Private & Confidential

Mr Tomasz Winter
54 Cordelia Close
Stratford-Upon-Avon
CV37 0AN

19/10/2022

Dear Mr Winter YOUR POLICY NUMBER

Your Tenants Liability Insurance renewal TLI32016151

With your Tenants Liability Insurance renewal just around the corner, we’re delighted to
provide you with your policy documents for the year ahead.
SAFE AS HOUSES
Your new premium is shown in this letter and on the enclosed Policy Certificate and is
Award winning UK based call
based on the information we currently hold about you. When arranging your policy, you
centre
will have considered your demands and needs and chosen the most appropriate cover.
We are offering renewal of your policy on the basis of your previous requirements. £5,000 of cover against accidental
damage to landlords contents
Paymentshield’s Tenants Liability Insurance provides protection for tenants in the event of
accidental damage to their landlord's property, for which they'd be liable under the terms
New for old replacement as standard
of their tenancy agreement.

The enclosed documents confirm the specific cover and the key features of the policy you YOUR NEW PREMIUM
have chosen. We recommend that you review the information we have provided and the
cover you have selected and ensure that Paymentshield continues to give you the cover Here’s a breakdown of how your
and protection most suited to your needs. If you have any questions or need to make any new premium compares to your
changes to your policy just give us a call and we’ll be happy to help. current premium

Your current Your new

Your auto-renewal preference premium* premium
Your policy is set to automatically renew, so there’s nothing you need to do in order for
your policy to continue and we will take payment via the same method as your previous Tenants
period of insurance. If you want to discuss your renewal, change your payment method or Liability £107.14 £107.14
opt out of automatic renewal service, you can contact us via telephone on 0345 6011 050 premium
or by using our chat service at www.paymentshield.co.uk. Normal cancellation terms Insurance £12.86 £12.86
apply, which can be found in your policy booklet. premium tax
Retail
Payment Method Premium £14.40 £14.40
As you have chosen to pay by monthly Direct Debit this will continue automatically unless Finance**
you tell us not to. Your payment schedule is shown in your enclosed loan agreement and
assumes that you are still able to meet the payments outlined. The loan agreement will be Total £134.40 £134.40
executed on 19/11/2022.
Please note: Your current premium
The Direct Debit will be collected using the bank details that you provided. If you would like shown above is based on the current
to change your bank details, your payment method or cancel your policy, please let us cost and cover selected
know as soon as possible. * Insurance Premium Tax is not payable on the
administration charge.
If you'd like to discuss your insurance or make any changes to your policy, please contact ** By paying monthly the total cost of your
premium is £134.40, you could opt to pay annually
our Customer Services Team on 0345 6011 050 and one of our advisers will be happy to for £120.00. Paying your premium monthly is more
help. Our lines are open 8am to 7pm, Monday to Friday, and 8am to 1pm on Saturday. expensive as there’s a charge for Retail Premium
Finance.

Yours sincerely,
Your renewal is a good time to check
that your policy still meets your needs
and you may wish to consider
shopping around to make sure you’re
getting the best deal.

Jon Bowen
Customer Director
Paymentshield and the Shield logo are registered trademarks of Paymentshield Limited (registered number 02728936) which is a company registered in England and Wales at
Paymentshield Limited, Southport Business Park, Wight Moss Way, Southport PR8 4HQ. Authorised and regulated by the Financial Conduct Authority.
© Paymentshield Limited 2021.PP00952 - Ref#Q1248
TENANT'S LIABILITY Certificate number: TLI32016151

POLICY CERTIFICATE Policy Booklet number: TLI/PS/001

PERIOD OF INSURANCE
Start date: 19 November 2022 Certificate effective date: 19 November 2022 Expiry date: 18 November 2023

PERSONAL & PROPERTY DETAILS

Name: Mr Tomasz Winter
Insured address: 54 Cordelia Close, Stratford-Upon-Avon CV37 0AN

LIABILITY FOR ACCIDENTAL DAMAGE TO LANDLORDS PROPERTY CAUSED BY YOU

Claims Limit: £ 5,000 Applicable Excess: £100

PREMIUM BREAKDOWN FOR THE PERIOD OF INSURANCE

Tenants Liability Insurance Premium

Insurer Total Cost
Premium (Exc. IPT) Tax (IPT)*

£107.14 £12.86 £120.00

*The total cost includes Insurance Premium Tax (IPT) at the current rate. If we are required by law to increase the level of IPT or
make any other changes, we will adjust your premium from the date any such charges are implemented. There are no other
fees or charges associated with this policy.

