Disclaimer

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0 height="100%"><tr> <td valign="top" width=50 BGCOLOR="#FFFFFF" TEXT="#080000"> <bR> </td> <td valign="top" BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <FONT SIZE="5" COLOR="#993366" FACE="Garamond" ><B>F T W (IFA) Ltd</B></FONT><FONT SIZE="5" COLOR="#000000" FACE="Garamond" ><B> </B></FONT>    |  <FONT SIZE="3" COLOR="#000000" FACE="Arial" > <B>  </B></FONT><FONT SIZE="3" COLOR="#993366" FACE="Arial" ><A HREF="index.htm" TARGET="_top" TITLE=" F T W (IFA) Ltd"><U><B>home</B></U></A></FONT></div> <div> <A HREF="id3.htm" TARGET="_top" TITLE="Products Services"><U><B>Products & Services</B></U></A><B>   |   </B><A HREF="id6.htm" TARGET="_top" TITLE="Contact Us"><U><B>Contact Us</B></U></A><B>   |   </B><A HREF="id15.htm" TARGET="_top" TITLE="Terms of Business"><U><B>Terms of Business</B></U></A><B>   |   </B><B>Disclaimer</B><B>   |   </B><A HREF="id2.htm" TARGET="_top" TITLE="Info request feedback"><U><B>Info request & feedback</B></U></A><B>   |   </B><A HREF="id64.htm" TARGET="_top" TITLE="Downloads"><U><B>Downloads</B></U></A></div> <div> Disclaimer</div> <div> <B>Important information about this Web Site</B> </div> <bR> <div> <B>The following terms and conditions govern your use of this Web Site and the information contained on or available through the Web Site. By accessing, using or downloading the Web Site or the information you agree to be bound by these terms and conditions, which may change without further notice to you.</B> <B>This Web Site is operated by F T W(IFA)Ltd (“the Firm").</B></div> <bR> <div> This Web Site does <B>not</B> give financial, investment or tax advice. It is specially designed to provide its users with general information only and does not (indeed cannot) attempt to give individual users specific advice on which products or services are the most appropriate for them in their particular circumstances.</div> <bR> <div> The information on this Web Site may not include all products and services available on the market.</div> <bR> <div> Some products may be available from alternate sources at a lower or higher cost than quoted, for example where a particular intermediary has negotiated special terms with a product provider.</div> <bR> <div> There may be a period of time between a product provider changing rates, altering product features, withdrawing or launching new products and the time we are notified of such a change and are able to update this Web Site accordingly. This is particularly the case when base rates change, or other major financial events occur. <B>Therefore if you intend to act on any information supplied by this Web Site you should:</B></div> <bR> <div> <B>· confirm the details of the product (including costs and key features) with your financial adviser; and</B></div> <bR> <div> <B>· seek independent financial advice if you are in any doubt as to the suitability of the product that you are intending to purchase.</B></div> <bR> <div> The Firm does not warrant or represent that the information and data contained in this Web Site is accurate, current, complete or suitable for your or any purpose. <B>Therefore, subject to any restrictions imposed by our regulator, the Firm will not be liable to users of the Web Site for any losses or damages whether direct, indirect, special or consequential and whether in contract, tort (including negligence) or otherwise arising from this Web Site or from any inability, interruption or delay in access to the Web Site or any linked Web Site for whatever reason.</B></div> <bR> <div> <B>We strongly recommend that if you are in any doubt about any aspect of your personal finances you seek independent financial advice.</B></div> <bR> <div> <B>This Web Site is for use in the UK only and the information contained within it relates to products marketed to residents of the UK only. Non-UK residents should refer to a source of financial advice within their own country.</B></div> <bR> <div> Your use of this Web Site shall be governed by English law and the English courts shall have exclusive jurisdiction over any disputes arising from or in connection with the use, misuse or inability to use this Web Site.</div> <bR> <div> Copyright © 2003 F T W(IFA)Ltd</div> <bR> </td> </tr></table></body>