David Toner holds a professional qualification approved by the Financial Conduct Authority for providing retail investment advice. This Statement of Professional Standing is valid from December 3, 2014 to December 2, 2015, as verified by Chris Ray, Director of Professional Services & Marketing at the Institute of Financial Services. People can check if David Toner is approved to provide financial advice on the Financial Conduct Authority website using his reference number.

1. STATEMENT OF PROFESSIONAL STANDING
This is to verify that:
David Toner
FCA reference number: DXT01403
This SPS is valid for the period 3 December 2014 - 2 December 2015
Chris Ray, Director, Professional Services & Marketing
Verification number: 29321
The Institute of Financial Services is the professional body of ifs University College, a registered charity, incorporated by Royal Charter.
Institute of Financial Services, ifs House, 4-9 Burgate Lane, Canterbury, Kent, CT1 2XJ T +44 (0)1227 818609 E sps@ifslearning.ac.uk W www.iofs.org.uk
holds a qualification that is listed in the FCA (Financial Conduct
Authority) Handbook as being appropriate for those engaged in the
delivery of retail investment advice, has completed a programme of
Continuing Professional Development that meets the
required standards and has complied with the FCA's
Statements of Principle for Approved Persons (APER)
People must be approved by the FCA before giving financial advice. You can check if this person is approved by the FCA
to give advice by going to www.fsa.gov.uk/register/indivSearchForm.do and searching with their FCA individual reference number given
above.
This SPS remains the property of the Institute of Financial Services and can be recalled at any time.