do not understand anything please ask for
(b) You are not in default under any agreement with Us or a Group Company; further information or seek independent advice.
(c) You are not aware of any circumstances that would affect Our decision to enter into this Agreement with You including Your (b) If We do not receive a signed copy of this Agreement back from You (or satisfactory confirmation that You have signed it),
iinability to make Your monthly minimum payment on time); We will have no obligation to provide You with credit. If We withdraw Our offer to provide credit, any amounts paid by Us to
(d) You have received the pre-contract information prior to signing this agreement. the Broker will be held by the Broker on Our behalf and You authorise Us to repay any interest and charges that We have
If You are not a company or a partnership You also confirm that: collected from You to the Broker on Your behalf. Any insurance policy that was to be financed under this Agreement may be
(e) You have not been adjudged bankrupt and no proceedings for bankruptcy are pending or have been issued against You . at risk of being cancelled.
Marketing (c) Even if You do not sign and return a copy of this Agreement to Us or confirm that You have done so, We will regard You as
I'd like to be contacted with the latest news and offers from Close Brothers Limited. having accepted Our offer to provide credit to You on the terms set out in this Agreement if You permit the first minimum
monthly payment under the facility to be collected from Your bank account under the Direct Debit Instruction that You have
provided to Us.

Please remember to read, sign, print your

name in full and date the agreement before
returning in the pre-paid envelope
FORM 9101

