Sheffield Mutual

	As required by the Financial Services Authority (FSA)
1. The Financial Services Authority (FSA)	The FSA is the independent watchdog that regulates financial services. It requires us to give you this document. Use this information to decide if our services are right for you.
2. Whose products do we offer?	Investment • We only offer our own products. Ask us for a list of the products we offer.
3. Which services will we provide you with?	Investment • We will advise and make a recommendation for you after we have assessed your needs. Or • You will not receive advice or a recommendation from us usually described as execution only. If you ask us to do so the first statement in this section would apply. 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.
4. What will you have to pay us for our services?	Investment • We will tell you how we get paid, and the amount, before we carry out any business for you.
5. Who regulates us?	Sheffield Mutual Friendly Society is authorised and regulated by the Financial Services Authority. Our FSA Register number is 139855. Our permitted business is to provide investment advice, arrange Life Assurance, Tax Exempt Savings Plans, Investment Policies andIndividual Savings Accounts. You can check this on the FSA’S website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.
6. What to do if you have a complaint	If you wish to register a complaint, please contact us: In writing: Write to: The Compliance Officer Sheffield Mutual Friendly Society 3 Maple Park Maple Court Wentworth Business Park Tankersley Barnsley South Yorkshire S75 3DP or by telephone 01226 741000 or via e-mail on enquiries@sheffieldmutual.com If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman.
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. Investment Most types of investment business are covered for 100% of the first £30,000 and 90% of the next £20,000 so the maximum compensation is £48,000. Further information about compensation scheme arrangements is available from the FSCS.
	I have read and understood the key facts above.