Customer Agreement and Application Form - Foresight Group

Foresight 

Inheritance Tax Solution 

Sustaining wealth for future generations 

Customer Agreement & Application Form March 2013

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Customer Agreement 

Please take independent advice on this Customer Agreement 

1. Legal Status 

This Agreement constitutes the contract between You and 

Us appointing Us to constitute and manage Your Portfolio 

in accordance with the Investor Guide. By signing the 

Application Form You agree and/or confirm that: 

1.1 You have received, read and understood the Investor 

Guide and this Customer Agreement; 

1.2 Your investment will be managed and operated in 

accordance with and on the terms and conditions of the 

Customer Agreement; 

1.3 You have not relied on any statement, representation or 

warranty made or given by Foresight Group, other than 

those expressly set out in the Customer Agreement; 

1.4 You have sought independent advice in respect of Your 

investment in the Foresight ITS; 

1.5 all information that You have provided to Us (including 

the information provided in Your Application Form) is true, 

accurate and complete in all material respects and You 

have not omitted any information which may be material 

to the services to be provided to You and any changes to 

information You have provided shall be notified to Us in 

writing as soon as reasonably practicable; and 

1.6 where You comprise more than one person We shall be 

entitled to act on the instructions and directions of any 

one of such persons. 

2. Regulatory Status 

2.1 Foresight is regulated by the Guernsey Financial Services 

Commission for the provision of investment management 

and advisory services. Foresight ITS is an unregulated 

English product and does not require approval from 

the Guernsey Financial Services Commission. However, 

Foresight is permitted under all applicable legislation to 

provide the services to be undertaken by it as described in 

this Agreement. 

2.2 We will always comply with the Applicable Rules in relation 

to the Foresight ITS. 

2.3 The Foresight ITS is not suitable for persons who are not 

subject to IHT and is not addressed to, or being sent to, any 

non-UK residents. 

2.4 Foresight Group LLP, which has published the Investor 

Guide, is covered by the Financial Services Compensation 

Scheme. However, You should be aware that Foresight, 

which is Your investment manager, does not carry on 

investment business in the UK and is not regulated by 

the Financial Services Authority. The laws set out in the 

Financial Services and Markets Act 2000 will not 

apply to You. Foresight is not covered by the Financial 

Services Compensation Scheme or the Financial 

Ombudsman Service. 

3. Commencement Date 

3.1 This Agreement will take effect on the date We accept 

Your duly completed and signed Application Form. 

FoReSIght INHERITANCE TAx SOLUTION 

3.2 All Our obligations under this Agreement are subject 

to Our first being satisfied with any compliance 

procedures required of Us in accordance with all Money 

Laundering Regulations. The compliance procedures 

include requiring proof of Your identity and of Your 

address, or that of any person with legal control over the 

investment. You authorise Foresight Group to undertake 

any electronic searches necessary for the purposes of 

verifying Your identity and address and to check the 

details You supply against Your particulars on any 

database (public or otherwise). 

3.3 We may pass on any information supplied by or on 

behalf of You as We consider necessary to comply with 

any legal or regulatory obligation to which We or any 

affiliate are subject. Foresight may also use Your details 

in the future to assist other companies for verification 

purposes. A record of this search will be retained. If Your 

identity cannot be verified, We may ask You to provide, 

among other things, a recent, original bank statement 

and an original HM Revenue & Customs Tax Notification, 

or a copy of Your passport certified by a bank, solicitor 

or accountant or a Client Verification Certificate from 

Your financial adviser. 

4. Investment Management Services 

4.1 Foresight ITS is a discretionary investment management 

service. By entering into this Agreement, You grant to Us 

the right on Your behalf and on a discretionary basis to 

select and manage investments in accordance with the 

objectives and principles of Foresight ITS, as set out in the 

Investor Guide. We will, typically acting as Your agent, buy 

appropriate investments to build Your Portfolio and when 

You wish to withdraw funds from Your Portfolio, sell down 

such holdings in Your Portfolio as We deem appropriate. 

Generally We shall act as We think appropriate in relation 

to the management of the Portfolio, but subject always to 

the provisions of this Customer Agreement. 

4.2 By entering into this Agreement, You acknowledge 

that Foresight Group has not provided You with advice 

about the Foresight ITS. You further acknowledge 

that Foresight ITS is not a collective investment 

scheme nor is it regulated and accordingly does not 

provide for protections typical of such schemes or 

regulated products. 

4.3 We will acquire for Your Portfolio, investments which We 

reasonably believe to be Qualifying Investments at the 

time of acquisition (but no commitment is given that 

any such investment will remain a Qualifying Investment 

at all times thereafter). There shall be no restriction on 

the amount invested in any one investment, or on the 

proportion of Your Portfolio in any one investment, or 

any particular type of investment unless specified in the 

Investor Guide. 

4.4 It is likely that the trading activities of the entities in which 

Your Portfolio invests will include dealings with companies

and other entities in which Foresight and its Affiliates 

or funds advised by Foresight and its Affiliate have an 

interest. Such interests may include equity investments 

and/or debt investments. Such dealings may include the 

provision of credit facilities on preferred or subordinated 

terms. Accordingly Foresight and its Affiliates may be 

entitled to gains, profits or fees from or in relation to 

such companies and entities. Additionally the costs and 

expenses of such companies and entities (which may 

include payments to Foresight or Affiliates) is not included 

in the expenses cap referred to in clause 6.8. The conduct 

of Your Portfolio will always be in accordance with the 

objectives and principles set out in the Investor Guide. 

4.5 Any sale of investments by Us on Your behalf may 

trigger tax consequences about which You should 

speak to Your professional financial adviser. A sale of 

Qualifying Investments will mean you lose the benefit of 

BPR in relation to those Qualifying Investments. We are 

not responsible for the taxation consequences of any 

transaction. Save for BPR We are not required to take 

into account tax issues for You in the management of 

the Portfolio. 

4.6 We will not be responsible for any disclosures or 

notifications from time to time required of You by 

legislation or regulatory bodies such as the Panel on 

Takeovers and Mergers. 

5. Financial Advice 

5.1 Foresight and its Affiliates have provided no financial, 

legal or tax advice in relation to the suitability of the 

Foresight ITS for You. It is Your responsibility (on 

the advice of Your professional financial adviser if 

appropriate) to keep Your financial circumstances, 

objectives and risk profile under review, and to assess 

whether the Foresight ITS and other investments selected 

by (or on behalf of) You remain suitable for Your needs. 

