Personal

Name as on Passport

Personal - joint Applicant

Name as on Passport

Next
Contact Detail

Contact Details - joint Applicant

Next
Bank Detail

Bank Details - joint Applicant

Employment Details

Employment Details - joint Applicant

Next
Source of Funds
  • Savings & Investments (capital gains, etc.)

The vast sum of my investment was obtained from the sale of property, along with savings acquired from my time working in investment banking.

Client Classification

client_classification_v2

Financial Details

Income

Residence

Financial Standing - joint Applicant

Income

Residence

Next
Investments

Please provide approximate valuations

Investments - joint Applicant

Please provide approximate valuations

Investment Background

Good

Yes

No

Worked in the investment banking sector for 20 years.

How many times do you invest in the following products?

Never

Never

Never

Never

Never

Never

Never

Never

Never

Never

Never

Investment Objectives

Balanced

Attitude to Risk

Medium Risk

More concerned about limiting losses, than achieving returns
Equally concerned about limiting my losses, as I am about achieving returns
More concerned about achieving returns, than limiting losses
US Citizen

No

Joint Applicant

A US Citizen is defined by the IRS as an individual born in the United States, Puerto Rico, Guam or the US Virgin Islands, an individual whose parent is a US Citizen or a former alien who has been naturalised as a US Citizen. For further information please visit: https://www.irs.gov/individuals/international-taxpayers/foreign-persons

Next
Tax Residence
Risk Warnings

Politically exposed persons are individuals who are or have been, at any time in the preceding year, entrusted with prominent public functions in the UK or a foreign country, e.g. Heads of States of Governments, senior politicians, senior government / judicial / military officers, senior executives of state-owned corporations, important political party officials, etc. In addition, a “Politically Exposed Person” includes the immediate family members of a Politically Exposed Person such as spouses, children, parents and other relatives. Politically Exposed Persons includes even close associates like advisors, secretaries and other associates of a Politically Exposed Person.

Our Services
Investment Horizon

Do you wish to apply a limit to the maximum number of Discretionary Only trades on a monthly basis?

Your Responsibilities

Your responsibility to say No (Applicable to Advisory clients only)

It is your trading account, and you are in control. If you are unsure of any advice provided by your investment advisor, then you must NOT proceed with the transaction. If you do accept and agree to any recommendations made, then you automatically accept the risks of that trade. It is imperative that you are happy with the investments being recommended to you, including their level of risk, the transaction size and the frequency with which trades are being conducted on your account. If you decide that you are unhappy with any of the above or your personal circumstances change, please notify your investment advisor immediately at info@lax-capital.com and ask to speak to the compliance officer.

Suitability (Applicable to Advisory clients only)

Whilst we will always endeavour to ensure that the recommendations made to you are suitable, our advice is only as good as the information that you have provided to us. To ensure the correct level of advice, it is important that you always notify us if either your RISK APPETITE, INVESTMENT OBJECTIVES OR FINANCIAL CIRCUMSTANCES change. It is also important to notify us if your HEALTH deteriorates. If you are unsure, you should seek professional financial or medical advice before proceeding.

Your responsibility to check your trades (Applicable to ALL clients)

For all trades executed you will receive a contract note. You can also view the details of all your transactions via the online dashboard of your trading account. It is your responsibility to ensure that these details are correct. If you do identify an error, then you must notify your investment advisor immediately

Valuations and online access (Applicable to ALL clients)

We would advise that you check your account via your online trading account regularly and at least once a day following any trading activity to review trades executed, valuation of open positions, margin usage and general portfolio composition. It is your responsibility to monitor and address any issues that you might find. On request, we will be able to send you an up to date account valuation or statement of your account.

Selling shares (Applicable to ALL clients)

Professional Clients

Professional Client will only be categorised as such once Lax Capital has undertaken an adequate assessment of your expertise, experience and knowledge.

If you wish to be classified as a professional client, we are obliged to inform you that, as a consequence of this classification, you may lose protections afforded to retail clients under the rules of the Financial Conduct Authority. You will be provided with a separate notice detailing the protections that you may not be entitled to, and you will be required to sign and return an acknowledgement of this notice to confirm your acceptance of your classification as a professional client.

Typing your Name is equivalent to your handwritten signature).

