Legal notice

Mesterheide Rockel Hirz Trowe AG Holding is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34 d paragraph 1 of the Trade, Commerce and Industry Regulation Act and register number D-B98C-44E0Z-94. The responsible supervisory authority is the Chamber of Commerce and Industry (IHK) Frankfurt am Main, Börsenplatz 4, 60313 Frankfurt am Main, Internet: frankfurt-main.ihk.de

The entry in the Intermediary Register can be checked at:

German Chambers of Commerce and Industry (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.:  +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59–68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

MRH Trowe Insurance Brokers GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34 d paragraph 1 of the Trade, Commerce and Industry Regulation Act and register number D-WTGJ-3QB5O-90. The responsible supervisory authority is the International Chamber of Commerce and Industry (IHK) Limburg, Walderdorffstr. 7, 65549 Limburg, Internet: http://www.ihk-limburg.de

The entry in the Intermediary Register can be checked at:

German Chambers of Commerce and Industry (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.:  +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

MRH Trowe Benefits & Pensions GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34 d paragraph 1 of the Trade, Commerce and Industry Regulation Act and register number D-58SO-LQABB-19 The responsible supervisory authority is the International Chamber of Commerce and Industry (IHK) Limburg, Walderdorffstr. 7, 65549 Limburg, Internet: http://www.ihk-limburg.de

The entry in the Intermediary Register can be checked at:

German Chambers of Commerce and Industry (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.:  +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

Information on Article 3 of the Transparency Ordinance (Transparency in strategies for dealing with sustainability risks)

When selecting insurance companies and insurance products we take into account the information provided by the insurers.
We do not offer insurers who have no discernible strategy for the inclusion of sustainability risks in their investment decisions. Within the framework of individual consultation that takes place in the interest of the client we point out whether consideration of the sustainability risks in the investment decision involves discernible advantages or disadvantages for the particular client. The preliminary information of the respective insurer includes information about the consideration of sustainability risks in investment decisions. In case of questions the client should feel free to contact us before concluding the policy.

Information about Article 4 Para. 5 of the Transparency Ordinance (Detrimental sustainability effects at the enterprise level)

In the framework of consultation the most important unfavorable effects of investment decisions on sustainability factors of the financial market participant (insurer) are taken into account only to a limited extent. Consideration of these factors is based on the information provided by the insurance companies. The agent is not responsible for the correctness of this information. Due to the currently limited information from the insurers these aspects currently are not considered in the consultation on a standard basis. At the special request of the client they can be taken into account on the basis of the currently available information. They will be considered on a standard basis in the event of a more extensive market offering in the future.

Information about Article 5 Para. 5 of the Transparency Ordinance (Transparency of remuneration policy in connection with the consideration of sustainability risks)

Remuneration for the negotiation of insurance policies is not based on the sustainability risks that are associated with the investments. This means in particular that the amount of remuneration for the product is not affected positively or negatively by the sustainability risks of the investment.

Information about Article 6 Para. 2 of the Transparency Ordinance (Transparency in the consideration of sustainability risks)

In our consultation concerning insurance-based investment products, private pension contracts and retirement plans we do not consider sustainability risks to be relevant, since they have already been taken into account by the insurer and are described in his preliminary information. Individual consideration by the agent (as a financial consultant in accordance with the Transparency Ordinance) is therefore not generally given (but is possible at the request of the client).

MRH Trowe Credit & Finance GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34 d paragraph 1 of the Trade, Commerce and Industry Regulation Act and register number D-NVW7-O2GGX-27. The responsible supervisory authority is the Chamber of Commerce and Industry (IHK) Frankfurt am Main, Börsenplatz 4, 60313 Frankfurt am Main, Internet: frankfurt-main.ihk.de

The entry in the Intermediary Register can be checked at:

German Chambers of Commerce and Industry (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

MRH Trowe Credit & Finance GmbH is a registered loan broker with a licence in accordance with § 34c (1) of the Trade, Commerce and Industry Regulation Act. The competent supervisory authority is the City of Frankfurt am Main, Ordnungsamt, Kleyerstraße 86, 60326 Frankfurt am Main.

