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2023-08-31-accounts

Ballynure and District Community Association Ulster Bank 1st September 2022 to 31st August 2023

Inv ref
01/09/2022
Opening Balance
1
05/09/2022
Chq 360 AJ Gallagher Ins
06/09/2022
Antrim & Newtownabbey BC - SID batteries
09/09/2022
Quarterly Bank Charges
04/11/2022
Co-op
2
22/11/2022
Chq 361 - Action Cancer big bus
25/11/2022
Antrim & Newtownabbey BC
3
05/12/2022
Chq 363 Christmas Light Switch on - St Johns Ambulance donation
4
06/12/2022
Chq 362 Christmas Light Switch on - selection boxes
09/12/2022
Quarterly Bank Charges
5
07/03/2023
Chq 365 - Richard Wallace re snowdrop
6
08/03/2023
Chq 366 - Lynne Downey - juice, consumables etc
10/03/2023
Quarterly Bank Charges
7
20/03/2002
Chq 364 - Gillian Den Hase - voucher for quiz
8
20/03/2023
Chq 367 - Jacksons (food at quiz)
9
20/03/2023
Chq 368 - Jacksons (traybakes Ballynature Day)
05/05/2023
Antrim & Newtownabbey BC
10
12/05/2023
Chq 369 - D Millar - Kings Coronation bouncy castles
15/05/2023
Credit 105
09/06/2023
Quarterly Bank Charges
11
14/06/2023
Chq 371 - Lynne Downey - cups/white boards Kings Coronation
12
05/07/2023
Chq 370 - Simon Wells for Jacksons traybakes King Coronation Day
13
21/07/2023
Chq 372 - PWS Ireland SID batteries
14
11/08/2023
Chq 373 Gallagher Ins
31/08/2023
Closing Balance		 Withdrawn
Paid In
Balance
2,172.29
748.41
1,423.88
500.00
1,923.88
15.56
1,908.32
1,007.15
2,915.47
450.00
2,465.47
800.00
3,265.47
50.00
3,215.47
210.00
3,005.47
4.72
3,000.75
288.00
2,712.75
30.00
2,682.75
5.08
2,677.67
20.00
2,657.67
100.00
2,557.67
60.00
2,497.67
1,000.00
3,497.67
220.00
3,277.67
335.00
3,612.67
7.41
3,605.26
173.16
3,432.10
82.15
3,349.95
312.00
3,037.95
819.75
2,218.20
3,596.24
3,642.15
2,218.20		 Balance

Ulster Bank Current Account Pold In Bolonce 3.447.01 3,442.29 2,942.29 1.672.29 2.172.29 1.425.88 9 Jun 2022 10 thJn 13 Jun 15 Jun 17 Jun 5S•p 6S•p BRCIJ>IT FORWARD Ch•rg•• Ch•qu• No. 000359 Ch•qu• No. 000558 Cr•dl Nts.000104 Ch•qu• Auo••t•d Cr•dlt 20MAV A/C 47068030 980940 980985 981145 I7￿ 1124 000360 ANTRIM AM) ￿￿Tly￿￿ PA YPENT FRCI A￿c FP 06/09/22 1205 FP085IGP57RJ0669FO 4.72 500.00 1.270.00 500.00 748.41 500.00 1.92J.88 Account Number 47068030 67 •Bmnch Jort eode 98-02-80 BALLYMIIE AM) DISTRICT CC•MXTY ASSOCIATIC4

Account Transaction Details BALLYNURE AND DIST COM ASSOC 28 LISNALINCHY ROAD BALLYCLARE COUNTY ANTRIM Ulster Bank UB Glengormley 2 Farmley Road Newtownabbey Co. Antrim BT39 9PA At 06 December 2022 12:03 pm BT36 7QU Branch Sort Code.. 980280 Account Number.. 47068030 - Buslness Curreni Page 01 of 01 Dato D88crl tlon Wlthdrawn 2l Pald In B81anco 05-D6¢-2022 000363 25-Nov-2022 Automated Pay In £50.00 £3,215.47 £3,265.47 £800.00 ANTFIIM AND NEWTOWN PAYMENT FROM ANBC FP 25111122 1615 FP085K2ZOZEWE503D2 22-Nov-2022 000361 04-Nov-2022 Aulomatad Pay In £450.00 £2,485.47 £2,915.47 £1,007.15 ACCOUNTS PAYABLE COOPOCT61472 19AUG AIC 47068030 09-Sep-2022 Charges 08-S8p-2022 STATEMENT PRODUCED 06-Sop-2022 Automated Pay In £15,58 £1,908,32 £500.00 £1,923.88 ANTRIM AND NEWTOWN PAYMENT FROM ANBC FP 08109122 1205 FP0851GP37RJ0669FO 05-Sep-2022 000360 £748.41 £1,423.88 Items with today's dale have still lo be confirmed and are Included lor Information purposes only. Ulster Bank gives you access lo our bank aGcount 2417 b telephone and inlernel from anywhere. To register phone 0845 900 3200. National Westmlnster Bank PLC, Floglstered Sn England and Walès (Registered number 9290271, 250 Bishopsgaie, London, England EC2M 4AA

Account Name BALLYNUREANO DISTRICT COMMUNITY ASSOCIATION Account No Sort Cod• Pog• No 47068030 98-02-80 1 of 2 Ulster Bank Current Account 018&Q0001321 063044)CK)i Summary Stot•m•nt Dot• ELAINE ROBINSON 2 CASTLEBROOK AVENUE BALLYNURE CO ANTRIM BT39 9GX 08 MAR 2023 P•rfod Cov•r•d 09 DEC 2022 to08 MAR 2023 Pr•vSou• bolon £3,005.47 PaSd In £0.00 Wlthdrown £322.72 N•w Balanc• £2.682.75 81C ULSBG828 18AN G853ULS898028047068030 Welcome to your new look Ulster Bank statement Why lile and store your stat•menls when we can do it for you? Manage your statements onlln¢ at www.ulsl•rbonk.¢o.uk If you have changed your address or t¢l•phon• number please l¢t us know. Your Debit Interest Rate is 11.OOY Dat• D••¢rlptlon 09 DEC 2022 BROUGHT FORWARD Charp I￿0v WC 470690.30 . 07 MAR 2023 Cheque 000365 rA MAA Ch•qu• OCI300 Pqld In￿> Wlthdrownlt) Ilanc￿> 3,005.47 4.72 • y,000.75 288,00 2,712.75 30.og 111 2,￿,7& Ulster8ank, a bwne55nameofNationalWv$tmin¥teT8ank PIC I'NctWest'l. r￿&Stered In Ertglond aDdWales IRegistertd NY￿ber?2902?1. Reg￿ter¢dOlfl¢B.' 250 8￿hoP59a1e, London, EC2NI 4A4. Autttorised by ihe Prudéntiql Regulation Authonty and ryvloled bythoMnciol ConductAulhorityond 1tt8Prudealial RegulotionAuthority. and entered on theFinancial Service5 R9gislerlRegi5trotion Number 1218781. ReTSTMT-V092 22A12

Account Ntsm? BALLYNURE AND DISTRICT COMMUNITY ASSOCIATION Account No Stsrt Cod• Pag• No 47068030 98-02-80 l of 2 Ulster Bank Current Account OOCW17710LY)01306 12876QIYJ14) Summary Stot•m•nt Dat• ELAINE ROBINSON 2 CASTLEBROOK AVENUE BALLYNURE CO ANTRIM BT39 9GX 08JUN 2023 P•rfod C0v•r•d 09 MAR 2023 to08 JUN 2023 Pr•vlou* Boltsn £2,692.75 Pold In El,335.00 Wlthdrawn £405.08 N•w Bolonc• £3,012.67 BIC ULS8GB2B IBAN GB53ULS898028047008030 Welcome to your new look Ulster Bank statement Why file and stor• your statements when we Can do it for you? Manage your slotements online at VMW.ul•t•rbank.¢o.uk If you have changed your addr•$$ or telephone number pleas• let u$ know. Your Debit Interest Role is Ll.50% Oat• D••¢rlpthn D9 hhAR 2023 BROUGHT FORWARD 10 MAR Chargm 17FE8 hjc 4700a03Q 20 MAR Cheque 000364 Pald Inlt) Wlthdrtyrf) knr4ne•lE) 2,682.75 2,677,67 2,657 67 .2,557,67 2,497.67 i.oa111 20.00 100.oo 111 Cheque No.000368 980400 60.00 . Automat•d Cr•dlt ANTRIM AN￿N￿w￿pAYmP￿F￿OM, . AN8C FP 0510S123 1453 FP085EF0645QU783D9 12 MAY Cheque No.000369 981567 AS MAY 11 Cr•dtN¢.OOOIOS 911145 16MAY.1346 3,497.07 3,277.67 '.3,612.67 220.00 utsiÈrBonk,g Lw5iDev6 nameof NaliDnolW¢stmin5terBank Plcl'NolWest'l, regsleredin EnglondondWo1￿ IRegisleredNumber9290271. R¢gi¥lered office.. 250 8￿hoP59Qte. London. EC2kn4AA.Authorise&bythe Pwd8niio1 RegulationAuthorilyand regulgted by theFinon¢i)IConductAuthorilyondthe PNdentitsl RtyulationAuthorily. aThdentered on thè lsn¢n¢iol Serwces Register IRe9i$trntsDn Number1218781. ReTSThIT-V104041PS

