Estate Planning CA

Customer Agreement
‘Estate Planning Service’
comprising:
Initial advice and related transactions
Forwarding and monitoring
Annual review
Six monthly portfolio rebalancing
Three monthly portfolio valuations
Fixed initial fee and ongoing fee
Bereavement support
This proposition is suitable for customers requiring estate planning advice relating to
immediate gifting or maximising the value of the estate passed on death to
beneficiaries.
The advice given within the proposition seeks firstly to establish adequate income and
capital for the client, including provision for long term care, before identifying any
surplus that may be used either to provide immediate gifts or for passing assets into
trust for the purposes of reducing exposure to inheritance tax.
The proposition charge for initial services is based on an estimate of the total value of
the customer’s current estate and beneficial entitlements. Where this differs from the
subsequent accurate assessment, the customer may withdraw from the agreement
without further charge.
The proposition includes a bereavement service providing close support to executors
following the death of the client.
Where available, customers have the option to pay directly as well as have the cost of
services deducted from the value of financial products by the product provider
Page 1 of 18 LFM Customer Agreement – Estate Planning Proposition 7/8/2021

1. Reference
1.1. The following reference is assigned to this agreement and should be used in conjunction with
any communications regarding the services to be provided:
2. Parties to this agreement
2.1. This agreement is made between Leabold Financial Management Ltd (referred to variously
in this agreement as ‘the Company’, ‘we’, ‘us’, ‘our’) and the following (referred to in this
document as ‘the Client(s)’, ‘you’, ‘your’):
3. Primary Contact
3.1. The Company will deal with the following individual as the Primary Contact and classify its
dealings with the Clients(s) in accordance with that individual’s understanding and previous
experience of relevant financial matters:
4. Designated Adviser
4.1. The Company has designated the following individual to act in this capacity:
4.2. FCA regulations require the Adviser to hold an approved qualification and statement of
professional standing.
4.2.1. The relevant qualifications held by the Adviser are:
Qualification Awarding Body Date Awarded
Page 2 of 18 LFM Customer Agreement – Estate Planning Proposition 7/8/2021

5. Client Classification
5.1. The Company will classify the Client(s) depending on the provision of the following services:
5.1.1. In the case of ‘investment mediation’, this will be a ‘retail customer’. This
means ‘a client who is not a professional client or an eligible counterparty’.
5.1.2. In the case of ‘insurance mediation, this will be a ‘consumer’. This means ‘any
natural person who is acting for purposes which are outside his trade or profession’.
5.2. As either a ‘retail customer’, or ‘consumer’, the Client(s) may have recourse to the
Financial Ombudsman Service in the event of a dispute with the Company reaching deadlock
and may receive protection from the Financial Services Compensation Scheme should the
Company be unable to cover losses arising from its own negligent acts. A customer defined
as either ‘professional’, or ‘commercial’, would not receive these protections.
5.3. If the Client(s) believes they should not be classified as a ‘retail customer’, or ‘consumer’,
they will inform the Company immediately.
6. The Company’s status
6.1. The Company is registered in England and Wales under Companies House number
05173817.
6.2. The Company is a wholly owned subsidiary of Leabold Financial Management Holdings
Limited, which is registered in England and Wales under Companies House number
08296996.
6.3. The Company is directly authorised by the United Kingdom financial services regulator,
the Financial Conduct Authority (FCA), to undertake activities regulated under the Financial
Services and Markets Act 2000. This means the Company holds authorisation directly with
the FCA as opposed to being an appointed representative of another directly authorised firm.
6.4. The relevant activities that the Company has been authorised to undertake by FCA include:
6.4.1. Advising on investments, investment insurance and pure protection products.
6.4.2. Bringing about deals in investments, investment insurance and pure protection
products.
6.4.3. Making arrangements with a view to transactions in investments, investment insurance
and pure protection products.
6.4.4. Assisting in the administration and performance of a contract of investment insurance
and pure protection products.
6.5. Details of the Company’s FCA authorisation can be found on https://register.fca.org.uk/
under the Firm Reference Number 402291.
6.6. The Company provides ‘independent advice’. This means that, when advising customers, it
must ‘assess a sufficient range of relevant products available on the market which must be
sufficiently diverse with regard to their type; and issuers or product providers to ensure that
Page 3 of 18 LFM Customer Agreement – Estate Planning Proposition 7/8/2021

the client’s investment objectives can be suitably met; and not be limited to relevant products
issued or provided by the firm itself or by entities having close links with the firm; or other
entities with which the firm has such close legal or economic relationships, including
contractual relationships, as to present a risk of impairing the independent basis of the advice
provided.’