CANCELLING YOUR POLICY

This policy has a 14 day cooling off period which means you can cancel the policy back to the start date without charge
with a full refund of any premiums already paid, unless you’ve made a claim during this period.
Following the expiry of your cooling off period, you still have the right to cancel your policy at any time during its term. If you
do so, you’ll be entitled to a refund of the premium paid, with a deduction for the time for which you have been covered,
calculated on a pro-rata basis. If you’ve made a claim and you choose to cancel your policy, you may not be entitled to a
refund of the premium.

CONFIRMATION OF INSURANCE COVER

This is to certify that in accordance with the terms of your Policy Booklet TLI/PS/001 and on receipt and acceptance of the premiums as they fall due, Property Guard will
provide Tenants Liability cover for you. Details are set out in your Policy Booklet which should be read in conjunction with your Policy Certificate and Statement of Fact.

Any premiums or premium refunds held by Paymentshield Limited will be treated as held on behalf of the insurer for your information.

Please read this Policy Certificate, Statement of Fact and your Policy Booklet carefully and make sure you understand them. If you have a question about your insurance,
please write to Customer Services Department, Paymentshield, PO Box 229, Southport PR9 9WU or telephone 0345 6011 050.

Please note that you must comply with any terms and conditions set out in the Policy Booklet and this certificate, as otherwise you may not be able to claim under this
insurance.
This Certificate is dated 19 October 2022 and supersedes any previous Certificate issued in connection with this policy.

Authorised Signatory............................( Jon Bowen ) on behalf of Property Guard, a trading name of Motorplus Limited who are underwritten by Astrenska Insurance Limited..

Paymentshield and the Shield logo are registered trademarks of Paymentshield Limited (registered number 02728936) which is a company registered in England and Wales at
Paymentshield Limited, Southport Business Park, Wight Moss Way, Southport PR8 4HQ. Authorised and regulated by the Financial Conduct Authority.
© Paymentshield Limited 2021. Asset code: PP00237 Ref#Q1245.
TENANT'S LIABILITY Certificate number: TLI32016151

STATEMENT OF FACT Policy Booklet number: TLI/PS/001

IMPORTANT NOTE
THIS IS YOUR COPY OF WHAT YOU'VE TOLD US

To help us set up your insurance we’ve asked you a number of questions. Your insurance is offered on the basis of your answers
and the statement below is a record of the information you’ve given us. Please check this information carefully and tell us
immediately if any of these details are incorrect or change by calling 0345 6011 050.
We suggest you keep a copy of all the information you supply in connection with this insurance.
We may reassess your cover, terms and premiums when you tell us about changes in your circumstances. If you don’t tell us about
any changes, provide full answers and relevant details, or give us incorrect information or do not answer questions honestly or to
the best of your knowledge then your policy may be cancelled or a claim rejected or not fully paid.

PERSONAL & PROPERTY DETAILS

Name: Mr Tomasz Winter
Date of birth: 15/09/1978
Insured address: 54 Cordelia Close, Stratford-Upon-Avon CV37 0AN

SUITABILITY AND ELIGIBILITY

Is the property your main residence and within the United Kingdom: Yes
Are you a tenant with a tenancy agreement in place for the property: Yes
Do you have a contents policy for the property: No

AUTO RENEWAL
Renewal Preference: Opt-in
Your auto-renewal preference can be changed at anytime, to amend your preference you can contact us by telephone on
0345 601 1050 or by using our chat service at www.paymentshield.co.uk

Paymentshield and the Shield logo are registered trademarks of Paymentshield Limited (registered number 02728936) which is a company registered in England and Wales at
Paymentshield Limited, Southport Business Park, Wight Moss Way, Southport PR8 4HQ. Authorised and regulated by the Financial Conduct Authority.
© Paymentshield Limited 2021. Asset code: PP00948. Ref#Q1265
KEY FACTS
ABOUT OUR INSURANCE SERVICES
The information below is a summary of our services. Full Terms of Business are freely available on request or can be found on our
website at www.paymentshield.co.uk/tob. Please use this information to decide if our services are right for you.

