Beredningskedjan

Dir.SOUDsProp.Bet.Rskr.
  • ligger till grund för Prop. 2017/18:148 Kompletterande bestämmelser till EU:s förordning om penningm
  • ligger till grund för Prop. 2017/18:216 En ny lag om försäkringsdistribution

En ny lag om försäkringsdistribution

2017-06-02 · 562 sidor, varav 73 med tryckt sidnummer


Så kom texten hit

  • Källa: Sveriges riksdag — originalets PDF · riksdagens sida
  • Textkvalitet: Svag — ungefär 18,1 % av orden ser trasiga ut — läs mot PDF:en innan du citerar
  • Sidnummer: 73 av 562 sidor bär tryckt sidnummer ur källan; övriga visas utan nummer

Varje sida nedan har en egen länk «Kontrollera mot PDF» till originalet på just den sidan.

Citera

Ds 2017:17, En ny lag om försäkringsdistribution

Dokumentets text

opaginerad Kontrollera mot PDF

En ny lag

om försäkringsdistribution

Ds 2017:17

opaginerad En ny lag om försäkringsdistribution Kontrollera mot PDF

Ds 2017:17

En ny lag om försäkringsdistribution

Finansdepartementet

opaginerad En ny lag om försäkringsdistribution Kontrollera mot PDF

SOU och Ds kan köpas från Wolters Kluwers kundservice. Beställningsadress: Wolters Kluwers kundservice, 106 47 Stockholm Ordertelefon: 08-598 191 90

E-post: kundservice@wolterskluwer.se

Webbplats: wolterskluwer.se/offentligapublikationer

För remissutsändningar av SOU och Ds svarar Wolters Kluwer Sverige AB på uppdrag av Regeringskansliets förvaltningsavdelning.

Svara på remiss – hur och varför

Statsrådsberedningen, SB PM 2003:2 (reviderad 2009-05-02).

En kort handledning för dem som ska svara på remiss.

Häftet är gratis och kan laddas ner som pdf från eller beställas på regeringen.se/remisser

Omslag: Regeringskansliets standard

Tryck: Elanders Sverige AB, Stockholm 2017

ISBN 978-91-38-24611-5

ISSN 0284-6012

opaginerad ,QQHKnOOVI|UWHFNQLQJ Kontrollera mot PDF

,QQHKnOOVI|UWHFNQLQJ

3URPHPRULDQVKXYXGVDNOLJDLQQHKnOO

/DJI|UVODJ

)|UVODJWLOOODJRPI|UVlNULQJVGLVWULEXWLRQ

)|UVODJWLOOODJRPlQGULQJLODJHQRP

XWOlQGVNDILOLDOHUPP

)|UVODJWLOOODJRPlQGULQJLODJHQRP

YDOXWDYl[OLQJRFKDQQDQILQDQVLHOOYHUNVDPKHW

)|UVODJWLOOODJRPlQGULQJLODJHQRP

EHODVWQLQJVUHJLVWHU

)|UVODJWLOOODJRPlQGULQJLODJHQRP

ILQDQVLHOOUnGJLYQLQJWLOONRQVXPHQWHU

)|UVODJWLOOODJRPlQGULQJLODJHQRP

YlUGHSDSSHUVIRQGHU

)|UVODJWLOOODJRPlQGULQJLODJHQRP

lQGULQJLODJHQRPYlUGHSDSSHUVIRQGHU

)|UVODJWLOOODJRPlQGULQJLODJHQRP

YlUGHSDSSHUVPDUNQDGHQ

)|UVODJWLOOODJRPlQGULQJLPDUNQDGVI|ULQJVODJHQ

)|UVODJWLOOODJRPlQGULQJLRIIHQWOLJKHWVRFK

VHNUHWHVVODJHQ

)|UVODJWLOOODJRPlQGULQJLODJHQRP

I|UYDOWDUHDYDOWHUQDWLYDLQYHVWHULQJVIRQGHU

)|UVODJWLOOODJRPlQGULQJLODJHQRP

lQGULQJLODJHQRPI|UYDOWDUHDY

DOWHUQDWLYDLQYHVWHULQJVIRQGHU

)|UVODJWLOOODJRPlQGULQJLODJHQRP

lQGULQJLODJHQRPI|UYDOWDUHDY

DOWHUQDWLYDLQYHVWHULQJVIRQGHU

)|UVODJWLOOODJRPlQGULQJLODJHQRP

lQGULQJLODJHQRPI|UYDOWDUHDY

DOWHUQDWLYDLQYHVWHULQJVIRQGHU

)|UVODJWLOOODJRPlQGULQJLODJHQRPHQ

GDWDEDVI|U|YHUYDNQLQJDYRFKWLOOV\Q|YHU

ILQDQVPDUNQDGHUQD

)|UVODJWLOOODJRPlQGULQJLODJHQRP

nWJlUGHUPRWSHQQLQJWYlWWRFKILQDQVLHULQJDY

WHUURULVP

bUHQGHW

%DNJUXQG

.RUWKLVWRULN

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

)UnQI|UVlNULQJVI|UPHGOLQJVGLUHNWLYHWWLOO

I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

8WUHGQLQJDURFKUDSSRUWHU

.RUWRPEHKRYHWDYHQOLNDUWDGUHJOHULQJDY

ILQDQVLHOOUnGJLYQLQJ

opaginerad ,QQHKnOOVI|UWHFNQLQJ Kontrollera mot PDF

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHWLI|UKnOODQGHWLOO

UnGJLYQLQJVODJHQ

.RUWPDUNQDGVEHVNULYQLQJ

$OOPlQQDXWJnQJVSXQNWHU

,QOHGQLQJ

(WWVDPODWJHQRPI|UDQGHDY

I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHWLHQQ\ODJ

9DOYLGJHQRPI|UDQGHWDY

I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

0|MOLJKHWHQDWWLQI|UDVWUlQJDUHUHJOHUlQGHPL

GLUHNWLYHWE|UDQYlQGDVLYLVVDIDOO

)|OMGlQGULQJDULDQGUDODJDU

7LOOlPSQLQJVRPUnGH

,QOHGQLQJ

$OOPlQWRPWLOOlPSQLQJVRPUnGHW

*lOODQGHUlWW

7LOOlPSQLQJVRPUnGHI|UUHJHOYHUNHWI|U

I|UVlNULQJVGLVWULEXWLRQ

)|UKnOODQGHWPHOODQWLOOlPSQLQJVRPUnGHWI|U

I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHWRFKODJHQRP

YlUGHSDSSHUVPDUNQDGHQ

%DNJUXQG

.ODUJ|UDQGHLJUlQVGUDJQLQJVIUnJDQ

)|UVlNULQJVI|UPHGODUHRFKI|UVlNULQJVI|UHWDJVRP

WLOOKDQGDKnOOHULQYHVWHULQJVWMlQVWHU

,QOHGQLQJ

*lOODQGHUlWW

7LGLJDUHI|UVODJ

7LOOlPSOLJDUHJOHUQlU

I|UVlNULQJVI|UPHGODUHRFK

I|UVlNULQJVI|UHWDJWLOOKDQGDKnOOHU

LQYHVWHULQJVWMlQVWHU

7LOOVWnQGRFKUHJLVWUHULQJ )|UVlNULQJVI|UPHGOLQJ 7LOOVWnQGVRFKUHJLVWUHULQJVSOLNW

9LONDE|URPIDWWDVDYWLOOVWnQGVRFK UHJLVWUHULQJVSOLNWHQ"

%HK|ULJDP\QGLJKHWHUI|U WLOOVWnQGVJLYQLQJRFKUHJLVWUHULQJ

6LGRYHUNVDPPDI|UVlNULQJVI|UPHGODUH (QVlUVNLOGRUGQLQJI|UUHJLVWUHULQJDY

DQNQXWQDI|UVlNULQJVI|UPHGODUHRFK

DQNQXWQDVLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH

$QNQXWQDVLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH

$QNQXWQDI|UVlNULQJVI|UPHGODUH

opaginerad ,QQHKnOOVI|UWHFNQLQJ Kontrollera mot PDF

%|UWLOOVWnQGHWNXQQDEHJUlQVDVWLOOYLVVD

VODJDYI|UVlNULQJRFKYLVVD

I|UVlNULQJVNODVVHU" )|UXWVlWWQLQJDUI|UWLOOVWnQG ,QOHGQLQJ .XQVNDSRFKNRPSHWHQV 9LVVD|YULJDI|UXWVlWWQLQJDUI|UWLOOVWnQG (QXW|NDGOlPSOLJKHWVSU|YQLQJ bJDURFKOHGQLQJVSU|YQLQJPP

6YnU|YHUVNnGOLJDI|UHWDJVJUXSSHUInULQWH I|UKLQGUDHQHIIHNWLYWLOOV\Q

$QVYDUVI|UVlNULQJ 9HUNVDPKHWPHGVLGRWLOOVWnQG ,QYHVWHULQJVUnGJLYQLQJPHGVLGRWLOOVWnQG

6NDLQYHVWHULQJVUnGJLYQLQJRP SUHPLHSHQVLRQPHGVLGRWLOOVWnQGYDUD WLOOnWHQ"

9HUNVDPKHW|YHUJUlQVHUQD ,QOHGQLQJ 8WOlQGVNDI|UVlNULQJVI|UPHGODUHVYHUNVDPKHWL

6YHULJH )|UVlNULQJVI|UPHGODUHYDUVKHPODQGK|U

WLOO((6 gYULJDXWOlQGVNDI|UVlNULQJVI|UPHGODUH

6YHQVNDI|UVlNULQJVI|UPHGODUHVYHUNVDPKHW XWRPODQGV

5HJOHUI|UYHUNVDPKHWHQ *UXQGOlJJDQGHNUDYYLGI|UVlNULQJVGLVWULEXWLRQ 9LOONRUI|UUnGJLYQLQJSnJUXQGYDODYHQRSDUWLVN

RFKSHUVRQOLJDQDO\V

(UVlWWQLQJDUWLOORFKIUnQWUHGMHSDUWYLGDOOIRUPDY

I|UVlNULQJVGLVWULEXWLRQ

)|UEXGPRWYLVVPDUNQDGVI|ULQJ

(UVlWWQLQJVV\VWHP

5XWLQHURFKULNWOLQMHUI|ULQWHUQNRQWUROODYNXQVNDS

RFKNRPSHWHQVPP

3URGXNWJRGNlQQDQGH

3URGXNWLQIRUPDWLRQRFKSURGXNWNlQQHGRP

.RUVI|UVlOMQLQJRFKNRSSOLQJVI|UEHKnOO

gYULJDUHJOHUI|UYHUNVDPKHWHQ

,QIRUPDWLRQVNUDYRFKXSSI|UDQGHUHJOHU ,QOHGQLQJ $OOPlQW .RUWRP|YHUODSSDQGHLQIRUPDWLRQVNUDY

$OOPlQLQIRUPDWLRQWLOONXQGHQ ,QIRUPDWLRQRPLQWUHVVHNRQIOLNWHU %DNJUXQG ,QIRUPDWLRQRPlJDUI|UKnOODQGHQPP

,QIRUPDWLRQRPSULVRFKHUVlWWQLQJDU

opaginerad ,QQHKnOOVI|UWHFNQLQJ Kontrollera mot PDF

,QIRUPDWLRQ YLG I|UQ\HOVH RFK lQGULQJ DY

I|UVlNULQJVDYWDOHW

9LVVD LQIRUPDWLRQVNUDY RFK XSSI|UDQGHUHJOHU YLG

UnGJLYQLQJ RFK YLG I|UVlOMQLQJ XWDQ UnGJLYQLQJ

%DNJUXQG

$OOPlQ VN\OGLJKHW DWW NODUJ|UD NXQGHQV

NUDY RFK EHKRY VDPW NUDY Sn DQSDVVDG

SURGXNWLQIRUPDWLRQ

.UDY Sn SHUVRQOLJ UHNRPPHQGDWLRQ YLG

UnGJLYQLQJ

)RUPHU I|U LQIRUPDWLRQHQ

$OOPlQQD NUDY Sn LQIRUPDWLRQHQV

XWIRUPQLQJ

0HU VSHFLILND IRUPNUDY

6lUVNLOW IRUPNUDY YLG GLVWULEXWLRQ DY VNDGHI|UVlNULQJ

6lUVNLOW LQIRUPDWLRQVNUDY YLG DQVOXWQLQJ WLOO

REOLJDWRULVN WMlQVWHSHQVLRQVI|UVlNULQJVSODQ RFK NUDY

L I|UKnOODQGH WLOO DQGUD NROOHNWLYD I|UVlNULQJDU

6lUVNLOW LQIRUPDWLRQVNUDY YLG DQVOXWQLQJ

WLOO REOLJDWRULVN

WMlQVWHSHQVLRQVI|UVlNULQJVSODQ

.RUW RP

I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHWV NUDY L

I|UKnOODQGH WLOO NROOHNWLYD I|UVlNULQJDU

6lUVNLOGD LQIRUPDWLRQVNUDY YLG NRUVI|UVlOMQLQJ

6N\OGLJKHW DWW YLGDUHEHIRUGUD LQIRUPDWLRQ

'RNXPHQWDWLRQVVN\OGLJKHW

8QGDQWDJ IUnQ LQIRUPDWLRQVSOLNWHQ

3nI|OMG YLG XWHEOLYHQ LQIRUPDWLRQ

<WWHUOLJDUH NUDY YLG GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU RFK YLVVD SHQVLRQVI|UVlNULQJDU

,QOHGQLQJ

.UDY YLG GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU

)|UHE\JJDQGH LGHQWLILHULQJ RFK KDQWHULQJ DY LQWUHVVHNRQIOLNWHU

)|UHE\JJDQGH DY LQWUHVVHNRQIOLNWHU ,GHQWLILHULQJ RFK KDQWHULQJ DY

LQWUHVVHNRQIOLNWHU

,QIRUPDWLRQ WLOO NXQGHU RP I|UVlNULQJVGLVWULEXWLRQHQ RFK GH I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHUQD

%HJUlQVQLQJDU RFK I|UEXG DYVHHQGH HUVlWWQLQJDU WLOO HOOHU IUnQ WUHGMHSDUW

%HJUlQVQLQJDU DYVHHQGH WUHGMHSDUWVHUVlWWQLQJDU

)|UEXG PRW YLVVD WUHGMHSDUWVHUVlWWQLQJDU %HG|PQLQJ DY OlPSOLJKHW RFK lQGDPnOVHQOLJKHW RFK

UDSSRUWHULQJ WLOO NXQGHU

/lPSOLJKHWVEHG|PQLQJ YLG UnGJLYQLQJ

opaginerad ,QQHKnOOVI|UWHFNQLQJ Kontrollera mot PDF

3DVVDQGHEHG|PQLQJYLGDQQDQ

I|UVlNULQJVGLVWULEXWLRQlQUnGJLYQLQJ

8QGDQWDJIUnQSDVVDQGHEHG|PQLQJYLG

DQQDQI|UVlNULQJVGLVWULEXWLRQlQ

UnGJLYQLQJ

'RNXPHQWDWLRQRFKUDSSRUWHULQJWLOO

NXQGHU

5HJOHUVRPlUGLVSRVLWLYDYLG

I|UVlNULQJVGLVWULEXWLRQWLOOSURIHVVLRQHOOD

NXQGHU

.UDYYLGGLVWULEXWLRQDY

SHQVLRQVI|UVlNULQJDUVRPlUH[SRQHUDGH

PRWPDUNQDGVYRODWLOLWHW <WWHUOLJDUHEHVWlPPHOVHULI|UHVNULIWHUSn

OlJUHQLYnlQODJ

7LOOV\QRFKLQJULSDQGHQ 7LOOV\Q

%HK|ULJP\QGLJKHWRFK UHJLVWUHULQJVP\QGLJKHW

7LOOV\QHQ|YHUI|UVlNULQJVGLVWULEXW|UHU gYHUHQVNRPPHOVHRP|YHUI|ULQJDY

WLOOV\QVDQVYDU 8SSO\VQLQJVVN\OGLJKHWI|UVHQLQJVDYJLIW

RFKP|MOLJKHWDWWJHQRPI|UD XQGHUV|NQLQJDU

8W|NDGVDPDUEHWVVN\OGLJKHWI|U )LQDQVLQVSHNWLRQHQ

5DSSRUWHULQJRPPLVVI|UKnOODQGHQ 6HNUHWHVVI|UYLVVDXSSJLIWHU )|URUGQDQGHDYUHYLVRUYLGUHYLVLRQDY

I|UVlNULQJVI|UPHGODUH $YJLIWHU

,QJULSDQGHPRWI|UVlNULQJVGLVWULEXW|UHURFKYLVVD I\VLVNDSHUVRQHU ,QOHGQLQJ $GPLQLVWUDWLYDVDQNWLRQHUHOOHU

VWUDIIUlWWVOLJDSnI|OMGHU ,QJULSDQGHJHQRPI|UHOlJJDQGHI|UEXG

DWWYHUNVWlOODEHVOXWDQPlUNQLQJ

nWHUNDOOHOVHDYWLOOVWnQGI|UYHUNDQGHDY NRQFHVVLRQHOOHUYDUQLQJ

,QJULSDQGHPRWVYHQVND I|UVlNULQJVI|UPHGODUHVRPEHGULYHU I|UVlNULQJVGLVWULEXWLRQLHWWDQQDWODQG LQRP((6

,QJULSDQGHQPRWI|UVlNULQJVI|UPHGODUHL VlUVNLOGDIDOOPP

,QJULSDQGHQYLGYLVVDEULVWHUKRV OHGQLQJHQLMXULGLVNDSHUVRQHU

6DQNWLRQVDYJLIWHUPRWMXULGLVNDSHUVRQHU

opaginerad ,QQHKnOOVI|UWHFNQLQJ Kontrollera mot PDF

6DQNWLRQVDYJLIWPRW

I|UVlNULQJVGLVWULEXW|UHUVRPlUI\VLVND

SHUVRQHU

,QJULSDQGHPRWI\VLVNDSHUVRQHUL

I|UVlNULQJVGLVWULEXW|UHUVOHGQLQJ

2PVWlQGLJKHWHUVRPVNDYDUDVW\UDQGH

YLGEHVOXWRPVDQNWLRQHU

6DQNWLRQVI|UHOlJJDQGH

9HUNVWlOOLJKHWDYEHVOXWRP

VDQNWLRQVDYJLIWHOOHUI|UVHQLQJVDYJLIW

)|UHOlJJDQGHPRWI|UVlNULQJVGLVWULEXW|UHU

VRPDQYlQGHUVLJDYI|UPHGODUHVRP

VDNQDUWLOOVWnQGHOOHUUHJLVWUHULQJ

,QJULSDQGHPRW((6

I|UVlNULQJVI|UPHGODUH

,QJULSDQGHQYLGHQ|YHUHQVNRPPHOVHRP

|YHUI|ULQJDYWLOOV\QVDQVYDU

,QJULSDQGHPRWI|UVlNULQJVI|UPHGODUH

IUnQWUHGMHODQG

,QJULSDQGHPRWGHQVRPVDNQDUWLOOVWnQG

HOOHUUHJLVWUHULQJ

9LWH

2IIHQWOLJJ|UDQGHDYEHVOXW

8W|NDGXQGHUUlWWHOVHVN\OGLJKHWWLOO(LRSD

gYHUNODJDQGH

)RQGERODJRFK$,)I|UYDOWDUH ,QOHGQLQJ 5nGJLYQLQJRPDQGHODULIRQGHULQRP

IRQGYHUNVDPKHWWLOONXQGHU

7LOOKDQGDKnOODQGHDYLQIRUPDWLRQRPNODJRPnOHQOLJWGHQ GHOHJHUDGHI|URUGQLQJHQWLOO0L),',, ,QOHGQLQJ %HP\QGLJDQGHDWWPHGGHODI|UHVNULIWHU

,NUDIWWUlGDQGHRFK|YHUJnQJVEHVWlPPHOVHU ,NUDIWWUlGDQGH gYHUJnQJVEHVWlPPHOVHUI|UI|UVlNULQJVI|UPHGOLQJ gYHUJnQJVEHVWlPPHOVHUI|UDQNQXWQD

I|UVlNULQJVI|UPHGODUH gYHUJnQJVEHVWlPPHOVHUI|UYHUNVDPKHWPHG

VLGRWLOOVWnQG gYHUJnQJVEHVWlPPHOVHI|UNUDYSnNXQVNDSRFK

NRPSHWHQV gYHUJnQJVEHVWlPPHOVHI|UWLGLJDUHLQJnQJQDDYWDO gYHUJnQJVEHVWlPPHOVHUI|ULQJULSDQGHQRFK

|YHUNODJDQGHQ gYHUJnQJVEHVWlPPHOVHRPWLOOlPSQLQJLI|UKnOODQGH

WLOOYLVVDOlQGHULQRP((6

)|UVODJHQVNRQVHNYHQVHU

opaginerad ,QQHKnOOVI|UWHFNQLQJ Kontrollera mot PDF

,QOHGQLQJ (QQ\ODJRPI|UVlNULQJVGLVWULEXWLRQ 3UREOHPRFKPnOPHGUHJOHULQJHQ $OWHUQDWLYDO|VQLQJDU

9LONDEHU|UVDYUHJOHULQJHQ" %HU|UGDI|UHWDJ )|UVlNULQJVI|UHWDJ )|UVlNULQJVI|UPHGODUH 0DUNQDGHQI|UILQDQVLHOODLQVWUXPHQW

%HU|UGDP\QGLJKHWHU (NRQRPLVNDNRQVHNYHQVHUI|UP\QGLJKHWHU )LQDQVLQVSHNWLRQHQ %RODJVYHUNHW .RQVXPHQWYHUNHW 3HQVLRQVP\QGLJKHWHQ 3ROLVP\QGLJKHWHQ 6YHULJHV'RPVWRODU

(NRQRPLVNDNRQVHNYHQVHUI|UEHU|UGDI|UHWDJ (NRQRPLVNDNRQVHNYHQVHUI|U

I|UVlNULQJVGLVWULEXW|UHU (NRQRPLVNDNRQVHNYHQVHUI|UIRQGERODJ

$,)I|UYDOWDUHRFKI|UYDOWQLQJVERODJ .RQVHNYHQVHUI|UNXQGHU

7LGVnWJnQJRFKI|UHWDJHQVDGPLQLVWUDWLYD NRVWQDGHU

$QGUDNRVWQDGHURFKI|UlQGULQJDUWLOO I|OMGDYUHJOHULQJHQ

.RQVHNYHQVHUI|USnJnHQGHDQVWlOOQLQJV HOOHUXSSGUDJVI|UKnOODQGHQ

3nYHUNDQSnNRQNXUUHQVI|UKnOODQGHQ 6lUVNLOGDKlQV\QWLOOVPnI|UHWDJ 6YHULJHVPHGOHPVNDSL(XURSHLVND

XQLRQHQ .RQVHNYHQVHUDYI|UVODJHQLDYVQLWW .RQVHNYHQVHUDYI|UVODJHQLDYVQLWW .RVWQDGHQI|UO|SDQGHUDSSRUWHULQJ .RQVHNYHQVHUI|UI|UHWDJHQ .RQVHNYHQVHUI|U)LQDQVLQVSHNWLRQHQ

)|UIDWWQLQJVNRPPHQWDU )|UVODJHWWLOOODJRP

I|UVlNULQJVGLVWULEXWLRQ )|UVODJHWWLOOODJRPlQGULQJLODJHQRP

XWOlQGVNDILOLDOHUPP )|UVODJHWWLOOODJRPlQGULQJLODJHQRP

YDOXWDYl[OLQJRFKDQQDQILQDQVLHOOYHUNVDPKHW )|UVODJHWWLOOODJRPlQGULQJLODJHQRP

EHODVWQLQJVUHJLVWHU )|UVODJHWWLOOODJRPlQGULQJLODJHQRP

ILQDQVLHOOUnGJLYQLQJWLOONRQVXPHQWHU

s. 5 ,QQHKnOOVI|UWHFNQLQJ Kontrollera mot PDF

)|UVODJHWWLOOODJRPlQGULQJLODJHQRP

YlUGHSDSSHUVIRQGHU

)|UVODJHWWLOOODJRPlQGULQJLODJHQRP

lQGULQJLODJHQRPYlUGHSDSSHUVIRQGHU

)|UVODJHWWLOOODJRPlQGULQJLODJHQRP

YlUGHSDSSHUVPDUNQDGHQ

)|UVODJHWWLOOODJRPlQGULQJLPDUNQDGVI|ULQJVODJHQ

)|UVODJHWWLOOODJRPlQGULQJLRIIHQWOLJKHWVRFK

VHNUHWHVVODJHQ

)|UVODJHWWLOOODJRPlQGULQJLODJHQRP

I|UYDOWDUHDYDOWHUQDWLYDLQYHVWHULQJVIRQGHU

)|UVODJHWWLOOODJRPlQGULQJLODJHQRP

lQGULQJLODJHQRPI|UYDOWDUHDY

DOWHUQDWLYDLQYHVWHULQJVIRQGHU

)|UVODJHWWLOOODJRPlQGULQJLODJHQRP

HQGDWDEDVI|U|YHUYDNQLQJDYRFKWLOOV\Q|YHU

ILQDQVPDUNQDGHUQD

)|UVODJHWWLOOODJRPlQGULQJLODJHQRP

nWJlUGHUPRWSHQQLQJWYlWWRFKILQDQVLHULQJDY

WHUURULVP

%LODJD

(XURSDSDUODPHQWHWVRFKUnGHWVGLUHNWLY(8

DYGHQMDQXDULRP

I|UVlNULQJVGLVWULEXWLRQRPDUEHWQLQJ

%LODJD

+XYXGVDNOLJWLQQHKnOOLSURPHPRULDQ

6WlUNWNRQVXPHQWVN\GGYLGI|UVlNULQJVI|UPHGOLQJ

'V

%LODJD

/DJI|UVODJLSURPHPRULDQ6WlUNWNRQVXPHQWVN\GG

YLGI|UVlNULQJVI|UPHGOLQJ'V

%LODJD

5HPLVVLQVWDQVHUEHWUlIIDQGHSURPHPRULDQ

6WlUNWNRQVXPHQWVN\GGYLGI|UVlNULQJVI|UPHGOLQJ

'V

%LODJD

6DPPDQIDWWQLQJLEHWlQNDQGHW

9lUGHSDSSHUVPDUNQDGHQ0L),',,RFK0L),5628

%LODJD

/DJI|UVODJLEHWlQNDQGHW9lUGHSDSSHUVPDUNQDGHQ

0L),',,RFK0L),5628

%LODJD

5HPLVVLQVWDQVHUEHWUlIIDQGHEHWlQNDQGHW0L),',,

RFK0L),5628

s. 6 3URPHPRULDQV KXYXGVDNOLJD LQQHKnOO Kontrollera mot PDF

3URPHPRULDQV KXYXGVDNOLJD LQQHKnOO

, 6YHULJH ILQQV UHJOHULQJHQ RP GLVWULEXWLRQ DY I|UVlNULQJ L I|UVWD KDQG L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ 7LOOlPSQLQJVRPUnGHW I|U ODJHQ lU L KXYXGVDN I|UVlNULQJVI|UPHGODUHV I|UPHGOLQJ DY I|UVlNULQJV DYWDO /DJHQ JHQRPI|U (XURSDSDUODPHQWHWV RFK UnGHWV GLUHNWLY (* DY GHQ GHFHPEHU RP I|UVlNULQJVI|UPHGOLQJ L VYHQVN UlWW

0HG DQOHGQLQJ DY JHQRPI|UDQGHW L VYHQVN UlWW DY (XURSDSDUODPHQWHWV RFK UnGHWV GLUHNWLY (8 DY GHQ MDQXDUL RP I|UVlNULQJV GLVWULEXWLRQ OlPQDV L SURPHPRULDQ I|UVODJ WLOO HQ Q\ ODJ RP I|UVlNULQJV GLVWULEXWLRQ VRP HUVlWWHU ODJHQ RP I|UVlNULQJVI|UPHGOLQJ 'HQ I|UHVODJQD ODJHQ LQQHKnOOHU QlULQJVUlWWVOLJD RFK FLYLOUlWWVOLJD UHJOHU VRP lU WLOOlPSOLJD Sn I|UVlNULQJVGLVWULEXW|UHUV I|UVlNULQJVGLVWULEXWLRQ GYV YDUMH I|UVlNULQJVI|UPHGODUH I|UVlNULQJVI|UPHGODUH VRP EHGULYHU I|UPHGOLQJ VRP VLGRYHUNVDPKHW HOOHU I|UVlNULQJVI|UHWDJ QlU GH GLVWUL EXHUDU I|UVlNULQJDU

'HW Q\D I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW lU HWW V N PLQLPLKDUPRQL VHULQJVGLUHNWLY VRP PHGJHU DWW PHGOHPVVWDWHUQD LQI|U NUDY VRP JnU XW|YHU GLUHNWLYHWV , SURPHPRULDQ OlPQDV I|UVODJ Sn NUDY XW|YHU GLUHNWLYHWV VRP PRWLYHUDV XWLIUnQ VSHFLILND SUREOHP RFK EHKRY Sn GHQ VYHQVND PDUNQDGHQ 'lUWLOO OlPQDV I|UVODJ WLOO I|OMGlQGULQJDU L DQGUD ODJDU RFK YLVVD |YHUJnQJVUHJOHU

'HQ Q\D ODJHQ RFK ODJlQGULQJDUQD I|UHVOnV WUlGD L NUDIW GHQ IHEUXDUL

, SURPHPRULDQ OlPQDV RFNVn I|UVODJ WLOO Q\D NUDY DYVHHQGH UnGJLYQLQJ RP DQGHODU L IRQGHU LQRP IRQGYHUNVDPKHW WLOO NXQGHU RFK VDPW I|UVODJ Sn EHP\QGLJDQGH WLOO UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU DWW PHGGHOD I|UHVNULIWHU RP WLOOKDQGDKnOODQGHW DY LQIRUPDWLRQ RP NODJRPnO HQOLJW GHQ GHOHJHUDGH I|URUGQLQJHQ WLOO (XURSDSDUODPHQWHWV RFK UnGHWV GLUHNWLY (8 DY GHQ PDM RP PDUNQDGHU I|U ILQDQVLHOOD LQVWUXPHQW RFK RP lQGULQJ DY GLUHNWLY (* RFK DY GLUHNWLY (8 I|UNRUWDW 0L),' ,,

s. 7 /DJI|UVODJ Kontrollera mot PDF

/DJI|UVODJ

)|UVODJ WLOO ODJ RP I|UVlNULQJVGLVWULEXWLRQ

+lULJHQRP I|UHVNULYV I|OMDQGH

NDS 7LOOlPSQLQJVRPUnGH RFK GHILQLWLRQHU

/DJHQV WLOOlPSQLQJVRPUnGH

† 'HQQD ODJ LQQHKnOOHU EHVWlPPHOVHU RP I|UVlNULQJVGLVWULEXWLRQ

, GHQQD ODJ ILQQV RFNVn EHVWlPPHOVHU RP I|UVlNULQJVGLVWULEXW|UHUV EHGULYDQGH DY LQYHVWHULQJVWMlQVWHU VRP JlOOHU I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU HOOHU SHQVLRQVI|UVlNULQJDU VRP RPIDWWDV DY NDS †

0HG I|UVlNULQJVGLVWULEXWLRQ DYVHV YHUNVDPKHW VRP EHVWnU L DWW

JH UnG RP HOOHU I|UHVOn I|UVlNULQJVDYWDO HOOHU XWI|UD DQQDW I|UEHUHG DQGH DUEHWH LQQDQ I|UVlNULQJVDYWDO LQJnV

I|U QnJRQ DQQDQV UlNQLQJ LQJn I|UVlNULQJVDYWDO HOOHU ELVWn YLG I|UYDOWQLQJ RFK IXOOJ|UDQGH DY I|UVlNULQJVDYWDO

† 6RP I|UVlNULQJVGLVWULEXWLRQ VND LQWH DQVHV YHUNVDPKHW VRP EDUD EHVWnU L DWW

KlQYLVD QnJRQ WLOO HWW I|UVlNULQJVI|UHWDJ HQ I|UVlNULQJVI|UPHGODUH HOOHU HQ SUHVXPWLY NXQG

OlPQD DOOPlQ LQIRUPDWLRQ RP I|UVlNULQJ WLOO QnJRQ

LQRP UDPHQ I|U HQ DQQDQ \UNHVYHUNVDPKHW L HQVWDND IDOO OlPQD LQIRUPDWLRQ HOOHU JH UnG RP I|UVlNULQJ WLOO QnJRQ HOOHU

\UNHVPlVVLJW KDQGOlJJD YlUGHUD HOOHU UHJOHUD I|UVlNULQJVIDOO

6RP I|UVlNULQJVGLVWULEXWLRQ VND LQWH KHOOHU DQVHV YHUNVDPKHW VRP DYVHV L NDS † ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ VRP JlOOHU I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU HOOHU SHQVLRQVI|U VlNULQJDU VRP RPIDWWDV DY NDS † L GHQQD ODJ

(WW I|UVlNULQJVI|UHWDJ VRP EHGULYHU LQYHVWHULQJVUnGJLYQLQJ HOOHU SRUWI|OMI|UYDOWQLQJ HQOLJW DQGUD VW\FNHW VND I|U GHQ YHUNVDPKHWHQ WLOOlPSD EHVWlPPHOVHUQD L NDS RFK ± †† RFK NDS ± ± ± RFK ± †† ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ

† %HVWlPPHOVHUQD RP I|UVlNULQJVGLVWULEXWLRQ L GHQQD ODJ JlOOHU lYHQ YLG GLVWULEXWLRQ DY nWHUI|UVlNULQJ RP LQWH DQQDW DQJHV

† %HVWlPPHOVHUQD RP I|UVlNULQJVI|UPHGODUH L GHQQD ODJ JlOOHU lYHQ DQNQXWHQ I|UVlNULQJVI|UPHGODUH RFK VLGRYHUNVDP I|UVlNULQJVI|UPHGODUH RP LQWH DQQDW DQJHV

(XURSDSDUODPHQWHWV RFK UnGHWV GLUHNWLY (8 (8 DY GHQ MDQXDUL RP I|UVlNULQJVGLVWULEXWLRQ L GHQ XUVSUXQJOLJD O\GHOVHQ

opaginerad 8QGDQWDJ IUnQ ODJHQV WLOOlPSQLQJVRPUnGH Kontrollera mot PDF

† %HVWlPPHOVHUQD L GHQQD ODJ JlOOHU lYHQ QlU HQ I|UVlNULQJV I|UPHGODUH XW|YDU VnGDQ VLGRYHUNVDPKHW VRP DYVHV L NDS † I|UVWD VW\FNHW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ RP LQWH DQQDW DQJHV

† )|U XWOlQGVND I|UVlNULQJVGLVWULEXW|UHUV YHUNVDPKHW L 6YHULJH JlOOHU EHVWlPPHOVHUQD L GHQQD ODJ L WLOOlPSOLJD GHODU )|U ILOLDOHU WLOO XWOlQGVND I|UVlNULQJVI|UPHGODUH JlOOHU L |YULJW ODJHQ RP XWOlQGVND ILOLDOHU P P

8QGDQWDJ IUnQ ODJHQV WLOOlPSQLQJVRPUnGH

† /DJHQ VND LQWH WLOOlPSDV Sn VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUHV I|UVlNULQJVGLVWULEXWLRQ RP

GHQ GLVWULEXHUDGH I|UVlNULQJHQ NRPSOHWWHUDU HQ YDUD HOOHU WMlQVW RFK I|UVlNULQJHQ WlFNHU ULVNHQ I|U

D I|UOXVW DY YDUD IXQNWLRQVIHO L HOOHU VNDGD Sn YDUDQ E DWW WMlQVWHQ LQWH NXQQDW XWQ\WWMDV HOOHU

F VNDGD Sn HOOHU I|UOXVW DY EDJDJH RFK DQGUD ULVNHU L VDPEDQG PHG UHVD RFK

GHQ nUOLJD SUHPLHQ I|U GHQ GLVWULEXHUDGH I|UVlNULQJHQ LQWH |YHUVWLJHU HWW YlUGH PRWVYDUDQGH HXUR EHUlNQDW SURSRUWLRQHOOW Sn nUVEDVLV HOOHU SUHPLHQ I|U GHQ GLVWULEXHUDGH I|UVlNULQJHQ LQWH |YHUVWLJHU HWW YlUGH PRWVYDUDQGH HXUR SHU SHUVRQ L GH IDOO I|UVlNULQJHQ NRPSOHWWHUDU HQ

WMlQVW RFK GHQ WMlQVWHQV YDUDNWLJKHW LQWH lU OlQJUH lQ WUH PnQDGHU

† )|UVlNULQJVI|UPHGODUH RFK I|UVlNULQJVI|UHWDJ VND QlU GLVWULEXWLRQHQ VNHU YLD HQ VLGRYHUNVDP I|UVlNULQJVI|UPHGODUH VRP XQGDQWDJLWV IUnQ WLOOlPSQLQJHQ DY GHQQD ODJ HQOLJW † VlNHUVWlOOD DWW

LQIRUPDWLRQ WLOOKDQGDKnOOV NXQGHQ LQQDQ I|UVlNULQJVDYWDOHW LQJnV PHG XSSJLIWHU RP I|UVlNULQJVI|UPHGODUHQV HOOHU I|UVlNULQJVI|UHWDJHWV LGHQWLWHW RFK DGUHVV RFK RP GH I|UIDUDQGHQ VRP DYVHV L NDS † RFK VRP J|U GHW P|MOLJW I|U NXQGHU RFK DQGUD EHU|UGD SDUWHU DWW DQPlOD NODJRPnO

GHW LQI|UWV lQGDPnOVHQOLJD RFK SURSRUWLRQHUOLJD V\VWHP VRP lU I|UHQOLJD PHG NDS †† I|UVWD VW\FNHW RFK †† VDPW NDS RFK †† RFK VRP EHDNWDU NXQGHQV NUDY RFK EHKRY LQQDQ DYWDOV I|UVODJHW OlJJV IUDP RFK

GHW I|UVlNULQJVSURGXNWIDNWDEODG VRP DYVHV L NDS † OlPQDV WLOO NXQGHQ LQQDQ I|UVlNULQJVDYWDOHW LQJnV

$YWDOVYLOONRU VRP DYYLNHU IUnQ ODJHQ

† $YWDOVYLOONRU VRP DYYLNHU IUnQ EHVWlPPHOVHUQD L NDS RFK †† GHQQD ODJ InU LQWH nEHURSDV PRW NXQGHQ HOOHU QnJRQ VRP KlUOHGHU VLQ UlWW IUnQ NXQGHQ L DQQDW IDOO lQ QlU GLVWULEXWLRQHQ DYVHU nWHUI|UVlNULQJ HOOHU I|UVlNULQJ PRW VWRUD ULVNHU

%HVWlPPHOVHUQD L NDS ± ± RFK †† RP LQIRUPDWLRQ VRP VND OlPQDV YLG GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU EHK|YHU LQWH WLOOlPSDV RP HQ I|UVlNULQJVI|UPHGODUH HOOHU HWW I|UVlNULQJV

I|UHWDJ RFK HQ SURIHVVLRQHOO NXQG KDU NRPPLW |YHUHQV RP GHW (IWHU HQ

opaginerad 'HILQLWLRQHU Kontrollera mot PDF

VnGDQ |YHUHQVNRPPHOVH EHK|YHU LQWH KHOOHU NDS RFK ± †† WLOOlPSDV HQOLJW NDS † YLG GLVWULEXWLRQ DY YLVVD SHQVLRQVI|UVlNULQJDU