Professional regulations
§ 34 c Trade, Commerce and Industry Regulation Act (GewO)
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

MRH Trowe Financial Lines GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34 d paragraph 1 of the Trade, Commerce and Industry Regulation Act and register number D-MH5S-21URD-32 The responsible supervisory authority is the Chamber of Commerce and Industry (IHK) Frankfurt am Main, Börsenplatz 4, 60313 Frankfurt am Main, Internet: frankfurt-main.ihk.de

The entry in the Intermediary Register can be checked at:

German Chambers of Commerce and Industry (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

MRH TROWE Insurance Brokers for Architects & Engineers GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34 d paragraph 1 of the Trade, Commerce and Industry Regulation Act and register number D-04CN-OOIXO-01 The responsible supervisory authority is the Chamber of Commerce and Industry (IHK) for Munich and Upper Bavaria (IHK für München und Oberbayern), Max-Joseph-Straße 2, 80333 München, Internet: ihk-muenchen.de

The entry in the Intermediary Register can be checked at:

German Chambers of Commerce and Industry (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.:  +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

MRH Trowe MED GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34 d paragraph 1 of the Trade, Commerce and Industry Regulation Act and register number D-QC8Q-Z1A5Q-38 The responsible supervisory authority is the Chamber of Commerce and Industry (IHK) for Munich and Upper Bavaria (IHK für München und Oberbayern), Max-Joseph-Straße 2, 80333 München, Internet: ihk-muenchen.de

The entry in the Intermediary Register can be checked at:

German Chambers of Commerce and Industry (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 0180 600 585 0*
* 0.20 €/call from the German landline network, mobile prices maximum 0.60 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e.V.
P.O. Box 080632
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman Private Health and Long-Term Care Insurance (Ombudsmann Private Kranken- und Pflegeversicherung
Kronenstrasse 13
10117 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

MRH TROWE Global Insurance Broker GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34 d paragraph 1 of the Trade, Commerce and Industry Regulation Act and register number D-4PFN-VNEHT-14 The responsible supervisory authority is the Chamber of Commerce and Industry (IHK) Frankfurt am Main, Börsenplatz 4, 60313 Frankfurt am Main, Internet: frankfurt-main.ihk.de.

The entry in the Intermediary Register can be checked at:

German Chambers of Commerce and Industry (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% in the voting rights or capital of an insurance company; SV SparkassenVersicherung AG Holding holds a direct interest of more than 10% of the voting rights or capital of MRH TROWE Global Versicherungsmakler GmbH.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

MRH Trowe NordWest GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34 d paragraph 1 of the Trade, Commerce and Industry Regulation Act and register number D-2IYO-CALFF-30. The responsible supervisory authority is the Chamber of Commerce and Industry (IHK) Nord Westfalen, Sentmaringer Weg 61, 48151 Münster, Internet: https://ihk-nordwestfalen.de.

The entry in the Intermediary Register can be checked at:

German Chambers of Commerce and Industry (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% in the voting rights or capital of an insurance company; Provinzial NordWest Beteiligungsgesellschaft mbH holds a direct interest of more than 10% of the voting rights or capital of MRH Trowe NordWest GmbH.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

MRH Trowe Private Clients GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34 d paragraph 1 of the Trade, Commerce and Industry Regulation Act and register number D-F-146-FJQ1-13. The responsible supervisory authority is the Chamber of Commerce and Industry (IHK), Walderdorffstr. 7, 65549 Limburg, Internet: http://www.ihk-limburg.de

The entry in the Intermediary Register can be checked at:

German Chambers of Commerce and Industry (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% in the voting rights or capital of an insurance company; Provinzial NordWest Beteiligungsgesellschaft mbH holds a direct interest of more than 10% of the voting rights or capital of MRH Trowe NordWest GmbH.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

MRH Trowe Hamburg GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with §34 d 1 of the Trade, Commerce and Industry Regulation Act and register number D-SNUQ-50UYM-77. The responsible supervisory authority is IHK Hamburg, Adolphsplatz 1, 20457 Hamburg, Internet: ihk.de/hamburg

The entry in the Intermediary Register can be checked at:

German Chambers of Commerce and Industry (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

MRH Trowe Kulmbach GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34 d paragraph 1 of the Trade, Commerce and Industry Regulation Act and register number D-T12R-1GHI9-13. The responsible supervisory authority is the Chamber of Commerce and Industry (IHK) Munich, Max-Joseph-Straße 2, 80333 München, Internet: ihk-muenchen.de

The entry in the Intermediary Register can be checked at:

German Chambers of Commerce and Industry (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

MRH Trowe Pegnitz GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34 d paragraph 1 of the Trade, Commerce and Industry Regulation Act and register number  D-BNXI-OYJY2-95. The responsible supervisory authority is the Chamber of Commerce and Industry (IHK) München and Oberbayern, Max-Joseph-Str. 2, 80333 München, Internet: http://www.ihk-muenchen.de