WHO REGULATES US
Paymentshield Limited is authorised and regulated by the Financial Conduct Authority (FCA). FCA registration number: 312708.
Our permitted business includes: arranging, administering, and lending, all in connection to general insurance policies.

You can check our details on the Financial Services Register (www.fca.org.uk/register) or by contacting the FCA (www.fca.org.uk)
on 0800 111 6768 or 0300 500 8082. The Financial Conduct Authority is an independent watchdog that regulates financial services.

OUR SERVICES
We will act for you when we establish your insurance requirements, when we match your needs to available products, and
when we provide the key features of a policy, but you will not receive advice from us. We may ask some questions to narrow
down the selection of products that we will provide details on. You will then need to make your own choice about how to
proceed. We will be acting as an agent of the insurer when we administer the policy/policies.

WHAT WILL YOU HAVE TO PAY US FOR OUR SERVICES?

We do not charge you a fee for our services other than an Administration Charge to cover the activities undertaken on behalf
of the insurers throughout the lifetime of the policies. A breakdown of the full cost of all policies will be clearly disclosed to you
and confirmed in writing.

As a distributor of insurance, we also receive commission from the insurer which is a percentage of the total premium for the
policy/policies. In addition, Home and Landlord insurers provide us with periodic incentives (such as bonus payments) if we
meet certain sales and/or profitability targets as well as an additional fee for marketing their products.

WHOSE PRODUCTS DO WE OFFER?

We only offer products from a carefully selected panel of insurers for Home Insurance for home owners and tenants and
Landlords Insurance for property owners. Your Insurer Schedule will show which insurer provides the cover on your policy.

We are contractually bound to only offer products from: Arc Legal Assistance Limited (’Arc Legal’) for Home Emergency
and Legal Expenses covers sold with our Home Insurance products; and Arc Legal Assistance Limited (’Arc Legal’) for Tenants
Liability Insurance; and Arc Legal Assistance Limited (‘Arc Legal’) and Legal Insurance Management Ltd (‘LIM’) for Landlords
Emergency, Landlords Legal Expenses and Rent Protection covers sold with our Landlords Insurance products and for our
stand-alone Rent Protection product.

WHAT IF THINGS GO WRONG?

If you wish to register a complaint, please contact us by writing to: The Customer Operations Team, Paymentshield Ltd, PO Box
229, Southport, PR9 9WU; by phoning: 0345 6011 050; or emailing us at enquiries@paymentshield.co.uk.

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme
if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Further information
about compensation scheme arrangements is available from the FSCS.

Paymentshield and the Shield logo are registered trademarks of Paymentshield Limited (registered number 02728936) which is a company registered in England and Wales at
Paymentshield Limited, Southport Business Park, Wight Moss Way, Southport PR8 4HQ. Authorised and regulated by the Financial Conduct Authority.
© Paymentshield Limited 2021. Asset code: PP010016 Ref#Q56.
PRE CONTRACT Certificate number: TLI32016151
Standard European Agreement number: 103707682

Consumer Credit Information

CONTACT DETAILS
Creditor: Paymentshield Limited (referred to as “we”, “us” and “our”)

Address: Paymentshield Limited, Southport Business Park, Wight Moss Way, Southport,
Merseyside, PR8 4HQ

Telephone Number: 0345 6011 050

KEY FEATURES OF THE CREDIT PRODUCT

The type of credit: Fixed sum (restricted use) debtor creditor supplier loan regulated by the
Consumer Credit Act 1974 for the provision of insurance services

The total amount of credit: £120.00

This means the amount of credit to be provided under the

proposed credit agreement.

