AG Financial Services Brochure by Acceleris Marketing Communications

HEADING GROWTH REGULATORY BRAND CUSTOMER TECHNOLOGY, SUPPLIERS GOVERNANCE FINANCE, PRODUCTS PREMISES, AND AND TREASURY PROPERTY AND AND REPUTATION BUSINESS AND PAYMENT SERVICES SUPPLIER AND REORGANISATION COMPLIANCE MANAGEMENT INFRASTRUCTURE BUSINESS PEOPLE AND FACILITIES FUNDING PARTNERS INFRASTRUCTURE AND TRANSACTIONAL MANAGEMENT MANAGEMENT

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BR AND AND REPUTATION 10

CUSTOMER AND SUPPLIER MANAGEMENT 09

PREMISES, PROPERT Y AND FACILITIES INFR ASTRUCTURE MANAGEMENT 08

TECHNOLOGY, PAYMENT INFR ASTRUCTURE AND TR ANSACTIONAL MANAGEMENT 07

GROWTH AND BUSINESS REORGANISATION 06

SUPPLIERS AND BUSINESS PARTNERS 05

Whilst AG responsible is one most of law the firms few firms have that corporate has expertise and M&A inthere the practices, full AG of has products a to safe products and services tomost customers. Whether you are a bank, and clarity. are for ensuring that your business partners comply with (AML) We today’s know and globalised that sanctions. in the financial cycle We combine of markets enterprises, in-depth within fractions technical of are knowledge arange second, challenges with Any organisation with a large property portfolio will likely experience specialist, designed for highly retail regarded, consumers, FS Transactions through to high worth customers onon leading and responsible for delivering payments capabilities oradvising athemselves. FinTech with a new One of the key considerations for many firms isnet potential damage to reputation; at AG, that regulatory requirements, even iffor they are regulated practical business with significant insight stability, consequences on which how regulators can be caused you work. and by We your a team pride variety business. ourselves of factors, from not challenges that can be costly and uncertain, so it’s important to deals multinational in the FS corporate Sector, from clients. domestic We draft and standard cross border terms M&A, used for debt youra range of services proposition, technology is to be at the heart of your delivery. is Within at the the forefront banking ofand our financial minds when services we work sector, with its you. people We also are critical have being technological academic advances and make to likely new regulation competition understandable and pension and challenges. accessible. trustworthy partner to guide you through the process. portfolio mainstream transfers, products, schemes as well under as acting Part VII you FSMA in bespoke and overseas corporate specifically to the success aimed of the at assisting firm. But you for financial to protect services your brand firms and they reputation. are also Our knowledge and breadth of experience gained from working with This We The offer AG makes Financial a comprehensive us easy Services to work range team with and has of specialist delivers thefor experience a financial more and usable services expertise, product equivalents, loan building orand society funding and deals. mergers, commercial and AG’s technology offering is different because not only doof we have key toarrangements regulatory compliance and reputational risk. financial services firms means wemutual understand the sector inside out or litigation, coupled service. with insolvency We the aim insight to achieve and probate innovation the support, best possible that with has aoutcome convinced variety for funding many our clients of and At we provide ainhigh quality, service capability delivered to alive affinity arrangements, strategic investments and joint ventures, capital experience of working on IT supplier arrangements, but our specialist AG is one of the very few UK law firms to have a in dedicated trademark and design filing know what questions to ask. From our team of contract lawyers who through options theAG, leading to a process ensure names that of proactive the whatever sector engagement your tofull put situation, their faith with you the us receive relevant as their the regulatory trusted support consistent standard and clients benefit from our partner-led approach raisings, We really restructuring understand your and reorganisations, markets andcommercial regularly to significant build and structure payments team worked with many of the leading and pioneering practice. We combine this with an experienced team providing ato cost-effective service Corporate governance and the culture of firms, as well asregulatory remuneration, and breathe outsourcing and complex transactions, to ourand body. you adviser need. We across work on ahave wide the basis range ofof providing financial, constructive treasury and challenge funding matters. the commitment toour client service. Our experienced team, which works driven products orwho deals and that programmes. deliver services tovolumes your customers in regard a compliant, firms inprojects payment infrastructure and transaction management. dealing HR policies with and intellectual recruitment property are all infringement, subject to regulatory from passing scrutiny. off andacross specialists can help partner with firms bring products toWe market. regulator The quality without of being client unnecessarily portfolio speaks confrontational about or the antagonistic. inbreach of copyright jurisdictions onconfidential an international level, isdisputes. experienced inorevery element butpatents commercially thoughtful way. understand how industry operates, its infrastructure, associated to and information We act for banks big business rather Senior managers carry personal liabilities for compliance and staffand oweof We which aimthe to team strike isthe held. right balance between defending asserting clients’ needs, from day-to-day such as sales risks, and rate of innovation very fewservices other firms can than duties pop toproperty the stars regulator. and Big Brother contestants. Our practical experience of dealing with the Far from being mere ‘deal-doers’, weyour take the worry out ofrival. regulations You your can position, also be but sure being that sensitive wethat are always to looking commercial for ways and that regulatory weand canpurchases to complex portfolio transactions including Part VII transfers. Wemore know thatdevelop it closely isand important that we enhance your customer media, our clients’ communications advisers working through and transactions ensure that your successful working relationships innovate relationships. Our taxworking practice, and We for partner example, towith help with our stands our clients. clients out Recognising to through chart the best sheer that legal route range, and toand scale relationships. sometimes business-critical crises with teams enables totoplug into your It is important, therefore, that your legal advisors understand theseusrisk remain entirely that successful. compliance resolution, and status including of need clients to –work ADR we advise, together both domestically and seamlessly hasleadership seen and us to internationally. manage draft representations regulatory Our specialist premises, property facilities infrastructure management organisation special dynamics add and value have experience immediately. of working within the sector. effectively, the Government weand have on the integrated content compliance of and finance bills. professionals within our team teammake benefits a large teamwhen of paralegals, that us afrom reliable partner you need making it most. our management services, not anjust extension your own butnames a cost effective AG hasare been doing thatreasons withofmany theteams, within These justonly some of the whyof AG isleading synonymous with thethe resource andoffer backsector. for Take you. a lookpackage industry. We aup comprehensive of services support the financial services at how we can help to you navigate governance of both listed and non-listed institutions. the legal andneeds regulatory requirements of a rangefinancial of treasury and funding activities.

PRODUCTS AND SERVICES 04

REGULATORY COMPLIANCE 02

FINANCIAL SERVICES

GOVERNANCE AND PEOPLE 01

Dealing To Financial heading drive with growth services your or property firms, a managing business like assets businesses, be In financial services, reputation is critical heading At Reputation When The Raising the real products things heart finance impact is of don’t and the every of and most services this go financial according area valuable you ofall services business liquidity provide asset towill plan, anot firm is to business you your reorganisation, need core to partner business you with but need others it’s an often to experienced deliver critical to business success. This demands the should possesses need goes fundamental your customers a beyond partner be aand strong to the you its your are processes brand culture can what business. trust. should define of involved compliance. you be the as – itsymbol a to of the Body text your team services bringing toThe clients. together capabilities excellence and success. in highest standards of corporate governance. vision is business. theoperational conduit and values through financial that drive which services it. international industry is Failing At AG any we time, to comply understand the effective with that domestic mitigation thingsordon’t international of operational always run regulation smoothly, and financial carries so when risks severe is At transaction AG, we are execution dedicated with to market working leading together, commerce highly competitive can succeed. and firms are having toa AG can support you through both the commercial and the regulatory financial, you essential, need reputational help but never managing more and your so individual than financial in periods penalties. exposure of At economic or AG, are we dealing uncertainty. have more with and sector and our regulatory clients, their knowledge suppliers in and other respond to increasing innovation and new Nurturing It is essential and that protecting your boards your reputation have the counsel and brand of legal is critical, advisers especially in financial aspects of working with suppliers and partners – Financial a vital than dispute, 50with lawyers we ensure and that compliance the situation professionals isbusiness resolved specialising swiftly and in sensitively the with full stakeholders Services. to deliver commercial solutions Technology and payments infrastructure are areas that are the fastest services, comprehensive which experience has suffered and more proven than expertise, its fair share who of are bad able press to and criticism from an consideration in such a highly regulated sector where getting working range so Currency your of market technical crisis, reputation political regulatory change, doesn’t compliance social suffer. unrest requirements and military from action, consumer entrants to the market. moving and of most importance to be able to deliver relevant and increasingly advise you with cynical insight and and distrusting knowledge public. and to challenge with confidence partnerships wrong can have serious consequences. For example, you credit, among regulatory a myriad of capital other and things, data can protection all send to shockwaves anti-money through laundering aligned to your business drivers.

FINANCE, TREASURY AND FUNDING 03

ICON

HEADING GROWTH REGULATORY TECHNOLOGY, BRAND CUSTOMER SUPPLIERS GOVERNANCE FINANCE, PRODUCTS PREMISES, AND AND TREASURY PROPERTY AND AND REPUTATION BUSINESS AND PAYMENT SERVICES SUPPLIER AND FINANCIAL SERVICES REORGANISATION COMPLIANCE INFRASTRUCTURE MANAGEMENT BUSINESS PEOPLE AND FACILITIES FUNDING PARTNERS INFRASTRUCTURE AND Of all sectors of business, financial services is probably the most heavily regulated, TRANSACTIONAL MANAGEMENT MANAGEMENT increasingly subject to intense scrutiny and frequently in the public spotlight.

O T NA L

GR OW BU TH AND RE SIN ESS OR GA NISA TION

RS LIE S SUPP INES S U S AND B NER PART

Whatever your requirements, we are committed to delivering outstanding service and value.

