REGULATORY INFORMATION

I CONSEIL EXPERTISE ASSURANCES, which carries on the business of insurance brokerage, is registered with ORIAS under number 08 046 290. This information can be checked on the ORIAS website: www.orias.fr.

As an independent broker, our firm has no shareholding or financial ties with any insurance undertaking. Our mission is to offer you solutions suited to your needs, with complete objectivity and independence.

In order to provide an efficient, high-quality service, we have entered into cooperation agreements with the insurance undertakings with which policies are taken out. These agreements in no way influence our independence and do not affect the objectivity of our advice.

Our remuneration is based on

• Fees, where our advisory and support services are invoiced directly to the client.
• Commissions, which may be included in the insurance premium and paid by the insurance companies in consideration for intermediation and the ongoing management of policies.

Your right to information

In accordance with article L.520-1-II of the French Insurance Code, you may, on simple written request (by post or email), obtain the list of insurance companies our firm works with, as well as details of the nature and arrangements of our remuneration.

If you would like more information about our remuneration policy, please contact us at iceassurances@yahoo.fr.

Our firm operates a policy for managing conflicts of interest in the provision of insurance intermediation services.

Which conflicts of interest?

As part of our conflicts of interest policy, our firm has identified the potential conflicts of interest existing within it. Conflicts of interest may arise between (i) our firm and the persons connected to it and a client, or (ii) between several clients. The conflicts of interest policy takes account of the characteristics specific to our firm.

When assessing possible conflicts of interest, our firm has listed the situations in which there is a material risk that the client's interests may be harmed. Specifically, these are situations in which:

• a gain is made or a loss is incurred at the client's expense;
• our firm has a different interest in the outcome of the service or transaction;
• our firm has a financial incentive to favour certain clients or to treat them differently;
• the same activity as the client's is carried on;
• our firm receives remuneration from a person other than the client for the insurance intermediation services provided.

What measures does our firm take?

Our firm takes numerous measures to ensure that the client's interest prevails. These include the following:

• an appropriate internal organisation that ensures an effective conflicts of interest policy;
• a consistent application of the assessment of each client's needs and capabilities;
• a suitable remuneration policy for the persons connected to our firm;
• a policy ensuring that our firm and the persons connected to it are aware of the conduct of business rules;
• a policy reserving our firm the right, in the absence of a concrete solution to a specific conflict of interest, to decline the requested service for the sole purpose of protecting the client's interests;
• a policy on the receipt of benefits in kind and gifts;
• a policy ensuring that all information provided by our connected persons is fair, clear and not misleading.

Where necessary, our firm's conflicts of interest policy will be adapted and/or updated.

If there are insufficient guarantees as to the effectiveness of our conflicts of interest policy, you will be informed of the (potential) conflict of interest so that you can make an informed decision.

Obtaining the full policy

You have the right to request a copy of the full conflicts of interest policy. You can contact us at the following email address: iceassurances@yahoo.fr.

See also our Remuneration Policy.

Introduction

Sustainability is at the heart of our commitments as an insurance broker. In accordance with the European SFDR Regulation (EU) 2019/2088, we undertake to integrate environmental, social and governance (ESG) criteria into our advisory practices and our recommendations on insurance and investment.

Taking sustainability risks into account

In accordance with the SFDR Regulation, we assess, in addition to the relevant financial risks, the relevant sustainability risks, in so far as that information is available for the products we advise on. Specifically, this means that we assess environmental, social or governance events which, if they occur, could have a material negative impact on the value of the investment.

We integrate sustainability risks by taking environmental, social and governance criteria into account in our product selection. We favour insurance and investment solutions that meet high standards of social and environmental responsibility. We also analyse insurers' commitments in relation to sustainable finance and the ecological transition.

The concept and rules relating to sustainability risks and factors in European and national legislation are still incomplete and will continue to evolve. As new measures come into force and regulatory guidance becomes available, we will adapt our approach and provide you with further information on our policy for integrating sustainability risks into our advice and practices.

Remuneration policy and sustainability

We ensure that our internal remuneration policy relating to advice on insurance-based investment products promotes sound and effective management of sustainability risks and does not encourage excessive risk-taking with respect to those risks.

See also our Remuneration Policy.

Principal adverse sustainability impacts

In accordance with the SFDR Regulation, we assess the principal adverse sustainability impacts against the following criteria:

• the environmental impact of investment products, in particular their contribution to the energy transition and the reduction of carbon emissions;
• the social policy of the companies underlying the products advised on, including working conditions and equal opportunities;
• the governance of issuing companies, by analysing their transparency, their anti-corruption policy and their respect for shareholder rights.

We review the information provided on the product concerned and check whether the provider integrates sustainability criteria appropriately.

We continuously strive to integrate the most significant adverse impacts on sustainability factors into our advice.

For further detail on principal adverse sustainability impacts, we also invite you to read the information published by the product providers.

Integrating sustainability risks into our advice

In our insurance and investment product advisory business, we take sustainability risks into account in our recommendations, on the basis of the following:

• Product analysis: we examine the sustainability commitments of insurers and asset management companies.
• Tailored advice: we take our clients' sustainability preferences into account in order to propose solutions that match their expectations.
• Continuous updating: our approach evolves alongside new regulations and industry practices.

Transparency and evolution

The regulatory framework relating to sustainability continues to evolve. We undertake to adapt our policy in line with new obligations and the recommendations of the supervisory authorities.

For any question about our approach to sustainability, you can contact us at the following address: iceassurances@yahoo.fr.