ART45 VAG – S and L Management and Consulting LLC

Information in accordance with Art. 45 VAG on the performance of services as an insurance broker

S&L MANAGEMENT UND CONSULTING GMBH (nachfolgend «SLMC») ist ein ungebundenes Versicherungsvermittlerunternehmen für die Versicherungszweige Lebens- und Sachversicherung, gemäss Art. 40 Abs. 2 VAG. Zu Beginn der Zusammenarbeit mit dem Kunden wird für die Betreuung seiner Versicherungen eine Kundenberaterin oder ein Kundenberater ernannt, welche/r diesem als direkte Ansprechperson zur Verfügung steht. SLMC sowie deren Kundenberaterinnen und Kundenberater verfügen über die notwendigen Registrierungen zur Ausübung der Brokerdienstleistungen im Sinne der Schweizer Versicherungsaufsichtsgesetzgebung (FINMA Vermittlerregister Nr. F01470698).

2 INFORMATION ABOUT THE SERVICES

The customer commissions SLMC in the sense of a business relationship based on mutual trust through a separate broker agreement with the ongoing support of its insurance companies. The ones hereafter The information listed forms an integral part of a broker agreement, which only may be modified or supplemented by a document signed by both contracting parties. SLMC is commissioned to negotiate with insurers on behalf of the customer, obtain offers and, after approval by the customer, to place and manage the insurance policies. SLMC advises and assists the customer in all insurance matters that form part of the broker agreement; d. h. especially in risk and insurance analysis, when formulating a risk and Insurance policy, in concepts for risk financing solutions, in determining the Insurance requirements, placement and ongoing support of insurance companies and Support and assistance in the event of a claim with insurers. The information from Customer advisors and specialists from SLMC are based on many years of experience as an insurance broker. You have legal or Tax advice from e.g. E.g. lawyers, banks, tax experts or any other Authorities cannot be replaced in specific individual cases.

3 COMPENSATION INFORMATION

For the provision of the services in accordance with Section 2, SLMC will be charged a standard brokerage fee, which is paid by the insurer. The brokerage fee is calculated as a percentage of the Customers paid insurance premium. The brokerage fee is included in the premiums offered by insurers contain. Before the broker agreement begins, SLMC informs the customer about the Calculation bases and ranges or the estimated amount of the expected brokerage fees the available information about the customer’s insurance portfolio. The customer agrees After signing a broker agreement, you agree to the release of the brokerage fee waive, and confirms that he has been expressly informed about the compensation by SLMC. SLMC upon request, discloses the amounts actually received. SLMC expressly waives any volume, Growth- or damage-dependent additional compensation from third parties. Other forms of compensation are to be agreed separately in writing between the contracting parties. For further additional services, which are provided at the customer’s request, SLMC will make a separate agreement with the customer in advance Agree on a fee.

4 INFORMATION ON COOPERATION WITH INSURERS

SLMC has cooperation agreements with all major licensed companies in Switzerland Insurers, but is neither legal nor legal within the meaning of Swiss insurance supervision legislation economically tied to an insurance company in another way. SLMC looks after the Insurance contracts of the customer in agreement with the responsible insurers. SLMC provides in In this sense, also services that reduce the workload for insurers. SLMC stands however, expressly in a relationship of loyalty to the customer and only represents their interests. The The responsible insurer takes care of risk identification as well as claims handling and settlement usually in agreement with SLMC; At the request of the customer, SLMC supports and accompanies the customer Customers in claims handling and settlement. The premium is usually collected directly through the insurer.

5 INFORMATION ON PRIVACY, DATA SECURITY AND CONFIDENTIALITY

SLMC guarantees that its employees use the data entrusted to them in accordance with the principles of Swiss law on data protection. Where for the correct fulfillment of the If data transfer abroad is necessary for broker services, the customer agrees Transferring your data abroad in compliance with data protection by SLMC. The customer SLMC agrees to the processing of the data by means of services offered by insurers or third parties Applications that serve to simplify the administrative support of the policies. All in The customer’s data obtained as part of the contract management as well as information regarding it Business activities are treated confidentially and solely for the purpose of carrying out the business Broker agreement edited. Carriers of this data are kept under lock and key at SLMC only accessible to SLMC employees. In relation to uninvolved third parties, this is unrestricted Strict confidentiality is maintained beyond the existence of the contractual relationship. SLMC reserves the right To pass on data to the service providers used, insofar as this is necessary to fulfill the broker services or is necessary to troubleshoot and improve applications operated by SLMC. This applies in particular to the forwarding of data to insurers or third-party providers Tendering or renewal of policies as well as in connection with claims. The each SLMC’s current data protection declaration is available at www.slmc.ch and forms an integrating Part of a broker agreement.

6 INFORMATION ON TRAINING AND FURTHER TRAINING OF EMPLOYEES

The registered customer advisors and specialists from SLMC have the legally required training and complete the mandatory ones Further training in accordance with Art. 43 VAG. Monitor the industry organizations recognized by FINMA compliance with the legal minimum standards. Inquiries about training or further education for individuals registered customer advisors and specialists can be addressed to the following office: S&L Management and Consulting GmbH, management, Feldstrasse 23, 8853 Lachen.

7 LIABILITY INFORMATION

SLMC provides the services with due care and attention. For one, possibly through negligence, SLMC is liable to the customer for any damage resulting from errors or incorrect information as follows Principles: SLMC and its bodies and employees are only liable for intentional or grossly negligent acts breaches of contract and only for any causal damages, costs and expenses that are direct and directly to the customer from such an intentional or grossly negligent breach of contract. Any liability for such damage, including all costs and expenses, is limited to: Limited to twice the annual compensation for SLMC under a brokerage agreement, in all cases however, a maximum of CHF 2,000,000. In no event shall SLMC be liable for any claims arising from intentional, grossly negligent or incorrect behavior by the customer, his employees or for claims for Damages due to incomplete, incorrect or misleading documents, documents or Information from the customer or third parties. S&L Management and Consulting GmbH, Feldstrasse 23, As a contractual partner, 8853 Lachen is the contact point within the meaning of Art. 45 Para. 1 lit. dVAG.