R_PL_CS_STD_CA_A_B_0219
 Conditions
1. Request for drawings: You may request credit under this Agreement by sending Your request to the Broker. We may 10. The Broker:
refuse any such request by notice to you giving Our reasons for refusal (or without notice in circumstances where the (a) You authorise and instruct the Broker on Your behalf to:
CCA does not require a notice to be given) if (a) any event or circumstance specified in Condition 5 (each an “Event (i) submit any application for a drawing;
of Default”) has occurred or (b) for any other objectively justified reason including, without limitation, if we reasonably
(ii) pay any drawing to the insurer to cover the cost of a premium payable under a Relevant Policy; and
consider that (i) the use of the credit would be unauthorised or fraudulent or (ii) there is a significantly increased risk
of You being unable to fulfil Your obligation to repay the credit. If You request credit under this Agreement that would (iii) arrange for any refund of premiums following cancellation of a Relevant Policy and any other amounts payable to You
exceed the credit limit We will consider such request but We are under no obligation to provide credit that exceeds in connection with a Relevant Policy to be paid to Us (and We will credit those amounts to Your Account).
the credit limit. The amount of any request for credit in connection with the policy being financed (such policy (b) You authorise Us to pay to the Broker on Your behalf any amount (including repayment of any interest and charges
including any renewal, substitution or replacement of the Policy, being a “Relevant Policy”) will be debited to Your on withdrawal) that We have to pay to You under this Agreement.
Account and We will pay it to the Broker or the Insurer. (c) The Broker has at Our request made arrangements for You to enter into this Agreement and You acknowledge and
2. Minimum monthly payments: You must pay to Us by Direct Debit a minimum monthly payment as referred to on the agree that We may pay commission to the Broker. Nevertheless, the Broker has not acted and does not act as Our
front page of this Agreement. We do not have to send You a separate demand. You must maintain a Direct Debit agent in relation to this Agreement or the facility.
Instruction in respect of the minimum monthly payment due for the duration of this Agreement. 11. Variation:
3. Security: As security for the payment of all present and future amounts, obligations and liabilities that You owe to Us (a) We may vary this Agreement with immediate effect (and will notify You in writing where We have done so) to:
under or in connection with this Agreement (“Unpaid Amounts”), You: (i) reflect changes in Applicable Law or new industry guidance or codes of practice; or
(a) charge to Us by way of first fixed charge; and (ii) vary the flat rate interest charge and the annual rate of interest if You request a further drawing or an increase of an
(b) assign and agree to assign to Us by security, absolutely and unconditionally, all Your right, title and interest at any existing drawing or to reflect changes in the cost of providing Our services to You.
time in and to the Relevant Policies, including (without limitation) all rights to and interest in (i) all sums payable under (b) We may vary the credit limit for any of the reasons set out on the front page of this Agreement by giving You written
Relevant Policies (including refunds and claims other than third party claims), and (ii) the right to cancel and/or notice.
enforce the Relevant Policies. (c) If We give You at least seven days’ written notice We may vary this Agreement to:
In addition, for so long as there are Unpaid Amounts outstanding, You agree that You will: (i) vary the facility fee if You request a further drawing or an increase of an existing drawing;
(c) not create or allow to exist any security interest on, or in relation to, any Relevant Policy other than those rights (ii) vary any charges to reflect changes in the cost of providing Our services to You;
specifically given in Our favour;
(iii) correct an obvious error or make minor amendments to this Agreement that do not materially prejudice Your rights
(d) not assign or transfer any Relevant Policy to any other person; under it; or
(e) not cancel, vary, renew or replace any Relevant Policy without Our consent; (iv) reflect an improvement to or extension of the scope of the services that We provide to You or any other change to the
(f) not claim under any Relevant Policy without notifying Us in advance; services that is not detrimental to You.
(g) not appoint a broker other than the Broker referred to on the front page of this Agreement without Our consent; (d) Where We agree to finance an increase in the insurance premium or associated charges, this may be treated as a
(h) not do or allow anything to be done which might prejudice Our security over the Relevant Policies or new drawing or an increase in an existing drawing.
reduce the amount payable under any of them; 12. Exchange of information with Credit Reference Agencies: To assess Your application, We may carry out a search
(i) ensure that any refund of premiums due in connection with a Relevant Policy is paid to Us (and We will credit the with a credit reference agency who will keep a record of Our enquiry. We may also search records at credit reference
refund to Your Account); and agencies which may be linked to persons with whom You are linked financially and You may be assessed with
(j) take whatever action We reasonably request to (i) perfect or protect the security created by this Agreement, and (ii) reference to "associated records".We may also add to Your or Your business's record with the credit reference
enable the cancellation or enforcement of any Relevant Policies. agencies details of Your Agreement with Us. They may keep records of enquiries and add details of Our search and
4. Enforcement of security: If, following the occurrence of an Event of Default or a Termination Event, We decide to Your application to Your record. We may use credit scoring techniques and automated decision making systems
enforce the security, We (or the Broker acting on Our behalf) may take such steps in relation to the Relevant Policies which may take into account any previous applications for finance, defaults or existing debt. The results of this
as are necessary to protect Us. These steps may include (but are not limited to): (i) notifying Your insurer of Our decision may decide whether We provide You with Our services. If You disagree with the results of an automated
interest in the Relevant Policies; (ii) cancelling any Relevant Policy and applying any proceeds or refunds paid under decision, You can request a review of Your application, We may also make periodic searches of credit reference
it in or towards payment of the Unpaid Amounts; (iii) taking steps to enforce any Relevant Policy; and (iv) taking agencies to manage Your account with Us.
possession of any Relevant Policy and retaining it. This will mean that You do not receive any amounts paid in If You would like details of the credit reference agencies from whom We obtain, and to whom We pass, information
connection with the Relevant Policies until We have been repaid in full. about You, please write to Us at the above address, email Us at customerservicespf@[Link] or telephone
5. Events of default: The Events of Default are: Us on 0333 321 8566. More information in respect of the credit reference agencies with whom We share Your
personal data is available at [Link]/crain.
(a) You fail to pay on the due date any minimum monthly payment due in respect of Your Account;
13. Information: You must promptly:
(b) You use all or any part of any drawing for any purpose other than to pay the premium on a Relevant Policy or any
associated charges; (a) provide Us with any information that We may reasonably request from You that is relevant to Our assessment of Your
creditworthiness; and
(c) any of the following apply to You:
(b) inform Us without delay of any changes to Your contact details provided.
(i) You are insolvent or unable to pay Your debts under any applicable law or You suspend payments on any of Your
debts; 14. Transfer of rights and obligations: We may transfer all or any of Our rights and obligations under this Agreement to
any person, provided that We reasonably believe such transfer will not prejudice Your rights. You may not assign or
(ii) a statutory demand or bankruptcy petition or order is served on You;
transfer Your rights or obligations under this Agreement without Our consent.
(iii) an arrangement is approved in respect of You for a compromise of Your debts or You sign a trust deed for the benefit
15. No waiver: Any failure by Us (whether continued or not) to insist upon strict compliance with any of the terms of this
of creditors;
Agreement will not affect Our ability to exercise Our rights in the future.
(iv) You are dissolved, enter administration, moratorium or receivership or are wound-up; or
16. Governing law: This Agreement and any non contractual obligations arising out of or in connection with it are
(v) any procedure or step is taken in any jurisdiction in respect of You which has a similar effect to those in (i) governed by English law and both You and We submit to the non-exclusive jurisdiction of the English courts in
to (iv) above; relation to any dispute in connection with this Agreement.
(d) enforcement or execution or distress is levied or attempted against You or any of Your assets or income including
(without limitation) the appointment of a receiver or any procedure or step is taken in any jurisdiction which has a Important information
similar effect; 17. Right to repay early: You have the right under the CCA to repay amounts that You have borrowed under this
(e) You fail to comply in any material respect with any of the terms of this Agreement; Agreement early in full or in part. If You wish to repay any amount early You must give Us notice by one of
(f) You are in material breach of any of the terms of any other agreement that You have entered into with Us or any other the following methods: (i) by telephone on 0333 321 8566; (ii) by email to customerservicespf@[Link] or
Group Company; (iii) by post or delivery of the notice to the above address. If You do repay an amount early, We may recalculate the
(g) We consider, in Our reasonable discretion, that the security that You have granted to Us under this Agreement is in minimum monthly payment to ensure that drawings are repaid over the time period originally agreed with You.
jeopardy; 18. Right of action: You may be entitled to take action against the insurer under a Relevant Policy, the Broker or Us if
(h) You have given false information or have otherwise committed or assisted another person to commit fraud in You have received unsatisfactory services paid for under this Agreement costing more than £100 and not more
connection with this Agreement; or than £30,000. If the value of the services is more than £30,000 and less than £60,260 You are entitled to take action
(i) We reasonably consider that Our reputation would be at risk if We were to continue with this Agreement. against Us if You are unable to obtain redress from the insurer or the Broker.
6. Remedies on default: If any Event of Default occurs and is continuing, and We give You at least fourteen days’ notice in 19. Consumer Credit Act: If You are a company or a partnership consisting of four or more persons, You will not benefit
from protections under the CCA or the Consumer Credit Sourcebook of the Financial Conduct Authority.
writing, then We may:
20. Complaints and requesting information: If You would like to make a complaint about Our services, in the first
(a) declare that any Unpaid Amounts (including unpaid interest that has not yet been debited to Your account) have
instance, and to allow Us to resolve any problems, please telephone Us on 0333 321 8566, email Us at
become immediately due and payable to Us; and
complaintspf@[Link] or write to Us at the address at the top of the front page. Our complaints handling
(b) enforce the security that You have granted to Us. procedures can be obtained using any of the above details. If You feel the complaint has not been satisfactorily
7. Termination Event: A Termination Event will occur if after carrying out a further assessment following the making of a resolved then, if You are not a business debtor, You have a right to complain to the Financial Ombudsman Service. If
drawing We reasonably consider that the commitments under this agreement would adversely impact your financial You are a business debtor, You may have a right to complain to the Financial Ombudsman Service. The Financial
situation or You would be unable to make the minimum monthly payments due under this Agreement. If a Termination Ombudsman can be contacted on 0800 023 4567, or by writing to The Financial Ombudsman Service, Exchange
Event occurs, We may take the same steps as we would be entitled to take following an Event of Default, except that Tower, London E14 9SR or by email to [Link]@[Link] or via their website at
no interest or Facility Fee will be due from You for the relevant drawing. [Link]. You may ask for a copy of the information We hold about You by writing to
8. Termination of the Agreement: Information Requests at the address at the top of the front page.
(a) We may end this Agreement at any time by giving You at least two months’ written notice. 21. Regulator: Financial Conduct Authority, 12 Endeavour Square, London E20 1JN
(b) You (or the Broker acting on Your behalf) may end this Agreement at any time by giving written notice to Us.
(c) If We or You terminate this Agreement You must pay Us on or before the termination date any Unpaid Amounts
(including accrued interest which has not yet been debited to Your Account).
9. Set-off rights: We may set-off any amount due from You under this Agreement or under any other agreement with Us
or any other Group Company against any obligation that We owe to You. Any exercise of Our right to set-off shall not
limit or affect any other rights or remedies available to Us under this Agreement.

