ࡱ> OQP5@ bjbj22 &&XX O$$ pXlE8$yR!....4.:,^\ bb( 0  R"4"\"\,}>,$ #}}}   The FSA is the independent watchdog that regulates financial services. It requires us to give you this document. Use this information to decide if our services are right for you.  ( We offer products from the whole market. ( We can only offer products from a limited number of companies. Ask us for a list of the companies and products we offer. ( We only offer products from a single group of companies.  ( We will advise and make a recommendation for you after we have assessed your needs. ( You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed. ( We will provide basic advice on a limited range of stakeholder products and in order to do this we will ask some questions about your income, savings and other circumstances but we will not: conduct a full assessment of your needs; offer advice on whether a non-stakeholder product may be more suitable.  ( Before we provide you with advice we will give you our keyfacts guide about the cost of our services ( We will tell you how we get paid, and the amount, before we carry out any business for you  Israel Discount Bank Ltd is authorised and regulated by the Financial Services Authority. Our FSA registration number is 234668. Our permitted business is Advising on Investments, Arranging Deals in Investments and Dealing in Investments. You can check this on the FSAs Register by visiting the FSAs website  HYPERLINK "http://www.fsa.gov.uk/register/" www.fsa.gov.uk/register/ or by contacting the FSA on 0845 606 1234.  If you wish to register a complaint, please contact us: in writing Write to: Compliance Department, IDB, Nightingale House, 65 Curzon Street, London W1J 8PE. by phone Telephone 020 7499 1444 If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service  We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Most types of investment business are covered for 100% of the first 30,000 and 90% of the next 20,000 so the maximum compensation is 48,000. Further information about compensation scheme arrangements is available form the FSCS. About our services 1. The Financial Services Authority (FSA) 2. Whose products do we offer? 3. Which service will we provide you with? 4. What will you have to pay us for this service? 5. Who regulates us? 6. What to do if you have a complaint? 7. 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