A¢tount Nom• BALLYNURE AND DISTRICT COMMUNITY ASSOCIATION Account No Sort Code Page No 47068030 98-02-80 1 of 2 Ulster Bank Curr•nt Ac¢aunt c￿3$5011)0￿595p1304 0019522￿7 Summary Stot•m•nt Dat• ELAINE ROBINSON 2 CASTLEBROOK AVENUE BALLYNURE CO ANTRSM BT39 9GX 08 SEP 2023 P•riod C•v•r•d 09 JUN 2023 to08 SEP 2023 Pr￿aul Balanc• £3,612.67 Paid In E200.00 Wlthdrawn £1.399.63 N•w Balan¢• É2,413,04 BIC ULSBG828 IBAN GB53ULSB98028047068030 Welcome to your new look Ulster Bankstatement Why filo and store your slal•ments when we can do it for you? Monage your$tatem•nls online at www.ulst•rbunk.¢o.uk If you hove changed your addre$s or tel6phon• nurn￿r let us know. Your Debit Interest Rate 1$ 12.25% D•t• Wl Dwlptl•n 09 JUN 2023 BROUGHT FORWARD Chary¥ 19MAY AJC 4706803Q_ Ch•que 000371 Clwu• IM370 Chequ• No.000372 981290 P•ld ITh￿) Wlthdvawn(i) 11 Dohne•(t) 3,612.67 7A1 1,60520 173.16 3,432.10 82.ts 11 J,349.95 312.00 3,037.95 14 JUN Is JUL 21JUL ILAuuWk•quLoooaza .- 085EP Aut¢)maled c.redit ANTRIM ANO NEWTOWN PAYMENT FROM AN8C FP OBIO9123 1237 FP085112NX7VY459D4 200.00 2,418.20 UlslerBonk, a b￿sIne￿￿o￿￿OrNabOMlWeS1M1￿9for Bank PIC I'NotWBst l. rgg&stered in England andWoK7s IRegi5tÈreO ￿mber92901?1. RegtsteredOftke.'250 &5hwgVt. London. EC2M 4￿. Atslhorispd by IhePrudential Regulotion Authority0[￿ rty4uloted bytheFinanual ConductAuthority4nd IhePNdtntial RegU￿tiOn ￿l￿O￿ty.ande￿ttr￿I0n theFinanciuI S¢rvi¢@$RegslerlRegk%tration Numbtyr1216781. RETSTMT-V10404m5

IF PAYING BY DIRECT BANK Ballynure & District Community Association TRANSFER PLEASE CHECK BANK DETAILS BELOW AS 11 Belfast Road THEY MAY HAVE CHANGED Ballynure SINCE YOUR LAST INVOICE Co Antrim BT39 9TY  

Client Ref: 3638957 3638957
Invoice InvoiceRef: 517153997
Invoice Date: 10 August 2022
Amounts(£) Total(£)
Commercial Combined Royal & Sun Alliance Insurance
Limited - AJG Charities via Arthur J
Gallagher Insurance Brokers Ltd -
Charity Division
Policy Number: RKL23407/ 08/ 380
PolicyTerm: 14/08/22 - 13/08/23		 Premium
Insurance Premium Tax
Administration Fee		 614.65
73.76
60.00		 748.41
TOTAL 748.41

Payment Terms: On Invoice Date

Please note our bank details for all BACS payments: Arthur J Gallagher Insurance Brokers Ltd Client NST Bank Account 00320426 Sort Code: 30-00-02

IBAN: GB98 LOYD 3000 0200 3204 26 BIC CODE/SWIFT: LOYDGB2LCTY

FOR BANK TRANSFER PLEASE QUOTE REFERENCE 517153997 ON YOUR PAYMENT AND EMAIL REMITTANCE DETAILS TO UK.Glasgow.AJGIBL.Remittances_@ajg.com

COMMENTS :

14/08/2022 - 13/08/2023

Commercial Combined Renewal

Arthur J. Gallagher Insurance Brokers Limited is authorised and regulated by the Financial Conduct Authority.

Metropolitan Building, 29/31 Alfred Street, Belfast, BT2 8ED t: 02890 241651 f: 02890 240441 w: www.ajg.com/uk

Registered in Scotland: Registration No. SC108909 Registered Office: Spectrum Building, 7th Floor, 55 Blythswood Street, Glasgow G2 7AT VAT Registration No: GB 484 7462 09

The Financial Conduct Authority does not regulate all forms of the products we provide

Arthur J. Gallagher Insurance Brokers Limited. Metropolitan Building 29/31 Alfred Street Belfast BT2 8ED

REMITTANCE ADVICE from Ballynure & District Community Association

Please find enclosed remittance for the invoice detailed below:

Client reference: 3638957 Invoice reference: 517153997 Invoice Date: 10 August 2022 Invoice value: £ 748.41

Attion Can￿r 20 Windsor Avenue Belfast Co. Antrim 8T9 6EE Acti•n Tel: 028 90803344 Email.. finance@actioncantrr.org VAT Reg No: 701338179 cancer brlVllI(' LiwP.£ .i,IlJl)<)i-Iiri9 Vp.()l.Ilp INVOICE Page I Ballynure & Distrlct Community Association clo Alan Paul 28 Lisnalinchy Road Ballycla Co Antrim BT39 9PA Involce No Involce Date 2410912022 Order No Account Ref BAL14 Quantlty Descrlptlon Unlt Prlce Dlsc Amt Net Amt VAT 0/0 VAT 1.00 Big Bus Vislt At Ballynure Presbyterian Church On 24 September 2022 375.00 0.00 375.00 20.00 75.00 Ternis & Payment Terms: 30 days All cheques should be made payable to "AcfIoN CANCER" BACS Clo Danske BanK Univer&ty Road, Belfast Sort Cc¥Je.' 95-01-32 Account Number.. 42796554 Total Dlscount 0.00 Total Net Amount 375.00 CaThlage Net 0.00 Please contact fInan￿@aCtIontsncer.cyg with any payment remittance or querles. Totsl Tax Amount 75.00 Invoice T¢)tsl 450.00

----- Forwarded message ----- From: Doris Coiley doris.coiley@sjani.org To: teapot2112@yahoo.co.uk teapot2112@yahoo.co.uk Sent: Friday, 2 December 2022 at 14:48:28 GMT Subject: Ballynure & District Community Association

Many thanks for your donation of £50 to St John Ambulance in respect of the recent Christmas event and light switch on which we attended.

Hope you all keep well and have a great Christmas.

Thanks

Doris Coiley Unit Manager & Treasurer Carrickfergus Cadet Unit

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St John Ambulance (NI); a company limited by guarantee and registered in Northern Ireland. Registered number: NI039213 Registered charity number: NIC103839 Registered office: Erne, 35 Knockbracken Healthcare Park, Saintfield Road, Belfast, BT8 8RA

Confidentiality Statement

This communication and the information it contains, (a) may be confidential, legally privileged and protected by law, including law of copyright and (b) is intended for the person(s) and/or organisation(s) to whom it is addressed and is for no other person(s) or organisation(s). Unauthorised use, copying, forwarding or disclosure of any of it may be unlawful. If you have received this communication in error, please contact us immediately at Erne@sjani.org and delete the communication from any device.

