Other Information

"Why should I read this document?"

The Financial Services Authority is the independent financial services regulator. It requires us, the Metropolitan Police Friendly Society, to give you this important information to help you decide if either of the metfriendly Tax-Exempt Savings Plans is right for you. You should read this document carefully so that you understand what you are buying, and then keep it safe for future reference.

We want you to be comfortable that you understand the 'Key Features' of these products before you decide to proceed. If you do not understand something in this document, please feel free to contact us.

How to complain

• If you have a complaint about any aspect of the service you have received, in the first instance please contact us.  A summary of our complaints handling procedure is available from us.
• If you feel your complaint is not dealt with to your satisfaction, you can then contact the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR or visit their website www.financial-ombudsman.org.uk. This will not affect your right to take legal proceedings.
• In the event of any complaint, we would treat you as a normal retail customer and not make any assumptions of specialist investment knowledge on your part.

Compensation

• Information on compensation arrangements is available from us.
• We are a member of the Financial Services Compensation Scheme.

Law

• In legal disputes the law of England and Wales will apply.
• Full details of the plan are contained in our Tables and Rules - which evidence the legally binding contract between you and metfriendly.
• On taking out either of these plans, you will be issued with a certificate showing your benefits, and you become a member of metfriendly and you will therefore be subject to our Rules, which are also available on request from us.