'HILQLWLRQHU

† , GHQQD ODJ EHW\GHU

anknuten försäkringsförmedlare HQ VYHQVN I\VLVN HOOHU MXULGLVN SHUVRQ VRP PRW HUVlWWQLQJ EHGULYHU I|UVlNULQJVGLVWULEXWLRQ VRP KXYXGVDNOLJ \UNHVYHUNVDPKHW RFK VRP KDU WUlIIDW DYWDO PHG HWW HOOHU IOHUD I|UVlNULQJVI|UHWDJ RP DWW GLVWULEXHUD I|UVlNULQJVSURGXNWHU RP GHVVD SURGXNWHU LQWH NRQNXUUHUDU PHG YDUDQGUD RFK DYWDOHW LQQHElU DWW I|UVlNULQJVI|UHWDJHW lU DQVYDULJW I|U UHQ I|UP|JHQKHWVVNDGD VRP GUDEEDU HQ NXQG HQ I|UVlNULQJVJLYDUH HOOHU QnJRQ VRP KlUOHGHU VLQ UlWW IUnQ NXQGHQ WLOO I|OMG DY DWW GHQ I\VLVND HOOHU MXULGLVND SHUVRQHQ XSSVnWOLJHQ

HOOHU DY RDNWVDPKHW nVLGRVlWWHU VLQD VN\OGLJKHWHU HQOLJW NDS † anknuten sidoverksam försäkringsförmedlare YDUMH I\VLVN RFK

MXULGLVN SHUVRQ VRP DYVHV L RFK VRP KDU WUlIIDW DYWDO PHG HWW HOOHU IOHUD I|UVlNULQJVI|UHWDJ HOOHU I|UVlNULQJVI|UPHGODUH RP DWW GLVWULEXHUD VnGDQD I|UVlNULQJVSURGXNWHU VRP DQJHV GlU RP DYWDOHW LQQHElU DWW I|UVlNULQJV I|UHWDJHW HOOHU I|UVlNULQJVI|UPHGODUHQ lU DQVYDULJW I|U UHQ I|UP|JHQKHWV VNDGD VRP GUDEEDU HQ NXQG HQ I|UVlNULQJVJLYDUH HOOHU QnJRQ VRP KlUOHGHU VLQ UlWW IUnQ NXQGHQ WLOO I|OMG DY DWW GHQ I\VLVND HOOHU MXULGLVND SHUVRQHQ XSSVnWOLJHQ HOOHU DY RDNWVDPKHW nVLGRVlWWHU VLQD VN\OGLJKHWHU

HQOLJW NDS †

behörig myndighet HQ XWOlQGVN P\QGLJKHW HOOHU DQQDW XWOlQGVNW RUJDQ VRP KDU EHK|ULJKHW DWW EHVOXWD RP WLOOVWnQG I|U HOOHU UHJLVWUHULQJ DY XWOlQGVND I|UVlNULQJVI|UPHGODUH HOOHU DWW XW|YD WLOOV\Q |YHU VnGDQD

I|UPHGODUH EES (XURSHLVND HNRQRPLVND VDPDUEHWVRPUnGHW

EES-försäkringsförmedlare HQ XWOlQGVN I|UVlNULQJVI|UPHGODUH VRP KDU KHPYLVW L HWW DQQDW ODQG LQRP ((6 RFK VRP RPIDWWDV DY I|UVlNULQJV

GLVWULEXWLRQVGLUHNWLYHW

ersättning DOOD SURYLVLRQHU HUVlWWQLQJDU NRVWQDGHU HOOHU DQGUD EHWDOQLQJDU LQEHJULSHW HNRQRPLVND HUVlWWQLQJDU DY DOOD VODJ HOOHU HYHQWXHOOD DQGUD ILQDQVLHOOD HOOHU LFNH ILQDQVLHOOD I|UPnQHU HOOHU LQFLWDPHQW VRP HUEMXGV HOOHU XWEHWDODV PHG DYVHHQGH Sn I|UVlNULQJV

GLVWULEXWLRQ

filial HQ I|UPHGODUHV DJHQWXU HOOHU ILOLDO VRP OLJJHU L HWW DQQDW ODQG

LQRP ((6 lQ KHPODQGHW

försäkringsbaserad investeringsprodukt HQ I|UVlNULQJVSURGXNW PHG HWW I|UIDOOR HOOHU nWHUN|SVYlUGH VRP KHOW HOOHU GHOYLV lU GLUHNW HOOHU LQGLUHNW H[SRQHUDW PRW PDUNQDGVYRODWLOLWHW PHG XQGDQWDJ I|U

D VNDGHI|UVlNULQJVSURGXNWHU E OLYI|UVlNULQJVDYWDO GlU HUVlWWQLQJ HQOLJW DYWDOHW HQGDVW EHWDODV XW YLG

G|GVIDOO HOOHU YLG LQYDOLGLWHW WLOO I|OMG DY VNDGD VMXNGRP HOOHU IXQNWLRQV QHGVlWWQLQJ RFK

F SHQVLRQVI|UVlNULQJDU

försäkringsdistributionsdirektivet (XURSDSDUODPHQWHWV RFK UnGHWV GLUHNWLY (8 DY GHQ MDQXDUL RP I|UVlNULQJVGLVWULEXWLRQ

försäkringsdistributör YDUMH I|UVlNULQJVI|UPHGODUH VLGRYHUNVDP

I|UVlNULQJVI|UPHGODUH HOOHU I|UVlNULQJVI|UHWDJ

opaginerad lU EHOlJHW Kontrollera mot PDF

försäkringsförmedlare YDUMH I\VLVN HOOHU MXULGLVN SHUVRQ PHG XQGDQWDJ I|U I|UVlNULQJVI|UHWDJ HOOHU GHUDV DQVWlOOGD VRP PRW HUVlWWQLQJ

LQOHGHU HOOHU EHGULYHU I|UVlNULQJVGLVWULEXWLRQ försäkringsförmedlare från tredjeland HQ XWOlQGVN I|UVlNULQJV

I|UPHGODUH VRP KDU KHPYLVW L HWW ODQG VRP LQWH K|U WLOO ((6 RFK VRP VNXOOH RPIDWWDV DY I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RP GHVV KHPODQG

K|UGH WLOO ((6 hemland

D RP I|UVlNULQJVI|UPHGODUHQ lU HQ I\VLVN SHUVRQ GHW ODQG LQRP ((6 GlU I|UPHGODUHQ KDU VLQ KHPYLVW

E RP I|UVlNULQJVI|UPHGODUHQ lU HQ MXULGLVN SHUVRQ GHW ODQG LQRP ((6 GlU I|UPHGODUHQV VlWH lU EHOlJHW HOOHU RP I|UPHGODUHQ HQOLJW QDWLRQHOO UlWW LQWH KDU QnJRW VlWH GHW ODQG LQRP ((6 GlU I|UPHGODUHQV KXYXGNRQWRU

lU EHOlJHW

huvudsakligt verksamhetsställe GHQ SODWV GlU GHQ KXYXGVDNOLJD

YHUNVDPKHWHQ EHGULYV

kvalificerat innehav HWW GLUHNW HOOHU LQGLUHNW lJDQGH L HWW I|UHWDJ RP LQQHKDYHW UHSUHVHQWHUDU WLR SURFHQW HOOHU PHU DY NDSLWDOHW HOOHU DY VDPWOLJD U|VWHU HOOHU DQQDUV P|MOLJJ|U HWW YlVHQWOLJW LQIO\WDQGH |YHU

OHGQLQJHQ DY I|UHWDJHW

nära förbindelser GHW VRP DYVHV L NDS † I|UVlNULQJV U|UHOVHODJHQ PHQ GHW VRP GlU DQJHV RP I|UVlNULQJVI|UHWDJ

VND L VWlOOHW DYVH I|UVlNULQJVI|UPHGODUH pensionsförsäkring I|UVlNULQJVDYWDO VRP KDU VRP IUlPVWD V\IWH DWW

JH LQNRPVW YLG SHQVLRQHULQJ RFK VRP EHUlWWLJDU GHQ I|UVlNUDGH WLOO YLVVD

HUVlWWQLQJDU

professionell kund HQ NXQG VRP DYVHV L NDS E † ODJHQ

RP YlUGHSDSSHUVPDUNQDGHQ

rådgivning på grundval av en opartisk och personlig analys VnGDQ

UnGJLYQLQJ VRP DYVHV L NDS †

rådgivning WLOOKDQGDKnOODQGH DY HQ SHUVRQOLJ UHNRPPHQGDWLRQ WLOO HQ NXQG DQWLQJHQ Sn NXQGHQV EHJlUDQ HOOHU Sn LQLWLDWLY DY I|UVlNULQJV

GLVWULEXW|UHQ L IUnJD RP HWW HOOHU IOHUD I|UVlNULQJVDYWDO sidoverksam försäkringsförmedlare YDUMH I\VLVN HOOHU MXULGLVN

SHUVRQ ± XWRP NUHGLWLQVWLWXW HOOHU YlUGHSDSSHUVI|UHWDJ HQOLJW GHILQLWLRQHQ

L DUWLNHO RFK L (XURSDSDUODPHQWHWV RFK UnGHWV I|URUGQLQJ (8

QU DY GHQ MXQL RP WLOOV\QVNUDY I|U NUHGLWLQVWLWXW RFK

YlUGHSDSSHUVI|UHWDJ RFK RP lQGULQJ DY I|URUGQLQJ (8 QU ±

VRP PRW HUVlWWQLQJ LQOHGHU HOOHU EHGULYHU I|UVlNULQJVGLVWULEXWLRQ VRP

VLGRYHUNVDPKHW XQGHU I|UXWVlWWQLQJ DWW VDPWOLJD I|OMDQGH YLOONRU lU XSS

I\OOGD

D GHQ I\VLVND HOOHU MXULGLVND SHUVRQHQ L IUnJD KDU LQWH I|UVlNULQJV

GLVWULEXWLRQ VRP KXYXGVDNOLJ \UNHVYHUNVDPKHW

E GHQ I\VLVND HOOHU MXULGLVND SHUVRQHQ GLVWULEXHUDU EDUD YLVVD I|UVlN

ULQJVSURGXNWHU VRP NRPSOHWWHUDU HQ YDUD HOOHU HQ WMlQVW RFK

F GH EHU|UGD I|UVlNULQJVSURGXNWHUQD WlFNHU LQWH OLYI|UVlNULQJ HOOHU

DQVYDUVI|UVlNULQJ XWRP QlU VnGDQW VN\GG NRPSOHWWHUDU GHQ YDUD HOOHU

WMlQVW VRP I|UPHGODUHQ EHGULYHU VRP KXYXGVDNOLJ \UNHVYHUNVDPKHW

skadeförsäkringsprodukter VnGDQD I|UVlNULQJVSURGXNWHU VRP lU

KlQI|UOLJD WLOO GH I|UVlNULQJVNODVVHU VRP DQJHV L NDS † I|UVlNULQJV

U|UHOVHODJHQ

opaginerad stora risker GHW VRP DYVHV L NDS † DQGUD RFK WUHGMH VW\FNHQD Kontrollera mot PDF

stora risker GHW VRP DYVHV L NDS † DQGUD RFK WUHGMH VW\FNHQD

I|UVlNULQJVU|UHOVHODJHQ tjänstepensionsförsäkring SHQVLRQVI|UVlNULQJDU VRP WHFNQDV DY HQ

DUEHWVJLYDUH WLOO I|UPnQ I|U HQ DUEHWVWDJDUH RFK VRP RPIDWWDV DY WLOOlPSQLQJVRPUnGHW I|U (XURSDSDUODPHQWHWV RFK UnGHWV GLUHNWLY (* DY GHQ MXQL RP YHUNVDPKHW L RFK WLOOV\Q |YHU WMlQVWHSHQVLRQVLQVWLWXW HOOHU (XURSDSDUODPHQWHWV RFK UnGHWV GLUHNWLY (* DY GHQ QRYHPEHU RP XSSWDJDQGH RFK XW|YDQGH DY

I|UVlNULQJV RFK nWHUI|UVlNULQJVYHUNVDPKHW 6ROYHQV ,, varaktigt medium YDUMH PHGHO VRP

D J|U GHW P|MOLJW I|U NXQGHQ DWW EHYDUD LQIRUPDWLRQ VRP ULNWDV WLOO NXQGHQ SHUVRQOLJHQ Sn HWW VlWW VRP lU WLOOJlQJOLJW I|U DQYlQGQLQJ L IUDPWLGHQ XQGHU HQ WLG VRP lU OlPSOLJ PHG KlQV\Q WLOO YDG VRP lU DYVLNWHQ PHG LQIRUPDWLRQHQ RFK

E WLOOnWHU RI|UlQGUDG nWHUJLYQLQJ DY GHQ EHYDUDGH LQIRUPDWLRQHQ RFK värdland GHW ODQG LQRP ((6 GlU HQ I|UVlNULQJVI|UPHGODUH KDU HQ

SHUPDQHQW QlUYDUR HOOHU HWW HWDEOHULQJVVWlOOH HOOHU WLOOKDQGDKnOOHU WMlQVWHU RFK VRP LQWH lU I|UPHGODUHQV KHPODQG

%HP\QGLJDQGHQ

† 5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU PHGGHOD I|UHVNULIWHU RP YLOND nWJlUGHU VRP HWW I|UVlNULQJVI|UHWDJ VND YLGWD I|U DWW XSSI\OOD GH NUDY VRP I|OMHU DY EHVWlPPHOVHUQD L † WUHGMH VW\FNHW

NDS 7LOOVWnQG RFK UHJLVWUHULQJ

7LOOVWnQGV RFK UHJLVWHULQJVSOLNW

† )|UVlNULQJVGLVWULEXWLRQ InU PHG XQGDQWDJ I|U GH IDOO VRP DYVHV L ± †† EHGULYDV EDUD HIWHU WLOOVWnQG DY )LQDQVLQVSHNWLRQHQ 7LOOVWnQG InU JHV WLOO HQ VYHQVN I\VLVN HOOHU MXULGLVN SHUVRQ

)LQDQVLQVSHNWLRQHQ VND LQRP WUH PnQDGHU IUnQ GHW DWW HQ IXOOVWlQGLJ DQV|NDQ RP WLOOVWnQG KDU OlPQDWV LQ XQGHUUlWWD V|NDQGHQ RP VLWW EHVOXW L WLOOVWnQGVIUnJDQ

%HVWlPPHOVHU RP I|UXWVlWWQLQJDU I|U XWOlQGVND I|UVlNULQJVI|UPHGODUH DWW EHGULYD I|UVlNULQJVGLVWULEXWLRQ L 6YHULJH RFK I|UXWVlWWQLQJDU I|U VYHQ VND I|UVlNULQJVI|UPHGODUH DWW EHGULYD I|UVlNULQJVGLVWULEXWLRQ XWRPODQGV ILQQV L NDS

† 7LOOVWnQG I|U DWW EHGULYD I|UVlNULQJVGLVWULEXWLRQ InU DYVH DOOD VODJ DY I|UVlNULQJDU

EDUD OLYI|UVlNULQJDU HOOHU EDUD VNDGHI|UVlNULQJDU

7LOOVWnQGHW InU EHJUlQVDV WLOO DWW DYVH HQ HOOHU IOHUD I|UVlNULQJVNODVVHU HOOHU JUXSSHU DY I|UVlNULQJDU VRP DYVHV L NDS ± †† I|UVlNULQJV U|UHOVHODJHQ RFK L I|UHVNULIWHU VRP KDU PHGGHODWV PHG VW|G DY NDS † VDPPD ODJ

opaginerad 9HUNVDPKHWHQ InU LQWH SnE|UMDV I|UUlQ GHQ KDU UHJLVWUHUDWV Kontrollera mot PDF

† 'HQ VRP KDU InWW WLOOVWnQG HQOLJW † DWW EHGULYD I|UVlNULQJV GLVWULEXWLRQ VND VHQDVW VH[ PnQDGHU HIWHU GHW DWW WLOOVWnQG EHYLOMDGHV DQPlOD VLJ I|U UHJLVWUHULQJ KRV %RODJVYHUNHW

2P DQPlODQ I|U UHJLVWUHULQJ LQWH J|UV LQRP GHQQD WLG HOOHU RP %RODJV YHUNHW JHQRP EHVOXW VRP KDU InWW ODJD NUDIW DYVNULYLW HQ VnGDQ DQPlODQ HOOHU YlJUDW UHJLVWUHULQJ XSSK|U WLOOVWnQGHW DWW JlOOD

9HUNVDPKHWHQ InU LQWH SnE|UMDV I|UUlQ GHQ KDU UHJLVWUHUDWV

† )|U HQ DQNQXWHQ VLGRYHUNVDP I|UVlNULQJVI|UPHGODUH JlOOHU L VWlOOHW I|U GHW VRP DQJHV L ± †† DWW GHW I|UVlNULQJVI|UHWDJ HOOHU GHQ DQGUD I|UVlNULQJVI|UPHGODUH VRP I|UPHGODUHQ KDU LQJnWW DYWDO PHG RP DWW GLVWULEXHUD GHVV I|UVlNULQJVSURGXNWHU VND DQPlOD I|UPHGODUHQ I|U UHJLVWUHULQJ KRV %RODJVYHUNHW

,QQDQ DQPlODQ InU VNH VND DQPlODUHQ NRQWUROOHUD DWW I|UPHGODUHQ XSSI\OOHU NUDYHQ L † I|UVWD VW\FNHW ± RFK HOOHU † I|UVWD VW\FNHW ± RFK DQGUD VW\FNHW .UDYHW Sn DWW GH SHUVRQHU VRP DYVHV L † I|UVWD VW\FNHW lYHQ L |YULJW VND YDUD OlPSOLJD I|U DWW LQJn L OHGQLQJHQ EHK|YHU GRFN LQWH YDUD XSSI\OOW $QPlODUHQ VND JHQRP DWW EHJlUD DWW HWW XWGUDJ XU GHW UHJLVWHU VRP I|UV HQOLJW ODJHQ RP EHODVWQLQJVUHJLVWHU YLVDV XSS NRQWUROOHUD DWW NUDYHQ L † I|UVWD VW\FNHW RFK † I|UVWD VW\FNHW L GHWWD DYVHHQGH lU XSSI\OOGD

, HQ DQPlODQ RP UHJLVWUHULQJ VND GHW DQJHV RP GLVWULEXWLRQHQ VND DYVH DOOD VODJ DY I|UVlNULQJ EDUD OLYI|UVlNULQJDU HOOHU EDUD VNDGHI|UVlNULQJDU HOOHU RP GHQ VND EHJUlQVDV WLOO DWW DYVH HQ HOOHU IOHUD I|UVlNULQJVNODVVHU HOOHU JUXSSHU DY I|UVlNULQJVNODVVHU VRP DYVHV L NDS ± †† I|UVlN ULQJVU|UHOVHODJHQ RFK L I|UHVNULIWHU VRP KDU PHGGHODWV PHG VW|G DY NDS † VDPPD ODJ

9HUNVDPKHWHQ InU LQWH SnE|UMDV I|UUlQ GHQ KDU UHJLVWUHUDWV

† (Q VDPPDQVOXWQLQJ DY I|UVlNULQJVI|UHWDJ HOOHU I|UVlNULQJVI|UPHG ODUH InU DQPlOD HQ DQNQXWHQ VLGRYHUNVDP I|UVlNULQJVI|UPHGODUH , VnGDQD IDOO JlOOHU †

%HVWlPPHOVHUQD L † JlOOHU lYHQ DQNQXWQD I|UVlNULQJVI|UPHGODUH VRP LQWH DYVHU DWW GLVWULEXHUD I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU HOOHU VnGDQD SHQVLRQVI|UVlNULQJDU VRP DYVHV L NDS †

† 7LOOVWnQG HQOLJW GHQQD ODJ EHK|YV LQWH I|U I|UVlNULQJVI|UHWDJ RFK GHUDV DQVWlOOGD

$QVWlOOGD KRV I|UVlNULQJVI|UPHGODUH VRP lU MXULGLVND SHUVRQHU EHK|YHU LQWH KD WLOOVWnQG

)|UXWVlWWQLQJDU I|U WLOOVWnQG I|U HQ I\VLVN SHUVRQ

† 7LOOVWnQG I|U HQ VYHQVN I\VLVN SHUVRQ DWW EHGULYD I|UVlNULQJV GLVWULEXWLRQ InU JHV EDUD RP GHQ I\VLVND SHUVRQHQ

LQWH lU XQGHUnULJ I|UVDWW L NRQNXUV HOOHU KDU QlULQJVI|UEXG HOOHU I|UYDOWDUH HQOLJW NDS † I|UlOGUDEDONHQ

LQWH I|UHNRPPHU L GHW UHJLVWHU VRP I|UV HQOLJW ODJHQ RP EHODVWQLQJVUHJLVWHU DYVHHQGH YLVVD DOOYDUOLJD I|UP|JHQKHWVEURWW HOOHU YLVV DOOYDUOLJ HNRQRPLVN EURWWVOLJKHW RFK KDU YLVDW VN|WVDPKHW L HNRQRPLVND

DQJHOlJHQKHWHU

opaginerad KDU OlPSOLJ NXQVNDS RFK NRPSHWHQV I|U GHQ YHUNVDPKHW VRP VND Kontrollera mot PDF

KDU OlPSOLJ NXQVNDS RFK NRPSHWHQV I|U GHQ YHUNVDPKHW VRP VND

XW|YDV XSSI\OOHU NUDYHQ Sn IRUWO|SDQGH IRUWELOGQLQJ RFK \UNHVXWYHFNOLQJ RPIDWWDV DY HQ I|UVlNULQJ I|U VNDGHVWnQGVVN\OGLJKHW VRP NDQ XSS

NRPPD RP KDQ HOOHU KRQ nVLGRVlWWHU VLQD VN\OGLJKHWHU DQVYDUVI|U VlNULQJ

lYHQ L |YULJW lU OlPSOLJ DWW XW|YD YHUNVDPKHWHQ RFK LQWH KDU HOOHU NDQ YlQWDV NRPPD DWW In VnGDQD QlUD I|UELQGHOVHU PHG

QnJRQ DQQDQ VRP KLQGUDU HQ HIIHNWLY WLOOV\Q DY GHQ I\VLVND SHUVRQHQ )|UVWD VW\FNHW JlOOHU LQWH I|U DQNQXWQD I|UVlNULQJVI|UPHGODUH VRP

DYVHU DWW GLVWULEXHUD I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU HOOHU VnGDQD SHQVLRQVI|UVlNULQJDU VRP DQJHV L NDS †

)|UXWVlWWQLQJDU I|U WLOOVWnQG I|U HQ MXULGLVN SHUVRQ

† 7LOOVWnQG I|U HQ VYHQVN MXULGLVN SHUVRQ DWW XW|YD I|UVlNULQJV GLVWULEXWLRQ InU JHV EDUD RP

GHQ MXULGLVND SHUVRQHQ LQWH lU I|UVDWW L NRQNXUV HOOHU OLNYLGDWLRQ GHQ MXULGLVND SHUVRQHQ RPIDWWDV DY HQ I|UVlNULQJ I|U VNDGHVWnQGV

VN\OGLJKHW VRP NDQ XSSNRPPD RP GHQ nVLGRVlWWHU VLQD VN\OGLJKHWHU DQVYDUVI|UVlNULQJ

GHQ VRP VND LQJn L GHQ MXULGLVND SHUVRQHQV OHGQLQJ HOOHU YDUD HUVlWWDUH I|U GHQQH XSSI\OOHU NUDYHQ L † I|UVWD VW\FNHW VDPW KDU WLOOUlFNOLJ LQVLNW RFK HUIDUHQKHW I|U DWW GHOWD L OHGQLQJHQ DY HQ MXULGLVN SHUVRQ VRP EHGULYHU I|UVlNULQJVGLVWULEXWLRQ RFK lYHQ L |YULJW lU OlPSOLJ DWW LQJn L OHGQLQJHQ

DQVWlOOGD VRP GLUHNW GHOWDU L GLVWULEXWLRQHQ DY I|UVlNULQJDU I|U GHQ MXULGLVND SHUVRQHQV UlNQLQJ XSSI\OOHU NUDYHQ L † I|UVWD VW\FNHW ± RFK LQWH KDU HOOHU NDQ YlQWDV NRPPD DWW In VnGDQD QlUD I|UELQGHOVHU PHG QnJRQ DQQDQ VRP KLQGUDU HQ HIIHNWLY WLOOV\Q DY GHQ MXULGLVND SHUVRQHQ 'HQ MXULGLVND SHUVRQHQ VND NRQWUROOHUD DWW I|UXWVlWWQLQJDUQD HQOLJW I|UVWD VW\FNHW lU XSSI\OOGD , VDPEDQG PHG GHWWD VND GHQ MXULGLVND SHUVRQHQ EHJlUD DWW HWW XWGUDJ XU GHW UHJLVWHU VRP I|UV HQOLJW ODJHQ RP EHODVWQLQJVUHJLVWHU YLVDV XSS I|U DWW NRQWUROOHUD DWW NUDYHQ

L † I|UVWD VW\FNHW L GHWWD DYVHHQGH lU XSSI\OOGD

)|UVWD VW\FNHW JlOOHU LQWH I|U DQNQXWQD I|UVlNULQJVI|UPHGODUH VRP DYVHU DWW GLVWULEXHUD I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU HOOHU VnGDQD SHQVLRQVI|UVlNULQJDU VRP DQJHV L NDS †

9LVVD EHVWlPPHOVHU RP I|UVlNULQJVI|UHWDJ

† 9DG VRP I|UHVNULYV L † I|UVWD VW\FNHW ± VND lYHQ JlOOD I|U DQVWlOOGD VRP VND GLVWULEXHUD I|UVlNULQJDU I|U HWW I|UVlNULQJVI|UHWDJV UlNQLQJ

)|UVlNULQJVI|UHWDJHW VND NRQWUROOHUD DWW I|UXWVlWWQLQJDUQD HQOLJW I|UVWD VW\FNHW lU XSSI\OOGD RFK Gn WLOOlPSD GHW VRP DQJHV L † DQGUD VW\FNHW

† 'HQ VRP VND LQJn L OHGQLQJHQ HOOHU YDUD HUVlWWDUH I|U GHQQH I|U HWW I|UVlNULQJVI|UHWDJ VRP EHGULYHU I|UVlNULQJVGLVWULEXWLRQ VND XSSI\OOD NUDYHQ L † I|UVWD VW\FNHW

opaginerad 9HUNVDPKHWPHGVLGRWLOOVWnQG Kontrollera mot PDF

9HUNVDPKHWPHGVLGRWLOOVWnQG

† (Q I|UVlNULQJVI|UPHGODUH VRP lU UHJLVWUHUDG I|U I|UPHGOLQJ DY DOOD VODJ DY I|UVlNULQJDU HOOHU HQEDUW OLYI|UVlNULQJDU InU HIWHU WLOOVWnQG VLGR WLOOVWnQG lYHQ EHGULYD VnGDQ VLGRYHUNVDPKHW VRP DYVHV L NDS † I|UVWD VW\FNHW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ

9LG SU|YQLQJ DY HQ DQV|NDQ RP WLOOVWnQG HQOLJW I|UVWD VW\FNHW JlOOHU HOOHU † L WLOOlPSOLJD GHODU

† 'HQ VRP KDU InWW VLGRWLOOVWnQG HQOLJW † I|UVWD VW\FNHW VND VHQDVW VH[ PnQDGHU HIWHU GHW DWW WLOOVWnQG EHYLOMDGHV DQPlOD VLJ I|U UHJLVWUHULQJ KRV %RODJVYHUNHW

2P DQPlODQ I|U UHJLVWUHULQJ LQWH J|UV LQRP GHQQD WLG HOOHU RP %RODJV YHUNHW JHQRP EHVOXW VRP KDU InWW ODJD NUDIW DYVNULYLW HQ VnGDQ DQPlODQ HOOHU YlJUDW UHJLVWUHULQJ XSSK|U WLOOVWnQGHW DWW JlOOD

9HUNVDPKHW PHG VLGRWLOOVWnQG InU LQWH SnE|UMDV I|UUlQ GHQ KDU UHJL VWUHUDWV

† 2P HQ I|UVlNULQJVI|UPHGODUH EHGULYHU YHUNVDPKHW PHG VW|G DY HWW VLGRWLOOVWnQG VRP DYVHU LQYHVWHULQJVUnGJLYQLQJ RP VnGDQD IRQGDQGHODU VRP DYVHV L NDS † I|UVWD VW\FNHW ODJHQ RP YlUGH SDSSHUVPDUNQDGHQ VND I|OMDQGH EHVWlPPHOVHU L GHQ ODJHQ JlOOD L WLOOlPS OLJD GHODU I|U GHQ YHUNVDPKHWHQ

± NDS RFK ††

± NDS ± RFK ± ††

± NDS ± ± RFK ± ††

± NDS †

± NDS ± ††

± NDS RFK †† RFK

± NDS †

† )LQDQVLQVSHNWLRQHQ InU I|UEMXGD HQ I|UVlNULQJVI|UPHGODUH DWW XW|YD DQQDQ VLGRYHUNVDPKHW lQ VnGDQ VRP DYVHV L † I|UVWD VW\FNHW RP GHW ILQQV VlUVNLOGD VNlO

%HP\QGLJDQGHQ

† 5HJHULQJHQ InU PHGGHOD I|UHVNULIWHU RP YLOND DOOYDUOLJD I|UP|J HQKHWVEURWW RFK YLONHQ DOOYDUOLJ HNRQRPLVN EURWWVOLJKHW VRP DYVHV L † I|UVWD VW\FNHW RFK RP KXU UHJLVWHUNRQWUROOHQ HQOLJW RFK ± †† VND Jn WLOO

† 5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU PHGGHOD I|UHVNULIWHU RP

YDG HQ DQV|NDQ RP WLOOVWnQG HQOLJW † HOOHU NDS † RFK HQ DQPlODQ RP UHJLVWUHULQJ HQOLJW HOOHU † VND LQQHKnOOD

YDG I|UVlNULQJVI|UHWDJHQ HOOHU DQQDQ DQPlODUH HQOLJW HOOHU † VND

LDNWWD YLG NRQWUROOHQ DY DQNQXWQD VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH

HOOHU DQNQXWQD I|UVlNULQJVI|UPHGODUH YLG DQPlODQ DY GHVVD I|UPHGODUH

I|U UHJLVWUHULQJ KRV %RODJVYHUNHW

YDG VRP VND DYVHV PHG VN|WVDPKHW L HNRQRPLVND DQJHOlJHQKHWHU

HQOLJW † I|UVWD VW\FNHW

opaginerad VnGDQ I|UVlNULQJ I|U VNDGHVWnQGVVN\OGLJKHW VRP DYVHV L † I|UVWD VW\FNHW RFK † I|UVWD VW\FNHW Kontrollera mot PDF

YLONHQ NXQVNDS RFK NRPSHWHQV VDPW IRUWO|SDQGH IRUWELOGQLQJ RFK

\UNHVXWYHFNOLQJ VRP NUlYV HQOLJW † I|UVWD VW\FNHW RFK RFK † I|UVWD VW\FNHW

VnGDQ I|UVlNULQJ I|U VNDGHVWnQGVVN\OGLJKHW VRP DYVHV L † I|UVWD VW\FNHW RFK † I|UVWD VW\FNHW

YDG VRP VND DYVHV PHG L |YULJW OlPSOLJ DWW XW|YD YHUNVDPKHWHQ HQOLJW † I|UVWD VW\FNHW RFK L |YULJW OlPSOLJ DWW LQJn L OHGQLQJHQ HQOLJW † I|UVWD VW\FNHW

YLONHQ LQVLNW RFK HUIDUHQKHW VRP NUlYV HQOLJW † I|UVWD VW\FNHW YDG VRP VND DYVHV PHG GHQ VRP VND LQJn L GHQ MXULGLVND SHUVRQHQV

OHGQLQJ HOOHU YDUD HUVlWWDUH I|U GHQQH HQOLJW † I|UVWD VW\FNHW YDG GHQ MXULGLVND SHUVRQHQ L |YULJW VND LDNWWD HQOLJW † DQGUD VW\FNHW

L VDPEDQG PHG NRQWUROO DY DQVWlOOGD RFK YLOND nWJlUGHU HQ I|UVlNULQJVI|UPHGODUH VND YLGWD I|U DWW XSSI\OOD GH

NUDY VRP I|OMHU DY †

NDS 9HUNVDPKHW |YHU JUlQVHUQD

8WOlQGVND I|UVlNULQJVI|UPHGODUHV YHUNVDPKHW L 6YHULJH

Försäkringsförmedlare från ett annat land inom EES

† (Q ((6 I|UVlNULQJVI|UPHGODUH InU EHGULYD I|UVlNULQJVGLVWULEXWLRQ JHQRP DWW HUEMXGD RFK WLOOKDQGDKnOOD

WMlQVWHU L 6YHULJH XWDQ DWW LQUlWWD ILOLDO KlU PHG E|UMDQ IUnQ GHW DWW )LQDQV LQVSHNWLRQHQ IUnQ HQ EHK|ULJ P\QGLJKHW L I|UVlNULQJVI|UPHGODUHQV KHP ODQG KDU WDJLW HPRW HQ XQGHUUlWWHOVH RP I|UPHGODUHQV DYVLNW DWW EHGULYD I|UVlNULQJVGLVWULEXWLRQ JHQRP DWW HUEMXGD RFK WLOOKDQGDKnOOD WMlQVWHU L 6YHULJH XWDQ DWW LQUlWWD ILOLDO KlU

EHGULYD I|UVlNULQJVGLVWULEXWLRQ IUnQ ILOLDO HOOHU SHUPDQHQW QlUYDUR L 6YHULJH PHG E|UMDQ HQ PnQDG HIWHU GHW DWW )LQDQVLQVSHNWLRQHQ IUnQ HQ EHK|ULJ P\QGLJKHW L I|UVlNULQJVI|UPHGODUHQV KHPODQG KDU WDJLW HPRW HQ XQGHUUlWWHOVH RP I|UPHGODUHQV DYVLNW DWW EHGULYD I|UVlNULQJVGLVWULEXWLRQ IUnQ ILOLDO HOOHU SHUPDQHQW QlUYDUR L 6YHULJH HOOHU WLGLJDUH RP )LQDQV LQVSHNWLRQHQ WLOOnWHU GHW

)LQDQVLQVSHNWLRQHQ VND JHQRP GHQ EHK|ULJD P\QGLJKHWHQ L KHPODQGHW

XSSO\VD I|UVlNULQJVI|UPHGODUHQ RP GH EHVWlPPHOVHU VRP JlOOHU I|U YHUN VDPKHWHQ KlU L ODQGHW

)LQDQVLQVSHNWLRQHQ VND YLG PRWWDJDQGH DY XQGHUUlWWHOVHU HQOLJW I|UVWD VW\FNHW VQDUDVW EHNUlIWD PRWWDJDQGHW WLOO GHQ EHK|ULJD P\QGLJKHWHQ L KHPODQGHW

† (Q XQGHUUlWWHOVH HQOLJW † I|UVWD VW\FNHW RFK VND LQQHKnOOD XSSJLIW RP

I|UPHGODUHQV I|U RFK HIWHUQDPQ HOOHU ILUPD DGUHVV RFK L I|UH NRPPDQGH IDOO SHUVRQ HOOHU RUJDQLVDWLRQVQXPPHU

GHW HOOHU GH OlQGHU LQRP ((6 VRP I|UVlNULQJVI|UPHGODUHQ DYVHU DWW EHGULYD YHUNVDPKHW L

NDWHJRUL DY I|UPHGODUH RFK L I|UHNRPPDQGH IDOO QDPQ Sn GHW HOOHU GH I|UVlNULQJVI|UHWDJ VRP UHSUHVHQWHUDV RFK

L I|UHNRPPDQGH IDOO LQRP YLOND I|UVlNULQJVNODVVHU I|UPHGODUHQ DYVHU DWW EHGULYD I|UVlNULQJVGLVWULEXWLRQ

opaginerad (Q XQGHUUlWWHOVH HQOLJW † I|UVWD VW\FNHW VND GlUXW|YHU LQQHKnOOD XSSJLIW RP Kontrollera mot PDF

(Q XQGHUUlWWHOVH HQOLJW † I|UVWD VW\FNHW VND GlUXW|YHU LQQHKnOOD XSSJLIW RP

GHQ DGUHVV L YlUGODQGHW GlU GRNXPHQW NDQ EHVWlOODV RFK

QDPQ Sn GHQ SHUVRQ VRP VND DQVYDUD I|U OHGQLQJHQ DY ILOLDOHQ HOOHU GHQ SHUPDQHQWD QlUYDURQ

Försäkringsförmedlare från tredjeland

† (Q I|UVlNULQJVI|UPHGODUH IUnQ WUHGMHODQG InU HIWHU WLOOVWnQG DY )LQDQVLQVSHNWLRQHQ EHGULYD I|UVlNULQJVGLVWULEXWLRQ IUnQ ILOLDO L 6YHULJH

7LOOVWnQG InU JHV EDUD RP I|UVlNULQJVI|UPHGODUHQ L VLWW KHPODQG VWnU XQGHU EHWU\JJDQGH WLOOV\Q

DY HQ EHK|ULJ P\QGLJKHW RFK GHQ P\QGLJKHWHQ KDU PHGJHWW DWW I|UPHG ODUHQ HWDEOHUDU VLJ L 6YHULJH RFK

GHW ILQQV VNlO DWW DQWD DWW I|UVlNULQJVI|UPHGODUHQ XSSI\OOHU NUDYHQ L NDS HOOHU †

† 7LOOVWnQG HQOLJW † InU DYVH DOOD VODJ DY I|UVlNULQJDU EDUD OLYI|UVlNULQJDU HOOHU EDUD VNDGHI|UVlNULQJDU

7LOOVWnQGHW InU EHJUlQVDV WLOO DWW DYVH HQ HOOHU IOHUD I|UVlNULQJVNODVVHU HOOHU JUXSSHU DY I|UVlNULQJVNODVVHU VRP DYVHV L NDS ± †† I|UVlN ULQJVU|UHOVHODJHQ RFK L I|UHVNULIWHU VRP KDU PHGGHODWV PHG VW|G DY NDS † VDPPD ODJ

† 'HQ VRP KDU InWW WLOOVWnQG HQOLJW † DWW EHGULYD I|UVlNULQJV GLVWULEXWLRQ VND VHQDVW VH[ PnQDGHU HIWHU GHW DWW WLOOVWnQG EHYLOMDGHV DQPlOD VLJ I|U UHJLVWUHULQJ KRV %RODJVYHUNHW

2P DQPlODQ I|U UHJLVWUHULQJ LQWH J|UV LQRP GHQQD WLG HOOHU RP %RODJVYHUNHW JHQRP EHVOXW VRP KDU InWW ODJD NUDIW DYVNULYLW HQ VnGDQ DQPlODQ HOOHU YlJUDW UHJLVWUHULQJ XSSK|U WLOOVWnQGHW DWW JlOOD

9HUNVDPKHWHQ InU LQWH SnE|UMDV I|UUlQ GHQ KDU UHJLVWUHUDWV

6YHQVND I|UVlNULQJVI|UPHGODUHV YHUNVDPKHW XWRPODQGV

† $YVHU HQ I|UVlNULQJVI|UPHGODUH DWW HUEMXGD RFK WLOOKDQGDKnOOD WMlQVWHU L HWW DQQDW ODQG LQRP ((6 XWDQ DWW LQUlWWD HQ ILOLDO GlU VND I|UPHGODUHQ XQGHUUlWWD )LQDQVLQVSHNWLRQHQ LQQDQ YHUNVDPKHWHQ SnE|UMDV

(Q XQGHUUlWWHOVH HQOLJW I|UVWD VW\FNHW VND LQQHKnOOD XSSJLIW RP I|UPHGODUHQV I|U RFK HIWHUQDPQ HOOHU ILUPD DGUHVV RFK L I|UH