We are not liable for any losses You suffer or incur as a 

result of Your investment in the Foresight ITS (whether 

or not You have received advice from a professional 

financial adviser) and We cannot and do not make 

any representation that such investment is suitable or 

appropriate for Your specific needs and requirements. 

5.2 We will provide You with information on investments 

held within Your Portfolio from time to time. Any 

information on investments or markets such as market 

trends, investment analysis or commentary on the 

performance of selected investments or companies is for 

information purposes only and should not be viewed as 

a personal recommendation. 

5.3 We may, subject to Applicable Rules and unless You notify 

Us in writing, accept instructions and deal with any agent 

or other adviser notified to Us in writing rather than 

dealing with You directly and We may share with such 

person, details of Your investments with Us. 


5.4 Where Your Application Form has been submitted through 

a financial adviser or other professional agent, then 

You warrant and represent that such person is acting 

as Your agent. 

6. Fees and expenses 

6.1 Fees and expenses are summarised in the Investor Guide 

and are described in more detail in this clause 6. 

6.2 Foresight will be entitled to an initial charge of 2.5% 

of the monies invested by You in the Foresight ITS. 

This initial charge will be deducted from the 

monies invested. 

6.3 Foresight may make, or procure the making of, facilitation 

payments in respect of charges you have agreed with 

your authorised adviser on your behalf as detailed in the 

Investor Guide. You confirm that any ongoing agreed 

charges payable to your authorised adviser are and will 

be for ongoing services to You in relation to the Foresight 

ITS. You have the right to cancel the facilitation of ongoing 

charges at any time by notice in writing to Us. You may 

also request that facilitation of ongoing charges be paid to 

a new authorised adviser who is advising you in relation 

to the Foresight ITS in place of the previous adviser. 

Any such request must be by at least 30 days notice in 

writing to Us. No facilitation of ongoing charges will be 

made unless these are exceeded by the value of Your 

Portfolio. We may decline to make or procure the making 

of, facilitation payments, or alter the structure of such 

facilitation payments for legal, tax or regulatory reasons. 

All facilitation payments will be made in accordance with 

the Foresight terms of business for intermediaries from 

time to time. 

6.4 Foresight shall, within 1 month of the end of each financial 

year of the Foresight ITS calculate the annual return on 

Your Portfolio for the period (“Calculation Period”) from 

the date of Your investment in the Foresight ITS to the 

last Business Day of that financial year. Annual return 

shall mean income returns (excluding capital growth) on 

the funds invested by You in Your Portfolio (net of the 

initial charge of 2.5%, any upfront adviser charges that 

are facilitated and any withdrawals by You) and shall 

be calculated on a simple basis without compounding, 

after deduction of all costs and expenses except for 

the Foresight management charges. In relation to each 

Calculation Period: 

6.4.1 Foresight shall be entitled to a basic management charge 

of a sum equal to the amount by which the annual return 

on Your Portfolio for that Calculation Period is greater 

than a minimum of 3.5% but no more than 5.5%; and 

6.4.2 Foresight shall be entitled to an enhanced management 

charge of a sum equal to 50% of the amount by which 

the annual return on Your Portfolio for that Calculation 

Period is greater than 5.5%; and 


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6.4.3 the basic management charge and enhanced 

management charge (if anything) shall be paid within 

one month of the end of that Calculation Period (to the 

extent not previously paid). For the avoidance of doubt 

no part of a basic management charge or an enhanced 

management charge actually paid to Foresight shall be 

repayable if annual returns for a Calculation Period ending 

after the date of payment have fallen. 

6.5 Foresight and/or Affiliates will in respect of each 

financial year of the Foresight ITS charge a company 

secretarial fee of £60,000 per annum or, if greater, 

0.3% of the gross amount of all monies invested in the 

Foresight ITS at the end of such year. The company 

secretarial fee will be paid within one month of the 

end of the financial year. 

6.6 Foresight and/or Affiliates will charge a performance 

incentive fee on any withdrawals (including income 

withdrawals) by You from the Foresight ITS of a sum equal 

to 50% of the amount by which the total return on the 

initial investment by You (net of the Foresight initial charge 

and any upfront adviser charges that are facilitated) 

represented by such withdrawal exceeds 3.5% per annum. 

In calculating the total return to You no account will be 

taken of the dealing fee. All returns (income, capital or 

otherwise) will be taken into account and the 3.5% per 

annum target return will be calculated on a simple basis 

without compounding. Foresight reserves the right to 

structure the performance incentive fee in any form as it 

sees fit provided the overall financial impact upon you is 

materially no worse. We reserve the right, in the case of 

income withdrawals, to calculate performance incentive 

fees on income withdrawals during a financial year on 

an aggregate basis as if all paid half way through that 

financial year and to deduct any performance incentive fee 

from the next income withdrawal. 

6.7 Foresight will charge a dealing fee of 1% of the amount 

of any withdrawal (including regular withdrawals) from 

the Foresight ITS and the dealing fee will be deducted from 

the amount of the withdrawal. Dealing fees will not be 

charged on withdrawals to facilitate payments of ongoing 

adviser charges. 

6.8 Foresight will ensure (by deduction from the Foresight 

basic management charge) that in relation to each 

financial year of the Foresight ITS the expenses of the 

Foresight ITS will not exceed 0.7% of the value of the 

Portfolios of all Investors in the Foresight ITS at the 

end of that financial year. Expenses will include the 

costs and expenses of the bodies corporate in which 

Your Portfolio invests, and the Foresight Group company 

secretarial fees. Expenses will not include the Foresight 

management charges, performance incentive fees, 

dealing fees, stamp duty, the costs and expenses 

of the entities in which such bodies corporate 

themselves invest and investment costs of the 

underlying investments. 

6.9 Foresight may fix the financial year of the Foresight ITS 

and/or investors in the Foresight ITS from time to time. 

03 FoReSIght INHERITANCE TAx SOLUTION 

6.10 Foresight will value the investments, including capital and 

income returns, in Your Portfolio on a basis consistent 

with the valuation principles issued by the British Private 

Equity and Venture Capital Association from time to time. 

In calculating the fees and charges of Foresight relevant to 

income or capital returns, or annual returns for any period 

the applicable valuation statements issued by Foresight 

or Affiliates in relation to your Portfolio shall be final 

and binding. 