7. Commencement and termination of this agreement
7.1. This agreement is effective once signed by the Client(s) and a Director of the Company.
7.2. The Company may terminate this agreement at any time, and without penalty, subject to
giving written notice to the Client(s).
7.3. The Client(s) may terminate this agreement at any time, and without penalty, subject to giving
written notice to the Company and payment of any outstanding fees.
7.4. The Company reserves the right to change the terms of this agreement on thirty days written
notice to the Client(s)
8. Instructing
8.1. At the Company’s discretion, it may accept verbal instructions from the Client(s). However,
the Company reserves the right to insist such instructions be provided in writing (which shall
include facsimile and internet transmission) in order to avoid possible disputes.
9. Communicating
9.1. The Client(s) agree to receiving communications from the Company via the following:
Client to initial the relevant boxes
I agree
I do not
agree
The Company may send postal communications to the following
address:
I agree
I do not
agree
The Company may send electronic communications to the following
email addresses:
I agree
I do not
agree
The Company may make direct contact on the following telephone
numbers:
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9.2. The Client(s) prefer to receive formal communications from the Company via:
Client to initial the relevant boxes
I prefer
I do not
prefer
Receiving electronic communication via email
Receiving paper communication via post
9.3. The Client(s) agree to receiving the following unsolicited communications:
10. Client to initial the relevant boxes:
I agree
I do not
agree
The Company’s periodic newsletter
Making the Client(s) aware of other relevant services.
Inviting the Client(s) to events.
11. Personal information
11.1. The Company is registered with the Information Commissioner’s Office (ICO) to hold
and process personal information. Details of the Company’s ICO registration can be found
on https://ico.org.uk/ESDWebPages/Search under reference Z8721312.
11.2. The Company will collect personal information from the Client(s) and relevant third
parties for the purposes of providing the services set out in this agreement.
11.3. Where the Company needs to obtain personal information from a third party, the
Company will obtain the Client(s) express consent before doing so.
11.4. The Company will not use the information for the purpose of unsolicited marketing
unless the Client(s) has expressly consented to this.
11.5. The Company will not release the information to any other source for the purposes of
unsolicited marketing.
11.6. The Company will share personal information with other financial product providers
only where necessary for the purposes of providing the services set out in this agreement.
11.7. The Company will make reasonable endeavours to keep up to date any personal
information it holds regarding the Client(s) during the period this agreement is in force.
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11.8. The Company will continue to hold personal information after this agreement has
terminated in order to comply with FCA regulations or as long as necessary to reasonably
indemnify the Company against the risk of claims.
12. Access to records
12.1. The Client(s) may inspect copies of contract notes, vouchers and entries in our records
relating to transactions undertaken on their behalf, provided that reasonable notice is given,
and such access does not affect the confidentiality of other clients.
12.2. On request by the Client(s), the Company will provide details of any personal data it
holds regarding the Client(s) in accordance with the requirements of the Data Protection Act
2018.
12.3. The Company will use reasonable endeavours to comply with requests from or on
behalf of the Client for copies of documents and information not covered under data
protection regulations.
Please note - the Company reserves the right to levy a charge relative to the costs
involved in preparing and forwarding such information.
13. Registration of financial products
13.1. The Company will register any financial products arranged for the Client(s) in the
name of the Client(s).
13.2. The Company will forward to the Client(s) all title documents relating to financial
products as soon as practicable after receipt. Where a number of documents relating to a
series of transactions is involved, the Company will normally hold each document until the
series is complete and then forward them to the Client(s).
14. Conflicts of interest
14.1. Occasions can arise where the Company, or another client for whom it may be acting,
may have some form of interest in the business being transacted for the Client(s). If this
happens, or the Company become aware that its interests’ conflicts with those of the Client(s),
it will obtain written consent from the Client(s) before carrying out that transaction.
Conflicts disclosure:
14.2. Where the Client(s) have been introduced to the Company by a third party with whom
the Company has an agreement to cede part of any fees payable by the Client(s), the Company
will disclose the name of the third party and the amount of any ceding that will be paid. In
relation to the Client(s), the current status is:
Name of Introducer
Percentage or amount
of fees to be ceded
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15. Client money
15.1. The Company is not authorised by the FCA to hold or control client money. This
means that we cannot accept payments from the Client(s) where these are intended to be
passed on to third parties, or payments from third parties to be passed to the Client(s).
