MW Expat Solution Services GmbH
                                   German insurances explained so that you understand


Status-Related Initial Information

Mandatory information in accordance with § 15 para. 1 of the VersVermV (Insurance Brokerage Regulations) in conjunction with § 34 d of the GewO (Trade Regulations)

1. Adviser responsible for you                                                                                                                                                                          MW Expat Solution Services GmbH, Lechanger 8, 86899 Landsberg am Lech, Germany, Tel: +49 (0)151 15358575, E-Mail: Office@mw-expat.com (Managing Director Matthais Wolf) Registered at the Amtsgericht Augsburg under the number HRB 33688.

2. Insurance brokerage                                                                                                                                                                                 The adviser responsible for you acts as an insurance broker with permit according to§ 34d Abs.1 GewO (see above) issued by the IHK (Chamber of Commerce) München und Oberbayern. This is the basis for independent advice and the selection of offers from a very large number of product partners.

3. Property indemnity Insurance                                                                                                                                                                 For each of the services listed here, your adviser has a financial loss liability insurance, in each case to the extent prescribed by law, with R + V Allgemeine Versicherung AG, 65181 Wiesbaden. Territorial scope: entire EU territory and Turkey.

4.Payments                                                                                                                                                                                                           In connection with the placement activity, MW Expat Solution Services GmbH receives payments (for example, commissions) from third parties and / or may retain benefits already received. MWExpat Solution Services GmbH will inform you about the actual amount of these commissions in the course of the brokerage before the conclusion of a transaction.

5. Broker register                                                                                                                                                                                                 Your broker is entered in the following broker register according to § 15a GewO (see above). The register for insurance brokers (§ 34d GewO) is kept at the DIHK; the information can be consulted there:

German Chamber of Commerce and Industry (DIHK) e.V.                                                                                                                     Breite Straße 29, 10178 Berlin, Germany, Tel: +49 (0) 180 600 585 0 (German landline price 0.20 € / call, mobile phoneprices maximum 0.60 € / call)                                                                                                                                                           www.vermittlerregister.info

6. Registration Information                                                                                                                                                                   Registration number for § 34 d of the GewO (see above): D-Y6GF-0P8YG-59                                                                                         IHK München und Oberbayern,                                                                                                                                                                         Max-Joseph-Str. 2, 80333 München,                                                                                                                                                             Telefon: +49 (0)89 51160, Telefax: +49 (0)89 5116- 1306,                                                                                                                                E-Mail: info@muenchen.ihk.de, www.ihk-muenchen.de

7.Participation in insurance business
The broker responsible for you holds no direct or indirect shareholdings ofmore than 10%of the voting rights orcapital in an insurance business. An insurance company does not hold direct or indirect interests of more than 10% in MW Expat Solution Services GmbH business.

8.Data protection information
As far as it is the subject of a request from you to the broker, the broker where appropriate may also collect, process and use data already provided by you in relation to provision of advice for contracts only available via MW Expat Solution Services GmbH.

9.Out-of-court arbitration boards
In the event of disputes relating to the brokering of insurance contracts, out-of-court arbitration boards are available:

Insurance Ombudsman e.V.                         Ombudsman for Private Health/Nursing Care Insurance
Postbox 080632,10006Berlin                          Kronenstrasse 13, 10117Berlin
Tel:+49(0)1804224424                                      Tel: +49 (0)180 2550444
(20Cent/call fromGerman landlines,mobilephonepricemaximum0.42€ /call)              (6 Cent/call fromGerman landlines,mobile phone pricemaximum 0.42 € / call)
Fax:+49 (0)1804 224425                                   Fax: +49 (0)3020458931
www.versicherungsombudsmann.de          www.pkv-ombudsmann.de

Further addresses of arbitration boards and possibilities for out-of-court dispute resolution are available from:

Federal Financial Supervisory Authority (BaFin)                                                                                                                          Graurheindorfer Straße 108, 53117 Bonn                                                                                                                                            www.bafin.de

Contractual partners in the field of insurance for health insurance, life insurance, property insurance, motor insurance and others:
AGILA Haustierversicherung; Allianz Versicherung; Alte Leipziger Versicherung; Ammerländer Versicherung; ARAG Versicherung; Auxilia/KS Versicherung; AXA Versicherung; Baden Badener Versicherung; Barmenia Versicherung; Basler Versicherung; Bavaria Direkt / OVAG; Bayerische Versicherung; BBKK Versicherung; BKK MHplus; BGV - Badische Versicherung; Canada Life; Concordia Versicherung; Condor Versicherung; Continentale Versicherung; CSS Versicherung; DA-direkt Versicherung; D.A.S. Versicherung; DBW- Winterthur Versicherung; Delta Direkt Versicherung; Deutscher Ring; Deurag Rechtschutzversicherung; DEVK Versicherung; Dialog Versicherung; DKV Versicherung; DMB Rechtschutz-Versicherung; Domcura; ERGO Versicherungsgruppen; Europa Versicherung; Friends Provident Versicherung; Generali Versicherung; Gothaer Versicherung; Hallesche Krankenversicherung; Hannoversche Versicherung; Hanse Merkur Versicherung; Haftpflichtkasse Darmstadt; HDI Versicherung; Heidelberger Versicherung; Helvetia Versicherung; Hiscox Versicherung; Inter Versicherung; InterRisk Versicherung; Janitos Versicherung; KRAVAG Versicherung; LKH Versicherung; LV 1871 Versicherung; Mannheimer Krankenversicherung; Monuta Versicherung; Münchner Verein; Neue Leben; NRV Rechtschutz; Nürnberger Versicherung; NV-Versicherung; Policen Direkt; Prisma Life; Quantum Leben; Rhoin Versicherung, Roland Versicherung; R+V Versicherung; SDK Versicherung; Signal Iduna Versicherung; Standart Life; Skandia Versicherung; Stuttgarter Versicherung; Swiss Life; TK Krankenkasse; Union Krankenversicherung; Universa Versicherung; Versicherungskammer Bayern; VHV Versicherung; Volkswohl Bund; VPV - Vereinigte Post Versicherung; Waldenburger Versicherung; Württembergische Versicherung; Würzburger Versicherung;WWKVersicherung; ZurichVersicherung;