By typing my signature and sending it via the Internet, I acknowledge that I have read and understood all information provided during the application process; that I intend Lax Capital to rely upon it; that I intend to be bound thereby; and that I understand and agree that my electronic signature is the equivalent of a manual written signature.

Should you wish to become a professional-client in respect of any specific products or services, please notify your Lax Capital adviser as soon as possible.

Please Note: This account application form and our terms of Business set out the basis of your relationship with Lax Capital. We intend to rely on these documents and for your own benefit and protection, you should read the terms of Business, including, but not limited to the risk warnings and disclosures, the order execution policy, potential conflicts of interest, data protection and disclosure of information and the commission and charges carefully before signing this form. if you do not understand any information in this form, please ask Lax Capital advisers for further details

Declarations

By typing my signature and sending it via the Internet, I acknowledge that I have read and understood all information provided during the application process; that I intend Lax Capital to rely upon it; that I intend to be bound thereby; and that I understand and agree that my electronic signature is the equivalent of a manual written signature.

Wherever possible, we will use electronic verification methods to verify your identity. If this is not possible, you will need to provide ONE document as proof of identification, e.g. passport, photo-ID driving license and National ID cardand ONE document as a proof of address, e.g. bank statement, council tax bill or utility bill (not mobile phone or credit card statement) which is less than three months old.

If you are a Non-EU/EEA Resident, we will require documentary proof of your identity and address as described above. Both documents must be certified by a regulated or professional person such as a notary, lawyer, banker, financial intermediary or an accountant. The full Name, address, occupation, date and signature of the person who is certifying must be evident – if possible; an official stamp should be used.

Risk Disclaimer: The value of shares can fall as well as rise; you may not necessarily get back the amount you invested. Past performance is no guarantee of future performance. Trading in derivatives such as Contracts for Difference (CFDs) may not be suitable for all types of investor as they carry a high degree of risk. You may lose all your initial investment, and, in some cases, you may be liable for a greater sum than this. Extended runs of losses as well as profits can occur. Only speculate with money you can afford to lose. Changes in exchange rates may also cause your investment to go up or down in value. Tax laws are subject to change and depend on individual circumstances. Please ensure that you fully understand the risks involved. If in any doubt, please seek independent financial advice.

Additional Information

Personal

Name as on Passport

Personal - joint Applicant

Name as on Passport

Next
Contact Detail

Contact Details - joint Applicant

Next
Bank Detail

Bank Details - joint Applicant

Employment Details

Employment Details - joint Applicant

Next
Source of Funds
  • Employment (current or previous details)

Built up over time

Client Classification

None of the above

Financial Details

Income

Residence

Financial Standing - joint Applicant

Income

Residence

Next
Investments

Please provide approximate valuations

Investments - joint Applicant

Please provide approximate valuations

Investment Background

Limited

No

No

How many times do you invest in the following products?

Never

Never

Never

Less than 5 per year

Never

Never

Less than 5 per year

Never

Never

Less than 5 per year

Never

Investment Objectives

Balanced

Attitude to Risk

Medium Risk

More concerned about limiting losses, than achieving returns
Equally concerned about limiting my losses, as I am about achieving returns
More concerned about achieving returns, than limiting losses
US Citizen

No

Joint Applicant

A US Citizen is defined by the IRS as an individual born in the United States, Puerto Rico, Guam or the US Virgin Islands, an individual whose parent is a US Citizen or a former alien who has been naturalised as a US Citizen. For further information please visit: https://www.irs.gov/individuals/international-taxpayers/foreign-persons

Next
Tax Residence
Risk Warnings

Politically exposed persons are individuals who are or have been, at any time in the preceding year, entrusted with prominent public functions in the UK or a foreign country, e.g. Heads of States of Governments, senior politicians, senior government / judicial / military officers, senior executives of state-owned corporations, important political party officials, etc. In addition, a “Politically Exposed Person” includes the immediate family members of a Politically Exposed Person such as spouses, children, parents and other relatives. Politically Exposed Persons includes even close associates like advisors, secretaries and other associates of a Politically Exposed Person.

Our Services
Investment Horizon

Do you wish to apply a limit to the maximum number of Discretionary Only trades on a monthly basis?