6.11 All costs and expenses are stated exclusive of value added 

tax, if applicable. 

7. Delegation and Use of Agents 

7.1 Any of Our functions under this Agreement may be 

delegated to an Affiliate or competent (and if relevant, 

appropriately regulated) third party of Our choice to 

perform such functions. We may appoint other members 

of Foresight Group who are suitably qualified to provide 

investment advisory services to Us in respect of Your 

investment. We may also delegate to other members of 

the Foresight Group who are suitably qualified. This does 

not prevent the assignment by Us of any agreement 

pursuant to clause 20.1. 

7.2 In particular, We may at Our discretion, delegate the 

provision of administration, nominee and safe custody 

services to such professional entity or entities as We see 

fit. We may change such entity and amend the terms of 

the relationship with such entity from time to time. 

7.3 We will act in good faith and with due diligence in the 

selection, use and monitoring of third party agents and 

delegates. Save as provided in this clause 7.3 and clause 

7.4 We are not responsible or liable for the acts, omissions 

and errors of any agent or delegate. 

7.4 Where any functions have been delegated to an Affiliate, 

We will accept responsibility for all acts and omissions of 

such Affiliate as if they were Our own. 

8. Custody 

8.1 The Custodian will hold all investments in Your Portfolio in 

safe custody on the following basis: 

8.1.1 title documents (if any) to investments in respect of 

which such documents are issued will be physically held by 

the Custodian; 

8.1.2 any registerable investment acquired for Your Portfolio will 

normally be registered in the name of the Custodian or its 

nominee company; and 

8.1.3 any documents of title to investments in bearer form will 

be held by the Custodian. 

8.2 Although Your investments will not be pooled into any 

underlying vehicle nor form a collective investment 

scheme, investments held by the Custodian for the 

account of Your Portfolio may in effect be pooled with 

other holdings held by the Custodian and, as such, may 

not be readily identifiable by separate certificates, other 

physical documents of title or equivalent electronic record. 

As a result, should the Custodian default, You will share

in any shortfall in proportion to Your original share of any 

investments in the Custodian’s pool. In addition, where 

the Custodian holds the same investments for You and 

another investor in Foresight ITS, Your investments 

may in effect be used to settle that other investor’s 

transaction, which will not affect the Custodian’s 

record of Your entitlements. 

8.3 We have discretion to exercise or decline to exercise any 

conversion, subscription, voting or other rights relating 

to investments held in Your Portfolio, and to give suitable 

instructions to the Custodian, without consulting with You 

beforehand. By entering into this Agreement, You hereby 

authorise Foresight to act on Your behalf and exercise all 

rights attaching to the investments held in Your Portfolio 

as it shall deem fit and at its discretion. 

9. Client Money 

9.1 We will deposit cash received from You in connection with 

the Foresight ITS with an Approved Bank in the United 

Kingdom or Guernsey and We will instruct the Approved 

Bank to hold such cash on Our behalf in a trust account 

separate to any account used to hold money belonging 

to Us in Our own right. No responsibility is accepted for 

any acts or omissions of the Approved Bank. Should the 

Approved Bank become insolvent, We will claim on behalf 

of Our clients against the Approved Bank, however, if 

the Approved Bank cannot repay all of its creditors, any 

shortfall may have to be shared proportionately 

between them. 

9.2 Following Our acceptance of Your application, interest 

will not accrue on uninvested cash until deposited with the 

Approved Bank. 

9.3 After termination of this Agreement, We may, subject 

to the Applicable Rules, retain Your money for Our own 

discretion if it remains unclaimed for a period of at least 

six years and provided that We have taken reasonable 

steps to trace You and return the balance. 

10. Valuations and Reports 

10.1 You will receive statements twice a year, comprising the 

cost and current value, of all underlying investments, 

within Your Portfolio as at the last Business Day of the 

period in question. All such reports will be provided 

within 90 days of the period end. The performance of 

the investments held within Your Portfolio will not be 

measured against any stock market or other index. 

10.2 All investments will be valued at close of business on 

the last Business Day of the relevant period as stated in 

clause 6.10. Periodic statements will also show income 

and interest credited to Your Portfolio, fees charged or 

accrued and transactions made within the period. 

11. Conflicts of Interest 

Foresight has implemented a conflicts of interest policy 

that identifies those circumstances that constitute, or may 

give rise to, conflicts of interest that pose a material risk 

of damage to Our customers. This policy also addresses 

the effective organisational and administrative 


arrangements that We maintain and operate to manage 

those conflicts. A copy of such policy is available on 

request. Your attention is drawn to clause 4.4. 

12. Dealing 

12.1 In accordance with the Applicable Rules, We have 

implemented an order execution policy which sets out the 

reasonable steps that We will take in order to obtain the 

best possible result for Our customers. 

12.2 Foresight ITS will execute trades outside a regulated 

exchange or multi-lateral trading facility. In signing an 

Application Form, You provide consent and authorise 

Foresight to execute such trades on Your behalf. 

12.3 We will act in good faith and with due diligence in Our 

choice and use of counterparties. All transactions will 

be effected in accordance with the rules and regulations 

of the relevant market, exchange or trading facility (if 

relevant), and We may take all such steps as may be 

required or permitted by such rules and regulations and/ 

or by appropriate market practice. 

12.4 We may aggregate Your transactions with those of other 

customers and employees of Us and Our Affiliates in 

accordance with the Applicable Rules. It is likely that 

the effect of such an allocation will not work to Your 

disadvantage however, occasionally, this may not be the 

case. We will allocate aggregated transactions promptly 

on a fair basis in accordance with the requirements of the 

Applicable Rules (if applicable). 

13. Liability 

13.1 We will act in good faith and with due diligence in 

managing Your Portfolio in accordance with this 

Agreement. We accept responsibility for loss to You only 

to the extent that such loss is due to negligence or wilful 

default by Us or Our Affiliates. We will not be responsible 

for any losses to the extent arising from any information 

provided by You being untrue, inaccurate or incomplete. 

13.2 Should the Custodian fail to deliver any necessary 

documents or to account for any investments, We will 

take all reasonable steps on Your behalf to recover 

such documents or investments or any sums due 

or compensation in lieu thereof but save where the 

Custodian is Our Affiliate, and subject to Our general duty 

of good faith, no liability is accepted for such failure. 