NRPPDQGH IDOO SHUVRQ HOOHU RUJDQLVDWLRQVQXPPHU

GHW HOOHU GH OlQGHU LQRP ((6 VRP I|UVlNULQJVI|UPHGODUHQ DYVHU DWW EHGULYD YHUNVDPKHW L

NDWHJRUL DY I|UPHGODUH RFK L I|UHNRPPDQGH IDOO QDPQ Sn GHW HOOHU GH I|UVlNULQJVI|UHWDJ VRP UHSUHVHQWHUDV RFK

L I|UHNRPPDQGH IDOO LQRP YLOND I|UVlNULQJVNODVVHU I|UPHGODUHQ DYVHU DWW EHGULYD I|UVlNULQJVGLVWULEXWLRQ

)LQDQVLQVSHNWLRQHQ VND LQRP HQ PnQDG IUnQ GHW DWW XQGHUUlWWHOVHQ WRJV HPRW OlPQD |YHU GHQ WLOO EHK|ULJ P\QGLJKHW L GHW ODQG GlU YHUNVDPKHWHQ VND EHGULYDV

opaginerad NRPPDQGH IDOO SHUVRQ HOOHU RUJDQLVDWLRQVQXPPHU Kontrollera mot PDF

)LQDQVLQVSHNWLRQHQ VND VNULIWOLJHQ XQGHUUlWWD I|UVlNULQJVI|UPHGODUHQ

QlU GHQ EHK|ULJD P\QGLJKHWHQ L YlUGODQGHW KDU EHNUlIWDW PRWWDJDQGHW DY XQGHUUlWWHOVHQ ,QVSHNWLRQHQ VND lYHQ LQIRUPHUD I|UVlNULQJVI|UPHGODUHQ RP GH EHVWlPPHOVHU VRP JlOOHU I|U YHUNVDPKHWHQ L YlUGODQGHW RFK DWW YHUNVDPKHWHQ PnVWH YDUD I|UHQOLJ PHG GHVVD

† $YVHU HQ I|UVlNULQJVI|UPHGODUH DWW LQUlWWD HQ ILOLDO HOOHU SHUPDQHQW QlUYDUR L HWW DQQDW ODQG LQRP ((6 I|U DWW EHGULYD I|UVlNULQJVGLVWULEXWLRQ VND I|UPHGODUHQ XQGHUUlWWD )LQDQVLQVSHNWLRQHQ LQQDQ YHUNVDPKHWHQ SnE|UMDV

(Q XQGHUUlWWHOVH HQOLJW I|UVWD VW\FNHW VND LQQHKnOOD XSSJLIW RP I|UPHGODUHQV I|U RFK HIWHUQDPQ HOOHU ILUPD DGUHVV RFK L I|UH

NRPPDQGH IDOO SHUVRQ HOOHU RUJDQLVDWLRQVQXPPHU

GHW HOOHU GH OlQGHU LQRP ((6 VRP I|UVlNULQJVI|UPHGODUHQ DYVHU DWW EHGULYD YHUNVDPKHW L

NDWHJRUL DY I|UPHGODUH RFK L I|UHNRPPDQGH IDOO QDPQ Sn GHW HOOHU GH I|UVlNULQJVI|UHWDJ VRP UHSUHVHQWHUDV

L I|UHNRPPDQGH IDOO LQRP YLOND I|UVlNULQJVNODVVHU I|UPHGODUHQ DYVHU DWW EHGULYD I|UVlNULQJVGLVWULEXWLRQ

GHQ DGUHVV L YlUGODQGHW GlU GRNXPHQW NDQ EHVWlOODV RFK

QDPQ Sn GHQ SHUVRQ VRP VND DQVYDUD I|U OHGQLQJHQ DY ILOLDOHQ HOOHU GHQ SHUPDQHQWD QlUYDURQ

† 2P )LQDQVLQVSHNWLRQHQ L IDOO VRP DYVHV L † DQVHU DWW GHW LQWH ILQQV VNlO DWW LIUnJDVlWWD I|UVlNULQJVI|UPHGODUHQV RUJDQLVDWRULVND VWUXNWXU HOOHU HNRQRPLVND VLWXDWLRQ XWLIUnQ GHQ SODQHUDGH GLVWULEXWLRQVYHUNVDPKHWHQ VND LQVSHNWLRQHQ LQRP HQ PnQDG IUnQ GHW DWW XQGHUUlWWHOVHQ WRJV HPRW OlPQD |YHU GHQ WLOO EHK|ULJ P\QGLJKHW L GHW ODQG GlU ILOLDOHQ VND LQUlWWDV

,QVSHNWLRQHQ VND VNULIWOLJHQ XQGHUUlWWD I|UVlNULQJVI|UPHGODUHQ QlU GHQ EHK|ULJD P\QGLJKHWHQ L YlUGODQGHW KDU EHNUlIWDW PRWWDJDQGHW DY XQGHU UlWWHOVHQ 1lU )LQDQVLQVSHNWLRQHQ XQGHUUlWWDWV DY GHQ EHK|ULJD P\QGLJ KHWHQ L YlUGODQGHW RP GH EHVWlPPHOVHU VRP JlOOHU I|U YHUNVDPKHWHQ L GHW ODQGHW VND LQVSHNWLRQHQ L VLQ WXU XQGHUUlWWD I|UVlNULQJVI|UPHGODUHQ RP GHVVD

2P )LQDQVLQVSHNWLRQHQ DQVHU DWW GHW LQWH ILQQV I|UXWVlWWQLQJDU I|U DWW OlPQD |YHU XQGHUUlWWHOVHQ HQOLJW I|UVWD VW\FNHW VND LQVSHNWLRQHQ PHGGHOD EHVOXW RP GHW LQRP HQ PnQDG IUnQ GHW DWW XQGHUUlWWHOVHQ WRJV HPRW

† 2P HQ I|UVlNULQJVI|UPHGODUH DYVHU DWW lQGUD QnJRW VRP DQJHWWV L XQGHUUlWWHOVHQ HQOLJW HOOHU † RP I|UPHGODUHQV DYVLNW DWW EHGULYD I|UVlNULQJVGLVWULEXWLRQ HIWHU GHW DWW YHUNVDPKHWHQ KDU LQOHWWV VND I|U PHGODUHQ VNULIWOLJHQ XQGHUUlWWD )LQDQVLQVSHNWLRQHQ VHQDVW HQ PnQDG LQQDQ lQGULQJHQ JHQRPI|UV

)LQDQVLQVSHNWLRQHQ VND LQIRUPHUD GHQ EHK|ULJD P\QGLJKHWHQ L YlUG ODQGHW RP lQGULQJHQ VN\QGVDPW RFK VHQDVW HQ PnQDG IUnQ GHQ GDJ XQGHU UlWWHOVHQ WRJV HPRW

† 2P HQ I|UVlNULQJVI|UPHGODUH KDU XQGHUUlWWDW )LQDQVLQVSHNWLRQHQ HQOLJW † I|UVWD VW\FNHW † I|UVWD VW\FNHW HOOHU † I|UVWD VW\FNHW VND LQVSHNWLRQHQ DQPlOD GHWWD WLOO %RODJVYHUNHW

opaginerad NDS 5HJOHU I|U YHUNVDPKHWHQ Kontrollera mot PDF

, GH IDOO VRP DYVHV L † I|UVWD VW\FNHW RFK † I|UVWD VW\FNHW VND HQ DQPlODQ J|UDV QlU )LQDQVLQVSHNWLRQHQ OlPQDU |YHU XQGHUUlWWHOVHQ WLOO GHQ EHK|ULJD P\QGLJKHWHQ L GHW ODQG GlU ILOLDOHQ VND LQUlWWDV HOOHU YHUNVDP KHWHQ VND EHGULYDV

, GH IDOO VRP DYVHV L † I|UVWD VW\FNHW VND HQ DQPlODQ J|UDV QlU )LQDQVLQVSHNWLRQHQ KDU WDJLW HPRW XQGHUUlWWHOVHQ RP lQGULQJ

NDS 5HJOHU I|U YHUNVDPKHWHQ

*UXQGOlJJDQGH NUDY YLG I|UVlNULQJVGLVWULEXWLRQ

† (Q I|UVlNULQJVGLVWULEXW|U VND GULYD VLQ YHUNVDPKHW HQOLJW JRG I|UVlNULQJVGLVWULEXWLRQVVWDQGDUG RFK PHG WLOOE|UOLJ RPVRUJ WD WLOO YDUD NXQGHQV LQWUHVVHQ )|UVlNULQJVGLVWULEXW|UHQ VND KDQGOD KHGHUOLJW UlWWYLVW RFK SURIHVVLRQHOOW

)|UVlNULQJVGLVWULEXW|UHQ VND DQSDVVD VLQ UnGJLYQLQJ HIWHU NXQGHQV |QVNHPnO RFK EHKRY VDPW HQGDVW UHNRPPHQGHUD O|VQLQJDU VRP lU OlPSOLJD I|U NXQGHQ )|UVlNULQJVGLVWULEXW|UHQ VND DYUnGD HQ NXQG VRP lU HQ I\VLVN SHUVRQ VRP KDQGODU KXYXGVDNOLJHQ I|U lQGDPnO VRP IDOOHU XWDQI|U QlULQJVYHUNVDPKHW IUnQ DWW YLGWD nWJlUGHU VRP LQWH NDQ DQVHV OlPSOLJD PHG KlQV\Q WLOO SHUVRQHQV EHKRY HNRQRPLVND I|UKnOODQGHQ HOOHU DQGUD RPVWlQGLJKHWHU

9LOONRU I|U I|UVlNULQJVI|UPHGODUHV UnGJLYQLQJ Sn JUXQGYDO DY HQ RSDUWLVN RFK SHUVRQOLJ DQDO\V

† 2P HQ I|UVlNULQJVI|UPHGODUH KDU LQIRUPHUDW NXQGHQ HQOLJW NDS † I|UVWD VW\FNHW RP DWW GHQ WLOOKDQGDKnOOHU UnGJLYQLQJ Sn JUXQGYDO DY HQ RSDUWLVN RFK SHUVRQOLJ DQDO\V VND I|UPHGODUHQ OlPQD UnGJLYQLQJHQ HIWHU HQ DQDO\V DY HWW WLOOUlFNOLJW VWRUW DQWDO I|UVlNULQJVDYWDO Sn PDUNQDGHQ YLOND VND YDUD WLOOUlFNOLJW GLYHUVLILHUDGH PHG DYVHHQGH Sn W\S RFK SURGXNWOHYHUDQW|UHU I|U DWW VlNHUVWlOOD DWW NXQGHQV PnO Sn OlPSOLJW VlWW NDQ WLOOJRGRVHV

(Q DQDO\V HQOLJW I|UVWD VW\FNHW InU LQWH RPIDWWD I|UVlNULQJVSURGXNWHU VRP KHOW HOOHU GHOYLV XWYHFNODWV DY I|UVlNULQJVI|UPHGODUHQ DY I|UHWDJ VRP I|UVlNULQJVI|UPHGODUHQ KDU QlUD I|UELQGHOVHU PHG HOOHU DY DQGUD I|UHWDJ VRP I|UPHGODUHQ KDU HWW VnGDQW UlWWVOLJW HOOHU HNRQRPLVNW I|UKnOODQGH WLOO DWW GHW NDQ ULVNHUD I|UXWVlWWQLQJDUQD I|U UnGJLYQLQJ Sn JUXQGYDO DY HQ RSDUWLVN RFK SHUVRQOLJ DQDO\V

2P UnGJLYQLQJ OlPQDV Sn JUXQGYDO DY HQ RSDUWLVN RFK SHUVRQOLJ DQDO\V InU GHQ LQWH I|UHJnV HOOHU HIWHUI|OMDV DY HQ LFNH REHURHQGH LQYHVWHULQJVUnGJLYQLQJ VRP lU KlQI|UOLJ WLOO VDPPD I|UVlNULQJVDYWDO

(UVlWWQLQJDU IUnQ QnJRQ DQQDQ lQ NXQGHQ

† (Q I|UVlNULQJVGLVWULEXW|U InU LQWH WD HPRW HUVlWWQLQJ L VDPEDQG PHG I|UVlNULQJVGLVWULEXWLRQHQ IUnQ QnJRQ DQQDQ lQ NXQGHQ RP HUVlWWQLQJHQ NDQ PRWYHUND DWW GLVWULEXW|UHQ XSSI\OOHU NUDYHQ L †

)|U HQ I|UVlNULQJVI|UPHGODUH VRP OlPQDU UnGJLYQLQJ RP I|UVlNULQJ Sn JUXQGYDO DY HQ RSDUWLVN RFK SHUVRQOLJ DQDO\V HQOLJW † JlOOHU XW|YHU I|UVWD VW\FNHW lYHQ DWW I|UPHGODUHQ LQWH InU WD HPRW RFK EHKnOOD HUVlWWQLQJ

L VDPEDQG PHG I|UVlNULQJVGLVWULEXWLRQHQ IUnQ QnJRQ DQQDQ lQ NXQGHQ

opaginerad $QGUD VW\FNHW JlOOHU LQWH PLQGUH LFNH PRQHWlUD I|UPnQHU VRP Kontrollera mot PDF

$QGUD VW\FNHW JlOOHU LQWH PLQGUH LFNH PRQHWlUD I|UPnQHU VRP

I|UVlNULQJVI|UPHGODUHQ KDU LQIRUPHUDW NXQGHQ RP RFK VRP NDQ K|MD NYDOLWHWHQ Sn WMlQVWHQ WLOO NXQGHQ RFK VRP lU DY HQ VnGDQ RPIDWWQLQJ RFK DUW DWW GH LQWH NDQ DQVHV KLQGUD I|UPHGODUHQ IUnQ DWW XSSI\OOD VLQD VN\OGLJKHWHU HQOLJW †

)|UEXG PRW PDUNQDGVI|ULQJ DY DQGUD ILQDQVLHOOD WMlQVWHU

† (Q I|UVlNULQJVI|UPHGODUH InU LQWH L VDPEDQG PHG I|UVlNULQJV GLVWULEXWLRQ PDUNQDGVI|UD DQGUD ILQDQVLHOOD WMlQVWHU lQ VnGDQD I|UVlNULQJDU VRP RPIDWWDV DY WLOOVWnQGHW HQOLJW NDS † HOOHU UHJLVWUHULQJ HQOLJW NDS HOOHU †

2P HQ I|UVlNULQJVI|UPHGODUH KDU WLOOVWnQG HQOLJW NDS † I|UVWD VW\FNHW DWW GULYD VnGDQ VLGRYHUNVDPKHW VRP DYVHV GlU InU I|UPHGODUHQ lYHQ PDUNQDGVI|UD VnGDQD IRQGDQGHODU VRP RPIDWWDV DY GHW WLOOVWnQGHW )|UVWD VW\FNHW JlOOHU LQWH RP I|UVlNULQJVI|UPHGODUHQ KDU UlWW HQOLJW QnJRQ DQQDQ I|UIDWWQLQJ DWW WLOOKDQGDKnOOD DQGUD ILQDQVLHOOD WMlQVWHU lQ GH VRP RPIDWWDV DY WLOOVWnQGHW HQOLJW NDS † HOOHU UHJLVWUHULQJHQ HQOLJW

NDS HOOHU †

(UVlWWQLQJVV\VWHP

† (Q I|UVlNULQJVGLVWULEXW|UV V\VWHP I|U HUVlWWQLQJ WLOO SHUVRQDO VRP lU

V\VVHOVDWWD LQRP GLVWULEXW|UHQV I|UVlNULQJVGLVWULEXWLRQ LQNOXVLYH GHP

VRP GLUHNW OHGHU HOOHU DQVYDUDU I|U GHWWD DUEHWH VND YDUD XSSE\JJW Sn HWW

VlWW VRP LQWH QHJDWLYW SnYHUNDU I|UVlNULQJVGLVWULEXW|UHQV I|UPnJD DWW

XSSI\OOD VN\OGLJKHWHUQD HQOLJW †

5XWLQHU RFK ULNWOLQMHU I|U LQWHUQ NRQWUROO DY NXQVNDS RFK NRPSHWHQV

P P

† (Q I|UVlNULQJVGLVWULEXW|U VND KD UXWLQHU RFK ULNWOLQMHU I|U LQWHUQ

NRQWUROO DY DWW GHQ RFK GHVV DQVWlOOGD XSSI\OOHU NUDYHQ L NDS † I|UVWD

VW\FNHW ± NDS † I|UVWD VW\FNHW RFK NDS RFK ††

)|UVlNULQJVGLVWULEXW|UHQ VND LQUlWWD XSSUlWWKnOOD RFK XSSGDWHUD UHJLVWHU

I|U GRNXPHQWDWLRQ DY GH nWJlUGHU VRP GHQ YLGWDU I|U DWW XSSI\OOD NUDYHQ

(Q I|UVlNULQJVGLVWULEXW|U VND XWVH HQ HOOHU IOHUD SHUVRQHU VRP DQVYDUDU

I|U DWW GLVWULEXW|UHQ IXOOJ|U GH VN\OGLJKHWHU VRP DQJHV L I|UVWD VW\FNHW 3n

EHJlUDQ DY )LQDQVLQVSHNWLRQHQ VND I|UVlNULQJVGLVWULEXW|UHQ OlPQD

LQVSHNWLRQHQ XSSJLIW RP QDPQHW Sn GHQ HOOHU GH SHUVRQHUQD

3URGXNWJRGNlQQDQGH

† (Q I|UVlNULQJVGLVWULEXW|U VRP XWYHFNODU I|UVlNULQJVSURGXNWHU I|U

GLVWULEXWLRQ WLOO NXQGHU VND IDVWVWlOOD WLOOlPSD RFK O|SDQGH VH |YHU HQ

SURFHVV I|U JRGNlQQDQGH DY GH I|UVlNULQJVSURGXNWHU VRP XWYHFNODV

3URFHVVHQ VND lYHQ DYVH EHW\GDQGH I|UlQGULQJDU DY EHILQWOLJD

I|UVlNULQJVSURGXNWHU

(Q I|UVlNULQJVSURGXNW HOOHU HQ EHW\GDQGH I|UlQGULQJ DY HQ I|UVlNULQJV

SURGXNW VND JRGNlQQDV HQOLJW GHQ SURFHVV VRP DYVHV L I|UVWD VW\FNHW

LQQDQ GHQ PDUNQDGVI|UV HOOHU GLVWULEXHUDV WLOO NXQGHU SURGXNW

JRGNlQQDQGH

opaginerad I|U HQ VnGDQ PnOJUXSS VRP DYVHV L † I|UVWD VW\FNHW RFK Kontrollera mot PDF

† , SURFHVVHQ I|U SURGXNWJRGNlQQDQGH HQOLJW † VND GHW DQJHV HQ IDVWVWlOOG PnOJUXSS DY VOXWNXQGHU I|U HQ I|UVlNULQJVSURGXNW , SURFHVVHQ VND DOOD UHOHYDQWD ULVNHU I|U PnOJUXSSHQ EHG|PDV RFK GHW VND SU|YDV RP GHQ DYVHGGD VWUDWHJLQ I|U GLVWULEXWLRQ DY I|UVlNULQJVSURGXNWHQ lU OlPSOLJ I|U PnOJUXSSHQ

(Q VnGDQ I|UVlNULQJVGLVWULEXW|U VRP DYVHV L † I|UVWD VW\FNHW VND YLGWD DOOD ULPOLJD nWJlUGHU I|U DWW I|UVlNULQJVSURGXNWHU GLVWULEXHUDV WLOO GHQ PnOJUXSS VRP DYVHV L I|UVWD VW\FNHW

† (Q I|UVlNULQJVGLVWULEXW|U VND L SURFHVVHQ I|U SURGXNWJRGNlQQDQGH UHJHOEXQGHW VH |YHU GH I|UVlNULQJVSURGXNWHU VRP I|UHWDJHW HUEMXGHU HOOHU PDUNQDGVI|U

)|UVlNULQJVI|UHWDJHW VND YLG |YHUV\QHQ EHDNWD YLOND KlQGHOVHU VRP VNXOOH NXQQD YlVHQWOLJW SnYHUND ULVNHUQD

I|U HQ VnGDQ PnOJUXSS VRP DYVHV L † I|UVWD VW\FNHW RFK

EHG|PD RP HQ I|UVlNULQJVSURGXNW IRUWIDUDQGH PRWVYDUDU PnO JUXSSHQV EHKRY RFK RP GHQ DYVHGGD GLVWULEXWLRQVVWUDWHJLQ IRUWIDUDQGH lU OlPSOLJ

† 3URFHVVHQ I|U SURGXNWJRGNlQQDQGH HQOLJW ± †† VND YDUD SURSRUWLRQHUOLJ RFK lQGDPnOVHQOLJ L I|UKnOODQGH WLOO GH I|UVlNULQJV SURGXNWHU VRP VND GLVWULEXHUDV

† %HVWlPPHOVHUQD L ± †† JlOOHU LQWH YLG GLVWULEXWLRQVYHUNVDPKHW PHG DQNQ\WQLQJ WLOO I|UVlNULQJDU PRW VWRUD ULVNHU

3URGXNWLQIRUPDWLRQ RFK SURGXNWNlQQHGRP

† (Q I|UVlNULQJVGLVWULEXW|U VRP DYVHV L † I|UVWD VW\FNHW VND OlPQD WLOOUlFNOLJ LQIRUPDWLRQ RP VLQD I|UVlNULQJVSURGXNWHU RFK RP SURFHVVHQ I|U SURGXNWJRGNlQQDQGH WLOO GH |YULJD I|UVlNULQJVGLVWULEXW|UHU VRP VND GLVWULEXHUD SURGXNWHUQD

(Q I|UVlNULQJVGLVWULEXW|U VRP GLVWULEXHUDU I|UVlNULQJVSURGXNWHU VRP GLVWULEXW|UHQ LQWH VMlOY XWYHFNODU VND KD UXWLQHU I|U DWW In WLOOJnQJ WLOO VnGDQ LQIRUPDWLRQ VRP DYVHV L I|UVWD VW\FNHW (Q VnGDQ I|UVlNULQJV GLVWULEXW|U VND VNDIID VLJ JRG NlQQHGRP RP GH GLVWULEXHUDGH I|UVlNULQJV SURGXNWHUQD RFK RP GH PnOJUXSSHU VRP IDVWVWlOOWV HQOLJW † I|UVWD VW\FNHW

.RUVI|UVlOMQLQJ RFK NRSSOLQJVI|UEHKnOO

† 2P HQ I|UVlNULQJVGLVWULEXW|U HUEMXGHU HQ NXQG DWW LQJn HWW I|UVlNULQJVDYWDO WLOOVDPPDQV PHG HQ DQQDQ WMlQVW HOOHU SURGXNW VRP HQ GHO DY HWW SDNHW HOOHU VRP HWW YLOONRU I|U VDPPD |YHUHQVNRPPHOVH HOOHU SDNHW NRUVI|UVlOMQLQJ RFK I|UVlNULQJVDYWDOHW lU DY XQGHURUGQDG EHW\GHOVH L I|UKnOODQGH WLOO |YULJD GHODU DY |YHUHQVNRPPHOVHQ HOOHU SDNHWHW VND GLVWULEXW|UHQ HUEMXGD NXQGHQ DWW N|SD GHQ DQGUD WMlQVWHQ HOOHU SURGXNWHQ XWDQ DWW LQJn I|UVlNULQJVDYWDOHW

)|UVWD VW\FNHW JlOOHU LQWH RP I|UVlNULQJVDYWDOHW HUEMXGV WLOOVDPPDQV PHG

opaginerad LQYHVWHULQJVWMlQVWHU RFK LQYHVWHULQJVYHUNVDPKHWHU VRP DYVHV L NDS Kontrollera mot PDF

LQYHVWHULQJVWMlQVWHU RFK LQYHVWHULQJVYHUNVDPKHWHU VRP DYVHV L NDS

F † ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ HOOHU

EHWDONRQWR PHG JUXQGOlJJDQGH IXQNWLRQHU VRP DYVHV L D NDS † EHWDOWMlQVWODJHQ

%HKDQGOLQJ DY WLOOJnQJDU VRP WLOOK|U NXQGHQ

† 3HQJDU RFK DQGUD WLOOJnQJDU VRP HQ I|UVlNULQJVI|UPHGODUH InU KDQG RP I|U NXQGHQV UlNQLQJ VND KnOODV DYVNLOGD IUnQ I|UPHGODUHQV HJQD WLOOJnQJDU

2P HQ I|UVlNULQJVI|UPHGODUH GULYHU VnGDQ VLGRYHUNVDPKHW VRP DYVHV L NDS † I|UVWD VW\FNHW JlOOHU L VWlOOHW NDS † I|UVWD VW\FNHW F ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ I|U GHQ YHUNVDPKHWHQ

.ODJRPnOVKDQWHULQJ

† (Q I|UVlNULQJVGLVWULEXW|U VND VH WLOO DWW NXQGHU RFK DQGUD VRP lU EHU|UGD DY I|UVlNULQJVGLVWULEXWLRQHQ Sn HWW OlPSOLJW VlWW NDQ DQPlOD NODJRPnO PRW GLVWULEXW|UHQ )|UIDUDQGHW I|U KDQWHULQJ DY DQPlOGD NODJRPnO VND YDUD HIIHNWLYW 'LVWULEXW|UHQ VND EHVYDUD NODJRPnOHQ VQDUDVW P|MOLJW

6NDGHVWnQG

† 2P HQ I|UVlNULQJVGLVWULEXW|U XSSVnWOLJHQ HOOHU DY RDNWVDPKHW nVLGRVlWWHU VLQD VN\OGLJKHWHU HQOLJW † VND GLVWULEXW|UHQ HUVlWWD UHQ I|UP|JHQKHWVVNDGD VRP Sn JUXQG DY GHWWD GUDEEDU HQ NXQG HQ I|UVlNULQJVJLYDUH HWW IRQGERODJ HWW I|UYDOWQLQJVERODJ HWW IRQGI|UHWDJ HQ I|UYDOWDUH DY DOWHUQDWLYD LQYHVWHULQJVIRQGHU HOOHU QnJRQ DQQDQ VRP KlUOHGHU VLQ UlWW IUnQ NXQGHQ

9DG VRP VlJV L I|UVWD VW\FNHW VND lYHQ JlOOD RP HQ I|UVlNULQJV I|UPHGODUH EHGULYHU VLGRYHUNVDPKHW HQOLJW NDS † RFK XSSVnWOLJHQ HOOHU DY RDNWVDPKHW nVLGRVlWWHU VLQD VN\OGLJKHWHU HQOLJW NDS † L GHQ YHUNVDPKHWHQ

† 'HQ VRP YLOO J|UD DQVSUnN Sn VNDGHVWnQG HQOLJW † VND XQGHUUlWWD I|UVlNULQJVGLVWULEXW|UHQ LQRP VNlOLJ WLG HIWHU GHW DWW KDQ HOOHU KRQ PlUNW HOOHU ERUGH KD PlUNW DWW VNDGD KDU XSSNRPPLW

2P XQGHUUlWWHOVH LQWH J|UV LQRP VNlOLJ WLG IDOOHU UlWWHQ WLOO VNDGHVWnQG HQOLJW GHQQD ODJ ERUW 'HWVDPPD JlOOHU RP WDODQ LQWH YlFNV LQRP WLR nU IUnQ GLVWULEXWLRQVWLOOIlOOHW

$UEHWVRUGQLQJ RFK LQVWUXNWLRQHU RP DUEHWVI|UGHOQLQJHQ PHOODQ ERODJVRUJDQHQ

† 6N\OGLJKHWHQ HQOLJW NDS D † DNWLHERODJVODJHQ I|U VW\UHOVHQ L HWW SXEOLNW DNWLHERODJ DWW nUOLJHQ IDVWVWlOOD HQ VNULIWOLJ DUEHWVRUGQLQJ I|U VLWW DUEHWH JlOOHU lYHQ I|U VW\UHOVHQ L HWW SULYDW DNWLHERODJ VRP KDU WLOOVWnQG HQOLJW NDS † DWW GULYD YHUNVDPKHW VRP I|UVlNULQJVI|UPHGODUH 'HWWD JlOOHU GRFN LQWH L IUnJD RP ERODJ YDUV VW\UHOVH KDU HQGDVW HQ OHGDPRW

opaginerad NDS ,QIRUPDWLRQVNUDY RFK XSSI|UDQGHUHJOHU Kontrollera mot PDF

6N\OGLJKHWHQ HQOLJW NDS E † DNWLHERODJVODJHQ I|U VW\UHOVHQ L HWW SXEOLNW DNWLHERODJ DWW L VNULIWOLJD LQVWUXNWLRQHU DQJH DUEHWVI|UGHOQLQJHQ PHOODQ ERODJVRUJDQHQ JlOOHU lYHQ I|U VW\UHOVHQ L HWW SULYDW DNWLHERODJ VRP KDU WLOOVWnQG DWW GULYD YHUNVDPKHW VRP I|UVlNULQJVI|UPHGODUH

6W\UHOVHQV RUGI|UDQGH VND EHYDND DWW VW\UHOVHQ IXOOJ|U GH XSSJLIWHU VRP DQJHV L GHQQD SDUDJUDI

%HP\QGLJDQGHQ

† 5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU PHGGHOD I|UHVNULIWHU RP

YDG I|UVlNULQJVGLVWULEXW|UHQ VND LDNWWD I|U DWW XSSI\OOD NUDYHQ L † YLOONRU I|U UnGJLYQLQJ Sn JUXQGYDO DY HQ RSDUWLVN RFK SHUVRQOLJ

DQDO\V HQOLJW † RFK † DQGUD RFK WUHGMH VW\FNHQD KXU HUVlWWQLQJ VRP DYVHV L † I|UVWD VW\FNHW VND YDUD XWIRUPDG I|U DWW

LQWH PRWYHUND DWW HQ I|UVlNULQJVGLVWULEXW|U XSSI\OOHU NUDYHQ L † HQ I|UVlNULQJVGLVWULEXW|UV HUVlWWQLQJVV\VWHP HQOLJW † YDG I|UVlNULQJVGLVWULEXW|UHQ VND LDNWWD I|U DWW XSSI\OOD NUDYHQ L † YDG I|UVlNULQJVGLVWULEXW|UHQ VND LDNWWD I|U DWW XSSI\OOD NUDYHQ L IUnJD

RP SURGXNWJRGNlQQDQGH SURGXNWLQIRUPDWLRQ RFK SURGXNWNlQQHGRP L ± RFK †† RFK

YDG HQ I|UVlNULQJVGLVWULEXW|U VND LDNWWD HQOLJW † YLG KDQWHULQJ DY NODJRPnO

NDS ,QIRUPDWLRQVNUDY RFK XSSI|UDQGHUHJOHU

$OOPlQ LQIRUPDWLRQ WLOO NXQGHQ

† (Q I|UVlNULQJVGLVWULEXW|U VND L JRG WLG LQQDQ HWW I|UVlNULQJVDYWDO LQJnV OlPQD LQIRUPDWLRQ WLOO NXQGHQ RP

VLQ LGHQWLWHW DGUHVV RFK RP GHQ lU I|UVlNULQJVI|UPHGODUH HOOHU I|UVlNULQJVI|UHWDJ

GHQ HOOHU GH P\QGLJKHWHU VRP XW|YDU WLOOV\Q |YHU I|UVlNULQJV GLVWULEXW|UHQ

KXUXYLGD I|UVlNULQJVGLVWULEXW|UHQ WLOOKDQGDKnOOHU UnGJLYQLQJ RP GH I|UVlNULQJVSURGXNWHU VRP VlOMV RFK

GH P|MOLJKHWHU VRP ILQQV I|U NXQGHQ DWW IUDPVWlOOD NODJRPnO PRW I|UVlNULQJVGLVWULEXW|UHQ UHVSHNWLYH In HQ WYLVW PHG GLVWULEXW|UHQ SU|YDG XWDQI|U GRPVWRO

† (Q I|UVlNULQJVI|UPHGODUH VND L JRG WLG LQQDQ HWW I|UVlNULQJVDYWDO LQJnV LQIRUPHUD NXQGHQ RP

GHW UHJLVWHU VRP I|UPHGODUHQ lU XSSWDJHQ L RFK KXU UHJLVWUHULQJHQ NDQ NRQWUROOHUDV

DQVYDUVI|UVlNULQJHQ RFK

KXUXYLGD I|UPHGODUHQ I|UHWUlGHU NXQGHQ HOOHU DJHUDU I|U HWW I|UVlNULQJVI|UHWDJV UlNQLQJ

† (Q VLGRYHUNVDP I|UVlNULQJVI|UPHGODUH VND L JRG WLG LQQDQ HWW I|UVlNULQJVDYWDO LQJnV OlPQD LQIRUPDWLRQ VRP DYVHV L † RFK VDPW

† RFK

opaginerad 'HWVDPPD VND lYHQ JlOOD HQ DQNQXWHQ VLGRYHUNVDP I|UVlNULQJV Kontrollera mot PDF

'HWVDPPD VND lYHQ JlOOD HQ DQNQXWHQ VLGRYHUNVDP I|UVlNULQJV

I|UPHGODUH PHG XQGDQWDJ DY LQIRUPDWLRQ VRP DYVHV L †

† )|U HQ DQNQXWHQ I|UVlNULQJVI|UPHGODUH RFK HQ DQNQXWHQ VLGR YHUNVDP I|UVlNULQJVI|UPHGODUH JlOOHU L VWlOOHW I|U GHW VRP DQJHV L † DWW GHVVD VND LQIRUPHUD NXQGHQ RP DWW GHW I|UVlNULQJVI|UHWDJ PHG YLONHW I|UPHGODUHQ LQJnWW DYWDO RP DWW GLVWULEXHUD GHVV I|UVlNULQJVSURGXNWHU lU DQVYDULJW I|U UHQ I|UP|JHQKHWVVNDGD VRP GUDEEDU HQ NXQG HQ I|UVlNULQJVJLYDUH HOOHU QnJRQ VRP KlUOHGHU VLQ UlWW IUnQ NXQGHQ WLOO I|OMG DY DWW I|UPHGODUHQ XSSVnWOLJHQ HOOHU DY RDNWVDPKHW nVLGRVlWWHU VLQD VN\OGLJKHWHU HQOLJW NDS †

† (Q I|UVlNULQJVI|UPHGODUH VND L JRG WLG LQQDQ HWW I|UVlNULQJVDYWDO LQJnV OlPQD LQIRUPDWLRQ WLOO NXQGHQ RP KXUXYLGD I|UPHGODUHQ KDU HWW NYDOLILFHUDW LQQHKDY L HWW I|UVlNULQJVI|UHWDJ HOOHU RP HWW I|UVlNULQJV I|UHWDJ HOOHU HWW PRGHUERODJ WLOO HWW I|UVlNULQJVI|UHWDJ KDU HWW NYDOLILFHUDW LQQHKDY L I|UVlNULQJVI|UPHGODUHQ

† (Q I|UVlNULQJVI|UPHGODUH VND L JRG WLG LQQDQ HWW I|UVlNULQJVDYWDO LQJnV OlPQD LQIRUPDWLRQ WLOO NXQGHQ RP KXUXYLGD I|UPHGODUHQ L IUnJD RP GHW DYWDO VRP I|UHVOnV

OlPQDU UnGJLYQLQJ Sn JUXQGYDO DY HQ RSDUWLVN RFK SHUVRQOLJ DQDO\V JHQRP DYWDO lU I|USOLNWLJDG DWW GLVWULEXHUD I|UVlNULQJDU XWHVOXWDQGH

I|U HWW HOOHU IOHUD I|UVlNULQJVI|UHWDJV UlNQLQJ RFK GLVWULEXHUDU I|UVlNULQJDU IUnQ HWW HOOHU IOHUD I|UVlNULQJVI|UHWDJ L DQQDW

IDOO lQ VRP DYVHV L RFK

)|UVlNULQJVI|UPHGODUHQ VND L GH IDOO VRP DYVHV L I|UVWD VW\FNHW RFK lYHQ DQJH QDPQHQ Sn GH DNWXHOOD I|UVlNULQJVI|UHWDJHQ

3ULVRFKHUVlWWQLQJVLQIRUPDWLRQ

† (Q I|UVlNULQJVI|UPHGODUH VND L JRG WLG LQQDQ HWW I|UVlNULQJVDYWDO LQJnV OlPQD LQIRUPDWLRQ WLOO NXQGHQ RP DUWHQ DY GHQ HUVlWWQLQJ VRP I|UPHGODUHQ InU I|U I|UVlNULQJVDYWDOHW YHP HOOHU YLOND VRP EHWDODU HUVlWWQLQJHQ RFK VWRUOHNHQ Sn HUVlWWQLQJHQ HOOHU RP GHWWD LQWH lU P|MOLJW JUXQGHUQD I|U KXU HUVlWWQLQJHQ EHVWlPV

† (WW I|UVlNULQJVI|UHWDJ VND L JRG WLG LQQDQ HWW I|UVlNULQJVDYWDO LQJnV OlPQD LQIRUPDWLRQ WLOO NXQGHQ RP DUWHQ DY GHQ HUVlWWQLQJ VRP I|UHWDJHWV DQVWlOOGD InU I|U I|UVlNULQJVDYWDOHW

† 6LGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH RFK DQNQXWQD VLGRYHUN VDPPD I|UVlNULQJVI|UPHGODUH VND L JRG WLG LQQDQ HWW I|UVlNULQJVDYWDO LQJnV OlPQD LQIRUPDWLRQ WLOO NXQGHQ RP DUWHQ DY GHQ HUVlWWQLQJ VRP I|U PHGODUHQ InU I|U I|UVlNULQJVDYWDOHW

† ,QIRUPDWLRQ VRP DYVHV L ± †† VND OlPQDV WLOO NXQGHQ lYHQ YLG I|UQ\HOVH HOOHU lQGULQJ DY I|UVlNULQJVDYWDOHW RP GHW EHK|YV

opaginerad ,QIRUPDWLRQVNUDY RFK XSSI|UDQGHUHJOHU YLG UnGJLYQLQJ RFK YLG Kontrollera mot PDF

,QIRUPDWLRQVNUDY RFK XSSI|UDQGHUHJOHU YLG UnGJLYQLQJ RFK YLG

I|UVlOMQLQJ XWDQ UnGJLYQLQJ

† (Q I|UVlNULQJVGLVWULEXW|U VND LQQDQ HWW I|UVlNULQJVDYWDO LQJnV NODUJ|UD NXQGHQV NUDY RFK EHKRY L IUnJD RP I|UVlNULQJVVN\GG RFK JH NXQGHQ REMHNWLY RFK W\GOLJ LQIRUPDWLRQ RP I|UVlNULQJVSURGXNWHQ

VRP lU DQSDVVDG HIWHU NXQGHQ RFK SURGXNWHQV NRPSOH[LWHW

† (Q I|UVlNULQJVGLVWULEXW|U VRP WLOOKDQGDKnOOHU NXQGHQ UnGJLYQLQJ LQQDQ HWW YLVVW DYWDO LQJnV VND JH NXQGHQ HQ SHUVRQOLJ UHNRPPHQGDWLRQ PHG HQ I|UNODULQJ DY YDUI|U HQ YLVV SURGXNW ElVW PRWVYDUDU NXQGHQV NUDY RFK EHKRY

6lUVNLOW IRUPNUDY YLG GLVWULEXWLRQ DY VNDGHI|UVlNULQJ

† 9LG GLVWULEXWLRQ DY VNDGHI|UVlNULQJVSURGXNWHU VND I|UVlNULQJV GLVWULEXW|UHQ JH NXQGHQ LQIRUPDWLRQ RP I|UVlNULQJVSURGXNWHQ L IRUP DY HWW VWDQGDUGLVHUDW SURGXNWIDNWDEODG Sn SDSSHU HOOHU DQQDW YDUDNWLJW PHGLXP