St John Ambulance (NI)

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T: (+44) 28 9262 2905 CORNERS •sk@4¢•rn•rs.org.uk SIGN PWIN F www.4c•rn•r•.org.uk VAT W No: 237639774 Ballynts￿ & Dlsblct C(xnmunlty Ass( Involce 8743 IVOV2023 CASHSALE D*1 JOB21310D8 Unlt Prfce VAT% VAT lrn DltThd slgn (slgnfix aThJ dps) fvan15eAI W aNI c4)5 240.00 20.LX) 48.00 4 Corners Sign Print & Display Ltd. Unit 5, 14 Rathdown Road Lissue Industrial Estate West Lisburn Co. Antrim, Northern Ireland Tolal Plet Amount {£) Totsl Tax Amount (£) Involce Total {£) 240.(X) 288.lJ) Payment Detai SC: 090128 Acc: 92917409 Company Reglstration No. N1634621

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Post Off ice Ltd, Your Receipt FAD: 169704 Ballynure 27 Main Street Bal lynure 8allyclare County Antrlfft BT39 91U VAT REG No. GB 172 6705 02 Date of Issue.. 2911212022 18:53 SESSION: 1-763132 Black Oesign 20.00 TOT AL DUE TO POST OFFICE Ilagtercard FROH CUSTOMER 8ALANCE_ 20,00 20.00 20.00 L.00 CARO PAYKEMT IIASTERCIRD Card Number.. 518652XXXXXX7597 CDNIACTLESS Auth Code.. 096569 Merchant ID: 08421 Terminal ID,. 16756 Appllcation ID: AOOOOOOOD41010 PAN Seq No. 03 HTxn ID: 55N8A1770103 TRX ID.. MCSU4LAIX1229 Arnount. NO CARt)HOLDER VERIFICATION PAYHENT APPRQVED CIROHDLDER RECEIPT E20,00 We, d love your feedback You could wln a £100 One4all Gl It Card Vlslt postoff Ice.co.uklfeedback Looklnq tor help with the cost of Ilvlng? Head to postofflce.co.uklf Indsupport Please retaln for future referenc? Thank You

ac. 80n'8 fresh from ourfarni to our shop to yourplate... MAIN STREET, BALLYNURE, BALLYCLARE TEL: 028 9335 2592 BUTCHERS & BAKERY Dute: IDE>'CX

fresh from ourfarni to our shop to yourplate... BUTCHERS & BAKERY MAIN STREET. BALLYNURE, BALLYCLARE TEL: 028 9335 2592 Dale: O.c)a

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Invoice Paid Pa￿r)ant r8fwenrA ID 5iFitFxVY88XIIJZacSd SrAd by Zh¢n9thou AUCS Co.. Ltd. Invole4 dato l Defv•ry MR MALCOLM DOWNEY 1 TOBERDOWNEY GARDENS, BALLYNURE BALLYCLARE. CO ANTRIM, BT39 9TW GB 15.05.2023 Invok # D&AsE.INV-G￿&18s84T757 £57.90 Totsl pay0￿ VAT d￿l￿r0d by Am•zon S•Nk•• Europo S.4.r.L VAT# GB19L Billing address Mr Mekolm DM Delivery address Mr Molm Dtr Sold by Zhengthu AUCS Co.. Lttl. 1ST FLOOR OC&ANA HOUSE 49 COMMERCIAL ROAD SOUTHAMPTON, S015 1GA l Totér(h￿Y G•rd•n•. 8•Wr• BALLYCLARE, Co Antrlm, BT39 9TW BALLYCLARE. Co A*lm, BT39 9TW G8 Order infomatlon Ord8( dat¥ 14.06.2023 20&3353137-9894717 Invoice detalls Untt VAT r#t• Unft It•m 8ublotsl Ilnc4. VAT) l•xd. VAT) Ilnd. VAT) VIZ.PRO Magrwllc Whtt8bowd Slver ￿￿M￿l￿fi FrTh, WW)xH6￿￿ I BOOU398ROU £24.12 20% £28.95 8.95 AblN,' ESVUUJYIJFIDU VIZ-PRO Magn•ttc WMeIx￿￿1 Sllv•r Aumlnkni Frqme, WWxH6fKM I B(N)U398ROU £21.12 £28.95 blN.. ISUUU'I118RDU Shlpplng ch￿60 £O.fA) Invoice total £57.90 VAT rnt• VAT wt l•xd. VATI £48.24 £9.e6 £4824 £9.86 to W wol8¢1 the qnvKon(MILby Tewng orimw8ntpd Pri￿￿15. Out￿ere rgcyck al recyrJtrmorg.co.uk LlkBIDd)d knazon 88r¥ices EUr￿S.2 1.1., 38 avenue Johrt F. K6rin¢dy. L-1855, Luxembourg R.C.5. LuxethLVg" 8 93815". Busyne5E Iten5e Dumbw.. 100416 VAT numbBrLUISY714 VATOpC￿red Dy AMBZD Page1ofl

Invoice Invoice No. INV-020017 GREENMAN PACKA61N6 Balance Due e fr•ffi pl4stic £0.00 IANTS Green Man Packaglng Limlted 1349-1353 London Road, Leigh-on-sea. Essex, SS9 2AB, United Kingdom Company ID: 05617734 VAT Registration number: GB931783705 GB EORI Number.. GB931783705000 Email ', accounts@greenmanpackaging.com Tel . +44 207 183 8962 PAID Invoice Date: 15105123 Invoice-lo Lynn Downey 1 Toberdowney Gardens 8allynure Ballyclare, BT39 9TW United Kingdom Terms: Pro Forma Due Date . 15105123 Customer P.0. NuTnber.' WEB-12017 Reason forExportr. . SALE Shipping To Lynn Downey 1 Toberdowney Garden5 Ballynure Ballyclare. BT39 9TW United Kingdom Item & Descriptlon CAN SKU Unit Per Case No. of Cases Case Price Case KG VAT Order Value Compostable Art Serles Double Wall Coffee Cups- 8oz 1200ml / 79mm SKU .' GM-BC.8DWART 203110 7.50 81.05 76.21 81.05 Sub Total 81.05 Shlpping charge Ishoplfy Sales Taxl20 001120%11 15.00 Shopify Sale5 Tax120.00] 19.21 Total £11526 Payment Made 1-1115.26 Balance Due

JHCK50N 5 BHLLYNURE g IRIIN SI, BRLLYNURE IEL 028 8335 2592 05-05-23 YBe RASPBERRY UHITE LHOC SCONES 12.40 12.40101 £ 2.20 'Nhéatin Scones £ 2,20101 L 2.20 hÈ•ien S¢ones 1 2.20101 RASPBERRY UHIIE f HOC SCONES £ 2.40 L 2.4010I K)IENESSE APPLE CINNAMON 'iCONES IPPLE CINNRM 13.9: g 2.20101 UIENESSE PEPPEPI Otal PEr Olai e3 O.OOo OO*OO&Js30S

----- Start of picture text -----
PROFORMA INVOICE
PWS IRELAND LTD.
GREENBANK IND. ESTATE, NEWRY, VAT Reg. No. 254083862
CO. DOWN, NORTHERN IRELAND BT34 2QX Registration No. NI 003761
Tel: +44(0) 28 3026 4511
Web: www.pwssigns.com
Email: accounts@pwssigns.com
Doc. No. 2306164
BALLYNURE VILLAGE COMMUNITY GROUP Date: 27/06/2023
ADDRESS TBA Order No: Verbal
Acc. No. C9
Job No. 2306164
Qty Description Price Net Amount VAT
4 Batteries for SID Signs £60.00 £240.00 £48.00
1 Carriage/Delivery £20.00 £20.00 £4.00
IF SUBMITTING REMITTANCE DIRECTLY VIA BANK, PLEASE
E-MAIL ACCOUNTS@PWSSIGNS.COM TO ADVISE WHEN
PAYMENT MADE
PWS BANK DETAILS
ULSTER BANK LTD, HILL STREET, NEWRY,
CO. DOWN, BT34 1BT
A/C NO. 73379069 SORT CODE: 98-11-40
ACCOUNT NAME: PWS IRELAND LIMITED
IBAN: GB37 ULSB 9811 4073 3970 69
BANK IDENTIFIER CODE (BIC) ULSB GB 2B
Total Net Amount £260.00
Delivery to: Address as Above Carriage Net £0.00
Total VAT Amount £52.00
Invoice Total £312.00
Title to these goods does not pass to you or any third party until this invoice is settled in full. In the event
of non-payment, we shall be entitled to repossess or trace the goods or the proceeds in the hands
of any liquidator, receiver or trustee.
----- End of picture text -----

Private & Confidential

Mr Simon Wells Ballynure & District Community Association 11 Belfast Road Ballynure Co Antrim County Antrim BT39 9TY

Metropolitan Building 29/31 Alfred Street Belfast BT2 8ED

Tel: 02890897366

www.ajg.com/uk

2nd August 2023

Dear Simon,

Insurance Policy: Commercial Combined Client Name: Ballynure & District Community Association Client Reference Number: 3638957 Policy Number: RKL23407/08/380 Effective Date: 14/08/2023

Your insurance policy is due for renewal shortly and we have pleasure in enclosing your renewal quotation(s) and documentation. These have been based on your requirements which you disclosed to us previously or in our recent renewal discussions. Our understanding of your requirements are shown in the enclosed documentation.