The entry in the Intermediary Register can be checked at:

German Chambers of Commerce and Industry (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

MRH Trowe E+H Versicherungsmakler GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with §34 d 1 of the Trade, Commerce and Industry Regulation Act and register number D-21NJ-IW7IP-58. The responsible supervisory authority is IHK Nordschwarzwald, Dr. Brandenburgstraße 6, 75173 Pforzheim, Internet:  ihk.de/nordschwarzwald/

The entry in the Intermediary Register can be checked at:

German Chambers of Commerce and Industry (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

MRH Trowe Solingen GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with §34 d 1 of the Trade, Commerce and Industry Regulation Act and register number D-E6TV-QLSG2-96. The responsible supervisory authority is IHK Wuppertal-Solingen-Remscheid, Heinrich-Kamp-Platz 2, 42103 Wuppertal, Internet:
https://www.ihk.de/bergische/.

The entry in the Intermediary Register can be checked at:

German Chambers of Commerce and Industry (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

MRH Trowe Bremen GmbH & Co. KG  is registered in the Intermediary Register as an insurance broker with a licence in accordance with §34 d 1 of the Trade, Commerce and Industry Regulation Act and register number D-3CJ0-ZGMOW-54. The responsible supervisory authority is the Chamber of Commerce and Industry (IHK) Bremen, Am Markt 13, 28195 Bremen, Internet:
www.ihk.de/bremen-bremerhaven

The entry in the Intermediary Register can be checked at:

German Chambers of Commerce and Industry (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

MRH Trowe Stuttgart GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34 d paragraph 1 of the Trade, Commerce and Industry Regulation Act and register number D-RVU6-ZN9BF-44. The responsible supervisory authority is the Chamber of Commerce and Industry (IHK) Stuttgart, Jägerstr. 30, 70174 Stuttgart, Internet: stuttgart.ihk.de.

The entry in the Intermediary Register can be checked at:

German Chambers of Commerce and Industry (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

MRH Trowe Consulting GmbH is registered in the Intermediary Register as an insurance advisor with a licence in accordance with § 34 d paragraph 2 of the Trade, Commerce and Industry Regulation Act and register number D-4UJ6-9I3E0-90. The responsible supervisory authority is the Chamber of Commerce and Industry (IHK) Stuttgart, Jägerstr. 30, 70174 Stuttgart, Internet: stuttgart.ihk.de.

The entry in the Intermediary Register can be checked at:

German Chambers of Commerce and Industry (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

asmarit GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with §34 d 1 of the Trade, Commerce and Industry Regulation Act and register number D-PTPN-TH7IT-29. The responsible supervisory authority is IHK Mittlerer Niederrhein, Nordwall 39, 47798 Krefeld, Internet: mittlerer-niederrhein.ihk.de/

The entry in the Intermediary Register can be checked at:

German Chambers of Commerce and Industry (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

ASV Assekuranz-Service NRW Versicherungsmakler GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with §34 d 1 of the Trade, Commerce and Industry Regulation Act and register number D-2T8K-FQQWA-11. The responsible supervisory authority is IHK Düsseldorf, Ernst-Schneider-Platz 1, 40212 Düsseldorf, Internet: https://www.ihk.de/duesseldorf/

The entry in the Intermediary Register can be checked at:

German Chambers of Commerce and Industry (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)
The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.
Our email address is: info@mrh-trowe.com

Complaint management
If you have any complaints about our activities, please contact our complaints office:
Email: beschwerde@mrh-trowe.com
Phone: +49 (0) 6631 91 145-0

360gradmanagerschutz GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34 d paragraph 1 of the Trade, Commerce and Industry Regulation Act and register number D-6F0H-XT29R-57. The competent supervisory authority is Munich and Upper Bavaria (CCI), Max-Joseph-Str. 2, 80333 München, Internet: http://www.hk24.de.

The entry in the Intermediary Register can be checked at:

German Chambers of Commerce and Industry (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

MDT Travel Broker GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34 d paragraph 1 of the Trade, Commerce and Industry Regulation Act and register number D-FIBP-3480D-50. The responsible supervisory authority is the Chamber of Commerce and Industry (IHK) Frankfurt am Main, Börsenplatz 4, 60313 Frankfurt am Main, Internet: frankfurt-main.ihk.de.