3URGXNWIDNWDEODGHW VND YDUD XSSUlWWDW DY XWYHFNODUHQ DY VNDGH I|UVlNULQJVSURGXNWHQ

,QIRUPDWLRQHQV IRUP

† $OO LQIRUPDWLRQ LQNOXVLYH PDUNQDGVI|ULQJVPDWHULDO VRP HQ I|UVlNULQJVGLVWULEXW|U OlPQDU WLOO NXQGHU VND YDUD RSDUWLVN RFK InU LQWH YDUD YLOVHOHGDQGH 0DUNQDGVI|ULQJVPDWHULDO VND DOOWLG NODUW RFK W\GOLJW NXQQD LGHQWLILHUDV VRP VnGDQW

† ,QIRUPDWLRQ VRP DYVHV L ± †† VND OlPQDV NRVWQDGVIULWW WLOO NXQGHQ L HQ SDSSHUVKDQGOLQJ Sn HWW DQQDW YDUDNWLJW PHGLXP HOOHU Sn HQ ZHEESODWV VRP lU WLOOJlQJOLJ I|U NXQGHQ

,QIRUPDWLRQHQ VND YDU NODU RFK EHJULSOLJ RFK OlPQDV Sn VYHQVND HOOHU Sn HWW RIILFLHOOW VSUnN L GHW ODQG LQRP ((6 GlU ULVNHQ lU EHOlJHQ L GHW ODQG LQRP ((6 GlU nWDJDQGHW J|UV HOOHU Sn HWW DQQDW VSUnN VRP GLVWULEXW|UHQ RFK NXQGHQ NRPPHU |YHUHQV RP

† 9LG WHOHIRQI|UVlOMQLQJ InU GHQ LQIRUPDWLRQ VRP DYVHV L ± †† OlPQDV PXQWOLJHQ WLOO NXQGHQ LQQDQ HWW I|UVlNULQJVDYWDO LQJnV

6QDUDVW HIWHU GHW DWW I|UVlNULQJVDYWDO LQJnWWV VND LQIRUPDWLRQHQ OlPQDV WLOO NXQGHQ Sn GHW VlWW VRP DQJHV L †

9LG WHOHIRQI|UVlOMQLQJ WLOO HQ NRQVXPHQW ILQQV lYHQ EHVWlPPHOVHU L NDS ODJHQ RP GLVWDQVDYWDO RFK DYWDO XWDQI|U DIIlUVORNDOHU

6lUVNLOW LQIRUPDWLRQVNUDY YLG DQVOXWQLQJ WLOO REOLJDWRULVN WMlQVWHSHQVLRQVI|UVlNULQJVSODQ

† 2P HQ DQVWlOOG DQVOXWV WLOO HQ REOLJDWRULVN WMlQVWHSHQVLRQV I|UVlNULQJVSODQ VND GH I|UVlNULQJVI|UHWDJ VRP RPIDWWDV DY SODQHQ VlNHUVWlOOD DWW LQIRUPDWLRQ VRP DYVHV L ± †† OlPQDV WLOO GHQ DQVWlOOGH XWDQ GU|MVPnO HIWHU DQVOXWQLQJHQ

opaginerad 6lUVNLOGD LQIRUPDWLRQVNUDY YLG NRUVI|UVlOMQLQJ Kontrollera mot PDF

6lUVNLOGD LQIRUPDWLRQVNUDY YLG NRUVI|UVlOMQLQJ

† 9LG NRUVI|UVlOMQLQJ HQOLJW NDS † I|UVWD VW\FNHW VND I|UVlNULQJVGLVWULEXW|UHQ LQIRUPHUD NXQGHQ RP KXUXYLGD GHW lU P|MOLJW DWW N|SD GH ROLND EHVWnQGVGHODUQD VHSDUDW 'LVWULEXW|UHQ VND JH NXQGHQ HQ DGHNYDW EHVNULYQLQJ DY GH ROLND GHODUQD L DYWDOHW HOOHU SDNHWHW VDPW OlPQD VHSDUDWD XSSJLIWHU RP NRVWQDGHU RFK DYJLIWHU I|U UHVSHNWLYH EHVWnQGVGHO

† 2P ULVNHQ HOOHU I|UVlNULQJVVN\GGHW L HWW VnGDQW DYWDO HOOHU SDNHW VRP DYVHV L † VNLOMHU VLJ IUnQ GHQ ULVN HOOHU GHW I|UVlNULQJVVN\GG VRP EHVWnQGVGHODUQD PHGI|U YDU I|U VLJ VND GLVWULEXW|UHQ JH NXQGHQ HQ DGHNYDW EHVNULYQLQJ DY GH ROLND EHVWnQGVGHODUQD L DYWDOHW HOOHU SDNHWHW RFK DY Sn YLONHW VlWW GHUDV LQE|UGHV VDPVSHO NDQ SnYHUND ULVNHQ HOOHU I|UVlNULQJVVN\GGHW

6N\OGLJKHW DWW YLGDUHEHIRUGUD LQIRUPDWLRQ

† (Q I|UVlNULQJVI|UPHGODUH VND WLOO NXQGHQ YLGDUHEHIRUGUD VnGDQ LQIRUPDWLRQ RP I|UVlNULQJVDYWDOHW VRP HWW I|UVlNULQJVI|UHWDJ lU VN\OGLJW DWW OlPQD WLOO HQ I|UVlNULQJVWDJDUH

'RNXPHQWDWLRQVVN\OGLJKHW

† (Q I|UVlNULQJVGLVWULEXW|U VND GRNXPHQWHUD YDG VRP I|UHNRPPLW YLG GLVWULEXWLRQVWLOOIlOOHW RFK OlPQD GRNXPHQWDWLRQHQ WLOO NXQGHQ

8QGDQWDJ IUnQ LQIRUPDWLRQVSOLNWHQ

† %HVWlPPHOVHUQD L ± †† JlOOHU LQWH YLG GLVWULEXWLRQVYHUNVDPKHW PHG DQNQ\WQLQJ WLOO I|UVlNULQJDU PRW VWRUD

ULVNHU GLVWULEXWLRQ DY nWHUI|UVlNULQJ HOOHU

VnGDQ VLGRYHUNVDPKHW VRP DYVHV L NDS †

3nI|OMG YLG XWHEOLYHQ LQIRUPDWLRQ

† 2P LQIRUPDWLRQ LQWH WLOOKDQGDKnOOV L HQOLJKHW PHG ± †† VND lYHQ PDUNQDGVI|ULQJVODJHQ WLOOlPSDV PHG XQGDQWDJ DY EHVWlPPHOVHUQD L ± †† RP PDUNQDGVVW|UQLQJVDYJLIW 6nGDQ LQIRU PDWLRQ VND DQVHV YDUD YlVHQWOLJ HQOLJW † WUHGMH VW\FNHW PDUNQDGV I|ULQJVODJHQ

%HP\QGLJDQGHQ

† 5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU PHGGHOD I|UHVNULIWHU RP

I|UVlNULQJVGLVWULEXW|UHUV LQIRUPDWLRQVVN\OGLJKHW HQOLJW ± †† YLOND NUDY VRP VND JlOOD L IUnJD RP XWIRUPQLQJHQ DY RFK LQQHKnOOHW L

SURGXNWIDNWDEODG HQOLJW † YLOND IRUPNUDY VRP VND JlOOD I|U LQIRUPDWLRQHQ HQOLJW † YDG HQ I|UVlNULQJVGLVWULEXW|U VND LDNWWD I|U DWW IXOOJ|UD VN\OGLJKHWHQ

HQOLJW †

opaginerad YLOND LQIRUPDWLRQVNUDY VRP VND JlOOD YLG NRUVI|UVlOMQLQJ HQOLJW RFK †† RFK Kontrollera mot PDF

YLOND LQIRUPDWLRQVNUDY VRP VND JlOOD YLG NRUVI|UVlOMQLQJ HQOLJW RFK †† RFK

YDG HQ I|UVlNULQJVGLVWULEXW|U VND LDNWWD QlU GHW JlOOHU GRNXPHQWDWLRQ DY I|UVlNULQJVGLVWULEXWLRQHQ RFK XWOlPQDQGH DY VnGDQ GRNXPHQWDWLRQ HQOLJW †

NDS <WWHUOLJDUH NUDY YLG GLVWULEXWLRQ DY

I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU

7LOOlPSQLQJVRPUnGH I|U \WWHUOLJDUH NUDY

† 'HW VRP DQJHV L GHWWD NDSLWHO JlOOHU QlU I|UVlNULQJVGLVWULEXWLRQ DYVHU I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU

)|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU InU LQWH GLVWULEXHUDV DY VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH

)|UHE\JJDQGH DY LQWUHVVHNRQIOLNWHU

† (Q I|UVlNULQJVGLVWULEXW|U VND IDVWVWlOOD RFK WLOOlPSD HIIHNWLYD RUJDQLVDWRULVND RFK DGPLQLVWUDWLYD I|UIDUDQGHQ Vn DWW DOOD ULPOLJD nWJlUGHU YLGWDV I|U DWW I|UKLQGUD DWW NXQGHUQDV LQWUHVVHQ SnYHUNDV QHJDWLYW DY LQWUHVVHNRQIOLNWHU

+DQWHULQJ DY LQWUHVVHNRQIOLNWHU

† (Q I|UVlNULQJVGLVWULEXW|U VND YLGWD DOOD OlPSOLJD nWJlUGHU I|U DWW LGHQWLILHUD I|UKLQGUD RFK KDQWHUD GH LQWUHVVHNRQIOLNWHU VRP NDQ XSSNRPPD PHOODQ GLVWULEXW|UHQ HQ DQNQXWHQ I|UVlNULQJVI|UPHGODUH HOOHU QnJRQ QlUVWnHQGH SHUVRQ WLOO GHP RFK HQ NXQG HOOHU PHOODQ NXQGHU L VDPEDQG PHG I|UVlNULQJVGLVWULEXWLRQ RFK WLOOKDQGDKnOODQGH DY VLGRWMlQVWHU LQNOXVLYH VnGDQD VRP RUVDNDV DY HUVlWWQLQJDU HOOHU I|UPnQHU IUnQ DQQDQ lQ NXQGHQ GLVWULEXW|UHQV HJHW HUVlWWQLQJVV\VWHP HOOHU DQGUD LQFLWDPHQWVVWUXNWXUHU

2P GH I|UIDUDQGHQ VRP HQ I|UVlNULQJVGLVWULEXW|U KDU IDVWVWlOOW RFK WLOOlPSDU HQOLJW † RFK GH nWJlUGHU VRP YLGWDJLWV HQOLJW I|UVWD VW\FNHW LQWH UlFNHU I|U DWW I|UKLQGUD DWW NXQGHUQDV LQWUHVVHQ NDQ NRPPD DWW SnYHUNDV QHJDWLYW VND GLVWULEXW|UHQ LQIRUPHUD NXQGHQ RP DUWHQ DY HOOHU NlOODQ WLOO LQWUHVVHNRQIOLNWHQ L JRG WLG LQQDQ HWW I|UVlNULQJVDYWDO LQJnV

,QIRUPDWLRQHQ HQOLJW DQGUD VW\FNHW VND OlPQDV Sn HWW YDUDNWLJW PHGLXP RFK YDUD WLOOUlFNOLJW W\GOLJ RFK GHWDOMHUDG PHG KlQV\Q WLOO NXQGHQV DUW I|U DWW NXQGHQ VND NXQQD IDWWD HWW YlOJUXQGDW EHVOXW QlU GHW JlOOHU GHQ I|UVlNULQJVGLVWULEXWLRQ GlU LQWUHVVHNRQIOLNWHQ XSSVWnU

,QIRUPDWLRQ WLOO NXQGHU

Information om försäkringsdistributionen och om risker

† (Q I|UVlNULQJVGLVWULEXW|U VND I|UVH VLQD NXQGHU PHG OlPSOLJ RFK OlWWEHJULSOLJ LQIRUPDWLRQ HQOLJW RFK †† L JRG WLG LQQDQ HWW DYWDO LQJnV ,QIRUPDWLRQHQ VND JH NXQGHUQD ULPOLJD P|MOLJKHWHU DWW I|UVWn DUWHQ DY RFK YLOND ULVNHU VRP lU I|UNQLSSDGH PHG GHQ I|UVlNULQJVGLVWULEXWLRQ RFK

opaginerad GH I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU VRP I|UVlNULQJVGLVWULEX W|UHQ HUEMXGHU Kontrollera mot PDF

GH I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU VRP I|UVlNULQJVGLVWULEX W|UHQ HUEMXGHU

,QIRUPDWLRQ HQOLJW I|UVWD VW\FNHW InU OlPQDV L VWDQGDUGLVHUDG IRUP

Information vid alla typer av försäkringsdistribution

† (Q I|UVlNULQJVGLVWULEXW|U VND I|UVH NXQGHU PHG LQIRUPDWLRQ RP I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU RFK I|UHVODJQD

SODFHULQJVVWUDWHJLHU LQEHJULSHW YlJOHGQLQJ RP RFK YDUQLQJDU I|U GH ULVNHU VRP lU I|UNQLSSDGH PHG LQYHVWHULQJDU L I|UVlNULQJDUQD HOOHU SODFHULQJVVWUDWHJLHUQD RFK

DOOD NRVWQDGHU RFK DYJLIWHU I|UNQLSSDGH PHG GLVWULEXWLRQHQ DY GHQ I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHQ LQEHJULSHW NRVWQDGHUQD I|U HYHQWXHOO UnGJLYQLQJ RFK NRVWQDGHUQD I|U GHQ I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNW VRP UHNRPPHQGHUDV HOOHU PDUNQDGVI|UV WLOO NXQGHQ VDPW KXU NXQGHQ InU EHWDOD NRVWQDGHU RFK DYJLIWHU LQEHJULSHW HYHQWXHOOD EHWDOQLQJDU IUnQ WUHGMHSDUW

,QIRUPDWLRQHQ RP NRVWQDGHU RFK DYJLIWHU LQEHJULSHW NRVWQDGHU RFK DYJLIWHU VRP KDU VDPEDQG PHG GLVWULEXWLRQHQ DY GHQ I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHQ VRP LQWH RUVDNDV DY I|UHNRPVWHQ DY XQGHU OLJJDQGH PDUNQDGVULVN VND UlNQDV VDPPDQ Vn DWW NXQGHQ NDQ I|UVWn GHQ WRWDOD NRVWQDGHQ OLNVRP GHQ NXPXODWLYD HIIHNWHQ Sn LQYHVWHULQJHQV DYNDVWQLQJ 2P NXQGHQ EHJlU GHW VND HQ XSSGHOQLQJ SHU SRVW JHV ,QIRUPDWLRQHQ VND L I|UHNRPPDQGH IDOO JHV WLOO NXQGHQ UHJHOEXQGHW nWPLQVWRQH nUOLJHQ XQGHU LQYHVWHULQJHQV YDUDNWLJKHW

Ytterligare information när rådgivning tillhandahålls

† (Q I|UVlNULQJVGLVWULEXW|U VRP WLOOKDQGDKnOOHU UnGJLYQLQJ VND LQIRUPHUD NXQGHU RP

UnGJLYQLQJHQ WLOOKDQGDKnOOV Sn JUXQGYDO DY HQ RSDUWLVN RFK SHUVRQOLJ DQDO\V HOOHU LQWH

UnGJLYQLQJHQ lU EDVHUDG Sn HQ DOOPlQ HOOHU PHU EHJUlQVDG DQDO\V DY ROLND I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU RFK VlUVNLOW RP XUYDOHW RPIDWWDU HOOHU lU EHJUlQVDW WLOO I|UVlNULQJDU KHOW HOOHU GHOYLV XWYHFNODGH DY I|UVlNULQJVGLVWULEXW|UHQ I|UHWDJ VRP GLVWULEXW|UHQ KDU QlUD I|UELQGHOVHU PHG HOOHU DQGUD I|UHWDJ VRP GLVWULEXW|UHQ KDU HWW VnGDQW UlWWVOLJW HOOHU HNRQRPLVNW I|UKnOODQGH WLOO DWW GHW NDQ I|UVlPUD I|UXWVlWWQLQJDUQD I|U GLVWULEXW|UHQ DWW WLOOYDUDWD NXQGHQV LQWUHVVHQ RFK

I|UVlNULQJVGLVWULEXW|UHQ UHJHOEXQGHW NRPPHU DWW EHG|PD OlPSOLJKHWHQ DYVHHQGH GH I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU VRP UHNRPPHQGHUDV NXQGHQ

(UVlWWQLQJDU WLOO RFK IUnQ WUHGMHSDUW

† (Q I|UVlNULQJVGLVWULEXW|U InU L VDPEDQG PHG GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU HOOHU HQ VLGRWMlQVW HUEMXGD HOOHU WD HPRW HUVlWWQLQJ IUnQ QnJRQ DQQDQ lQ NXQGHQ EDUD RP

HUVlWWQLQJHQ LQWH KDU QnJRQ QHJDWLY LQYHUNDQ Sn GHQ UHOHYDQWD WMlQVWHQ HOOHU GHQ GLVWULEXHUDGH I|UVlNULQJVSURGXNWHQ RFK

opaginerad WLOO YlVHQWOLJ GHO DYVHU WMlQVWHU VRP lQQX LQWH XWI|UWV Kontrollera mot PDF

GHQ LQWH I|UVlPUDU I|UVlNULQJVGLVWULEXW|UHQV I|UXWVlWWQLQJDU DWW XSSI\OOD VLQD VN\OGLJKHWHU DWW DJHUD KHGHUOLJW UlWWYLVW RFK SURIHVVLRQHOOW L HQOLJKHW PHG NXQGHQV ElVWD LQWUHVVH

† (Q I|UVlNULQJVGLVWULEXW|U InU L VDPEDQG PHG GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU HOOHU HQ VLGRWMlQVW LQWH HUEMXGD HOOHU WD HPRW HUVlWWQLQJ IUnQ QnJRQ DQQDQ lQ NXQGHQ VRP

WLOO YlVHQWOLJ GHO DYVHU WMlQVWHU VRP lQQX LQWH XWI|UWV

WLOO VLQ VWRUOHN EDVHUDV Sn SUHPLHEHWDOQLQJDU VRP lQQX LQWH EHWDODWV HOOHU

L DQQDW IDOO lQ GH VRP DYVHV L RFK lU DY VnGDQ VWRUOHN DWW GHQ VWnU L XSSHQEDUW PLVVI|UKnOODQGH WLOO GH WMlQVWHU VRP XWI|UV

.UDY Sn OlPSOLJKHWVEHG|PQLQJ QlU UnGJLYQLQJ WLOOKDQGDKnOOV

† (Q I|UVlNULQJVGLVWULEXW|U VND QlU UnGJLYQLQJ RP HQ I|UVlNULQJV EDVHUDG LQYHVWHULQJVSURGXNW WLOOKDQGDKnOOV KlPWD LQ Q|GYlQGLJD XSSJLIWHU IUnQ NXQGHQ RP GHQQHV NXQVNDSHU RFK HUIDUHQKHWHU DY GHQ VSHFLILND W\SHQ DY SURGXNW HOOHU WMlQVW VDPW RP GHQQHV HNRQRPLVND VLWXDWLRQ RFK PnO PHG LQYHVWHULQJHQ Vn DWW GLVWULEXW|UHQ NDQ UHNRPPHQGHUD NXQGHQ GH I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU VRP lU OlPSOLJD I|U GHQQH

8SSJLIWHUQD RP NXQGHQV HNRQRPLVND VLWXDWLRQ RFK LQYHVWHULQJVPnO VND YDUD WLOOUlFNOLJD I|U DWW I|UVlNULQJVGLVWULEXW|UHQ VND NXQQD J|UD HQ EHG|PQLQJ DY RFK VlUVNLOW EHDNWD NXQGHQV P|MOLJKHW DWW NODUD DY I|UOXVWHU RFK NXQGHQV ULVNWROHUDQV

2P HQ I|UVlNULQJVGLVWULEXW|U NRUVI|UVlOMHU UnGJLYQLQJ RP HQ I|UVlNULQJVEDVHUDG LQYHVWHULQJVSURGXNW WLOOVDPPDQV PHG LQYHVWHULQJV UnGJLYQLQJ HQOLJW NDS F † ODJHQ RP YlUGHSDSSHUV PDUNQDGHQ Sn VlWW VRP DYVHV L NDS RFK †† VND GLVWULEXW|UHQ EHG|PD OlPSOLJKHWHQ DY |YHUHQVNRPPHOVHQ HOOHU SDNHWHW VRP KHOKHW

.UDY Sn SDVVDQGHEHG|PQLQJ QlU UnGJLYQLQJ LQWH WLOOKDQGDKnOOV

† (Q I|UVlNULQJVGLVWULEXW|U VND QlU QnJRQ DQQDQ I|UVlNULQJV GLVWULEXWLRQ lQ VnGDQ VRP DYVHV L † WLOOKDQGDKnOOV EHJlUD DWW NXQGHQ OlPQDU XSSJLIWHU RP VLQD NXQVNDSHU RFK HUIDUHQKHWHU DY GHQ HUEMXGQD HOOHU HIWHUIUnJDGH W\SHQ DY SURGXNW HOOHU WMlQVW Vn DWW GLVWULEXW|UHQ NDQ EHG|PD RP GHQ WLOOKDQGDKnOOQD I|UVlNULQJVWMlQVWHQ HOOHU I|UVlNULQJV SURGXNWHQ SDVVDU NXQGHQ 2P GHQ WMlQVWHQ DYVHU HQ NRPELQDWLRQ DY WMlQVWHU HOOHU SURGXNWHU VRP DYVHV L NDS RFK †† VND EHG|PQLQJHQ DYVH |YHUHQVNRPPHOVHQ HOOHU SDNHWHW VRP KHOKHW

(Q I|UVlNULQJVGLVWULEXW|U VND PRW EDNJUXQG DY GH XSSJLIWHU VRP OlPQDWV HQOLJW I|UVWD VW\FNHW YDUQD NXQGHQ L GH IDOO WMlQVWHQ HOOHU SURGXNWHQ LQWH SDVVDU NXQGHQ

(Q I|UVlNULQJVGLVWULEXW|U VND RP HQ NXQG LQWH OlPQDU XSSJLIWHU HQOLJW I|UVWD VW\FNHW HOOHU OlPQDU RIXOOVWlQGLJD XSSJLIWHU YDUQD NXQGHQ RP DWW GLVWULEXW|UHQ LQWH NDQ DYJ|UD RP SURGXNWHQ SDVVDU NXQGHQ

9DUQLQJ HQOLJW DQGUD RFK WUHGMH VW\FNHQD InU OlPQDV L VWDQGDUGLVHUDG IRUP

opaginerad 8QGDQWDJ IUnQ NUDY Sn SDVVDQGHEHG|PQLQJ Kontrollera mot PDF

8QGDQWDJ IUnQ NUDY Sn SDVVDQGHEHG|PQLQJ

† (Q I|UVlNULQJVGLVWULEXW|U InU WLOOKDQGDKnOOD DQQDQ I|UVlNULQJV GLVWULEXWLRQ lQ VnGDQ VRP DYVHV L † XWDQ DWW XSSI\OOD NUDYHQ L † RP GLVWULEXWLRQHQ DYVHU QnJRQ DY I|OMDQGH I|UVlNULQJVEDVHUDGH

LQYHVWHULQJVSURGXNWHU

D I|UVlNULQJVDYWDO VRP HQGDVW JHU LQYHVWHULQJVH[SRQHULQJ PRW VnGDQD ILQDQVLHOOD LQVWUXPHQW VRP DYVHV L NDS † I|UVWD VW\FNHW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ RFK VRP LQWH LQQHKnOOHU HQ VWUXNWXU VRP J|U GHW VYnUW I|U NXQGHQ DWW I|UVWn GHQ ULVN VRP DYWDOHW lU I|UHQDG PHG HOOHU

E RNRPSOLFHUDGH I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU I|UVlNULQJVGLVWULEXWLRQHQ WLOOKDQGDKnOOV Sn NXQGHQV LQLWLDWLY RFK NXQGHQ NODUW RFK W\GOLJW KDU LQIRUPHUDWV RP DWW I|UVlNULQJV

GLVWULEXW|UHQ LQWH NRPPHU DWW EHG|PD RP GHQ HUEMXGQD HOOHU WLOOKDQGD KnOOQD I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHQ HOOHU GHQ WLOOKDQGD KnOOQD HOOHU HUEMXGQD I|UVlNULQJVGLVWULEXWLRQHQ SDVVDU NXQGHQ

,QIRUPDWLRQ HQOLJW I|UVWD VW\FNHW InU OlPQDV L VWDQGDUGLVHUDG IRUP 2P HQ NUHGLW EHYLOMDV L VDPEDQG PHG I|UVlNULQJVGLVWULEXWLRQHQ I|U DWW NXQGHQ JHQRP I|UVlNULQJVGLVWULEXW|UHQ VND NXQQD JHQRPI|UD HQ GLVSRVLWLRQ L HWW HOOHU IOHUD I|UVlNULQJVDYWDO VND GLVWULEXW|UHQ XSSI\OOD YDG

VRP NUlYV HQOLJW †

'RNXPHQWDWLRQ RFK UDSSRUWHULQJ WLOO NXQGHU

† (Q I|UVlNULQJVGLVWULEXW|U VND GRNXPHQWHUD YDG GLVWULEXW|UHQ RFK HQ NXQG KDU NRPPLW |YHUHQV RP QlU GHW JlOOHU SDUWHUQDV UlWWLJKHWHU RFK VN\OGLJKHWHU VDPW |YULJD YLOONRU I|U GH WMlQVWHU VRP GLVWULEXW|UHQ VND XWI|UD I|U NXQGHQ

† (Q I|UVlNULQJVGLVWULEXW|U VND Sn HWW YDUDNWLJW PHGLXP OlPQD HQ WLOOIUHGVVWlOODQGH UDSSRUWHULQJ WLOO HQ NXQG RP GH WMlQVWHU VRP GLVWULEXW|UHQ KDU XWI|UW I|U NXQGHQ 5DSSRUWHULQJHQ VND L I|UHNRPPDQGH IDOO LQQHKnOOD OlPSOLJD UHJHOEXQGQD PHGGHODQGHQ RFK XSSJLIWHU RP NRVWQDGHUQD I|U GH GLVSRVLWLRQHU RFK WMlQVWHU VRP KDU XWI|UWV I|U NXQGHQV UlNQLQJ

† (Q I|UVlNULQJVGLVWULEXW|U VRP WLOOKDQGDKnOOHU UnGJLYQLQJ VND Sn HWW YDUDNWLJW PHGLXP OlPQD HQ NXQG HQ WLOOIUHGVVWlOODQGH GRNXPHQWDWLRQ VRP VSHFLILFHUDU YLONHW UnG NXQGHQ KDU InWW RFK KXU UnGHW PRWVYDUDU NXQGHQV SUHIHUHQVHU PnO RFK DQGUD HJHQVNDSHU OlPSOLJKHWVI|UNODULQJ 'RNXPHQWDWLRQHQ VND OlPQDV LQQDQ HWW DYWDO LQJnV RP LQWH YLOONRUHQ L DQGUD VW\FNHW lU XSSI\OOGD

2P HWW DYWDO LQJnV PHG KMlOS DY HQ WHNQLN I|U GLVWDQVNRPPXQLNDWLRQ VRP KLQGUDU DWW GRNXPHQWDWLRQHQ OlPQDV L I|UYlJ InU I|UVlNULQJV GLVWULEXW|UHQ OlPQD OlPSOLJKHWVI|UNODULQJHQ VQDUDVW HIWHU GHW DWW DYWDOHW KDU LQJnWWV RP

NXQGHQ KDU JHWW VLWW VDPW\FNH WLOO DWW In OlPSOLJKHWVI|UNODULQJHQ XWDQ RQ|GLJW GU|MVPnO HIWHU GHW DWW DYWDOHW LQJnWWV RFK

I|UVlNULQJVGLVWULEXW|UHQ KDU HUEMXGLW NXQGHQ P|MOLJKHWHQ DWW VHQDUH

OlJJD LQJnHQGHW DY DYWDOHW Vn DWW NXQGHQ I|UVW NDQ In OlPSOLJKHWV

I|UNODULQJHQ

opaginerad NDS <WWHUOLJDUH NUDY YLG GLVWULEXWLRQ DY YLVVD Kontrollera mot PDF

2P HQ I|UVlNULQJVGLVWULEXW|U KDU LQIRUPHUDW HQ NXQG RP DWW

GLVWULEXW|UHQ NRPPHU DWW XWI|UD HQ UHJHOEXQGHQ OlPSOLJKHWVEHG|PQLQJ

VND GHQ UHJHOEXQGQD UDSSRUWHULQJHQ LQQHKnOOD HQ XSSGDWHUDG I|UNODULQJ

WLOO KXU GHQ I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHQ PRWVYDUDU

NXQGHQV SUHIHUHQVHU PnO RFK DQGUD HJHQVNDSHU

%HP\QGLJDQGHQ

† 5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU PHGGHOD I|UHVNULIWHU RP

YLOND nWJlUGHU I|UVlNULQJVGLVWULEXW|UHU ULPOLJHQ NDQ I|UYlQWDV JHQRPI|UD RFK GRNXPHQWHUD HQOLJW RFK †† I|U DWW I|UHE\JJD LGHQWLILHUD KDQWHUD RFK LQIRUPHUD RP LQWUHVVHNRQIOLNWHU QlU GH EHGULYHU I|UVlNULQJVGLVWULEXWLRQ

OlPSOLJD NULWHULHU I|U EHVWlPQLQJ DY YLOND W\SHU DY LQWUHVVHNRQIOLNWHU VRP ULVNHUDU DWW QHJDWLYW SnYHUND I|UVlNULQJVGLVWULEXW|UHUV NXQGHUV LQWUHVVHQ VRP DYVHV L †

YLONHQ LQIRUPDWLRQ HQ I|UVlNULQJVGLVWULEXW|U VND OlPQD WLOO VLQD NXQGHU HQOLJW ± ††

NULWHULHUQD I|U DWW EHG|PD YLOND HUVlWWQLQJDU RFK I|UPnQHU HQ I|UVlNULQJVGLVWULEXW|U InU OlPQD WLOO HOOHU WD HPRW DY QnJRQ DQQDQ lQ NXQGHQ VDPW YLOND XSSJLIWHU VRP VND OlPQDV WLOO NXQGHQ RP HUVlWWQLQJDU RFK I|UPnQHU VRP GLVWULEXW|UHQ OlPQDU WLOO HOOHU WDU HPRW DY QnJRQ DQQDQ lQ NXQGHQ HQOLJW RFK ††

YDG HQ I|UVlNULQJVGLVWULEXW|U VND LDNWWD YLG LQKlPWDQGH DY XSSJLIWHU RFK HQ SU|YQLQJ HQOLJW RFK ††

YLOND I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU VRP VND DQVHV KD HQ VWUXNWXU VRP J|U GHW VYnUW I|U NXQGHQ DWW I|UVWn GHQ ULVN VRP DYWDOHW lU I|UHQDW PHG HQOLJW † I|UVWD VW\FNHW D VDPW VND DQVHV RNRPSOLFHUDGH HQOLJW † I|UVWD VW\FNHW E RFK

GRNXPHQWDWLRQ RFK UDSSRUWHULQJ WLOO NXQGHU HQOLJW ± ††

NDS <WWHUOLJDUH NUDY YLG GLVWULEXWLRQ DY YLVVD

SHQVLRQVI|UVlNULQJDU

7LOOlPSQLQJVRPUnGH I|U \WWHUOLJDUH NUDY

† 'HW VRP DQJHV L GHWWD NDSLWHO JlOOHU QlU I|UVlNULQJVGLVWULEXWLRQ DYVHU SHQVLRQVI|UVlNULQJDU VRP KDU HWW I|UIDOOR HOOHU nWHUN|SVYlUGH VRP KHOW HOOHU GHOYLV lU GLUHNW HOOHU LQGLUHNW H[SRQHUDW PRW PDUNQDGVYRODWLOLWHW 3HQVLRQVI|UVlNULQJDU VRP RPIDWWDV DY I|UVWD VW\FNHW InU LQWH

GLVWULEXHUDV DY VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH

(Q I|UVlNULQJVGLVWULEXW|U VRP EHGULYHU I|UVlNULQJVGLVWULEXWLRQ VRP DYVHU SHQVLRQVI|UVlNULQJDU VRP RPIDWWDV DY I|UVWD VW\FNHW VND L GHQQD YHUNVDPKHW WLOOlPSD NDS ± RFK ± ††

%HP\QGLJDQGHQ

† 5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU PHGGHOD I|UHVNULIWHU L IUnJD RP GLVWULEXWLRQ DY SHQVLRQVI|UVlNULQJDU VRP RPIDWWDV DY GHWWD NDSLWHO DYVHHQGH

opaginerad YLOND nWJlUGHU VRP I|UVlNULQJVGLVWULEXW|UHU ULPOLJHQ NDQ I|UYlQWDV Kontrollera mot PDF

YLOND nWJlUGHU VRP I|UVlNULQJVGLVWULEXW|UHU ULPOLJHQ NDQ I|UYlQWDV

JHQRPI|UD RFK GRNXPHQWHUD HQOLJW NDS RFK †† I|U DWW I|UHE\JJD LGHQWLILHUD KDQWHUD RFK LQIRUPHUD RP LQWUHVVHNRQIOLNWHU QlU GH EHGULYHU I|UVlNULQJVGLVWULEXWLRQ

OlPSOLJD NULWHULHU I|U EHVWlPQLQJ DY YLOND W\SHU DY LQWUHVVHNRQIOLNWHU VRP ULVNHUDU DWW QHJDWLYW SnYHUND I|UVlNULQJVGLVWULEXW|UHUV NXQGHUV LQWUHVVHQ VRP DYVHV L NDS †

NULWHULHUQD I|U DWW EHG|PD YLOND HUVlWWQLQJDU RFK I|UPnQHU HQ I|UVlNULQJVGLVWULEXW|U InU OlPQD WLOO HOOHU WD HPRW DY QnJRQ DQQDQ lQ NXQGHQ VDPW YLOND XSSJLIWHU VRP VND OlPQDV WLOO NXQGHQ RP HUVlWWQLQJDU RFK I|UPnQHU VRP GLVWULEXW|UHQ OlPQDU WLOO HOOHU WDU HPRW DY QnJRQ DQQDQ lQ NXQGHQ HQOLJW NDS RFK ††

YDG HQ I|UVlNULQJVGLVWULEXW|U VND LDNWWD YLG LQKlPWDQGH DY XSSJLIWHU RFK HQ SU|YQLQJ HQOLJW NDS †

GRNXPHQWDWLRQ RFK UDSSRUWHULQJ WLOO NXQGHU HQOLJW NDS ± †† RFK

Q|GYlQGLJD XQGDQWDJ IUnQ GH VN\OGLJKHWHU VRP DQJHV L † PHG KlQV\Q WDJHQ WLOO GHQ UHOHYDQWD PDUNQDGHQV IXQNWLRQ RFK PHG EHDNWDQGH DY VN\GGHW I|U NXQGHU

NDS 7LOOV\Q

5HJLVWUHULQJVP\QGLJKHW

† %RODJVYHUNHW lU UHJLVWUHULQJVP\QGLJKHW I|U I|UVlNULQJVI|UPHGODUH RFK I|U XWOlQGVND I|UVlNULQJVI|UPHGODUH VRP DYVHV L NDS † +RV YHUNHW I|UV UHJLVWHU |YHU I|UVlNULQJVI|UPHGODUH GlU GH XSSJLIWHU VRP HQOLJW ODJ HOOHU DQGUD I|UIDWWQLQJDU VND WDV LQ L UHJLVWHU VNULYV LQ

)|U UHJLVWUHULQJ DY ILOLDOHU WLOO XWOlQGVND I|UVlNULQJVI|UPHGODUH JlOOHU ODJHQ RP XWOlQGVND ILOLDOHU P P

† 2P HQ V|NDQGH YLG DQPlODQ I|U UHJLVWUHULQJ LQWH KDU I|OMW YDG VRP lU I|UHVNULYHW RP DQPlODQ HOOHU RP GHW ILQQV QnJRW DQQDW KLQGHU I|U UHJLVWUHULQJ VND %RODJVYHUNHW I|UHOlJJD V|NDQGHQ DWW LQRP YLVV WLG \WWUD VLJ HOOHU J|UD UlWWHOVH 2P I|UHOlJJDQGHW LQWH I|OMV VND DQPlODQ DY VNULYDV (Q XSSO\VQLQJ RP GHQQD SnI|OMG VND WDV LQ L I|UHOlJJDQGHW 2P GHW IRUWIDUDQGH ILQQV KLQGHU I|U UHJLVWUHULQJ lYHQ HIWHU GHW DWW \WWUDQGH KDU OlPQDWV VND V|NDQGHQ JHV WLOOIlOOH DWW \WWUD VLJ |YHU KLQGUHW )LQQV KLQGUHW lQGn NYDU VND UHJLVWUHULQJ YlJUDV RP GHW LQWH ILQQV DQOHGQLQJ DWW JH V|NDQGHQ HWW Q\WW I|UHOlJJDQGH

7LOOV\QHQ RFK GHVV RPIDWWQLQJ

† )LQDQVLQVSHNWLRQHQ KDU WLOOV\Q |YHU DWW GHQ VRP L 6YHULJH EHGULYHU I|UVlNULQJVGLVWULEXWLRQ I|OMHU GHQQD ODJ RFK DQGUD I|UIDWWQLQJDU VRP UHJOHUDU I|UVlNULQJVGLVWULEXW|UHQV YHUNVDPKHW

)LQDQVLQVSHNWLRQHQ KDU GlUXW|YHU WLOOV\Q |YHU VYHQVND I|UVlNULQJV GLVWULEXW|UHU VRP EHGULYHU I|UVlNULQJVGLVWULEXWLRQ L HWW DQQDW ODQG LQRP ((6 HQOLJW NDS HOOHU †

opaginerad 8SSO\VQLQJDU RFK XQGHUV|NQLQJDU Kontrollera mot PDF

† 2P )LQDQVLQVSHNWLRQHQ HQOLJW HQ |YHUHQVNRPPHOVH PHG HQ EHK|ULJ P\QGLJKHW L HWW DQQDW ODQG LQRP ((6 KDU WDJLW |YHU DQVYDUHW I|U WLOOV\QHQ |YHU HQ ((6 I|UVlNULQJVI|UPHGODUH VRP KDU VLWW KXYXGVDNOLJD YHUNVDP KHWVVWlOOH L 6YHULJH VND )LQDQVLQVSHNWLRQHQ KD WLOOV\Q |YHU GHQ I|UPHG ODUHQV YHUNVDPKHW VRP EHGULYV L 6YHULJH

2P )LQDQVLQVSHNWLRQHQ WUlIIDU HQ |YHUHQVNRPPHOVH HQOLJW I|UVWD VW\FNHW HOOHU HQ |YHUHQVNRPPHOVH RP DWW HQ EHK|ULJ P\QGLJKHW L HWW DQQDW ODQG LQRP ((6 VND KD WLOOV\Q |YHU HQ VYHQVN I|UVlNULQJVI|UPHGODUH VRP KDU VLWW KXYXGVDNOLJD YHUNVDPKHWVVWlOOH L GHW ODQGHW VND )LQDQV LQVSHNWLRQHQ GlUHIWHU IDWWD HWW EHVOXW L HQOLJKHW PHG |YHUHQVNRPPHOVHQ