How and when credit would be provided: We will provide the credit as a direct payment for the insurance policy
referred to below. The credit will be treated as provided and drawn down
from the date that the Loan Agreement is confirmed as executed by us

The duration of the Loan Agreement: 12 months from the date that the agreement is executed

Repayments: We will collect:

(i) One payment of £11.20 followed by
(ii) 11 monthly payments of £11.20 payable on the same day of each
consecutive month.

The total amount you will have to pay:
This means the amount you have borrowed plus interest and
other costs.
The total amount payable is £134.40, being the sum of the total amount of
credit £120.00 and the total charge for credit £14.40 (comprising interest
only). Please note, you could save money on your premium by opting to
pay via one annual payment.

The proposed credit will be linked to the A twelve (12) month Tenant's Liability Policy
supply of specific goods or the provision of a
service.
Description of the goods/services:

Cash Price: £120.00

Paymentshield and the Shield logo are registered trademarks of Paymentshield Limited (registered number 02728936) which is a company registered in England and Wales at
Southport Business Park, Wight Moss Way, Southport PR8 4HQ. Authorised and regulated by the Financial Conduct Authority.
@ Paymentshield Limited 2020. Asset code: CO217 Ref#PS0048-1.
 COSTS OF THE CREDIT
The rates of interest which apply to the credit
agreement:
Annual Percentage Rate of Charge (APR):
This is the total cost expressed as an annual percentage of
the total amount of credit. The APR is there to help you
compare different offers.
Costs in the case of late payments:
Consequences of missing payments:
OTHER IMPORTANT LEGAL ASPECTS
Right of withdrawal:
Early repayment:
Consultation with a Credit Reference Agency:
Right to a draft credit agreement:
ADDITIONAL INFORMATION IN THE CASE OF DISTANCE MARKETING OF FINANCIAL SERVICES
CONCERNING THE CREDITOR
Registration number:
The supervisory authority:
CONCERNING THE CREDIT AGREEMENT
The law taken by the creditor as a basis for
the establishment of relations with you before
the conclusion of the credit agreement:
The law applicable to the credit agreement
and/or the competent court:
Language to be used in connection with
your agreement:
CONCERNING REDRESS
Access to out-of-court complaint and redress
mechanism:
Paymentshield and the Shield logo are registered trademarks of Paymentshield Limited (registered number 02728936) which is a company registered in England and Wales at
Southport Business Park, Wight Moss Way, Southport PR8 4HQ. Authorised and regulated by the Financial Conduct Authority.
@ Paymentshield Limited 2016. Asset code: CO217 Ref#PS0048-2.
Interest is charged for the term of the loan agreement at the fixed, flat rate
of 12.00% per annum
23.7% APR. The APR is calculated on the assumption that you borrow the
amount of credit shown above and repay over 12 repayment instalments in
the sums and on the dates shown above
There is no charge for late payments
Missing payments may lead to your insurance cover being cancelled
You have the right to withdraw from the loan agreement before the end of
14 days beginning with the latest of; the day after the day on which the
loan agreement is made, or you are provided with an executed copy
signed by both parties or, if information is provided to you after the loan
agreement is made, the day on which you receive a copy of that
information as required by section 61A(3) of the Consumer Credit Act 1974
You have a right to repay the credit early at any time in full or partially
If we decide not to proceed with the prospective credit agreement on the
basis of information from a credit reference agency we must, when
informing you of the decision, inform you that it has been reached on the
basis of information from a credit reference agency and of the particulars
of that agency
You have a right upon request, to obtain a copy of the draft credit
agreement free of charge, unless we are unwilling at the time of the request
to proceed to the conclusion of the credit agreement
Our FCA Firm Reference Number is 312708
The Financial Conduct Authority, 25 The North Colonnade, Canary Wharf,
London E14 5HS is the supervisory authority under the Consumer Credit Act
1974
English law
The laws of England and Wales are applicable and the competent courts
are those of England and Wales, unless you reside in Scotland in which case
Scottish law applies
English
You have the right to complain to the Financial Ombudsman Service in respect
of the Loan Agreement or any dealings with Paymentshield Ltd as the Creditor.
We can supply further information about the Financial Ombudsman Service but
the information is also freely available by contacting them directly. You can
write to: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
or telephone 0800 023 4567. Email:complaint.info@financial-ombudsman.org.uk
AN EXPLANATION Certificate number: TLI32016151