The entry in the Intermediary Register can be checked at:

German Chambers of Commerce and Industry (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

Harald Schwardt Versicherungsmakler GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34 d paragraph 1 of the Trade, Commerce and Industry Regulation Act and register number D-ADK1-RCIVQ-37. The responsible supervisory authority is the Chamber of Commerce and Industry (IHK) Düsseldorf, Ernst-Schneider-Platz 1, 40212 Düsseldorf, Internet: duesseldorf.ihk.de

The entry in the Intermediary Register can be checked at:

German Chambers of Commerce and Industry (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

Sportvers GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34 d paragraph 1 of the Trade, Commerce and Industry Regulation Act and register number D-AJK8-WRW7M-62. The responsible supervisory authority is the Chamber of Commerce and Industry (IHK) Reutlingen, Hindenburgstr. 54, 72762 Reutlingen, Internet: www.reutlingen.ihk.de.

The entry in the Intermediary Register can be checked at:

German Chambers of Commerce and Industry (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

Helmig & Partner GmbH & Co. KG is registered in the Intermediary Register as an insurance broker with a licence in accordance with §34 d 1 of the Trade, Commerce and Industry Regulation Act and register number D-20IT-4XGDG-58.The responsible supervisory authority is the Chamber of Commerce and Industry (IHK) Nord Westfalen, Sentmaringer Weg 61, 48151 Münster, Internet: https://www.ihk-nordwestfalen.de.

The entry in the Intermediary Register can be checked at:

German Chambers of Commerce and Industry (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

HWA Vorsorgemanagement GmbH & Co. KG is registered in the Intermediary Register as an insurance broker with a licence in accordance with §34 d 1 of the Trade, Commerce and Industry Regulation Act and register number D-QWRP-6LXAH-14.The responsible supervisory authority is the Chamber of Commerce and Industry (IHK) Nord Westfalen, Sentmaringer Weg 61, 48151 Münster, Internet: https://www.ihk-nordwestfalen.de.

The entry in the Intermediary Register can be checked at:

German Chambers of Commerce and Industry (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

HWA Finanzplan GmbH & Co. KG is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34fof the Trade, Commerce and Industry Regulation Act and register number D-F-156-EUIW-03. The responsible supervisory authority is the Chamber of Commerce and Industry (IHK) Nord Westfalen, Sentmaringer Weg 61, 48151 Münster, Internet: https://www.ihk-nordwestfalen.de.

The entry in the Intermediary Register can be checked at:

German Chambers of Commerce and Industry (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

Lech-Assekuranz GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with §34 d 1 of the Trade, Commerce and Industry Regulation Act and register number D-Z5V0-CPPPB-24.The responsible supervisory authority is the Chamber of Commerce and Industry (IHK) Munich, Max-Joseph-Str. 2, 80333 München, Internet: https://www.ihk-nordwestfalen.de.

The entry in the Intermediary Register can be checked at:

German Chambers of Commerce and Industry (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

WRV GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with §34 d 1 of the Trade, Commerce and Industry Regulation Act and register number D-FCNP-6YUNU-93. The responsible supervisory authority is the Chamber of Commerce and Industry (IHK) Hannover, Schiffgraben 49, 30175 Hannover, Internet: https://www.hannover.ihk.de

The entry in the Intermediary Register can be checked at:

German Chambers of Commerce and Industry (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

afm Holding AG is registered in the Intermediary Register as an insurance broker with a licence in accordance with §34 d 1 of the Trade, Commerce and Industry Regulation Act and register number D-6X89-RJ0QF-72. The responsible supervisory authority is the Chamber of Commerce and Industry (IHK) Hamburg, Adolphsplatz 1, 20457 Hamburg, Internet:
https://www.ihk.de/hamburg

The entry in the Intermediary Register can be checked at:

German Chambers of Commerce and Industry (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

Müller & Partner GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with §34 d 1 of the Trade, Commerce and Industry Regulation Act and register number D-QWJM-IPWC2-41. The responsible supervisory authority is IHK Südthüringen, Bahnhofstraße 4-8, 98527 Suhl, Internet: www.suhl.ihk.de

The entry in the Intermediary Register can be checked at:

German Chambers of Commerce and Industry (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

Investment advice and investment brokerage pursuant to §2 of the German Securities Institutions Act (WpIG)

Investment advice pursuant to Section 2 para 2, no. 4 WpIG and investment brokerage pursuant to § 2 para 2, no. 3 WpIG are provided on behalf of, in the name of, for the account of and under the liability of BN & Partners Capital AG, Steinstraße 33, 50374 Erftstadt, pursuant to § 3 para 2 WpIG.

