Transparency andcompliance.

Company name

JR CONSEIL — Société d'Ingénierie Financière

Legal form

French private limited company (S.A.R.L.)

Share capital

€150,000

Trade and Companies Register (RCS) number

Grasse B 399 497 395

Business activity code (APE)

6619B — Other auxiliary activities of financial services

Intra-Community VAT number

Provided on request

Registered office

2, cours Honoré Cresp — Le Panoramic « A » — 06130 Grasse, France

Director

Olivier Raso, managing director

Phone

04 93 36 77 33 · 06 84 09 54 20

Email

contact@jr-conseil.fr

Website

www.jr-conseil.fr

French Financial Markets Authority (AMF)

The AMF is the regulator of financial markets in France. It approves the CNCGP, the association of which JR CONSEIL is a member, and supervises the activity of Financial Investment Adviser (CIF).

• Address: 17, place de la Bourse — 75082 Paris Cedex 02, France
• Website: www.amf-france.org

French Prudential Supervision and Resolution Authority (ACPR)

The ACPR, attached to the Banque de France, supervises the insurance brokerage and banking intermediation activities carried out by JR CONSEIL.

• Address: 4, place de Budapest — CS 92459 — 75436 Paris Cedex 09, France
• Website: www.acpr.banque-france.fr

As a Financial Investment Adviser, JR CONSEIL is a member of the National Chamber of Wealth Management Advisers (CNCGP), an association approved by the French Financial Markets Authority (AMF).

Membership of the CNCGP requires JR CONSEIL to comply with a professional code of conduct, an annual review procedure and an ongoing duty of continuous training.

• Official website: www.cncgp.fr

Depending on the nature of the service and the solution put in place, JR CONSEIL may receive the following forms of remuneration:

• Advisory fees billed directly to the client, the amount of which is known and agreed before the service is provided;
• Commissions paid by partner institutions (insurance companies, asset management firms, banking institutions) for placement or intermediation, the details of which are disclosed to the client before any subscription;
• Management fee retrocessions received over the life of the contract, the method of calculation of which is set out in the contractual documentation given to the client.

In accordance with the provisions of the Insurance Distribution Directive (IDD) and the MiFID II directive, JR CONSEIL informs its clients, in writing and before any service is provided, of the full amount of remuneration received and of its potential impact on the net return of the proposed solution.

As a Financial Investment Adviser, JR CONSEIL has put in place a written policy for the prevention, identification and management of conflicts of interest, in accordance with the requirements of the AMF's General Regulation.

The firm has no capital ties with any banking institution, insurance company or distribution network. No business introducer is remunerated on the basis of the volume or nature of the products placed.

Where a situation could harm the client's interests, JR CONSEIL undertakes to inform the client clearly and in advance, and to propose a neutral alternative solution. Full details of the conflicts of interest management policy are available from the firm on request.

Lodging a complaint with JR CONSEIL

Any complaint may be sent free of charge to the firm by post or email. JR CONSEIL undertakes to acknowledge receipt within ten working days and to provide a reasoned response within two months at the latest, in accordance with the recommendations of the AMF and the ACPR.

• By post: JR CONSEIL — Complaints Department — 2, cours Honoré Cresp, Le Panoramic « A » — 06130 Grasse, France
• By email: contact@jr-conseil.fr

Referral to an independent mediator

In the event of a persistent disagreement after the firm's response — or in the absence of a response after the two-month period — the client may refer the matter, free of charge, to the mediator competent according to the nature of the dispute:

• AMF Mediator — for disputes relating to the activity of Financial Investment Adviser. Website: amf-france.org/le-mediateur
• Insurance Mediation (LMA) — for disputes relating to insurance intermediation. Website: www.mediation-assurance.org
• Competent consumer mediator — for disputes relating to banking transactions and payment services. Contact details provided on request.

JR CONSEIL collects and processes personal data strictly within the scope of its wealth advisory engagements and its regulatory obligations (anti-money laundering, tax and contractual obligations). Processing is based on the performance of the advisory mandate, compliance with legal obligations and, where applicable, the client's explicit consent.

Data collected is strictly necessary for the service and is never disclosed to third parties for commercial purposes. It may be shared with contractual partners (insurance companies, asset management firms, banking institutions) only to the extent useful for implementing the solutions taken out.

In accordance with the General Data Protection Regulation (GDPR) and the amended French Data Protection Act, every data subject has a right of access, rectification, erasure, objection, restriction and portability of their data.

These rights may be exercised at any time by contacting the firm:

• By email: contact@jr-conseil.fr
• By post: JR CONSEIL — Data Protection Officer — 2, cours Honoré Cresp, 06130 Grasse, France

In the event of disagreement, the data subject may lodge a complaint with the French Data Protection Authority (CNIL), www.cnil.fr.

JR CONSEIL is subject to the legal obligations relating to anti-money laundering and counter-terrorist financing (AML-CFT), as defined in Articles L.561-1 et seq. of the French Monetary and Financial Code.

As such, the firm operates a know-your-customer (KYC) procedure involving, in particular, verification of identity, understanding of the client's wealth situation, the source of funds, beneficial owners and the purpose of the business relationship. Constant vigilance is maintained throughout the contractual relationship.

The firm is required to file a suspicious activity report with TRACFIN (the French Ministry of Economy and Finance's financial intelligence unit) in the cases provided for by law, without being able to inform the client of this.

In accordance with the regulatory requirements applicable to its activities, JR CONSEIL holds a Professional Civil Liability insurance contract covering the financial consequences of damage caused to clients in the course of its engagements.

The cover amounts and the insurer's contact details are disclosed to the client before any contract is entered into, and are set out in the contractual documentation provided by the firm.

Website publisher

The website www.jr-conseil.fr is published by JR CONSEIL, full details of which are set out in section II of this document.

Publication director: Olivier Raso, managing director.

Hosting

The website is hosted by a professional provider, whose contact details are provided on request, by contacting the firm.

Intellectual property

All content on the website (text, trademarks, logo, visual identity, illustrations, photographs) is protected by copyright and trademark law. Any reproduction, representation, modification, publication or adaptation, in whole or in part, by any means whatsoever, is prohibited without the prior written permission of JR CONSEIL.

Cookies and trackers

The website uses only cookies strictly necessary for its proper functioning and, where applicable, anonymised audience measurement cookies. No advertising or profiling cookie is set without the user's prior consent.