There are a number of documents enclosed and it is important that you review each of them. Within this letter we have summarised what we consider to be the most important points to assist you. We have directed you to those documents, or parts of documents, which you must read carefully.

Your renewal premium(s) for the forthcoming year are detailed as follows:-

Insurance
Administration
Policy Insurer Premium
Total Due
Premium
Fee(s)
Tax
Royal & Sun

Alliance Insurance
Limited - AJG
Commercial
Charities via
£673.88		 £80.87 £65.00 £819.75
Combined Arthur J Gallagher
Insurance Brokers
Ltd - Charity

Division
Total £673.88 £80.87 £65.00 £819.75

Arthur J. Gallagher Insurance Brokers Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: Spectrum Building, 7th Floor, 55, Blythswood Street, Glasgow, G2 7AT. Registered in Scotland. Company Number: SC108909.

Page 1

Commercial Combined

Your Requirements and Our Recommendations

We have assessed the information about your business circumstances that you have provided to us to help us to identify your requirements and make recommendation(s). We have based our understanding of your requirements on this information.

You have not selected optional add-on product(s) to access additional cover which complements your main policy, or suits your specific needs (as per the schedule attached).

We recommend that this policy is placed with Arthur J Gallagher Insurance Brokers Ltd - Charity Division under their Specialist Insurance for Charities and the Voluntary Sector product based upon your requirements to purchase Commercial Combined insurance and the price, extent of cover and policy benefits provided by the insurer.

Our recommendation is based on your requirements to have a Commercial Combined product for your business to the levels of cover we have discussed which is summarised in the attached Policy Schedule.

We would draw your attention to your Duty of Fair Presentation obligations, along with the importance of checking that you have adequate sums insured. Full details can be found in the Important Information section.

Market Selection

We have obtained terms from your existing insurer only.

We have arranged insurance for you through another company in the Arthur J. Gallagher group which acts on behalf of one or more insurers. An example may include a placement with a separate underwriting team within Arthur J. Gallagher Insurance Brokers Limited, or within Pen Underwriting Limited or Arthur J. Gallagher UK Limited. The company/ies we have used will be set out in your policy documentation.

In arranging an insurance solution for you, we will ensure that our duty to you does not conflict with the duties that an Arthur J. Gallagher group company owes to the insurers that it represents.

Significant Terms, Conditions, Warranties, Exclusions and Subjectivities

Your policy documents will record what is insured and against what Insured Perils (risks) apply, along with details of any Warranties which sets out those things which you must make sure happen or have in place at all times. Your cover may be subject to Exclusions and Endorsements , which set out additional Policy Terms which are particularly important. Please also consider any Conditions with which you have to comply in order for your cover to be valid and for you to make a claim.

Page 2

It is important that you read and make sure that you understand the full extent of the cover that is provided by your insurance policy. The policy wording should be read in conjunction with your policy schedule. While you must review all of your documentation, outlined below are any significant terms, subjectivities, endorsements, conditions, warranties, endorsements or exclusions most applicable to your policy and your normal circumstances which we would like to draw to your particular attention to. Please read these carefully as they may have an impact on the validity of your cover and/or your ability to make recovery for any claims made.

If there are any areas of the policy which you are concerned about or do not understand, or where you are unable to comply, then please contact us to discuss in further detail. It may be possible, albeit at higher cost, to obtain wider or less restrictive cover.

Policy Documents

It is important that you check through your policy documentation. Please read all documents carefully, paying particular attention to the limits, endorsements and exclusions. If any information is incorrect, please contact us immediately .

Payment Options

Our standard payment terms are payment on or before your policy inception or renewal date. This ensures we receive your funds in time to settle our Insurer accounts where there are strict requirements.

You can pay by the following options:-

Next Steps

If you have any questions relating to your insurance arrangements, please do not hesitate to contact us. We look forward to receiving your renewal confirmation by the renewal date. Failure to provide your instructions could result in your policy and cover lapsing.

Yours sincerely,

Christine Dunlop Cert CII, LLB (Hons)

Client Account Manager - Commercial Direct Dial: 02890897366 Email: Christine_Dunlop@ajg.com

Page 3

Enclosures Action Required by You
Policy Schedule(s) Please review and advise us immediately if there are any

terms you are unable to comply with or do not understand.
Important Information Please read and retain.
Our Terms of Business Please read and retain.
Employers Liability Tracing Office
Form		 Please complete the form and return this within 14 days of
your renewal date.

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Important Information

Please read this section carefully as it contains important terms and may require you to take action.

1. Sums Insured and Under-Insurance (Average)

Please ensure you are insured for the full value of risk in accordance with the policy terms and conditions. We strongly recommend that you obtain professional valuations for reinstatement purposes of buildings, machinery and plant at regular intervals. Sums insured and limits of indemnity should be kept under review throughout the period of insurance.

It is important that you are NOT under-insured. Make sure you have insured your buildings for the full rebuilding cost including allowances for architects costs and site clearance, and your contents for their full replacement value as new items. You must notify us if the full replacement value of your contents or full rebuilding cost of your buildings exceeds the amount shown on your schedule.

The insurer will only be able to settle claims at the percentage you are actually insured for. For example, if the value of your contents shown on your schedule only represents 70% of the full replacement value then the insurer will not pay more than 70% of your claim.

1.
Sums Insured and Under-Insurance (Average)		 1.
Sums Insured and Under-Insurance (Average)
Please ensure you are insured for the full value of risk in accordance with the policy terms and
conditions. We strongly recommend that you obtain professional valuations for reinstatement
purposes of buildings, machinery and plant at regular intervals. Sums insured and limits of
indemnity should be kept under review throughout the period of insurance.
It is important that you are NOT under-insured. Make sure you have insured your buildings for
the full rebuilding cost including allowances for architects costs and site clearance, and your
contents for their full replacement value as new items.
You must notify us if the full replacement value of your contents or full rebuilding cost of your
buildings exceeds the amount shown on your schedule.
The insurer will only be able to settle claims at the percentage you are actually insured for.
For example, if the value of your contents shown on your schedule only represents 70% of
the full replacement value then the insurer will not pay more than 70% of your claim.
2. Duty of Fair Presentation
When you answer questions or agree with assumptions during the quotation process, you must

disclose material facts or circumstances about the risk(s) you want to insure. A material fact or

circumstance is something that would influence the judgement of an insurer in deciding whether

or not to insure the risk.
This is known as a ‘duty of fair presentation’ and includes disclosing the following:

Information that you, your firm’s senior management, or anyone responsible for
arranging your insurance knows, or should know in relation to your business; and

Information that would be revealed by a reasonable search of information available to
you or by making enquiries, and could include information held within your business or

by someone else (such as your insurance broker).

Remember that if you fail to meet this duty, it could mean that the policy is void, or that

the insurer is not liable to pay all or part of your claim(s).
Examples of material facts or circumstances include the following (please note these have been

provided as examples only and the list is not exhaustive):


Being declared bankrupt, participating in an Individual Voluntary Arrangement (IVA) or
protected deed of trust in Scotland or making a compromise arrangement with creditors.

Other policies in place covering the same risk.

Previous claims or incidents which may have led to a claim but for which you did not
actually submit a claim.

Any caution, charge or conviction of a criminal offence for you or any director/business
partner/trustee

Page 5

Please remember that if any of your details, material facts or circumstances change during the policy period, you must always notify us immediately.

3. Policy Terms, Conditions and Exclusions

Insurers may impose warranties and/or restrictive endorsements and where any of your policies are subject to a warranty, compliance is an absolute requirement at all times.

In addition to warranties (or in some instances, in place of) policies may contain "conditions precedent to liability". Failure to comply with a condition precedent may mean that the insurer will not be liable for any loss.

Please pay particular attention to any warranties and/or restrictive endorsements as failure to fully comply with any warranty/endorsement terms could suspend or invalidate the policy cover.

Similarly, policies also contain general conditions that apply to all policyholders; for example, ‘Notification of Claims’ and alteration in risk. You should familiarise yourself and comply with all conditions.

Full details of any warranties, terms, conditions and exclusions are contained within your policy wording and schedule. For your protection, it is essential that you read your policies carefully to ensure you are familiar with all of the terms, warranties, conditions and exclusions.

