information about the breadth of advice, scope of advice or scope of basic advice and the nature and costs of the services offered by a firm in relation to either:

(a) two or more of the following:
1. (i) packaged products or, for basic advice, stakeholder products that are not a group personal pension scheme or a group stakeholder pension scheme (but only if a consultancy charge will be made);
1. (ii) non-investment insurance contracts;
1. (iii) home finance transactions (other than regulated sale and rent back agreement); or

(b) home finance transactions (other than regulated sale and rent back agreements) only;

which contains the Key facts logo, headings and text in the order shown in, and in accordance with the notes in, COBS 6 Annex 2.

combined initial disclosure document