)LQDQVLQVSHNWLRQHQ VND XQGHUUlWWD GHQ EHU|UGD I|UVlNULQJVI|UPHGODUHQ RFK (XURSHLVND I|UVlNULQJV RFK WMlQVWHSHQVLRQVP\QGLJKHWHQ RP LQVSHN WLRQHQ LQJnU HQ LQWHUQDWLRQHOO |YHUHQVNRPPHOVH RP |YHUI|ULQJ DY WLOO V\QVDQVYDU

8SSO\VQLQJDU RFK XQGHUV|NQLQJDU

† )|UVlNULQJVGLVWULEXW|UHU ((6 I|UVlNULQJVI|UPHGODUH RFK I|UVlN ULQJVI|UPHGODUH IUnQ WUHGMHODQG VRP XW|YDU YHUNVDPKHW L 6YHULJH HQOLJW NDS HOOHU † lU VN\OGLJD DWW WLOO )LQDQVLQVSHNWLRQHQ OlPQD GH XSS O\VQLQJDU RP VLQ YHUNVDPKHW RFK GlUPHG VDPPDQKlQJDQGH IUnJRU VRP LQVSHNWLRQHQ EHJlU

)LQDQVLQVSHNWLRQHQ InU QlU GHQ DQVHU DWW GHW lU Q|GYlQGLJW JHQRPI|UD HQ XQGHUV|NQLQJ KRV HQ I|UVlNULQJVGLVWULEXW|U HOOHU HQ ILOLDO WLOO HQ VnGDQ ((6 I|UVlNULQJVI|UPHGODUH HOOHU I|UVlNULQJVI|UPHGODUH IUnQ WUHGMHODQG VRP DYVHV L NDS † I|UVWD VW\FNHW HOOHU †

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU NDQ PHG VW|G DY NDS † UHJHULQJVIRUPHQ PHGGHOD I|UHVNULIWHU RP DWW YLVVD XSSJLIWHU VRP HQOLJW I|UVWD VW\FNHW VND OlPQDV WLOO )LQDQVLQVSHNWLRQHQ L VWlOOHW VND OlPQDV WLOO 6WDWLVWLVND FHQWUDOE\UnQ

† 1lU HQ I|UVlNULQJVI|UPHGODUH InU NlQQHGRP RP DWW DNWLHU HOOHU DQGHODU L I|UHWDJHW KDU I|UYlUYDWV HOOHU DY\WWUDWV Sn HWW VnGDQW VlWW DWW LQQH KDYHW XWJ|U HOOHU XSSK|U DWW YDUD HWW NYDOLILFHUDW LQQHKDY VND I|UPHGODUHQ VQDUDVW DQPlOD I|UYlUYHW HOOHU DY\WWULQJHQ WLOO )LQDQVLQVSHNWLRQHQ

1lU HQ I|UVlNULQJVI|UPHGODUH L DQQDW IDOO InU NlQQHGRP RP DWW GHQ KDU QlUD I|UELQGHOVHU PHG QnJRQ DQQDQ VND I|UPHGODUHQ VQDUDVW DQPlOD GHW WLOO )LQDQVLQVSHNWLRQHQ

1lU HQ DQNQXWHQ VLGRYHUNVDP I|UVlNULQJVI|UPHGODUH HOOHU HQ DQNQXWHQ I|UVlNULQJVI|UPHGODUH VRP LQWH I|UPHGODU I|UVlNULQJVEDVHUDGH LQYHVW HULQJVSURGXNWHU HOOHU VnGDQD SHQVLRQVI|UVlNULQJDU VRP DYVHV L NDS † KDU QlUD I|UELQGHOVHU PHG QnJRQ DQQDQ VND GHW DQPlODV WLOO )LQDQV LQVSHNWLRQHQ

'HQ I|UVlNULQJVI|UPHGODUH VRP KDU DQPlOW HQ DQQDQ I|UVlNULQJV I|UPHGODUH HOOHU GHW I|UVlNULQJVI|UHWDJ VRP KDU DQPlOW HQ I|UVlNULQJV I|UPHGODUH I|U UHJLVWUHULQJ KRV %RODJVYHUNHW VND J|UD DQPlODQ HQOLJW DQGUD VW\FNHW VQDUDVW QlU I|UPHGODUHQ HOOHU I|UHWDJHW InU NlQQHGRP RP GHQ QlUD I|UELQGHOVHQ

opaginerad 6DPDUEHWH PHG EHK|ULJD P\QGLJKHWHU Kontrollera mot PDF

6DPDUEHWH PHG EHK|ULJD P\QGLJKHWHU

† )LQDQVLQVSHNWLRQHQ VND L VLQ WLOOV\QVYHUNVDPKHW VDPDUEHWD RFK XWE\WD LQIRUPDWLRQ PHG EHK|ULJD P\QGLJKHWHU (XURSHLVND NRPPLV VLRQHQ RFK (XURSHLVND I|UVlNULQJV RFK WMlQVWHSHQVLRQVP\QGLJKHWHQ L GHQ XWVWUlFNQLQJ VRP I|OMHU DY 6YHULJHV PHGOHPVNDS L (XURSHLVND XQLRQHQ

7\VWQDGVSOLNW

† 'HQ VRP lU HOOHU KDU YDULW NQXWHQ WLOO HQ I|UVlNULQJVGLVWULEXW|U VRP DQVWlOOG HOOHU XSSGUDJVWDJDUH InU LQWH REHK|ULJHQ U|MD XSSJLIWHU L HQ DQPlODQ HOOHU HQ XWVDJD RP HQ PLVVWlQNW |YHUWUlGHOVH DY HQ EHVWlPPHOVH VRP JlOOHU I|U YHUNVDPKHWHQ RP XSSJLIWHQ NDQ DYVO|MD DQPlODUHQV HOOHU GHQ XWSHNDGH SHUVRQHQV LGHQWLWHW

, GHW DOOPlQQDV YHUNVDPKHW WLOOlPSDV L VWlOOHW EHVWlPPHOVHUQD L RIIHQWOLJKHWV RFK VHNUHWHVVODJHQ

5HYLVRU

† 2P HQ I|UVlNULQJVI|UPHGODUH HQOLJW ODJ VND XWVH UHYLVRU InU )LQDQV LQVSHNWLRQHQ I|URUGQD HQ UHYLVRU DWW PHG |YULJD UHYLVRUHU GHOWD L UHYLVLRQ HQ DY I|UVlNULQJVI|UPHGODUHQ ,QVSHNWLRQHQ InU QlU VRP KHOVW nWHUNDOOD HWW VnGDQW I|URUGQDQGH RFK XWVH HQ Q\ UHYLVRU

5HYLVRUQ KDU UlWW WLOO VNlOLJW DUYRGH DY I|UVlNULQJVI|UPHGODUHQ I|U VLWW DUEHWH $UYRGHWV VWRUOHN EHVWlPV DY )LQDQVLQVSHNWLRQHQ

$YJLIWHU WLOO )LQDQVLQVSHNWLRQHQ

† )|UVlNULQJVGLVWULEXW|UHU ((6 I|UVlNULQJVI|UPHGODUH PHG HQ ILOLDO L 6YHULJH HQOLJW NDS † I|UVWD VW\FNHW RFK DQGUD XWOlQGVND I|UVlN ULQJVI|UPHGODUH VRP KDU LQUlWWDW ILOLDO L 6YHULJH HQOLJW NDS † VND PHG nUOLJD DYJLIWHU EHNRVWD )LQDQVLQVSHNWLRQHQV YHUNVDPKHW PHG DQNQ\WQLQJ WLOO GHQQD ODJ VDPW 6WDWLVWLVND FHQWUDOE\UnQV YHUNVDPKHW HQOLJW ODJHQ RP HQ GDWDEDV I|U |YHUYDNQLQJ DY RFK WLOOV\Q |YHU ILQDQV PDUNQDGHUQD

)LQDQVLQVSHNWLRQHQ InU WD XW DYJLIWHU I|U SU|YQLQJ DY DQV|NQLQJDU RFK DQPlOQLQJDU HQOLJW GHQQD ODJ

%HP\QGLJDQGHQ

† 5HJHULQJHQ InU PHGGHOD I|UHVNULIWHU RP VnGDQD DYJLIWHU VRP DYVHV L †

† 5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU PHGGHOD I|UHVNULIWHU RP YLOND XSSO\VQLQJDU HQ I|UVlNULQJVGLVWULEXW|U HQ ((6 I|UVlNULQJVI|UPHGODUH HOOHU HQ I|UVlNULQJVI|UPHGODUH IUnQ WUHGMH ODQG HQOLJW † VND OlPQD WLOO )LQDQVLQVSHNWLRQHQ I|U GHVV WLOOV\QVYHUN VDPKHW VDPW QlU RFK KXU GHVVD VND OlPQDV

opaginerad NDS ,QJULSDQGHQ Kontrollera mot PDF

NDS ,QJULSDQGHQ

,QJULSDQGH PRW I|UVlNULQJVGLVWULEXW|UHU RFK YLVVD I\VLVND SHUVRQHU

† 2P HQ I|UVlNULQJVGLVWULEXW|U KDU nVLGRVDWW VLQD VN\OGLJKHWHU HQOLJW GHQQD ODJ HOOHU DQGUD I|UIDWWQLQJDU VRP UHJOHUDU I|UVlNULQJVGLVWULEXW|UHQV YHUNVDPKHW VND )LQDQVLQVSHNWLRQHQ LQJULSD

)LQDQVLQVSHNWLRQHQ VND Gn XWIlUGD HWW I|UHOlJJDQGH DWW J|UD UlWWHOVH LQRP HQ YLVV WLG HWW I|UEXG DWW YHUNVWlOOD EHVOXW HOOHU HQ DQPlUNQLQJ 2P HQ I|UVlNULQJVGLVWULEXW|UV |YHUWUlGHOVH lU DOOYDUOLJ VND WLOOVWnQGHW nWHU NDOODV HOOHU RP GHW lU WLOOUlFNOLJW YDUQLQJ PHGGHODV

2P HQ VYHQVN I|UVlNULQJVI|UPHGODUH EHGULYHU I|UVlNULQJVGLVWULEXWLRQ L HWW DQQDW ODQG LQRP ((6 HQOLJW NDS HOOHU † RFK KDU nVLGRVDWW VLQD VN\OGLJKHWHU HQOLJW GHQ ODJ HOOHU DQGUD I|UIDWWQLQJDU VRP UHJOHUDU I|UVlN ULQJVI|UPHGODUHQV YHUNVDPKHW L GHW ODQGHW VND )LQDQVLQVSHNWLRQHQ HIWHU XQGHUUlWWHOVH IUnQ GHQ EHK|ULJD P\QGLJKHWHQ GlU LQJULSD PRW I|UPHG ODUHQ Sn VlWW VRP DQJHV L DQGUD VW\FNHW )LQDQVLQVSHNWLRQHQ VND XQGHU UlWWD GHQ EHK|ULJD P\QGLJKHWHQ L GHW ODQGHW RP YLOND nWJlUGHU VRP KDU YLGWDJLWV

2P HQ VYHQVN I|UVlNULQJVI|UPHGODUH KDU VLWW KXYXGVDNOLJD YHUNVDP KHWVVWlOOH L HWW DQQDW ODQG LQRP ((6 RFK RPIDWWDV DY HQ |YHUHQVNRPPHOVH RP DWW GHQ EHK|ULJD P\QGLJKHWHQ L GHW ODQGHW VND KD WLOOV\Q |YHU I|UPHG ODUHQ InU )LQDQVLQVSHNWLRQHQ LQJULSD HQGDVW JHQRP DWW XWIlUGD HQ DQPlUNQLQJ PHGGHOD HQ YDUQLQJ HOOHU nWHUNDOOD I|UVlNULQJVI|UPHGODUHQV WLOOVWnQG QlU GHW JlOOHU |YHUWUlGHOVHU L YHUNVDPKHWHQ VRP I|UPHGODUHQ EHGULYHU L GHW DQGUD ODQGHW LQRP ((6

† )LQDQVLQVSHNWLRQHQ VND LQJULSD PRW QnJRQ VRP LQJnU L HQ I|UVlN ULQJVI|UPHGODUHV VW\UHOVH HOOHU lU GHVV YHUNVWlOODQGH GLUHNW|U HOOHU Sn PRWVYDUDQGH VlWW I|UHWUlGHU I|UVlNULQJVI|UPHGODUHQ HOOHU lU HUVlWWDUH I|U QnJRQ DY GHP RP I|UVlNULQJVI|UPHGODUHQ

XW|YDU I|UVlNULQJVGLVWULEXWLRQ L 6YHULJH RFK LQWH XSSI\OOHU NUDYHQ Sn WLOOVWnQG HOOHU UHJLVWUHULQJ L NDS

KDU InWW WLOOVWnQG DWW XW|YD I|UVlNULQJVGLVWULEXWLRQ JHQRP DWW OlPQD IDOVND XSSJLIWHU HOOHU Sn DQQDW RWLOOE|UOLJW VlWW

I|U GLVWULEXWLRQ DY I|UVlNULQJDU XWQ\WWMDU QnJRQ VRP LQWH lU EHUlWWLJDG DWW XW|YD I|UVlNULQJVGLVWULEXWLRQ HOOHU DWW GLVWULEXHUD VnGDQD I|UVlNULQJDU VRP GLVWULEXWLRQHQ DYVHU

LQWH XSSI\OOHU NUDYHQ L QnJRQ DY NDS RFK †† NDS ± ± RFK †† NDS ± ± RFK ± †† NDS ± †† HOOHU NDS † HOOHU

KDU EHIXQQLWV DQVYDULJ I|U HQ |YHUWUlGHOVH DY ODJHQ RP nWJlUGHU PRW SHQQLQJWYlWW RFK ILQDQVLHULQJ DY WHUURULVP HOOHU I|UHVNULIWHU VRP PHGGHODWV PHG VW|G DY GHQ ODJHQ

,QJULSDQGH VNHU JHQRP EHVOXW DWW SHUVRQHQ L IUnJD XQGHU HQ YLVV WLG OlJVW WUH nU RFK K|JVW WLR

nU LQWH InU XSSUlWWKnOOD HQ IXQNWLRQ VRP DYVHV L I|UVWD VW\FNHW KRV HQ I|UVlNULQJVI|UPHGODUH HOOHU

EHVOXW RP VDQNWLRQVDYJLIW

opaginerad LQWH XSSI\OOHU NUDYHQ L QnJRQ DY NDS RFK †† NDS ± RFK †† NDS ± RFK †† NDS ± †† HOOHU NDS † Kontrollera mot PDF

† )LQDQVLQVSHNWLRQHQ VND LQJULSD PRW QnJRQ VRP LQJnU L HWW I|UVlN ULQJVI|UHWDJV VW\UHOVH HOOHU lU GHVV YHUNVWlOODQGH GLUHNW|U HOOHU lU HUVlWW DUH I|U QnJRQ DY GHP RP I|UVlNULQJVI|UHWDJHW

I|U GLVWULEXWLRQ DY I|UVlNULQJDU XWQ\WWMDU QnJRQ VRP LQWH lU EHUlWWLJDG DWW XW|YD I|UVlNULQJVGLVWULEXWLRQ HOOHU DWW GLVWULEXHUD VnGDQD I|UVlNULQJDU VRP GLVWULEXWLRQHQ DYVHU

LQWH XSSI\OOHU NUDYHQ L QnJRQ DY NDS RFK †† NDS ± RFK †† NDS ± RFK †† NDS ± †† HOOHU NDS †

,QJULSDQGH VNHU JHQRP EHVOXW DWW SHUVRQHQ L IUnJD XQGHU HQ YLVV WLG OlJVW WUH nU RFK K|JVW WLR

nU LQWH InU XSSUlWWKnOOD HQ IXQNWLRQ VRP DYVHV L I|UVWD VW\FNHW KRV HQ I|UVlNULQJVGLVWULEXW|U HOOHU

EHVOXW RP VDQNWLRQVDYJLIW

† ,QJULSDQGH HQOLJW HOOHU † InU VNH HQGDVW RP |YHUWUlGHOVHQ lU DOOYDUOLJ XSSUHSDG HOOHU V\VWHPDWLVN RFK SHUVRQHQ L IUnJD XSSVnWOLJHQ HOOHU DY JURY RDNWVDPKHW RUVDNDW |YHUWUlGHOVHQ

† 9LG YDOHW DY LQJULSDQGH VND )LQDQVLQVSHNWLRQHQ WD KlQV\Q WLOO KXU DOOYDUOLJ |YHUWUlGHOVHQ lU RFK KXU OlQJH GHQ KDU SnJnWW 6lUVNLOG KlQV\Q VND WDV WLOO VNDGRU VRP KDU XSSVWnWW RFK JUDGHQ DY DQVYDU

)LQDQVLQVSHNWLRQHQ InU DYVWn IUnQ LQJULSDQGH RP HQ |YHUWUlGHOVH lU ULQJD HOOHU XUVlNWOLJ I|UVlNULQJVGLVWULEXW|UHQ J|U UlWWHOVH HOOHU RP GHQ I\VLVND SHUVRQHQ L

I|UVlNULQJVGLVWULEXW|UHQV OHGQLQJ YHUNDW I|U DWW GLVWULEXW|UHQ J|U UlWWHOVH HOOHU

QnJRQ DQQDQ P\QGLJKHW KDU YLGWDJLW nWJlUGHU PRW I|UVlNULQJVGLVWUL EXW|UHQ HOOHU GHQ I\VLVND SHUVRQHQ L I|UVlNULQJVGLVWULEXW|UHQV OHGQLQJ RFK GHVVD nWJlUGHU EHG|PV WLOOUlFNOLJD

† , I|UVYnUDQGH ULNWQLQJ VND EHDNWDV RP I|UVlNULQJVGLVWULEXW|UHQ WLGLJDUH KDU EHJnWW HQ |YHUWUlGHOVH HOOHU RP GHQ I\VLVND SHUVRQHQ L I|UVlN ULQJVGLVWULEXW|UHQV OHGQLQJ WLGLJDUH RUVDNDW HQ VnGDQ |YHUWUlGHOVH

, I|UPLOGUDQGH ULNWQLQJ VND GHW EHDNWDV RP I|UVlNULQJVGLVWULEXW|UHQ HOOHU GHQ I\VLVND SHUVRQHQ L GLVWULEXW|UHQV

OHGQLQJ L YlVHQWOLJ XWVWUlFNQLQJ JHQRP HWW DNWLYW VDPDUEHWH KDU XQGHU OlWWDW )LQDQVLQVSHNWLRQHQV XWUHGQLQJ RFK

GLVWULEXW|UHQ VQDEEW KDU XSSK|UW PHG |YHUWUlGHOVHQ HOOHU GHQ I\VLVND SHUVRQHQ L GLVWULEXW|UHQV OHGQLQJ VQDEEW YHUNDW I|U DWW |YHUWUlGHOVHQ VND XSSK|UD VHGDQ GHQ DQPlOWV WLOO HOOHU SnWDODWV DY )LQDQVLQVSHNWLRQHQ

† )LQDQVLQVSHNWLRQHQ VND nWHUNDOOD HQ I|UVlNULQJVI|UPHGODUHV WLOO VWnQG RP I|UPHGODUHQ

LQWH LQRP HWW nU IUnQ GHW DWW WLOOVWnQG EHYLOMDGHV KDU E|UMDW XW|YD VnGDQ YHUNVDPKHW VRP WLOOVWnQGHW DYVHU

KDU I|UNODUDW VLJ DYVWn IUnQ WLOOVWnQGHW HOOHU XQGHU HQ VDPPDQKlQJDQGH WLG DY VH[ PnQDGHU LQWH KDU XW|YDW VnGDQ

YHUNVDPKHW VRP WLOOVWnQGHW DYVHU

2P HQ I|UVlNULQJVI|UPHGODUHV WLOOVWnQG VND nWHUNDOODV Sn JUXQG DY

VnGDQD RPVWlQGLJKHWHU VRP DYVHV L I|UVWD VW\FNHW HOOHU InU

opaginerad , IDOO VRP DYVHV L I|UVWD VW\FNHW RFK InU L VWlOOHW YDUQLQJ PHGGHODV RP GHW lU WLOOUlFNOLJW Kontrollera mot PDF

)LQDQVLQVSHNWLRQHQ LQQDQ WLOOVWnQGHW nWHUNDOODV I|UVW SU|YD RP GHW ILQQV VNlO DWW LQJULSD PRW I|UVlNULQJVI|UPHGODUHQ HQOLJW RFK †† RFK RP GHW ILQQV VnGDQD VNlO EHVOXWD RP HWW LQJULSDQGH

, IDOO VRP DYVHV L I|UVWD VW\FNHW RFK InU L VWlOOHW YDUQLQJ PHGGHODV RP GHW lU WLOOUlFNOLJW

† 2P QnJRQ VRP LQJnU L HQ I|UVlNULQJVGLVWULEXW|UV VW\UHOVH HOOHU lU GHVV YHUNVWlOODQGH GLUHNW|U LQWH XSSI\OOHU GH NUDY VRP DQJHV L NDS † VND )LQDQVLQVSHNWLRQHQ nWHUNDOOD I|UVlNULQJVGLVWULEXW|UHQV WLOO VWnQG 'HW InU GRFN VNH EDUD RP LQVSHNWLRQHQ I|UVW KDU EHVOXWDW DWW DQ PlUND Sn DWW SHUVRQHQ LQJnU L VW\UHOVHQ HOOHU lU YHUNVWlOODQGH GLUHNW|U RFK RP KDQ HOOHU KRQ VHGDQ HQ DY LQVSHNWLRQHQ EHVWlPG WLG RP K|JVW WUH PnQDGHU KDU JnWW IRUWIDUDQGH ILQQV NYDU L VW\UHOVHQ HOOHU VRP YHUN VWlOODQGH GLUHNW|U

, VWlOOHW I|U DWW nWHUNDOOD WLOOVWnQGHW InU )LQDQVLQVSHNWLRQHQ EHVOXWD DWW HQ VW\UHOVHOHGDPRW HOOHU YHUNVWlOODQGH GLUHNW|U LQWH OlQJUH InU NYDUVWn L VLQ EHIDWWQLQJ )LQDQVLQVSHNWLRQHQ InU Gn I|URUGQD HQ HUVlWWDUH (UVlWWDUHQV XSSGUDJ JlOOHU WLOO GHVV I|UVlNULQJVGLVWULEXW|UHQ KDU XWVHWW HQ Q\ VW\UHOVH OHGDPRW HOOHU YHUNVWlOODQGH GLUHNW|U

† 1lU GHW JlOOHU DQNQXWQD VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH RFK DQNQXWQD I|UVlNULQJVI|UPHGODUH VRP LQWH GLVWULEXHUDU I|UVlNULQJVEDV HUDGH LQYHVWHULQJVSURGXNWHU HOOHU VnGDQD SHQVLRQVI|UVlNULQJDU VRP DYVHV L NDS † VND GHW VRP DQJHV L RFK †† RP nWHUNDOOHOVH DY WLOOVWnQG L VWlOOHW DYVH nWHUNDOOHOVH DY UHJLVWUHULQJ

† 2P )LQDQVLQVSHNWLRQHQ KDU nWHUNDOODW HQ I|UVlNULQJVI|UPHGODUHV WLOOVWnQG HOOHU UHJLVWUHULQJ I|U DWW EHGULYD GLVWULEXWLRQ DY OLYI|UVlNULQJ HOOHU DOOD VODJ DY I|UVlNULQJ VND LQVSHNWLRQHQ GHVVXWRP nWHUNDOOD I|UVlN ULQJVI|UPHGODUHQV WLOOVWnQG DWW XW|YD VnGDQ VLGRYHUNVDPKHW VRP DYVHV L NDS † I|UVWD VW\FNHW

† 2P )LQDQVLQVSHNWLRQHQ KDU nWHUNDOODW WLOOVWnQGHW HOOHU UHJLVWUHU LQJHQ I|U HQ I|UVlNULQJVI|UPHGODUH VND LQVSHNWLRQHQ VQDUDVW XQGHUUlWWD %RODJVYHUNHW RP GHWWD

† 2P )LQDQVLQVSHNWLRQHQ KDU nWHUNDOODW WLOOVWnQGHW I|U HQ I|UVlN ULQJVI|UPHGODUH VRP KDU XQGHUUlWWDW LQVSHNWLRQHQ HQOLJW NDS † I|UVWD VW\FNHW HOOHU † I|UVWD VW\FNHW RFK LQVSHNWLRQHQ KDU OlPQDW |YHU XQGHU UlWWHOVHQ WLOO GHQ EHK|ULJD P\QGLJKHWHQ L GHW ODQG GlU ILOLDOHQ VND LQUlWWDV HOOHU YHUNVDPKHWHQ VND EHGULYDV VND LQVSHNWLRQHQ XQGHUUlWWD GHQ EH K|ULJD P\QGLJKHWHQ RP nWHUNDOOHOVHQ

1lU GHW JlOOHU DQNQXWQD VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH HOOHU DQNQXWQD I|UVlNULQJVI|UPHGODUH VRP LQWH GLVWULEXHUDU I|UVlNULQJV EDVHUDGH LQYHVWHULQJVSURGXNWHU HOOHU VnGDQD SHQVLRQVI|UVlNULQJDU VRP DYVHV L NDS † VND GHW VRP DQJHV L I|UVWD VW\FNHW RP )LQDQVLQVSHN WLRQHQV nWHUNDOOHOVH DY WLOOVWnQG L VWlOOHW DYVH LQVSHNWLRQHQV nWHUNDOOHOVH DY UHJLVWUHULQJ

)|UVWD RFK DQGUD VW\FNHQD JlOOHU RFNVn RP )LQDQVLQVSHNWLRQHQ L VWlOOHW I|U DWW nWHUNDOOD WLOOVWnQGHW HOOHU UHJLVWUHULQJHQ KDU PHGGHODW HQ YDUQLQJ

opaginerad 6DQNWLRQVDYJLIW Kontrollera mot PDF

6DQNWLRQVDYJLIW

† 2P HQ I|UVlNULQJVGLVWULEXW|U HQ ((6 I|UVlNULQJVI|UPHGODUH VRP RPIDWWDV DY HQ VnGDQ |YHUHQVNRPPHOVH VRP DYVHV L NDS † I|UVWD VW\FNHW HOOHU HQ VnGDQ XWOlQGVN I|UVlNULQJVI|UPHGODUH VRP DYVHV L NDS † PHGGHODWV EHVOXW RP DQPlUNQLQJ HOOHU YDUQLQJ InU )LQDQVLQVSHN WLRQHQ EHVOXWD RP VDQNWLRQVDYJLIW

† 6DQNWLRQVDYJLIWHQ VND I|U MXULGLVND SHUVRQHU XSSJn WLOO OlJVW NURQRU RFK VRP K|JVW IDVWVWlOODV WLOO GHW K|JVWD DY

WLR SURFHQW DY RPVlWWQLQJHQ QlUPDVW I|UHJnHQGH UlNHQVNDSVnU I|U HQ I|UVlNULQJVGLVWULEXW|U HQ ((6 I|UVlNULQJVI|UPHGODUH VRP RPIDWWDV DY HWW DYWDO HQOLJW NDS † I|UVWD VW\FNHW HOOHU HQ VnGDQ XWOlQGVN I|UVlNULQJV I|UPHGODUH VRP DYVHV L NDS † HOOHU L I|UHNRPPDQGH IDOO PRW VYDUDQGH RPVlWWQLQJ Sn NRQFHUQQLYn

WYn JnQJHU GHQ YLQVW VRP JMRUWV WLOO I|OMG DY UHJHO|YHUWUlGHOVHQ RP EHORSSHW JnU DWW IDVWVWlOOD HOOHU

HWW EHORSS L NURQRU PRWVYDUDQGH IHP PLOMRQHU HXUR

2P |YHUWUlGHOVHQ KDU VNHWW XQGHU GHW I|UVWD YHUNVDPKHWVnUHW HOOHU RP XSSJLIWHU RP RPVlWWQLQJHQ DQQDUV VDNQDV HOOHU lU EULVWIlOOLJD InU RPVlWW QLQJHQ XSSVNDWWDV

$YJLIWHQ InU LQWH YDUD Vn VWRU DWW I|UVlNULQJVI|UPHGODUHQ HOOHU I|UVlN ULQJVI|UHWDJHW GlUHIWHU LQWH XSSI\OOHU NUDYHQ L NDS † ODJHQ RP EDQN RFK ILQDQVLHULQJVU|UHOVH NDS † ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ HOOHU NDS † I|UVlNULQJVU|UHOVHODJHQ

$YJLIWHQ WLOOIDOOHU VWDWHQ

† 9LG LQJULSDQGH PRW HQ I|UVlNULQJVI|UPHGODUH VRP lU HQ I\VLVN SHUVRQ RFK YLG LQJULSDQGH HQOLJW HOOHU † VND VDQNWLRQVDYJLIWHQ VRP K|JVW IDVWVWlOODV WLOO GHW K|JVWD DY

WYn JnQJHU GHQ YLQVW VRP GHQ I\VLVND SHUVRQHQ JMRUW WLOO I|OMG DY UHJHO|YHUWUlGHOVHQ RP EHORSSHW JnU DWW IDVWVWlOOD HOOHU

HWW EHORSS VRP SHU GHQ IHEUXDUL L NURQRU PRWVYDUDGH HXUR

9LG |YHUWUlGHOVHU DY ODJHQ RP nWJlUGHU PRW SHQQLQJWYlWW RFK ILQDQVLHULQJ DY WHUURULVP RFK I|UHVNULIWHU VRP PHGGHODWV PHG VW|G DY GHQ ODJHQ NDQ VDQNWLRQVDYJLIWHQ L VWlOOHW I|U YDG VRP DQJHV L I|UVWD VW\FNHW EHVWlPPDV WLOO HWW EHORSS VRP SHU GHQ MXQL L NURQRU PRWVYDUDGH IHP PLOMRQHU HXUR

$YJLIWHQ WLOOIDOOHU VWDWHQ

† 1lU VDQNWLRQVDYJLIWHQV VWRUOHN IDVWVWlOOV VND VlUVNLOG KlQV\Q WDV WLOO VnGDQD RPVWlQGLJKHWHU VRP DQJHV L † I|UVWD VW\FNHW RFK † VDPW WLOO GHQ I\VLVND HOOHU MXULGLVND SHUVRQHQV ILQDQVLHOOD VWlOOQLQJ RFK RP GHW JnU DWW IDVWVWlOOD GHQ YLQVW VRP JMRUWV WLOO I|OMG DY UHJHO|YHUWUlGHOVHQ

6DQNWLRQVI|UHOlJJDQGH

† )UnJRU RP LQJULSDQGHQ PRW I\VLVND SHUVRQHU HQOLJW † †

† WUHGMH VW\FNHW RFK † DQGUD VW\FNHW WDV XSS DY )LQDQVLQVSHNWLRQHQ

JHQRP VDQNWLRQVI|UHOlJJDQGH

opaginerad GHQ GH EHVWlPPHOVHU VRP lU WLOOlPSOLJD Sn |YHUWUlGHOVHQ RFK GHQ VDQNWLRQ VRP I|UHOlJJV SHUVRQHQ Kontrollera mot PDF

(WW VDQNWLRQVI|UHOlJJDQGH LQQHElU DWW GHQ I\VLVND SHUVRQHQ I|UHOlJJV DWW LQRP HQ YLVV WLG JRGNlQQD HQ VDQNWLRQ VRP lU EHVWlPG WLOO WLG HOOHU EHORSS

1lU I|UHOlJJDQGHW KDU JRGNlQWV JlOOHU GHW VRP HWW GRPVWROVDYJ|UDQGH VRP InWW ODJD NUDIW (WW JRGNlQQDQGH VRP J|UV HIWHU GHQ WLG VRP DQJHWWV L I|UHOlJJDQGHW lU XWDQ YHUNDQ

† (WW VDQNWLRQVI|UHOlJJDQGH VND LQQHKnOOD XSSJLIW RP GHQ I\VLVND SHUVRQ VRP I|UHOlJJDQGHW DYVHU |YHUWUlGHOVHQ RFK GH RPVWlQGLJKHWHU VRP EHK|YV I|U DWW NlQQHWHFNQD

GHQ GH EHVWlPPHOVHU VRP lU WLOOlPSOLJD Sn |YHUWUlGHOVHQ RFK GHQ VDQNWLRQ VRP I|UHOlJJV SHUVRQHQ

)|UHOlJJDQGHW VND RFNVn LQQHKnOOD HQ XSSO\VQLQJ RP DWW DQV|NDQ RP VDQNWLRQ NDQ NRPPD DWW JHV LQ WLOO GRPVWRO RP I|UHOlJJDQGHW LQWH JRGNlQQV LQRP GHQ WLG VRP )LQDQVLQVSHNWLRQHQ DQJHU

† 2P HWW VDQNWLRQVI|UHOlJJDQGH LQWH KDU JRGNlQWV LQRP DQJLYHQ WLG InU )LQDQVLQVSHNWLRQHQ DQV|ND KRV DOOPlQ I|UYDOWQLQJVGRPVWRO RP DWW VDQNWLRQ VND EHVOXWDV (Q VnGDQ DQV|NDQ VND J|UDV KRV GHQ I|UYDOWQLQJVUlWW VRP lU EHK|ULJ DWW SU|YD HWW |YHUNODJDQGH DY )LQDQVLQVSHNWLRQHQV EHVOXW RP LQJULSDQGH PRW I|UVlNULQJVGLVWULEXW|UHQ I|U VDPPD |YHUWUlGHOVH

3U|YQLQJVWLOOVWnQG NUlYV YLG |YHUNODJDQGH WLOO NDPPDUUlWWHQ

† (Q VDQNWLRQ HQOLJW † † † WUHGMH VW\FNHW RFK † DQGUD VW\FNHW InU EHVOXWDV EDUD RP VDQNWLRQVI|UHOlJJDQGH KDU GHOJHWWV GHQ VRP VDQNWLRQHQ ULNWDV PRW LQRP WYn nU IUnQ GHQ WLGSXQNW Gn |YHUWUlGHOVHQ lJGH UXP

)|UVHQLQJVDYJLIW

† 2P HQ I|UVlNULQJVGLVWULEXW|U HOOHU HQ ((6 I|UVlNULQJVI|UPHGODUH HOOHU HQ I|UVlNULQJVI|UPHGODUH IUnQ WUHGMHODQG VRP EHGULYHU I|UVlNULQJV GLVWULEXWLRQ L 6YHULJH HQOLJW NDS HOOHU † OnWHU EOL DWW L WLG OlPQD GH XSSO\VQLQJDU VRP I|UHVNULYLWV PHG VW|G DY NDS † InU )LQDQVLQVSHN WLRQHQ EHVOXWD DWW GHQQH VND EHWDOD HQ I|UVHQLQJVDYJLIW PHG K|JVW NURQRU

$YJLIWHQ WLOOIDOOHU VWDWHQ

9HUNVWlOOLJKHW RFK EHVOXW RP VDQNWLRQVDYJLIW HOOHU I|UVHQLQJVDYJLIW

† 6DQNWLRQVDYJLIWHQ HOOHU I|UVHQLQJVDYJLIWHQ VND EHWDODV WLOO )LQDQV LQVSHNWLRQHQ LQRP WUHWWLR GDJDU HIWHU GHW DWW EHVOXWHW RP GHQ KDU InWW ODJD NUDIW HOOHU VDQNWLRQVI|UHOlJJDQGHW JRGNlQWV HOOHU GHQ OlQJUH WLG VRP DQJHV L EHVOXWHW HOOHU I|UHOlJJDQGHW

† )LQDQVLQVSHNWLRQHQV EHVOXW RP VDQNWLRQVDYJLIW HOOHU I|UVHQLQJV DYJLIW InU YHUNVWlOODV XWDQ I|UHJnHQGH GRP HOOHU XWVODJ RP DYJLIWHQ LQWH KDU EHWDODWV LQRP GHQ WLG VRP DQJHV L †

opaginerad ,QJULSDQGH L YLVVD IDOO PRW ((6 I|UVlNULQJVI|UPHGODUH VRP EHGULYHU YHUNVDPKHW PHG VW|G DY HWDEOHULQJVIULKHWHQ Kontrollera mot PDF

† 2P VDQNWLRQVDYJLIWHQ HOOHU I|UVHQLQJVDYJLIWHQ LQWH EHWDODV LQRP GHQ WLG VRP DQJHV L † VND )LQDQVLQVSHNWLRQHQ OlPQD GHQ REHWDOGD DYJLIWHQ I|U LQGULYQLQJ %HVWlPPHOVHU RP LQGULYQLQJ ILQQV L ODJHQ RP LQGULYQLQJ DY VWDWOLJD IRUGULQJDU P P

† (Q VDQNWLRQVDYJLIW HOOHU I|UVHQLQJVDYJLIW VRP KDU EHVOXWDWV IDOOHU ERUW L GHQ XWVWUlFNQLQJ YHUNVWlOOLJKHW LQWH KDU VNHWW LQRP IHP nU IUnQ GHW DWW EHVOXWHW ILFN ODJD NUDIW HOOHU VDQNWLRQVI|UHOlJJDQGHW JRGNlQGHV )|UH OlJJDQGH PRW I|UVlNULQJVGLVWULEXW|UHU RFK XWOlQGVND I|UVlNULQJVJLYDUH VRP DQYlQGHU VLJ DY REHK|ULJD I|UPHGODUH

† 2P HQ I|UVlNULQJVGLVWULEXW|U HQ ((6 I|UVlNULQJVJLYDUH HOOHU HQ I|UVlNULQJVJLYDUDUH IUnQ WUHGMHODQG VRP EHGULYHU YHUNVDPKHW L 6YHULJH HQOLJW ODJHQ RP XWOlQGVND I|UVlNULQJVJLYDUHV RFK WMlQVWH SHQVLRQVLQVWLWXWV YHUNVDPKHW L 6YHULJH I|U I|UVlNULQJVGLVWULEXWLRQ XWQ\WWMDU QnJRQ VRP LQWH lU EHUlWWLJDG DWW EHGULYD I|UVlNULQJVGLVWULEXWLRQ VND )LQDQVLQVSHNWLRQHQ I|UHOlJJD GHQQH DWW XSSK|UD PHG GHWWD 'HWVDPPD JlOOHU RP HQ I|UVlNULQJVGLVWULEXW|U HQ ((6 I|UVlNULQJVJLYDUH HOOHU HQ I|UVlNULQJVJLYDUH IUnQ WUHGMHODQG I|U I|UVlNULQJVGLVWULEXWLRQ XWQ\WWMDU QnJRQ VRP LQWH lU EHUlWWLJDG DWW GLVWULEXHUD VnGDQD I|UVlNULQJDU VRP GLVWULEXWLRQHQ DYVHU

,QJULSDQGH L YLVVD IDOO PRW ((6 I|UVlNULQJVI|UPHGODUH VRP EHGULYHU YHUNVDPKHW PHG VW|G DY HWDEOHULQJVIULKHWHQ

† 2P HQ ((6 I|UVlNULQJVI|UPHGODUH VRP EHGULYHU YHUNVDPKHW L 6YHULJH HQOLJW NDS † I|UVWD VW\FNHW KDU nVLGRVDWW VLQD VN\OGLJKHWHU HQOLJW EHVWlPPHOVHUQD L ± NDS HOOHU I|UHVNULIWHU VRP KDU PHGGHODWV PHG VW|G DY GH EHVWlPPHOVHUQD VND )LQDQVLQVSHNWLRQHQ LQJULSD

)LQDQVLQVSHNWLRQHQ InU I|UHOlJJD ((6 I|UVlNULQJVI|UPHGODUHQ DWW J|UD UlWWHOVH

2P UlWWHOVH LQWH VNHU InU )LQDQVLQVSHNWLRQHQ I|UEMXGD ((6 I|UVlN ULQJVI|UPHGODUHQ DWW EHGULYD I|UVlNULQJVGLVWULEXWLRQ KlU L ODQGHW