If at any time you are unable to comply with a warranty, condition precedent to liability, or any other policy terms, conditions, exclusions or insurers’ requirements, please let us know immediately as the requirements imposed will continue to apply until insurers have accepted that you are compliant with policy terms and confirmed cover.

If you have any queries or questions regarding the policy term, conditions or exclusions please contact us immediately.

4. Administration Fees

Where we charge an administration fee in respect of the operational cost of setting up, administering or cancelling your policy, e.g. postage, stationery and licensing fees. The administration fee is not subject to Insurance Premium Tax and is separate to any other broker fee charged and/or commission earned for our services.

Page 6

Activity
Annual
premium
under £500
Annual
premium
over £500
New Business and Renewal administration fee £50
£65
Cancellation administration fee £50
£50
Mid-term adjustment administration fee £50
£50
There is a cap of £350 in total for administration fees per customer per year.
5. Basis of our services




The services we provide are outlined in ourTerms of Business Agreement (TOBA). A
copy of which is provided in Appendix 1 of this report.Please read this carefully as we will
provide our services in line with this.
We act on an ‘advised’ basis which means that we will be making a personal recommendation of
a specific insurance policy(ies) based on information you have given us around your particular

requirements and circumstances. When acting on an ‘advised’ basis, we act as Agent of the
Customer (that is to say, we represent the customer) in order to select appropriate cover(s) from

different insurance markets.
6. Short Form Privacy Notice

















We are the data controller of any personal data you provide to us. We collect and process

personal data in order to offer and provide insurance services and policies and to process

claims. Personal data is also used for business purposes such as fraud prevention and

detection, financial management, to generate risk modelling, conduct analytics including to

advise, improve and develop our products and services and to comply with our legal and

regulatory obligations. This may involve sharing information with, and obtaining information

from, our group companies and third parties such as (re)insurers, other brokers, loss adjusters,

credit reference agencies, service providers, professional advisors, our regulators or fraud

prevention agencies.
We may record telephone calls to help us to monitor and improve the service we provide as

well as for regulatory purposes.
Please see our Privacy Notice for further information on how your personal data is used,
shared, disclosed and retained, your rights in relation to your personal data and how to contact

our Data Protection Officer. Our Privacy Notice can be found at

https://www.ajg.com/uk/privacy-policy/
From time to time we may make important updates to our Privacy Notice and these may in

turn affect the way we use and handle your data. Please ensure you review our Privacy Notice

periodically to ensure you are aware of any changes.
If you are entering into this agreement in the course of your business, or as a charity, for

charitable purposes and providing information on other individuals to us, for example your

employees and/or any other party that would be covered under the insurance policy we may

be placing or services we may provide to you, you shall ensure that individuals whose personal

Page 7

data you are providing to us have been provided with fair processing notices that are sufficient in scope and purpose, and that you have obtained all appropriate consents, where required, or are otherwise authorised, to transfer the personal data to us and enable us to use the personal data and process the personal data for the purposes of this agreement and as set forth in our Privacy Notice. You must not share personal data with us that is not necessary for us to offer, provide or administer our services to you.

7. Fraud Awareness

To help prevent fraud - before requesting your bank details to provide you with a refund by phone, we will always validate with you information that we hold on file; information that only you would know. This information could include your address or specific policy details. Any refund we provide will only be for one of three reasons:

Arthur J. Gallagher Insurance Brokers Limited will never request sensitive information, such as, passwords, usernames or a mother’s maiden name.

If you receive a phone call and are unsure it is from us, you can always call us to verify we are who we say we are. Please call your usual contact, or call us on the telephone number shown within this document.

8. Employers Liability Insurance – What you need to know

Employers’ Liability Insurance

Since 1st October 2008 Employers are allowed to display their employers’ liability certificate in an electronic format, so long as it remains accessible by all employees.

Although the law no longer requires you to retain certificates, we strongly recommend that you continue to do so. We believe that it is in your own interest to retain copies. Where no records can be found, you will be responsible for payment of any claim, particularly in relation to socalled ‘long-tail’ industrial diseases such as deafness and asbestosis.

9. Making a Claim

Step 1 Reporting a claim

Page 8

It’s understood that some of the information may only be indicative at the outset, but the more accurate the information provided, the more likely the advice given will meet your needs and also assist with the progress of your claim.

If you have opted to purchase our Gallagher Business Assist Loss Preparation and Presentation services and your claim relates to a Material Damage (Property) or Business Interruption incident, likely to exceed £10k, please activate that service by contacting the Gallagher Business Assist Team immediately on 03330 100 787 or email gallagherbusinessassistclaims@ajg.com.

Step 2 Claims Handling & Investigation

Page 9

If you have opted to purchase our Gallagher Business Assist Loss Preparation and Presentation services and your claim relates to a

Material Damage (Property) or Business Interruption incident, likely to exceed £10k, please activate that service by contacting the Gallagher Business Assist Team immediately on 03330 100 787 or email gallagherbusinessassistclaims@ajg.com

Step 3 Conclusion/Resolution of Claim

Exceptions - Assistance and Complaints

Examples of where we may be able to assist include:

Page 10

Terms of Business Agreement

Arthur J. Gallagher Insurance Brokers Limited

Contents

Scope and application................................................................................................................... 4 Who are we? ................................................................................................................................ 4 What do we do? ........................................................................................................................... 4 Which insurers do we use? .......................................................................................................... 5 How are we paid for our services? ............................................................................................... 5 How do we maintain your privacy? ............................................................................................... 5 Confidential Information ............................................................................................................... 6 How do we handle your money? .................................................................................................. 6 Insurer Money (money we hold as agent of an insurer): .................................................... 6 Client Money (money we hold as your agent): .................................................................. 6 Holding both insurer and Client Money ............................................................................. 6 Payment to third parties: ................................................................................................... 6 Financial Services Compensation Scheme .................................................................................. 6 Your obligations ........................................................................................................................... 7 Anti-bribery, corruption and financial crime .................................................................................. 7 Your premium payment obligations .............................................................................................. 7 Your policy documents ................................................................................................................. 8 Making a claim ............................................................................................................................. 8 Conflicts of interest ...................................................................................................................... 8 Complaints ................................................................................................................................... 8 Other territories ................................................................................................................. 8 Right of set-off ............................................................................................................................. 9 Intellectual property rights ............................................................................................................ 9 Termination .................................................................................................................................. 9 Cancellation of your policy ........................................................................................................... 9 Currency conversion .................................................................................................................... 9 Severability .................................................................................................................................. 9 Notices ........................................................................................................................................ 9 Third party rights .......................................................................................................................... 9 Unexpected acts or events .......................................................................................................... 9 Transfer of this agreement ........................................................................................................... 9 Governing law and jurisdiction ................................................................................................... 10 Limitation of Liability .................................................................................................................. 10

Scope and application

This agreement, together with any separate written agreement between you and Arthur J. Gallagher Insurance Brokers Limited (‘AJGIBL’), sets out the terms on which we agree to act for you when we are instructed to provide services by you.

In this agreement ‘we’, ‘us’ and ‘our’ means AJGIBL. References to ‘insurers’ include insurers, underwriters, managing agents or, where applicable, reinsurers with whom we place business. As appropriate, references to ‘insurance’ or ‘insured’ include reinsurance and reinsured respectively. Additionally, any reference to ‘policy’ shall mean an insurance or reinsurance policy, as appropriate.

It is important that you read this agreement carefully as it contains details of our statutory and regulatory responsibilities and your contractual obligations, on which we intend to rely.

If there is anything you do not understand in this agreement you should inform us otherwise we will assume you are providing your informed consent to this agreement.

This agreement replaces any terms of business agreement that we may have previously agreed with you. If you have a separate service level agreement in place with us then the terms of that agreement must be read together with this agreement. In the event of a conflict, the terms of your service level agreement will take precedence over this agreement.

We may change the terms of this agreement from time to time. This may be:

We will tell you if we have materially changed these terms for any of these reasons and, in any event we will inform you of such changes before your policy is due to renew.

We may also change the terms of this agreement for other reasons, but if we do, we will notify you in advance and you will have the right to terminate this agreement within 30 days of such notification.

Who are we?

AJGIBL is a company incorporated and registered in Scotland with company number SC108909 whose registered office is at Spectrum Building, 7[th] Floor, 55 Blythswood Street, Glasgow, G2 7AT. You can find out more about us at www.ajg.com/uk/.

