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Legal notice

This English translation is provided for your convenience. Only the German version is legally binding.

I-FS Berlin GmbH
Janusz-Korczak-Str. 35
12627 Berlin
Germany

Phone: +49 30 3377 1235
Email: info@i-fs.de

Managing Director: Martin Ehrle
Commercial register: Charlottenburg Local Court (AG Charlottenburg), HRB 228772 B
VAT ID: DE242325829

Responsible for content pursuant to Section 18 (2) MStV (German Interstate Media Treaty):
Martin Ehrle (address as above)

Licences and supervisory authorities

Licence pursuant to Section 34c (1) of the German Trade Regulation Act (GewO); supervisory authority: Trade Office (Gewerbeamt) Marzahn-Hellersdorf of Berlin

Licence pursuant to Section 34d (1) GewO (insurance agent); supervisory authority: Berlin Chamber of Industry and Commerce (IHK Berlin), Fasanenstraße 85, 10623 Berlin

Licence pursuant to Section 34i (1) sentence 1 GewO (real estate loan intermediary); supervisory authority: Berlin District Office, Public Order Office (Bezirksamt von Berlin, Ordnungsamt), Premnitzer Str. 11, 12681 Berlin

Intermediary register

www.vermittlerregister.info
Registration no. D-JEHW-FNAUD-68 (for Section 34d GewO)
Registration no. D-W-107-ENS7-89 (for Section 34i GewO)

Professional title

Insurance agent (Versicherungsvertreter) licensed under Section 34d (1) GewO, Federal Republic of Germany
Real estate loan intermediary (Immobiliardarlehensvermittler) under Section 34i (1) sentence 1 GewO, Federal Republic of Germany

Competent professional chamber

Berlin Chamber of Industry and Commerce (IHK Berlin), Fasanenstraße 85, 10623 Berlin

Professional regulations

• Section 34c German Trade Regulation Act (GewO)
• Section 34d German Trade Regulation Act (GewO)
• Section 34i German Trade Regulation Act (GewO)
• Sections 59–68 German Insurance Contract Act (VVG)
• Ordinance on Insurance Mediation and Advice (VersVermV)
• Ordinance on Real Estate Loan Intermediation (ImmVermV)

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

Information on sustainability risks in financial products

What are sustainability risks?

Sustainability risks (ESG risks) are events or conditions in the three areas of environment, social and governance which, if they occur, could have a negative impact on the value of an investment. These risks can affect individual companies as well as entire sectors or regions.

What are examples of sustainability risks in the three areas?

Environment: As a result of climate change, more frequent extreme weather events could pose a risk. This is also known as physical risk. One example would be an extreme drought in a particular region, which could cause water levels in transport routes such as rivers to fall so far that the transport of goods is impaired.
Social: In the social area, risks could arise, for example, from failure to comply with labour standards or health protection.
Governance: Examples of governance risks include tax non-compliance or corruption within companies.

Information on the integration of sustainability risks in our advisory services (Art. 3 SFDR)

To take sustainability risks into account in our advice, we consider the information made available by providers (financial market participants) and their financial products when selecting them. Providers that clearly have no strategy for integrating sustainability risks into their investment decisions may not be offered. Where taking sustainability risks into account in the investment decision has identifiable advantages or disadvantages for the client, this may be presented separately during the consultation. Each provider informs about how it takes sustainability risks into account in its investment decisions in its pre-contractual information. The client may raise questions on this before any possible conclusion of a contract.

Information on the consideration of principal adverse impacts on sustainability factors (Art. 4 SFDR in conjunction with Art. 11 of the supplement to the SFDR of 1 January 2023)

Statement on the consideration of the principal adverse impacts on sustainability factors in investment and insurance advice: In our advice, our aim is to be able to recommend a suitable investment or insurance-based investment product to you. In doing so, we also take your sustainability preferences into account if you so wish. You can specify whether environmental and/or social values, principles of good corporate governance and/or the principal adverse impacts of investment decisions on sustainability factors should be taken into account in your investment. Depending on the type of investment objective (investment in companies, governments, real estate, etc.), the legislator has defined "indicators" for the principal adverse impacts of investment decisions on sustainability factors in the following areas:

• Environmental, social and employee matters
• Respect for human rights
• Anti-corruption and anti-bribery matters.

Product providers are legally obliged to publish a statement on the strategy they pursue with regard to the consideration of principal adverse impacts and how they deal with them. This relates in particular to greenhouse gas emissions, water consumption, biodiversity, waste, social and employee matters (including human rights and corruption). If you decide that the principal adverse impacts of your investment decisions on sustainability factors should be taken into account in the product selection, we will consider the information provided by the product providers and the strategies they have set out as part of the selection process. We do not apply our own classification or selection methods to the providers' information. The providers' information is not separately checked for plausibility.

Information on remuneration policy with regard to sustainability risks (Art. 5 SFDR)

The remuneration for arranging financial products is generally not influenced by sustainability risks. Providers may pay higher remuneration for investments that take sustainability risks into account. If this does not conflict with the client's interests, the higher remuneration will be accepted.