To receive this Agreement in an alternative format, please contact Us on 0333 321 8566 or email Us at customerservicespf@[Link]

Please remember to read, sign, print your

name in full and date the agreement before
returning in the pre-paid envelope

GDC3739-11-12-18 R_PL_CS_STD_CA_A_B_0219
 BfuBfVZVeCJYuDeu;EqKBwYZYKDfwqDwX
B500449415705
Credit Agreement regulated by the Consumer Credit Act 1974
This Running Account Credit Agreement is between:
This Bank (Close Brothers Limited trading as Close Brothers Premium Finance, Wimbledon Bridge House, 1 Hartfield Road, London, SW19 3RU); and
The Customer (If a trading name is used, insert name and trading title, e.g. Sam Jones t/a Jones Export)

Name Mr Barry Spencer

Address 1 Hazelwood Close, Easebourne, Midhurst

Post Code GU29 9BF Email Mobile

Home Tel Date of Birth (if applicable) DD/MM/YY 01/01/01 Company Registration No. (If applicable)

Details of the Customer's Insurance Broker (the Broker)

Broker Name Bollington Insurance Brokers Ltd (Quoteline) Broker Code 5005050422

Broker Address Clipper House, Chester Road, Sale, M32 8AL

This Agreement and the Facility
References in this Agreement to “We”, “Our” and “Us” are to the Bank. References to “You” and “Your” are to the Customer. If one of the following events occurs, We may make the following charges (which We will debit from Your account
automatically):
The main terms of this Agreement concerning the payments that You must make and Your rights under the Agreement are set
out on this page above the signature box. More detailed Conditions, which also form part of this Agreement, are set out over (a) £30 if We do not receive any minimum monthly payment on time;
the page. (b) £15 for each drawing if We end this Agreement for a reason set out in Condition 5;
This Agreement sets out the terms of a credit facility under which You, or the Broker on Your behalf, may make one or more (c) a fee of at least £25 if You ask to move back the date for any minimum monthly payment by more than 7 days;
drawings to finance the purchase of insurance policies and any charges associated with those policies. You authorise and (d) all reasonable management and administrative costs We incur in responding to and dealing with Your enquiries relating to
instruct Us to forward the amount of each drawing to the Broker or the insurer under the policy being financed. We will open an the administration of Your account, subject to any restrictions under (i) the Consumer Credit Act 1974(“CCA”) and all
account in Your name to record the unpaid balance of all drawings, all interest and any charges relating to the facility (the regulations made under it; (ii) the rules of the Financial Conduct Authority and any other rules or requirements of a relevant
"Account"). regulatory authority; and (iii) all other laws, rules and regulations as in force and applicable to Our provision of credit under
The facility has no fixed duration. At the date of this Agreement the credit limit is £550.00 . We can vary the credit limit this Agreement (“Applicable Law”); and
from time to time in the following circumstances: (i) to take account of an adjustment to an existing insurance policy financed (e) if You fail to make a minimum monthly payment or to pay any other amount on time, interest on the unpaid amount until that
by this Agreement; or (ii) to finance a new insurance policy taken out by You; or (iii) where we reasonably consider that such amount is paid, calculated daily at the annual rate of interest applicable to the relevant drawing (determined as described
variation is necessary to ensure that the repayments under the Agreement remain affordable and suitable for Your financial under “Interest and charges”).
circumstances. We will give you notice when we vary the credit limit in accordance with Condition 11.
Right to withdraw
Payments and repayments You have the right under the CCA to withdraw from this Agreement without giving any reason before the end of a period of 14
You must make a minimum monthly payment to Us each month in respect of each drawing while You owe money under this days beginning on the day after (a) where We send You an agreement signed by Us, the day on which You enter into this
Agreement. We will determine the minimum monthly payment, which will be enough to repay each drawing (together with any Agreement or (b) where You sign an agreement that has not been signed by Us, the day on which You receive a copy of this
associated interest and charges) before the expiry of the insurance policy or policies it finances. We will write to tell You what Agreement signed by Us. If You wish to withdraw You must give Us notice by one of the following methods: (i) by telephone
the minimum monthly payment is and the dates when it is due. We may notify You to revise the minimum monthly payment on 0333 321 8566; (ii) by email to customerservicespf@[Link]; or (iii) by post or delivery of the notice to the
and the dates when it is due each time there is a new drawing, a change in the insurance premium or the charges being above address. If You do give Us notice of withdrawal, You must repay to Us the amount of any drawing that has been made
financed, or You make an overpayment or a partial early repayment. without delay and in any event by no later than 30 days after the day on which You give US notice of withdrawal. You will not
be required to pay any interest or charges. If You withdraw from this Agreement leaving sums outstanding We may notify credit
Total amount payable
reference agencies.
The total amount You must pay in respect of Your first drawing of £319.32 under this Agreement is £381.49 ,
assuming You make all Your minimum monthly payments on time. This amount includes any credit arrangement fee You may Missing payments
have been charged by the Broker. The total amount payable under the Agreement is £692.78 . This is how much If You miss a payment You will incur extra charges, Your credit record may be affected and You may find it harder to borrow
again from Us or another lender. We may take steps to have Your insurance policy or policies terminated. We may also take
You would have to pay if You borrowed an amount equal to the credit limit set out above and is calculated based on the APR
legal action against You.
assumptions set out below. If you borrow an amount less than the credit limit, the amount you pay in respect of that drawing
will be lower. Use of Your information
Your personal data will be collected and processed by Close Brothers Limited trading as Close Brothers Premium Finance .
Interest and charges
You can find further information about how and why we use Your personal data at [Link]/privacy .
We apply a flat rate interest charge on the amount of each drawing. The flat rate interest charge on the first drawing under this
Agreement will be 19.47% . The annual rate of interest is equal to the flat rate interest charge adjusted by the portion of a year Purposes for which we use your personal data:
for which the drawing is outstanding. The annual rate of interest for the first drawing under this Agreement is 25.96% , (a) to verify Your identity, assess Your suitability for the products and services that You have requested, and decide whether to
assuming that the drawing is repaid in 10 instalments starting on the first date when the facility is available. We may notify You enter into an agreement with You, such as: credit reference and scoring checks, checks for criminal proceedings /
to vary the flat rate interest charge and the annual rate of interest in accordance with Condition 11. convictions, financial assessments, anti-money laundering and fraud prevention checks which may include sharing personal
data with fraud prevention agencies.
The APR under this Agreement is 55.41% . To assist in the comparison of credit, the APR is based on standard assumptions, (b) to manage, administer and take decisions regarding your Agreement, such as: providing products and services to You,
which are that: (i) You make a single drawing, which is assumed to be equal to the credit limit set out above on the first date exercising Our rights, and performing Our obligations, making payments and recovering monies.
when the facility is available and any facility fee and any credit arrangement fee is calculated on the basis of a drawing of that
amount; (ii) the drawing, interest charge and any facility fee are repaid in equal monthly payments over a period of one year (c) managing Our legitimate business interests, such as: improving customer service, market research, quality assurance,
commencing one month after the date of the drawing; and (iii) interest is charged at the annual rate of interest quoted above. training staff, marketing (where You have permitted Us to), system development and statistical analysis on Your personal
data.
The dates and amounts of payments assumed to calculate the annual rate of interest, the APR and the total amount payable (d) to meet Our legal and regulatory obligations.
may not be the same as the dates and amounts of payments that apply to actual drawings under this Agreement.
The facility fee for the first drawing made under this Agreement will be £0 . The Broker will have charged you a
credit arrangement fee of £0.00 for the arrangement of this drawing. You may be charged a facility fee and / or a credit
arrangement fee each time you make a new drawing or increase the amount of a drawing to finance an increase in insurance
premium.