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BR AND AND REPUTATION 10

CUSTOMER AND SUPPLIER MANAGEMENT 09

GROWTH AND BUSINESS REORGANISATION 06

SUPPLIERS AND BUSINESS PARTNERS 05

PRODUCTS AND SERVICES 04

PREMISES, PROPERT Y AND FACILITIES INFR ASTRUCTURE MANAGEMENT 08

TECHNOLOGY, PAYMENT INFR ASTRUCTURE AND TR ANSACTIONAL MANAGEMENT 07

O D SE UC RV TS IC AND ES

FINANCE, TREASURY AND FUNDING

ISES, PROPERTY PREM AND FACILITIES STRUCTURE INFRA EM MANAG ENT

C AN UST MA D SU OM NA P ER GE PL M IE EN

Y OR AT CE UL IAN EG PL R M O

LO T NO EN T CH TE AYM RUC TI C P ST A N RA NS ME INF TRA GE A D AN MAN

REGULATORY COMPLIANCE 02

GOVERNANCE AND PEOPLE 01

Businesses operating within the sector need legal advisers who can provide advice based on expertise and experience coupled with insight and intelligence. This underpins our approach at AG and it is why so many national and international financial services businesses (including banks, building societies, insurers, assetnot be Dealing To Financial heading drive with growth services your or property firms, a managing business like assets businesses, In financial services, reputation is critical At The Reputation When Raising the real products things heart finance impact is of don’t and the every of and most services this go financial according area valuable you ofall services business liquidity provide asset towill plan, a firm is to business you managers, brokers, payments institutions and others) put their your reorganisation, need core to partner business you with but need others it’s an often to experienced deliver critical to business success. This demands the should goes possesses need fundamental your customers a beyond partner be aand strong to the you its your are processes brand culture can what business. trust. should define ofinvolved compliance. you be the as – itsymbol a to of the trust in us. Body text your team services operational bringing toThe clients. together capabilities excellence and success. in highest standards of corporate governance. is vision business. the conduit and values through financial that drive which services it. international industry is More a the third with of our firm’s annual earned within Failing At AG anythan we time, to comply understand that domestic mitigation things ordon’t international ofincome operational alwaysisrun regulation smoothly, and financial carries sothe when risks severe is At transaction AG, we effective are execution dedicated with to market working leading together, commerce highly competitive can succeed. and firms are having toa sector and financial services clients forAt 85 of our top 250 AG can support you through both the commercial and the regulatory financial, you essential, need reputational help but never managing more and your so individual than financial in account periods penalties. exposure of economic or AG, are we dealing uncertainty. have more with and sector and our regulatory clients, their knowledge in Financial and other clients. The scale, scope and complexity ofsuppliers work that respond to increasing innovation and new Nurturing It is essential and that protecting your boards your reputation have the counsel and brand of legal is this critical, advisers especially in financial aspects of working with suppliers and partners –entails a vital than dispute, 50with lawyers we ensure and that compliance the situation professionals isbusiness resolved specialising swiftly and in sensitively the with full creates a huge reservoir of knowledge, experience and expertise stakeholders Services. to deliver commercial solutions Technology and payments infrastructure are areas that are the fastest services, comprehensive which experience has suffered and more proven than expertise, its fair share who of are bad able press to and criticism from an consideration in such a highly regulated sector where getting working range so Currency your of market technical crisis, reputation political regulatory change, doesn’t compliance social suffer. unrest requirements and military from action, consumer entrants to the market. that we use to inform the advice we provide, advice that is not only moving and of most importance to be able to deliver relevant and increasingly advise you with cynical insight and and distrusting knowledge public. and to challenge with confidence partnerships wrong can have serious consequences. For example, you credit, among regulatory a myriad of capital other and things, data can protection all send to shockwaves anti-money through laundering aligned to your business drivers. technically excellent but commercial effective. Whilst AG responsible is one most of law the firms few firms have that corporate has expertise and M&A inand the practices, full AG of has products a to safe products and services tomost customers. Whether you are a bank, and clarity. are for ensuring that your business partners comply with (AML) We today’s know and globalised that sanctions. in the financial cycle Wepractical, combine of markets enterprises, in-depth within fractions technical there of are knowledge arange second, challenges with Any organisation with a large property portfolio will likely experience specialist, designed for highly retail regarded, consumers, FS Transactions through to high worth customers onon leading and responsible for delivering payments capabilities oradvising athemselves. FinTech with a new One of the key considerations for many firms isnet potential damage to reputation; at AG, that regulatory requirements, even iffor they are regulated practical business with significant insight stability, consequences on which how regulators can be caused you work. and by We your a team pride variety business. ourselves of factors, from not We offer legal, consulting and compliance services across challenges that can be costly and uncertain, so it’s important to deals multinational in the FS corporate Sector, from clients. domestic We draft and standard cross border terms M&A, used for debt youra range of services proposition, technology is to be at the heart of your delivery. is Within at the the forefront banking ofand our financial minds when services we work sector, with its you. people We also are critical have being technological academic advances and make to likely new regulation competition understandable and pension and challenges. accessible. your business. trustworthy partner to guide you through the process. portfolio mainstream transfers, products, schemes as well under as acting Part VII you FSMA in bespoke and overseas corporate specifically to the success aimed of the at assisting firm. But you for financial to protect services your brand firms and they reputation. are also Our knowledge and breadth of experience gained from working with This We The offer AG makes Financial a comprehensive us easy Services to work range team with and has of specialist delivers thefor experience a financial more and usable services expertise, product heading equivalents, loan building orand society funding and deals. mergers, commercial and AG’s technology offering is different because not only doof we have key toarrangements regulatory compliance and reputational risk. financial services firms means wemutual understand the sector inside out or litigation, coupled service. with insolvency We the aim insight to achieve and probate innovation the support, best possible that with has aoutcome convinced variety for funding many our clients of and At we provide ainhigh quality, service capability delivered to alive affinity arrangements, strategic investments and joint ventures, capital experience of working on IT supplier arrangements, but our specialist AG is one of the very few UK law firms to have a in dedicated trademark and design filing know what questions to ask. From our team of contract lawyers who through options theAG, leading to a process ensure names that of proactive the whatever sector engagement your tofull put situation, their faith with you the us receive relevant as their the regulatory trusted support Body text consistent standard and clients benefit from our partner-led approach raisings, We really restructuring understand your and reorganisations, markets andcommercial regularly to significant build and structure payments team worked with many of the leading and pioneering practice. We combine this with an experienced team providing ato cost-effective service Corporate governance and the culture of firms, as well asregulatory remuneration, and breathe outsourcing and complex transactions, to ourand body. you adviser need. We across work on ahave wide the basis range ofof providing financial, constructive treasury and challenge funding matters. the G O V commitment toour client service. Our experienced team, which works across driven products orwho deals and that programmes. deliver services to your customers in a compliant, firms inprojects payment infrastructure and transaction management. We dealing HR policies with and intellectual recruitment property are all infringement, subject to regulatory from passing scrutiny. off and breach of copyright specialists can help partner with firms bring products to market. regulator The quality without of being client unnecessarily portfolio speaks confrontational volumes about or the antagonistic. regard in D E RNA AN AND BR D PEO NCE N information Abalance jurisdictions onconfidential an international isdisputes. experienced inorevery element butpatents commercially thoughtful understand how industry its infrastructure, associated to and We act for banks big business rather Senior managers carry personal liabilities for and staffand oweof We which aimthe to team strike isthe held. right between defending asserting PLcompliance ON level, Ioperates, Tway. E A T U EP RBrother clients’ needs, from day-to-day such as sales risks, and rate of innovation very fewservices other firms can than duties pop toproperty the stars regulator. and Big contestants. Our practical experience of dealing with the Far from being mere ‘deal-doers’, weyour take the worry out ofrival. regulations You your can position, also be but sure being that sensitive wethat are always to looking commercial for ways and that regulatory weand canpurchases C to complex portfolio transactions including Part VII transfers. Wemore know thatdevelop itRclosely isand important that we enhance your customer media, our clients’ communications advisers working through and transactions ensure that your successful working relationships innovate relationships. Our taxworking practice, and We for partner example, towith help with our stands our clients. clients out Recognising to through chart the best sheer that legal route range, and toand scale T relationships. sometimes business-critical crises with teams enables totoplug into your It is important, therefore, that your legal advisors understand theseusrisk remain entirely that successful. compliance resolution, and status including of need clients to –work ADR we advise, together both domestically and seamlessly hasleadership seen and us to internationally. manage draft representations regulatory Our specialist premises, property facilities infrastructure management organisation special dynamics add and value have experience immediately. of working within the sector. effectively, the Government weand have on the integrated content compliance of and finance bills. professionals within our team teammake benefits a large teamwhen of paralegals, that us afrom reliable partner you need making it most. our management services, not anjust extension your own butnames a cost effective AG hasare been doing thatreasons withofmany theteams, within These justonly some of the whyof AG isleading synonymous with thethe resource andoffer backsector. for Take you. a lookpackage industry. We aup comprehensive of services support the financial services at how we can help to you navigate FINANCIAL governance of both listed and non-listed institutions. the legal andneeds regulatory requirements of a rangefinancial of treasury and funding activities. SERVICES

FINANCE, TREASURY AND FUNDING 03

The consequences of getting things wrong can be severe for organisations and for individuals within them. It is an environment made yet more complex by the effects of globalisation, rapid technological advances and political events such as the UK’s decision to leave the EU. ICON

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BR AND AND REPUTATION 10

CUSTOMER AND SUPPLIER MANAGEMENT 09

PREMISES, PROPERT Y AND FACILITIES INFR ASTRUCTURE MANAGEMENT 08

TECHNOLOGY, PAYMENT INFR ASTRUCTURE AND TR ANSACTIONAL MANAGEMENT 07

GROWTH AND BUSINESS REORGANISATION 06

SUPPLIERS AND BUSINESS PARTNERS 05

Whilst AG responsible is one most of law the firms few firms have that corporate has expertise and M&A inthere the practices, full AG of has products a to safe products and services tomost customers. Whether you are a bank, and clarity. are for ensuring that your business partners comply with (AML) We today’s know and globalised that sanctions. in the financial cycle We combine of markets enterprises, in-depth within fractions technical of are knowledge arange second, challenges with Any organisation with a large property portfolio will likely experience specialist, designed for highly retail regarded, consumers, FS Transactions through to high worth customers onon leading and responsible for delivering payments capabilities oradvising athemselves. FinTech with a new One of the key considerations for many firms isnet potential damage to reputation; at AG, that regulatory requirements, even iffor they are regulated practical business with significant insight stability, consequences on which how regulators can be caused you work. and by We your a team pride variety business. ourselves of factors, from not challenges that can be costly and uncertain, so it’s important to deals multinational in the FS corporate Sector, from clients. domestic We draft and standard cross border terms M&A, used for debt youra range of services proposition, technology is to be at the heart of your delivery. financial services sector, its people are critical is Within at the the forefront banking ofand our minds when we work with you. We also have being technological academic advances and make to likely new regulation competition understandable and pension and challenges. accessible. trustworthy partner to guide you through the process. portfolio mainstream transfers, products, schemes as well under as acting Part VII you FSMA in bespoke and overseas corporate But for financial services firms they are also specifically to the success aimed of the at assisting firm. you to protect your brand and reputation. Our knowledge and breadth of experience gained from working with This We The offer AG makes Financial a comprehensive us easy Services to work range team with and has of specialist delivers thefor experience a financial more and usable services expertise, product equivalents, loan building orand society funding and deals. mergers, commercial and AG’s technology offering is different because not only doof we have reputational risk. key toarrangements regulatory compliance and financial services firms means wemutual understand the sector inside out or litigation, coupled service. with insolvency We the aim insight to achieve and probate innovation the support, best possible that with has aoutcome convinced variety for funding many our clients of and At we provide ainhigh quality, service capability delivered to alive affinity arrangements, strategic investments and joint ventures, capital experience of working on IT supplier arrangements, but our specialist AG is one of the very few UK law firms to have a in dedicated trademark and design filing know what questions to ask. From our team of contract lawyers who through options theAG, leading to a process ensure names that of proactive the whatever sector engagement your tofull put situation, their faith with you the us receive relevant as their the regulatory trusted support consistent standard and clients benefit from our partner-led approach raisings, We really restructuring understand your and reorganisations, markets andcommercial regularly to significant build and structure payments team worked with many of the leading and pioneering and the culture of firms, as well asregulatory remuneration, practice. We combine this with an experienced team providing ato cost-effective service Corporate governance and breathe outsourcing and complex transactions, to ourand body. you adviser need. We across work on ahave wide the basis range ofof providing financial, constructive treasury and challenge funding matters. the commitment toour client service. Our experienced team, which works driven products orwho deals and that programmes. deliver services tovolumes your customers in regard a compliant, firms inprojects payment infrastructure and transaction management. and recruitment are all subject to regulatory scrutiny. dealing HR policies with intellectual property infringement, from passing off andacross specialists can help partner with firms bring products toWe market. regulator The quality without of being client unnecessarily portfolio speaks confrontational about or the antagonistic. inbreach of copyright jurisdictions onconfidential an international level, isdisputes. experienced inorevery element butpatents commercially thoughtful way. understand how industry operates, its infrastructure, associated for compliance and staffand oweof to and information We act for banks big business rather Senior managers carry personal liabilities We which aimthe to team strike isthe held. right balance between defending asserting clients’ needs, from day-to-day such as sales risks, and rate of innovation very fewservices other firms can than duties pop toproperty the stars regulator. and Big Brother contestants. Our practical experience of dealing with the Far from being mere ‘deal-doers’, weyour take the worry out ofrival. regulations You your can position, also be but sure being that sensitive wethat are always to looking commercial for ways and that regulatory weand canpurchases to complex portfolio transactions including Part VII transfers. Wemore know thatdevelop it closely isand important that we enhance your customer media, our clients’ communications advisers working through and transactions ensure that your successful working relationships innovate relationships. Our taxworking practice, and We for partner example, towith help with our stands our clients. clients out Recognising to through chart the best sheer that legal route range, and toand scale relationships. therefore, that your legal advisors understand theseusrisk sometimes business-critical crises with teams enables totoplug into your It is important, remain entirely that successful. compliance resolution, and status including of need clients to –work ADR we advise, together both domestically and seamlessly hasleadership seen and us to internationally. manage draft representations regulatory Our specialist premises, property facilities infrastructure management of working within the sector. organisation special dynamics add and value have experience immediately. effectively, the Government weand have on the integrated content compliance of and finance bills. professionals within our team teammake benefits a large teamwhen of paralegals, that us afrom reliable partner you need making it most. our management services, not anjust extension your own butnames a cost effective doing thatreasons withofmany theteams, within AG hasare been These justonly some of the whyof AG isleading synonymous with thethe resource andoffer backsector. for Take you. a lookpackage industry. We aup comprehensive of services support the financial services at how we can help to you navigate of both listed and non-listed institutions. governance the legal andneeds regulatory requirements of a rangefinancial of treasury and funding activities.

PRODUCTS AND SERVICES 04

REGULATORY COMPLIANCE 02

GOVERNANCE AND PEOPLE 01

Dealing To Financial heading drive with growth services your or property firms, a managing business like assets businesses, be In financial services, reputation is critical At The Reputation When Raising the real products things heart finance impact is of don’t and the every of and most services this go financial according area valuable you ofall services business liquidity provide asset towill plan, anot firm is to business you your reorganisation, need core to partner business you with but need others it’s an often to experienced deliver critical to business success. This demands the should goes possesses need fundamental your customers a beyond partner be aand strong to the you its your are processes brand culture can what business. trust. should define of involved compliance. you be the as – itsymbol a to of the text Body your team services bringing toThe clients. together capabilities excellence and success. in highest standards of corporate governance. is vision business. theoperational conduit and values through financial that drive which services it. international industry is Failing At AG any we time, to comply understand the effective with that domestic mitigation thingsordon’t international of operational always run regulation smoothly, and financial carries so when risks severe is At transaction AG, we are execution dedicated with to market working leading together, commerce highly competitive can succeed. and firms are having toa AG can support you through both the commercial and the regulatory financial, you essential, need reputational help but never managing more and your so individual than financial in periods penalties. exposure of At economic or AG, are we dealing uncertainty. have more with and sector and our regulatory clients, their knowledge suppliers in and other respond to increasing innovation and new that your boards have the counsel of legal advisers Nurturing It is essential and protecting your reputation and brand is critical, especially in financial aspects of working with suppliers and partners – Financial a vital than dispute, 50with lawyers we ensure and that compliance the situation professionals isbusiness resolved specialising swiftly and in sensitively the with full stakeholders Services. to deliver commercial solutions Technology and payments infrastructure are areas that are the fastest and proven expertise, who are able to services, comprehensive which experience has suffered more than its fair share of bad press and criticism from an consideration in such a highly regulated sector where getting working range so Currency your of market technical crisis, reputation political regulatory change, doesn’t compliance social suffer. unrest requirements and military from action, consumer entrants to the market. moving and of most importance to be able to deliver relevant and insight and knowledge and to challenge with confidence increasingly advise you with cynical and distrusting public. partnerships wrong can have serious consequences. For example, you credit, among regulatory a myriad of capital other and things, data can protection all send to shockwaves anti-money through laundering aligned to your business drivers.

FINANCE, TREASURY AND FUNDING 03

AND GROWTH REGULATORY TECHNOLOGY, BRAND CUSTOMER SUPPLIERS HEADING GOVERNANCE FINANCE, PRODUCTS PREMISES, AND AND TREASURY PROPERTY AND AND REPUTATION BUSINESS PAYMENT SERVICES SUPPLIER AND REORGANISATION COMPLIANCE INFRASTRUCTURE MANAGEMENT BUSINESS PEOPLE AND FACILITIES FUNDING PARTNERS INFRASTRUCTURE AND TRANSACTIONAL MANAGEMENT MANAGEMENT

GOVERNANCE AND PEOPLE

GROWTH REGULATORY TECHNOLOGY, BRAND CUSTOMER SUPPLIERS FINANCE, PRODUCTS PREMISES, AND AND TREASURY PROPERTY AND AND REPUTATION BUSINESS PAYMENT SERVICES SUPPLIER AND REORGANISATION COMPLIANCE INFRASTRUCTURE MANAGEMENT BUSINESS AND FACILITIES FUNDING PARTNERS INFRASTRUCTURE AND TRANSACTIONAL MANAGEMENT MANAGEMENT

HOW WE CAN HELP...

