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network

    a firm:12

      1. (a) which has five or more appointed representatives (not counting introducer appointed representatives)16; or
      1. (b) whose appointed representatives, not counting introducer appointed representatives16 (and 16being fewer than five) have, between them, 26 or more representatives;12

    but not:12

      1. (i) a product provider; or 12
      1. (ii) a firm which markets the packaged products of a product provider which is in the same group as the firm and which does so other than by selecting products from the whole market; or12
      1. (iii) an insurer in relation to a non-investment insurance contract; or 12
      1. (iv) a mortgage lender.212