INFORMATION FOR CUSTOMERS

BROKER

The company is regulated by Finansinspektionen Sweden’s financial supervisory authority whose role is to promote stability and efficiency in the financial system as well as to ensure effective consumer protection.

Address: Box 7821, 103 97 Stockholm, Sweden

Phone: +46 8-408 980 00

E-mail: finansinspektionen@fi.se

The company is registered at Bolagsverket which registers companies and associations (including insurance brokers) in Sweden.

Address: 851 81 Sundsvall, Sweden

Phone: +46 771-670 670

E-mail: bolagsverket@bolagsverket.se

AUTHORIZATION

The company is an independent authorized insurance broker as per below.

*   Insurance in all life insurance categories

Johan Onsberg AB [the Company] is a life insurance broker. The advice we provide is always based on the customer’s unique situation, needs and wishes. As an insurance adviser, we are not linked with any particular insurance company: i.e. we are not contractually (or otherwise) bound to provide policies from either a single or a specific group of insurance companies.

We broker insurance policies for a number of insurance companies.

Our advice is based on what these companies offer as well as on the products. This enables us to offer the optimal solution that will fulfill your needs and wishes. Our goal is to give our customers top quality advice and the best in personal service.

INSURANCE BROKER

Johan Onsberg is employed by the Company to sell life insurance.
Phone: +46 708-50 07 61
E-mail: johan@johanonsberg.se

LIABILITY INSURANCE

The Company is covered by a liability insurance for insurance distribution according to the applicable regulations.

If you suffer damages or financial loss and you believe it to be a result of the actions of the Company or its brokers, you have a right to make a claim against the insurance company directly. If you want to make a claim for damages, the Company must be informed within reasonable time after the alleged damages have been incurred.

CONFLICTS OF INTEREST

If there are any conflicts of interest, the adviser shall always ensure that the customer’s interest comes first. To do this we conduct a suitability assessment as well as analyze the product. We also clearly explain the conditions to you as a customer when the advice is given.

Holdings
The Company has no holdings in the insurance companies for which it acts in terms of insurance and none of the insurance companies has a holding in the Company.

Complaints
Any complaints with regard to Johan Onsberg AB and its employees should be made to Johan Onsberg AB.

CHARGES

The Company receives some remuneration from the insurance providers we work with. It is often an annual sum which is a percentage of the insurance premiums. The sum is intended to cover advice given, follow-up, annual administration and services to you as a customer. It is also intended to cover our administrative costs, insurance and costs for compliance. If we do not receive any remuneration, the Company will invoice customers for the administration of the insurance. In accordance with current regulations, we, as insurance brokers, are obliged to inform our customers about the different fees we receive from the various partners we work with. During the advice process, or when the insurance is being signed, we will inform the customer regarding the reimbursement or the cost of the broking.

Yours sincerely
Johan Onsberg