Matt Drage discusses agreements relating to representatives appointed prior to the publication of a thematic review by the ACF. What can lead companies and potential ROs do to ensure their agreements work for customers? Both parties can reduce the risk of problems within their agreements by: it may be that your existing ARS need to get used to a slightly more “intrusive” method of continuous monitoring or be faced with more detailed questions when setting up agreements. It should be recognised that this is in the direct interest of protecting both businesses and consumers. Companies will keep an ear on the ground to ensure that their behaviour does not expose them to potential FCA measures, following a recent Section 166 review in this area. Do not only accept the terms of the AR agreement – carefully check all the clauses concerning: in addition, if at any time or for any reason the total amount of the obligations that the borrower owes to the bank under this agreement, the EXIM agreement and the A/R sales contract exceeds twenty million dollars ($20,000,000.00), the borrower must immediately pay the amount of this excess in cash to the bank. . . .