Your Responsibilities

Your responsibility to say No (Applicable to Advisory clients only)

It is your trading account, and you are in control. If you are unsure of any advice provided by your investment advisor, then you must NOT proceed with the transaction. If you do accept and agree to any recommendations made, then you automatically accept the risks of that trade. It is imperative that you are happy with the investments being recommended to you, including their level of risk, the transaction size and the frequency with which trades are being conducted on your account. If you decide that you are unhappy with any of the above or your personal circumstances change, please notify your investment advisor immediately at info@lax-capital.com and ask to speak to the compliance officer.

Suitability (Applicable to Advisory clients only)

Whilst we will always endeavour to ensure that the recommendations made to you are suitable, our advice is only as good as the information that you have provided to us. To ensure the correct level of advice, it is important that you always notify us if either your RISK APPETITE, INVESTMENT OBJECTIVES OR FINANCIAL CIRCUMSTANCES change. It is also important to notify us if your HEALTH deteriorates. If you are unsure, you should seek professional financial or medical advice before proceeding.

Your responsibility to check your trades (Applicable to ALL clients)

For all trades executed you will receive a contract note. You can also view the details of all your transactions via the online dashboard of your trading account. It is your responsibility to ensure that these details are correct. If you do identify an error, then you must notify your investment advisor immediately

Valuations and online access (Applicable to ALL clients)

We would advise that you check your account via your online trading account regularly and at least once a day following any trading activity to review trades executed, valuation of open positions, margin usage and general portfolio composition. It is your responsibility to monitor and address any issues that you might find. On request, we will be able to send you an up to date account valuation or statement of your account.

Selling shares (Applicable to ALL clients)

Professional Clients

Professional Client will only be categorised as such once Lax Capital has undertaken an adequate assessment of your expertise, experience and knowledge.

If you wish to be classified as a professional client, we are obliged to inform you that, as a consequence of this classification, you may lose protections afforded to retail clients under the rules of the Financial Conduct Authority. You will be provided with a separate notice detailing the protections that you may not be entitled to, and you will be required to sign and return an acknowledgement of this notice to confirm your acceptance of your classification as a professional client.

Typing your Name is equivalent to your handwritten signature).

By typing my signature and sending it via the Internet, I acknowledge that I have read and understood all information provided during the application process; that I intend Lax Capital to rely upon it; that I intend to be bound thereby; and that I understand and agree that my electronic signature is the equivalent of a manual written signature.

Should you wish to become a professional-client in respect of any specific products or services, please notify your Lax Capital adviser as soon as possible.

Please Note: This account application form and our terms of Business set out the basis of your relationship with Lax Capital. We intend to rely on these documents and for your own benefit and protection, you should read the terms of Business, including, but not limited to the risk warnings and disclosures, the order execution policy, potential conflicts of interest, data protection and disclosure of information and the commission and charges carefully before signing this form. if you do not understand any information in this form, please ask Lax Capital advisers for further details

Declarations

By typing my signature and sending it via the Internet, I acknowledge that I have read and understood all information provided during the application process; that I intend Lax Capital to rely upon it; that I intend to be bound thereby; and that I understand and agree that my electronic signature is the equivalent of a manual written signature.

Wherever possible, we will use electronic verification methods to verify your identity. If this is not possible, you will need to provide ONE document as proof of identification, e.g. passport, photo-ID driving license and National ID cardand ONE document as a proof of address, e.g. bank statement, council tax bill or utility bill (not mobile phone or credit card statement) which is less than three months old.

If you are a Non-EU/EEA Resident, we will require documentary proof of your identity and address as described above. Both documents must be certified by a regulated or professional person such as a notary, lawyer, banker, financial intermediary or an accountant. The full Name, address, occupation, date and signature of the person who is certifying must be evident – if possible; an official stamp should be used.

Risk Disclaimer: The value of shares can fall as well as rise; you may not necessarily get back the amount you invested. Past performance is no guarantee of future performance. Trading in derivatives such as Contracts for Difference (CFDs) may not be suitable for all types of investor as they carry a high degree of risk. You may lose all your initial investment, and, in some cases, you may be liable for a greater sum than this. Extended runs of losses as well as profits can occur. Only speculate with money you can afford to lose. Changes in exchange rates may also cause your investment to go up or down in value. Tax laws are subject to change and depend on individual circumstances. Please ensure that you fully understand the risks involved. If in any doubt, please seek independent financial advice.