Signature of Customer Signature of Bank

Print Name Date Date 07/07/2020

Customer declaration and data protection Customer acknowledgements
By entering into this Agreement, You confirm that: (a) These are Our standard terms and conditions on which We intend to rely. You should read this Agreement carefully before
(a) all information given by You in connection with this Agreement is true and correct; signing it, together with any other documentation We have sent You. If You do not understand anything please ask for
(b) You are not in default under any agreement with Us or a Group Company; further information or seek independent advice.
(c) You are not aware of any circumstances that would affect Our decision to enter into this Agreement with You including Your (b) If We do not receive a signed copy of this Agreement back from You (or satisfactory confirmation that You have signed it),
iinability to make Your monthly minimum payment on time); We will have no obligation to provide You with credit. If We withdraw Our offer to provide credit, any amounts paid by Us to
(d) You have received the pre-contract information prior to signing this agreement. the Broker will be held by the Broker on Our behalf and You authorise Us to repay any interest and charges that We have
If You are not a company or a partnership You also confirm that: collected from You to the Broker on Your behalf. Any insurance policy that was to be financed under this Agreement may be
(e) You have not been adjudged bankrupt and no proceedings for bankruptcy are pending or have been issued against You . at risk of being cancelled.
Marketing (c) Even if You do not sign and return a copy of this Agreement to Us or confirm that You have done so, We will regard You as
I'd like to be contacted with the latest news and offers from Close Brothers Limited. having accepted Our offer to provide credit to You on the terms set out in this Agreement if You permit the first minimum
monthly payment under the facility to be collected from Your bank account under the Direct Debit Instruction that You have
provided to Us.