BOARD MEMBERS OR PARTNERS

WITH PENSIONS ARRANGEMENTS

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BR AND AND REPUTATION 10

CUSTOMER AND SUPPLIER MANAGEMENT 09

PREMISES, PROPERT Y AND FACILITIES INFR ASTRUCTURE MANAGEMENT 08

TECHNOLOGY, PAYMENT INFR ASTRUCTURE AND TR ANSACTIONAL MANAGEMENT 07

Contact: Ben Koehne ben.koehne@addleshawgoddard.com

GROWTH AND BUSINESS REORGANISATION 06

Contact: Michael Leftley michael.leftley@ addleshawgoddard.com

SUPPLIERS AND BUSINESS PARTNERS 05

►A cting for those facing criminal or regulatory investigation arising from the firm’s conduct ► New board member training and support ► Private client services, including business succession planning and tax issues

PRODUCTS AND SERVICES 04

We can provide support to individuals personally, including:

►D irectors’ duties, Corporate Governance and regulatory compliance ► G overnance framework health checks ► Senior management and certification regimes ► Board, senior management, approved person and staff training ► Management information needs ► Boardroom reorganisation ► Listed company requirements, filing and company secretarial assessments ► Company culture ► AGM support ► Board and senior management remuneration and incentivisation ► Remuneration, performance and succession of partners

We can assist you with: Dealing To Financial drive with growth services your or property firms, a managing business like assets businesses, be At The Reputation When Raising the real products things heart finance impact isof don’t and the every of and most services this go financial according area valuable you ofall services business liquidity provide asset towill plan, anot firm is to business you We are experienced in: your reorganisation, need to partner business you with but need others it’s an often to experienced deliver critical to or hires ► Strategic colleague should goes possesses need fundamental your core customers a beyond partner be aand strong to the you its your are processes brand culture can what business. trust. should define of involved compliance. you be the as – itsymbol aexits of the ► Advising on all types of ► Contentious employee disputes your team services bringing toThe clients. together capabilities excellence and success. in is vision business. theoperational conduit and values through financial that drive which services it. international industry is Whistleblower proceedings Failing Atpension AG any we time, to comply understand the effective with that domestic mitigation thingsordon’t international of operational always run regulation smoothly, and financial carries so when risks severe is arrangements, At transaction AG, we are execution dedicated with to ►market working leading together, commerce highly competitive can succeed. and firms are having toaalongside ► Disciplinary processes AG can support you through both the commercial and the regulatory financial, you essential, need reputational help but never managing more and your so individual than financial in periods penalties. exposure of At economic or AG, are we dealing uncertainty. have more with including registered and sector and our regulatory clients, their knowledge suppliers in and other respond to increasing innovation and new Nurturing and protecting your reputation and brand is critical, especially in financial regulatory investigations aspects of working with suppliers and partners – Financial a vital than dispute, 50with lawyers we ensure and that compliance the situation professionals isbusiness resolved specialising swiftly and in sensitively the full unregistered schemes and life stakeholders Services. to deliver commercial solutions ► Development of global Technology and payments infrastructure are areas that are the fastest services, which has suffered more than its fair share of bad press and criticism from an consideration in such a highly regulated sector where getting working range so Currency your of market technical crisis, reputation political regulatory change, doesn’t compliance social suffer. unrest requirements and military from action, consumer assurance arrangements entrants to the market. ► Benefit design, including employment policies moving and of most importance to be able to deliver relevant and increasingly cynical and distrusting public. partnerships wrong can have serious consequences. For example, you credit, among regulatory a myriad of capital other and things, data can protection all send to shockwaves anti-money through laundering aligned to your business drivers. ►technical Discrimination Whilst AG isproducts one most of law the firms few firms have that corporate has expertise and M&A inthere the practices, full AG of has products a to dealing with changes to combine safe and services tomost customers. Whether you are aclaims bank, are responsible for ensuring that your business partners comply with (AML) We today’s know and globalised that sanctions. in the financial cycle We of markets enterprises, in-depth within fractions of are knowledge arange second, challenges with ► Subject access requests Any organisation with a large property portfolio will likely experience specialist, designed for highly retail regarded, consumers, FS Transactions through to high worth customers onon leading and pensions tax allowances responsible for delivering payments capabilities oradvising athemselves. FinTech with a new One of the key considerations for many firms isnet potential damage to reputation; at AG, that regulatory requirements, even iffor they are regulated practical business with significant insight stability, consequences on which how regulators can be caused you work. and by We your a team pride variety business. ourselves of factors, from not ► Rewriting trust deeds and rules ► Employment tribunal support challenges that can be costly and so it’s important to deals multinational in the FS corporate Sector, from clients. domestic We draft and standard cross border terms M&A, used for debt your proposition, technology is to uncertain, be at the heart of your delivery. is at the forefront of our minds when we work with you. We also have a range of services being technological academic advances and make to likely new regulation competition understandable and pension and challenges. accessible. ► Structuring alternatives torange ► Employee loans and salary trustworthy partner to guide you through the process. portfolio mainstream transfers, products, schemes as well under as acting Part VII you FSMA in bespoke andand overseas corporate specifically aimed at assisting you protect your brand and reputation. Our knowledge and breadth of experience gained from working with This We The offer AG makes Financial a comprehensive us easy Services to work team with and has ofto specialist delivers thefor experience a financial more usable services expertise, product and replacements for final sacrifice, company car and equivalents, loan arrangements building or society funding and deals. mergers, commercial and AG’s technology offering is different because not only do we have financial services firms means wemutual understand the sector inside out or litigation, coupled service. with insolvency We the aim insight to and achieve and probate innovation the support, best possible that with has aoutcome convinced variety of for funding many our clients of and salary and closures similar schemes At AG, we provide ainhigh quality, service capability delivered to alive affinity arrangements, strategic investments and joint ventures, capital experience of working on IT supplier arrangements, but our specialist AG is one of the very few UK law firms to have a in dedicated trademark and design filing know what questions to ask. From our team of contract lawyers who through options the leading to aschemes process ensure names that of proactive the whatever sector engagement your tofull put situation, their faith with you the us receive relevant as their the regulatory trusted support ► Employee data management of really schemes toon future service consistent standard and clients benefit from our partner-led approach raisings, We restructuring understand your and reorganisations, markets andcommercial regularly to significant build and regulatory structure payments team worked with many of the leading and pioneering practice. We combine this with an experienced team providing ato cost-effective service and breathe outsourcing and complex transactions, to ourand body. you adviser need. We across work ahave wide the basis range ofof providing financial, constructive treasury and challenge funding matters. the ► and safety accrual commitment toour client service. Our experienced team, which works driven products orwho deals and that programmes. deliver services tovolumes your customers in regard a compliant, firms inprojects payment infrastructure and transaction management. dealing with intellectual property infringement, from passing off andacross specialists can help partner with firms to Health bring products toWe market. regulator The quality without of being client unnecessarily portfolio speaks confrontational about or the antagonistic. inbreach of copyright ► Handling funding negotiations ► Contracts of employment jurisdictions onconfidential an international level, isdisputes. experienced inorevery element but commercially thoughtful way. understand how industry operates, its infrastructure, associated to patents and information We act for banks and of big business rather We which aimthe to team strike isthe held. right balance between defending asserting ►Our Foreign national employment with pension trustees clients’ property needs, from day-to-day such as sales risks, and ratebe of innovation very fewservices other firms can than pop stars and Big Brother contestants. practical experience of dealing with the Far from being mere ‘deal-doers’, weyour take the worry out ofrival. regulations You your can position, also but sure being that sensitive wethat are always to looking commercial for ways and that regulatory weand canpurchases ► Pension trustee services to more complex portfolio transactions including Part VII transfers. We know that it closely isand important that we enhance your customer media, our clients’ communications advisers working through and transactions ensure that your successful working relationships innovate relationships. Our taxworking practice, and develop We for partner example, towith help with our stands our clients. clients out Recognising to through chart the best sheer that legal route range, and toand scale ► Pension litigation pensions Contact: Michael Leftley relationships. sometimes business-critical crises with teams enables usrisk totoplug into your remain entirely that –work successful. compliance resolution, and status including of need clients to and ADR we advise, together both domestically and seamlessly hasleadership seen and us to internationally. manage draft representations regulatory michael.leftley@ ombudsman complaints Our specialist premises, property facilities infrastructure management organisation add value immediately. effectively, the Government weand have on the integrated content compliance of and finance bills. professionals within our team addleshawgoddard.com teammake benefits a large teamwhen of paralegals, making that us afrom reliable partner you need it most. our management Contact: Catherine services, not anMcAllister extension of your but a cost effective These are justonly some of the reasons whyown AG teams, is synonymous with the catherine.mcallister@ resource and backsector. up for Take you. a look at how we can help you navigate financial services addleshawgoddard.com the legal and regulatory requirements of a range of treasury and funding activities.

FINANCE, TREASURY AND FUNDING 03

Our expertise includes:

HR PROFESSIONALS REGULATORY COMPLIANCE 02

SENIOR BUSINESS LEADERS AND EXECUTIVES

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BR AND AND REPUTATION 10

CUSTOMER AND SUPPLIER MANAGEMENT 09

PREMISES, PROPERT Y AND FACILITIES INFR ASTRUCTURE MANAGEMENT 08

TECHNOLOGY, PAYMENT INFR ASTRUCTURE AND TR ANSACTIONAL MANAGEMENT 07

GROWTH AND BUSINESS REORGANISATION 06

SUPPLIERS AND BUSINESS PARTNERS 05

Whilst AG responsible isproducts one most of law the firms few firms have that corporate has expertise and M&A inthere the practices, full AG of has products a to safe and services tomost customers. Whether you are a bank, are for ensuring that your business partners comply with We combine in-depth technical knowledge with (AML) We today’s know and globalised that sanctions. in the financial cycle of markets enterprises, within fractions of are arange second, challenges Any organisation with a large property portfolio will likely experience specialist, designed for highly retail regarded, consumers, FS Transactions through to high worth customers onon leading and responsible for delivering payments capabilities oradvising athemselves. FinTech with a new One of the key considerations for many firms isnet potential damage to reputation; at AG, that regulatory requirements, even iffor they are regulated on how regulators work. We pride ourselves not practical business with significant insight stability, consequences which can be caused you and by your a team variety business. of factors, from challenges that can be costly and so it’s important to deals multinational in the FS corporate Sector, from clients. domestic We draft and standard cross border terms M&A, used for debt youra range of services proposition, technology is to uncertain, be at the heart of your delivery. is at the forefront of our minds when we work with you. We also have being technological academic advances and make to likely new regulation competition understandable and pension and challenges. accessible. trustworthy partner to guide you through the process. portfolio mainstream transfers, products, schemes as well under as acting Part VII you FSMA in bespoke andand overseas corporate specifically aimed at assisting you protect your brand and reputation. Our knowledge and breadth of experience gained from working with easy to work with and delivers a more usable product This We The offer AG makes Financial a comprehensive us Services range team has ofto specialist thefor experience financial services expertise, equivalents, loan arrangements building orand society funding and deals. mergers, commercial and AG’s technology offering is different because not only doof we have financial services firms means wemutual understand the sector inside out aim to achieve the best possible for our clients or litigation, coupled service. with insolvency We the insight and probate innovation support, that with has aoutcome convinced variety funding many of and At we provide ainhigh quality, service capability delivered to alive affinity arrangements, strategic investments and joint ventures, capital experience of working on IT supplier arrangements, but our specialist AG is one of the very few UK law firms to have a in dedicated trademark and design filing know what questions to ask. From our team of contract lawyers who of proactive engagement with the relevant regulatory through options theAG, leading to a process ensure names that the whatever sector your tofull put situation, their faith you us receive as their the trusted support consistent standard and clients benefit from our partner-led approach raisings, We really restructuring understand your and reorganisations, markets andcommercial regularly to significant build and regulatory structure payments team worked with many of the leading and pioneering practice. We combine this with an experienced team providing ato cost-effective service and breathe outsourcing and complex transactions, to ourand on the basis ofof constructive challenge the body. you adviser need. We across work ahave wide range providing financial, treasury and funding matters. commitment toour client service. Our experienced team, which works driven products orwho deals and that programmes. deliver services tovolumes your customers in regard a compliant, firms inprojects payment infrastructure and transaction management. dealing with intellectual property infringement, from passing off andacross specialists can help partner with firms to bring products toWe market. regulator The quality without of being client unnecessarily portfolio speaks confrontational about or the antagonistic. inbreach of copyright jurisdictions onconfidential an international level, isdisputes. experienced inorevery element butpatents commercially thoughtful way. understand how industry operates, its infrastructure, associated to and information We act for banks and of big business rather We which aimthe to team strike isthe held. right balance between defending asserting clients’ property needs, from day-to-day such as sales risks, and ratebe of innovation very fewservices other firms can thanfrom pop stars and Big Brother contestants. Our practical experience of dealing with the Far being mere ‘deal-doers’, weyour take the worry out ofrival. regulations sure that wethat are always looking for ways that weand canpurchases You your can position, also but being sensitive to commercial and regulatory to complex portfolio transactions including Part VII transfers. Wemore know thatdevelop it closely isand important that we enhance your customer media, our clients’ communications advisers working through and transactions ensure that your successful working relationships towith help our clients. Recognising that legal and innovate relationships. Our taxworking practice, and We for partner example, with stands our clients out to through chart the best sheer route range, toand scale relationships. sometimes business-critical crises with teams enables usrisk totoplug into your remain entirely that successful. seamlessly to internationally. manage regulatory compliance resolution, and status including of need clients to –work ADR we advise, together both domestically and hasleadership seen and us draft representations Our specialist premises, property facilities infrastructure management organisation add value immediately. weand have integrated compliance professionals within our team effectively, the Government on the content of and finance bills. teammake benefits a large teamwhen of paralegals, reliable partner you need making it most. our management that us afrom services, an of extension of your but a cost effective These arenot justonly some the reasons whyown AG teams, is synonymous with the resource and backsector. up for Take you. a look at how we can help you navigate financial services the legal and regulatory requirements of a range of treasury and funding activities.