)LQDQVLQVSHNWLRQHQ VND XQGHUUlWWD GHQ EHK|ULJD P\QGLJKHWHQ L ((6 I|UVlNULQJVI|UPHGODUHQV KHPODQG (XURSHLVND NRPPLVVLRQHQ RFK (XUR SHLVND I|UVlNULQJV RFK WMlQVWHSHQVLRQVP\QGLJKHWHQ RP nWJlUGHU VRP KDU YLGWDJLWV PHG VW|G DY GHQQD EHVWlPPHOVH

,QJULSDQGH PRW ((6 I|UVlNULQJVI|UPHGODUH

† 2P HQ ((6 I|UVlNULQJVI|UPHGODUH VRP EHGULYHU YHUNVDPKHW L 6YHULJH HQOLJW NDS † I|UVWD VW\FNHW Sn DQQDW VlWW lQ YDG VRP DQJHV L † KDU nVLGRVDWW VLQD VN\OGLJKHWHU HQOLJW GHQQD ODJ HOOHU HQOLJW DQGUD I|UIDWWQLQJDU VRP UHJOHUDU ((6 I|UVlNULQJVI|UPHGODUHQV YHUNVDPKHW InU )LQDQVLQVSHNWLRQHQ EHJlUD DWW GHQ EHK|ULJD P\QGLJKHWHQ L ((6 I|UVlNULQJVI|UPHGODUHQV KHPODQG VND YLGWD nWJlUGHU PRW I|UPHGODUHQ

)LQDQVLQVSHNWLRQHQ InU RFNVn KlQVNMXWD lUHQGHW WLOO (XURSHLVND I|UVlNULQJV RFK WMlQVWHSHQVLRQVP\QGLJKHWHQ L HQOLJKHW PHG DUWLNHO L (XURSDSDUODPHQWHWV RFK UnGHWV I|URUGQLQJ (8 QU DY GHQ QRYHPEHU RP LQUlWWDQGH DY HQ HXURSHLVN WLOOV\QVP\QGLJKHW

(XURSHLVND I|UVlNULQJV RFK WMlQVWHSHQVLRQVP\QGLJKHWHQ RP lQGULQJ

opaginerad ,QJULSDQGH L YLVVD IDOO PRW ((6 I|UVlNULQJVI|UPHGODUH VRP EHGULYHU YHUNVDPKHW PHG VW|G DY HWDEOHULQJVIULKHWHQ Kontrollera mot PDF

DY EHVOXW QU (* RFK RP XSSKlYDQGH DY NRPPLVVLRQHQV EHVOXW (*

)|UVWD RFK DQGUD VW\FNHQD JlOOHU lYHQ RP HQ ((6 I|UVlNULQJVI|U PHGODUH VRP EHGULYHU YHUNVDPKHW L 6YHULJH HQOLJW NDS † I|UVWD VW\FNHW KDU nVLGRVDWW VLQD VN\OGLJKHWHU HQOLJW GHQQD ODJ HOOHU HQOLJW DQGUD I|UIDWWQLQJDU VRP UHJOHUDU ((6 I|UVlNULQJVI|UPHGODUHQV YHUNVDP KHW

† )LQDQVLQVSHNWLRQHQ InU XW|YHU YDG VRP DQJHV L † I|UHOlJJD ((6 I|UVlNULQJVI|UPHGODUHQ DWW J|UD UlWWHOVH RP

GHQ EHK|ULJD P\QGLJKHWHQ L I|UPHGODUHQV KHPODQG HIWHU HQ EHJlUDQ HQOLJW † I|UVWD VW\FNHW LQWH LQJULSHU HOOHU RP LQJULSDQGHW YLVDU VLJ YDUD RWLOOUlFNOLJW

|YHUWUlGHOVH KDU VNHWW DY HQ EHVWlPPHOVH VRP HQOLJW I|UHVNULIWHU PHG VW|G DY † VND DQVHV KD VlUVNLOG EHW\GHOVH I|U NRQVXPHQWVN\GGHW HOOHU QnJRW DQQDW VN\GGDW DOOPlQLQWUHVVH RFK HWW RPHGHOEDUW LQJULSDQGH NUlYV HOOHU

I|UPHGODUHQV YHUNVDPKHW DOOYDUOLJW VNDGDU NRQVXPHQWVN\GGHW L DOO PlQKHW RFK RP I|UPHGODUHQ NDQ DQWDV KD KHPYLVW L HWW DQQDW ODQG LQRP ((6 HQGDVW L V\IWH DWW NULQJJn UHJOHU VRP JlOOHU I|U XW|YDQGH DY I|UVlN ULQJVGLVWULEXWLRQ KlU L ODQGHW

2P UlWWHOVH LQWH VNHU InU )LQDQVLQVSHNWLRQHQ I|UEMXGD ((6 I|UVlN ULQJVI|UPHGODUHQ DWW EHGULYD I|UVlNULQJVGLVWULEXWLRQ KlU L ODQGHW

)LQDQVLQVSHNWLRQHQ VND XQGHUUlWWD EHK|ULJ P\QGLJKHW L ((6 I|UVlN ULQJVI|UPHGODUHQV KHPODQG (XURSHLVND NRPPLVVLRQHQ RFK (XURSHLVND I|UVlNULQJV RFK WMlQVWHSHQVLRQVP\QGLJKHWHQ RP nWJlUGHU VRP KDU YLG WDJLWV PHG VW|G DY I|UVWD VW\FNHW 'HQ EHK|ULJD P\QGLJKHWHQ L ((6 I|UVlNULQJVI|UPHGODUHQV KHPODQG VND GlUXW|YHU LQIRUPHUDV LQQDQ nW JlUGHU YLGWDV PHG VW|G DY I|UVWD VW\FNHW HOOHU

,QJULSDQGH YLG LQWHUQDWLRQHOO |YHUHQVNRPPHOVH RP |YHUI|ULQJ DY WLOOV\QVDQVYDU

† 2P )LQDQVLQVSHNWLRQHQ HQOLJW HQ |YHUHQVNRPPHOVH PHG HQ EH

K|ULJ P\QGLJKHW L HWW DQQDW ODQG LQRP ((6 KDU WDJLW |YHU DQVYDUHW I|U WLOO

V\QHQ DY HQ ((6 I|UVlNULQJVI|UPHGODUH VRP KDU VLWW KXYXGVDNOLJD YHUN

VDPKHWVVWlOOH L 6YHULJH InU )LQDQVLQVSHNWLRQHQ LQJULSD PRW |YHUWUlGHOVHU

DY EHVWlPPHOVHUQD L NDS ± †† RFK ± NDS HOOHU I|UHVNULIWHU VRP

KDU PHGGHODWV PHG VW|G DY GHVVD EHVWlPPHOVHU RP |YHUWUlGHOVHUQD DYVHU

YHUNVDPKHWHQ VRP EHGULYV L 6YHULJH

)LQDQVLQVSHNWLRQHQ InU Gn XWIlUGD HWW I|UHOlJJDQGH DWW J|UD UlWWHOVH HWW

I|UEXG DWW YHUNVWlOOD EHVOXW HOOHU HQ DQPlUNQLQJ 2P |YHUWUlGHOVHQ lU

DOOYDUOLJ InU )LQDQVLQVSHNWLRQHQ I|UEMXGD ((6 I|UVlNULQJVI|UPHGODUHQ DWW

EHGULYD I|UVlNULQJVGLVWULEXWLRQ KlU L ODQGHW HOOHU RP GHW lU WLOOUlFNOLJW

PHGGHOD HQ YDUQLQJ

2P YHUNVDPKHWHQ L 6YHULJH EHGULYV JHQRP HQ ILOLDO VND )LQDQVLQVSHN

WLRQHQ LQJULSD PRW ILOLDOHQV YHUNVWlOODQGH GLUHNW|U PHG WLOOlPSQLQJ DY

RFK ††

s. 2 ,QJULSDQGH PRW I|UVlNULQJVI|UPHGODUH IUnQ WUHGMHODQG Kontrollera mot PDF

,QJULSDQGH PRW I|UVlNULQJVI|UPHGODUH IUnQ WUHGMHODQG

† 2P HQ I|UVlNULQJVI|UPHGODUH IUnQ WUHGMHODQG EHGULYHU I|UVlNULQJV GLVWULEXWLRQ L 6YHULJH HQOLJW NDS † I|UVWD VW\FNHW VND RFK †† WLOOlPSDV Sn YHUNVDPKHWHQ KlU L ODQGHW

)LQDQVLQVSHNWLRQHQ VND LQJULSD PRW ILOLDOHQV YHUNVWlOODQGH GLUHNW|U PHG WLOOlPSQLQJ DY RFK ††

)LQDQVLQVSHNWLRQHQ VND XQGHUUlWWD EHK|ULJ P\QGLJKHW L I|UVlNULQJV I|UPHGODUHQV KHPODQG RP nWJlUGHU VRP KDU YLGWDJLWV PHG VW|G DY GHQQD SDUDJUDI

,QJULSDQGH PRW GHQ VRP VDNQDU WLOOVWnQG HOOHU UHJLVWUHULQJ

† 2P QnJRQ EHGULYHU I|UVlNULQJVGLVWULEXWLRQ L 6YHULJH XWDQ DWW YDUD EHUlWWLJDG WLOO GHW VND )LQDQVLQVSHNWLRQHQ I|UHOlJJD GHQQH DWW XSSK|UD PHG YHUNVDPKHWHQ 'HWVDPPD JlOOHU RP HQ I|UVlNULQJVGLVWULEXW|U GLVWUL EXHUDU I|UVlNULQJDU DY HWW VODJ VRP GHQQH LQWH lU EHUlWWLJDG DWW GLVWULEXHUD HOOHU EHGULYHU VnGDQ VLGRYHUNVDPKHW VRP DYVHV L NDS † I|UVWD VW\FNHW XWDQ DWW KD WLOOVWnQG I|U GHW

bU GHW RVlNHUW RP YHUNVDPKHWHQ RPIDWWDV DY ODJHQ InU )LQDQVLQVSHN WLRQHQ I|UHOlJJD GHQ VRP EHGULYHU YHUNVDPKHWHQ DWW OlPQD GH XSSO\V QLQJDU RP YHUNVDPKHWHQ VRP EHK|YV I|U DWW EHG|PD RP ODJHQ lU WLOOlPS OLJ

(WW EHVOXW RP nWHUNDOOHOVH DY WLOOVWnQG InU I|UHQDV PHG I|UEXG DWW IRUW VlWWD YHUNVDPKHWHQ

,QJULSDQGH PRW lJDUH

† 2P HQ I|UVlNULQJVI|UPHGODUH KDU QlUD I|UELQGHOVHU PHG QnJRQ DQQDQ RFK GHW KLQGUDU HQ HIIHNWLY WLOOV\Q DY I|UPHGODUHQ InU )LQDQV LQVSHNWLRQHQ I|UHOlJJD LQQHKDYDUH DY DNWLHU HOOHU DQGHODU YLOND PHGI|U DWW I|UELQGHOVHUQD lU QlUD DWW DY\WWUD Vn VWRU GHO DY DNWLHUQD HOOHU DQGHO DUQD DWW GHWWD LQWH OlQJUH lU IDOOHW

9LWH

† )LQDQVLQVSHNWLRQHQ InU I|UHQD HWW I|UHOlJJDQGH HOOHU HWW I|UEXG HQOLJW GHQQD ODJ PHG YLWH

%HP\QGLJDQGH

† 5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU PHGGHOD I|UHVNULIWHU RP YLOND I|UIDWWQLQJDU VRP HQOLJW † I|UVWD VW\FNHW VND DQVHV KD VlUVNLOG EHW\GHOVH I|U NRQVXPHQWVN\GGHW HOOHU QnJRW DQQDW VN\GGDW DOOPlQLQWUHVVH

NDS gYHUNODJDQGH

gYHUNODJDQGH DY )LQDQVLQVSHNWLRQHQV EHVOXW

† )LQDQVLQVSHNWLRQHQV EHVOXW RP VDQNWLRQVI|UHOlJJDQGH HQOLJW NDS † RFK EHVOXW HQOLJW NDS † DQGUD VW\FNHW InU LQWH |YHUNODJDV

s. 3 DQGH HOOHU nWHUNDOOHOVH VND JlOOD RPHGHOEDUW Kontrollera mot PDF

$QGUD EHVOXW DY )LQDQVLQVSHNWLRQHQ L HQVNLOGD IDOO HQOLJW GHQQD ODJ InU |YHUNODJDV WLOO DOOPlQ I|UYDOWQLQJVGRPVWRO

3U|YQLQJVWLOOVWnQG NUlYV YLG |YHUNODJDQGH WLOO NDPPDUUlWWHQ )LQDQVLQVSHNWLRQHQ InU EHVWlPPD DWW HWW EHVOXW RP I|UEXG I|UHOlJJ

DQGH HOOHU nWHUNDOOHOVH VND JlOOD RPHGHOEDUW

gYHUNODJDQGH DY %RODJVYHUNHWV EHVOXW

† %RODJVYHUNHWV EHVOXW DWW DYVNULYD HQ DQPlODQ HOOHU DWW YlJUD HQ UHJLVWUHULQJ InU |YHUNODJDV WLOO DOOPlQ I|UYDOWQLQJVGRPVWRO LQRP WYn PnQDGHU IUnQ GHQ GDJ Gn NODJDQGHQ ILFN GHO DY EHVOXWHW

3U|YQLQJVWLOOVWnQG NUlYV YLG |YHUNODJDQGH WLOO NDPPDUUlWWHQ

'HQQD ODJ WUlGHU L NUDIW GHQ IHEUXDUL *HQRP ODJHQ XSSKlYV ODJHQ RP I|UVlNULQJVI|UPHGOLQJ (WW WLOOVWnQG DWW XW|YD I|UVlNULQJVI|UPHGOLQJ HQOLJW ODJHQ RP I|UVlN

ULQJVI|UPHGOLQJ VND JlOOD VRP HWW WLOOVWnQG HQOLJW GHQQD ODJ DWW EHGULYD I|UVlNULQJVGLVWULEXWLRQ VRP I|UVlNULQJVI|UPHGODUH

(Q XQGHUUlWWHOVH IUnQ HQ XWOlQGVN I|UVlNULQJVI|UPHGODUH IUnQ HWW DQQDW ODQG LQRP ((6 HQOLJW NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ RP DWW EHGULYD YHUNVDPKHW L 6YHULJH VND JlOOD VRP HQ XQGHUUlWWHOVH HQOLJW NDS † GHQQD ODJ PHG UlWW I|U I|UVlNULQJVI|UPHGODUHQ DWW EHGULYD I|UVlNULQJVGLVWULEXWLRQ VRP ((6 I|UVlNULQJVI|UPHGODUH L 6YHULJH

$QNQXWQD I|UVlNULQJVI|UPHGODUH VRP DYVHV L NDS † D ODJHQ RP I|UVlNULQJVI|UPHGOLQJ VRP VND GLVWULEXHUD I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU HOOHU VnGDQD SHQVLRQVI|UVlNULQJDU VRP DQJHV L NDS † RFK VRP YLG WLGSXQNWHQ I|U ODJHQV LNUDIWWUlGDQGH GULYHU VnGDQ YHUNVDPKHW InU GULYD YHUNVDPKHWHQ XWDQ WLOOVWnQG DWW XW|YD I|UVlNULQJV GLVWULEXWLRQ VRP I|UVlNULQJVI|UPHGODUH WLOO GHQ MDQXDUL HOOHU RP DQV|NDQ RP WLOOVWnQG DWW XW|YD I|UVlNULQJVGLVWULEXWLRQ VRP DQNQXWHQ I|UVlNULQJVI|UPHGODUH KDU NRPPLW LQ WLOO )LQDQVLQVSHNWLRQHQ LQRP GHQQD WLG WLOO GHVV DQV|NDQ SU|YDWV VOXWOLJW

)|U |YULJD DQNQXWQD I|UVlNULQJVI|UPHGODUH HQOLJW NDS † D ODJHQ RP I|UVlNULQJVI|UPHGOLQJ VND HQ VnGDQ UHJLVWUHULQJ JlOOD VRP UHJLVW UHULQJ VRP DQNQXWHQ I|UVlNULQJVI|UPHGODUH HQOLJW GHQQD ODJ

(Q UHJLVWUHULQJ VRP DQNQXWHQ I|UVlNULQJVI|UPHGODUH HQOLJW NDS † E ODJHQ RP I|UVlNULQJVI|UPHGOLQJ VND JlOOD VRP UHJLVWUHULQJ VRP DQNQXWHQ VLGRYHUNVDP I|UVlNULQJVI|UPHGODUH HQOLJW GHQQD ODJ

)|UVlNULQJVI|UPHGODUH VRP YLG WLGSXQNWHQ I|U ODJHQV LNUDIWWUlGDQGH KDU WLOOVWnQG DWW GULYD VLGRYHUNVDPKHW HQOLJW NDS † ODJHQ RP I|UVlN ULQJVI|UPHGOLQJ InU GULYD VnGDQ VLGRYHUNVDPKHW WLOO GHQ MDQXDUL HOOHU RP WLOOVWnQG WLOO YlUGHSDSSHUVU|UHOVH HQOLJW ODJHQ RP YlUGH SDSSHUVPDUNQDGHQ KDU NRPPLW LQ WLOO )LQDQVLQVSHNWLRQHQ LQRP GHQQD WLG WLOO GHVV DQV|NDQ SU|YDWV VOXWOLJW (IWHU GHQ MDQXDUL VND HWW WLOOVWnQG DWW GULYD VLGRYHUNVDPKHW HQOLJW NDS † ODJHQ RP I|UVlNULQJV I|UPHGOLQJ JlOOD VRP HWW WLOOVWnQG DWW GULYD VLGRYHUNVDPKHW HQOLJW NDS † GHQQD ODJ PHQ HQGDVW PHG DYVHHQGH Sn VnGDQD WLOOJnQJDU VRP DQJHV L NDS † I|UVWD VW\FNHW ODJHQ RP YlUGHSDSSHUV PDUNQDGHQ

opaginerad bOGUH EHVWlPPHOVHU JlOOHU I|U |YHUWUlGHOVHU VRP lJW UXP I|UH LNUDIWWUlGDQGHW Kontrollera mot PDF

(Q I|UVlNULQJVI|UPHGODUH VRP YLG GHQQD ODJV LNUDIWWUlGDQGH KDU

WLOOVWnQG HOOHU UHJLVWUHULQJ DWW XW|YD I|UVlNULQJVI|UPHGOLQJ HQOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ VND VHQDVW GHQ IHEUXDUL XSSI\OOD NRPSHWHQVNUDYHQ L NDS † I|UVWD VW\FNHW RFK UHVSHNWLYH † I|UVWD VW\FNHW RFK VDPW L I|UHVNULIWHU VRP PHGGHODWV PHG VW|G DY NDS † RFK

, IUnJD RP DYWDO RP I|UVlNULQJVI|UPHGOLQJ RFK I|UVlNULQJVDYWDO VRP KDU LQJnWWV I|UH LNUDIWWUlGDQGHW JlOOHU lOGUH EHVWlPPHOVHU 2P HQ I|UVlN ULQJVGLVWULEXW|U JRGWDU HQ I|UOlQJQLQJ DY DYWDOHW HIWHU LNUDIWWUlGDQGHW JlOOHU GRFN GH Q\D EHVWlPPHOVHUQD

bOGUH EHVWlPPHOVHU JlOOHU I|U |YHUWUlGHOVHU VRP lJW UXP I|UH LNUDIWWUlGDQGHW

)|U EHVOXW VRP PHGGHODWV HQOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ VND EHVWlPPHOVHUQD L GHQ ODJHQ JlOOD I|U |YHUNODJDQGH RFK YLG KDQG OlJJQLQJHQ DY |YHUNODJDQGHW

, I|UKnOODQGH WLOO HWW ODQG LQRP (XURSHLVND HNRQRPLVND VDPDUEHWV RPUnGHW VRP LQWH lU HQ PHGOHPVVWDW L (XURSHLVND XQLRQHQ WLOOlPSDV ODJHQ IUnQ GHQ WLGSXQNW Gn I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW LQI|UOLYDV L DYWDOHW RP (XURSHLVND HNRQRPLVND VDPDUEHWVRPUnGHW ((6 DYWDOHW

opaginerad )|UVODJ WLOO ODJ RP lQGULQJ L ODJHQ Kontrollera mot PDF

)|UVODJ WLOO ODJ RP lQGULQJ L ODJHQ

RP XWOlQGVND ILOLDOHU P P

+lULJHQRP I|UHVNULYV DWW † ODJHQ RP XWOlQGVND ILOLDOHU

P P VND KD I|OMDQGH O\GHOVH

Nuvarande lydelse

Föreslagen lydelse

† 2P UlWW I|U YLVVD XWOlQGVND I|UHWDJ DWW GULYD YHUNVDPKHW L 6YHULJH ILQQV

VlUVNLOGD EHVWlPPHOVHU QlPOLJHQ

I|U NUHGLWLQVWLWXW NDS RFK ± †† ODJHQ RP EDQN RFK ILQDQVLHULQJVU|UHOVH

I|U YlUGHSDSSHUVI|UHWDJ NDS RFK †† ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ

I|U ILQDQVLHOOD LQVWLWXW NDS † ODJHQ RP EDQN RFK ILQDQVLHULQJV U|UHOVH

I|U XWOlQGVND I|UVlNULQJVJLYDUH ODJHQ RP XWOlQGVND I|UVlNULQJVJLYDUHV RFK WMlQVWHSHQVLRQVLQVWLWXWV YHUNVDPKHW L 6YHULJH

I|U E|UVHU RFK FOHDULQJRUJDQLVDWLRQHU NDS † RFK NDS † ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ

I|U I|UYDOWQLQJVERODJ RFK IRQGI|UHWDJ NDS ± RFK †† ODJHQ RP YlUGHSDSSHUVIRQGHU

I|U XWJLYDUH DY HOHNWURQLVND SHQJDU NDS ± †† ODJHQ RP HOHNWURQLVND SHQJDU

I|U I|UHWDJ VRP GULYHU LQOnQLQJVYHUNVDPKHW † ODJHQ RP LQOnQLQJVYHUNVDPKHW

I|U XWOlQGVND I|UVlNULQJVI|U

I|U XWOlQGVND I|UVlNULQJVI|U

PHGODUH NDS ODJHQ (2005:405)

PHGODUH NDS ODJHQ (2018:000)

RP försäkringsförmedling

RP försäkringsdistribution

I|U I|UHWDJ VRP WLOOKDQGDKnOOHU EHWDOWMlQVWHU NDS RFK †† ODJHQ RP EHWDOWMlQVWHU

I|U XWOlQGVND $,) I|UYDOWDUH NDS ODJHQ RP I|UYDOWDUH DY DOWHUQDWLYD LQYHVWHULQJVIRQGHU

I|U I|UHWDJ VRP GULYHU YHUNVDPKHW PHG NRQVXPHQWNUHGLWHU RFK †† ODJHQ RP YLVV YHUNVDPKHW PHG NRQVXPHQWNUHGLWHU RFK I|U I|UHWDJ VRP GULYHU YHUNVDPKHW PHG ERVWDGVNUHGLWHU NDS † RFK NDS RFK †† ODJHQ RP YHUNVDPKHW PHG ERVWDGV

NUHGLWHU

'HQQD ODJ WUlGHU L NUDIW GHQ IHEUXDUL

6HQDVWHO\GHOVH

opaginerad )|UVODJ WLOO ODJ RP lQGULQJ L ODJHQ Kontrollera mot PDF

)|UVODJ WLOO ODJ RP lQGULQJ L ODJHQ

RP YDOXWDYl[OLQJ RFK DQQDQ ILQDQVLHOO

YHUNVDPKHW

+lULJHQRP I|UHVNULYV DWW † ODJHQ RP YDOXWDYl[OLQJ RFK DQQDQ ILQDQVLHOO YHUNVDPKHW VND KD I|OMDQGH O\GHOVH

Lydelse enligt prop. 2016/17:173

Föreslagen lydelse

† (Q I\VLVN HOOHU MXULGLVN SHUVRQ VRP DYVHU DWW lJQD VLJ nW YDOXWDYl[OLQJ L YlVHQWOLJ RPIDWWQLQJ HOOHU DQQDQ ILQDQVLHOO YHUNVDPKHW VND DQV|ND RP

UHJLVWUHULQJ KRV )LQDQVLQVSHNWLRQHQ $QV|NDQ EHK|YHU LQWH J|UDV DY I|UHWDJ VRP DYVHV L NDS † I|UVWD VW\FNHW ± RFK

ODJHQ RP nWJlUGHU PRW SHQQLQJWYlWW RFK ILQDQVLHULQJ DY WHUURULVP RFK

I\VLVND HOOHU MXULGLVND SHUVRQ HU VRP driver försäkringsförmed- ling HQOLJW ODJHQ (2005:405) RP försäkringsförmedling

I\VLVND HOOHU MXULGLVND SHUVRQ HU VRP bedriver försäkringsdistri- bution HQOLJW ODJHQ (2018:000) RP försäkringsdistribution

)LQDQVLQVSHNWLRQHQ VND UHJLVWUHUD SHUVRQHU VRP NRPPLW LQ PHG DQV|NDQ RP

GHW ILQQV VNlO DWW DQWD DWW YHUNVDPKHWHQ NRPPHU DWW GULYDV Sn HWW VlWW VRP lU I|UHQOLJW PHG ODJHQ RP nWJlUGHU PRW SHQQLQJWYlWW RFK ILQDQVLHULQJ DY WHUURULVP RFK I|UHVNULIWHU VRP PHGGHODWV PHG VW|G DY GHQ ODJHQ RFK

NUDYHW Sn lJDUH RFK OHGQLQJ L † I|UVWD VW\FNHW lU XSSI\OOW

'HQ VRP KDU EOLYLW LQI|UG L UHJLVWUHW VND WDV ERUW XU UHJLVWUHW QlU HWW EHVOXW RP I|UHOlJJDQGH HQOLJW HOOHU † DWW XSSK|UD PHG YHUNVDPKHWHQ KDU InWW ODJD NUDIW (WW ILQDQVLHOOW LQVWLWXW VND RFNVn WDV ERUW XU UHJLVWUHW RP GHW DQPlOHU DWW GHW LQWH OlQJUH lJQDU VLJ nW YHUNVDPKHW VRP RPIDWWDV DY ODJHQ HOOHU RP GHW Sn QnJRW DQQDW VlWW IUDPJnU DWW

UHJLVWUHULQJVSOLNW LQWH OlQJUH JlOOHU

'HQQD ODJ WUlGHU L NUDIW GHQ IHEUXDUL

/DJHQ RPWU\FNW 6HQDVWH O\GHOVH DY ODJHQV UXEULN

opaginerad )|UVODJ WLOO ODJ RP lQGULQJ L ODJHQ Kontrollera mot PDF

)|UVODJ WLOO ODJ RP lQGULQJ L ODJHQ

RP EHODVWQLQJVUHJLVWHU

+lULJHQRP I|UHVNULYV DWW † ODJHQ RP EHODVWQLQJVUHJLVWHU

VND KD I|OMDQGH O\GHOVH

Nuvarande lydelse

Föreslagen lydelse

† (Q HQVNLOG KDU UlWW DWW Sn EHJlUDQ VNULIWOLJHQ In WD GHO DY VDPWOLJD XSS JLIWHU XU UHJLVWUHW RP VLJ VMlOY 6nGDQD XSSJLIWHU VND Sn EHJlUDQ OlPQDV XW

XWDQ DYJLIW HQ JnQJ SHU NDOHQGHUnU (Q HQVNLOG VRP EHK|YHU HWW UHJLVWHUXWGUDJ RP VLJ VMlOY KDU UlWW DWW In HWW

EHJUlQVDW XWGUDJ XU UHJLVWUHW I|U DWW NXQQD WD WLOO YDUD VLQ UlWW L HWW IUlPPDQGH ODQG HOOHU In WLOOVWnQG

DWW UHVD LQ ERVlWWD VLJ HOOHU DUEHWD GlU

HQOLJW EHVWlPPHOVHU L VNROODJHQ

HQOLJW EHVWlPPHOVHU L ODJHQ

HQOLJW EHVWlPPHOVHU L ODJHQ

(2005:405)

RP

försäkrings-

(2018:000)

RP

försäkrings-

förmedling

distribution

HQOLJW EHVWlPPHOVHU L ODJHQ RP UHJLVWHUNRQWUROO DY SHUVRQDO YLG YLVVD ERHQGHQ VRP WDU HPRW EDUQ

HQOLJW EHVWlPPHOVHU L ODJHQ RP UHJLVWHUNRQWUROO DY SHUVRQDO VRP XWI|U YLVVD LQVDWVHU nW EDUQ PHG IXQNWLRQVKLQGHU HOOHU

HQOLJW EHVWlPPHOVHU L ODJHQ RP UHJLVWHUNRQWUROO DY

SHUVRQHU VRP VND DUEHWD PHG EDUQ

5HJHULQJHQ HOOHU L IUnJD RP

5HJHULQJHQ HOOHU L IUnJD RP

DQGUD VW\FNHW SXQNWHUQD ± GHQ

DQGUD VW\FNHW SXQNWHUQD ± GHQ

P\QGLJKHW UHJHULQJHQ EHVWlPPHU

P\QGLJKHW som UHJHULQJHQ EHVWlP

InU PHGGHOD I|UHVNULIWHU RP YLOND

PHU InU PHGGHOD I|UHVNULIWHU RP

XSSJLIWHU HWW VnGDQW XWGUDJ VND

YLOND XSSJLIWHU HWW VnGDQW XWGUDJ

LQQHKnOOD

VND LQQHKnOOD

(Q EHJlUDQ RP XSSJLIWHU XU UHJLVWUHW VND YDUD VNULIWOLJ RFK XQGHU WHFNQDG DY GHQ V|NDQGH

'HQQD ODJ WUlGHU L NUDIW GHQ IHEUXDUL

6HQDVWHO\GHOVH

opaginerad )|UVODJ WLOO ODJ RP lQGULQJ L ODJHQ Kontrollera mot PDF

)|UVODJ WLOO ODJ RP lQGULQJ L ODJHQ

RP ILQDQVLHOO UnGJLYQLQJ WLOO NRQVXPHQWHU

+lULJHQRP I|UHVNULYV DWW D † ODJHQ RP ILQDQVLHOO UnGJLY QLQJ WLOO NRQVXPHQWHU VND KD I|OMDQGH O\GHOVH

Lydelse enligt prop. 2016/17:162

Föreslagen lydelse

D † %HVWlPPHOVHUQD L RFK †† JlOOHU LQWH ILQDQVLHOO UnGJLYQLQJ VRP WLOO

KDQGDKnOOV DY

IRQGERODJ RFK I|UYDOWQLQJVERODJ HQOLJW ODJHQ RP YlUGH

SDSSHUVIRQGHU

I|UVlNULQJVI|UPHGODUH

HQOLJW

I|UVlNULQJVI|UPHGODUH HQOLJW

5 kap. 1 §

I|UVWD

VW\FNHW

ODJHQ

2 kap. 11 §

I|UVWD VW\FNHW ODJHQ

(2005:405)

RP

försäkringsför-

(2018:000)

RP försäkringsdistri-

medling

bution

YlUGHSDSSHUVLQVWLWXW RFK XWOlQGVND YlUGHSDSSHUVI|UHWDJ HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ HOOHU

$,) I|UYDOWDUH HQOLJW ODJHQ RP I|UYDOWDUH DY DOWHUQDWLYD LQYHVWHULQJVIRQGHU

'HQQD ODJ WUlGHU L NUDIW GHQ IHEUXDUL

opaginerad )|UVODJ WLOO ODJ RP lQGULQJ L ODJHQ Kontrollera mot PDF

)|UVODJ WLOO ODJ RP lQGULQJ L ODJHQ

RP YlUGHSDSSHUVIRQGHU

+lULJHQRP I|UHVNULYV DWW NDS D RFK †† RFK NDS † ODJHQ

RP YlUGHSDSSHUVIRQGHU VND KD I|OMDQGH O\GHOVH

Nuvarande lydelse

Föreslagen lydelse

NDS

D †

)LQDQVLQVSHNWLRQHQ VND LQJULSD PRW QnJRQ VRP LQJnU L HWW IRQGERODJV

VW\UHOVH HOOHU lU GHVV YHUNVWlOODQGH GLUHNW|U HOOHU HUVlWWDUH I|U QnJRQ DY

GHP RP IRQGERODJHW

KDU InWW WLOOVWnQG DWW GULYD IRQGYHUNVDPKHW JHQRP DWW OlPQD IDOVND

XSSJLIWHU HOOHU Sn DQQDW RWLOOE|UOLJW VlWW

WLOOKDQGDKnOOHU GLVNUHWLRQlU SRUWI|OMI|UYDOWQLQJ L VWULG PHG NDS †

SnE|UMDU PDUNQDGVI|ULQJ DY HQ DY ERODJHW I|UYDOWDG YlUGHSDSSHUV

IRQG L HWW DQQDW ODQG LQRP ((6 LQQDQ HQ XQGHUUlWWHOVH RP GHWWD JMRUWV KRV

)LQDQVLQVSHNWLRQHQ L HQOLJKHW PHG NDS F †

LQWH XSSI\OOHU JUXQGOlJJDQGH NUDY Sn RUJDQLVDWLRQ RFK GULIW DY

YHUNVDPKHWHQ HQOLJW NDS HOOHU I † HOOHU I|UHVNULIWHU VRP KDU

PHGGHODWV PHG VW|G DY NDS † DYVHHQGH GHVVD EHVWlPPHOVHU

nVLGRVlWWHU VLQD VN\OGLJKHWHU HOOHU Sn DQQDW VlWW |YHUWUlGHU GHW VRP

DQJHV RP XSSGUDJVDYWDO L NDS ± †† RFK † I|UVWD VW\FNHW

SnE|UMDU I|UYDOWQLQJ RFK PDUNQDGVI|ULQJ DY HQ YlUGHSDSSHUVIRQG

XWDQ DWW IRQGEHVWlPPHOVHUQD JRGNlQWV HQOLJW NDS †

YLG XSSUHSDGH WLOOIlOOHQ OnWHU EOL DWW XSSUlWWD HOOHU WLOOKDQGDKnOOD

LQIRUPDWLRQVEURVFK\U IDNWDEODG nUVEHUlWWHOVH RFK KDOYnUVEHUlWWHOVH L

HQOLJKHW PHG NDS ± ††

YLG XSSUHSDGH WLOOIlOOHQ SOD

YLG XSSUHSDGH WLOOIlOOHQ SOD

FHUDU PHGHO L HQ YlUGHSDSSHUVIRQG

FHUDU PHGHO L HQ YlUGHSDSSHUVIRQG

L VWULG PHG GHW VRP DQJHV L NDS

L VWULG PHG GHW VRP DQJHV L NDS

± HOOHU † HOOHU I|UH

± HOOHU † HOOHU I|UH

VNULIWHU VRP KDU PHGGHODWV PHG

VNULIWHU VRP KDU PHGGHODWV PHG

VW|G DY NDS † 9, 12 och

VW|G DY NDS † 11, och

DYVHHQGH GHVVD EHVWlPPHOVHU

14 DYVHHQGH GHVVD EHVWlPPHOVHU

LQWH XSSI\OOHU NUDYHQ Sn

LQWH XSSI\OOHU NUDYHQ Sn

KDQWHULQJ DY ULVNHU L NDS †

KDQWHULQJ DY ULVNHU L NDS †

I|UVWD HOOHU DQGUD VW\FNHW HOOHU L

I|UVWD HOOHU DQGUD VW\FNHW HOOHU L

I|UHVNULIWHU VRP KDU PHGGHODWV

I|UHVNULIWHU VRP KDU PHGGHODWV

PHG VW|G DY NDS † 11 DY

PHG VW|G DY NDS † 12 DY

VHHQGH GHVVD EHVWlPPHOVHU

VHHQGH GHVVD EHVWlPPHOVHU

L VWULG PHG NDS † I|UVWD VW\FNHW OnWHU EOL DWW WLOO )LQDQVLQVSHN WLRQHQ DQPlOD VnGDQD I|UYlUY RFK DY\WWULQJDU VRP DYVHV GlU HOOHU

6HQDVWH O\GHOVH DY ODJHQV UXEULN 6HQDVWH O\GHOVH

opaginerad DNWLHU L ERODJHW VDPW VWRUOHNHQ Sn LQQHKDYHW Kontrollera mot PDF

L VWULG PHG NDS † WUHGMH VW\FNHW OnWHU EOL DWW WLOO )LQDQVLQVSHN

WLRQHQ DQPlOD QDPQHQ Sn GH lJDUH VRP KDU HWW NYDOLILFHUDW LQQHKDY DY

DNWLHU L ERODJHW VDPW VWRUOHNHQ Sn LQQHKDYHW

2P HQ VnGDQ SHUVRQ VRP DQJHV L I|UVWD VW\FNHW RPIDWWDV DY WLOOVWnQGV

HOOHU XQGHUUlWWHOVHVN\OGLJKHW HQOLJW NDS HOOHU † I|U I|UYlUY HOOHU

DY\WWULQJ DY DNWLHU L ERODJHW VND I|UVWD VW\FNHW RFK LQWH JlOOD I|U

GHQ SHUVRQHQ L IUnJD RP GHVVD DNWLHU

(WW LQJULSDQGH HQOLJW I|UVWD VW\FNHW InU VNH HQGDVW RP ERODJHWV |YHU

WUlGHOVH lU DOOYDUOLJ RFK SHUVRQHQ L IUnJD XSSVnWOLJHQ HOOHU DY JURY RDNW

VDPKHW KDU RUVDNDW |YHUWUlGHOVHQ

,QJULSDQGH VNHU JHQRP

EHVOXW DWW SHUVRQHQ L IUnJD XQGHU HQ YLVV WLG OlJVW WUH RFK K|JVW WLR nU

HOOHU I|U XSSUHSDGH DOOYDUOLJD |YHUWUlGHOVHU SHUPDQHQW LQWH InU YDUD

VW\UHOVHOHGDPRW HOOHU YHUNVWlOODQGH GLUHNW|U L HWW IRQGERODJ HOOHU HUVlWWDUH

I|U QnJRQ DY GHP HOOHU

EHVOXW RP VDQNWLRQVDYJLIW

†

2P HWW IRQGERODJ LQWH L WLG

2P HWW IRQGERODJ LQWH L WLG

OlPQDU GH XSSO\VQLQJDU VRP GHW lU

OlPQDU GH XSSO\VQLQJDU VRP GHW lU

VN\OGLJW DWW J|UD HQOLJW I|UHVNULIWHU

VN\OGLJW DWW J|UD HQOLJW I|UHVNULIWHU

VRP PHGGHODWV PHG VW|G DY

VRP PHGGHODWV PHG VW|G DY

NDS † 21 InU )LQDQVLQVSHN

NDS † 22 InU )LQDQVLQVSHN

WLRQHQ EHVOXWD DWW ERODJHW VND

WLRQHQ EHVOXWD DWW ERODJHW VND

EHWDOD HQ I|UVHQLQJVDYJLIW Sn K|JVW

EHWDOD HQ I|UVHQLQJVDYJLIW Sn K|JVW

NURQRU

NURQRU

$YJLIWHQ WLOOIDOOHU VWDWHQ

NDS

†

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU PHG GHOD I|UHVNULIWHU RP

YLOND SRVWHU VRP InU UlNQDV LQ L VWDUWNDSLWDOHW HQOLJW NDS † YLOND SRVWHU VRP InU UlNQDV LQ L HJQD PHGHO HQOLJW NDS RFK

††

Sn YLONHW VSUnN XQGHUUlWWHOVHQ HQOLJW NDS F † I|UVWD VW\FNHW VND VNULYDV

KXU IRQGERODJHW VND RIIHQWOLJJ|UD KDQGOLQJDUQD HQOLJW NDS F † WUHGMH VW\FNHW

YDG HWW IRQGERODJ VND LDNWWD I|U DWW XSSI\OOD VN\OGLJKHWHUQD L NDS

F RFK I ††

6. vilka åtgärder ett fondbolag

ska vidta för att uppfylla de krav

som följer av 2 kap. 17 g §,

6 YLONHQ LQIRUPDWLRQ VRP VND

7 YLONHQ LQIRUPDWLRQ VRP VND

OlPQDV L XQGHUUlWWHOVHQ WLOO DQGHOV

OlPQDV L XQGHUUlWWHOVHQ WLOO DQGHOV

6HQDVWHO\GHOVH 6HQDVWHO\GHOVH

opaginerad lJDUH HQOLJW NDS D † RFK Sn YLONHW VlWW XQGHUUlWWHOVHQ VND OlPQDV Kontrollera mot PDF

lJDUH HQOLJW NDS D † RFK Sn YLONHW VlWW XQGHUUlWWHOVHQ VND OlPQDV

7 WLOOKDQGDKnOODQGH DY LQIRU PDWLRQVEURVFK\U RFK IDNWDEODG HQOLJW NDS †

8 Sn YLONHW VSUnN LQIRUPDWLRQHQ HQOLJW NDS † VND WLOOKDQGD KnOODV

9 NULWHULHU I|U GH ILQDQVLHOOD WLOOJnQJDU VRP PHGHO L HQ YlUGH SDSSHUVIRQG InU SODFHUDV L HQOLJW NDS † DQGUD VW\FNHW I|UVWD PHQLQJHQ