OF YOUR LOAN Agreement number: 103707682

Before we can proceed with your loan we are required by law to provide you with some important information about the proposed
finance for your Tenant's Liability insurance. You should read this document carefully along with the Standard European Consumer
Credit Information (SECCI), which together make up the pre-contract information. You should also read the terms and conditions of
the credit agreement. Please do not proceed to sign the agreement until you have considered all of the information provided and
are content that you understand it and wish to proceed. The information is provided to help you consider whether our product is
suitable for you.

SUITABILITY
The agreement is a fixed term, restricted use arrangement meaning we will provide you with credit to purchase specific services.
You will not receive cash; instead when you sign the agreement the credit is used to pay for your annual Tenant's Liability policy.

THE COST OF YOUR LOAN

You have requested a loan of £120.00 over 12 months to pay for your annual Tenant's Liability insurance policy. Interest will be
charged at a fixed, flat rate of 12% of the total amount of credit provided applied over the duration of the loan agreement. This
will cost you a total of £14.40 in credit charges. You will repay a total of £134.40 comprising the amount you borrowed and the
credit charges.

REPAYMENTS
We will collect the first payment within one month after the date of the agreement followed by 11 further monthly payments on the
same day of each month by deducting the sum from the account that you have nominated and for which you have provided
direct debit details. You may, however, choose to repay all or part of your loan early at any time which will reduce the amount that
you have to repay.

CONSEQUENCES OF DEFAULT
Missing payments may also lead to your insurance cover being cancelled.

YOUR RIGHTS
You have the right to withdraw from the loan agreement before the end of 14 days beginning with the latest of; the day after the
day on which the loan agreement is made, or you are provided with an executed copy signed by both parties or, if information is
provided to you after the loan agreement is made, the day on which you receive a copy of that information as required by section
61A(3) of the Consumer Credit Act 1974.

Please note, if you exercise your right of withdrawal you must pay your insurance premium in full or your policy will lapse.

You can exercise this right by writing to us at Paymentshield Limited, Southport Business Park, Wight Moss Way, Southport, PR8
4HQ or calling us on 0345 6011 050 or emailing us at enquiries@paymentshield.co.uk. If you withdraw you must return any
credit provided under the agreement within 30 days, beginning with the day after the day on which the notice of withdrawal
was given.

Please contact us via the number, postal or email address given above if you have any questions or would like further
information or clarification about our agreements.

Paymentshield and the Shield logo are registered trademarks of Paymentshield Limited (registered number 02728936) which is a company registered in England and Wales at
Southport Business Park, Wight Moss Way, Southport PR8 4HQ. Authorised and regulated by the Financial Conduct Authority.
@ Paymentshield Limited 2020. Asset code: CO217 Ref#PS0049-1.
FIXED SUM Certificate number: TLI32016151

LOAN AGREEMENT Agreement number: 103707682

THIS LOAN AGREEMENT IS MADE BETWEEN:

US YOU

Paymentshield Limited of Southport Business Park, Wight

Moss Way, Southport, Merseyside, PR8 4HQ (the
& the customer Mr Tomasz Winter, 54 Cordelia Close,
Stratford-Upon-Avon CV37 0AN (the "Debtor", "you" or
“Creditor”, “we”, “us” or “our”) and "your").

ABOUT YOUR AGREEMENT

Duration of Loan Agreement: 12 months from the date that this Loan Agreement is executed

Amount of credit: £120.00

How and when credit will be provided: We will provide the credit as a direct payment for the insurance policy listed below.
The credit will be treated as provided and drawn down from
the 19/11/2022.