We specifically draw your attention to the following sections:

Where your business is operated through an incorporated company, trust, limited liability partnership or partnership, we are entitled to assume that the recipient of this agreement has obtained authorisation or is entitled to consent to these terms on your behalf.

If you are a company or other body corporate, unless otherwise expressly stated in any separate written agreement between you and AJGIBL, you agree to and accept the terms of this agreement on your own behalf and on behalf of each of your group companies (where those group companies are receiving the benefit of our services). You will ensure that each of your group companies will act on the basis that it is a party to and bound by the agreement. All references in this agreement to ‘you’ and ‘your’ mean you and each of your group companies.

If you have instructed another insurance broker to deal with us on your behalf, we will assume unless told otherwise that the broker has full authority to agree the terms of this agreement with us and to deal with us on your behalf as your agent in relation to all matters covered by this agreement

We are an insurance intermediary, risk management and consulting firm authorised and regulated by the Financial Conduct Authority (‘FCA’). Our FCA firm reference number is 311786. We are permitted by the FCA to act as a general insurance intermediary, to arrange credit and collect payments. You can check these details by visiting the FCA’s website (www. fca.org.uk/register) or by contacting the FCA on 0800 111 6768 (+44 20 7066 1000 from overseas).

What do we do?

As an insurance intermediary, we usually act for you. We offer access to general insurance products and services provided by a wide range of UK and international insurers, including Lloyd’s of London.

Our services include advising you on your insurance needs, arranging insurance policies with insurers in order to meet those needs, provide associated risk management services and any other insurance related services. We will also help you to make changes to your insurance policy if required and will remind you when your policy is due for renewal as appropriate. Unless your policy states otherwise, or we agree, we will provide you with assistance in submitting a claim and with obtaining reimbursement from insurers.

In certain circumstances, we may act for your insurer, for example, where we have delegated underwriting authority and/or claims settlement authority, or where we have entered into a managing general agency agreement with one or more insurers. In cases where we are acting on behalf of the insurer, we will be acting as their agent. Please see the section headed Conflicts of interest for more information about how we manage these arrangements.

Arthur J. Gallagher Insurance Brokers Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: Spectrum Building, 7th Floor, 55 Blythswood Street, Glasgow, G2 7AT. Registered in Scotland. Company Number: SC108909. www.ajg.com/uk/.

©2020 Arthur J. Gallagher & Co. All rights reserved

We cannot arrange insurance for you until we have received complete instructions from you. Your insurance cover is not in place until we have confirmed it to you in writing or we have issued evidence of cover.

We do not offer advice in relation to tax, accounting, regulatory or legal matters (including sanctions) and you should take separate advice as you consider necessary regarding such matters.

.

Which insurers do we use?

In finding an insurance solution that meets your demands and needs, we may either conduct a market analysis of potential insurers, or we may only consider a specific product from a single insurer, or products from a panel of insurers. We may also place your insurance using alternative access to insurers, including through our managing general agents, which may include our group managing general agent, Pen Underwriting and our other group companies who may have similar arrangements with insurers.

We use publicly available information, including information produced by credit rating agencies, to identify insurers with whom we will consider placing your business. We do not guarantee the financial status of any insurer. You may require us to use an insurer that we would not ordinarily recommend due to their credit rating. In the event of an insurer experiencing financial difficulties, you may still have a liability to pay any outstanding premium and we are not responsible for any shortfall in amounts due to you in respect of any claims.

We are available to discuss with you any concerns you have with the insurer you have chosen for your insurance policy(ies).

How are we paid for our services?

Payment for our services may be by way of:

Payment for our services may be a combination of (a) (b) and (c). We do not intend to apply any commission value to the taxation element of any insurance premium.

Details of any fees/charges, whether applicable under (a), or (c), together with details of services to which these relate and the basis on which these are made, will be declared to you in advance of them being incurred so that you are able to make an informed decision. Where we are not able to provide an actual fee/charge, we will provide you with the basis of calculation of any fee/charge.

We may receive additional payments such as a profit share or profit commission from insurers, for instance, from insurers payable under a delegated underwriting authority or other facility or individual contract in recognition of overall profitability. We may also earn income from arranging premium finance.

We may also earn income from insurers or other sources in other ways. For example, we may receive income from insurers for ancillary services provided solely on their behalf.

Upon request, we will be pleased to provide details of any income we are due or have received as a result of placing your business. Unless we specifically agree otherwise, brokerage/commission and fees are earned when we arrange an insurance policy for you, or in the case of any other service when we commence providing that service to you.

However in respect of any payment made to us this will only be recognised as payment for the service when we have reconciled your payment. We will be entitled to retain all fees and brokerage in respect of the full period of contract(s) of insurance arranged by us including in circumstances where your policy has been terminated and your insurers have returned pro- rated net premium. Consistent with long established market practice, we will deduct our brokerage and other commissions from the premium once received.

If you decide to terminate our appointment in relation to policies we have placed on your behalf and where, (i) the policy or policies have not expired, and (ii) premium is due on the policy or those policies, we are entitled to any brokerage/commission originally due on the policy or policies and you will ensure the broker subsequently appointed to administrate the policy or policies agrees and accepts to collect the brokerage/commission and remit to us in good time.

How do we maintain your privacy?

We are the data controller of any personal data you provide to us. We collect and process personal data in order to offer and provide insurance services and policies and to process claims. Personal data is also used for business purposes such as fraud prevention and detection, financial management, to generate risk modelling, conduct analytics including to advise, improve and develop our products and services and to comply with our legal and regulatory obligations. This may involve sharing information with, and obtaining information from, our group companies and third parties such as (re)insurers, other brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies.

We may record telephone calls to help us to monitor and improve the service we provide as well as for regulatory purposes.

Please see our Privacy Notice for further information on how your personal data is used, shared, disclosed and retained, your rights in relation to your personal data and how to contact our Data Protection Officer. Our Privacy Notice can be found at https://www.ajg.com/uk/privacy-policy/ From time to time we may make important updates to our Privacy Notice and these may in turn affect the way we use and handle your data. Please ensure you review our Privacy Notice periodically to ensure you are aware of any changes.

If you are entering into this agreement in the course of your business, or as a charity, for charitable purposes and providing information on other individuals to us, for example your employees and/or any other party that would be covered under the insurance policy we may be placing or services we may provide to you, you shall ensure that individuals whose personal data you are providing to us have been provided with fair processing notices that are sufficient in scope and purpose, and that you have obtained all appropriate consents, where required, or are otherwise authorised, to transfer the personal data to us and enable us to use the personal data and process the personal data for the purposes of this agreement and as set forth in our Privacy Notice. You must not share personal data with us that is not necessary for us to offer, provide or administer our services to you.

Confidential information

During the course of this agreement we shall both provide the other with information (other than personal information) and each party will treat information received from the other relating to this Agreement as confidential and will not disclose it to any other person not entitled to receive such information except as may be necessary to fulfil their respective obligations in relation to this agreement and except as may be required by applicable law or regulatory authority. For the avoidance of doubt, and always observing the requirement to ensure your information is held in a confidential manner, we shall be entitled to disclose such information relating to you (where necessary) to perform our obligations under this agreement, to insurers or reinsurers, actuaries, auditors, professional agents, advisers or other parties that we may require in order to provide our service to you. This section will not apply to information which was rightfully in the possession of a party prior to this agreement or which is already public knowledge/ becomes so at a future date (otherwise than as a result of a breach of this section) or which is trivial or obvious.

How do we handle your money?

In our role as an intermediary between you and your insurers we may hold money:

For your protection, the way that we handle your money is designed to protect your interests in the event of our financial failure.

Insurer Money (money we hold as agent of an insurer):

Where we have an agreement with your insurer to hold money as their agent, any premiums you pay to us are treated as having been received by the insurer as soon as they are received by us. Claims payments and/or premium refunds are treated as received by you when they are actually paid to you.

Where we receive monies as agent of your insurer, we can only deal with that money in accordance with the instructions of the insurer. This means that, for example, if you want us to return such monies to you, we can only do so with the agreement of the insurer.

Client Money (money we hold as your agent):

Where we do not have an agreement with your insurer to hold money as their agent, we will hold premiums you pay to us as your agent. Money we receive from your insurer which is payable to you will be your property whilst we hold it.

We may also hold money as your agent where you have paid this to us in respect of our fee for a service, until such time as we have reconciled the payment against the relevant service.

Money we hold as your agent is referred to as ‘Client Money’.