10 YLOND WHNQLNHU RFK LQVWUXPHQW HWW IRQGERODJ InU DQYlQGD HQOLJW NDS † WUHGMH VW\FNHW VDPW YLOONRU RFK JUlQVHU I|U VnGDQ DQYlQGQLQJ

11 GHW V\VWHP I|U ULVNKDQWHULQJ som HWW IRQGERODJ VND KD HQOLJW NDS † I|UVWD RFK DQGUD VW\FNHQD

12 NULWHULHU I|U LQGH[IRQGHU HQOLJW NDS †

13 EHUlNQLQJ DY H[SRQHULQJDU HQOLJW NDS RFK ††

14 Sn YLONHW VlWW XQGHUUlWWHOVHQ WLOO DQGHOVlJDUQD HQOLJW D NDS † VND OlPQDV

15 YLOND IHO RFK I|UVXPPHOVHU VRP VND UDSSRUWHUDV HQOLJW D NDS †

16 I|UXWVlWWQLQJDU I|U |YHUI|U LQJ DY ILQDQVLHOOD LQVWUXPHQW RFK I|UYDOWQLQJ HQOLJW D NDS RFK ††

17 YLOND nWJlUGHU som HWW IRQG ERODJ VND YLGWD RP GHW WDU HPRW PHGHO PHG UHGRYLVQLQJVVN\OGLJKHW HQOLJW NDS †

18 YLOND nWJlUGHU som HWW IRQG

ERODJ VND YLGWD I|U DWW XSSI\OOD GH NUDY VRP I|OMHU DY bestämmelserna

L NDS †

19 YDG LQIRUPDWLRQHQ HQOLJW NDS † VND LQQHKnOOD KXU GHQ VND XWIRUPDV Sn YLONHW VlWW GHQ VND WLOOKDQGDKnOODV RFK YDG VRP VND ELIRJDV LQIRUPDWLRQHQ

20 Sn YLONHW VSUnN GH KDQGOLQJDU

lJDUH HQOLJW NDS D † RFK Sn YLONHW VlWW XQGHUUlWWHOVHQ VND OlPQDV

8 WLOOKDQGDKnOODQGH DY LQIRU PDWLRQVEURVFK\U RFK IDNWDEODG HQOLJW NDS †

9 Sn YLONHW VSUnN LQIRUPDWLRQHQ HQOLJW NDS † VND WLOOKDQGD KnOODV

10 NULWHULHU I|U GH ILQDQVLHOOD WLOOJnQJDU VRP PHGHO L HQ YlUGH SDSSHUVIRQG InU SODFHUDV L HQOLJW NDS † DQGUD VW\FNHW I|UVWD PHQLQJHQ

11 YLOND WHNQLNHU RFK LQVWUXPHQW HWW IRQGERODJ InU DQYlQGD HQOLJW NDS † WUHGMH VW\FNHW VDPW YLOONRU RFK JUlQVHU I|U VnGDQ DQYlQGQLQJ

12 GHW V\VWHP I|U ULVNKDQWHULQJ HWW IRQGERODJ VND KD HQOLJW NDS † I|UVWD RFK DQGUD VW\FNHQD

13 NULWHULHU I|U LQGH[IRQGHU HQOLJW NDS †

14 EHUlNQLQJ DY H[SRQHULQJDU HQOLJW NDS RFK ††

15 Sn YLONHW VlWW XQGHUUlWWHOVHQ WLOO DQGHOVlJDUQD HQOLJW D NDS † VND OlPQDV

16 YLOND IHO RFK I|UVXPPHOVHU VRP VND UDSSRUWHUDV HQOLJW D NDS †

17 I|UXWVlWWQLQJDU I|U |YHUI|U LQJ DY ILQDQVLHOOD LQVWUXPHQW RFK I|UYDOWQLQJ HQOLJW D NDS RFK ††

18 YLOND nWJlUGHU HWW IRQGERODJ VND YLGWD RP GHW WDU HPRW PHGHO PHG UHGRYLVQLQJVVN\OGLJKHW HQOLJW NDS †

19 YLOND nWJlUGHU HWW IRQGERODJ VND YLGWD I|U DWW XSSI\OOD GH NUDY VRP I|OMHU DY L NDS †

20 YDG LQIRUPDWLRQHQ HQOLJW NDS † VND LQQHKnOOD KXU GHQ VND XWIRUPDV Sn YLONHW VlWW GHQ VND WLOOKDQGDKnOODV RFK YDG VRP VND ELIRJDV LQIRUPDWLRQHQ

21 Sn YLONHW VSUnN GH KDQGOLQJDU

opaginerad lJDUH HQOLJW NDS D † RFK Sn YLONHW VlWW XQGHUUlWWHOVHQ VND OlPQDV Kontrollera mot PDF

VRP VND OlPQDV WLOOVDPPDQV PHG

VRP VND OlPQDV WLOOVDPPDQV PHG

DQV|NDQ HQOLJW NDS † VND

DQV|NDQ HQOLJW NDS † VND

XSSUlWWDV

XSSUlWWDV

21 YLOND XSSO\VQLQJDU som IRQG

22 YLOND XSSO\VQLQJDU IRQG

ERODJ I|UYDOWQLQJVERODJ IRQGI|UH

ERODJ I|UYDOWQLQJVERODJ IRQGI|UH

WDJ VDPW I|UYDULQJVLQVWLWXW VND

WDJ VDPW I|UYDULQJVLQVWLWXW VND

OlPQD WLOO )LQDQVLQVSHNWLRQHQ HQ

OlPQD WLOO )LQDQVLQVSHNWLRQHQ HQ

OLJW NDS † I|UVWD VW\FNHW RFK

OLJW NDS † I|UVWD VW\FNHW RFK

QlU XSSO\VQLQJDUQD VND OlPQDV

QlU XSSO\VQLQJDUQD VND OlPQDV

RFK

RFK

22 VnGDQD DYJLIWHU I|U WLOOV\Q

23 VnGDQD DYJLIWHU I|U WLOOV\Q

VRP DYVHV L NDS †

VRP DYVHV L NDS †

'HQQD ODJ WUlGHU L NUDIW GHQ MDQXDUL

opaginerad lJDUH HQOLJW NDS D † RFK Sn YLONHW VlWW XQGHUUlWWHOVHQ VND OlPQDV Kontrollera mot PDF

)|UVODJ WLOO ODJ RP lQGULQJ L ODJHQ RP lQGULQJ L ODJHQ RP YlUGHSDSSHUVIRQGHU

+lULJHQRP I|UHVNULYV DWW NDS J † ODJHQ RP YlUGHSDSSHUVIRQGHU L VWlOOHW I|U O\GHOVHQ HQOLJW ODJHQ RP lQGULQJ L GHQ ODJHQ VND KD I|OMDQGH O\GHOVH

Lydelse enligt prop. 2016/17:162

Föreslagen lydelse

NDS

J †

(WW IRQGERODJ VRP L VLQ YHUNVDP

(WW IRQGERODJ VRP L VLQ YHUNVDP

KHW OlPQDU UnG WLOO icke-profession-

KHW OlPQDU UnG WLOO NXQGHU RP IRQG

ella NXQGHU RP IRQGDQGHODU L DQGUD

DQGHODU L DQGUD IDOO lQ GHW VRP

IDOO lQ GHW VRP DYVHV L NDS †

DYVHV L NDS † I|UVWD VW\FNHW

I|UVWD VW\FNHW VND QlU GHW XWI|U

VND QlU GHW XWI|U VnGDQD WMlQVWHU

VnGDQD WMlQVWHU WLOOlPSD NDS

WLOOlPSD NDS RFK †† RFK

RFK †† RFK NDS ±

NDS ± RFK ±

RFK ± †† ODJHQ

†† ODJHQ RP YlUGH

RP YlUGHSDSSHUV

SDSSHUVPDUNQDGHQ

PDUNQDGHQ .

opaginerad )|UVODJ WLOO ODJ RP lQGULQJ L ODJHQ Kontrollera mot PDF

)|UVODJ WLOO ODJ RP lQGULQJ L ODJHQ

RP YlUGHSDSSHUVPDUNQDGHQ

+lULJHQRP I|UHVNULYV DWW NDS RFK †† NDS † RFK NDS † ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ VND KD I|OMDQGH O\GHOVH

Lydelse enligt prop. 2016/17:162

Föreslagen lydelse

NDS

†

(WW YlUGHSDSSHUVERODJ InU HIWHU WLOOVWnQG DY )LQDQVLQVSHNWLRQHQ GULYD DQQDQ YHUNVDPKHW lQ DWW WLOOKDQGDKnOOD GH VLGRWMlQVWHU VRP DQJHV L †

(WW YlUGHSDSSHUVERODJ InU HIWHU WLOOVWnQG DY )LQDQVLQVSHNWLRQHQ GULYD

YDOXWDKDQGHO

7LOOVWnQG HQOLJW I|UVWD VW\FNHW EHK|YV LQWH I|U DWW utöva försäk- ringsförmedling XQGHU GH I|UXW

VlWWQLQJDU VRP I|UHVNULYV L ODJHQ

(2005:405) RP försäkringsför- medling

7LOOVWnQG HQOLJW I|UVWD VW\FNHW EHK|YV LQWH I|U DWW bedriva försäk- ringsdistribution XQGHU GH I|UXW

VlWWQLQJDU VRP I|UHVNULYV L ODJHQ

(2018:000) RP försäkringsdistri- bution

, NDS ILQQV EHVWlPPHOVHU RP WLOOKDQGDKnOODQGH DY YLVVD GDWD UDSSRUWHULQJVWMlQVWHU

† 7LOOVWnQG HQOLJW † EHK|YV LQWH I|U 6YHULJHV ULNVEDQN 5LNVJlOGVNRQWRUHW RFK .DPPDUNROOHJLHW DQNQXWQD RPEXG I|U GH YHUNVDPKHWHU VRP DQJHV L NDS E † E|UV VRP GULYHU YHUNVDPKHW PHG VW|G DY VLWW WLOOVWnQG I|UVlNULQJVI|UHWDJ PHG WLOOVWnQG HQOLJW I|UVlNULQJVU|UHOVHODJHQ

I|UHWDJ LQRP HQ NRQFHUQ VRP WLOOKDQGDKnOOHU LQYHVWHULQJVWMlQVWHU XWHVOXWDQGH WLOO DQGUD I|UHWDJ L NRQFHUQHQ

I\VLVND RFK MXULGLVND SHUVRQHU VRP WLOOKDQGDKnOOHU LQYHVWHULQJV WMlQVWHU RP WMlQVWHQ WLOOKDQGDKnOOV WLOOIlOOLJW L VDPEDQG PHG DQQDQ \UNHV PlVVLJ YHUNVDPKHW VRP UHJOHUDV DY

D EHVWlPPHOVHU L ODJ HOOHU DQQDQ I|UIDWWQLQJ HOOHU

E HWLVND UHJOHU VRP DYVHU \UNHVYHUNVDPKHWHQ L IUnJD RFK VRP LQWH XWHVOXWHU DWW WMlQVWHQ WLOOKDQGDKnOOV

I\VLVND RFK MXULGLVND SHUVRQHU VRP I|U HJHQ UlNQLQJ KDQGODU PHG DQGUD ILQDQVLHOOD LQVWUXPHQW lQ UnYDUXGHULYDW HOOHU XWVOlSSVUlWWHU HOOHU GHULYDW KlQI|UOLJD WLOO XWVOlSSVUlWWHU RFK VRP LQWH WLOOKDQGDKnOOHU DQGUD LQYHVWHULQJVWMlQVWHU HOOHU XWI|U DQQDQ LQYHVWHULQJVYHUNVDPKHW PHG DQGUD ILQDQVLHOOD LQVWUXPHQW lQ UnYDUXGHULYDW HOOHU XWVOlSSVUlWWHU HOOHU GHULYDW KlQI|UOLJD WLOO XWVOlSSVUlWWHU VnYLGD GH LQWH

D lU PDUNQDGVJDUDQWHU E lU GHOWDJDUH Sn HQ UHJOHUDG PDUNQDG HOOHU HQ 07) SODWWIRUP HOOHU KDU

GLUHNW HOHNWURQLVNW WLOOWUlGH WLOO HQ KDQGHOVSODWV PHG XQGDQWDJ DY LFNH ILQDQVLHOOD HQKHWHU VRP Sn HQ KDQGHOVSODWV JHQRPI|U WUDQVDNWLRQHU VRP Sn HWW REMHNWLYW PlWEDUW VlWW PLQVNDU ULVNHU VRP VWnU L GLUHNW VDPEDQG PHG

opaginerad NRQFHUQHU GH LQJnU L Kontrollera mot PDF

DIIlUVYHUNVDPKHWHQ HOOHU OLNYLGLWHWVI|UYDOWQLQJHQ KRV GHP HOOHU GH

NRQFHUQHU GH LQJnU L

F WLOOlPSDU HQ WHNQLN I|U DOJRULWPLVN K|JIUHNYHQVKDQGHO HOOHU

G KDQGODU I|U HJHQ UlNQLQJ YLG XWI|UDQGHW DY NXQGRUGHU

I|UHWDJ VRP WLOOKDQGDKnOOHU LQYHVWHULQJVWMlQVWHU VRP XWHVOXWDQGH

EHVWnU L I|UYDOWQLQJ DY HWW SURJUDP VRP V\IWDU WLOO GHOlJDUVNDS I|U GH DQ

VWlOOGD L I|UHWDJHW

I|UHWDJ VRP WLOOKDQGDKnOOHU EnGH

D LQYHVWHULQJVWMlQVWHU VRP XWHVOXWDQGH EHVWnU L I|UYDOWQLQJ DY SURJUDP

VRP V\IWDU WLOO GHOlJDUVNDS I|U GH DQVWlOOGD L I|UHWDJHW RFK

E DQGUD LQYHVWHULQJVWMlQVWHU lQ VnGDQD VRP DQJHV L D XWHVOXWDQGH WLOO

DQGUD I|UHWDJ L NRQFHUQHQ

IRQGERODJ I|UYDOWQLQJVERODJ RFK IRQGI|UHWDJ VRP InU GULYD YHUN

VDPKHW HQOLJW ODJHQ RP YlUGHSDSSHUVIRQGHU VDPW $,) I|UYDO

WDUH VRP InU GULYD YHUNVDPKHW HQOLJW ODJHQ RP I|UYDOWDUH DY

DOWHUQDWLYD LQYHVWHULQJVIRQGHU L DQGUD IDOO lQ HIWHU UHJLVWUHULQJ HQOLJW

NDS GHQ ODJHQ

I|UHWDJ VRP KDQGODU PHG UnYDUXGHULYDW XWVOlSSVUlWWHU HOOHU GHULYDW

KlQI|UOLJD WLOO XWVOlSSVUlWWHU I|U HJHQ UlNQLQJ XWDQ DWW XWI|UD NXQGRUGHU

HOOHU WLOOKDQGDKnOOHU LQYHVWHULQJVWMlQVWHU L IUnJD RP VnGDQD LQVWUXPHQW WLOO

NXQGHUQD L VLQ KXYXGVDNOLJD YHUNVDPKHW RP

D GHWWD XWJ|U HQ NRPSOHWWHUDQGH YHUNVDPKHW HOOHU RP I|UHWDJHW LQJnU L

HQ NRQFHUQ GHWWD XWJ|U HQ NRPSOHWWHUDQGH YHUNVDPKHW VHWW WLOO NRQFHUQHQ

L GHVV KHOKHW

E GHQ KXYXGVDNOLJD YHUNVDPKHWHQ LQWH XWJ|UV DY WLOOKDQGDKnOODQGH DY

LQYHVWHULQJVWMlQVWHU HOOHU VnGDQD WMlQVWHU VRP DYVHV L NDS † ODJHQ

RP EDQN RFK ILQDQVLHULQJVU|UHOVH HOOHU YHUNVDPKHW VRP

PDUNQDGVJDUDQW I|U UnYDUXGHULYDW

F I|UHWDJHW LQWH WLOOlPSDU HQ WHNQLN I|U DOJRULWPLVN K|JIUHNYHQVKDQGHO

RFK

G I|UHWDJHW nUOLJHQ DQPlOHU WLOO )LQDQVLQVSHNWLRQHQ DWW XQGDQWDJHW

XWQ\WWMDV VDPW Sn LQVSHNWLRQHQV EHJlUDQ UDSSRUWHUDU Sn YLONHQ JUXQG I|UH

WDJHW DQVHU DWW YHUNVDPKHWHQ HQGDVW lU HQ NRPSOHWWHUDQGH YHUNVDPKHW

I\VLVND RFK MXULGLVND SHUVRQHU VRP WLOOKDQGDKnOOHU LQYHVWHULQJV

UnGJLYQLQJ LQRP UDPHQ I|U DQQDQ \UNHVPlVVLJ YHUNVDPKHW lQ VnGDQ VRP

RPIDWWDV DY EHVWlPPHOVHUQD L GHQQD ODJ RP GHW LQWH OlPQDV QnJRQ VSHFL

ILN HUVlWWQLQJ I|U UnGJLYQLQJHQ

I\VLVND RFK MXULGLVND SHUVRQHU VRP XWI|U LQYHVWHULQJVYHUNVDPKHW

GRFN LQWH GULIW DY HQ DQGUDKDQGVPDUNQDG HOOHU WLOOKDQGDKnOOHU LQYHVWH

ULQJVWMlQVWHU U|UDQGH UnYDUXGHULYDW I|U DWW IXOOJ|UD XSSJLIWHU

± HQOLJW (XURSDSDUODPHQWHWV RFK UnGHWV GLUHNWLY (* DY GHQ

MXOL RP JHPHQVDPPD UHJOHU I|U GHQ LQUH PDUNQDGHQ I|U HO RFK

RP XSSKlYDQGH DY GLUHNWLY (* L GHQ XUVSUXQJOLJD O\GHOVHQ

± HQOLJW (XURSDSDUODPHQWHWV RFK UnGHWV GLUHNWLY (* DY GHQ

MXOL RP JHPHQVDPPD UHJOHU I|U GHQ LQUH PDUNQDGHQ I|U QDWXUJDV

RFK RP XSSKlYDQGH DY GLUHNWLY (* L GHQ XUVSUXQJOLJD O\GHOVHQ

± HQOLJW (XURSDSDUODPHQWHWV RFK UnGHWV I|URUGQLQJ (* QU

DY GHQ MXOL RP YLOONRU I|U WLOOWUlGH WLOO QlW I|U JUlQV|YHUVNULGDQGH

HOKDQGHO RFK RP XSSKlYDQGH DY I|URUGQLQJ (* QU HOOHU

HQOLJW VnGDQD QlWI|UHVNULIWHU HOOHU ULNWOLQMHU VRP KDU DQWDJLWV HQOLJW I|URUG

QLQJHQ HOOHU

opaginerad ± HQOLJW (XURSDSDUODPHQWHWV RFK UnGHWV I|URUGQLQJ (* QU Kontrollera mot PDF

± HQOLJW (XURSDSDUODPHQWHWV RFK UnGHWV I|URUGQLQJ (* QU

DY GHQ MXOL RP YLOONRU I|U WLOOWUlGH WLOO QDWXUJDV|YHUI|ULQJVQlWHQ

RFK RP XSSKlYDQGH DY I|URUGQLQJ (* QU HOOHU HQOLJW VnGDQD

QlWI|UHVNULIWHU HOOHU ULNWOLQMHU VRP KDU DQWDJLWV HQOLJW I|URUGQLQJHQ RP

D SHUVRQHQ lU HQ VnGDQ V\VWHPDQVYDULJ I|U |YHUI|ULQJVV\VWHPHW VRP

DYVHV L DUWLNHO L (XURSDSDUODPHQWHWV RFK UnGHWV GLUHNWLY (* L

GHQ XUVSUXQJOLJD O\GHOVHQ HOOHU DUWLNHO L (XURSDSDUODPHQWHWV RFK

UnGHWV GLUHNWLY (* L GHQ XUVSUXQJOLJD O\GHOVHQ

E SHUVRQHQ WLOOKDQGDKnOOHU WMlQVWHU WLOO HQ V\VWHPDQVYDULJ VRP DYVHV L D

RFK IXOOJ|U XSSJLIWHUQD I|U GHQ V\VWHPDQVYDULJHV UlNQLQJ HOOHU

F SHUVRQHQ lU RSHUDW|U HOOHU I|UYDOWDUH DY HQHUJLEDODQVHULQJVV\VWHP

U|UOHGQLQJVQlW HOOHU V\VWHP I|U EDODQVHULQJ DY WLOOJnQJHQ RFK HIWHUIUnJDQ

Sn HQHUJL

YHUNVDPKHW

HQOLJW

†

YHUNVDPKHW HQOLJW

†

RFK VRP GULYV DY GHQ VRP lU

RFK VRP GULYV DY GHQ VRP lU

UHJLVWUHUDG I|U förmedling DY DOOD

UHJLVWUHUDG I|U GLVWULEXWLRQ DY DOOD

VODJ DY I|UVlNULQJDU HOOHU EDUD OLY

VODJ DY I|UVlNULQJDU HOOHU EDUD OLY

I|UVlNULQJDU HQOLJW NDS † ODJHQ

I|UVlNULQJDU HQOLJW NDS † ODJHQ

(2005:405)

RP

försäkrings-

(2018:000) RP försäkringsdistri-

förmedling RP

bution RP

D YHUNVDPKHWHQ EDUD lU HQ VLGR

D YHUNVDPKHWHQ

EDUD lU HQ

YHUNVDPKHW WLOO försäkringsförmed-

VLGRYHUNVDPKHW

WLOO

försäkrings-

lingen RFK EDUD DYVHU mottagande

distributionen

RFK

EDUD

DYVHU

och vidarebefordran av order DY

investeringsrådgivning

DYVHHQGH

VHHQGH DQGHODU L YlUGHSDSSHUV

DQGHODU L YlUGHSDSSHUVIRQGHU HOOHU

IRQGHU HOOHU VnGDQD IRQGI|UHWDJ

VnGDQD IRQGI|UHWDJ VRP DYVHV L

VRP DYVHV L NDS † ODJHQ RP

NDS † ODJHQ RP YlUGHSDSSHUV

YlUGHSDSSHUVIRQGHU HOOHU DQGHODU L

IRQGHU HOOHU DQGHODU L VSHFLDOIRQGHU

VSHFLDOIRQGHU HOOHU VnGDQD XWOlQG

HOOHU VnGDQD XWOlQGVND IRQGHU VRP

VND IRQGHU VRP DYVHV L NDS

DYVHV L NDS HOOHU † HOOHU

HOOHU † HOOHU NDS † I|UVWD

NDS † I|UVWD VW\FNHW HOOHU

VW\FNHW HOOHU DQGUD VW\FNHW HOOHU

DQGUD VW\FNHW HOOHU † I|UVWD

† I|UVWD VW\FNHW ODJHQ RP I|U

VW\FNHW ODJHQ RP I|UYDOWDUH DY

YDOWDUH DY DOWHUQDWLYD LQYHVWH

DOWHUQDWLYD LQYHVWHULQJVIRQGHU , om

ULQJVIRQGHU

samt investeringsråd-

dessa andelar är tillgångar som

givning avseende sådana andelar

svarar mot avsättningar för vilka

försäkringstagaren

eller

andra

ersättningsberättigade

bär

place-

ringsrisken enligt 6 kap. 8 § första

stycket

försäkringsrörelselagen

E kunders order vidarebeford-

och

E försäkringsförmedlaren

i

ras bara direkt till fondbolag,

denna verksamhet inte tar emot

förvaltningsbolag,

fondföretag,

kunders medel eller andelar i

samt AIF-förvaltare som avses i a

fonder eller fondföretag

RFK

c) försäkringsförmedlaren

i

denna verksamhet inte tar emot kunders medel eller andelar i fonder eller fondföretag,

opaginerad I|UHWDJ VRP lU YHUNVDPKHWVXW|YDUH HQOLJW NDS Kontrollera mot PDF

I|UHWDJ VRP lU YHUNVDPKHWVXW|YDUH HQOLJW NDS

D † ODJHQ

RP KDQGHO PHG XWVOlSSVUlWWHU VRP KDQGODU PHG XWVOlSSV

UlWWHU I|U HJHQ UlNQLQJ RP

D I|UHWDJHW LQWH WLOOKDQGDKnOOHU DQGUD LQYHVWHULQJVWMlQVWHU HOOHU lJQDU

VLJ nW DQQDQ LQYHVWHULQJVYHUNVDPKHW RFK

E I|UHWDJHW LQWH WLOOlPSDU HQ WHNQLN I|U DOJRULWPLVN K|JIUHNYHQVKDQGHO

RFK

YlUGHSDSSHUVFHQWUDOHU PHG WLOOVWnQG HQOLJW DUWLNHO L I|URUGQLQJHQ

RP YlUGHSDSSHUVFHQWUDOHU I|U DWW WLOOKDQGDKnOOD GH WMlQVWHU VRP

XWWU\FNOLJHQ DQJHV L DYVQLWWHQ $ RFK % L ELODJDQ WLOO GHQ I|URUGQLQJHQ

7LOOVWnQG NUlYV LQWH KHOOHU I|U VnGDQ I|UYDOWQLQJ DY ILQDQVLHOOD LQVWUX

PHQW VRP lU UHJOHUDG L QnJRQ DQQDQ ODJ

Nuvarande lydelse

Föreslagen lydelse

NDS

†

(WW YlUGHSDSSHUVERODJ skall QlU

(WW YlUGHSDSSHUVERODJ ska QlU

YHUNVDPKHWHQ SnE|UMDV KD HWW

YHUNVDPKHWHQ SnE|UMDV KD HWW

VWDUWNDSLWDO VRP YLG WLGSXQNWHQ I|U

VWDUWNDSLWDO VRP YLG WLGSXQNWHQ I|U

EHVOXW RP WLOOVWnQG PRWVYDUDU

EHVOXW RP WLOOVWnQG PRWVYDUDU

PLQVW HXUR RP

PLQVW HXUR RP

ERODJHWV YHUNVDPKHW skall LQQHIDWWD

ERODJHWV YHUNVDPKHW ska LQQHIDWWD

PRWWDJDQGH DY PHGHO Sn NRQWR

PRWWDJDQGH DY PHGHO Sn NRQWR

HQOLJW NDS † I|UVWD VW\FNHW

HQOLJW NDS † I|UVWD VW\FNHW

PLQVW HXUR RP

PLQVW HXUR RP

ERODJHW skall GULYD YHUNVDPKHW

ERODJHW ska GULYD YHUNVDPKHW VRP

VRP DYVHV L NDS † RFK

DYVHV L NDS † RFK

PLQVW HXUR RP LQWH K|JUH EHORSS NUlYV HQOLJW HOOHU RFK

PLQVW HXUR RP ERODJHW

PLQVW HXUR RP ERODJHW

skall GULYD HQEDUW YHUNVDPKHW VRP

ska GULYD HQEDUW YHUNVDPKHW VRP

DYVHV L NDS † HOOHU RFK LQWH

DYVHV L NDS † HOOHU RFK LQWH

NRPPHU DWW LQQHKD NXQGHUV PHGHO

NRPPHU DWW LQQHKD NXQGHUV PHGHO

HOOHU YlUGHSDSSHU

HOOHU YlUGHSDSSHU

(WW YlUGHSDSSHUVERODJ VRP DYVHV L I|UVWD VW\FNHW InU VRP HWW DOWHU

QDWLY WLOO VWDUWNDSLWDO KD

HQ DQVYDUVI|UVlNULQJ PHG HWW I|UVlNULQJVEHORSS RP PRWVYDUDQGH

PLQVW HXUR SHU VNDGHVWnQGVNUDY RFK PLQVW HXUR SHU

nU I|U VDPWOLJD VNDGHVWnQGVNUDY

HQ JDUDQWL HOOHU OLNQDQGH XWIlVWHOVH VRP JHU HWW PRWVYDUDQGH VN\GG

HOOHU

HQ NRPELQDWLRQ DY VWDUWNDSLWDO RFK I|UVlNULQJ HOOHU JDUDQWL HOOHU

OLNQDQGH XWIlVWHOVH VRP JHU HWW PRWVYDUDQGH VN\GG

2P

YlUGHSDSSHUVERODJHW

lU

2P YlUGHSDSSHUVERODJHW lU

UHJLVWUHUDW

VRP

I|UVlNULQJV

UHJLVWUHUDW

VRP

I|UVlNULQJV

I|UPHGODUH HQOLJW NDS † ODJHQ

I|UPHGODUH HQOLJW NDS † ODJHQ

(2005:405)

RP

försäkrings-

(2018:000)

RP

försäkrings-

förmedling JlOOHU GRFN L VWlOOHW I|U

distribution JlOOHU GRFN L VWlOOHW

I|UVWD VW\FNHW DWW ERODJHW skall KD

I|U I|UVWD VW\FNHW DWW ERODJHW ska

HWW VWDUWNDSLWDO VRP PRWVYDUDU

KD HWW VWDUWNDSLWDO VRP PRWVYDUDU

PLQVW

HXUR

HOOHU KD

HQ

PLQVW HXUR

HOOHU KD HQ

opaginerad GHQ VNDGHVWnQGVVN\OGLJKHW VRP Kontrollera mot PDF

DQVYDUVI|UVlNULQJ HOOHU HQ JDUDQWL

DQVYDUVI|UVlNULQJ HOOHU HQ JDUDQWL

HOOHU OLNQDQGH XWIlVWHOVH VRP WlFNHU

HOOHU OLNQDQGH XWIlVWHOVH VRP WlFNHU

GHQ VNDGHVWnQGVVN\OGLJKHW VRP

GHQ VNDGHVWnQGVVN\OGLJKHW VRP

NDQ XSSNRPPD WLOO I|OMG DY

NDQ XSSNRPPD WLOO I|OMG DY

YHUNVDPKHWHQ $QWLQJHQ skall

YHUNVDPKHWHQ $QWLQJHQ ska

I|UVlNULQJVEHORSSHW XSSJn WLOO

I|UVlNULQJVEHORSSHW XSSJn WLOO

PRWVYDUDQGH PLQVW HXUR

PRWVYDUDQGH PLQVW HXUR

SHU VNDGHVWnQGVNUDY RFK PLQVW

SHU VNDGHVWnQGVNUDY RFK PLQVW

HXUR SHU nU I|U VDPWOLJD

HXUR SHU nU I|U VDPWOLJD

VNDGHVWnQGVNUDY HOOHU skall ERODJHW

VNDGHVWnQGVNUDY HOOHU ska ERODJHW

KD HQ NRPELQDWLRQ DY VWDUWNDSLWDO

KD HQ NRPELQDWLRQ DY VWDUWNDSLWDO

RFK I|UVlNULQJ HOOHU JDUDQWL HOOHU

RFK I|UVlNULQJ HOOHU JDUDQWL HOOHU

OLNQDQGH XWIlVWHOVH VRP JHU HWW

OLNQDQGH XWIlVWHOVH VRP JHU HWW

PRWVYDUDQGH VN\GG

PRWVYDUDQGH VN\GG

Lydelse enligt prop. 2016/17:162

Föreslagen lydelse

NDS

†

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU PHG GHOD I|UHVNULIWHU RP

YLOND XSSO\VQLQJDU HWW I|UHWDJ VND OlPQD WLOO )LQDQVLQVSHNWLRQHQ HQ OLJW † I|UVWD VW\FNHW RFK QlU XSSO\VQLQJDUQD VND OlPQDV

KXU XSSJLIWVVN\OGLJKHWHQ HQ

KXU XSSJLIWVVN\OGLJKHWHQ HQ

OLJW † VND IXOOJ|UDV

OLJW † och artikel 26.6 i den dele-

gerade förordningen till MiFID II

VND IXOOJ|UDV

YLOND YlUGHSDSSHUVERODJ VRP VND XSSUlWWD UHJLVWHU VRP DYVHV L E † YDG UHJLVWUHQ VND LQQHKnOOD RFK LQRP YLONHQ WLG YlUGHSDSSHUVERODJHW VND JH LQ UHJLVWUHQ I|U ROLND W\SHU DY DYWDO

O|SDQGH ERNI|ULQJ nUVERNVOXW RFK nUVUHGRYLVQLQJ KRV E|UVHU FOHDULQJRUJDQLVDWLRQHU VDPW VnGDQD XWOlQGVND I|UHWDJ VRP KDU WLOOVWnQG DWW GULYD HQ UHJOHUDG PDUNQDG IUnQ ILOLDO L 6YHULJH VDPW

VnGDQD DYJLIWHU I|U WLOOV\Q DQV|NQLQJDU DQPlOQLQJDU RFK XQGHU UlWWHOVHU VRP DYVHV L RFK ††

'HQQD ODJ WUlGHU L NUDIW GHQ MDQXDUL L IUnJD RP NDS † RFK L |YULJW GHQ IHEUXDUL

opaginerad )|UVODJ WLOO ODJ RP lQGULQJ L Kontrollera mot PDF

)|UVODJ WLOO ODJ RP lQGULQJ L

PDUNQDGVI|ULQJVODJHQ

+lULJHQRP I|UHVNULYV DWW † PDUNQDGVI|ULQJVODJHQ VND KD

I|OMDQGH O\GHOVH

Lydelse enligt prop. 2016/17:162

Föreslagen lydelse

†

'HQQD ODJ KDU WLOO V\IWH DWW IUlPMD NRQVXPHQWHUQDV RFK QlULQJVOLYHWV

LQWUHVVHQ L VDPEDQG PHG PDUNQDGVI|ULQJ DY SURGXNWHU RFK DWW PRWYHUND

PDUNQDGVI|ULQJ VRP lU RWLOOE|UOLJ PRW NRQVXPHQWHU RFK QlULQJVLGNDUH

%HVWlPPHOVHU RP PDUNQDGVI|ULQJ ILQQV EO D L

± ODJHQ RP SDNHWUHVRU

± WREDNVODJHQ

± ORWWHULODJHQ

± VM|ODJHQ

± ODJHQ RP LQVlWWQLQJVJDUDQWL

± ODJHQ RP DQPlOQLQJVSOLNW DYVHHQGH YLVV ILQDQVLHOO YHUN

VDPKHW

± ODJHQ RP PDUNQDGVI|ULQJ DY NULVWDOOJODV

± ODJHQ RP LQYHVWHUDUVN\GG

± ODJHQ RP HOHNWURQLVN KDQGHO RFK DQGUD LQIRUPDWLRQVVDP

KlOOHWV WMlQVWHU

± ODJHQ RP YlUGHSDSSHUVIRQGHU

± ODJHQ RP LQOnQLQJVYHUNVDPKHW

± SULVLQIRUPDWLRQVODJHQ

± ODJHQ RP GLVWDQVDYWDO RFK DYWDO XWDQI|U DIIlUVORNDOHU

± I|UVlNULQJVDYWDOVODJHQ

± ODJHQ RP IUDQFKLVHJLYDUHV LQIRUPDWLRQVVN\OGLJKHW

± ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ

± ODJHQ RP OXIWWUDQVSRUWHU

± UDGLR RFK WY ODJHQ

± DONRKROODJHQ

± NRQVXPHQWNUHGLWODJHQ

± ODJHQ RP NRQVXPHQWVN\GG YLG DYWDO RP WLGVGHODW ERHQGH

HOOHU OnQJIULVWLJ VHPHVWHUSURGXNW

± ODJHQ RP I|UYDOWDUH DY DOWHUQDWLYD LQYHVWHULQJVIRQGHU

± ODJHQ RP PDUNQDGVI|ULQJ DY PRGHUVPM|ONVHUVlWWQLQJ

RFK WLOOVNRWWVQlULQJ

± ODJHQ PHG NRPSOHWWHUDQGH EHVWlPPHOVHU WLOO (8 V WnJ

IDUW\JV RFK EXVVSDVVDJHUDUI|URUGQLQJDU

± ODJHQ RP DOWHUQDWLY WYLVWO|VQLQJ L NRQVXPHQWI|UKnOODQGHQ

RFK

± ODJHQ RP NROOHNWLYWUDILNUHVHQlUHUV UlWWLJKHWHU

± ODJHQ RP I|UPHG

± ODJHQ RP I|UPHG

OLQJVDYJLIWHU I|U NRUWEDVHUDGH OLQJVDYJLIWHU I|U NRUWEDVHUDGH

EHWDOQLQJVWUDQVDNWLRQHU .

