To: Cogher, Michael Subject: RE: Standards Hearing From: David Hughes Sent: 02 February 2016 11:15 To: Cogher, Michael Subject: Yesterday conversation Dear Michael I refer to our telephone conversation on 1st February. I was responsible for the Virtual Golf Event and Adam Brook works for me. I confirm that neither I, Adam nor Barnett Waddingham have any actual or anticipated business connection with John Chapman. We were put in touch with him by Phillip Seaman, an acquaintance of mine and we had no prior involvement with Mr Chapman before this introduction which was simply for the purpose of facilitating the Virtual Golf Event. Please do not hesitate to contact me if you need any further assistance. Kind regards David Hughes Head of Data, Analytics and Pricing solutions Barnett Waddingham Barnett Waddingham LLP (OC307678), BW SIPP LLP (OC322417), Barnett Waddingham Actuaries and Consultants Limited (06498431) are registered in England and Wales with their registered office at Cheapside House, 138 Cheapside, London EC2V 6BW. This message and any attachments are confidential and are solely for the individual to whom they are addressed. Any use of, or action taken in reliance upon this information by any other person is prohibited. If you received this information in error, please contact the sender immediately and delete the material from any computer that may contain it and destroy any printed copies you may have made. We have taken all reasonable precautions to ensure that no viruses are transmitted with this message. However, we can accept no responsibility for any loss or damage resulting directly or indirectly from the use of this e-mail or its contents. Incoming and outgoing e-mails are subject to scanning and may be intercepted by our e-mail administrators. Barnett Waddingham LLP is authorised and regulated by the Financial Conduct Authority and is licensed by the Institute and Faculty of Actuaries for a range of investment business activities. Barnett Waddingham Actuaries and Consultants Limited is licensed by the Institute and Faculty of Actuaries in respect of a range of investment business activities. BW SIPP LLP is authorised and regulated by the Financial Conduct Authority.