Additional Information

Personal

Name as on Passport

Personal - joint Applicant

Name as on Passport

Next
Contact Detail

Contact Details - joint Applicant

Next
Bank Detail

Bank Details - joint Applicant

Employment Details

Employment Details - joint Applicant

Next
Source of Funds
  • Employment (current or previous details)
  • Savings & Investments (capital gains, etc.)

NA

Client Classification

Certified High Net Worth Individuals

Financial Details

Income

Residence

Financial Standing - joint Applicant

Income

Residence

Next
Investments

Please provide approximate valuations

Investments - joint Applicant

Please provide approximate valuations

Investment Background

Good

No

No

How many times do you invest in the following products?

Less than 5 per year

Never

Less than 5 per year

Less than 5 per year

Never

Never

Never

Never

Never

Never

Less than 5 per year

Investment Objectives

Balanced

Attitude to Risk

Medium Risk

More concerned about limiting losses, than achieving returns
Equally concerned about limiting my losses, as I am about achieving returns
More concerned about achieving returns, than limiting losses
US Citizen

No

Joint Applicant

A US Citizen is defined by the IRS as an individual born in the United States, Puerto Rico, Guam or the US Virgin Islands, an individual whose parent is a US Citizen or a former alien who has been naturalised as a US Citizen. For further information please visit: https://www.irs.gov/individuals/international-taxpayers/foreign-persons

Next
Tax Residence
Risk Warnings

Politically exposed persons are individuals who are or have been, at any time in the preceding year, entrusted with prominent public functions in the UK or a foreign country, e.g. Heads of States of Governments, senior politicians, senior government / judicial / military officers, senior executives of state-owned corporations, important political party officials, etc. In addition, a “Politically Exposed Person” includes the immediate family members of a Politically Exposed Person such as spouses, children, parents and other relatives. Politically Exposed Persons includes even close associates like advisors, secretaries and other associates of a Politically Exposed Person.

Our Services
Investment Horizon

Do you wish to apply a limit to the maximum number of Discretionary Only trades on a monthly basis?

Your Responsibilities

Your responsibility to say No (Applicable to Advisory clients only)

It is your trading account, and you are in control. If you are unsure of any advice provided by your investment advisor, then you must NOT proceed with the transaction. If you do accept and agree to any recommendations made, then you automatically accept the risks of that trade. It is imperative that you are happy with the investments being recommended to you, including their level of risk, the transaction size and the frequency with which trades are being conducted on your account. If you decide that you are unhappy with any of the above or your personal circumstances change, please notify your investment advisor immediately at info@lax-capital.com and ask to speak to the compliance officer.

Suitability (Applicable to Advisory clients only)

Whilst we will always endeavour to ensure that the recommendations made to you are suitable, our advice is only as good as the information that you have provided to us. To ensure the correct level of advice, it is important that you always notify us if either your RISK APPETITE, INVESTMENT OBJECTIVES OR FINANCIAL CIRCUMSTANCES change. It is also important to notify us if your HEALTH deteriorates. If you are unsure, you should seek professional financial or medical advice before proceeding.

Your responsibility to check your trades (Applicable to ALL clients)

For all trades executed you will receive a contract note. You can also view the details of all your transactions via the online dashboard of your trading account. It is your responsibility to ensure that these details are correct. If you do identify an error, then you must notify your investment advisor immediately

Valuations and online access (Applicable to ALL clients)

We would advise that you check your account via your online trading account regularly and at least once a day following any trading activity to review trades executed, valuation of open positions, margin usage and general portfolio composition. It is your responsibility to monitor and address any issues that you might find. On request, we will be able to send you an up to date account valuation or statement of your account.

Selling shares (Applicable to ALL clients)

Professional Clients

Professional Client will only be categorised as such once Lax Capital has undertaken an adequate assessment of your expertise, experience and knowledge.

If you wish to be classified as a professional client, we are obliged to inform you that, as a consequence of this classification, you may lose protections afforded to retail clients under the rules of the Financial Conduct Authority. You will be provided with a separate notice detailing the protections that you may not be entitled to, and you will be required to sign and return an acknowledgement of this notice to confirm your acceptance of your classification as a professional client.

Typing your Name is equivalent to your handwritten signature).

