Prime Meridian Direct (“PMD”) has a strong focus on customer satisfaction and aims to be respected and recognised for the fair treatment of its customers. PMD is fully committed to delivering service of the highest standard as its customers are its most valuable asset. PMD’s Treating the Customer Fairly (“TCF”) policy is structured according to the guidance provided by the Financial Services Board (“FSB”) to ensure it consistently delivers fair outcomes to its customers. TCF was clearly raised as one of the compliance objectives during PMD’s annual strategy meeting and formally adopted by the Board. PMD will further ensure it reviews this policy on an ad hoc basis but at least annually. In order to implement PMD’s policies on TCF each of its affiliated Insurers, reinsurers, UMAs, administrators and employees are expected to understand and apply this policy and are bound thereto in terms of the standards of service delivery set out below.