Description of goods/services: Item Cash price

12 month Tenant's Liability Policy £120.00

Rate of interest: Interest is charged for the term of this Loan Agreement at the fixed rate of 12.00% per
annum.

The total amount payable: Is £134.40, being the sum of the total amount of credit £120.00 and the total charge
for credit £14.40 (comprising interest only). Please note, you could save money on
your premium by opting to pay via one annual payment.

APR (Annual Percentage Rate): 23.7% APR. The APR is calculated on the assumption that you borrow the amount of
credit shown above and repay over 12 repayment instalments in the sum and on
the dates shown below.

Timing of repayment: The Total Amount Payable is to be repaid in 12 monthly instalments (each a Payment
Date) by direct debit, the first payment will be on 01/12/2022 followed by 11 payments
payable on the dates shown in the table below.

The amount of each repayment: The amount of each monthly instalment is shown below:

Payment due date Amount

01/12/2022 £11.20
01/01/2023 £11.20
01/02/2023 £11.20
01/03/2023 £11.20
01/04/2023 £11.20
01/05/2023 £11.20
01/06/2023 £11.20
01/07/2023 £11.20
01/08/2023 £11.20
01/09/2023 £11.20
01/10/2023 £11.20
01/11/2023 £11.20

Paymentshield and the Shield logo are registered trademarks of Paymentshield Limited (registered number 02728936) which is a company registered in England and Wales at
Southport Business Park, Wight Moss Way, Southport PR8 4HQ. Authorised and regulated by the Financial Conduct Authority.
@ Paymentshield Limited 2020. Asset code: CO218 Ref#PS0045-1.
 ABOUT YOUR AGREEMENT (CONT...)
Statement of account:
Interest for late payment:
Missing Payments Warning:
Right of Withdrawal:
Early Repayment:
Ombudsman Scheme:
Supervisory Authority:
THIS IS A CREDIT AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974. SIGN IT ONLY IF YOU WANT TO BE BOUND BY ITS TERMS.
Signature for (or on behalf of) Creditor:
Date(s) of Signature(s):
Signature(s) of Debtor(s):
Date(s) of Signature(s):
You have the right to receive, on request, and free of charge, at any time
throughout the duration of the Loan Agreement pursuant to section 77B of the
Consumer Credit Act 1974, a statement (in the form of a table) showing:
a) the details of each instalment owing under this Loan Agreement;
b) the date on which each instalment is due, the amount and any conditions
relating to the payment of the instalment;
c) a breakdown of each instalment showing how much comprises:
(i) capital repayment;
(ii) interest payment; and
(iii) if applicable, any other charges.
There is no charge for late payments.
Missing payments may lead to your insurance cover being cancelled.
You have the right to withdraw from this Loan Agreement before the end of 14 days
beginning with the latest of; the day after the day on which this Loan Agreement is
made, or you are provided with an executed copy signed by both parties or, if
information is provided to you after this Loan Agreement is made, the day on which
you receive a copy of that information as required by section 61A(3) of the
Consumer Credit Act 1974.
If you choose to exercise your right of withdrawal you must notify us of your intention
to do so, by:
(i) writing to us at Paymentshield Limited, Southport Business Park,
Wight Moss Way, Southport, PR8 4HQ;
(ii) telephoning us on 0345 6011 050;
(iii) emailing us at enquiries@paymentshield.co.uk.
When you give notice to us withdrawing from this Loan Agreement you must clearly
state your name and address and your request to withdraw from this Loan
Agreement.
If you do withdraw you must repay to us, no later than 30 calendar days after giving
notice of your withdrawal, any monies paid under the Loan Agreement.
If you do exercise your right to withdraw from this Loan Agreement you will need to
find alternative means to pay in full for the insurance policy paid for under this Loan
Agreement or there is a risk that the insurance policy may be cancelled.
You are entitled at any time, by giving written or oral notice to the Creditor and
making payment to them by an agreed method to discharge your indebtedness
under this Loan Agreement in full or in part. You may keep your insurance policy in
force if you repay early by informing us that you wish to do so and sending the
payment required.
You have the right to complain to the Financial Ombudsman Service ("FOS"); further
details can be found under section 5 of the Terms and Conditions of this
Loan Agreement.
The Financial Conduct Authority, 25 The North Colonnade, Canary Wharf, London
E14 5HS is the supervisory authority under the Consumer Credit Act 1974.
19/11/2021
 TERMS AND CONDITIONS
1. YOUR OBLIGATIONS

