Subject Title - INSETA

Before concluding the transaction 105Before concluding the transaction, and if a contract is concluded, the directmarketer must provide the client with certain information. If the informationwas provided orally, it must be confirmed within 30 days.The following information must be provided:1. Telephone contact details of the compliance department of theproduct supplier.2. To what extent the product is readily realisable or the fundsconcerned are accessible, where appropriate.3. Details of manner in which benefits will be paid.4. Any restrictions on or penalties for early termination or withdrawalfrom the product, or other effects, if any, of the termination orwithdrawal.5. Charges and fees to be levied against the product including theamount and frequency thereof and where the product has aninvestment component, the net investment amount ultimatelyinvested for the benefit of the client.6. Commission, consideration, fees, charges or brokerages payable tothe direct marketer by the client, or by the product supplier or by anyother person.7. On request, the past investment performance of the product, whereapplicable, over periods and at intervals which are reasonable withregard to the type of product involved.8. Consequences of non-compliance with monetary obligations assumedby the client and any anticipated or contractual escalations, increasesor additions.9. In the case of an insurance product in respect of which provision ismade for increase of premiums, abbreviated disclosures of suchcontractual increases.10. Concise details of any special terms and conditions, exclusions,waiting periods, loadings, penalties, excesses, restrictions orcircumstances in which benefits will not be provided.11. Any guaranteed minimum benefits or other guarantees whereappropriate.12. That recordings of telephone discussions (where applicable) will bemade available to the client on request.105 Section 15 (3) (a) to (l) of the General Code© INSETA - Section 1 12a 163