PRODUCTS AND SERVICES 04

REGULATORY COMPLIANCE 02

Dealing To Financial drive with growth services your or property firms, a managing business like assets businesses, be At The Reputation When Raising the real products things heart finance impact isof don’t and the every of and most services this go financial according area valuable you ofall services business liquidity provide asset towill plan, anot firm is to business you your reorganisation, need to partner business you with but need others it’s an often to experienced deliver critical should goes possesses need fundamental your core customers a beyond partner be aand strong to the you its your are processes brand culture can what business. trust. should define of involved compliance. you be the as – itsymbol a to of the your team services bringing toThe clients. together capabilities excellence and success. in is vision business. theoperational conduit and values through financial that drive which services it. international industry is Failing At AG any we time, to comply understand the effective with that domestic mitigation thingsordon’t international of operational always run regulation smoothly, and financial carries so when risks severe is At transaction AG, we are execution dedicated with to market working leading together, commerce highly competitive can succeed. and firms are having toa AG can support you through both the commercial and the regulatory reputational and individual penalties. AG, we have more financial, you essential, need help but never managing more your so than financial in periods exposure of At economic or are dealing uncertainty. with and sector and our regulatory clients, their knowledge suppliers in and other respond to increasing innovation and new Nurturing and protecting your reputation and brand is critical, especially in financial aspects of working with suppliers and partners – Financial a vital specialising in the full than dispute, 50with lawyers we ensure and that compliance the situation professionals isbusiness resolved swiftly and sensitively stakeholders Services. to deliver commercial solutions Technology and payments infrastructure are areas that are the fastest services, which has suffered more than its fair share of bad press and criticism from an consideration in such a highly regulated sector where getting working regulatory compliance requirements from consumer range so Currency your of market technical crisis, reputation political change, doesn’t social suffer. unrest and military action, entrants to the market. moving and of most importance to be able to deliver relevant and increasingly cynical and distrusting public. partnerships wrong can have serious consequences. For example, you capital and data protection to anti-money laundering credit, among regulatory a myriad of other things, can all send shockwaves through aligned to your business drivers.

FINANCE, TREASURY AND FUNDING 03

REGULATORY COMPLIANCE

GROWTH TECHNOLOGY, BRAND CUSTOMER SUPPLIERS FINANCE, PRODUCTS PREMISES, AND AND TREASURY PROPERTY AND AND REPUTATION BUSINESS PAYMENT SERVICES SUPPLIER AND REORGANISATION INFRASTRUCTURE MANAGEMENT BUSINESS AND FACILITIES FUNDING PARTNERS INFRASTRUCTURE AND TRANSACTIONAL MANAGEMENT MANAGEMENT

Contact: Nichola Peters nichola.peters@addleshawgoddard.com

KEEP ON TOP OF REGULATORY STANDARDS We assist with: ► Conduct

and prudential regulation risk analyses ► Compliance assessment and audit ► Market Abuse / Insider Trading ► Structural issues around bank resolution and recovery and ringfencing ► Conduct

Contact: Brian McDonnell brian.mcdonnell@addleshawgoddard.com

HANDLING COMPETITION REGULATION

Our team will work with you to: ► Implement

competition compliance policies ► Provide support in handling dawn raids ► Handle competition based investigations ► Navigate merger control proceedings Contact: Bruce Kilpatrick bruce.kilpatrick@ addleshawgoddard.com

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CUSTOMER AND SUPPLIER MANAGEMENT 09

PREMISES, PROPERT Y AND FACILITIES INFR ASTRUCTURE MANAGEMENT 08

Contact: Toni Vitale toni.vitale@addleshawgoddard.com

► Regulatory and breach ► Lobby in relation toproducts changes of law Whilst AG isproducts one most oflaw the firms few firms havereporting that corporate has expertise and M&A inthere the practices, full AG of has a to safe and services tomost customers. Whether you are a bank, are responsible for ensuring that your business partners comply with We today’s know globalised that in the financial cycle of markets enterprises, within fractions of are arange second, challenges Any organisation with a large property portfolio will likely experience obligations toconsiderations regulators or policy specialist, designed for highly retail regarded, consumers, FS Transactions through to high worth customers onwith leading and responsible for delivering payments capabilities oradvising athemselves. FinTech a new One of thestability, key for many firms isnet potential damage to reputation; at AG, that regulatory requirements, even iffor they are regulated business with significant consequences which can be caused you and by your a team variety business. of factors, from ► S166 conducting ► Engage with trade associations challenges that can beorcostly and so it’s important to deals multinational in investigations the FS corporate Sector, from clients. domestic We draft and standard cross border terms M&A, used for debt youra range–of services proposition, technology is likely to uncertain, be at the heart of your delivery. is at the forefront of our minds when we work with you. We also have technological advances to new competition and pension challenges. your shadow S166 reviews we active relationships with trustworthy partner to guide you through the process. portfolio mainstream transfers, products, schemes as well under as acting Part VII you FSMA inhave bespoke andand overseas corporate specifically aimed at assisting you protect your brand and reputation. Our knowledge and breadth of experience gained from working with We The offer AGown Financial a comprehensive Services range team has ofto specialist thefor experience financial services expertise, ► Investigations enforcement most of the main financial equivalents, loan arrangements building orand society funding and deals. mergers, commercial and AG’s technology offering is different because not only doof we have financial services firms means wemutual understand the sector inside out litigation, coupled with insolvency the and insight and probate innovation support, that with has aconvinced variety funding many of andservices action, associations At AG, we provide acriminal quality, service capability delivered to alive affinity arrangements, strategic investments and joint ventures, capital experience of working on IT supplier arrangements, but our specialist AG is one of the very few UK law firms to have a in dedicated trademark and design filing know what questions to ask. From our team of contract lawyers who options the leading toincluding ensure names that inhigh the whatever sector your tofull put situation, their faith you us receive as their the trusted support ►to Implement legal and regulatory prosecutions consistent standard and clients benefit from our partner-led approach raisings, We really restructuring understand your and reorganisations, markets andcommercial regularly significant build and regulatory structure payments team worked with many of the leading and pioneering practice. We combine this with an experienced team providing a to cost-effective service and breathe outsourcing and complex transactions, ourand you adviser need. across ahave wide range of financial, treasury and funding matters. ► Large scale disclosure exercises, including conducting commitment toour client service. Our experienced team, which works driven products orwho deals and that programmes. deliver services tovolumes your customers in regard a compliant, firms inprojects payment infrastructure and transaction management. dealing with intellectual property infringement, from passing off andacross of copyright specialists can help partner with firms tochange, bring products toWe market. The quality of client portfolio speaks about the inbreachgap including e-disclosure analyses jurisdictions onconfidential an international level, isdisputes. experienced inorevery element but commercially thoughtful way. understand how industry operates, its infrastructure, associated to patents and information We act for banks and of big business rather We which aimthe to team strike isthe held. right balance between defending asserting ► Root cause and framing clients’ property needs, from day-to-day such as sales and purchases risks, and rateanalysis of innovation that very fewservices other firms can than pop stars and Big Brother contestants. Our practical experience of dealing with the Far from being mere ‘deal-doers’, weyour take the worry out ofrival. regulations your position, but being sensitive to commercial and regulatory remediation using our Contact: Amanda Hulme to more complex portfolio transactions including Part VII transfers. We know that We itapproaches isand important that we enhance your customer media, closely with our clients’ communications advisers working through and transactions ensure that your successful working relationships relationships. Our taxworking practice, for partner example, with stands our clients out to through chart the best sheer route range, toand scale amanda.hulme@addleshawgoddard.com “Remediation Roadmap” relationships. sometimes business-critical crises teams enables us totoplug into your remain entirely that –ADR successful. resolution, and status including of clients we advise, both domestically andwith hasleadership seen and us internationally. draft representations ► Waiver applications Our specialist premises, property facilities organisation and add value immediately. the Government on the content of and finance bills. infrastructure management team benefits from a large team of paralegals, making our management Contact: Chris Brennan services, not an of extension of your but a cost effective These are justonly some the reasons whyown AG teams, is synonymous with the chris.brennan@addleshawgoddard.com resource and backsector. up for Take you. a look at how we can help you navigate financial services the legal and regulatory requirements of a range of treasury and funding activities.

TECHNOLOGY, PAYMENT INFR ASTRUCTURE AND TR ANSACTIONAL MANAGEMENT 07

with the full range of necessary data laws and obligations: DPA, PECR, RIPA, YSC etc. ► Advice on single customer view and geo-location data loyalty schemes ► Drafting support around data documentation ► Enterprise-wide data audits ► Cyber security strategies ► Data transfer agreements in multiple jurisdictions ► Advice on data protection policies, data monetisation and data utilisation strategies

investigations into fraud and other financial crime ► Investigations over multiple jurisdictions ► Financial and trade sanctions legislation compliance ► Anti-money laundering risk assessments and policies, potential litigation and prosecutions ► Due diligence programmes relating to finance for mergers and acquisitions, joint ventures and other third parties ► Responding to injunction applications relating to a Proceeds of Crime Act freeze of funds

GROWTH AND BUSINESS REORGANISATION 06

► Compliance ► Internal

SUPPLIERS AND BUSINESS PARTNERS 05

We offer advice on:

Our team offers advice on:

IMPLEMENT HANDLE YOUR REGULATORY CHANGE REGULATORY RELATIONSHIPS Dealing To Financial drive with growth services or property firms, a managing business like assets all businesses, beyou: The Reputation When Raising real products things finance impact isyour don’t and the of and most services this go according area valuable you of business liquidity provide asset towill plan, anot is to business We can work with you toyou help your reorganisation, need core to partner business you with but need others it’s anoften to experienced deliver critical We support and work alongside you, goes possesses need fundamental your customers a beyond partner and to the you its your are processes brand can what business. trust. should define involved you be the as – itsymbol a to of the ► Stay up-to-date with regulatory navigating: your team services bringing toThe clients. together capabilities excellence and success. in is vision business. theoperational conduit and values through financial that drive which services it. international industry is At AG any we time, understand the effective thatmitigation things don’t of operational alwayschange. run smoothly, andWe financial soclients when risks isaccess offer At transaction AG, we are execution dedicated with to market working leading together, commerce highly competitive can succeed. and firms are having toaportal that ► Interactions with PRA, FCA, ICO, AG can support you through the commercial and the regulatory you essential, need help but never managing more your so both than financial in periods exposure of or are dealing uncertainty. with to economic Torchlight, our online and sector with and our regulatory clients, their knowledge suppliers in Financial and other respond to increasing and new Nurturing and protecting your reputation and provides brand is a critical, especially in financial Serious Fraud Office, and the aspects of working with suppliers andinnovation partners – asensitively vital dispute, we ensure that the situation isbusiness resolved swiftly and dashboard tracking stakeholders Services. to deliver commercial solutions Technology and payments infrastructure are areas that are the fastest services, which has suffered more than its fair share of bad press and criticism from an Police, international enforcement consideration in such a highly regulated sector where getting working so Currency your market crisis, reputation political change, doesn’t social suffer. unrest and military action, regulatory developments over a entrants to the market. moving and of most importance to be able to deliver relevant and increasingly cynical and distrusting public. cases using local specialists partnerships wrong can have serious consequences. For example, you among a myriad of other things, can all send shockwaves through timeline aligned to your business drivers.

PRODUCTS AND SERVICES 04

MANAGE YOUR DATA AND INFORMATION SECURITY

MANAGE YOUR FINANCIAL CRIME, SANCTIONS AND FRAUD RISK

HOW WE CAN HELP YOU...

FINANCE, TREASURY AND FUNDING 03

HOW WE CAN HELP YOU...

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BR AND AND REPUTATION 10

CUSTOMER AND SUPPLIER MANAGEMENT 09

PREMISES, PROPERT Y AND FACILITIES INFR ASTRUCTURE MANAGEMENT 08

TECHNOLOGY, PAYMENT INFR ASTRUCTURE AND TR ANSACTIONAL MANAGEMENT 07

GROWTH AND BUSINESS REORGANISATION 06

SUPPLIERS AND BUSINESS PARTNERS 05

Whilst AG responsible isproducts one most oflaw the firms few firms haveof that corporate has expertise and M&A inthere the practices, full AG of has products a to safe and services tomost customers. Whether you are a bank, are for ensuring that your business partners comply with financial markets within fractions of arange second, We today’s know globalised that in the cycle enterprises, are challenges consequences you and your business. Any organisation with a large property portfolio will likely experience specialist, designed for highly retail regarded, consumers, FS Transactions through to high worth customers onwith leading and responsible for delivering payments capabilities oradvising athemselves. FinTech a new One of thestability, key considerations for many firms isnet potential damage to reputation; at AG, that regulatory requirements, even iffor they are regulated business with significant which can be caused by a team variety of factors, from challenges that can be costly and so it’s important to deals multinational in the FS corporate Sector, from clients. domestic We draft and standard cross border terms M&A, used for debt youra range of services proposition, technology is to uncertain, be at the heart of your delivery. is at the forefront of our minds when we work with you. We also have technological advances to likely new competition and pension challenges. Services team has thefor experience expertise, trustworthy partner to guide you through the process. portfolio mainstream transfers, products, schemes as well under as acting Part VII you FSMA in bespoke andand overseas corporate specifically aimed at assisting you protect your brand and reputation. Our knowledge and breadth of experience gained from working with We The offer AG Financial a comprehensive range ofto specialist financial services the offering insight and innovation that has many of and equivalents, loan arrangements building orand society funding and deals. mergers, commercial and AG’s technology is different because not only doof we have financial services firms means wemutual understand the sector inside out litigation, coupled with insolvency probate support, with aconvinced variety funding tofull put their faith us as their trusted At we provide ainhigh quality, service capability delivered to alive affinity arrangements, strategic investments and joint ventures, capital experience of working on IT supplier arrangements, but our specialist AG is one of the very few UK law firms to have a in dedicated trademark and design filing know what questions to ask. From our team of contract lawyers who options theAG, leading to ensure names that the whatever sector your situation, you receive the support range of financial, treasury and funding matters. consistent standard and clients benefit from our partner-led approach raisings, We really restructuring understand your and reorganisations, markets andcommercial regularly to significant build and regulatory structure payments team worked with many of the leading and pioneering practice. We combine this with an experienced team providing a to cost-effective service and breathe outsourcing and complex transactions, ourand you adviser need. across ahave wide speaks about the inbreach of copyright commitment toour client service. Our experienced team, which works driven products orwho deals and that programmes. deliver services tovolumes your customers in regard a compliant, firms inprojects payment infrastructure and transaction management. dealing with intellectual property infringement, from passing off andacross specialists can help partner with firms to bring products toWe market. The quality of client portfolio jurisdictions onconfidential an international level, isdisputes. experienced inorevery element butpatents commercially thoughtful way. understand how industry operates, its infrastructure, associated to and information We act for banks and of big business rather We which aimthe to team strike isthe held. right balance between defending asserting clients’ property needs, fromthat day-to-day such as sales and purchases risks, and ratebut of innovation very fewservices other firms can thanfrom pop stars and Big Brother contestants. Our practical experience of dealing with the Far being mere ‘deal-doers’, weyour take the worry out ofrival. regulations your position, being sensitive to commercial and regulatory for example, stands out through sheer range, scale to complex portfolio transactions including Part VII transfers. Wemore know that We it closely isand important that we enhance your customer media, with our clients’ communications advisers working through and transactions ensure that your successful working relationships relationships. Our taxworking practice, partner with our clients to chart the best route toand of clients we advise, andwith hasleadership seen us internationally. draft representations relationships. sometimes business-critical crises teams enables us totoplug into your remain entirely that –ADR successful. resolution, and status including both domestically and content of and finance bills. infrastructure management Our specialistand premises, property facilities organisation add value immediately. the Government on the team benefits from a large team of paralegals, making our management justonly some the reasons whyown AG teams, is synonymous with the services, an of extension of your but a cost effective These arenot resource and backsector. up for Take you. a look at how we can help you navigate financial services the legal and regulatory requirements of a range of treasury and funding activities.