1.1 You confirm that:

1.1.1 you authorise us to debit the amounts payable by you on each of the Payment Dates;

1.1.2 if the account is a joint bank account, you have individual, full and unrestricted authority to nominate such
account for the purposes of these Terms and Conditions;

1.1.3 you are aged 18 years of age or over; and

1.1.4 you will inform us immediately of any changes to your bank details or employment details, or of any other
changes in circumstances which may affect your ability to make payments under this Loan Agreement.

2. REPAYMENTS

2.1 On each Payment Date we shall make one attempt by direct debit to collect the amount due, as per the terms of this
Loan Agreement.

2.2 Where we cannot obtain the amount outstanding on any of the Payment Dates, we will make ahead of the next
collection date to understand why you have been unable to meet your repayment obligations. If you are suffering
financial hardship, we will exercise forbearance in agreeing how to remedy any arrears. We urge you to contact us
as soon as possible to explain any repayment difficulties and avoid incurring unnecessary charges.

2.3 You may change the date upon which your direct debit is collected during the Loan Agreement by notifying us of the
date that you would like payment to be collected.

3. GROUNDS TO END THE AGREEMENT

3.1 If any of the following occurs then we may, after giving you notice in writing, end this Loan Agreement:

3.1.1 you provide any inaccurate or misleading information or you fail to disclose any matter which would have
affected our decision to enter into this Loan Agreement;

3.1.2 you do not make any payment on its due date or you cancel your direct debit instruction;

3.1.3 you are declared bankrupt;

3.1.4 you breach any of terms under this Loan Agreement.

4. HOW WE USE YOUR DATA

4.1 In considering whether to enter into this Loan Agreement, we may search your record at Credit Reference Agencies
("CRAs") or Fraud Prevention Agencies ("FPAs") They will add details of our search and your application to their records
about you. We may also advise CRAs/FPAs of your agreement(s) with us, your payment record and any default. These
records will be shared with other organisations and may be used and searched by us.

4.2 If you require details of the CRAs or other agencies from whom we obtain, and whom we pass, information about you, or
you have any other query relating to your data, arising from this Loan Agreement please write to: Data Protection Officer,
Paymentshield Limited, PO Box 229, Southport, PR9 9WU.

Paymentshield and the Shield logo are registered trademarks of Paymentshield Limited (registered number 02728936) which is a company registered in England and Wales at
Southport Business Park, Wight Moss Way, Southport PR8 4HQ. Authorised and regulated by the Financial Conduct Authority.
@ Paymentshield Limited 2016. Asset code: CO110 Ref#PS0047-1.
TERMS AND CONDITIONS (CONT...)
5. COMPLAINTS

5.1 If you have a complaint, please inform us, you can write to or email us and we will investigate your complaint. We will
attempt to both resolve your complaint through investigation and to respond to you with the outcome.

5.2 If you are not happy with our final response, you may have a right to have your complaint dealt with by the Financial
Ombudsman Service ("FOS"). To do so, you should contact FOS within 6 months of our final response to your complaint.
You may write to FOS at the following address: The Financial Ombudsman Service, Exchange Tower, London E14 9SR. You
can email FOS using the email address complaint.info@financial-ombudsman.org.uk or alternatively call them on
0800 0234 567.

6. REGULATORY INFORMATION

6.1 Paymentshield Limited, is registered in England and Wales and our company number is 02728936.

6.2 We are licensed by the Financial Conduct Authority in accordance with the Consumer Credit Act 1974 for the conduct
of consumer credit business. Our FCA Firm reference Number is 312708.

