Disclaimer

To the extent allowed by applicable law the Francis Townsend Group of companies disclaim all warranties, expressed or implied, as to the information on this Website. This Website does not constitute advice or recommendations and it should not be relied upon for making investment decisions. Please consult with the Francis Townsend Group or any of its constituent companies direct or your own legal, tax or financial advisor with regard to your own personal situation. Any company within the Francis Townsend Group or the Francis Townsend Group itself shall not be liable for any loss of profit or any direct or indirect or consequential loss, business interruption, or loss of data or programmes arising out of or in connection with the use of the information, either contained within this Website or from any of its hyperlink connections.

Website Disclaimer

All reasonable care has been taken to ensure that the information contained on this Website is accurate and current as at the date shown below. It is offered in good faith but the Francis Townsend Group of companies and its constituent companies do not accept any liability for errors and/or omissions. We reserve the right to add amend or delete information on this Website at anytime without notice.

Copyright

No part of this Website may be copied or imitated in whole or in part. No logo, graphic, sound, or image from this Website may be copied or retransmitted unless expressly permitted in writing by a company with the Francis Townsend Group or the Francis Townsend Group itself (these prohibitions are without limitation the legal rights of the Francis Townsend Group or any of its constituent companies).

You may retrieve display, print, copy, or download any material on this site for your personal use only. You may not reproduce or modify any material on this Website in order to commercially exploit such material.

Software quality

We can give no warranty that this site and its content are free from viruses or anything else that has contaminating or destructive properties.

Links

We are not responsible for anything mentioned or linked to this site by a third party over which we have no control. No one may link into this Website without prior written consent from the Francis Townsend Group or one of its constituent companies.

Industry Standards

The Financial Services Authority (FSA) regulates the General Insurance industry and the Francis Townsend Group and its constituent companies are authorised by this body to operate as an insurance intermediate.

Our FSA Registration Number is 311850 and full details of our registration and further information on the FSA can be found on their website www.fsa.gov.uk or by contacting the FSA direct on 0845 606 1234.

Francis Townsend & Hayward (Financial Services) Ltd is also regulated by the FSA for the purposes of investment business.

Governing Law

Any dispute or claim concerning or arising from this Website shall be determined in accordance with the laws of England and Wales and the courts of England and Wales shall have the exclusive jurisdiction in determining such disputes.

FEBRUARY 2005