PRODUCTS AND SERVICES 04

Dealing To Financial drive with growth services or property firms, a managing business like assets businesses, be The Reputation When Raising real products things finance impact isyour don’t and the of and most services this go according area valuable you ofall business liquidity provide asset towill plan, anot is to business you your reorganisation, need to partner business you with but need others it’s anoften to experienced deliver critical goes possesses need fundamental your core customers a beyond partner and to the you its your are processes brand can what business. trust. should define involved you be the as – itsymbol a to of the your team services bringing toThe clients. together capabilities excellence and success. in is vision business. theoperational conduit and values through financial that drive which services it. international industry is of operational and financial risks is At AG any we time, understand the effective thatmitigation things don’t always run smoothly, so when At transaction AG, we are execution dedicated with to market working leading together, commerce highly competitive can succeed. and firms are having toa AG can support you through the commercial and the regulatory uncertainty. you essential, need help but never managing more your so both than financial in periods exposure of economic or are dealing with and sector with and our regulatory clients, their knowledge suppliers in Financial and other respond to increasing and new Nurturing and protecting your reputation and brand is critical, especially in financial aspects of working with suppliers andinnovation partners – asensitively vital dispute, we ensure that the situation isbusiness resolved swiftly and stakeholders Services. to deliver commercial solutions Technology and payments infrastructure are areas that are the fastest services, which has suffered more than its fair share of bad press and criticism from an consideration in such a highly regulated sector where getting working so Currency your market crisis, reputation political change, doesn’t social suffer. unrest and military action, entrants to the market. moving and of most importance to be able to deliver relevant and increasingly cynical and distrusting public. partnerships wrong can have serious consequences. For example, you of other things, can all send shockwaves through among a myriad aligned to your business drivers.

FINANCE, TREASURY AND FUNDING 03

FINANCE, TREASURY AND FUNDING

GROWTH TECHNOLOGY, BRAND CUSTOMER SUPPLIERS PRODUCTS PREMISES, AND AND PROPERTY AND AND REPUTATION BUSINESS PAYMENT SERVICES SUPPLIER AND REORGANISATION INFRASTRUCTURE MANAGEMENT BUSINESS FACILITIESPARTNERS INFRASTRUCTURE AND TRANSACTIONAL MANAGEMENT MANAGEMENT

HOW WE CAN HELP...

Contact: Peter Sayer peter.sayer@addleshawgoddard.com

Contact: David Ellis david.ellis@addleshawgoddard.com

ACHIEVE AN OPTIMUM BUSINESS STRUCTURE Our industry-recognised team can advise on: ► The

innovative use of LLPs by financial institutions, hedge funds and private equity houses asset management and financial services firms from limited company to LLP status ► Assisting teams leaving major investment houses and adopting LLP status ► Using LLPs as a vehicle for joint ventures ► Converting

Contact: William Wastie william.wastie@addleshawgoddard.com

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BR AND AND REPUTATION 10

few of products Whilst AG responsible isproducts one most oflaw the firms firms haveof that corporate has expertise and M&A inthere the practices, full AG has a to safe and services tomost customers. Whether you are a bank, are for ensuring that your business partners comply with We know that in the cycle enterprises, arerange challenges Any organisation with a large property portfolio will likely experience retail consumers, through to high worth customers and specialist, designed for highly regarded, FS onwith leading responsible for delivering payments capabilities oradvising athemselves. FinTech a new One of thestability, key considerations for many firms isnet potential damage to reputation; at AG, that regulatory requirements, even ifTransactions they are regulated business which can be caused by a team variety of factors, from challenges that can be costly and so it’s important to corporate draft for youra range of services deals multinational in the FS Sector, from clients. domestic We and standard cross border terms M&A, used debt proposition, technology is to uncertain, be at the heart of your delivery. is at the forefront of our minds when we work with you. We also have technological advances to likely new competition and pension challenges. trustworthy partner to guide you through the process. as well as acting for you in bespoke corporate portfolio mainstream transfers, products, schemes under Part VII FSMA and overseas specifically aimed at assisting you protect your brand and reputation. Our knowledge and breadth of experience gained from working with We offer a comprehensive range ofto specialist financial services deals. equivalents, loan arrangements building orand society funding and mergers, commercial and AG’s technology offering is different because only doof we have financial services firms means wemutual understand the sector inside out and litigation, insolvency probate support, withnot a variety funding At we provide a high quality, full service capability delivered to alive affinity arrangements, strategic investments and ventures, capital experience ofthe working on IT supplier arrangements, but ourthe specialist AGAG, is what one of very few UK law firms to have a joint dedicated trademark and design filing know questions to ask. From our team of contract lawyers who options to ensure that whatever your situation, you receive support consistent standard clients benefit from our partner-led approach raisings, We really restructuring understand your and reorganisations, markets andcommercial regularly to significant build and regulatory structure payments team haveand worked with many of the leading and pioneering practice. We combine this with an experienced team providing a to cost-effective service and breathe outsourcing and complex transactions, ourand you need. commitment to and client service. Our experienced team, which works that deliver services to your customers in a compliant, driven products orwho deals programmes. firms inprojects payment infrastructure and transaction management. dealing with intellectual property infringement, from passing off andacross breach of copyright specialists can help partner with firms to bring products toWe market. jurisdictions onconfidential an international level, isdisputes. experienced inorevery element butpatents commercially thoughtful way. understand how the industry operates, its infrastructure, associated to information We act for banks and of big business rather We aim to and strike right balance between defending asserting clients’ property needs, fromthat day-to-day such as sales and purchases risks, and ratebut of innovation very fewservices other firms can thanfrom pop stars and Big Brother contestants. Our practical experience of dealing with the Far being mere ‘deal-doers’, weyour take the worry out ofrival. regulations your position, being sensitive to commercial and regulatory to complex portfolio transactions including Part VII transfers. it closely isand important that we enhance your customer Wemore know that We media, working with our clients’ communications advisers and transactions ensure that your successful working relationships relationships. partner with our clients to chart the best route toand working through relationships. sometimes business-critical crises with leadership teams enables us to plug into your remain entirely that –ADR successful. resolution, including both domestically and internationally. Our specialistand premises, property and facilities infrastructure management organisation add value immediately. team benefits from a large team of paralegals, making our management services, not only an extension of your own teams, but a cost effective resource and back up for you.

CUSTOMER AND SUPPLIER MANAGEMENT 09

► Acquisitions

PREMISES, PROPERT Y AND FACILITIES INFR ASTRUCTURE MANAGEMENT 08

and fund structuring and disposals of businesses and subsidiaries ► Disposals and purchases of loan portfolios ► Commercial financing transactions, including real estate finance and complex structures ► Credit card affinity arrangements ► FX supply agreements ► A variety of partnering and outsourcing arrangements ► High-value strategic issues, including significant multijurisdictional reorganisations ► Reviewing treasury operations to increase tax efficiencies

on raising capital and issuing regulatory capital instruments ► Settling legal mandates, drafting investment management concentration restrictions and investment policies ► Assisting to settle risk and reward profiles ► Identifying and evaluating alternative credit risk mitigation techniques, including regulatory capital efficiencies ► Treasury governance arrangements ► A range of legal documentation to implement aspects of treasury funding, advising on all aspects of agreements for trading, from financial instruments to currencies

TECHNOLOGY, PAYMENT INFR ASTRUCTURE AND TR ANSACTIONAL MANAGEMENT 07

► Fundraising ► Advising

GROWTH AND BUSINESS REORGANISATION 06

Our expertise includes:

Dealing To Financial drive with growth services ormost property firms, a business like assets businesses, be The Reputation When real products things impact isyour don’t and the of services this go according area valuable you ofall business provide asset towill plan, anot to business you your reorganisation, need to partner business you with but need others it’s anoften to experienced deliver critical goes possesses need your core customers a beyond partner and the you its are processes brand can what trust. should define involved you be the as – itsymbol a to of the your team services bringing toThe clients. together capabilities excellence and success. in is vision business. theoperational conduit and values through financial that drive which services it. international industry is At AG we understand that things don’t always run smoothly, so when At transaction AG, competitive we are execution dedicated with to market working leading together, commerce highly can succeed. and firms are having toa AG can support you through the commercial and the regulatory you need help managing yourboth financial exposure or are dealing with and sector with and our regulatory clients, their knowledge suppliers in Financial and other respond to increasing and new Nurturing and protecting your reputation and brand is critical, especially in financial aspects of working with suppliers andinnovation partners – asensitively vital dispute, we ensure that the situation isbusiness resolved swiftly and stakeholders Services. to deliver commercial solutions Technology and payments infrastructure are areas that are the fastest services, which has suffered more than its fair share of bad press and criticism from an consideration in such a highly regulated sector where getting working so your market reputation doesn’t suffer. entrants to the market. moving and of most importance to be able to deliver relevant and increasingly cynical and distrusting public. partnerships wrong can have serious consequences. For example, you aligned to your business drivers.

SUPPLIERS AND BUSINESS PARTNERS 05

We advise on both the tax and VAT aspects of:

PRODUCTS AND SERVICES 04

WITH TAXATION

YOUR BUSINESS TO RAISE FINANCES AND MANAGE LIQUIDITY

PRODUCTS AND SERVICES

We can advise on:

We are experienced in:

► Regulated

► Asset

banking products, including ISAs, bank, currency, payment and savings accounts ► Asset finance structures, hire purchase, conditional sale, finance leasing and personal contract purchase ► Insurance ► Regulated lending, including mortgages, secured lending, credit cards and loans ► Assisting with new product approval processes ► Pre-paid products, including open and closed loop

and wealth management and custody services ► Investment product manufacturing and distribution ► Crowd funding and peer-to-peer structures ► Legal advice on trusteeships and executorships ► Corporate trustee obligations ► Private capital services, including tax structuring, and the creation of family investment companies to manage family wealth and investment ► Banking

Contact: Brian McDonnell brian.mcdonnell@addleshawgoddard.com

Contact: Amanda Hulme amanda.hulme@addleshawgoddard.com

SERVICING GOVERNMENTAL AND PUBLIC BODIES

DELIVER INNOVATION AND NEW TECHNOLOGY Our industry-leading team can help with:

We are a trusted partner across a range of public sector requirements advising both the public and private sectors on a range of issues, such as:

► Online

and mobile banking payments ► New ways of paying or accessing products and services ► Loyalty issues and membership reward schemes, including ‘mobile wallets’ ► Marketing and data exploitation ► Support for FinTech businesses

► Compliance

with public procurement rules and initiating challenges for noncompliance ► Preparing for and participating in tender processes governed by public procurement rules ► Advising on changes to awarded contracts

Contact: Fiona Ghosh fiona.ghosh@addleshawgoddard.com

Contact: Jonathan Davey jonathan.davey@addleshawgoddard.com

LARGE CORPORATES AND INSTITUTIONAL We have experience in: CUSTOMERS Dealing To Financial drive with growth services ormost property firms, a business like assets businesses, be The Reputation When real things impact isyour don’t the of this go according area valuable ofall business asset towill plan, anot business you your reorganisation, need core to partner business you with but need others it’s anoften to experienced deliver critical to ► Equipment finance and receivables We can assist goes possesses need a beyond partner and the you its processes brand can trust. should involved be the – with: itsymbol of the financing structures your team services bringing tovalues clients. together capabilities excellence and success. in is vision theoperational conduit and through that drive which it. international ► Aircraft finance, covering all aspects of ► smoothly, Structuring At we understand that things don’t always run sofunding when and banking facilities AtAGAG, transaction we are execution dedicated with to market working leading together, commerce can succeed. AG can support you through the commercial and the regulatory aviation law managing for all types ofwith businesses you need help yourboth financial exposure or are dealing a and sector with and our regulatory clients, their knowledge suppliers in and other ► Marineof finance, financing of reputation various ► Arranging bond issuesinand private Nurturing and protecting your and brand is critical, especially financial aspects working with suppliers and partners – Financial a vital dispute, we ensure that the situation isbusiness resolved swiftly and sensitively stakeholders Services. to deliver commercial solutions Technology and payments infrastructure are areas that are the fastest commercial vehicle fleets and stocking placement services, which has more than its fair share ofgetting bad press and criticism from an consideration in suchsuffered a highly regulated sector where working so your market reputation doesn’t suffer. ► Super-senior, moving and of most importance to be able to deliver relevant andsenior, finance arrangements increasingly cynical and distrusting public. partnerships wrong can have serious consequences. For example, you mezzanine, aligned to your business drivers.