Please read, sign and date this copy of the

agreement and retain for your records
FORM 9101

R_PL_CS_STD_CA_A_B_0219
 Conditions
1. Request for drawings: You may request credit under this Agreement by sending Your request to the Broker. We may 10. The Broker:
refuse any such request by notice to you giving Our reasons for refusal (or without notice in circumstances where the (a) You authorise and instruct the Broker on Your behalf to:
CCA does not require a notice to be given) if (a) any event or circumstance specified in Condition 5 (each an “Event (i) submit any application for a drawing;
of Default”) has occurred or (b) for any other objectively justified reason including, without limitation, if we reasonably
(ii) pay any drawing to the insurer to cover the cost of a premium payable under a Relevant Policy; and
consider that (i) the use of the credit would be unauthorised or fraudulent or (ii) there is a significantly increased risk
of You being unable to fulfil Your obligation to repay the credit. If You request credit under this Agreement that would (iii) arrange for any refund of premiums following cancellation of a Relevant Policy and any other amounts payable to You
exceed the credit limit We will consider such request but We are under no obligation to provide credit that exceeds in connection with a Relevant Policy to be paid to Us (and We will credit those amounts to Your Account).
the credit limit. The amount of any request for credit in connection with the policy being financed (such policy (b) You authorise Us to pay to the Broker on Your behalf any amount (including repayment of any interest and charges
including any renewal, substitution or replacement of the Policy, being a “Relevant Policy”) will be debited to Your on withdrawal) that We have to pay to You under this Agreement.
Account and We will pay it to the Broker or the Insurer. (c) The Broker has at Our request made arrangements for You to enter into this Agreement and You acknowledge and
2. Minimum monthly payments: You must pay to Us by Direct Debit a minimum monthly payment as referred to on the agree that We may pay commission to the Broker. Nevertheless, the Broker has not acted and does not act as Our
front page of this Agreement. We do not have to send You a separate demand. You must maintain a Direct Debit agent in relation to this Agreement or the facility.
Instruction in respect of the minimum monthly payment due for the duration of this Agreement. 11. Variation:
3. Security: As security for the payment of all present and future amounts, obligations and liabilities that You owe to Us (a) We may vary this Agreement with immediate effect (and will notify You in writing where We have done so) to:
under or in connection with this Agreement (“Unpaid Amounts”), You: (i) reflect changes in Applicable Law or new industry guidance or codes of practice; or
(a) charge to Us by way of first fixed charge; and (ii) vary the flat rate interest charge and the annual rate of interest if You request a further drawing or an increase of an
(b) assign and agree to assign to Us by security, absolutely and unconditionally, all Your right, title and interest at any existing drawing or to reflect changes in the cost of providing Our services to You.
time in and to the Relevant Policies, including (without limitation) all rights to and interest in (i) all sums payable under (b) We may vary the credit limit for any of the reasons set out on the front page of this Agreement by giving You written
Relevant Policies (including refunds and claims other than third party claims), and (ii) the right to cancel and/or notice.
enforce the Relevant Policies. (c) If We give You at least seven days’ written notice We may vary this Agreement to:
In addition, for so long as there are Unpaid Amounts outstanding, You agree that You will: (i) vary the facility fee if You request a further drawing or an increase of an existing drawing;
(c) not create or allow to exist any security interest on, or in relation to, any Relevant Policy other than those rights (ii) vary any charges to reflect changes in the cost of providing Our services to You;
specifically given in Our favour;
(iii) correct an obvious error or make minor amendments to this Agreement that do not materially prejudice Your rights
(d) not assign or transfer any Relevant Policy to any other person; under it; or
(e) not cancel, vary, renew or replace any Relevant Policy without Our consent; (iv) reflect an improvement to or extension of the scope of the services that We provide to You or any other change to the
(f) not claim under any Relevant Policy without notifying Us in advance; services that is not detrimental to You.
(g) not appoint a broker other than the Broker referred to on the front page of this Agreement without Our consent; (d) Where We agree to finance an increase in the insurance premium or associated charges, this may be treated as a
(h) not do or allow anything to be done which might prejudice Our security over the Relevant Policies or new drawing or an increase in an existing drawing.
reduce the amount payable under any of them; 12. Exchange of information with Credit Reference Agencies: To assess Your application, We may carry out a search
(i) ensure that any refund of premiums due in connection with a Relevant Policy is paid to Us (and We will credit the with a credit reference agency who will keep a record of Our enquiry. We may also search records at credit reference
refund to Your Account); and agencies which may be linked to persons with whom You are linked financially and You may be assessed with
(j) take whatever action We reasonably request to (i) perfect or protect the security created by this Agreement, and (ii) reference to "associated records".We may also add to Your or Your business's record with the credit reference
enable the cancellation or enforcement of any Relevant Policies. agencies details of Your Agreement with Us. They may keep records of enquiries and add details of Our search and
4. Enforcement of security: If, following the occurrence of an Event of Default or a Termination Event, We decide to Your application to Your record. We may use credit scoring techniques and automated decision making systems
enforce the security, We (or the Broker acting on Our behalf) may take such steps in relation to the Relevant Policies which may take into account any previous applications for finance, defaults or existing debt. The results of this
as are necessary to protect Us. These steps may include (but are not limited to): (i) notifying Your insurer of Our decision may decide whether We provide You with Our services. If You disagree with the results of an automated
interest in the Relevant Policies; (ii) cancelling any Relevant Policy and applying any proceeds or refunds paid under decision, You can request a review of Your application, We may also make periodic searches of credit reference
it in or towards payment of the Unpaid Amounts; (iii) taking steps to enforce any Relevant Policy; and (iv) taking agencies to manage Your account with Us.
possession of any Relevant Policy and retaining it. This will mean that You do not receive any amounts paid in If You would like details of the credit reference agencies from whom We obtain, and to whom We pass, information
connection with the Relevant Policies until We have been repaid in full. about You, please write to Us at the above address, email Us at customerservicespf@[Link] or telephone
5. Events of default: The Events of Default are: Us on 0333 321 8566. More information in respect of the credit reference agencies with whom We share Your
personal data is available at [Link]/crain.
(a) You fail to pay on the due date any minimum monthly payment due in respect of Your Account;
13. Information: You must promptly:
(b) You use all or any part of any drawing for any purpose other than to pay the premium on a Relevant Policy or any
associated charges; (a) provide Us with any information that We may reasonably request from You that is relevant to Our assessment of Your
creditworthiness; and
(c) any of the following apply to You:
(b) inform Us without delay of any changes to Your contact details provided.
(i) You are insolvent or unable to pay Your debts under any applicable law or You suspend payments on any of Your
debts; 14. Transfer of rights and obligations: We may transfer all or any of Our rights and obligations under this Agreement to
any person, provided that We reasonably believe such transfer will not prejudice Your rights. You may not assign or
(ii) a statutory demand or bankruptcy petition or order is served on You;
transfer Your rights or obligations under this Agreement without Our consent.
(iii) an arrangement is approved in respect of You for a compromise of Your debts or You sign a trust deed for the benefit
15. No waiver: Any failure by Us (whether continued or not) to insist upon strict compliance with any of the terms of this
of creditors;
Agreement will not affect Our ability to exercise Our rights in the future.
(iv) You are dissolved, enter administration, moratorium or receivership or are wound-up; or
16. Governing law: This Agreement and any non contractual obligations arising out of or in connection with it are
(v) any procedure or step is taken in any jurisdiction in respect of You which has a similar effect to those in (i) governed by English law and both You and We submit to the non-exclusive jurisdiction of the English courts in
to (iv) above; relation to any dispute in connection with this Agreement.
(d) enforcement or execution or distress is levied or attempted against You or any of Your assets or income including
(without limitation) the appointment of a receiver or any procedure or step is taken in any jurisdiction which has a Important information
similar effect; 17. Right to repay early: You have the right under the CCA to repay amounts that You have borrowed under this
(e) You fail to comply in any material respect with any of the terms of this Agreement; Agreement early in full or in part. If You wish to repay any amount early You must give Us notice by one of
(f) You are in material breach of any of the terms of any other agreement that You have entered into with Us or any other the following methods: (i) by telephone on 0333 321 8566; (ii) by email to customerservicespf@[Link] or
Group Company; (iii) by post or delivery of the notice to the above address. If You do repay an amount early, We may recalculate the
(g) We consider, in Our reasonable discretion, that the security that You have granted to Us under this Agreement is in minimum monthly payment to ensure that drawings are repaid over the time period originally agreed with You.
jeopardy; 18. Right of action: You may be entitled to take action against the insurer under a Relevant Policy, the Broker or Us if
(h) You have given false information or have otherwise committed or assisted another person to commit fraud in You have received unsatisfactory services paid for under this Agreement costing more than £100 and not more
connection with this Agreement; or than £30,000. If the value of the services is more than £30,000 and less than £60,260 You are entitled to take action
(i) We reasonably consider that Our reputation would be at risk if We were to continue with this Agreement. against Us if You are unable to obtain redress from the insurer or the Broker.
6. Remedies on default: If any Event of Default occurs and is continuing, and We give You at least fourteen days’ notice in 19. Consumer Credit Act: If You are a company or a partnership consisting of four or more persons, You will not benefit
from protections under the CCA or the Consumer Credit Sourcebook of the Financial Conduct Authority.
writing, then We may:
20. Complaints and requesting information: If You would like to make a complaint about Our services, in the first
(a) declare that any Unpaid Amounts (including unpaid interest that has not yet been debited to Your account) have
instance, and to allow Us to resolve any problems, please telephone Us on 0333 321 8566, email Us at
become immediately due and payable to Us; and
complaintspf@[Link] or write to Us at the address at the top of the front page. Our complaints handling
(b) enforce the security that You have granted to Us. procedures can be obtained using any of the above details. If You feel the complaint has not been satisfactorily
7. Termination Event: A Termination Event will occur if after carrying out a further assessment following the making of a resolved then, if You are not a business debtor, You have a right to complain to the Financial Ombudsman Service. If
drawing We reasonably consider that the commitments under this agreement would adversely impact your financial You are a business debtor, You may have a right to complain to the Financial Ombudsman Service. The Financial
situation or You would be unable to make the minimum monthly payments due under this Agreement. If a Termination Ombudsman can be contacted on 0800 023 4567, or by writing to The Financial Ombudsman Service, Exchange
Event occurs, We may take the same steps as we would be entitled to take following an Event of Default, except that Tower, London E14 9SR or by email to [Link]@[Link] or via their website at
no interest or Facility Fee will be due from You for the relevant drawing. [Link]. You may ask for a copy of the information We hold about You by writing to
8. Termination of the Agreement: Information Requests at the address at the top of the front page.
(a) We may end this Agreement at any time by giving You at least two months’ written notice. 21. Regulator: Financial Conduct Authority, 12 Endeavour Square, London E20 1JN
(b) You (or the Broker acting on Your behalf) may end this Agreement at any time by giving written notice to Us.
(c) If We or You terminate this Agreement You must pay Us on or before the termination date any Unpaid Amounts
(including accrued interest which has not yet been debited to Your Account).
9. Set-off rights: We may set-off any amount due from You under this Agreement or under any other agreement with Us
or any other Group Company against any obligation that We owe to You. Any exercise of Our right to set-off shall not
limit or affect any other rights or remedies available to Us under this Agreement.