6.3 We are registered with the Information Commissioner's Office, registration number Z4890668.

7. GENERAL

7.1 Where two or more persons are named as Debtors each of those persons shall be jointly and severally liable for the
performance of the obligations of the debtor set out in this Loan Agreement and the expression "the Debtor" shall be
construed accordingly.

7.2 If we do not enforce our rights under this Loan Agreement at any time we will not be prevented from doing so later.

7.3 Any notice or demand we give will be assumed to have been properly given if served on you personally. It will also be
assumed as properly given if it is sent by prepaid envelope addressed to you at your current address or your last known
business or private address as well as by email to any email address you nominate for these purposes.

7.4 This Loan Agreement is personal to you and you may not pass the benefit of it to a third party. We may transfer or assign
all or any of our rights under this Loan Agreement without your consent but if we do so you will be informed of this.

7.5 This Loan Agreement shall be construed according to the laws of England and Wales whose courts shall be the exclusive
courts of jurisdiction over any claim or matter arising under or in connection with this Loan Agreement.

7.6 The contractual terms and conditions, and the prior information, are in English. We undertake, with your agreement, to
communicate with you in English during the duration of this Loan Agreement.

7.7 Your obligations under this Loan Agreement are unsecured.

TENANTS LIABILITY INSURANCE
INSURANCE PRODUCT INFORMATION DOCUMENT
Company: Property Guard Product: Paymentshield
Property Guard is a trading name of Motorplus Limited, who are
authorised and regulated in the UK by the Financial Conduct Authority Tenants Liability Insurance
– registered number 309657
TLI/PS/001
This document provides a summary of the key information relating to this insurance policy. Complete pre-contractual and
contractual information on the product is provided in the full policy documentation. Please take some time to read the policy
documents when you receive them. It is important that you tell us as soon as possible if any of the information is incorrect.

What is this type of insurance?

This insurance will provide you with cover, up to the amounts specified in your policy schedule, for accidental
damage to your landlord’s property caused by you.

What is insured? What is not insured?

This policy will provide cover for accidental damage
X Any claim reported more than 30 days after the date
caused to your landlord’s property by either:
of event
X The first £100 of each claim
✓ Payment for replacing the damaged item as new
X Damage caused by any other means than
✓ Replacement of the damaged landlord’s property
accidental damage
as new
✓ Payment for the cost of repairing the damaged
items

COVER OPTIONS
You can choose a qualification period that meets
your requirements. The options available are:

Are there any restrictions on cover?

 The insurer will not pay for the cost of replacing or repairing any undamaged items of the landlord’s property
of your home which forms part of a pair, set, suite or part of a common design
 You must not undertake any repairs to the landlord’s property without the insurer’s prior written consent
 You must provide the insurer with all information and evidence, including written estimates and proof of ownership and
value that the insurer may request

Where am I covered?

✓ You are covered in respect of properties located in the United Kingdom

What are my obligations?

You must provide full and accurate information to all questions asked. Your answers must be true to the
best of your knowledge and belief. Your answers will form part of the statement of fact on which your
policy will be based. If you become aware that information you have given us is inaccurate or has
changed, you must inform us as soon as possible. Failure to do this may invalidate your policy and
claims may not be paid.
 When and how do I pay?

The full amount to pay for your policy will be shown on your policy documents. You can pay for the policy by debit
card, credit card or annual or monthly Direct Debit. Please refer to your policy documentation for payment methods.

When does the cover start and end?

The policy lasts for 6 or 12 months. The dates of cover will be specified in the policy documentation .

How do I cancel the contract?

You can cancel your policy at any time by calling or writing to the administrator, Paymentshield, on the details
shown in your policy documentation. If having taken out a policy and after examining it, you decide not to
continue with it you have a statutory right to cancel. During this cooling off period you can cancel the policy
back to the start date without charge and with a full refund of any premiums already paid, unless you have
made a claim during this period. Please refer to your Policy Booklet for further information on your cancellation
rights.

Asset code: PP00767