BN & Partners Capital AG holds a corresponding licence from the Federal Financial Supervisory Authority (BaFin) for the aforementioned investment services in accordance with § 15 WpIG.

Arbitration centres for out-of-court dispute resolution

Due to a legal obligation, BN & Partners Capital AG participates in the dispute resolution procedures of the competent arbitration board at the Federal Financial Supervisory Authority in the event of disputes arising from or concerning consumer contracts with BN & Partners Capital AG.

Contact details of the arbitration centre:
Federal Financial Supervisory Authority
Arbitration centre
Graurheindorfer Str. 108
53117 Bonn
Telephone: +49 228 4108 0, Fax: +49 228 410 862 299 Internet: www.bafin.de
E-mail: schlichtungsstelle@bafin.de

The arbitration board of the Verband unabhängiger Vermögensverwalter Deutschland e.V. (German Association of Independent Asset Managers) is responsible for property disputes arising from investment service agreements with Reuss Private Bank für Wertpapierhandel AG:

VuV Ombudsman’s Office
Stresemannallee 30
60596 Frankfurt am Main
http://vuv-ombudsstelle.de/

Reuss Private Bank für Wertpapierhandel AG is a member of the Verband unabhängiger Vermögensverwalter Deutschland e.V. (German Association of Independent Asset Managers) and is obliged under its articles of association to participate in dispute resolution proceedings conducted by the VuV Ombudsman’s Office.

Sustainability – ESG (Environmental Social Governance)

Müller & Partner GmbH is a tied agent of BN & Partners Capital AG pursuant to Section 3 (2) WpIG.

The mandatory disclosures pursuant to the EU Disclosure Regulation for BN & Partners Capital AG as an investment firm/financial advisor can be found below at https://www.bnpartner.com/esg.html.

In addition, Müller & Partner GmbH cooperates with Reuss Private Bank für Wertpapierhandel AG in the area of financial portfolio management. The mandatory disclosures pursuant to the EU Disclosure Regulation of Reuss Private as a financial market participant can be found below at https://www.reussprivate.de/esg/esg.html.”

Vertoura Versicherungsmakler GmbH & Co. KG is registered in the Intermediary Register as an insurance broker with a licence in accordance with §34 d 1 of the Trade, Commerce and Industry Regulation Act and register number D-M4VY-T8M86-93. The responsible supervisory authority is IHK Wiesbaden, Wilhelmstraße 24-26, 65183 Wiesbaden, Internet: www.ihk.de/wiesbaden/

The entry in the Intermediary Register can be checked at:

German Chambers of Commerce and Industry (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

Frank Rauch & Kollegen Finanz- und Versicherungsmakler GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with §34 d 1 of the Trade, Commerce and Industry Regulation Act and register number D-31DX-5GF4X-66. The responsible supervisory authority is IHK Darmstadt, Rheinstraße 89, 64295 Darmstadt, Internet: www.darmstadt.ihk.de

The entry in the Intermediary Register can be checked at:

German Chambers of Commerce and Industry (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

Financial investment broker according to § 34f para 1, no. 1 of the Trade, Commerce and Industry Regulation Act, Federal Republic of Germany

The entry in the register of intermediaries (www.vermittlerregister.info) as a financial investment broker can be called up under the following registration number:

D-F-115-JWJ8-18

Supervisory authority and competent authority for the licence:
Chamber of Industry and Commerce (IHK) Darmstadt
Rheinstraße 89
64295 Darmstadt
Telephone: +49 6151 871-0
http://www.darmstadt.ihk.de

The registration can be checked as follows:
DIHK | German Chamber of Industry and Commerce
Breite Straße 29, 10178 Berlin
Telephone 0180-600-585-0 *
www.vermittlerregister.info
* 0.20 â’¬/call

In accordance with § 36 VSBG and § 17 para. 4 VersVermV, we hereby inform you that we are obliged and willing to participate in a dispute resolution procedure. The following arbitration bodies can be called upon:

European Commission
Online dispute resolution platform (OS platform)
http://ec.europa.eu/consumers/odr

Professional regulations:

• Section 34f of the German Trade Regulation Act (GewO)
• Ordinance on Financial Investment Brokerage (FinVermV)

The professional regulations can be viewed and accessed via the website www.gesetze-im-internet.de operated by the Federal Ministry of Justice and juris GmbH.

Information on issuers and providers for whose financial investments brokerage or advisory services are offered:

Brokerage and advisory services are provided for financial investments from the entire range of the existing market in Germany, insofar as this is permitted within the scope of the official authorization as a financial investment broker/advisor in accordance with Section 34f GewO.

