• How our relationship with you will work.
• How we expect you to do business with us.
• Processes and procedures governed by the Terms of Business.
• The products and online services available to you and who can use these.
• The standards which we expect you to comply with when using our online services.

You should read this in conjunction with the Terms of Business and the documents listed below. These documents form a legal and regulatory framework governing the relationship between you and us.

Remuneration options for Skandia Investment Solutions

Skandia commission scales

Legal framework

Schedule of definitions

Funds list