16. Services
16.1. The Company will use reasonable endeavours to provide the following services to the
Client(s):
16.1.1. Information collection:
16.1.1.1. The Company will obtain the following information from the Client(s) and
relevant third parties:
16.1.1.1.1. The nature and value of relevant investments, insurances, entitlements,
and other provisions established by or to which the Client(s) may have an
entitlement.
16.1.1.1.2. The nature of any legal arrangements made by the Client(s) for
distribution of their estate on death.
16.1.1.1.3. Existing power of attorney arrangements
16.1.1.1.4. The Client(s) relevant personal circumstances including health and
medical history.
16.1.1.1.5. The Client(s) relevant financial affairs, including assets, liabilities,
income, and expenditure.
16.1.1.1.6. The Client(s) relevant ethical, philosophical views, religious beliefs,
and political affiliations.
16.1.1.1.7. The Client(s) relevant future goals and objectives, including wishes for
distribution of their estate on death.
16.1.1.1.8. The Client(s) previous experience of relevant financial matters.
16.1.2. Research and assessment:
16.1.2.1. The Company will research and assess the following:
16.1.2.1.1. The Client(s) understanding of relevant financial matters.
16.1.2.1.2. The Client(s) psychological tolerance to investment risk.
16.1.2.1.3. The statistical mortality and morbidity of the Client(s).
16.1.2.1.4. Where the Client(s) are not yet in retirement:
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16.1.2.1.4.1. The extent to which the Client(s) can afford to make adequate
provision for retirement.
16.1.2.1.4.2. An estimate of the amount of capital and/or regular contribution
the Client(s) should set aside to fund the required level of retirement
income.
16.1.2.1.4.3. An estimate of the minimum age from which it may be possible
for the Client(s) to consider taking an adequate retirement income.
16.1.2.1.5. The level of retirement income required or likely to be required by the
Client(s).
16.1.2.1.6. The scheduling of income from different sources during retirement.
16.1.2.1.7. An estimate of the extent to which income from all sources may be
maintained throughout the Client(s) lifetime.
16.1.2.1.8. An estimate of the extent of any surplus assets that may be available
for immediate gifting or to be placed under trust without compromise to:
16.1.2.1.8.1.1. the level of retirement income likely to be required by the
Client(s) and.
16.1.2.1.8.1.2. The cost of later life care.
16.1.2.1.9. An estimate of the level of return to be targeted by the Client(s)
investments to provide and maintain the required level of retirement income
throughout the Client(s) lifetime.
16.1.2.1.10. The appropriate arrangement of asset types to provide the potential to
meet the targeted level of return.
16.1.2.1.11. The extent to which the value of the estate may be preserved or decay
prior over the Client(s) lifetime.
16.1.2.1.12. An estimate of the cost of insuring against any remaining liability to
inheritance tax on the client(s) estate.
16.1.2.1.13. The appropriate type of financial product or scheme through which the
Client(s) should
16.1.2.1.13.1. Fund the provision of retirement income.
16.1.2.1.13.2. Hold investments for eventual distribution to beneficiaries.
16.1.2.1.13.3. Insure against any remaining liability to inheritance tax on the
estate.
16.1.2.1.14. The appropriate options and features the Client(s) should select on any
recommended financial product.
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16.1.3. Advice
16.1.2.1.15. The appropriate product provider with whom relevant financial
product(s) should be arranged, taking account of:
16.1.2.1.15.1. The options and features required by the Client(s)
16.1.2.1.15.2. The cost of the product relative to that being charged by other
providers offering related products.
16.1.2.1.15.3. The investment performance of the product relative to that
achieved by other providers offering related products.
16.1.2.1.15.4. The financial strength of the product provider.
16.1.2.1.15.5. The servicing standards of the product provider.
16.1.2.1.16. The nomination of beneficiaries to receive the value of pension funds
and entitlements on the Client(s) death.
16.1.2.1.17. The use of wills, trusts and power of attorney arrangements.
16.1.2.1.18. An estimate of the extent of the initial and any improvement in the
exposure of the Client(s) estate to inheritance tax arising from advice.