Real estate loan broker pursuant to § 34i para 1 of the Trade, Commerce and Industry Regulation Act, Federal Republic of Germany

The entry in the register of intermediaries (www.vermittlerregister.info) as a property loan broker can be called up under the following registration number:
D-W-115-V3ZM-11

Supervisory authority and competent authority for the licence:
Chamber of Industry and Commerce (IHK) Darmstadt
Rheinstraße 89
64295 Darmstadt
Telephone: +49 6151 871-0
http://www.darmstadt.ihk.de

The registration can be checked as follows:
DIHK | German Chamber of Industry and Commerce
Breite Straße 29, 10178 Berlin
Telephone 0180-600-585-0 *
www.vermittlerregister.info
* 0.20 â’¬/call

In accordance with § 36 VSBG and § 17 para. 4 VersVermV, we hereby inform you that we are obliged and willing to participate in a dispute resolution procedure. The following arbitration bodies can be called upon:

European Commission
Online dispute resolution platform (OS platform)
http://ec.europa.eu/consumers/odr

Professional regulations:

• Section 34i of the German Trade Regulation Act (GewO)
• Real Estate Loan Brokerage Ordinance – ImmVermV

The professional regulations can be viewed and accessed via the website www.gesetze-im-internet.de operated by the Federal Ministry of Justice and juris GmbH.

ASSPERT Versicherungsmakler GmbH & Co. KG is registered in the Intermediary Register as an insurance broker with a licence in accordance with §34 d 1 of the Trade, Commerce and Industry Regulation Act and register number D-3H09-A5BX3-90. The responsible supervisory authority is IHK Stuttgart, Jägerstraße 30, 70174 Stuttgart, Internet: www.ihk.de/stuttgart/

The entry in the Intermediary Register can be checked at:

German Chambers of Commerce and Industry (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

BAVARIA AG is registered in the Intermediary Register as an insurance broker with a licence in accordance with §34 d 1 of the Trade, Commerce and Industry Regulation Act and register number D-PV7B-6NX74-00. The responsible supervisory authority is IHK München und Oberbayern, Max-Joseph-Straße 2, 80333 München, Internet: www.ihk-muenchen.de/de

The entry in the Intermediary Register can be checked at:

German Chambers of Commerce and Industry (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

HANSEKONTOR Maklergesellschaft mbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with §34 d 1 of the Trade, Commerce and Industry Regulation Act and register number D-N8VB-IXC4T-30. The responsible supervisory authority is IHK Hamburg, Adolphsplatz 1, 20457 Hamburg, Internet: www.ihk.de/hamburg

The entry in the Intermediary Register can be checked at:

German Chambers of Commerce and Industry (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

VIA Delcredere GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with §34 d 1 of the Trade, Commerce and Industry Regulation Act. The responsible supervisory authority is IHK Köln, Unter Sachsenhausen 10-26, 50667 Köln Internet: www.ihk.de/koeln

The entry in the Intermediary Register can be checked at:

German Chambers of Commerce and Industry (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

Dannenberg Versicherungsmakler GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with §34 d 1 of the Trade, Commerce and Industry Regulation Act and register number D-RFFJ-X1ZZW-41. The responsible supervisory authority is IHK Dresden, Langer Weg 4, 01239 Dresden, Internet: http://www.dresden.ihk.de

The entry in the Intermediary Register can be checked at:

German Chambers of Commerce and Industry (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

Versicherungsmakler Wimmer GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with §34 d 1 of the Trade, Commerce and Industry Regulation Act and register number D-UV2G-EMO3Y-29. The responsible supervisory authority is IHK for München and Oberbayern, Max-Joseph-Str. 2, 80333 München, Internet: www.ihk-muenchen.de

The entry in the Intermediary Register can be checked at:

German Chambers of Commerce and Industry (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

AssekuranzKontor Schneider GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with §34 d 1 of the Trade, Commerce and Industry Regulation Act and register number D-I4SL-OVXYB-95. The responsible supervisory authority is IHK Mittlerer Niederrhein, Nordwall 39, 47798 Stadtmitte, Krefeld, Internet: https://mittlerer-niederrhein.ihk.de/

The entry in the Intermediary Register can be checked at:

German Chambers of Commerce and Industry (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

CRM Makler GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with §34 d 1 of the Trade, Commerce and Industry Regulation Act and register number D-F4JE-OHZAX-32. The responsible supervisory authority is IHK Hamburg, Adolphsplatz 1, 20457 Hamburg, Internet: www.ihk.de/hamburg