FCA rules require us to keep Client Money separate from our own money. We hold Client Money with an approved bank, segregated in a client account subject to a Non-Statutory Trust (‘NST’). The aim of the NST is to protect you in the event of our financial failure. If such an account is held outside the United Kingdom, it may be subject to different laws and regulations, which may mean that the Client Money held in that account is not protected to the same extent as it would be if it were held in the United Kingdom, or at all. Please tell us if you do not wish us to hold any money for you in a particular jurisdiction.

We may use Client Money held in the NST on behalf of one client (‘Client A’) to pay another client’s premium (‘Client B’) before we receive such premium from Client B. We may also make claims payments/ premium refunds to other clients before monies are received from the insurer. Although there may be occasions when we do this, it is not our policy to routinely cross- fund in this way. For the avoidance of doubt, we may not use Client Money to pay ourselves commissions before we receive the relevant premium from you.

We may invest Client Money held in the NST in accordance with FCA rules relating to Client Money. If we do invest money in this way, we will be responsible for meeting any shortfall in the value of the investments at the time of their realisation. Any interest or profits earned on Client Money held by us will be retained by us for our own use, rather than paid to you.

Any interest earned on Client Money held by us will be retained by us for our own use, rather than paid to you.

Holding both insurer and Client Money

We may hold both insurer and Client Money together in the NST. When this happens, your interests as our client will continue to be protected.

Payment to third parties:

We may transfer Client Money to another person, such as another broker or settlement agent, for the purpose of carrying out a transaction on your behalf through that person. This may include brokers and settlement agents outside the UK. The legal and regulatory regime applying to a broker or settlement agent outside the UK may be different from that of the UK. This means that, in the event of a failure of the broker or settlement agent, this money may be treated in a different manner from that which would apply if the money were held by a broker or settlement agent in the UK. You may notify us if you do not wish us to pass your money to a person in a particular jurisdiction.

We may also transfer Client Money to a professional services firm such as a loss adjuster, surveyor or valuer unless you instruct us otherwise.

Financial Services Compensation Scheme

We are covered by the Financial Services Compensation Scheme (‘FSCS’). You may be entitled to compensation from the FSCS if we cannot meet our financial obligations to you. This depends on the type of insurance contract that we have arranged for you, certain eligibility criteria and the circumstances of the claim.

Further details regarding the FSCS are available online at www.fscs.org.uk or by calling 0800 678 1100 (+44 20 7741 4100 from overseas).

Separately, your insurer and/or you may be covered by a different compensation scheme.

Your obligations

You will not instruct us to provide services which would cause us, nor use our services in any way, to violate applicable laws including without limitation bribery, anti-corruption, money laundering sanctions, or data protection laws.

You are required to make a fair presentation of the risk to an insurer which discloses every material circumstance which you know or ought to know relating to the risk to be insured. This includes information known by your senior management and those responsible for arranging your insurance as well as information which would reasonably have been revealed by a reasonable search of information available to you.

A circumstance is material if it would influence the judgment of a prudent insurer in determining whether to provide insurance for the risk and, if so, on what terms. Disclosure must be reasonably clear and accessible to a prudent insurer. Material representations of fact must be substantially correct and material representations of expectation/belief must be made in good faith. Failure to comply with the duty of fair presentation could mean that your policy of insurance is void or that insurers are not liable to pay all or part of your claim(s).

The above duty of disclosure is the applicable duty under the laws of England, Wales, Scotland and Northern Ireland. You may have different obligations if your policy of insurance is subject to a different law. As a minimum, we expect you to disclose your information in accordance with the duty set out above.

For certain types of insurance covers you may be required to complete and sign a proposal form or questionnaire. Take care to ensure that the information you provide is complete and accurate. Note that if you are aware of anything that you feel may be material to the proposed policy of insurance you should disclose it, even if there does not appear to be a question on the proposal form or questionnaire that covers the particular point. If you are in any doubt as to whether information is material, you should disclose it.

To comply with financial crime or Sanctions requirements, we may be prohibited from providing broking or risk consulting services, including placement and claims handling services; may be required to take actions such as freezing the funds in which parties subject to Sanctions have an interest; or may make regulatory notifications or licence applications as required or appropriate in accordance with Sanctions. Your insurers and other third parties we deal with, such as financial institutions, may also apply their own policies or restrictions.

You acknowledge and agree that we reserve the right to take steps to comply with financial crime or Sanctions (and we will not be liable to you for this or for similar steps taken by third parties).

You should advise us of all of the countries connected to the (re)insurance you require. We reserve the right not to perform obligations under this agreement to the extent that this would be contrary to our commercial risk appetite or where performance would be impracticable including because of bank policies restricting the processing of premiums, claims funds or fees related to such countries or related parties.

Please be aware that we are generally restricted from providing broking, claims handling or other services that relate to Cuba and Ira ~~n-~~ including because of significant difficulties in processing payments and other commercial and reputational considerations.

Your premium payment obligations

Insurers require you to pay premium at or before the start date of each policy, or as otherwise specified under the policy terms. You must pay all monies due in cleared funds in accordance with the amounts and on or before the dates specified in our invoice(s). If you do not make payment within that period, insurers may cancel your policy and may also require that you pay a premium in relation to the time that you have been on risk. It is therefore very important that you meet all payment dates.

Where you have instructed us to obtain insurance on your behalf, to the extent that we are required to meet your premium payment obligations, we reserve the right to recover those monies from you.

Anti-bribery, corruption and financial crime

Use of Premium Finance Companies:

You agree that you will ensure that at all times you comply with all laws, statutes and regulations that apply to you relating to antibribery and corruption, including the UK Bribery Act 2010 and (if it applies to you or any of your group companies) the US Foreign and Corrupt Practices Act 1977. Accordingly, if you accept gifts or hospitality offered to you by us or any of our group of companies, we will deem the acceptance to be in accordance with any gifts & hospitality policy/ies you may have.

Please be aware that we are required to obtain adequate ‘Know Your Client’ information about you. In order to prevent bribery, corruption, fraud or other financial crime, we may take further steps, including notification to the relevant authorities, carrying out status and credit checks using credit reference agencies, and other screening background checking as appropriate.

Policies may include clauses on financial and trade sanctions, antimoney laundering and export controls ~~,~~ (‘Sanctions’). How you comply with Sanctions is specific to your business: you should take legal advice where necessary and pay special attention to relevant policy clauses.

You may be able to pay premium payments by instalments through a credit scheme operated by a third party premium finance company or insurer. Please note that we can only pay premium to insurers on your behalf once we have cleared funds from you or the premium finance company.

Please note that we do not recommend any particular credit provider. If you wish to pay premium by instalments, we are able to introduce you to credit providers (which may include a third party premium finance company or an insurer). There may be other credit providers (including insurers) able to offer better credit terms than those that made available to you by a party we have introduced you to.

Where you decide to enter into a credit scheme for the payment of premium, you will receive separate terms and conditions from the relevant premium finance company or insurer which will govern that arrangement. You agree that, in accordance with the terms of any such credit scheme or otherwise, we may instruct your insurer to cancel your policy if you are in default under the credit scheme and that any return premium or other payment due from the insurer may be applied to discharge your liability or liability we have assumed on your behalf under the credit scheme without further reference to you.

Your policy documents

You will receive written terms and conditions of any insurance policy we arrange for you. Please check these documents and advise us as soon as reasonably practicable if the terms of the cover arranged are not in accordance with your requirements. Please pay special attention to the claims notification provisions and to any warranties and conditions (including as to the payment of premium) as any failure to comply with these terms may invalidate your cover.

The documents relating to your insurance will confirm the basis of the cover from the relevant insurer(s) and provide their details and if applicable, the insurer’s agent. It is therefore important that you keep all of your policy documents in a safe place. It is our current practice to retain client information for at least six years or such other period required under relevant law or regulations.

Making a claim

Your insurance policy will usually require you to notify all claims and/or circumstances that may give rise to a claim as soon as possible. If you are unsure whether a matter needs to be notified please contact us and we will endeavor to assist you.

Where we have agreed to handle claims on your behalf, we will do so fairly and promptly. If we receive claims payments for you, we will remit them to you as soon as reasonably practicable after receipt.

We reserve the right to charge an additional or separate fee (based on the nature of the work and duration and agreed with you in advance) to negotiate a large or complex claim on your behalf.

Conflicts of interest

Circumstances may arise where we have a conflict of interest between us (including our managers, employees or agents) or another of our group companies and you, or between you and another of our clients. We always aim to treat you fairly and avoid conflicts of interest. We never deliberately put ourselves in a position where our interests, or our duty to another party, prevent us from discharging our duty to you.

