Disclosure

1. The Financial Conduct Authority (FCA)

The FCA is the independent watchdog that regulates financial services. We are required to give you this document. Please use this information to decide if our services are right for you.

2. Whose products do we offer?

We act as a credit broker, not as lender, for the introduction to a limited number of finance providers only for; Hire Purchase (HP), Personal Contract Purchase (PCP), Personal Contract Hire (PCH)

We only offer products from a limited number of insurers for; Asset Protection - Car Care Plan Ltd

Our panel of Lenders, who may be able to finance your purchase are;

• Ford Credit - Fixed Rate / % of Balance Financed Commission Model

• Blackhorse Motor Finance - Fixed Rate / % of Balance Financed Commission Model

• Alphera Financial Services - Fixed Rate / % of Balance Financed Commission Model

• Close Brothers Motor Finance - Fixed Rate / % of Balance Financed Commission Model

• MotoNovo Finance - Fixed Rate / % of Balance Financed Commission Model

• Ford Leasing - Fixed Rate / % of Balance Financed Commission Model

• Days Leasing - Fixed Rate / % of Balance Financed Commission Model

We also have access to many other lenders through; • Creative Funding Solutions - Fixed Rate / % of Balance Financed Commission Model We act as their agent for this introduction and not as your agent. We are not an independent financial advisor; we will provide details of products available. We may advise you on the products, subject to your personal circumstances, though you are not obliged to take our advice or recommendation.

You are under no obligation to make use of any financial product arranged by Frank G Gates Ltd, or to purchase any insurance product from us. Other providers may offer similar finance or insurance products that may or may not meet your needs.

3. What service will we provide you with?

You are not obliged to agree with our recommendations or to make any purchase of a finance or insurance

product. You may obtain free, unbiased guidance from the Money Advice Service at

www.moneyadviceservice.org.uk or Your Impartial Guide to Car Finance at www.financingyourcar.org.uk.

4. What will you have to pay us for this service?

We arrange the policy with the insurer on your behalf. You do not pay us a fee for doing this. We may receive a revenue from the sale of the product, which is based on the margin between the selling price, net of Insurance Premium tax, and the cost price to us.

You will make no payment to us for the introduction to our panel of lenders, typically we may receive a commission from the lender if you decide to enter into an agreement with them. You may ask us for details of such payments.

Commission Arrangements

% of Balance Financed Commission Model

The Dealer will be paid a commission for introducing you to the lender. This will be a percentage of the amount that you borrow. This means the more you borrow the more the Dealer is paid. The commission will be the same no matter the interest rate that you pay. If you ask the Dealer, they will tell you (in good time before the agreement is made) the amount of any commission they will earn from the lender.

Flat £s Fee Commission Model

The Dealer will be paid a commission for introducing you to the lender. This will be a flat fee amount. This means the commission will be the same no matter how much you borrow or the interest rate that you pay. If you ask the Dealer, they will tell you (in good time before the agreement is made) the amount of commission they will earn from the lender.

If you would like to request the details of any commission please email your request to finance@gates.co.uk

5. Who regulates us?

Frank G Gates Ltd is authorised and regulated by the Financial Conduct Authority. Frank G Gates Ltd FCA Reference Number is 311218. Frank G Gates Ltd permitted business is to act as a Credit Broker for introduction to finance providers, acting on behalf of the lender. You can check this on the Consumer Credit Register by visiting the FCA's website https://register.fca.org.uk/ or by contacting the FCA on 0800 1116768.

Frank G Gates Ltd is authorised and regulated by the Financial Conduct Authority. Our FCA Register number is 311218. Our permitted business is to sell and arrange non-investment insurance contracts, acting on behalf of the insurer. You can check this on the FCA's Register by visiting the FCA’s website https://register.fca.org.uk/ or by contacting the FCA on 0800 1116768.

6. What to do if you have a complaint.

If you wish to register a complaint in relation to regulated finance and/or regulated insurance services, please contact us; Write to The Finance Director, Gates Of Harlow, Edinburgh Way, Harlow, Essex CM20 2EG. Telephone 01279 933201. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

7. Are we covered by the Financial Services Compensation Scheme (FSCS)?

We are covered by the 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. Insurance advising and arranging is covered for 90% of the claim, without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit.

Further information about the compensation scheme arrangements is available from the FSCS. Please note - finance products are not covered by this scheme.

8. The Data Protection Act

"Frank G Gates Ltd is also governed by the Data Protection Act (2018). This ensures any information you give us is managed in a secure and confidential manner. This information may be passed to other groups or affiliated members including those company(s) detailed in Section 2 above. Without this information Frank G Gates Ltd is unable to process your order or enquiry. Under the Data Protection Act you may apply to have this information restricted or removed at any time by telling Frank G Gates Ltd via phone on 01438 366013 or in writing to The Data Protection Dep't, Gates Of Harlow, Edinburgh Way, Harlow, Essex CM20 2EG."