16.1.3.1. The Company will:
16.1.3.1.1. Prepare and issue a written report to the Client(s) setting out:
16.1.3.1.1.1. The Company’s professional recommendations.
16.1.3.1.1.2. The rationale on which the Company’s recommendation is
based.
16.1.3.1.1.3. The initial cost and future costs arising from the Company’s
recommendations.
16.1.3.1.1.4. The risks to which the Client(s) may be exposed through
following, or not following the Company’s recommendations.
16.1.3.1.2. Following receipt and consideration by the Client(s) of the report, the
Company will:
16.1.3.1.2.1. Meet with the Client(s) or make such other arrangements as are
reasonable to allow the Client(s) to consider the Company’s professional
recommendations and reach an informed and objective decision on how
to proceed.
16.1.3.1.2.2. Determine the Client(s) instructions regarding the arrangement
of any necessary transactions.
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16.1.4. Transactions
16.1.4.1. Where the Client(s) wish to proceed with the Company’s recommendations, or
any reasonable modification, the Company will arrange for relevant transactions to
be carried out.
Please note - the Company reserves the right to decline to arrange any
transaction which it reasonably believes may expose the Client(s) to significant
and unwarranted risk.
16.1.5. Forwarding and monitoring
16.1.5.1. The Company will forward to the Client(s) all important communications
received from product providers in relation to relevant financial products
established by the Client(s).
16.1.5.2. The Company will monitor changes in relevant legislation and notify the
Client(s) in circumstances where these may affect the aims, objectives, attitude to
risk, or personal circumstances of the Client(s).
16.1.6. Periodic review
16.1.6.1. The Company will undertake annual reviews of the original advice covering
relevant changes in the following:
16.1.6.1.1. The Client(s) goals, objectives, and needs.
16.1.6.1.2. The Client(s) personal circumstances.
16.1.6.1.3. The Client(s) financial situation.
16.1.6.1.4. The continued suitability of relevant financial planning and investment
strategies undertaken by the Client(s)
16.1.6.1.5. The continued suitability of financial product types held by the
Client(s).
16.1.6.1.6. The continued suitability of providers with whom financial product
types have been established by the Client(s).
16.1.6.1.7. Relevant legislation and taxation matters.
16.1.6.2. Following the review, the Company will prepare and issue a report to the
Client(s) setting out the Company’s professional opinion regarding:
16.1.6.2.1. Those relevant areas of previous advice that should be updated.
16.1.6.2.2. The rationale on which the Company’s recommendation is based.
16.1.6.2.3. The charges paid by the Client to the Company and Product Provider
over the previous twelve months.
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16.1.6.2.4. The risks to which the Client(s) may be exposed through following, or
not following the Company’s recommendations.
16.1.6.3. Following the receipt and consideration by the Client(s) of the report, the
Company will:
16.1.6.3.1. Meet with the Client(s) or make such other arrangements as are
reasonable to allow the Client(s) to consider the Company’s professional
recommendations and reach an informed and objective decision on how to
proceed.
16.1.6.3.2. Determine the Client(s) instructions regarding the arrangement of any
necessary transactions.
16.1.7. Periodic rebalancing
16.1.7.1. Where investments are made as part of the Company’s recommendations, the
Company will undertake six monthly reviews of the Client(s) relevant investments
covering:
16.1.7.1.1. Changes in the relative values of different asset types and the
adjustments needed to maintain the previously recommended target return.
16.1.7.1.2. Changes in the suitability of investment managers and the adjustments
needed to maintain recommended suitability criteria.
16.1.7.2. Following the review, the Company will prepare and issue a report to the
Client(s) setting out the Company’s professional opinion regarding:
16.1.7.2.1. The Company’s professional recommendations.
16.1.7.2.2. The rationale on which the Company’s recommendation is based.
16.1.7.2.3. The initial cost and future charges arising from the Company’s
recommendations.
16.1.7.2.4. The risks to which the Client(s) may be exposed through following, or
not following the Company’s recommendations.
16.1.7.3. Following the receipt and consideration by the Client(s) of the report, the
Company will:
16.1.7.3.1. Make such arrangements as are reasonable to allow the Client(s) to
consider the Company’s professional recommendations and reach an
informed and objective decision on how to proceed.
16.1.7.3.2. Determine the Client(s) instructions regarding arranging any necessary
transactions.
