Ezhome is owned by Finance One Limited. These terms of business set out the basis on which Finance One Ltd will provide business services to you as an individual private client of the firm. Please take a few minutes to read through these and if you have any questions I will be happy to answer them.

•  The full name and address of the firm is set out on the top of this document.

•  Finance One Ltd is authorised and regulated by the Financial Regulator in relation to the sale of mortgages and a copy of the firm's statement of authorised status from the Financial Regulator is attached as appendix 1.

•  Finance One Ltd is authorised and regulated by the Financial Regulator in relation to the sales of UCITS, Tracker bonds, Insurance policies and PRSA's. Finance One Ltd holds a written appointment to act as a tied insurance agent for Irish Life Assurance Plc in relation to the sale of insurance policies and PRSA's.

•  Finance One Ltd holds a written appointment with the following mortgage lenders:

•  Please note Start Mortgages and Seniors Finance Ireland Ltd charge the client a fee which is deducted from your final cheque amount

•  The products for which Finance One Ltd holds appointments and may advise upon, are all life assurance products and these include life assurance policies, specified serious illness and other protection type policies, pension policies, savings and investment life assurance policies.

•  The services which the firm is authorised to provide are:

a) Advising you in relation to the nature of each of the products set out above and advising you as to which product is suitable for you needs.

b)  Receiving and transmitting orders on your behalf for a products(s) to Irish Life Assurance Plc.

•  Finance One Ltd may receive commission and other payments from Irish Life Assurance Plc and Mortgage Lenders when orders are transmitted. Summary details of Life Assurance commission will be included in a product information document, which you are legally entitled to receive before an application for a product is completed, and full details will be included with your cooling-off letter.

•  Finance One Ltd is entitled to receive between 0.5% and 1% of mortgage amount from mortgage lenders in respect of commission for placing the business with the lender. If you require further details of this commission we will be happy to answer any of your questions.FinanceOne Limited may charge you a fee for services provided.If this charge is applicable to you it will be communicated to you in writing prior to the commencement of your transaction.Details of how this fee is calculated will also be included.

•  It is the policy of Finance One Ltd to avoid any conflict of interest when providing business services to its clients. However, where an unavoidable conflict may arise we will advise you of this in writing before proceeding to provide any business service. If you have not been advised on any such conflict you are entitled to assume that none arises.

•  Finance One Ltd will, if necessary, exercise its legal rights to receive any payments due to it, from clients for business services provided by it and to be reimbursed for any value obtained by it for clients arising from payments to it by clients which subsequently default.

•    Irish Life Assurance Plc may withdraw benefits on default of payments due under any products arranged for your benefit. Details of these provisions will be included in your product terms and conditions.

•  Any complaint that you may have in relation to the business services provided should be made in writing to Finance One Ltd outlining the nature of your complaint. The complaint will be fully investigated by Finance One Ltd and a full response will be provided to you. We will aim to provide this response not later than 1 month from receipt of your complaint. In the event that you remain dissatisfied with the firm's handling of and response to your complaint you are entitled to refer your complaint to the Financial Services Ombudsman's Bureau. This office is located at Regus House, Harcourt Centre, Harcourt Rd, Dublin 2.

INVESTOR COMPENSATION FUND

This firm is a member of the Investor Compensation Scheme, established under the Investor Compensation Act, 1998.

This legislation provides for the establishment of a compensation scheme and to the payment in certain circumstances, of compensation to clients of firms covered by the Act. However, you should be aware that a right to compensation will only arise where money or investment instruments held by this firm on your behalf cannot be returned either for the time being or in the foreseeable future and where the clients falls within the definition of eligible investor as contained in that Act.

In the event that a right to compensation is established, the amount payable is the lessor of ninety per cent of your loss, which is recognised as being eligible for compensation or €20,000.