► Financing receivables (sale and Whilst most law firms have and M&Athere practices, AG has a to subordinated and unitranche facilities safe products and services tomost customers. Whether you a bank, are responsible for ensuring that your business partners comply with We know that in the cycle ofcorporate enterprises, areare challenges ► advising Lathemselves. everaged finance Any organisation with a large property portfolio will likely experience purchase of portfolios, project specialist, highly regarded, FS onwith leading responsible forlease delivering payments capabilities or FinTech a new One of thestability, key considerations for many firms is potential damage to reputation; at AG, that regulatory requirements, even ifTransactions they are regulated business which can be caused by a team variety of factors, from ► Rimportant eal estate finance, investment challenges that can becontracts) costly and so it’s to and lease deals in the FS Sector, from domestic and cross border M&A, debt proposition, technology is to uncertain, bewe at the heart of your delivery. is contracts at the forefront of our minds when work with you. We also have a including range of services technological advances to likely new competition and pension challenges. ► Security and residual development trustworthy partner to guide you through the process. portfolio transfers, schemes under Part VII FSMA and overseas specifically aimed at assisting you protect your brand and reputation. Our knowledge and breadth of experience gained from working with facilities We offer a arrangements comprehensive range ofto specialist financial services Funding ofhave energy and renewables value support equivalents, building society and mergers, commercial and AG’s technology offering is different because only doof we financial services firms means wemutual understand the sector inside out and litigation, insolvency and probate support, withnot a►variety funding projects At we provide a high quality, full service capability delivered to alive affinity arrangements, strategic investments and ventures, capital experience ofthe working on IT supplier arrangements, but ourthe specialist AGAG, is what one of very few UK law firms to have a joint dedicated trademark and design filing know questions to ask. From our team of contract lawyers who options to ensure that whatever your situation, you receive support ► Ftransactions, unding for borrowers Contact: Andrew Maskill consistent standard and clients benefit from our partner-led approach raisings, restructuring and reorganisations, to significant payments team have worked with many of the leading andregulatory pioneering practice. We combine this with an experienced team providing a to cost-effective service and breathe outsourcing and complex commercial ourandin regulated you need. andrew.maskill@addleshawgoddard.com sectors receiving publicoffunds such as commitment to and client service. Our experienced team, whichorworks driven programmes. firms inprojects payment infrastructure and transaction management. We dealing with intellectual property infringement, from passing off andacross breach copyright specialists who can help partner with firms to bring products to market. andrew.maskill@addleshawgoddard.com education, healthcare, housing and jurisdictions onconfidential an level, isdisputes. experienced inorevery element understand how theinternational industry operates, its infrastructure, associated to patents information We act for banks and of bigsocial business rather We aim to and strike right balance between defending asserting insurance clients’ property needs, fromthat day-to-day such as sales and purchases risks, and ratebut of innovation very fewservices other firms can thanfrom pop stars and Big Brother contestants. Our practical experience of dealing with the Far being mere ‘deal-doers’, weyour take the worry out ofrival. regulations your position, being sensitive to commercial and regulatory Cash management including to more complex portfolio transactions including VII transfers. media, working closely with our clients’ communications advisers working through and transactions and ensure that your successful working relationships relationships. We partner with our clients to chart►Part the best route toand products, innovative bulk payment sometimes business-critical crises with leadership teams enables us to plugproducts into your remain entirely that –ADR successful. resolution, including both domestically and internationally. ►F orex, derivatives, hedging, treasury Our specialistand premises, property and facilities infrastructure management organisation add value immediately. and our related financing transactions and team benefits from a large team of paralegals, making management WITH ASSET BASED services, not only an extension of your own teams,documentation but a cost effective LENDING, INVOICE ► Islamic finance documentation resource and back up for you.AND TRADE FINANCE ► Funds establishment, marketing and funding We can assist you with: Contact: Amanda Gray ► Legal aspects of supply chain finance amanda.gray@addleshawgoddard.com including emerging markets, advising on bilateral supplier finance arrangements, through to multiparty hosted supply chain finance programmes, and structuring off-balance-sheet third party funding by investors into a bank’s supply chain finance programmes ► A range of trade finance products including documentary credits, import finance, pre- and post-export finance, receivables finance and bills of exchange including structured trade finance products

Contact: Mike Davison mike.davison@addleshawgoddard.com 15 17 21 19 21

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WITH ASSET FINANCE DEALS

CUSTOMER AND SUPPLIER MANAGEMENT 09

ULTRA AND HIGH-NETWORTH INDIVIDUALS, FAMILIES AND TRUSTS

PREMISES, PROPERT Y AND FACILITIES INFR ASTRUCTURE MANAGEMENT 08

MANAGE AND DEVELOP RETAIL AND SME PRODUCTS

TECHNOLOGY, PAYMENT INFR ASTRUCTURE AND TR ANSACTIONAL MANAGEMENT 07

HOW WE CAN HELP YOU...

GROWTH AND BUSINESS REORGANISATION 06

HOW WE CAN HELP YOU...

SUPPLIERS AND BUSINESS PARTNERS 05

GROWTH TECHNOLOGY, BRAND CUSTOMER SUPPLIERS PREMISES, AND AND PROPERTY AND REPUTATION BUSINESS PAYMENT SUPPLIER AND REORGANISATION INFRASTRUCTURE MANAGEMENT BUSINESS FACILITIESPARTNERS INFRASTRUCTURE AND TRANSACTIONAL MANAGEMENT MANAGEMENT

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CUSTOMER AND SUPPLIER MANAGEMENT 09

PREMISES, PROPERT Y AND FACILITIES INFR ASTRUCTURE MANAGEMENT 08

TECHNOLOGY, PAYMENT INFR ASTRUCTURE AND TR ANSACTIONAL MANAGEMENT 07

Whilst most law firms haveofcorporate and M&Athere practices, AG haswith a to safe products and services tomost customers. Whether you a bank, are for ensuring that your business partners comply We responsible know that in the cycle enterprises, areare challenges Any with a large property portfolio will likely experience specialist, highly regarded, FS onwith leading responsible for considerations delivering payments capabilities oradvising athemselves. FinTech a new One organisation of thestability, key for many firms is potential damage to reputation; at AG, that regulatory requirements, even ifTransactions they are regulated business which can be caused by a team variety of factors, from challenges that can be costly and so it’s important to deals in the FS Sector, from domestic and cross border M&A, debt proposition, technology is to uncertain, bewe at the heart of your delivery. is at the forefront of our minds when work with you. We also have a range of services technological advances to likely new competition and pension challenges. trustworthy partner to guiderange you through the process. portfolio transfers, schemes under Part VII FSMA and overseas specifically aimed at assisting you protect your brand and reputation. and breadth of experience gained from working with Our knowledge We offer a comprehensive ofto specialist financial services equivalents, building society and mergers, commercial and AG’s technology offering is different because only doof we have firms means wemutual understand the sector inside out and financial services litigation, insolvency and probate support, withnot a variety funding At we provide a high quality, full service capability delivered to alive affinity arrangements, strategic investments and ventures, capital experience ofthe working on IT supplier arrangements, but ourthe specialist AGAG, is what one of very few UK law firms to have a joint dedicated trademark and design filing to ask. From our team of contract lawyers who know questions options to ensure that whatever your situation, you receive support consistent standard clients benefit from our partner-led approach raisings, restructuring and reorganisations, to significant payments team haveand worked with many of the leading andregulatory pioneering practice. We combine this with an experienced team providing a to cost-effective service and breathe outsourcing and complex commercial transactions, ourand you need. commitment to and client service. Our experienced team, which works driven programmes. firms inprojects payment infrastructure and transaction management. dealing with intellectual property infringement, from passing off andacross breach of copyright help partner with firms to bring products toWe market. specialists who can jurisdictions onconfidential an level, isdisputes. experienced inorevery element understand how theinternational industry operates, its infrastructure, associated to patents information We act for banks and of big business rather We aim to and strike right balance between defending asserting clients’ property needs, fromthat day-to-day such as sales and purchases risks, and ratebut of innovation very fewservices other firms can thanfrom pop stars and Big Brother contestants. Our practical experience of dealing with the ‘deal-doers’, weyour take the worry out ofrival. regulations Far being mere your position, being sensitive to commercial and regulatory to more complex portfolio transactions including VII transfers. media, working closely with our clients’ communications advisers your and transactions and ensure that successful working relationships relationships. We partner with our clients to chartPart the best route toand working through sometimes business-critical crises with leadership teams enables us to plug into your that –ADR successful. remain entirely resolution, including both domestically and internationally. Our specialistand premises, property and facilities infrastructure management organisation add value immediately. team benefits from a large team of paralegals, making our management services, not only an extension of your own teams, but a cost effective resource and back up for you.

GROWTH AND BUSINESS REORGANISATION 06

Dealing To Financial drive with growth services ormost property firms, a business like assets businesses, be The Reputation When real things impact isyour don’t the of this go according area valuable ofall business asset towill plan, anot business you your reorganisation, need core to partner business you with but need others it’s anoften to experienced deliver critical to goes possesses need a beyond partner and the you its processes brand can trust. should involved be the – itsymbol of the your team services bringing tovalues clients. together capabilities excellence and success. in is vision theoperational conduit and through that drive which it. international At AG we understand that things don’t always run smoothly, so when At AG, we are transaction execution dedicated with to market workingleading together, commerce can succeed. you through the commercial and regulatory AG support you can need help managing yourboth financial exposure or arethe dealing with a and sector with and our regulatory clients, their knowledge suppliers in and other Nurturingof and protecting your reputation and brand is critical, especially in financial suppliers andisbusiness partners – Financial a vital aspects working with dispute, we ensure that the situation resolved swiftly and sensitively stakeholders Services. to deliver commercial solutions Technology and payments infrastructure are areas that are the fastest services, which has more than its fair share ofgetting bad press and criticism from an inreputation suchsuffered a highly regulated sector where working consideration so your market doesn’t suffer. moving and of most importance to be able to deliver relevant and you increasingly cynical and distrusting public. partnerships wrong can have serious consequences. For example, aligned to your business drivers.

SUPPLIERS AND BUSINESS PARTNERS 05

SUPPLIERS AND BUSINESS PARTNERS

GROWTH TECHNOLOGY, BRAND CUSTOMER PREMISES, AND AND PROPERTY AND REPUTATION BUSINESS PAYMENT SUPPLIER AND REORGANISATION INFRASTRUCTURE MANAGEMENT FACILITIES INFRASTRUCTURE AND TRANSACTIONAL MANAGEMENT MANAGEMENT

► International

► Debt

outsourcing, including offshoring of business processes ► Information systems and other major systems implementation and integration projects ► Card-related outsourced servicing and portfolio management arrangements ► Facilities management suppliers or other outsourcing of operational support, such as pensions and payroll administration ► Arrangements with servicing companies, for example where firms provide operational infrastructure to support third-party products ► Agreements with credit reference agencies

portfolio transfers and affinity arrangements ► Strategic investments and joint ventures ► Capital raisings ► Structuring deals or partnerships, including the use of LLP structures ► Commercial

Contact: Rosanna Bryant rosanna.bryant@addleshawgoddard.com

Contact: Michael Lowry michael.lowry@addleshawgoddard.com

WITH ARRANGEMENTS SUPPORTING PRODUCT DISTRIBUTION

Dealing To drive with growth ormost property a business assets be The Reputation When real things impact isyour don’t the of this go according area valuable of business asset towill plan, anot business you your reorganisation, core business you but need it’s anoften experienced critical to goes possesses need a beyond partner and the you its processes brand can trust. should involved be the – itsymbol of the your team bringing together capabilities excellence and success. in is vision theoperational conduit and values through that drive which it. international At AG we understand that things don’t always run smoothly, so when At AG, we are transaction execution dedicated with to market workingleading together, commerce can succeed. you need help managing your financial exposure or are dealing with a and sector with and our regulatory clients, their knowledge suppliers in and other Nurturingwe and protecting your reputation and brand is critical, especially in financial dispute, ensure that the situation is resolved swiftly andFinancial sensitively stakeholders Services. to deliver commercial solutions Technology andreputation payments infrastructure are areas that the fastest services, which has suffered moresuffer. than its fair share of are bad press and criticism from an so your market doesn’t moving and of importance to be able to deliver relevant and increasingly cynical and distrusting public. aligned tomost your business drivers.

most law firms haveofcorporate and Whether M&Athere practices, AG has a to Whilst safe products and services tomost customers. you a bank, We know that in the cycle enterprises, areare challenges Any with a large property portfolio will experience onwith leading specialist, highly regarded, FS Transactions responsible for considerations delivering payments capabilities oradvising alikely FinTech a new One organisation of thestability, key for many firms is potential damage to reputation; at AG, that business which can be caused by a team variety of factors, from challenges that can be costly and so it’s important to from domestic and cross border M&A, debt deals in the FS Sector, proposition, technology is to uncertain, bewe at the heart of your delivery. is at the forefront of our minds when work with you. We also have a range of services technological advances to likely new competition and pension challenges. trustworthy partnerat toassisting guiderange you through theFSMA process. schemes under Part VII and overseas portfolio specifically aimed you protect your brand and reputation. We offer transfers, a comprehensive ofto specialist financial services and equivalents, building society and mutual mergers, commercial AG’s technology offering is different because only doofwe have litigation, insolvency and probate support, withnot a variety funding At we provide a high full service capability delivered to a and design filing affinity arrangements, strategic investments and ventures, capital experience ofthe working on quality, IT supplier arrangements, but ourthe specialist AGAG, is one of very few UK law firms to have a joint dedicated trademark options to ensure that whatever your situation, you receive support consistent standard clients benefit from our partner-led approach and and reorganisations, to significant raisings, payments team haveand worked with many of the leading andregulatory pioneering practice. We combine this with an experienced team providing a cost-effective service you need.restructuring commitment to and client service. Our experienced team,passing which works programmes. driven firms inprojects payment infrastructure and transaction from management. We dealing with intellectual property infringement, off andacross breach of copyright jurisdictions onconfidential an level, isdisputes. experienced inorevery element understand how theinternational industry operates, its infrastructure, associated to patents information We act for banks and of big business rather We aim to and strike right balance between defending asserting clients’ property needs, fromthat day-to-day such asrival. sales and purchases risks, and ratebut of innovation very fewservices other can than position, pop stars and Big Brother contestants. Ourfirms practical experience of dealing with the your being sensitive to your commercial and regulatory to moreworking complex portfolio transactions including transfers. media, closely with ourour clients’ communications advisers relationships. We partner with clients to chartPart the VII best route toand working through sometimes including business-critical crises with leadership teams enables us to plug into your resolution, ADR both domestically and internationally. Our specialistand premises, property and facilities infrastructure management organisation add value immediately. team benefits from a large team of paralegals, making our management services, not only an extension of your own teams, but a cost effective resource and back up for you.