We may arrange insurance for you through another company in the Arthur J. Gallagher group which acts on behalf of one or more insurers. An example may include a placement with a separate underwriting team within Arthur J. Gallagher Insurance Brokers Limited, Pen Underwriting Limited or Arthur J. Gallagher UK Limited.

In arranging an insurance solution that meets your demands and needs, we will ensure that our duty to you does not conflict with the duties that an Arthur J. Gallagher group company owes to the insurers that it represents.

We follow our own conflict management policies and procedures (for example, using information barriers). These are designed to prevent any conflicts of interest adversely affecting or compromising your interests. However, in some cases, where we cannot be reasonably confident that we can prevent the risk of damage to your interests, we will discuss this with you. If you have any concerns in relation to conflicts of interests, please contact us.

Complaints

We value our relationship with you and we welcome feedback on the service you receive from us. Please tell us if you are dissatisfied with part of our service so that we can improve our products or services. Our aim is that you should benefit from a high quality service using our experience and breadth of insurance broking expertise. We always try to provide a high standard of service but if you ever have cause to complain, please do so by contacting your usual AJG representative by whatever means is convenient to you.

If you wish to deal with someone wholly independent of the branch or division that has been servicing your business, please contact:

Address: Complaints Management Team 7th Floor Spectrum Building 55 Blythswood Street Glasgow G2 7AT

Email: commercialcomplaintsuk@ajg.com

We will acknowledge written complaints promptly. Our complaints procedure is available on request.

If you feel that we have not been able to resolve the matter to your satisfaction, after this process you may have the right (subject to eligibility) to refer your complaint to the Financial Ombudsman Service; this address is:

The Financial Ombudsman Service Exchange Tower London E14 9SR

Telephone: 0800 0234 567 (from landline) Telephone: 0300 123 9 123 (from mobile)

Email:complaint.info@financial-ombudsman.org.uk

Website: http://www.financial-ombudsman.org.uk

Whether or not you make a complaint to us and/or refer your complaint to the Financial Ombudsman Service, your right to take legal action will not be affected.

Other territories

Other territories may also offer complaints and dispute resolution arrangements that we are required to follow where we are held to be doing business there.

We may act as agent of an insurer under a delegated underwriting authority and/or delegated claims settlement authority. In these instances, where we act as your agent for your insurance needs we will always act in your best interests when arranging your policy.

As part of paying your claim, your insurer may require us to deduct the value of sums due (such as premiums or instalments under a credit scheme) before sending the balance of any claims payment to you.

Right of set-off

If you are a business, we may at any time, without notice to you, set off any liability of yours to us against any liability of us to you, whether either liability is present or future, liquidated or unliquidated, and whether or not either liability arises under this agreement.

If the liabilities to be set off are expressed in different currencies, we may convert either liability at a market rate of exchange for the purpose of set-off. Any exercise by us of our rights under this clause will not limit or affect any other rights or remedies available to us under this agreement or otherwise..

Intellectual property rights

We (or our licensors) will retain all ownership, title, copyright and other intellectual property rights in all materials developed, designed or created by us before or during the provision of services to you including systems, methodologies, software, know-how and working papers. We will also retain all ownership, title, copyright and other intellectual property rights in all reports, written advice or other materials provided by us to you. We grant you a royalty - free licence to use those materials, but only for the purposes for which they were created under this agreement and only for as long as this agreement remains in force.

Termination

Without prejudice to any rights that have accrued under this agreement or any other rights or remedies, either party may terminate the services contemplated under this agreement by giving not less than 30 days’ notice in writing to the other.

If our appointment as your broker is terminated or not renewed, we reserve the right to charge an additional or separate fee, agreed with you in advance, for any ongoing services performed from the date on which our appointment terminates. The terms of this agreement will continue to apply in relation to those ongoing services.

Notwithstanding anything else contained in this agreement, we are not required to act for you, or to continue to act for you, if we reasonably consider that to do so would put us in breach of, or would expose us or our affiliates to fines, penalties or sanctions under, any laws, regulations or professional rules. In such circumstances, we will be entitled to terminate our existing relationship with you with immediate effect and will not be responsible or liable to you for any direct or indirect loss which you or any other party may suffer as a result.

Cancellation of your policy

Your insurance contract may include a cancellation clause. For more details, please refer to your insurer’s policy documents. If you wish to cancel a policy please let us know. If your policy is cancelled, the insurer will determine any return premium in relation to policies placed by us.

Currency conversion

We may have to convert funds to another currency in order to settle amounts due to insurers. If a repayment of funds is due to you or is requested by you after the currency is converted, then any such payment will be made in the currency to which the funds have been converted. Any shortfall arising from exchange differences remains your liability. If you pay a premium in a different currency or to a bank account in a different currency from that requested, we may, at our discretion, either return the funds to you or convert the money to the required currency. In the latter case, the converted funds will be applied against the amount due with any shortfall arising from exchange differences remaining your liability.

Severability

The invalidity, illegality or unenforceability of any of the provisions of this agreement will not affect the validity, legality or enforceability of the remaining provisions in this agreement.

Notices

If notice is given to us under or in connection with this agreement, except as expressly provided in this agreement, it must be in writing and sent to our registered address. We are entitled to give you a notice under or in connection with this agreement at your registered address (if a company or limited liability partnership) or at your last known address (in any other case).

Third party rights

A person who is not party to this agreement has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce or to enjoy the benefit of any term contained in this agreement.

Unexpected acts or events

Neither party will be in breach of this agreement nor liable for delay in performing, or failure to perform, any of its obligations under this agreement if such delay or failure results from events, circumstances or causes beyond its reasonable control. In that event, the affected party will notify the other as soon as reasonably practicable.

Transfer of this agreement

Neither party can transfer their rights nor obligations under this agreement in whole or in part to anyone else, except that:

Please see the section above ‘How are we paid for our services?’ in relation to our rights to payment of brokerage/commission and fees in the event of policy termination.

Governing law and jurisdiction

The law of England and Wales will apply to this agreement unless, at the date of this agreement, your registered office or principal place of business is situated in Scotland, Northern Ireland, the Channel Islands or the Isle of Man, in which case the law of that jurisdiction will apply.

The parties irrevocably agree that the courts of England and Wales will have the necessary jurisdiction to settle any dispute or claim that arises out of or in connection with this agreement or its subject matter.

Limitation of Liability

This section shall apply to all services which we provide to you pursuant to this agreement. If we or any of our group companies are liable to you in respect of any losses, liabilities, damages, costs, expenses or claims arising out of or in connection with the services (collectively 'Losses') and (subject to the following paragraph) any other person is liable to you in respect of some or all of the same Losses (on any basis), our liability and that of our group companies in respect of such Losses shall be limited so as to be proportionate to the relative contribution of ourselves and our group companies having regard to the extent of responsibility of such other person for those Losses.

In determining the existence and extent of the responsibility of such other person for Losses for the purposes of the preceding paragraph, no account should be taken of any agreement limiting the amount of damages payable by such person or of any actual or possible shortfall in recovery of this amount (whether this is due to settling or limiting claims, or any other reason).

To the extent permissible under applicable laws, regulations or rules, the aggregate liability of ourselves and our group companies to you and your group companies in respect of all Losses however caused, including arising as a result of breach of contract or statutory duty, negligence or any other act or omission or breach of duty shall be limited to £10 million (ten million pounds), or such other amount in US $ or any other currency that is specifically agreed with you in writing.

Notwithstanding the preceding paragraph, we and our group companies shall not be liable to you and your group companies, whether as a result of breach of contract or statutory duty, negligence or any other act or omission or breach of duty, for any loss of profit or any special, indirect or consequential Losses arising under or in connection with the services provided.

You agree that we and our group companies have a legitimate interest in limiting the exposure of our and our group companies’ directors, officers and employees to litigation and that you will not bring or assist in bringing any claim against any of our or our group companies’ directors, officers or employees in their personal capacity arising out of or in connection with the services provided.

The limitations of liability and exclusions contained in this section shall not apply to:

any Losses or liabilities arising as a result of (a) fraud, willful default or gross negligence by us or any of our group companies; or (b) death or personal injury, in each case in jurisdictions where such limitations or exclusions would not be permitted under applicable laws, regulations or rules; or

any of our (or our group companies’) Losses or liabilities to the extent that the limitation or exclusion of such Losses or liabilities would not otherwise be permissible under applicable laws, regulations or rules.

For the avoidance of doubt this section shall be for the benefit of ourselves and our group companies and any of our or their respective directors, officers, employees or consultants involved in the provision of the services. Any such person shall be entitled to rely upon and enforce its terms.