The entry in the Intermediary Register can be checked at:

German Chambers of Commerce and Industry (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

Complaints management

If you have any complaints about our activities, please contact our complaints office:

E-mail: beschwerde@mrh-trowe.com
Telephone: +49 (0) 6631 91145-0

TAS Touristik Assekuranz-Service GmbH is registered in the register of intermediaries as an authorised insurance agent pursuant to Section 34 d (1) GewO with the registration number: D-X0FC-4DWQN-09 and can be verified at www.vermittlerregister.info or at the competent supervisory authority of the Chamber of Industry and Commerce (IHK) Frankfurt am Main, Börsenplatz 4, 60313 Frankfurt am Main, Internet: www.frankfurt-main.ihk.de.

Our company holds no direct or indirect interest in the voting rights or capital of an insurance company. No insurance company or parent company of an insurance company has a direct or indirect holding of more than 10% of the voting rights or capital.

Arbitration centres – out-of-court dispute resolution –
Versicherungsombudsmann e.V., Postfach 08 06 32, 10006 Berlin; www.versicherungsombudsmann.de Ombudsmann Private Kranken- und Pflegeversicherung, Postfach 06 02 22, 10052 Berlin, www.pkv-ombudsmann.de

Complaints management

If you have any complaints about our activities, please contact our complaints office:

E-mail: beschwerde@mrh-trowe.com
Telephone: +49 (0) 6631 91145-0

CR Assekuranz Makler GmbH is registered in the register of intermediaries as an authorised insurance agent pursuant to Section 34 d (1) GewO with the registration number: D-JLX4-L5KPK-57 and can be verified at www.vermittlerregister.info or at the competent supervisory authority of the IHK Südthüringen, Hauptstraße 33, 98529 Suhl-Mäbendorf, Internet:  https://www.suhl.ihk.de/

The entry in the Intermediary Register can be checked at:

German Chambers of Commerce and Industry (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

Party responsible for the offerings that are designed as journalistic and editorial content, as stipulated in § 18 paragraph 2 of the Interstate Broadcasting Agreement (MStV):

Melanie Müller, Walther-von-Cronberg-Platz 6, 60594 Frankfurt am Main, Germany

All information on these Internet pages is thoroughly researched, checked and updated by MRH Trowe. Despite all care, information can change, therefore no liability or guarantee can be accepted for the accuracy, completeness and topicality of the information provided.
The same also applies to all Internet pages that are referred to via a hyperlink.

We expressly state that the information provided on this website does not constitute individual and detailed advice, nor can it cannot replace individual and detailed advice.

The structure, data and texts of the Internet pages are protected by copyright. Duplication of information, in particular the use of texts, text modules, graphics or images, requires the prior written consent of MRH Trowe.