To receive this Agreement in an alternative format, please contact Us on 0333 321 8566 or email Us at customerservicespf@[Link]

Please read, sign and date this copy of the

agreement and retain for your records

GDC3739-11-12-18 R_PL_CS_STD_CA_A_B_0219
Pre-contract credit information
(Standard European Consumer Credit Information)

1. Contact details
CreditorAddress Close Brothers Limited trading as Close Brothers Premium Finance
Wimbledon Bridge House, 1 Hartfield Road, London, SW19 3RU
Credit intermediary Bollington Insurance Brokers Ltd (Quoteline)
Address Clipper House, Chester Road, Sale, M32 8AL

2. Key features of the credit product

The type of credit Running account
The total amount of credit At the date of the credit agreement (the "Agreement") the credit
This means the amount of credit to be provided under the limit will be £550.00.
proposed credit agreement or the credit limit
How and when credit would be provided Credit will be provided to finance the purchase of insurance
policies (each a "Relevant Policy") and associated charges.
Payment will be made direct to the broker or the insurance
company under the Relevant Policy.
The duration of the credit agreement The Agreement has no fixed or minimum duration.
Repayments You must make a minimum monthly payment to us each month in
respect of each drawing while you owe money under the
Agreement. This will be enough to repay each drawing under the
Agreement (together with any associated interest and charges)
before the expiry of the Relevant Policy it finances. Each drawing
under the Agreement will be repayable in instalments, each of
which will be an equal proportion of the total amount you must
pay in respect of that drawing (as set out in the box below) less
the amount of any facility fee and less any credit arrangement fee
you may have been charged by your broker (unless this has been
financed by us and included in the amount of the drawing). Each
minimum monthly payment will consist of a single instalment,
except that the first minimum monthly payment may include two
or more instalments, depending on when it is due. The first
minimum monthly fee payment will also include any facility fee.
The first drawing under the Agreement will be repayable in 10
instalments.
The total amount you will have to pay The total amount you must pay in respect of your first drawing of
This means the amount you have borrowed plus interest and £319.32 is £381.49. This amount includes any credit arrangement
other costs fee you may have been charged by your broker.