13.3 Save as provided in the Applicable Rules if there is a total 

or partial failure, interruption or delay in the performance 

of Our obligations to the extent resulting from acts, 

events or circumstances not reasonably within Our 

control (including, but not limited to: acts or regulations 

of any governmental, regulatory or supranational bodies 

or authorities; breakdown, failure or malfunction of any 

telecommunications or computer service or services; and 

acts of war, terrorism or civil unrest) We shall not be liable 

to You or in breach of this Agreement. 


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13.4 Subject to clause 13.1, We shall not be liable for any loss 

or damage of any direct or indirect nature caused by 

changes in revenue law or practice as determined by HM 

Revenue & Customs from time to time. 

13.5 Nothing in clauses 13.1 to 13.4 shall limit any liability We 

may have to You under the terms of the Applicable Rules. 

13.6 No responsibility is accepted for loss of an indirect or 

consequential nature such as loss of goodwill, profit 

or opportunity. 

13.7 Nothing in this Agreement shall exclude or limit Our 

liability for fraud or fraudulent misrepresentation by Us or 

Our Affiliates or for death or personal injury. 

14. Withdrawals 

14.1 Any request for withdrawal of money or investments 

from Your Portfolio (including regular withdrawals and 

facilitation of ongoing adviser charges) must be made in 

writing. Subject to availability of readily realisable funds, 

We will realise the cash sum required and pay the net sale 

proceeds over to You upon receipt of such proceeds by 

Us into Your nominated bank account. If We are required 

to effect a share buy back to generate realisable funds 

to enable a withdrawal request, or if there are a 

substantial number of withdrawal requests, there 

may be a considerable delay in paying out on the 

withdrawal request. 

14.2 We may deduct from funds payable to You (or at your 

direction) any fees, charges or sums due or payable to Us 

or any affiliates or any delegates. 

14.3 In exceptional circumstances such as a change in law or 

practice We may choose to satisfy withdrawal requests 

(including on termination) wholly or partly by the transfer 

of investments. 

15. Amendments 

We may amend the terms of this Agreement or Our 

arrangements with You by sending You written notice. 

Such changes shall take effect on the date specified in 

the notice being not less than 10 Business Days from the 

date of such notice unless the changes are for legal or 

regulatory reasons when such changes shall take effect 

on the date specified in the notice. 

16. termination 

16.1 You may terminate at any time by notice in writing to 

Us. Foresight may terminate this Agreement by giving 

You 30 days written notice. Where required to do so 

by applicable law or regulation or where it becomes 

impossible, impractical or unreasonable for Us to 

continue to manage Your Portfolio We may terminate this 

Agreement immediately by notice in writing. Termination 

will not affect accrued rights or any contractual provision 

intended to survive termination, in particular in relation to 

the liquidation and/or distribution of Your Portfolio. 

16.2 Following termination We will liquidate the investments in 

Your portfolio in an orderly fashion. The net proceeds of 

sale will be remitted to You after all deductions permitted 

by this Agreement. 


16.3 We reserve the right to settle outstanding transactions for 

Your Portfolio at the effective date of termination. 

16.4 Where We are required to liquidate Your Portfolio, this 

may take place over an extended period of time as there 

may be limited liquidity for Your Portfolio’s investments. 

16.5 Subject to clause 16.3, termination will take effect on the 

date stated in the written notice of termination provided 

that date is no earlier than the date of receipt of the 

termination notice by Foresight or any later date agreed 

with You; and shall be without prejudice to the completion 

of transactions already initiated, which shall be completed 

in an orderly manner. 

16.6 On termination, You will be liable to pay (meaning that We 

may debit from Your Portfolio and/or any cash payable to 

you or, if there are insufficient funds, invoice You): 

16.6.1 all fees and other charges mentioned at clause 6, accrued 

and remaining outstanding at the date of termination; 

16.6.2 any additional expenses necessarily incurred by Us 

in terminating this Agreement and winding up Your 

Portfolio; and 

16.6.3 Our charges (if any) in connection with liquidating Your 

investments or transferring Your investments into 

Your name. 

16.7 On termination, We may retain and/or realise such 

investments as may be required to settle transactions 

already initiated and to pay Your outstanding liabilities. 

If there is a dispute as to the payment of fees to Us, 

You may require the disputed amount to be held in an 

escrow account pending resolution of the dispute. 

16.8 Please note that if Qualifying Investments are sold 

You will lose any potential entitlement to BPR unless 

the sale proceeds are re-invested into other relevant 

business property and HM Revenue & Customs accepts 

that the new Qualifying Investments have replaced 

the old Qualifying Investments within the meaning of 

section 107 Inheritance Tax Act 1984. 

16.9 We will endeavour to liquidate all investments 

comprising Your Portfolio within a reasonable time, 

but given the nature of the investments no liability is 

accepted in respect of any delays. You acknowledge that 

in the event of any material change to the legislation 

governing Qualifying Investments, the liquidation of 

investments may take a considerable period of time. 

16.10 We will provide You with a closing valuation of the 

Portfolio prepared in the manner described above once 

all outstanding transactions have been accounted for 

and from which point Our management responsibility 

for the Portfolio will cease entirely. 

17. Data Protection 

17.1 We are registered under the Data Protection Act 1998 

and the Data Protection (Bailiwick of Guernsey) Law 

2001, and as such may keep records in which Your name 

and certain personal information will be stored. Certain 

information may be shared with Affiliates and/or the 

Custodian and/or the Approved Bank in connection 

with the Foresight ITS or for administrative reasons.

We may also share some or all of Your information 

with regulatory bodies if We are required to do so 

in accordance with Applicable Rules, and with other 

governmental, judicial, law enforcement bodies if 

required to do so. 

You consent to Us keeping You informed by mail or 

telephone of other services and products which We 

and Our Affiliates may from time to time consider of 

interest to You. 

17.2 You have the right, upon payment of a reasonable fee, 

to receive a copy of the information that Foresight holds 

about You to the extent that it constitutes personal 

information. For more details, please write to the 

Compliance Officer. 

18. Risk Warnings and Further Disclosures 

18.1 Your attention is drawn to the risk warnings set out in 

the Investor Guide. 

18.2 The value of investments and the income derived from 

them may go down as well as up and You may not get 

back some or the entire amount invested. Due to the 

nature of tax reliefs available under Foresight ITS, an 

investment in Foresight ITS is not suitable as a short term 

investment and should be held for at least two years. 

18.3 No monies shall be borrowed nor securities (or similar 

transactions) granted or entered into for the account of 

Your Portfolio. 