#108163277 © LdF – istock.com
#531868458 © Nikada – istock.com
#614501420 © Prasit Rodphan – istock.com
#949207986 © AndreyPopov – istock.com
#496093954 © UberImages – istock.com
#693646938 © HYWARDS – stock.com
#658789952 © nonnie192 – istock.com
#589428708 © Chalabala – istock.com
#519709446 © ensuria – istock.com
#905363658 © Pekic – istock.com
#872401234 © 35007 – istock.com
#834734164 © RomoloTavani – istock.com
#643660216 © mihtiander – istock.com
#858229452 © skynesher – istock.com
#657488742 © PeopleImages – istock.com
#657566416 © bogdankosanovic – istock.com
#827638710 © ijeab – istock.com
#876834902 © oatawa – istock.com
#838110324 © Wavebreakmedia – istock.com
#928917848 © andresr – istock.com
#518707448 © opolja – istock.com
#668832552 © SIphotography – istock.com
#669473078 © littlehenrabi – istock.com
#873473740 © SARINYAPINNGAM – istock.com
#700702502 © filadendron – istock.com
#984878838 © GrapeImages – istock.com
#111993299 © ivanastar – istock.com
#697123482 © Natee Meepian – istock.com
#597940046 © Rawpixel – istock.com
#889309854 © metamorworks – istock.com
#695076188 © Totojang – istock.com
#649163090 © Ankabala – istock.com
#820374390 © lovelyday12 – istock.com
#822258268 © juststock – istock.com
#850346628 © Kwangmoozaa – istock.com
#636103682 © fizkes – istock.com
#638737942 © VictorGrow – istock.com
#505618474 © g-stockstudio – istock.com
#485275948 © martin-dm – istock.com
#670897714 © Ralwel – istock.com
#537368476 © PavelIvanov – istock.com
#471651920 © vgajic – istock.com
#518372958 © dziobek – istock.com
#467783032 © PeopleImages – istock.com
#172692834 © MarsBars – istock.com
#870210304 © Weerasaksaeku – istock.com
#921976700 © skynesher – istock.com
#1010128856 © Phuchit – istock.com
#832109256 © scyther5 – istock.com
#539235135 © TommasoT – istock.com
#583725860 © ipopba – istock.com
#510153022 © guruXOOX – istock.com
#483060168 © alessandroguerriero – istock.com
#514177539 © Geber86– istock.com
#804416178 © gradyreese– istock.com
#482699418 © pixdeluxe– istock.com
#868895718 © ljubaphoto– istock.com
#517847412 © wundervisuals– istock.com
#596352512 © Imgorthand – istock.com
#825082848 © Ridofranz – istock.com
#932825716 © Wand_Prapan – istock.com
#830413372 © opolja – istock.com
#618454786 © vadimguzhva – istock.com
#678444498 © oatawa – istock.com
#518347116 © Pinkypills – istock.com
#687446018 © Doucefleur – istock.com
#815165952 © Pinkypills – istock.com
#495952164 © oneinchpunch – istock.com
#1011241652 © nd3000 – istock.com
#510166804 © SeanPavonePhoto – istock.com
#911999972 © gradyreese – istock.com
#507845190 © franckreporter – istock.com
#618454786 © vadimguzhva – istock.com
#849592780 © Steve Debenport – istock.com
#693646938 © HYWARDS – istock.com
#871683804 © seksan mongkhonkhamsao – istock.com
#884536984 © LightFieldStudios – istock.com
#497094878 © FlamingoImages – istock.com
#881542122 © Jirapong Manustrong – istock.com
#823322674 © jacoblund – istock.com
#869880256 © filadendron – istock.com
#539444012 © level17 – istock.com
#544350926 © Ridofranz – istock.com
#654079002 © ipopba – istock.com
#820374558 © lovelyday12 – istock.com
#845547386 © patpitchaya – istock.com
#878310978 © bernardbodo – istock.com
#917079152 © marchmeena29 – istock.com
#826047394 © scyther5 – istock.com
#479181997 © LOSHADENOK – istock.com
#152227356 © tomy2 – istock.com
#820672754 © dima_sidelnikov – istock.com
#156249964 © vtwinpixel – istock.com
#510471058 © MariuszBlach – istock.com
#837445756 © Rudenkoi – istock.com
#516178748 © Dmytro Aksonov – istock.com
#898212112 © busracavus – istock.com
#1073369990 © deepblue4you – istock.com
#904150008 © marchmeena29 – istock.com
#118382732 © kyoshino – istock.com
#171590106 © PPAMPicture – istock.com
#611747524 © Tzido – istock.com
#915045118 © ah_fotobox – istock.com
#1399359901 © zoranm – istock.com
#1313633321 © Cunaplus_M.Faba – istock.com
#1133468656 © Kwangmoozaa– istock.com
#1221156036 © Smileus – istock.com
#1275786906 © NanoStockk – istock.com
#810293400 @ vm – istock.com
#945026672 @ Ralf Geithe – istock.com
#946120324 @ KatarzynaBialasiewicz – istock.com
#1129810557 @ Chalirmpoj Pimpisarn – istock.com
#1157633063 @ VioletaStoimenova – istock.com
#1177117400 @ lovro77 – istock.com
#1368549567 @ MaxImages – istock.com
#1440668597 @ onurdongel – istock.com
#1365090573 @ pcess609 – istock.com
#157187905 @ LawrenceSawyer – istock.com
#1174126283 @ sanjeri – istock.com
#1470881517 @ Parradee Kietsirikul – istock.com
#1455204873 @ Wirestock – istock.com
#1295679334 @ kingwin – istock.com
#1644775768 @ miniseries – istock.com
#2155273326 @ alvarez – istock.com
#1413530473 @ angel_nt – istock.com
#530710119 @ gjp311 – istock.com
#910835798 @ Delmaine Donson – istock.com
#LPLBUCB @ PD-media – elements.envato.com 

Iconset Kindergarten © freepik – flaticon.com
Iconset Summer © freepik – flaticon.com
Iconset Brands © simpleicons – simpleicons.org
Iconset Linea © Dario Ferrando – linea.io
Iconset Linearicons © Perxis – linearicons.com