The total amount payable under the Agreement is £692.78. This

is how much you would have to pay if you borrowed an amount
equal to the credit limit set out above.
The proposed credit will be linked to the supply of specific The proposed credit will be linked to the purchase of a Relevant
goods or the provision of a service Policy or Policies.
Description of services The cash price of the Relevant Policy and any associated
Cash price charges to be financed by the first drawing is £354.80.
Security required We have a charge over each Relevant Policy.
This is a description of the security to be provided by you in
relation to the credit agreement

3. Costs of the credit

The rates of interest which apply to the credit agreement The flat rate interest charge on the first drawing under the
Agreement will be 19.47%. This is equivalent to an annual rate of
interest of 25.96% assuming that the drawing is repaid in 10
instalments starting on the first date when the facility is available.
We may notify you to vary the flat rate interest charge and the
annual rate of interest.
Annual Percentage Rate of Charge (APR) The APR will be 55.41%.
This is the total cost expressed as an annual percentage of
the total amount of credit
The APR is there to help you compare different offers

UKSECCI - R- 02/19 - V4
Related costs
Any other costs deriving from the credit agreement We may charge: (i) a facility fee each time you make a new
drawing or increase the amount of a drawing to finance an
increase in the insurance premium. The facility fee for the first
Conditions under which the above charges can be changed drawing under the Agreement will be £0.00; (ii) a fee where you
ask to move back the due date for any minimum monthly
payment by more than seven days; (iii) a fee of £15.00 where we
terminate the Agreement following an event of default for each
drawing; and (iv) a fee for any reasonable costs we incur in
responding to and dealing with your enquiries. Your broker may
have charged a credit arrangement fee of £0.00 for the
arrangement of the first drawing under the Agreement. You may
be charged a credit arrangement fee each time you make a new
drawing or increase the amount of a drawing to finance an
increase in the insurance premium.
Costs in the case of late payments You will have to pay £30.00 if we don't receive any minimum
monthly payment on time. We may also charge you interest at the
annual rate of interest applicable to the relevant drawing on any
amount you fail to pay us on time.
Consequences of missing payments If you miss a payment you will incur extra charges, your credit
record may be affected and you may find it harder to borrow
again from us or another lender. We may take steps to have the
Relevant Policy or Policies terminated. We may also take legal
action against you.

4. Other important legal aspects

Right of withdrawal You have the right to withdraw from the Agreement without giving
any reason before the end of 14 days beginning with the day after
(a) where we send you an agreement signed by us, the day on
which you enter into the Agreement or (b) where you sign an
agreement that has not been signed by us, the day on which you
receive a copy of the Agreement signed by us.
Early repayment You have the right to repay the credit early in full or in part at any
time.
Consultation with a Credit Reference Agency If we decide not to proceed with an Agreement on the basis of
information from a credit reference agency we will inform you of
this and of the particulars of that agency.
Right to a draft credit agreement You have the right, upon request, to obtain a copy of the draft
Agreement free of charge.

5. Additional information in the case of distance marketing of financial services

(a) concerning the creditor
Registration number Company registration number 195626
Financial Services Register number 124750
The supervisory authority Authorised by the Prudential Regulation Authority and regulated
by the Financial Conduct Authority and the Prudential Regulation
Authority

(b) concerning the credit agreement

The law taken by the creditor as a basis for the establishment English law
of relations with you before the conclusion of the credit
agreement
The law applicable to the credit agreement and/or the English law and subject to the non-exclusive jurisdiction of the
competent court English courts.
Language to be used in connection with the credit agreement English