By typing my signature and sending it via the Internet, I acknowledge that I have read and understood all information provided during the application process; that I intend Lax Capital to rely upon it; that I intend to be bound thereby; and that I understand and agree that my electronic signature is the equivalent of a manual written signature.

Should you wish to become a professional-client in respect of any specific products or services, please notify your Lax Capital adviser as soon as possible.

Please Note: This account application form and our terms of Business set out the basis of your relationship with Lax Capital. We intend to rely on these documents and for your own benefit and protection, you should read the terms of Business, including, but not limited to the risk warnings and disclosures, the order execution policy, potential conflicts of interest, data protection and disclosure of information and the commission and charges carefully before signing this form. if you do not understand any information in this form, please ask Lax Capital advisers for further details

Declarations

By typing my signature and sending it via the Internet, I acknowledge that I have read and understood all information provided during the application process; that I intend Lax Capital to rely upon it; that I intend to be bound thereby; and that I understand and agree that my electronic signature is the equivalent of a manual written signature.

Wherever possible, we will use electronic verification methods to verify your identity. If this is not possible, you will need to provide ONE document as proof of identification, e.g. passport, photo-ID driving license and National ID cardand ONE document as a proof of address, e.g. bank statement, council tax bill or utility bill (not mobile phone or credit card statement) which is less than three months old.

If you are a Non-EU/EEA Resident, we will require documentary proof of your identity and address as described above. Both documents must be certified by a regulated or professional person such as a notary, lawyer, banker, financial intermediary or an accountant. The full Name, address, occupation, date and signature of the person who is certifying must be evident – if possible; an official stamp should be used.

Risk Disclaimer: The value of shares can fall as well as rise; you may not necessarily get back the amount you invested. Past performance is no guarantee of future performance. Trading in derivatives such as Contracts for Difference (CFDs) may not be suitable for all types of investor as they carry a high degree of risk. You may lose all your initial investment, and, in some cases, you may be liable for a greater sum than this. Extended runs of losses as well as profits can occur. Only speculate with money you can afford to lose. Changes in exchange rates may also cause your investment to go up or down in value. Tax laws are subject to change and depend on individual circumstances. Please ensure that you fully understand the risks involved. If in any doubt, please seek independent financial advice.

Additional Information

Personal

Name as on Passport

Personal - joint Applicant

Name as on Passport

Next
Contact Detail

Contact Details - joint Applicant

Next
Bank Detail

Bank Details - joint Applicant

Employment Details

Employment Details - joint Applicant

Next
Source of Funds
  • Employment (current or previous details)
  • Savings & Investments (capital gains, etc.)

BAe Systems Isa’s

Client Classification

client_classification_v1

Financial Details

Income

Residence

Financial Standing - joint Applicant

Income

Residence

Next
Investments

Please provide approximate valuations

Investments - joint Applicant

Please provide approximate valuations

Investment Background

Good

No

No

How many times do you invest in the following products?

Less than 5 per year

Less than 5 per year

Less than 5 per year

Never

Never

Less than 5 per year

Never

Never

Never

Never

Never

Investment Objectives

Growth

Attitude to Risk

Medium Risk

More concerned about limiting losses, than achieving returns
Equally concerned about limiting my losses, as I am about achieving returns
More concerned about achieving returns, than limiting losses
US Citizen

No

Joint Applicant

A US Citizen is defined by the IRS as an individual born in the United States, Puerto Rico, Guam or the US Virgin Islands, an individual whose parent is a US Citizen or a former alien who has been naturalised as a US Citizen. For further information please visit: https://www.irs.gov/individuals/international-taxpayers/foreign-persons

Next
Tax Residence
Risk Warnings

Politically exposed persons are individuals who are or have been, at any time in the preceding year, entrusted with prominent public functions in the UK or a foreign country, e.g. Heads of States of Governments, senior politicians, senior government / judicial / military officers, senior executives of state-owned corporations, important political party officials, etc. In addition, a “Politically Exposed Person” includes the immediate family members of a Politically Exposed Person such as spouses, children, parents and other relatives. Politically Exposed Persons includes even close associates like advisors, secretaries and other associates of a Politically Exposed Person.

Our Services
Investment Horizon

Do you wish to apply a limit to the maximum number of Discretionary Only trades on a monthly basis?