18.4 Subject to clause 16.6, there is no requirement for 

additional monies to be called upon for addition to 

Your Portfolio. 

18.5 No investments in warrants, in units in collective 

investment schemes or in derivatives of any sort shall 

be made in any Portfolio. 

19. Complaints Procedure and Compensation 

19.1 If You have a complaint, You can contact Us via 

phone, email or in writing. We will investigate the 

circumstances and report back to You. A copy of Our 

complaints handling procedure is available on request. 

19.2 Foresight Group LLP, which has published the 

Investor Guide, is covered by the Financial Services 

Compensation Scheme. Foresight, which is Your 

investment manager, is not covered. 

20. general 

20.1 We may assign the benefit of this Agreement to any 

appropriately authorised and regulated person, such 

assignment being effective upon written notice to You. 

This Agreement is personal to You and You may not 

assign it. 

20.2 This Agreement constitutes the entire agreement 

between Us in respect of Your Portfolio and the 

Foresight ITS and supercedes any other or previous 

terms and conditions. Save as provided in clause 15. Any 

amendment to this Agreement shall be effective only if 

made in writing and agreed by both parties. 


20.3 It is not intended that any term contained in this 

Agreement shall be enforceable, whether by virtue 

of the Contracts (Rights of Third Parties) Act 1999, 

common law or otherwise, by any person who is not 

a party to this Agreement save that any Affiliate shall 

have the benefit of any provision of this Agreement 

expressed to be for the benefit of Affiliates. 

20.4 If any part of the wording of this Agreement shall 

become or is declared to be illegal, invalid or 

unenforceable for any reason, such part or wording 

shall be deleted and shall be divisible from the rest of 

the Agreement, which will continue in force. 

20.5 The failure of Foresight or its Affiliates to exercise or 

delay in exercising a right or remedy provided by this 

Agreement or by law does not constitute a waiver of the 

right or remedy or a waiver of other rights or remedies. 

20.6 Any notice under or relating to this Agreement shall be 

in writing. We may send any communication to You at 

the address which You provide to Us in the Application 

Form (or to any provided postal address or email 

address). You must communicate with Us at Foresight 

Group CI Ltd., PO Box 156, La Plaiderie House, La 

Plaiderie, St Peter Port, Guernsey, GY1 4EU. Notice 

sent by first class post to such address is deemed to 

have arrived on the second Business Day after posting. 

Notice sent by fax or email or hand-delivered is deemed 

to be delivered immediately (or on the next Business 

Day if sent after 5pm on a Business Day or on a non- 

Business Day). Our telephone number is 01732 471800. 

Telephone calls may be recorded or monitored for Our 

mutual protection. 

20.7 This Agreement shall be governed by and construed 

in all respects in accordance with English law and You 

hereby submit to the exclusive jurisdiction of the English 

Courts in relation to any disputes arising out of or in 

connection with this Agreement. 

20.8 This Customer Agreement is supplied in English, and We 

will only be required to communicate in English during 

the course of our relationship with You. 

20.9 Where You comprise more than one person at any time 

We may rely upon any notice from any one of such 

persons on behalf of You and any waiver or agreement 

with any one of such persons shall be binding upon You. 


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Application Procedures 

Foresight Inheritance Tax Solution 

Section 1 

Please insert your full name(s), permanent address, daytime and 

evening telephone numbers, date(s) of birth, National Insurance 

number(s) and email address(es). 

Section 2 

Please indicate how you would like us to communicate with you. 

If you do not indicate a preference We may use email or post. 

Section 3 

Please note that the minimum investment is £25,000. Attach 

your cheque or bankers’ draft to the Application Form for the 

total amount of your investment. Alternatively, you can make 

your investment via bank transfer. 

Please make cheques payable to FSG CI LTD re FIHT Client 

Account and crossed ‘A/C Payee only’. Cheques must be from 

a recognised UK Bank or Building Society account and your 

payment must relate solely to this application. 

Bank transfers should be paid to: 

Sort code: 60 - 91 - 65 A/c no: 10503793 

A/c Name: FSG CI LTD re FIHT Client Account 

Bank: ABN AMRO (Guernsey) Limited 

SWIFT: MEESGGSPxxx 

IBAN: GB50MEES60916550379301 

Please reference bank transfers with your surname 

and initials. 

Section 4 

Please confirm whether you would like to draw down a fixed 

percentage of your initial investment every year as income or 

retain returns within the investment (growth option). 

Section 5 

If you are acting as Power of Attorney (POA), please include 

a certified copy of the Power of Attorney document and 

verification of identity documents for each POA with this 

application, and indicate where correspondence should be sent. 

Section 6 (Section 5 for Trustees) 

Complete section 6 with details of any charges that you have 

agreed with your authorised financial adviser and that you wish 

Foresight to facilitate. 

Section 7 (Section 6 for Trustees) 

Read the declaration, sign and date the Application Form and 

attach the verification documents as set out in the checklist below. 

Please send your completed Application Form, together with your 

cheque or bankers’ draft to Foresight Group CI Limited, PO Box 

156, La Plaiderie House, La Plaiderie, St Peter Port, Guernsey, 

GY1 4EU. If you have any questions on how to complete the 

Application Form please contact Foresight on 01732 471800. 

IFA Certificate 

Financial Advisers authorised by the FSA must complete the IFA 

Certificate. 


Who can apply 

You can only apply if your financial adviser has certified that 

participation in the Foresight ITS meets your objectives, you 

have the expertise, experience and knowledge to understand 

the risks and that you are able to bear the associated risk 

involved in participating in Foresight ITS 

Financial Advice, Assessment and Customer Due 

Diligence Procedures 

You must arrange for a financial adviser authorised by the 

Financial Services Authority to carry out 

(i) an assessment that you are capable of making your own 

investment decisions and understand the risks involved in 

participation in the Foresight ITS and 

(ii) the customer due diligence procedures required by 

the Money Laundering Regulations 2007 within the 

guidance for the UK Financial Sector issued by the Joint 

Money Laundering Steering Group or the Criminal Justice 

(Proceeds of Crime) (Financial Services Businesses ) 

(Bailiwick of Guernsey) Regulations. 