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16.1.8. Periodic valuation
16.1.8.1. Where investments are made as part of the Company’s recommendations, the
Company will undertake three monthly valuations of the Client(s) relevant
investments covering:
16.1.8.1.1. Changes in the capital value of investments.
16.1.8.1.2. Distribution of dividends or profits.
16.1.8.1.3. Additional capital contributions or transfers from other investments.
16.1.8.1.4. Withdrawals of capital or dividend income.
16.1.8.2. Following the valuation, the Company will prepare and issue a report to the
Client(s) setting out the Company’s professional opinion regarding:
16.1.8.2.1. The overall value of investments.
16.1.8.2.2. The change in value since the previous valuation.
16.1.9. Additional services
16.1.9.1. Where the Client(s) require advice on the following:
16.1.9.1.1. Further gifts.
16.1.9.1.2. Further capital contributions to investments established for estate
planning purposes.
16.1.10. Bereavement support
16.1.10.1. In the event of the death of the Client(s), the Company will provide to the
executor and/or survivor the following services:
16.1.10.1.1. Immediate direction on what necessary steps to take directly after the
death.
16.1.10.1.2. Advice on obtaining the death certificate, where to register the death,
and the timescale needed to avoid incurring statutory penalties.
16.1.10.1.3. Where required, recommending, and arranging introductions to local
funeral directors.
16.1.10.1.4. Where required, support and direction on how to locate the Deceased’s
will via the National Will Register and other relevant sources.
16.1.10.1.5. Where required, support and direction in notifying relevant
Government Departments, including the Office of the Public Guardian where
the deceased has been subject to a ‘power or attorney’.
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16.1.10.1.6. Where required, assisting with notifying claims to relevant life
insurance, pension, or investment product providers.
16.1.10.1.7. Where required, assisting with notifying banks, building societies and
other deposit takers.
16.1.10.1.8. Where required, recommending, and arranging introductions to local
solicitors for support with distribution of the estate.
16.1.10.1.9. Where required, assisting with registering the deceased’s details with
the deceased preference service in order to stop unwanted mail.
16.1.10.1.10. Where required, recommending, and arranging introductions to local
venues able to host post funeral gatherings
16.1.10.1.11. Where required, recommending, and arranging introductions to local
house clearance services and charitable institutions to whom clothes and other
minor chattels can be gifted.
16.1.10.1.12. Where required, assisting with obtaining valuations of investments for
the purposes of establishing the value of the Deceased’s estate.
16.1.10.1.13. Where required, recommending and arrange introductions to
bereavement counsellors.
16.1.10.1.14. Where required, recommending, and arranging introductions to local
estate agents for the purposes of the sale or valuation of property.
16.1.10.1.15. Advising on the investment of the proceeds of the Estate to meet the
income and other financial needs of survivors and dependents.
16.1.10.1.16. Advising on opportunities available to the Executor and beneficiaries
of the Estate to reduce exposure inheritance tax liability.
16.1.10.1.17. Advising dependents on opportunities to transfer ISA and other tax
allowances from the Deceased to beneficiaries.
16.1.10.1.18. Preparing a formal record of relevant information and documents
relating to the arrangements made to settle the Deceased’s affairs.
17. Charges
17.1. Initial services
17.1.1. This will include
17.1.1.1. ‘Information collection’,
17.1.1.2. ‘Research’,
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17.1.1.3. ‘Advice’,
17.1.1.4. ‘Transactions’.
