Financial Planning & Investment Group is an Authorised representive of CHPW Financial which is a holder of a Financial Services Licence. As a representitive of CHPW Financial, we can, on you behalf, claim the Enty Fees, if any, all of the Exit fees, if any, and the Onging Trail Commission which normally is paid to either an Adviser or the Fund Manger.

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Depending on the amount you have invested and the arrangement you have with the fund manager and or your adviser, return of your fees can be subsatatial.

Fee are obviously taked from the capital of your investment.

Your refund will be paid to you in one of three ways.

• The fees are not taken out of your capital in the first instance leaving your capital to grow.
• In the case of Entry fees, the fee is either waved therfore not taken from your capital OR thefee amount is added back into your investment by way of exrta units OR it is paid to you in cash.
• The trail commission is either not taken out in the first instance or it is paid to you in cash.

• IN SUMMARY YOUR FEES ARE WAIVED, PAID BACK INTO YOUR INVESTMENT BY WAY OF EXTRA UNITS OR PAID TO YOU IN CASH