Application Checklist 

Please make sure that: 

– All parts of the Application Form are complete 

– The Application Form is signed and dated 

– The IFA Certificate is signed and dated 

– Payment has been arranged or a cheque/bankers draft 

attached to the Application Form 

– If acting as a POA, a certified copy of the POA is attached 

– All of the above is sent to: Foresight Group CI Limited, 

PO Box 156, La Plaiderie House, La Plaiderie, 

St Peter Port, Guernsey, GY1 4EU 

Certification Guidelines 

By “CERTIFIED COPIES” we mean that the copy documents 

requested must be certified by a person such as a solicitor/ 

notary public/accountant/banker/local police officer or other 

professional person. Documents cannot be certified by the 

Applicant. The person certifying the copy document must 

(i) mark the copy document as “a true and exact copy of the 

original, which I have seen” and 

(ii) where the document concerned contains a photo as proof of 

identity, confirm that “the photograph is a true likeness of the 

person named in the document”, and 

(iii) sign and date the copy document, stating in what capacity 

they are acting. 

Applications not accepted 

If any application is not accepted, the amount paid on 

application will be returned to the applicant, without interest, 

and less any charges incurred in returning such monies. 

Foresight reserves the right to obtain additional information either at the point of the application or during the lifetime of 

the investment in order to comply with The Criminal Justice (Proceeds of Crime) (Financial Services Businesses) (Bailiwick of 

Guernsey) Regulations and amendments thereto.

Application Form - Individuals 


Before completing this form please read the Investor Guide marked ‘March 2013’, and the Customer 

Agreement & Application Form. For queries, please call 01732 471812 

SECTION 1 PERSONAL DETAILS 

Applicant 1. 

Title Mr/Mrs/Miss/Dr/Other: Date of Birth: 

Forenames: National Insurance No: 

Surname: Email: 

Applicant 2. (For joint applications only) 

Title Mr/Mrs/Miss/Dr/Other: Date of Birth: 

Forenames: National Insurance No: 

Surname: Email: 

Address: Tel No (Day): 

SECTION 2 INVESTOR SERVICES (PLEASE TICK) 

How would you like to be updated about your investment? q Email or q Post 

SECTION 3 YOUR INVESTMENT 

Investment Amount (minimum £25,000) £ 

q I/we enclose a cheque or bankers’ draft drawn on a UK clearing bank or building society, made payable to ‘FSG CI LTD re FIHT 

Client Account’, or 

q I/we have transferred the above funds via BACS/CHAPS into the Foresight ITS bank account referenced with my name. 

SECTION 4 REGULAR WITHDRAWALS (AVAILABLE AFTER 12 MONTHS) 

q I/we would like the returns to remain within the investment (growth option) or 

q I/we would like to make cash withdrawals of % of the amount invested by me/us each year 

I/we would like cash withdrawals paid: q Monthly q Quarterly q Semi Annual q Annual 

Please nominate a bank account where you would like this to be paid. 

Account Name: Bank/Building Society: 

Address: 

Tel No (Evening): 

Post Code: q I am/we are existing investor(s) with Foresight Group 

Post Code: 

Sort Code: – – Account Number

SECTION 7 

Application Form 


SECTION 5 POWERS OF ATTORNEY (POA) 

For Powers of Attorney (POA) please send correspondence to: q Investor q POA q Both Investor and POA 

Please note, if you are acting as POA, please include a certified copy of the Power of Attorney document. Please note, 

Foresight will need to verify the identity of all POAs who sign this form for money laundering purposes and may run 

credit checks to do so. 

Please insert address of POA: 

SECTION 6 

Details of agreed adviser charges to be facilitated 

Amount of upfront charges Amount of ongoing charges No of years ongoing charges are payable 

Fixed Amount £ Fixed Amount £ Yrs 

Percentage % Percentage % Yrs 

If you request us to facilitate charges on a percentage basis, any initial charges will be calculated as a percentage of the 

monies You invest in the Foresight ITS and ongoing charges will be calculated as a percentage of the value of Your Portfolio 

for the time being. 

If this form is completed and signed by the investor named in Section 1: 

i. I/we confirm I/we wish to invest the amount shown in box v. I/we confirm I am/we are applying on my/our own behalf; 

3 in the Foresight ITS: 

vi. I/we request that Foresight makes facilitation payments 

ii. I/we confirm I/we have read and understood the Investor 

Guide marked ‘March 2013’ on the front cover and the 

risk factors set out in it; 

in respect of the charges set out in section 6 above, 

as detailed in the Investor Guide and this Customer 

Agreement, to the IFA identified in the IFA Certificate 

accompanying this Application Form. 

iii. I/we confirm I/we have read and understood the Customer 

Agreement and agree to be bound by the terms & 

conditions set out within it; 

iv. I/we confirm I/we have read and understood the 

investment objectives of Foresight ITS; 

Signature of Applicant 1. Date 

Signature of Applicant 2. Date 

Post Code: 

In the case of a POA by signing this form on behalf of the 

individual(s) whose details are shown above, I/we make a 

declaration (on behalf of such individual) on the terms of 

sub-paragraphs i. to vi. above. 

Please send the completed Application Form, together with your cheque or bankers’ draft to Foresight Group CI Limited. 

PO Box 156, La Plaiderie House, La Plaiderie, St Peter Port, Guernsey, GY1 4EU 

Data protection : 

Foresight Group CI Limited or its subsidiaries or such other members of the Foresight Group who have been appointed or 

delegated to provide services in relation to Foresight ITS will use the information you give for administration, research and 

statistical purposes. Information provided by you will be held in confidence by Foresight Group CI Limited or its subsidiaries and 

will not be passed on to other product or service companies. Your details may be used by Foresight Group CI Limited 

or its subsidiaries to send you information on other products and services. If you would prefer not to receive such information, 

please tick this box. q

Application Form - Trustees 


Before completing this form please read the Investor Guide marked ‘March 2013’, and the Customer Agreement & 

Application Form. For queries, please call 01732 471812 

SECTION 1 IF THE APPLICATION IS BY A TRUST, PLEASE PROVIDE THE FOLLOWING INFORMATION 

Full Name: Country of establishment: 

Nature and purpose of the trust (e.g. discretionary, testamentary, bare): 

Names of all trustees: 

Name and address of any protector or controller: 

SECTION 2 INVESTOR SERVICES (PLEASE TICK) 

How would you like to be updated about your investment? q Email or q Post 

SECTION 3 YOUR INVESTMENT 

Investment Amount (minimum £25,000) £ 

q I enclose a cheque or bankers’ draft drawn on a UK clearing bank or building society, made payable to ‘FSG CI LTD re FIHT 

Client Account’, or 

q I have transferred the above funds via BACS/CHAPS into the Foresight ITS bank account referenced with my name. 