(c) concerning redress

Access to out-of-court complaint and redress mechanism Any complaint should be directed to us in the first instance, either
by telephone on 0333 321 8566, by email at
complaintspf@[Link] or in writing to us at the
address above. If you are unhappy with any response, you may
have the right to contact the Financial Ombudsman Service at
The Financial Ombudsman Service, Exchange Tower, London
E14 9SR
Tel: 0800 023 4567
E-mail: [Link]@[Link]
Website: [Link]
Questions and answers
It’s important that you take time to carefully consider the information contained
in (and attached to) this welcome email. To help you do so, we have prepared the
following question and answers.
be liable to pay all sums owing to us, as well as
Are there any uses for which this credit any charges. Your credit record may be affected,
agreement is not suitable? If so, what are and you may find it harder to borrow from us or
they? another lender
The running account credit agreement gives you an
How important is it for me to read the
easy way to spread the cost of your insurance
pre-contract information?
premium over a period of time, allowing you to
manage your cash flow more easily over the life of It is very important that you read all the
your policy. It is specifically designed for the pre-contractual information included in (and
repayment of insurance premiums and isn’t attached to) your welcome email and take time to
suitable for any other use. consider it carefully. The welcome email and
attachments also contain details of the cost of your
What will it cost me? credit agreement, the minimum monthly payments
You will have to pay back the money you draw that you will need to make and the dates on which
down under the agreement plus interest and a these will be taken, as well as the terms and
facility fee (if charged). In some cases, you may conditions of the credit agreement itself which is
have to pay other charges (for example, if you miss our legal contract with you. This information will let
a payment) which are described in the Interest and you make an informed decision about whether or
charges section of your agreement - we’ll let you not this is the right product for you.
know if these charges arise. These costs and your Do I have any right of withdrawal? If so,
credit limit are all specified in your credit
what are the terms?
agreement and the pre-contract credit information.
You have the right to withdraw from the credit
Your minimum monthly payments are calculated by
agreement without giving any reason before the
adding interest to the amount you’ve drawn down
end of 14 days beginning with the day after (a)
and dividing that total by the number of months
where we send you an agreement signed by us,
over which the money is to be repaid. Your Direct
the day on which you enter into the agreement or
Debit confirmation outlines your minimum monthly
(b) where you sign an agreement that has not been
payments and your credit agreement outlines the
signed by us, the day on which you receive a copy
total you will repay. If you have to pay a facility fee
of the agreement signed by us.
this will be added to the first minimum monthly
payment. If you wish to withdraw you must give us notice by
one of the following methods: (i) by e-mail to
Are there any features of the credit customerservicespf@[Link]; (ii) by
agreement which could have an adverse telephone on 0333 321 8566; or (iii) by post or
impact on me? delivery to Wimbledon Bridge House, 1 Hartfield
Yes. As the insurance policy forms the security for Road, London, SW19 3RU,
your credit, your insurance policy is at risk of Wimbledon Bridge House, 1 Hartfield Road,
cancellation if you fail to meet your repayment London, SW19 3RU.
obligations. If your insurance policy is cancelled in If you validly withdraw as described, the credit
such circumstances, we have the right to receive agreement is treated as if it was never entered into
any proceeds or refunds paid. If we do, we will use and you must repay the amount of credit within 30
these funds to reduce the amount you owe us. days beginning with the day after the day you
notified Wimbledon Bridge House, 1 Hartfield
What will happen if I do not pay my Road, London, SW19 3RU of your intention to
minimum monthly payments on time? withdraw. You will not have to pay us any interest
You may have to pay a charge plus interest if we or charges but you will have to make alternative
don’t receive a minimum monthly payment on time, arrangements to pay for your insurance.
as described in the interest and charges section of
How can I get further information about my
the credit agreement. If you are in breach of the
terms of the credit agreement, we may have a right credit agreement?
to terminate it and in such circumstances, we may If you have any questions or you would like more
charge a termination fee as set out in the interest information, please visit our website, you can call
and charges section of the credit agreement. We us on 0333 321 8566 at any time between 9am and
may also enforce any security given to us under 5.30pm Monday to Friday, or write to us at
the terms of the credit agreement, which will result Wimbledon Bridge House, 1 Hartfield Road,
in the cancellation of your insurance policy. You’ll. London, SW19 3RU, Wimbledon Bridge House, 1
Hartfield Road, London, SW19 3RU.
 Account reference: 5004494157 05

About your finance and policy details

Amount to be
Cover date Policy number Insurer Cover type
debited (£)
06/07/2020 001 Zenith Insurance Plc Insurance 354.80
Less deposit 35.48
Balance of premium to be financed 319.32
Projected interest at £19.47 per £100 (APR 55.41%) 62.17
Total amount payable 381.49
This does not include any credit arrangement fee paid directly to your broker. Please see your credit
agreement for more information.
If there is a change to the total amount payable on your credit agreement (for example, if you renew
your insurance policy), the interest rate may vary.
You have been provided with a credit limit of £550.00 as set out in the enclosed documentation.
 Account reference: 5004494157 05

Fees

We may charge you the following additional fees:

Fee if you miss any minimum monthly payment: £30.00

Fee for each drawing if your account is cancelled due to your failure to
comply with the terms and conditions of your agreement: £15.00

Your payment schedule details

Subject to a successful credit approval your monthly payments will be taken as follows:

Date Amount (£) Date Amount (£)

16/07/2020 £38.15 07/12/2020 £38.15
06/08/2020 £38.14 06/01/2021 £38.15
07/09/2020 £38.15 08/02/2021 £38.15
06/10/2020 £38.15 08/03/2021 £38.15
06/11/2020 £38.15 06/04/2021 £38.15

We collect payments monthly in advance, beginning on the start date of your policy. If your insurance
policy has been in place for a period of time you may need to make more than one payment within the
first month. If so this is shown above.

You have been provided with a credit limit of £550.00 as set out in the enclosed documentation.
 Account reference: 5004494157 05

Your Direct Debit details and Guarantee

Account name: Mr B Spencer

Account number: XXXX8715
Bank Sort Code: 20-98-75

If any of these details are incorrect, please let us know immediately on 0333 321 8566. However, if the
details are correct you need do nothing and your Direct Debit will be processed as normal. You have
the right to cancel your Direct Debit at any time. A copy of your Direct Debit Guarantee is also shown
below.

The Direct Debit Guarantee

• This guarantee is offered by all banks and building societies that
accept instructions to pay Direct Debits.
• If there are any changes to the amount, date or frequency of your Direct Debit, Close Brothers
Limited trading as Close Brothers Premium Finance will notify you two working days in advance of
your account being debited or as otherwise agreed. If you request Close Brothers Limited trading
as Close Brothers Premium Finance to collect a payment, confirmation of the amount and date will
be given to you at the time of the request.
• If an error is made in the payment of your Direct Debit, by Close Brothers Limited trading as Close
Brothers Premium Finance or your bank or building society, you are entitled to a full and immediate
refund of the amount paid from your bank or building society.
o If you receive a refund you are not entitled to, you must pay it back when Close Brothers
Limited trading as Close Brothers Premium Finance asks you to.
• You can cancel a Direct Debit at any time by simply contacting your bank or building society.
Written confirmation may be required. Please also notify us.