AG can advise on: ► All

the contractual arrangements underpinning commercial or consumer vehicle or asset sales, including dealer arrangements and stocking finance ► Insurance distribution deals, including claims handling and other operational issues ► Life and investment product distribution ► Introducer and brokerage arrangements ► Arrangements with retailers, including affinity deals, gift cards, and joint ventures for the sale of financial services products ► White labelling arrangements ► Dealing with data ownership Contact: Fiona Ghosh fiona.ghosh@addleshawgoddard.com

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We are industry specialists in: CUSTOMER AND SUPPLIER MANAGEMENT 09

Our expertise includes:

PREMISES, PROPERT Y AND FACILITIES INFR ASTRUCTURE MANAGEMENT 08

PARTNERING WITH OTHERS TECHNOLOGY, PAYMENT INFR ASTRUCTURE AND TR ANSACTIONAL MANAGEMENT 07

CONTRACT WITH SUPPLIERS

GROWTH AND BUSINESS REORGANISATION 06

HOW WE CAN HELP YOU...

GROWTH AND BUSINESS REORGANISATION

PAYMENT TECHNOLOGY, BRAND CUSTOMER PREMISES, ANDPROPERTY AND REPUTATION SUPPLIER AND INFRASTRUCTURE MANAGEMENT FACILITIES INFRASTRUCTURE AND MANAGEMENT TRANSACTIONAL MANAGEMENT

We provide a professional and sensitive service in times of change, including:

► Supporting

complex transactions working closely with group and divisional/functional legal teams, strategy/corporate development teams, project management teams, compliance/risk/regulatory, data, tax, HR and Comms, all to deliver effective support on transactions ► Advisory support incorporating the regulatory lens ► Buy side deals; undertake scoped and sector relevant diligence alongside your business functions ► Sell side deals; advising on strategic and non-core divestment programmes

► TUPE

considerations, changes to senior manager responsibilities and redundancy programmes ► Banking and insurance business transfer schemes ► Helping large-scale downsizing and restructuring exercises with a view to balancing employment and commercial risk ► Putting in place intra-group arrangements ► Strategic reviews of group pension schemes following corporate acquisitions ► Review and analysis of impact on thirdparty suppliers

Contact: Mike Duggan mike.duggan@addleshawgoddard.com

Contact: Hugh Lauritsen hugh.lauritsen@addleshawgoddard.com

Dealing with property assets be The Reputation When real things impact isyour don’t the ofmost this go according area valuable of business asset towill plan, anot business you your core business but it’s often critical to goes possesses need a beyond partner and the you itsprocesses brand can trust. should involved be the – itsymbol of the your capabilities and success. is vision theoperational conduit and values through that drive whichit. international At AG we understand that things don’t always run smoothly, so when At AG, we are to working together, candedicated succeed. commerce you need help managing your financial exposure or are dealing with a and with our clients, their suppliers other Nurturingwe and protecting your reputation and brand is critical, especially in financial dispute, ensure that the situation is resolved swiftly andand sensitively stakeholders to deliver commercial solutions payments infrastructure are areas that the fastest Technology andreputation services, which has suffered moresuffer. than its fair share of are bad press and criticism from an so your market doesn’t importance to be able to deliver relevant and moving and of increasingly cynical and distrusting public. aligned tomost your business drivers.

and services Whether safe products customers. a bank, to We know that in the cycle oftomost enterprises, thereyou areare challenges Any with a large property portfolio will experience capabilities or alikely FinTech with a new responsible for considerations delivering payments One organisation of thestability, key forcaused many firms is potential damage to reputation; at AG, that business which can be by a variety of factors, from challenges that can be costly so it’s important to have a range of services to uncertain, bewe at the heart of your delivery. proposition, technology is is at the forefront of our minds when work with you. We also technological advances to likely newand competition and pension challenges. trustworthy partnerattoassisting guiderange you through the process. specifically aimed you protect your brandservices and reputation. We offer a comprehensive oftospecialist financial offering is different because only doofwe have AG’s technology litigation, insolvency and probate support, withnot a variety funding At we provide a high full service capability to a and design filing working on quality, IT supplier arrangements, butdelivered ourthe specialist experience ofthe AGAG, is one of very few UK lawyour firms to have a dedicated trademark options to ensure that whatever situation, you receive support consistent standard clients benefit from our partner-led approach and haveand worked with many payments team of the leading and pioneering practice. combine this with an experienced team providing a cost-effective service you need.We commitment to client service. Our experienced team,passing which works and transaction from management. We firms in with payment infrastructure dealing intellectual property infringement, off andacross breach of copyright jurisdictions onconfidential an level, isdisputes. experienced inorevery element its infrastructure, associated understand how theinternational industry operates, to patents information We act for banks and of big business rather We aim to and strike right balance between defending asserting clients’ property needs, fromthat day-to-day such asrival. sales and purchases very fewservices other can risks, and ratebut of innovation than position, pop stars and Big Brother contestants. Ourfirms practical experience of dealing with the your being sensitive to your commercial and regulatory to moreworking complex portfolio transactions including transfers. media, closely with ourour clients’ communications advisers relationships. We partner with clients to chartPart the VII best route toand working through sometimes including business-critical crises with leadership teams enables us to plug into your resolution, ADR both domestically and internationally. Our specialistand premises, property and facilities infrastructure management organisation add value immediately. team benefits from a large team of paralegals, making our management services, not only an extension of your own teams, but a cost effective resource and back up for you.

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We can help you with:

CUSTOMER AND SUPPLIER MANAGEMENT 09

IN THE EVENT OF A BUSINESS REORGANISATION PREMISES, PROPERT Y AND FACILITIES INFR ASTRUCTURE MANAGEMENT 08

FS TRANSACTIONS AND ADVISORY SUPPORT

TECHNOLOGY, PAYMENT INFR ASTRUCTURE AND TR ANSACTIONAL MANAGEMENT 07

HOW WE CAN HELP YOU...

TECHNOLOGY, PAYMENT INFRASTRUCTURE AND TRANSACTIONAL MANAGEMENT

PREMISES, AND CUSTOMER BRAND ANDPROPERTY AND REPUTATION SUPPLIER FACILITIES INFRASTRUCTURE MANAGEMENT MANAGEMENT

HOW WE CAN HELP YOU...

MAKE TRANSACTIONS UTILISING INTERBANK PAYMENT INFRASTRUCTURES

DEAL WITH CARD PAYMENTS

We can help with: ► Payment

schemes such as BACS, CHAPS, Faster Payments, SEPA, SWIFT and sponsoring bank arrangements ► Settlement risk and timings ► Cheque administration services, including international cheque clearing ► Global payments and correspondent banking arrangements ► FX solutions and platforms

Contact: Richard Evetts richard.evetts@addleshawgoddard.com

Contact: William James william.james@addleshawgoddard.com

MANAGING TECHNOLOGY We can help with:

KEEP PACE WITH SECTOR INNOVATIONS

► IT

procurement Outsourcing, and Business Process Outsourcing ► Advising in relation to cloud services transactions including SaaS and IaaS ► Integrating new models of service delivery, including cloud based solutions, either at the outset of a service provision, or as part of a transformational business project ► Software licensing and integration projects including ERP ► Telecommunications, WAN, LAN, MVNO ► IT

We can provide guidance across a wide range of new and emerging platforms, including: ► How

to use these new channels, such as mobile and email payments ► E-Wallets and mobile payments, including their associated commercial arrangements and infrastructure ► Carrier billing ► Bill payment solutions ► Peer-to-peer payment platforms ► Blockchain technology and crypto currencies

Dealing withisyour property assets be Reputation When things don’t the most go according valuable asset towill plan, anot business you your core business but it’s oftenbe critical to possesses need a partner and you its brand can trust. should the symbol of the your and success. visionoperational and valuescapabilities that drive it. At AG we understand that things don’t always run smoothly, so when At AG, we are dedicated to working together, you need help managing your financial exposure or are dealing with a and with ourthat clients, their suppliers other Nurturing and protecting your reputation and brand is critical, especially in financial dispute, we ensure the situation is resolved swiftly andand sensitively stakeholders to deliver commercial solutions services, whichreputation has suffered moresuffer. than its fair share of bad press and criticism from an so your market doesn’t increasingly and distrusting public. aligned cynical to your business drivers.

We know that in the cycle of most enterprises, there are challenges to with a large property will likely experience Any One organisation of thestability, key considerations forcaused manyportfolio firms is potential damage to reputation; at AG, that business which can be by a variety of factors, from uncertain, so it’s important to have a range of services challenges that can be costly is at the forefront of our minds when we work with you. We also technological advances to newand competition and pension challenges. guiderange you through the process. trustworthy partnerattoassisting specifically aimed you protect your brandservices and reputation. We offer a comprehensive oftospecialist financial litigation, insolvency and probate support, with a variety of funding full service capability delivered to a and design filing At we provide a high quality, AGAG, is one of the very few UK lawyour firms to have a dedicated trademark options to ensure that whatever situation, you receive the support and clients benefit from ourteam partner-led approach and consistent standard practice. combine this with an experienced providing a cost-effective service you need.We Ourinfringement, experienced from team,passing which works commitment to client service. dealing with intellectual property off andacross breach of copyright onconfidential an level, isdisputes. experienced inorevery element jurisdictions to patents information We act for banks and of big business rather We aim to and strike theinternational right balance between defending asserting needs, from day-to-day such as regulatory sales and purchases clients’ property than position, pop starsbut and Big Brother contestants. Our practical experience of dealing with the your being sensitive to your services commercial and to moreworking complex portfolio transactions including transfers. media, closely with ourour clients’ communications advisers relationships. We partner with clients to chartPart the VII best route toand working through sometimes including business-critical crises with leadership teams enables us to plug into your resolution, ADR both domestically and internationally. premises, property and facilities infrastructure management Our specialistand organisation add value immediately. team benefits from a large team of paralegals, making our management services, not only an extension of your own teams, but a cost effective resource and back up for you.

Contact: Damon Rosamond-Lanzetta damon.rosamond-lanzetta@ addleshawgoddard.com

Contact: Amanda Hulme amanda.hulme@addleshawgoddard.com

23 2325 29

BR AND AND REPUTATION 10

schemes, including authorisations, membership requirements, compliance, interchange, chargeback and issuer/ merchant liabilities ► Bank Identification Number sponsorship arrangements ► Payment processors and ‘master merchants’

CUSTOMER AND SUPPLIER MANAGEMENT 09

► Card

PREMISES, PROPERT Y AND FACILITIES INFR ASTRUCTURE MANAGEMENT 08

We can advise on:

PREMISES, PROPERTY AND FACILITIES INFRASTRUCTURE MANAGEMENT

SUPPLIER CUSTOMER BRAND ANDAND REPUTATION MANAGEMENT

HOW WE CAN HELP YOU...

We specialise in:

We can advise on: ► ► ► ► ► ►

► ► ► ► ► ► ►

► ► ► ►

Lease negotiations, including renewals Acquisition and fit-out of new properties Retention of existing properties Disposal of surplus properties on terms that generate best value/end your liabilities Engagement with your surveyors, contractors and professional appointments Establish best practice for housekeeping, including protocol for deeds management and administration and reporting lines Branch fit-outs Regulatory and customer issues involved in branch closure Structures for holding properties Environmental impact and compliance Health and safety Property insurance cover Challenges and how you meet them

► ►

►

Sales and purchases of freehold properties Lease acquisitions and renewals Lease disposals and sub-lettings Portfolio day-to-day management matters, consents, variations and applications to landlords Rent reviews The litigious elements of renewal, advice regarding arrears, break notices, dilapidations, property related insolvency work and other property management matters The acquisition, disposal and reorganisation of property portfolios not in the ordinary course of business, including Part VII Transfers Specialist input in relation to property tax, planning, construction and environmental issues

Contact: Christopher Cartwright christopher.cartwright@addleshawgoddard.com

When thingsisdon’t Reputation the most go according valuable asset to plan, a business you possesses need a partner and you its brand can trust. should be the symbol of the vision and values that drive it.

At AG we understand that things don’t always run smoothly, so when you need help managing your financial exposure or are dealing with a Nurturingwe and protecting your reputation and brand is critical, especially in financial is resolved swiftly and sensitively dispute, ensure that the situation services, whichreputation has suffered moresuffer. than its fair share of bad press and criticism from an doesn’t so your market increasingly cynical and distrusting public. We know that in the cycle of most enterprises, there are challenges to One of thestability, key considerations forcaused many firms is potential damage to reputation; at AG, that which can be by a variety of factors, from business is at the forefront of our minds we work with you. We also have a range of services technological advances to newwhen competition and pension challenges. range financial specifically aimed at assisting youoftospecialist protect your brandservices and reputation. We offer a comprehensive litigation, insolvency and probate support, with a variety of funding receive the supportand design filing AG is one of the very UK lawyour firms to have you a dedicated trademark options to ensure thatfew whatever situation, need.We combine this with an experienced team providing a cost-effective service practice. you dealing with intellectual property infringement, from passing off and breach of copyright the right balance between defending or for asserting to patents confidential information disputes. We act banks and big business rather We aim to and strike sensitive to your commercial and regulatory than position, pop starsbut andbeing Big Brother contestants. Our practical experience of dealing with the your We partner with clients to chart the best route toand working through media, working closely with ourour clients’ communications advisers relationships. sometimes including business-critical crises with leadership teams enables us to plug into your resolution, ADR both domestically and internationally. organisation and add value immediately.

