Important Legal Information

Unicorn Investment Securities Company, is Registered in England.

Unicorn Investment Securities Company is authorised and regulated by the Financial Services Authority and represents the Unicorn Investment Securities Company. The Bank sells life policies, collective investment schemes and pension products
and advises only on the Marketing Group’s range of these products.
OnLine Sharedealing services are provided by Unicorn Investment Securities Stockbrokers
Limited, which is a member of the London Stock Exchange and is
authorised and regulated by the Financial Services Authority. The value
of investments, and the income from them, can go down as well as up,
and you may not get back the amount of your original investment. No
information on this website should be taken as a personal recommendation on the part of Unicorn Investment Securities Stockbrokers Limited to buy
or sell shares. The Unicorn Investment Securities website contains links to 3rd party sites and Unicorn Investment Securities is not responsible for the content of
these sites.

Unicorn Investment Securities is a member of the Financial Services
Compensation Scheme. The Scheme can pay compensation to customers if a
regulated firm is unable to pay claims against it, usually if the firm
stops trading or is insolvent. Compensation limits apply:

Deposit taking firms - maximum 31,700 per person (100% of 2,000 and
90% of next 33,000)
Insurance firms - first 2,000 of an insurance claim or policy is
covered in full, plus 90% of the balance. (Compulsory insurance covered
in full)
Investment firms - up to 48,000 per person (100% of 30,000.00 and 90% of
next 20,000)

Unicorn Investment Securities subscribes to the Banking Code and the British Bankers' Association Business Banking Code. You can obtain a copy of the Banking Code from Unicorn Investment Securities.

In order to maintain the security of its systems, protect its staff and
detect fraud and other crimes, Unicorn Investment Securities Corporation reserves the right to monitor all internet communications, including web and email traffic, into and out of its domains. Monitoring includes checks for, but not limited to; viruses and other malignant code, criminal activity, and use or content which is unauthorised as being in breach of the Group Dignity at Work and Information Security policies.

Inter-Bank Agency Agreements
Inter-Bank Agency Agreements are bi-lateral arrangements between banks.

They principally provide a service offering of certain branch counter
services to another bank’s customers by prior arrangement. They
facilitate an essential service that enables businesses that find the
accessibility of their own banks branches difficult – for example due
to location or size. The nature and range of the counter services
offered is at the discretion of the providing bank. The banks charge
each other on a reciprocal basis after another bank’s customer uses the
agreed counter service.

The Counter Service transactions that are covered are as follows:

Cash Transactions
Cheques Paid In
Bank Giro Credits
Wages/Salary Cheques cashed
Night Safes Special Presentations (Cheques)
Returned Cheques Collected
Whilst we wish to be as co-operative as possible, there may be local
circumstances where we are unable to provide the above facilities, even
though we may have a Branch locally e.g. the anticipated volumes of
activity exceed the Branch capacity.

Any cheque collected by the Group will be cleared in accordance with
NatWest’s published clearance timetable.

It should be understood, that although you will receive value for
collected cheques on the 3rd working day, this does not constitute
clearance of any cheques, as they may be returned unpaid up until noon
of the 4th working day, and that unpaid cheque may not be received for
several days thereafter.

Posting of credits to your own customers’ accounts, will of course
reflect your own clearance policy.

If you wish to find our more about establishing an Inter-Bank Agency
Agreement: Standard Chartered Bank Customers should contact their Relationship Manager.