SECTION 4 REGULAR WITHDRAWALS (AVAILABLE AFTER 12 MONTHS) 

q I would like the returns to remain within the investment (growth option) or 

q I would like to draw down cash withdrawals of % of the amount invested by us each year 

I would like cash withdrawals paid: q Monthly q Quarterly q Semi Annual q Annual 

Please nominate a bank account where you would like this to be paid. 


Address: 

Post Code: 

If the trustees are regulated in the UK, please state the name of the regulator: (Otherwise please provide a Certified Copy of the trust deed) 

Signature: 

Post Code: 

Sort Code: – – Account Number

SECTION 5 

SECTION 6 

Application Form 


Details of agreed adviser charges to be facilitated 

Amount of upfront charges Amount of ongoing charges No of years ongoing charges are payable 

Fixed Amount £ Fixed Amount £ Yrs 

Percentage % Percentage % Yrs 

If you request us to facilitate charges on a percentage basis, any initial charges will be calculated as a percentage of the 

monies You invest in the Foresight ITS and ongoing charges will be calculated as a percentage of the value of Your Portfolio 

for the time being. 

If this form is completed and signed by the investor named in Section 1: 

i. I confirm I wish to invest the amount shown in box 3 in v. I confirm I am applying on my own behalf; 

the Foresight ITS: 

vi. I request that Foresight makes facilitation payments 

ii. I confirm I have read and understood the Investor Guide 

marked ‘March 2013’ on the front cover and the risk 

factors set out in it; 

in respect of the charges set out in section 5 above, 

as detailed in the Investor Guide and this Customer 

Agreement, to the IFA identified in the IFA Certificate 

accompanying this Application Form. 

iii. I confirm I have read and understood the Customer 

Agreement and agree to be bound by the terms & 

conditions set out within it; 

iv. I confirm I have read and understood the investment 

objectives of Foresight ITS; 

Signature(s) of trustee(s) Date 

In the case of a POA by signing this form on behalf of 

the individual(s) whose details are shown above, I make a 

declaration (on behalf of such individual) on the terms of 

sub-paragraphs i. to vi. above. 

Please send the completed Application Form, together with your cheque or bankers’ draft to Foresight Group CI Limited. 

PO Box 156, La Plaiderie House, La Plaiderie, St Peter Port, Guernsey, GY1 4EU 

Data protection : 

Foresight Group CI Limited or its subsidiaries or such other members of the Foresight Group who have been appointed or 

delegated to provide services in relation to Foresight ITS will use the information you give for administration, research and 

statistical purposes. Information provided by you will be held in confidence by Foresight Group CI Limited or its subsidiaries and 

will not be passed on to other product or service companies. Your details may be used by Foresight Group CI Limited 

or its subsidiaries to send you information on other products and services. If you would prefer not to receive such information, 

please tick this box. q

Application Form - IFA Certificate 


TO BE COMPLETED BY YOUR FINANCIAL ADVISER 

WE CERTIFY TO FORESIGHT GROUP CI LIMITED IN THE TERMS OF PARAGRAPHS 1 TO 4 BELOW IN 

RELATION TO THE APPLICANT(S) SET OUT IN THE ATTACHED APPLICATION FORM (“INVESTOR”): 

1. We have undertaken an adequate assessment of the Investor’s expertise, experience and knowledge and certify that, in the 

light of the nature of the transactions or services envisaged, that an investment in the Foresight ITS is suitable for them. 

2. We have applied customer due diligence measures on a risk-sensitive basis in respect of the Investor to the standard 

required by The Money Laundering Regulations 2007 within the guidance for the UK Financial Sector issued by the Joint 

Money Laundering Steering Group or by the Criminal Justice (Proceeds of Crime) (Financial Services Businesses) (Bailiwick 

of Guernsey) Regulations and we certify that we have: 

(a) identified and verified the identity of the Investor on the basis of documents, data and information obtained from a 

reliable and independent source; 

(b) we have obtained information on the Investor’s occupation and the source of funds to be used for the Investor’s 

proposed investment in the Foresight ITS; 

(c) identified, where there is a beneficial owner who is not the Investor, the beneficial owner and have taken adequate 

measures, on the basis of documents, data and information obtained from a reliable and independent source, to verify his 

identity so that we know who the beneficial owner is, including, in the case of a legal person, trust or similar arrangement, 

measures to understand the ownership and control structure of the person, trust or arrangement and the identity of the 

beneficial owner and details of the ownership and control structure are set out in the Schedule hereto; and 

(d) obtained information on the purpose and intended nature of the Investor’s proposed investment in the Foresight ITS, as 

the case may be, which information is set out in the Schedule hereto. 

3. We understand that the Receiving Agent has obligations under the Criminal Justice (Proceeds of Crime) (Financial Services 

Businesses) (Bailiwick of Guernsey) Regulations, and will cooperate with the Receiving Agent in the event of a request 

for copies of the due diligence materials we hold in respect of the Investor, and that we will provide the same within two 

business days of a request (see notes below). We acknowledge and agree that such request may cause us to request 

additional information from the Investor, and that the Receiving Agent reserves the right to contact the Investor directly 

in the event that all information is not provided within the above timeframe. We confirm that both we and the Investor 

are aware of and understand that failure to provide the information requested may cause the Receiving Agent to reject 

the application. 

4. At any time during the life of the Investor’s investment in the Foresight ITS, we will advise the Receiving Agent immediately 

should our relationship with the Investor terminate. We will promptly notify Foresight if we advise the Investor in relation to 

a Retail Investment Product or we otherwise cease to be entitled to receive ongoing adviser charges facilitated by Foresight 

and Foresight shall be entitled to cease to facilitate adviser charges to us. 

Notes: 

1. The Receiving Agent’s obligation under the Criminal Justice (Proceeds of Crime) (Financial Services Businesses) (Bailiwick 

of Guernsey) Regulations extends from the point of receipt of an application to through to the point that participation in 

the Fund is terminated. It must be noted that one or more requests for due diligence information may be made at any time 

during that period. 