Contact: Christopher Cartwright christopher.cartwright@addleshawgoddard.com

WITH LEGAL MANAGER SERVICES Our team delivers advice on:

WITH OFFSHORE JURISDICTIONS

► ► ► ► ► ►

Our international partnerships enable us to: ►D eliver a client’s vision, requirements and operations ► Secure the delivery of services in each jurisdiction for like cost ► Establish a community of law firms across jurisdictions working effectively for an improved client experience

E-disclosure Data room management Document reviews Due diligence Document management Resolving disputes

Contact: Peter Kershaw peter.kershaw@addleshawgoddard.com

Contact: Hemal Kotecha hemal.kotecha@addleshawgoddard.com

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BR AND AND REPUTATION 10

DELIVER KEY SERVICES CUSTOMER AND SUPPLIER MANAGEMENT 09

MANAGE YOUR FIRM’S PROPERTY NEEDS

CUSTOMER AND SUPPLIER MANAGEMENT

BRAND AND REPUTATION

HANDLE RECOVERIES AND CLAIMS FROM CUSTOMERS

SUPPORT CUSTOMERS OR SUPPLIERS IN DISTRESS

We can help by:

Clients appreciate our:

► Advising

► Early

on complex, strategically significant and high-value claims ► Providing strategic and technical support on significant claims to the Financial Ombudsman Service ► Handling customer complaints, from alleged compliance breaches and mis-selling claims to discrimination claims and declined customer applications ► Managing anti-money laundering controls, including issues like account freezing and navigating Proceeds of Crime Act obligations ► Advising on claims involving property-based security, including repossession issues, security valuation and rectifying titles where an intended mortgage security has not been registered ► Supporting you with the recovery of assets of all types from photocopiers to aircraft, including international work ► Getting involved in claims involving customer fraud and negligence ► Advising on customer vulnerability, discrimination issues and arrears management policies ► Assisting on large-scale remediation exercises, from identifying affected customer groups to managing communication strategies

involvement in identifying problems and promoting constructive dialogue with stakeholders ► Cross-sector expertise to effectively manage a restructuring or financially-stressed scenario ► Help when customers or suppliers go into administration ► Ability to liaise with administrators to secure early return of assets ► Strong relationships with restructuring and insolvency specialists at leading accountancy firms and property agents ► Support with unwinding trading positions, including negotiations with creditors and debtors post-financial crisis collapses Contact: Graham Briggs graham.briggs@addleshawgoddard.com

Reputation is the most valuable asset a business DEAL WITH CLAIMS WITH INTERNATIONAL possesses and its brand should be the symbol of theAND MEDIATION AGAINST SUPPLIERS, OTHER ARBITRATION vision and values that drive it. PROFESSIONALS

We can help by: OR SERVICE PROVIDERS Nurturing and protecting your reputation and brand is critical, especially in financial We are experienced in: ► Providing strategic services, which has suffered more than its fair share of bad press and criticism frominput an throughout the process ► Drafting arbitration clauses and advising on increasingly cynical and distrusting public. ► Professional negligence and fraud claims against agreements, including multiparty contractual valuers, brokers orfor other suppliers One of the solicitors, key considerations many firms is potential damagearrangements to reputation; at AG, that ► Handling disputes withminds insurers relating to your for of proceedings, from interpretation of an is at the forefront of our when we work with you. We also► Preparing have a range services cover arbitration clause to enforcement of the outcome specifically aimed at assisting you to protect your brand and reputation. ► Dealing with data loss or security incidents involving ► Getting involved in the selection and appointment parties of arbitrators AGthird is one of the very few UK law firms to have a dedicated trademark and design filing ► Indemnity against dealers or suppliersteam of providing►a Preparing written submissions and advocacy practice. We claims combine this with an experienced cost-effective service goodswith or services, arising frominfringement, defective goods orpassing off and services, asofwell as pulling together the full team dealing intellectual property from breach copyright or other regulatory breaches and services to services, patents and confidential information disputes. We act for banks and big business rather ► Service issues associated with technologyOur practical experience ► Handling arbitrations under International Chamber than pop stars and Big Brother contestants. of dealing with the platforms, outsourced suppliers, or disagreements Commerce, London Court of International media, working closely with our clients’ communications advisersofand working through between joint venture partners Arbitration, sometimes business-critical crises with leadership teams enables us to plugStockholm into your Chamber of Commerce and the United Nations Commission on International organisation and add value immediately. Contact: Ben Lowans Trade Law ben.lowans@addleshawgoddard.com Contact: Simon Kamstra simon.kamstra@addleshawgoddard.com

WITH TRUST AND PROBATE ARRANGEMENTS

Contact: Sally Emerton sally.emerton@addleshawgoddard.com

We can provide: ► Advising ► Advising

on all types of trust structures trustees on their role and duties under

trust law advice on complex probate issues

► Expert

Contact: Pervinder Kaur pervinder.kaur@addleshawgoddard.com

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BR AND AND REPUTATION 10

HOW WE CAN HELP YOU...

Reputation is the most valuable asset a business possesses and its brand should be the symbol of the vision and values that drive it. Nurturing and protecting your reputation and brand is critical, especially in financial services, which has suffered more than its fair share of bad press and criticism from an increasingly cynical and distrusting public. One of the key considerations for many firms is potential damage to reputation; at AG, that is at the forefront of our minds when we work with you. We also have a range of services specifically aimed at assisting you to protect your brand and reputation. AG is one of the very few UK law firms to have a dedicated trademark and design filing practice. We combine this with an experienced team providing a cost-effective service dealing with intellectual property infringement, from passing off and breach of copyright to patents and confidential information disputes. We act for banks and big business rather than pop stars and Big Brother contestants. Our practical experience of dealing with the media, working closely with our clientsâ&#x20AC;&#x2122; communications advisers and working through sometimes business-critical crises with leadership teams enables us to plug into your organisation and add value immediately.

BR AND AND REPUTATION 10

BRAND AND REPUTATION

THE AG APPROACH TO QUALITY CLIENT SERVICE

HOW WE CAN HELP YOU...

WITH INTELLECTUAL PROPERTY REGISTRATION SERVICES

WITH REPUTATION AND INFORMATION PROTECTION

HOW WE DELIVER IS AS IMPORTANT TO US AS WHAT WE DELIVER

OUR TRANSACTION SERVICES TEAM

Our expertise includes:

Our team handles issues including:

► Advising

► Media

As legal partner to hundreds of major companies, AG is ambitious, innovative and flexible in equal measure. This mix enables us to take an efficient and cost-effective approach to helping your business manage its finances, remain compliant, and keep pace with new developments in technology.

We have large paralegal centres in Manchester and Leeds, which can be used to complete work that fully qualified lawyers do not need to do. This pioneering team of around 150 high-performing paralegals and managers provide a wide range of support to our clients. They handle more routine or volume work, marketing sign off, contract review and diligence and process management.

on all aspects of the protection, maintenance and enforcement of trademark and design rights and domain name issues ► Global branding and clearance advice for new product launches ► Registering and maintaining a robust trademark portfolio as part of your intellectual property enforcement strategy ► Social media strategy ► Dealing with competitor marketing claims that reference your brand in comparative advertising or bid on your brands as part of a sponsored keyword advertising strategy ► Data scraping advice Contact: Paul Bentham paul.bentham@addleshawgoddard.com

crisis management malicious falsehood and business libel ► Privacy and confidentiality ► Social media and online issues ► Misuse of information ► Handling freedom of information requests ► Reputational risk mitigation ► Dealing with complaints to the Independent Press Standards Organisation, Ofcom and the Advertising Standards Agency ► Defamation,

Contact: David Engel david.engel@addleshawgoddard.com

WE ARE INNOVATING TO MEET THE NEEDS OF OUR CLIENTS BETTER

Contact: Mike Potter michael.potter@addleshawgoddard.com

We are committed to using technology in our own business to improve our services to our clients. We can work with you to streamline your own legal processes and to manage legal documentation.

AG INTEGRATE Sometimes, you just need additional legal support on the ground. Our legal consultancy service focusses on providing more senior or specialist lawyers on contract to you. However, with AG Integrate, you don’t just get a contract lawyer, but we also stand behind our consultants and make available our resources to all consultants placed by us.

Contact: Mike Potter michael.potter@addleshawgoddard.com

Project Management We understand how important it is for your matters to be handled effectively and efficiently. That is why we invest in our lawyers by training them on project management tools and approaches.

ENFORCE YOUR INTELLECTUAL PROPERTY OR BRAND RIGHTS

Contact: Greg Bott greg.bott@addleshawgoddard.com

Contact: Sally Emerton sally.emerton@addleshawgoddard.com

We can advise on: ► Data

and confidential information disputes party trademark infringement and passing off disputes ► Recovering domain names registered by unauthorised third parties ► Notice and takedown procedure as a quick and effective method for removing offending material and fake websites ► Patent and technology disputes ► Software licensing disputes ► Third

Contact: Emma Armitage emma.armitage@addleshawgoddard.com

THE AG APPROACH TO QUALITY CLIENT SERVICE

CLIENT DEVELOPMENT CENTRE (CDC)

THOUGHT LEADERSHIP

We genuinely care about your business and your employees. At the heart of our service is a desire to build strong personal and business relationships in which we are fully invested.

For AG, thought leadership comes in the form of insight pieces, training, events and news briefings. We provide clients with updates on the latest legal developments and industry news, all geared to providing essential insight and competitive advantage. We regularly create briefings, newsletters and articles to keep you abreast of key regulatory changes and issues that could affect you.

An important part of this is the CDC, which was set up in 2005 to deliver a range of organisational change and personal development programmes to businesses like yours. A key focus is to support general counsel and heads of legal, sharing our expertise to maximise the success and contribution of your in-house legal team.

We understand that each sector and business area has different issues, and therefore we ensure that all our thought leadership is developed keeping in mind sector and business specific nuances and market shifts. Our aim is to not only keep you up to date on key trends and issues that will impact your business, but also be able to translate such market developments and provide actionable insight i.e. the ‘so-what’.

Contact: Greg Bott greg.bott@addleshawgoddard.com

Thought leadership for us is the ability to inspire you to think about how you can leverage the various legal and regulatory developments and take steps to succeed in the market. It’s the ability to help our clients differentiate signal from noise. Our end objective is to equip and enable you to make the right decisions at the right time.

LAW FIRM COLLABORATION We are a down-to-earth firm that is easy to work with. This is not only reflected in our client relationships, but in how we work with other UK law firms, which is sometimes required to ensure you receive a seamless and integrated service, cost-effective advice and the right combination of expertise.

Contact: Isha Chander isha.chander@addleshawgoddard.com James Smith james.smith@addleshawgoddard.com

This has seen us partner with magic circle law firms on high-profile deals or major implementation projects for financial services firms. What’s important is that we build the right team of experts for you.

AN INTERNATIONAL CORPORATE LAW FIRM

Contact: Michael Birchall michael.birchall@addleshawgoddard.com

Our client base includes a significant number of FTSE 100 companies as well as global institutions with headquarters in the US and the Far East. Our international reach means that we act for clients on global deals on a day-to-day basis and recent transactions have covered over 70 countries.

TORCHLIGHT In today’s highly complex regulatory environment, staying abreast and keeping informed of future legal regulatory developments is top of the agenda for regulatory and risk management teams, in-house counsel and knowledge managers. That is why we have developed Torchlight, an interactive web-based solution which helps you keep track of future legal and regulatory developments in the financial services sector.

To deliver seamless international coverage for our clients, we collaborate with a trusted network of Preferred Firms around the world, which are leading in their respective jurisdictions and have well-developed and specialist financial services offerings. Contact: Claire Northcote claire.northcote@addleshawgoddard.com

Contact: Richard Gaston richard.gaston@addleshawgoddard.com

OUR PEOPLE

OUR CLIENTS

If your business involves financial services, we will have acted for others in your sector.

If you would like to talk to us and don’t know who to call at AG, please do call your main contact and we will put you in touch with the right people. Otherwise, feel free to contact our Financial Services Leadership Team below.

The consistently positive feedback and calibre of our new and returning clients is why we do what we do, while never resting on our laurels when it comes to the standard of service we offer. Here’s just a snapshot of the type of clients we’ve represented, from across the financial services industry.

Clearing houses

Sally Emerton Partner, Co-Head of Financial Services

Amanda Hulme Partner, Co-Head of Financial Services

+44 (0)113 209 2345 sally.emerton@addleshawgoddard.com

+44 (0)207 880 5853 amanda.hulme@addleshawgoddard.com

Asset, fund and wealth managers

Investment banks E-money issuers Energy firms Private banks Financial advisers

Pension providers Foreign banks Building societies

Insurers Lenders Peer-to-peer lenders Funds Brokers Card issuers Stock exchanges Fintechs Loan and mortgage servicers Private equity investors

Friendly societies

Isha Chander Financial Services Marketing and Business Development +44 (0)207 160 3973 isha.chander@addleshawgoddard.com

Debt collectors and purchasers

Money services businesses Credit reference agencies

Merchant acquirers Asset and motor finance providers

addleshawgoddard.com Doha, Dubai, Hong Kong, Leeds, London, Manchester, Muscat, Singapore and Tokyo* * a formal alliance with Hashidate Law Office

ÂŠ 2017 Addleshaw Goddard LLP. All rights reserved. Extracts may be copied with prior permission and provided their source is acknowledged. This document is for general information only. It is not legal advice and should not be acted or relied on as being so, accordingly Addleshaw Goddard disclaims any responsibility. It does not create a solicitorclient relationship between Addleshaw Goddard and any other person. Legal advice should be taken before applying any information in this document to any facts and circumstances. Addleshaw Goddard is an international legal practice carried on by Addleshaw Goddard LLP (a limited liability partnership registered in England & Wales and authorised and regulated by the Solicitors Regulation Authority) and its affiliated undertakings. Addleshaw Goddard operates in the Dubai International Financial Centre through Addleshaw Goddard (Middle East) LLP (registered with and regulated by the DFSA), in the Qatar Financial Centre through Addleshaw Goddard (GCC) LLP (licensed by the QFCA), in Oman through Addleshaw Goddard (Middle East) LLP in association with Nasser Al Habsi & Saif Al Mamari Law Firm (licensed by the Oman Ministry of Justice) and in Hong Kong through Addleshaw Goddard (Hong Kong) LLP (a limited liability partnership registered in England & Wales and registered and regulated as a foreign law firm by the Law Society of Hong Kong, operating in Hong Kong as a Hong Kong limited liability partnership pursuant to the Legal Practitioners Ordinance) in association with Francis & Co. In Tokyo, legal services are offered through Addleshaw Goddardâ&#x20AC;&#x2122;s formal alliance with Hashidate Law Office. A list of members/principals for each firm will be provided upon request. The term Partner refers to a member of Addleshaw Goddard LLP or an employee or consultant of the LLP or any of its affiliated firms or entities with equivalent standing and qualifications. If you prefer not to receive promotional material from us, please email us at unsubscribe@aglaw.com For further information please consult our website www.addleshawgoddard.com or www.aglaw.com

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