Your Responsibilities

Your responsibility to say No (Applicable to Advisory clients only)

It is your trading account, and you are in control. If you are unsure of any advice provided by your investment advisor, then you must NOT proceed with the transaction. If you do accept and agree to any recommendations made, then you automatically accept the risks of that trade. It is imperative that you are happy with the investments being recommended to you, including their level of risk, the transaction size and the frequency with which trades are being conducted on your account. If you decide that you are unhappy with any of the above or your personal circumstances change, please notify your investment advisor immediately at info@lax-capital.com and ask to speak to the compliance officer.

Suitability (Applicable to Advisory clients only)

Whilst we will always endeavour to ensure that the recommendations made to you are suitable, our advice is only as good as the information that you have provided to us. To ensure the correct level of advice, it is important that you always notify us if either your RISK APPETITE, INVESTMENT OBJECTIVES OR FINANCIAL CIRCUMSTANCES change. It is also important to notify us if your HEALTH deteriorates. If you are unsure, you should seek professional financial or medical advice before proceeding.

Your responsibility to check your trades (Applicable to ALL clients)

For all trades executed you will receive a contract note. You can also view the details of all your transactions via the online dashboard of your trading account. It is your responsibility to ensure that these details are correct. If you do identify an error, then you must notify your investment advisor immediately

Valuations and online access (Applicable to ALL clients)

We would advise that you check your account via your online trading account regularly and at least once a day following any trading activity to review trades executed, valuation of open positions, margin usage and general portfolio composition. It is your responsibility to monitor and address any issues that you might find. On request, we will be able to send you an up to date account valuation or statement of your account.

Selling shares (Applicable to ALL clients)

Professional Clients

Professional Client will only be categorised as such once Lax Capital has undertaken an adequate assessment of your expertise, experience and knowledge.

If you wish to be classified as a professional client, we are obliged to inform you that, as a consequence of this classification, you may lose protections afforded to retail clients under the rules of the Financial Conduct Authority. You will be provided with a separate notice detailing the protections that you may not be entitled to, and you will be required to sign and return an acknowledgement of this notice to confirm your acceptance of your classification as a professional client.

Typing your Name is equivalent to your handwritten signature).

By typing my signature and sending it via the Internet, I acknowledge that I have read and understood all information provided during the application process; that I intend Lax Capital to rely upon it; that I intend to be bound thereby; and that I understand and agree that my electronic signature is the equivalent of a manual written signature.

Should you wish to become a professional-client in respect of any specific products or services, please notify your Lax Capital adviser as soon as possible.

Please Note: This account application form and our terms of Business set out the basis of your relationship with Lax Capital. We intend to rely on these documents and for your own benefit and protection, you should read the terms of Business, including, but not limited to the risk warnings and disclosures, the order execution policy, potential conflicts of interest, data protection and disclosure of information and the commission and charges carefully before signing this form. if you do not understand any information in this form, please ask Lax Capital advisers for further details

Declarations

By typing my signature and sending it via the Internet, I acknowledge that I have read and understood all information provided during the application process; that I intend Lax Capital to rely upon it; that I intend to be bound thereby; and that I understand and agree that my electronic signature is the equivalent of a manual written signature.

Wherever possible, we will use electronic verification methods to verify your identity. If this is not possible, you will need to provide ONE document as proof of identification, e.g. passport, photo-ID driving license and National ID cardand ONE document as a proof of address, e.g. bank statement, council tax bill or utility bill (not mobile phone or credit card statement) which is less than three months old.

If you are a Non-EU/EEA Resident, we will require documentary proof of your identity and address as described above. Both documents must be certified by a regulated or professional person such as a notary, lawyer, banker, financial intermediary or an accountant. The full Name, address, occupation, date and signature of the person who is certifying must be evident – if possible; an official stamp should be used.

Risk Disclaimer: The value of shares can fall as well as rise; you may not necessarily get back the amount you invested. Past performance is no guarantee of future performance. Trading in derivatives such as Contracts for Difference (CFDs) may not be suitable for all types of investor as they carry a high degree of risk. You may lose all your initial investment, and, in some cases, you may be liable for a greater sum than this. Extended runs of losses as well as profits can occur. Only speculate with money you can afford to lose. Changes in exchange rates may also cause your investment to go up or down in value. Tax laws are subject to change and depend on individual circumstances. Please ensure that you fully understand the risks involved. If in any doubt, please seek independent financial advice.

Additional Information