17.1.2. The services will be charged at the following tariff:
Value of Client(s) estate in the event of death
Charge Rate
£1 - £499.999 £750
£500,000 - £999,999 £1,500
£1,000,000 - £2,999,999 £2,500
£3,000.000 - £4,999,999 £3,500
£5,00,0000 – By arrangement
The charge for initial services
Based on estate value of £
Would be £
The balance of any commission to be set against future servicing would
be
£
Notes
17.2. Additional services
17.2.1. This will include:
17.2.1.1. ‘Information collection’,
17.2.1.2. ‘Research’,
17.2.1.3. ‘Advice’,
17.2.1.4. ‘Transactions’
Value of the Client(s) estate in the event of death
Charge rate
£1 - £499.999 £250pa
£500,000 - £999,999 £750pa
Page 14 of 18 LFM Customer Agreement – Estate Planning Proposition 7/8/2021

£1,000,000 - £2,999,999 £1,250pa
£3,000.000 - £4,999,999 £1,750pa
£5,000,0000 – By arrangement
Annual charge for ongoing services
Ongoing services
£ pa
17.3. Ongoing services
17.3.1. This will include:
17.3.1.1. ‘Bereavement Service’
17.3.1.2. ‘Forwarding and monitoring’
17.3.1.3. ‘Periodic review’,
17.3.1.4. ‘Periodic investment portfolio valuation’,
17.3.1.5. Assistance with annual HMRC reporting on relevant taxation matters,
17.3.1.6. ‘Information collection’, ‘Research’, ‘Advice’ and ‘Transactions’ arising
from:
17.3.1.6.1. Changes to regular capital withdrawals,
17.3.1.6.2. Ad-hoc capital withdrawals,
17.3.1.6.3. Changes in the Client(s) attitude to investment risk,
17.3.2. The ‘ongoing services’ will be charged at the following tariff:
Value of the Client(s) estate in the event of death
Charge rate
£1 - £499.999 £250pa
£500,000 - £999,999 £750pa
£1,000,000 - £2,999,999 £1,250pa
£3,000.000 - £4,999,999 £1,750pa
£5,000,0000 – By arrangement
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18. Payment of charges
18.1. Where available, the Company will provide the Client(s) with the option to pay
charges by either:
18.1.1. Collection via the product provider:
18.1.1.1. Charges will be deducted from the Client(s) investments by the product
provider and passed on to the Company.
18.1.1.2. In the case of ‘initial services’, payment will be made by the product provider
after completion of any related transactions. If there are no related transactions
arising from the Company’s advice, or if the amount of payment from the product
provider is insufficient to cover the agreed cost of services, the Company will then
invoice the Client(s) directly.
18.1.1.3. In the case of ‘ongoing services’ payment will be made by the product provider
in arrear over the period determined by the product provider’s terms for payment
of adviser charges. Where the amount of payment from the product provider is
insufficient to cover the agreed cost of services, the Company will then invoice the
Client(s) directly.
18.1.2. Direct payment:
18.1.2.1. Charges will be invoiced for payment by the Client(s) within thirty days.
18.1.2.2. In the case of ‘initial services’ the invoice will be issued following the
provision of advice or, where related transactions are to be arranged by the
Company, following completion of those transactions.
18.1.2.3. In the case of ‘ongoing services, the invoice will be issued annually in
advance on those services being provided.
18.1.2.4. In the event that the Client(s) decline to pay charges for ‘ongoing services’, the
Company will cease providing further ‘ongoing services and will not issue further
invitations for annual review
Please note - where charges are paid directly, this will reduce the ongoing cost
of related financial products.
18.1.3. Offset by commission
18.1.3.1. The Company will account to the Client(s) for any relevant commission
received by the Company over the period during which commission is payable
18.1.3.2. Where the amount of initial commission received exceeds the cost of the
‘initial services’, the balance will be held and applied against the cost of ‘ongoing
services.
18.1.3.3. The Company will continue to provide ‘ongoing services’ to the Client(s) until
the balance of any commission received has been utilised.
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18.1.3.4. If the Client(s) decline to take up the invitation for review, the ‘ongoing
service’ charge will continue to be offset from the balance of any commission
received.
18.1.3.5. At such point as the balance of commission no longer covers the cost of
‘ongoing services’, the Company will invite the Client(s) to pay charges directly.
18.1.3.6. If the Client(s) decline to pay charges for ‘ongoing services’, the Company
will not issue further invitations for annual review.
18.1.3.7. Where cancelling of financial product results in the product provider
reclaiming a commission payment, the Company will invoice the Client(s) for the
reclaim less any remaining balance due to be offset against ‘ongoing services.
18.1.3.8. The balance of any commission remaining at the cancellation of ongoing
services will not be transferred or refunded.
19. Cancellation of ongoing services
19.1. The future provision of ongoing services may be cancelled by the Client(s) at any time
subject to payment of any outstanding charges.
20. Special Agreements
Special arrangements and modifications to our usual terms
21. Agreement to proceed
21.1. The terms of this agreement will be binding once signed by the Client(s) and on behalf of
the Company by one of its directors:
Name of Client(s):
Date
Signature(s):
On behalf of Leabold Financial Management Limited:
Date
Name of Director
Signature:
Page 17 of 18 LFM Customer Agreement – Estate Planning Proposition 7/8/2021

Page 18 of 18 LFM Customer Agreement – Estate Planning Proposition 7/8/2021