2. In the event the Receiving Agent requests information from an IFA in respect of an Investor, such request will be made in 

accordance with the Criminal Justice (Proceeds of Crime) (Financial Services Businesses) (Bailiwick of Guernsey) Regulations 

(and any amendment made thereto). Where the information obtained by an IFA in compliance with The Money Laundering 

Regulations 2007 within the guidance for the UK Financial Sector issued by the Joint Money Laundering Steering Group is 

insufficient to meet the needs of the Receiving Agent, the IFA will be required to obtain the additional information.

Application Form - IFA Certificate 


Email: 

WE CONSENT TO FORESIGHT GROUP CI LIMITED RELYING ON THIS CERTIFICATE 

Firm Name: Contact Name: 

Address: 

Telephone: Fax: 

Email: 

Signature: Date: 

PLEASE COMPLETE: 

We have applied customer due diligence measures on a risk-sensitive basis in respect of the Investor to the standard required 

by The Money Laundering Regulations 2007 within the guidance for the UK Financial Sector issued by the Joint Money 

Laundering Steering Group or by the Criminal Justice (Proceeds of Crime) (Financial Services Businesses) (Bailiwick of 

Guernsey) Regulations and we certify that we have identified that the beneficial owner is: 

and (in the case of a legal person, trust or similar arrangement), the ownership and control structure of the person, trust or 

arrangement is: 

The purpose of the investment is: 

SPECIAL INSTRUCTIONS / NOTES: 

Post Code: 

Please provide details of your bank account so that any agreed adviser charges facilitated by Foresight can be paid to you 

via BACS 


Sort Code: – – Account Number 

By submitting this application form: 

i. I agree that I have read and understood the Foresight 

Group Terms of Business for Authorised Financial 

Intermediaries and that I agree to be bound by such 

Terms of Business 

ii. To the extent I am an Appointed Representative, 

I warrant and represent that my principal has also 

accepted the Foresight Group Terms of Business for 

Authorised Financial Intermediaries

Definitions 

In the Customer Agreement and the Application Form and Application 

Procedures the following defined words and phrases are used: 

“Affiliate” Any body corporate or entity directly or indirectly controlled by Foresight and any member or 

director thereof; 

“Agreement” The Customer Agreement and the Application Form completed by You and any relevant sections 

of the Foresight ITS Investor Guide as mentioned in the body of this Customer Agreement; 

“Applicable Rules” The Licensees (Conduct of Business) Rules 2009 as issued by the Guernsey Financial 

Services Commission; 

“Application Form” The Application Form approved by Foresight as an application form for the Foresight ITS; 

“Approved Bank” ABN AMRO (Guernsey) Limited, or such other bank appointed by Us to hold client money in 

accordance with the Applicable Rules; 

“BPR” Business Property Relief within the meaning of section 105 of the Inheritance Tax Act 1984; 

“Business Day” Any day (other than a Saturday or Sunday) on which banks in London and Guernsey are open 

for business; 

“Customer Agreement” The Foresight ITS Customer Agreement in the form in force at the time that You enter into an 

Agreement with Us; 

“Custodian” Any entity (which may be an Affiliate or a third party), whom we appoint to carry out safe 

custody services in relation to investments in Your Portfolio; 

“Foresight”, “Us”, Foresight Group CI Limited, a company registered in Guernsey under company number 51471 

“We” or “our” and licensed to carry out controlled investment business by the Guernsey Financial Services 

Commission, with its registered office at La Plaiderie House, La Plaiderie, St Peter Port, 

Guernsey GY1 1WF; 

“Foresight group” Foresight and its Affiliates for the time being; 

“Foresight ItS” The Foresight Inheritance Tax Solution, as described in the Investor Guide; 

“Iht” Inheritance Tax 

”Investor guide” The Foresight ITS investor guide published by Foresight Group LLP on behalf of Foresight and in 

force at the time that You enter into an Agreement with Us; 

“Money Laundering Regulations” The Criminal Justice (Proceeds of Crime) (Financial Services Businesses) (Bailiwick of Guernsey) 

Regulations, 2007 and the Handbook for Financial Services Businesses on Countering Financial 

Crime and Terrorist Financing issued from time to time by the Guernsey Financial Services 

Commission and all similar statutes, laws, rules or regulations in Guernsey and in any other 

jurisdiction; 

“Portfolio” Your portfolio of investments (including any uninvested cash) within the Foresight ITS which are 

managed in accordance with the investment policy as described in the Investor Guide; 

“Qualifying Investment” Shares which qualify as relevant business property for the purposes of section 105 of the 

Inheritance Tax Act 1984; and 

“You or Your” References to ‘You’, ‘Your’ shall be in respect of You, the investor, or Your executors, 

if applicable. 

References to statutes, Applicable Rules and any other rules or regulations shall be taken to 

include any amendment re-enactment or regulations made thereunder for the time being. 

FoReSIght INHERITANCE TAx SOLUTIONS 

12

IMPORTANT INFORMATION 

Your attention is drawn to the risk factors set out on page 10 of the accompanying Investor Guide dated March 2013. The service 

illustrated within this promotion is provided by Foresight Group CI Limited, a Guernsey based entity. Should you decide to proceed, 

your agreement and any provision of services will be between you and Foresight Group CI Limited. Nothing in this document should 

be regarded as constituting legal, taxation, investment or other advice and prospective investors are advised to consult their own 

professional advisers before contemplating any investment. Any decision to invest in this product should be made on the basis 

of the information contained in this guide. For further information on our terms of business, please see the Customer Agreement. 

Any reference to tax laws or levels in this document is subject to change. Past performance is not a guide to future performance and may 

not be repeated. The value of shares can go down as well as up and you may not get back the full amount invested. You should consider 

an investment in this product as a long term investment. This document does not constitute and may not be used for the purposes 

of an offer or invitation to any person in any jurisdiction outside the United Kingdom. This document and the information contained 

in it are not for publication or distribution to persons outside the United Kingdom. This promotion does not constitute a public offering 

in the UK. Foresight has taken all reasonable care to ensure that all the facts stated in this document are true and accurate in 

all material respects and that there are no other material facts or opinions which have been omitted where the omission of such would 

render this document misleading. The information in this document was produced in March 2013 and may not be current. 

Foresight group 

Foresight Group CI Ltd. 

La Plaiderie House, 

La Plaiderie, 

St Peter Port, 

Guernsey, GY1 1WF 

www.foresightgroup.eu 

This publication is printed on paper sourced from certified sustainable forests. 

Designed and produced by Fat Media.

Customer Agreement and Application Form - Foresight Group

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