EHWDOQLQJVWUDQVDNWLRQHU , och

– lagen (2018:000) om försäk-

ringsdistribution.

opaginerad )|UVODJ WLOO ODJ RP lQGULQJ L Kontrollera mot PDF

'HQQDODJWUlGHULNUDIWGHQIHEUXDUL

opaginerad )|UVODJ WLOO ODJ RP lQGULQJ L RIIHQWOLJKHWV RFK Kontrollera mot PDF

)|UVODJ WLOO ODJ RP lQGULQJ L RIIHQWOLJKHWV RFK

VHNUHWHVVODJHQ

+lULJHQRP I|UHVNULYV DWW NDS E † RIIHQWOLJKHWV RFK VHNUHWHVV

ODJHQ VND KD I|OMDQGH O\GHOVH

Lydelse enligt prop. 2016/17:162

Föreslagen lydelse

NDS

E †

6HNUHWHVV JlOOHU L HQ VWDWOLJ P\QGLJKHWV YHUNVDPKHW VRP EHVWnU L WLOO

VWnQGVJLYQLQJ HOOHU WLOOV\Q PHG DYVHHQGH Sn EDQN RFK NUHGLWYlVHQGHW

YlUGHSDSSHUVPDUNQDGHQ HOOHU I|UVlNULQJVYlVHQGHW I|U XSSJLIW L HQ

DQPlODQ HOOHU XWVDJD RP |YHUWUlGHOVH DY EHVWlPPHOVH VRP JlOOHU I|U GHQ

VRP P\QGLJKHWHQV YHUNVDPKHW DYVHU RP XSSJLIWHQ NDQ DYVO|MD DQPlOD

UHQV LGHQWLWHW

6HNUHWHVV JlOOHU L HQ VWDWOLJ P\Q

6HNUHWHVV JlOOHU L HQ VWDWOLJ P\Q

GLJKHWV YHUNVDPKHW HQOLJW ODJHQ

GLJKHWV YHUNVDPKHW HQOLJW ODJHQ

RP YlUGHSDSSHUV

RP YlUGHSDSSHUV

FHQWUDOHU RFK NRQWRI|ULQJ DY

FHQWUDOHU RFK NRQWRI|ULQJ DY

ILQDQVLHOOD LQVWUXPHQW eller ODJHQ

ILQDQVLHOOD

LQVWUXPHQW ,

ODJHQ

RP YlUGHSDSSHUV

RP YlUGHSDSSHUV

PDUNQDGHQ I|U XSSJLIW RP HQ

PDUNQDGHQ , lagen (2017:000) med

HQVNLOGV SHUVRQOLJD RFK HNRQRP

kompletterande

bestämmelser till

LVND I|UKnOODQGHQ L HQ DQPlODQ

EU:s förordning om faktablad för

HOOHU XWVDJD om

överträdelse av

Priip-produkter

eller

lagen

bestämmelse i lag eller annan

(2017:000)

om

försäkringsdistri-

författning som gäller för värde-

bution I|U XSSJLIW RP HQ HQVNLOGV

papperscentralers

och

utsedda

SHUVRQOLJD RFK HNRQRPLVND I|U

kreditinstituts verksamhet

respek-

KnOODQGHQ L HQ DQPlODQ HOOHU XW

tive för verksamhet i värdepap-

VDJD RP

persinstitut, börser och leveran-

1. anmälan eller utsagan avser

törer av datarapporteringstjänster,

en överträdelse av bestämmelse i

om uppgiften kan avslöja den

lag eller annan författning som

anmäldes identitet och det inte står

gäller för

klart att uppgiften kan röjas utan

a) värdepapperscentralers

och

att denne lider skada eller men.

utsedda kreditinstituts verksamhet,

b) verksamhet

i värdepappers-

institut, börser och leverantörer av

datarapporteringstjänster,

c) den som utvecklar, ger råd om eller säljer en Priip-produkt, eller

d) försäkringsdistributörers verksamhet, och

2. uppgiften kan avslöja den anmäldes identitet och det inte står klart att uppgiften kan röjas utan att denne lider skada eller men.

Sekretess gäller i en statlig myn-

dighets verksamhet enligt lagen

opaginerad (2017:000) Kontrollera mot PDF

(2017:000)

med kompletterande

bestämmelser till EU:s förordning

om faktablad för Priip-produkter

för uppgift om en enskilds person-

liga och ekonomiska förhållanden

i en anmälan eller utsaga om över-

trädelse av

bestämmelse som

gäller för den som myndigheten ut- övar tillsyn över enligt den lagen, om uppgiften kan avslöja den anmäldes identitet och det inte står klart att uppgiften kan röjas utan att denne lider skada eller men.

6HNUHWHVVHQ HQOLJW DQGUD och tredje styckena JlOOHU LQWH EHVOXW

RP VDQNWLRQHU HOOHU VDQNWLRQVI|UH OlJJDQGHQ

6HNUHWHVVHQ HQOLJW DQGUD stycket JlOOHU LQWH EHVOXW RP VDQNWLRQHU HOOHU VDQNWLRQVI|UHOlJJDQGHQ

)|U XSSJLIW L HQ DOOPlQ KDQGOLQJ JlOOHU VHNUHWHVVHQ L K|JVW IHPWLR nU

'HQQD ODJ WUlGHU L NUDIW GHQ IHEUXDUL

opaginerad )|UVODJ WLOO ODJ RP lQGULQJ L ODJHQ Kontrollera mot PDF

)|UVODJ WLOO ODJ RP lQGULQJ L ODJHQ

RP I|UYDOWDUH DY DOWHUQDWLYD LQYHVWHULQJVIRQGHU

+lULJHQRP I|UHVNULYV DWW NDS † ODJHQ RP I|UYDOWDUH

DY DOWHUQDWLYD LQYHVWHULQJVIRQGHU VND KD I|OMDQGH O\GHOVH

Nuvarande lydelse

Föreslagen lydelse

NDS

†

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU PHG GHOD I|UHVNULIWHU RP

YLOND nWJlUGHU HQ $,) I|UYDOWDUH VND YLGWD I|U DWW XSSI\OOD GH NUDY VRP I|OMHU DY NDS † WUHGMH VW\FNHW

YDG HQ $,) I|UYDOWDUH VND LDNWWD I|U DWW XSSI\OOD VN\OGLJKHWHUQD L NDS † I|UVWD VW\FNHW RFK † DQGUD VW\FNHW RFK NDS † WUHGMH VW\FNHW

YLOND SRVWHU VRP InU UlNQDV LQ L VWDUWNDSLWDOHW RFK NDSLWDOEDVHQ HQOLJW NDS ± ††

4 YLOND XSSJLIWHU VRP VND LQJn L HQ XQGHUUlWWHOVH HQOLJW NDS † RFK L HQ DQV|NDQ RP JRGNlQQDQGH HQOLJW NDS † VDPW YLONHQ LQIRUPDWLRQ RFK YLOND KDQGOLQJDU VRP VDPWLGLJW VND OlPQDV WLOO )LQDQVLQVSHNWLRQHQ

5 HQ $,) I|UYDOWDUHV HUVlWW QLQJVV\VWHP RFK YDG I|UYDOWDUHQ VND LDNWWD I|U DWW XSSI\OOD YLOONRUHQ HQOLJW NDS †

6 YLOND XSSJLIWHU VRP VND LQJn L HQ LQIRUPDWLRQVEURVFK\U HQOLJW NDS † RFK NDS †

7 YLOND XSSJLIWHU VRP VND LQJn L HWW IDNWDEODG HQOLJW NDS † RFK NDS †

8 WLOOKDQGDKnOODQGH DY LQIRU PDWLRQVEURVFK\U RFK IDNWDEODG HQOLJW NDS †

9 YLOND XSSJLIWHU VRP VND LQJn L XQGHUUlWWHOVHU HQOLJW NDS RFK †† VDPW YLONHQ LQIRUPDWLRQ RFK YLOND KDQGOLQJDU VRP VDPWLGLJW VND OlPQDV WLOO )LQDQVLQVSHNWLRQHQ

10 YDG $,) I|UYDOWDUHQ VND LDNWWD I|U DWW XSSI\OOD EHVWlP PHOVHUQD L NDS †

4. vilka åtgärder en AIF-för- valtare ska vidta för att uppfylla de krav som följer av 8 kap. 1 a §,

5 YLOND XSSJLIWHU VRP VND LQJn L HQ XQGHUUlWWHOVH HQOLJW NDS † RFK L HQ DQV|NDQ RP JRGNlQQDQGH HQOLJW NDS † VDPW YLONHQ LQIRUPDWLRQ RFK YLOND KDQGOLQJDU VRP VDPWLGLJW VND OlPQDV WLOO )LQDQVLQVSHNWLRQHQ

6 HQ $,) I|UYDOWDUHV HUVlWW

QLQJVV\VWHP RFK YDG I|UYDOWDUHQ

VND LDNWWD I|U DWW XSSI\OOD YLOONRUHQ HQOLJW NDS †

7 YLOND XSSJLIWHU VRP VND LQJn L HQ LQIRUPDWLRQVEURVFK\U HQOLJW NDS † RFK NDS †

8 YLOND XSSJLIWHU VRP VND LQJn L HWW IDNWDEODG HQOLJW NDS † RFK NDS †

9 WLOOKDQGDKnOODQGH DY LQIRU

PDWLRQVEURVFK\U RFK IDNWDEODG HQOLJW NDS †

10 YLOND XSSJLIWHU VRP VND LQJn L XQGHUUlWWHOVHU HQOLJW NDS RFK †† VDPW YLONHQ LQIRUPDWLRQ RFK YLOND KDQGOLQJDU VRP VDPWLGLJW VND OlPQDV WLOO )LQDQVLQVSHNWLRQHQ

11 YDG $,) I|UYDOWDUHQ VND

LDNWWD I|U DWW XSSI\OOD EHVWlP

PHOVHUQD L NDS †

opaginerad 12 NULWHULHU I|U GH ILQDQVLHOOD Kontrollera mot PDF

11 LQQHKnOO L nUVEHUlWWHOVHU RFK

12 LQQHKnOO L nUVEHUlWWHOVHU RFK

KDOYnUVUHGRJ|UHOVHU HQOLJW NDS

KDOYnUVUHGRJ|UHOVHU HQOLJW NDS

†

†

12 NULWHULHU I|U GH ILQDQVLHOOD

13 NULWHULHU I|U GH ILQDQVLHOOD

WLOOJnQJDU VRP PHGHO L HQ

WLOOJnQJDU VRP PHGHO L HQ

VSHFLDOIRQG InU SODFHUDV L YLOND

VSHFLDOIRQG InU SODFHUDV L YLOND

WHNQLNHU RFK LQVWUXPHQW HQ $,)

WHNQLNHU RFK LQVWUXPHQW HQ $,)

I|UYDOWDUH InU DQYlQGD VDPW YLOONRU

I|UYDOWDUH InU DQYlQGD VDPW YLOONRU

RFK JUlQVHU I|U VnGDQ DQYlQGQLQJ

RFK JUlQVHU I|U VnGDQ DQYlQGQLQJ

GHW V\VWHP I|U ULVNKDQWHULQJ VRP

GHW V\VWHP I|U ULVNKDQWHULQJ VRP

HQ $,) I|UYDOWDUH VRP I|UYDOWDU

HQ $,) I|UYDOWDUH VRP I|UYDOWDU

VSHFLDOIRQGHU VND KD RFK EHUlNQLQJ

VSHFLDOIRQGHU VND KD RFK EHUlNQLQJ

DY H[SRQHULQJDU HQOLJW NDS

DY H[SRQHULQJDU HQOLJW NDS

†

†

13 Sn YLONHW VlWW XQGHUUlWWHOVH

14 Sn YLONHW VlWW XQGHUUlWWHOVH

VND OlPQDV YLOND IHO RFK I|UVXP

VND OlPQDV YLOND IHO RFK I|UVXP

PHOVHU VRP VND UDSSRUWHUDV WLOO

PHOVHU VRP VND UDSSRUWHUDV WLOO

)LQDQVLQVSHNWLRQHQ VDPW I|UXWVlWW

)LQDQVLQVSHNWLRQHQ VDPW I|UXWVlWW

QLQJDU I|U |YHUI|ULQJ DY ILQDQVLHOOD

QLQJDU I|U |YHUI|ULQJ DY ILQDQVLHOOD

LQVWUXPHQW RFK I|UYDOWQLQJ HQOLJW

LQVWUXPHQW RFK I|UYDOWQLQJ HQOLJW

NDS †

NDS †

14 KXU EHUlNQLQJ RFK UHGR

15 KXU EHUlNQLQJ RFK UHGR

YLVQLQJ DY HQ VSHFLDOIRQGV ULVNQLYn

YLVQLQJ DY HQ VSHFLDOIRQGV ULVNQLYn

VND XWI|UDV HQOLJW NDS †

VND XWI|UDV HQOLJW NDS †

15 YLONHQ LQIRUPDWLRQ VRP VND

16 YLONHQ LQIRUPDWLRQ VRP VND

OlPQDV WLOO DQGHOVlJDUH KXU GHQ

OlPQDV WLOO DQGHOVlJDUH KXU GHQ

VND XWIRUPDV Sn YLONHW VlWW GHQ VND

VND XWIRUPDV Sn YLONHW VlWW GHQ VND

WLOOKDQGDKnOODV RFK YDG VRP VND

WLOOKDQGDKnOODV RFK YDG VRP VND

ELIRJDV LQIRUPDWLRQHQ HQOLJW

ELIRJDV LQIRUPDWLRQHQ HQOLJW

NDS †

NDS †

16 YDG VRP YLG I|UYDOWQLQJ DY

17 YDG VRP YLG I|UYDOWQLQJ DY

VSHFLDOIRQGHU VND LDNWWDV I|U DWW

VSHFLDOIRQGHU VND LDNWWDV I|U DWW

XSSI\OOD VN\OGLJKHWHUQD L NDS

XSSI\OOD VN\OGLJKHWHUQD L NDS

†

†

17 YLOND XSSO\VQLQJDU VRP $,)

18 YLOND XSSO\VQLQJDU VRP $,)

I|UYDOWDUH VND OlPQD WLOO )LQDQV

I|UYDOWDUH VND OlPQD WLOO )LQDQV

LQVSHNWLRQHQ HQOLJW NDS †

LQVSHNWLRQHQ HQOLJW NDS †

18 DYJLIWHU HQOLJW NDS †

19 DYJLIWHU HQOLJW NDS †

VDPW

VDPW

19 Sn YLONHW VSUnN KDQGOLQJDU

20 Sn YLONHW VSUnN KDQGOLQJDU

VRP DYVHV L GHQQD ODJ VND XSS

VRP DYVHV L GHQQD ODJ VND XSS

UlWWDV

UlWWDV

'HQQD ODJ WUlGHU L NUDIW GHQ MDQXDUL

opaginerad )|UVODJ WLOO ODJ RP lQGULQJ L ODJHQ RP lQGULQJ L ODJHQ RP I|UYDOWDUH DY DOWHUQDWLYD LQYHVWHULQJVIRQGHU Kontrollera mot PDF

)|UVODJ WLOO ODJ RP lQGULQJ L ODJHQ RP lQGULQJ L ODJHQ RP I|UYDOWDUH DY DOWHUQDWLYD LQYHVWHULQJVIRQGHU

+lULJHQRP I|UHVNULYV DWW NDS † ODJHQ RP I|UYDOWDUH DY DOWHUQDWLYD LQYHVWHULQJVIRQGHU L VWlOOHW I|U O\GHOVHQ HQOLJW ODJHQ RP lQGULQJ L GHQ ODJHQ VND KD I|OMDQGH O\GHOVH

Nuvarande lydelse

Föreslagen lydelse

NDS

†

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU PHG GHOD I|UHVNULIWHU RP

YLOND nWJlUGHU HQ $,) I|UYDOWDUH VND YLGWD I|U DWW XSSI\OOD GH NUDY VRP I|OMHU DY NDS † WUHGMH VW\FNHW

YDG HQ $,) I|UYDOWDUH VND LDNWWD I|U DWW XSSI\OOD VN\OGLJKHWHUQD L NDS † I|UVWD VW\FNHW RFK † WUHGMH VW\FNHW RFK NDS † WUHGMH VW\FNHW

YLOND SRVWHU VRP InU UlNQDV LQ L VWDUWNDSLWDOHW RFK NDSLWDOEDVHQ HQOLJW

NDS ± ††

4. vilka

åtgärder en AIF-för-

valtare ska vidta för att uppfylla de

krav som följer av 8 kap. 1 a §,

4 YLOND XSSJLIWHU VRP VND LQJn L

5 YLOND XSSJLIWHU VRP VND LQJn L

HQ XQGHUUlWWHOVH HQOLJW NDS †

HQ XQGHUUlWWHOVH HQOLJW NDS †

RFK L HQ DQV|NDQ RP JRGNlQQDQGH

RFK L HQ DQV|NDQ RP JRGNlQQDQGH

HQOLJW NDS † VDPW YLONHQ

HQOLJW NDS † VDPW YLONHQ

LQIRUPDWLRQ RFK YLOND KDQGOLQJDU

LQIRUPDWLRQ RFK YLOND KDQGOLQJDU

VRP VDPWLGLJW VND OlPQDV WLOO

VRP VDPWLGLJW VND OlPQDV WLOO

)LQDQVLQVSHNWLRQHQ

)LQDQVLQVSHNWLRQHQ

5 HQ $,) I|UYDOWDUHV HUVlWW

6 HQ $,) I|UYDOWDUHV HUVlWW

QLQJVV\VWHP RFK YDG I|UYDOWDUHQ

QLQJVV\VWHP RFK YDG I|UYDOWDUHQ

VND LDNWWD I|U DWW XSSI\OOD YLOONRUHQ

VND LDNWWD I|U DWW XSSI\OOD YLOONRUHQ

HQOLJW NDS †

HQOLJW NDS †

6 YLOND XSSJLIWHU VRP VND LQJn L

7 YLOND XSSJLIWHU VRP VND LQJn L

HQ LQIRUPDWLRQVEURVFK\U HQOLJW

HQ LQIRUPDWLRQVEURVFK\U HQOLJW

NDS † RFK NDS †

NDS † RFK NDS †

7 YLOND XSSJLIWHU VRP VND LQJn L

8 YLOND XSSJLIWHU VRP VND LQJn L

HWW IDNWDEODG HQOLJW NDS † RFK

HWW IDNWDEODG HQOLJW NDS † RFK

NDS †

NDS †

8 WLOOKDQGDKnOODQGH DY LQIRU

9 WLOOKDQGDKnOODQGH DY LQIRU

PDWLRQVEURVFK\U RFK IDNWDEODG

PDWLRQVEURVFK\U RFK IDNWDEODG

HQOLJW NDS †

HQOLJW NDS †

9 YLOND XSSJLIWHU VRP VND LQJn L

10 YLOND XSSJLIWHU VRP VND LQJn

XQGHUUlWWHOVHU HQOLJW NDS

L XQGHUUlWWHOVHU HQOLJW NDS

RFK †† VDPW YLONHQ LQIRUPDWLRQ

RFK †† VDPW YLONHQ LQIRUPDWLRQ

RFK YLOND KDQGOLQJDU VRP VDPWLGLJW

RFK YLOND KDQGOLQJDU VRP VDPWLGLJW

VND OlPQDV WLOO )LQDQVLQVSHNWLRQHQ

VND OlPQDV WLOO )LQDQVLQVSHNWLRQHQ

10 YDG $,) I|UYDOWDUHQ VND

11 YDG

$,) I|UYDOWDUHQ VND

opaginerad LDNWWD I|U DWW XSSI\OOD EHVWlP Kontrollera mot PDF

LDNWWD I|U DWW XSSI\OOD EHVWlP

PHOVHUQD L NDS † 11 LQQHKnOO L nUVEHUlWWHOVHU RFK

KDOYnUVUHGRJ|UHOVHU HQOLJW NDS

†

12 NULWHULHU I|U GH ILQDQVLHOOD WLOOJnQJDU VRP PHGHO L HQ VSHFLDO IRQG InU SODFHUDV L YLOND WHNQLNHU RFK LQVWUXPHQW HQ $,) I|UYDOWDUH InU DQYlQGD VDPW YLOONRU RFK JUlQVHU I|U VnGDQ DQYlQGQLQJ GHW V\VWHP I|U ULVNKDQWHULQJ VRP HQ $,) I|UYDOWDUH VRP I|UYDOWDU VSHFLDOIRQGHU VND KD RFK EHUlNQLQJ DY H[SRQHULQJDU HQOLJW NDS

†

13 Sn YLONHW VlWW XQGHUUlWWHOVH VND OlPQDV YLOND IHO RFK I|UVXP PHOVHU VRP VND UDSSRUWHUDV WLOO )LQDQVLQVSHNWLRQHQ VDPW I|UXWVlWW QLQJDU I|U |YHUI|ULQJ DY ILQDQVLHOOD LQVWUXPHQW RFK I|UYDOWQLQJ HQOLJW

NDS †

14 KXU EHUlNQLQJ RFK UHGR YLVQLQJ DY HQ VSHFLDOIRQGV ULVNQLYn

VND XWI|UDV HQOLJW NDS † 15 YLONHQ LQIRUPDWLRQ VRP VND

OlPQDV WLOO DQGHOVlJDUH KXU GHQ VND XWIRUPDV Sn YLONHW VlWW GHQ VND WLOOKDQGDKnOODV RFK YDG VRP VND ELIRJDV LQIRUPDWLRQHQ HQOLJW

NDS †

16 YDG VRP YLG I|UYDOWQLQJ DY VSHFLDOIRQGHU VND LDNWWDV I|U DWW XSSI\OOD VN\OGLJKHWHUQD L NDS

†

17 YLOND XSSO\VQLQJDU VRP $,) I|UYDOWDUH VND OlPQD WLOO )LQDQV

LQVSHNWLRQHQ HQOLJW NDS † 18 DYJLIWHU HQOLJW NDS †

VDPW

19 Sn YLONHW VSUnN KDQGOLQJDU VRP DYVHV L GHQQD ODJ VND XSS UlWWDV

LDNWWD I|U DWW XSSI\OOD EHVWlP PHOVHUQD L NDS †

12 LQQHKnOO L nUVEHUlWWHOVHU RFK KDOYnUVUHGRJ|UHOVHU HQOLJW NDS †

13 NULWHULHU I|U GH ILQDQVLHOOD WLOOJnQJDU VRP PHGHO L HQ VSHFLDO IRQG InU SODFHUDV L YLOND WHNQLNHU RFK LQVWUXPHQW HQ $,) I|UYDOWDUH InU DQYlQGD VDPW YLOONRU RFK JUlQVHU I|U VnGDQ DQYlQGQLQJ GHW V\VWHP I|U ULVNKDQWHULQJ VRP HQ $,) I|UYDOWDUH VRP I|UYDOWDU VSHFLDOIRQGHU VND KD RFK EHUlNQLQJ DY H[SRQHULQJDU HQOLJW NDS †

14 Sn YLONHW VlWW XQGHUUlWWHOVH VND OlPQDV YLOND IHO RFK I|UVXP PHOVHU VRP VND UDSSRUWHUDV WLOO )LQDQVLQVSHNWLRQHQ VDPW I|UXWVlWW QLQJDU I|U |YHUI|ULQJ DY ILQDQVLHOOD LQVWUXPHQW RFK I|UYDOWQLQJ HQOLJW NDS †

15 KXU EHUlNQLQJ RFK UHGR YLVQLQJ DY HQ VSHFLDOIRQGV ULVNQLYn VND XWI|UDV HQOLJW NDS †

16 YLONHQ LQIRUPDWLRQ VRP VND OlPQDV WLOO DQGHOVlJDUH KXU GHQ VND XWIRUPDV Sn YLONHW VlWW GHQ VND WLOOKDQGDKnOODV RFK YDG VRP VND ELIRJDV LQIRUPDWLRQHQ HQOLJW NDS †

17 YDG VRP YLG I|UYDOWQLQJ DY VSHFLDOIRQGHU VND LDNWWDV I|U DWW XSSI\OOD VN\OGLJKHWHUQD L NDS †

18 YLOND XSSO\VQLQJDU VRP $,) I|UYDOWDUH VND OlPQD WLOO )LQDQV LQVSHNWLRQHQ HQOLJW NDS † 19 DYJLIWHU HQOLJW NDS †

VDPW

20 Sn YLONHW VSUnN KDQGOLQJDU VRP DYVHV L GHQQD ODJ VND XSS UlWWDV

opaginerad )|UVODJ WLOO ODJ RP lQGULQJ L ODJHQ RP lQGULQJ L ODJHQ RP I|UYDOWDUH DY DOWHUQDWLYD LQYHVWHULQJVIRQGHU Kontrollera mot PDF

)|UVODJ WLOO ODJ RP lQGULQJ L ODJHQ RP lQGULQJ L ODJHQ RP I|UYDOWDUH DY DOWHUQDWLYD LQYHVWHULQJVIRQGHU

+lULJHQRP I|UHVNULYV DWW NDS † ODJHQ RP I|UYDOWDUH DY DOWHUQDWLYD LQYHVWHULQJVIRQGHU L VWlOOHW I|U O\GHOVHQ HQOLJW ODJHQ

RP lQGULQJ L GHQ ODJHQ VND KD I|OMDQGH O\GHOVH

Nuvarande lydelse

Föreslagen lydelse

NDS

†

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU PHG

GHOD I|UHVNULIWHU RP

YLOND nWJlUGHU HQ $,) I|UYDOWDUH VND YLGWD I|U DWW XSSI\OOD GH NUDY

VRP I|OMHU DY NDS † WUHGMH VW\FNHW

YDG HQ $,) I|UYDOWDUH VND LDNWWD I|U DWW XSSI\OOD VN\OGLJKHWHUQD L

NDS † I|UVWD VW\FNHW

YLOND SRVWHU VRP InU UlNQDV LQ L VWDUWNDSLWDOHW RFK NDSLWDOEDVHQ HQOLJW

NDS ± ††

4. vilka åtgärder en AIF-för-

valtare ska vidta för att uppfylla de

krav som följer av 8 kap. 1 a §,

4 YLOND XSSJLIWHU VRP VND LQJn L

5 YLOND XSSJLIWHU VRP VND LQJn L

HQ XQGHUUlWWHOVH HQOLJW NDS †

HQ XQGHUUlWWHOVH HQOLJW NDS †

RFK L HQ DQV|NDQ RP JRGNlQQDQGH

RFK L HQ DQV|NDQ RP JRGNlQQDQGH

HQOLJW NDS † VDPW YLONHQ

HQOLJW NDS † VDPW YLONHQ

LQIRUPDWLRQ RFK YLOND KDQGOLQJDU

LQIRUPDWLRQ RFK YLOND KDQGOLQJDU

VRP VDPWLGLJW VND OlPQDV WLOO

VRP VDPWLGLJW VND OlPQDV WLOO

)LQDQVLQVSHNWLRQHQ

)LQDQVLQVSHNWLRQHQ

5 HQ $,) I|UYDOWDUHV HUVlWW

6 HQ $,) I|UYDOWDUHV HUVlWW

QLQJVV\VWHP RFK YDG I|UYDOWDUHQ

QLQJVV\VWHP RFK YDG I|UYDOWDUHQ

VND LDNWWD I|U DWW XSSI\OOD YLOONRUHQ

VND LDNWWD I|U DWW XSSI\OOD YLOONRUHQ

HQOLJW NDS †

HQOLJW NDS †

6 YLOND XSSJLIWHU VRP VND LQJn L

7 YLOND XSSJLIWHU VRP VND LQJn L

HQ LQIRUPDWLRQVEURVFK\U HQOLJW

HQ LQIRUPDWLRQVEURVFK\U HQOLJW

NDS † RFK NDS †

NDS † RFK NDS †

7 YLOND XSSJLIWHU VRP VND LQJn L

8 YLOND XSSJLIWHU VRP VND LQJn L

HWW IDNWDEODG HQOLJW NDS † RFK

HWW IDNWDEODG HQOLJW NDS † RFK

NDS †

NDS †

8 WLOOKDQGDKnOODQGH DY LQIRU

9 WLOOKDQGDKnOODQGH DY LQIRU

PDWLRQVEURVFK\U RFK IDNWDEODG

PDWLRQVEURVFK\U RFK IDNWDEODG

HQOLJW NDS †

HQOLJW NDS †

9 YLOND XSSJLIWHU VRP VND LQJn L

10 YLOND XSSJLIWHU VRP VND LQJn

XQGHUUlWWHOVHU HQOLJW NDS

L XQGHUUlWWHOVHU HQOLJW NDS

RFK †† VDPW YLONHQ LQIRUPDWLRQ

RFK †† VDPW YLONHQ LQIRUPDWLRQ

RFK YLOND KDQGOLQJDU VRP VDPWLGLJW

RFK YLOND KDQGOLQJDU VRP VDPWLGLJW

VND OlPQDV WLOO )LQDQVLQVSHNWLRQHQ

VND OlPQDV WLOO )LQDQVLQVSHNWLRQHQ

10 YDG $,) I|UYDOWDUHQ VND

11 YDG $,) I|UYDOWDUHQ VND

LDNWWD I|U DWW XSSI\OOD EHVWlP

LDNWWD I|U DWW XSSI\OOD EHVWlP

opaginerad PHOVHUQD L NDS † Kontrollera mot PDF

PHOVHUQD L NDS †

11 LQQHKnOO L nUVEHUlWWHOVHU RFK KDOYnUVUHGRJ|UHOVHU HQOLJW NDS †

12 NULWHULHU I|U GH ILQDQVLHOOD WLOOJnQJDU VRP PHGHO L HQ VSHFLDO IRQG InU SODFHUDV L YLOND WHNQLNHU RFK LQVWUXPHQW HQ $,) I|UYDOWDUH InU DQYlQGD VDPW YLOONRU RFK JUlQVHU I|U VnGDQ DQYlQGQLQJ GHW V\VWHP I|U ULVNKDQWHULQJ VRP HQ $,) I|UYDOWDUH VRP I|UYDOWDU VSHFLDOIRQGHU VND KD RFK EHUlNQLQJ DY H[SRQHULQJDU HQOLJW NDS †

13 Sn YLONHW VlWW XQGHUUlWWHOVH VND OlPQDV YLOND IHO RFK I|UVXP PHOVHU VRP VND UDSSRUWHUDV WLOO )LQDQVLQVSHNWLRQHQ VDPW I|UXWVlWW QLQJDU I|U |YHUI|ULQJ DY ILQDQVLHOOD LQVWUXPHQW RFK I|UYDOWQLQJ HQOLJW NDS †

14 KXU EHUlNQLQJ RFK UHGR YLVQLQJ DY HQ VSHFLDOIRQGV ULVNQLYn VND XWI|UDV HQOLJW NDS †

15 YLONHQ LQIRUPDWLRQ VRP VND OlPQDV WLOO DQGHOVlJDUH KXU GHQ VND XWIRUPDV Sn YLONHW VlWW GHQ VND WLOOKDQGDKnOODV RFK YDG VRP VND ELIRJDV LQIRUPDWLRQHQ HQOLJW NDS †

16 YDG VRP YLG I|UYDOWQLQJ DY VSHFLDOIRQGHU VND LDNWWDV I|U DWW XSSI\OOD VN\OGLJKHWHUQD L NDS †

17 YLOND XSSO\VQLQJDU VRP $,) I|UYDOWDUH VND OlPQD WLOO )LQDQV LQVSHNWLRQHQ HQOLJW NDS † 18 DYJLIWHU HQOLJW NDS †

VDPW

19 Sn YLONHW VSUnN KDQGOLQJDU VRP DYVHV L GHQQD ODJ VND XSS UlWWDV

PHOVHUQD L NDS † 12 LQQHKnOO L nUVEHUlWWHOVHU RFK

KDOYnUVUHGRJ|UHOVHU HQOLJW NDS †

13 NULWHULHU I|U GH ILQDQVLHOOD WLOOJnQJDU VRP PHGHO L HQ VSHFLDO IRQG InU SODFHUDV L YLOND WHNQLNHU RFK LQVWUXPHQW HQ $,) I|UYDOWDUH InU DQYlQGD VDPW YLOONRU RFK JUlQVHU I|U VnGDQ DQYlQGQLQJ GHW V\VWHP I|U ULVNKDQWHULQJ VRP HQ $,) I|UYDOWDUH VRP I|UYDOWDU VSHFLDOIRQGHU VND KD RFK EHUlNQLQJ DY H[SRQHULQJDU HQOLJW NDS †

14 Sn YLONHW VlWW XQGHUUlWWHOVH VND OlPQDV YLOND IHO RFK I|UVXP PHOVHU VRP VND UDSSRUWHUDV WLOO )LQDQVLQVSHNWLRQHQ VDPW I|UXWVlWW QLQJDU I|U |YHUI|ULQJ DY ILQDQVLHOOD LQVWUXPHQW RFK I|UYDOWQLQJ HQOLJW NDS †

15 KXU EHUlNQLQJ RFK UHGR YLVQLQJ DY HQ VSHFLDOIRQGV ULVNQLYn VND XWI|UDV HQOLJW NDS †

16 YLONHQ LQIRUPDWLRQ VRP VND OlPQDV WLOO DQGHOVlJDUH KXU GHQ VND XWIRUPDV Sn YLONHW VlWW GHQ VND WLOOKDQGDKnOODV RFK YDG VRP VND ELIRJDV LQIRUPDWLRQHQ HQOLJW NDS †

17 YDG VRP YLG I|UYDOWQLQJ DY VSHFLDOIRQGHU VND LDNWWDV I|U DWW XSSI\OOD VN\OGLJKHWHUQD L NDS †

18 YLOND XSSO\VQLQJDU VRP $,) I|UYDOWDUH VND OlPQD WLOO )LQDQV LQVSHNWLRQHQ HQOLJW NDS † 19 DYJLIWHU HQOLJW NDS †

VDPW

20 Sn YLONHW VSUnN KDQGOLQJDU VRP DYVHV L GHQQD ODJ VND XSS UlWWDV

opaginerad PHOVHUQD L NDS † Kontrollera mot PDF

)|UVODJ WLOO ODJ RP lQGULQJ L ODJHQ RP lQGULQJ L ODJHQ RP I|UYDOWDUH DY DOWHUQDWLYD LQYHVWHULQJVIRQGHU

+lULJHQRP I|UHVNULYV DWW NDS D † ODJHQ RP I|UYDOWDUH DY DOWHUQDWLYD LQYHVWHULQJVIRQGHU L VWlOOHW I|U O\GHOVHQ HQOLJW ODJHQ RP lQGULQJ L GHQ ODJHQ VND KD I|OMDQGH O\GHOVH

Lydelse enligt prop. 2016/17:162

Föreslagen lydelse

NDS

D †

(Q $,) I|UYDOWDUH VRP L VLQ

(Q $,) I|UYDOWDUH VRP L VLQ

YHUNVDPKHW OlPQDU UnG WLOO icke-

YHUNVDPKHW OlPQDU UnG WLOO

professionella LQYHVWHUDUH RP

LQYHVWHUDUH RP DQGHODU HOOHU DNWLHU

DQGHODU HOOHU DNWLHU L DOWHUQDWLYD

L DOWHUQDWLYD LQYHVWHULQJVIRQGHU L

LQYHVWHULQJVIRQGHU L DQGUD IDOO lQ

DQGUD IDOO lQ GHW VRP DYVHV L NDS

GHW VRP DYVHV L NDS † DQGUD

† DQGUD VW\FNHW VND QlU GHQ

VW\FNHW VND QlU GHQ XWI|U VnGDQD

XWI|U VnGDQD WMlQVWHU WLOOlPSD

WMlQVWHU WLOOlPSD NDS RFK

NDS RFK †† RFK NDS ±

†† RFK NDS ±

RFK ± ††

RFK ± †† ODJHQ

ODJHQ RP YlUGH

RP YlUGHSDSSHUVPDUNQDGHQ

SDSSHUVPDUNQDGHQ

opaginerad )|UVODJ WLOO ODJ RP lQGULQJ L ODJHQ Kontrollera mot PDF

)|UVODJ WLOO ODJ RP lQGULQJ L ODJHQ

RP HQ GDWDEDV I|U |YHUYDNQLQJ DY RFK WLOOV\Q |YHU ILQDQVPDUNQDGHUQD

+lULJHQRP I|UHVNULYV DWW RFK †† ODJHQ RP HQ GDWDEDV I|U |YHUYDNQLQJ DY RFK WLOOV\Q |YHU ILQDQVPDUNQDGHUQD VND KD I|OMDQGH

O\GHOVH

Nuvarande lydelse

Föreslagen lydelse

† , GDWDEDVHQ InU VnGDQD XSSJLIWHU EHKDQGODV VRP KDU VDPODWV LQ PHG VW|G

DY NDS † I|UVWD RFK DQGUD VW\FNHQD ODJHQ RP 6YHULJHV

ULNVEDQN

NDS † I|UVWD VW\FNHW ODJHQ RP YlUGHSDSSHUV FHQWUDOHU RFK NRQWRI|ULQJ DY ILQDQVLHOOD LQVWUXPHQW

NDS † I|UVWD VW\FNHW ODJHQ RP YlUGHSDSSHUVIRQGHU NDS † ODJHQ RP EDQN RFK ILQDQVLHULQJVU|UHOVH

7 kap. 4 § I|UVWD VW\FNHW ODJHQ

8 kap. 5 § I|UVWD VW\FNHW ODJHQ

(2005:405) RP försäkringsför-

(2018:000) RP försäkringsdistri-

medling

bution

NDS RFK †† ODJHQ RP VlUVNLOG WLOOV\Q |YHU ILQDQ VLHOOD NRQJORPHUDW

NDS † I|UVWD VW\FNHW ODJHQ RP YlUGHSDSSHUVPDUN QDGHQ

NDS † ODJHQ RP EHWDOWMlQVWHU NDS † I|UVlNULQJVU|UHOVHODJHQ NDS † ODJHQ RP HOHNWURQLVND SHQJDU NDS † I|UVWD VW\FNHW ODJHQ RP I|UYDOWDUH DY DOWHU

QDWLYD LQYHVWHULQJVIRQGHU

NDS † ODJHQ

NDS † ODJHQ

RP VlUVNLOG WLOOV\Q |YHU NUHGLWLQVWL

RP VlUVNLOG WLOOV\Q |YHU NUHGLWLQVWL

WXW RFK YlUGHSDSSHUVERODJ och

WXW RFK YlUGHSDSSHUVERODJ

13. 6 kap. 2 § lagen (2017:000)

om Pensionsmyndighetens försäk-

ringsverksamhet i premiepensions-

systemet, och

13 DUWLNODUQD ±

14 DUWLNODUQD ±

RFK L (XURSDSDUOD

RFK L (XURSDSDUOD

PHQWHWV RFK UnGHWV I|URUGQLQJ

PHQWHWV RFK UnGHWV I|URUGQLQJ

(8 QU DY GHQ MXQL

(8 QU DY GHQ MXQL

RP WLOOV\QVNUDY I|U NUHGLW

RP WLOOV\QVNUDY I|U NUHGLW

LQVWLWXW RFK YlUGHSDSSHUVI|UHWDJ

LQVWLWXW RFK YlUGHSDSSHUVI|UHWDJ

RFK RP lQGULQJ DY I|URUGQLQJ

RFK RP lQGULQJ DY I|URUGQLQJ

(8 QU

(8 QU

6HQDVWH O\GHOVH

opaginerad )|UVODJ WLOO ODJ RP lQGULQJ L ODJHQ Kontrollera mot PDF

†

8SSJLIWHU VRP DYVHV L † ± 11

8SSJLIWHU VRP DYVHV L † ± 13

InU EHKDQGODV L GDWDEDVHQ HQGDVW

InU EHKDQGODV L GDWDEDVHQ HQGDVW

RP GH KDU VDPODWV LQ PHG VW|G DY

RP GH KDU VDPODWV LQ PHG VW|G DY

I|UHVNULIWHU RP SHULRGLVN UDSSRUW

I|UHVNULIWHU RP SHULRGLVN UDSSRUW

HULQJ

HULQJ

'HQQD ODJ WUlGHU L NUDIW GHQ IHEUXDUL

opaginerad )|UVODJ WLOO ODJ RP lQGULQJ L ODJHQ Kontrollera mot PDF

)|UVODJ WLOO ODJ RP lQGULQJ L ODJHQ

RP nWJlUGHU PRW SHQQLQJWYlWW RFK ILQDQVLHULQJ

DY WHUURULVP

+lULJHQRP I|UHVNULYV DWW NDS † ODJHQ RP nWJlUGHU PRW SHQQLQJWYlWW RFK ILQDQVLHULQJ DY WHUURULVP VND KD I|OMDQGH O\GHOVH

Lydelse enligt prop. 2016/17:173

Föreslagen lydelse

NDS

† 'HQQD ODJ JlOOHU I|U I\VLVND RFK MXULGLVND SHUVRQHU VRP GULYHU EDQN HOOHU ILQDQVLHULQJVU|UHOVH HQOLJW ODJHQ RP EDQN

RFK ILQDQVLHULQJVU|UHOVH OLYI|UVlNULQJVU|UHOVH

YlUGHSDSSHUVU|UHOVH HQOLJW NDS † ODJHQ RP YlUGH SDSSHUVPDUNQDGHQ

YHUNVDPKHW VRP NUlYHU DQV|NDQ KRV )LQDQVLQVSHNWLRQHQ HQOLJW ODJHQ RP YDOXWDYl[OLQJ RFK DQQDQ ILQDQVLHOO YHUNVDPKHW HOOHU ODJHQ RP LQOnQLQJVYHUNVDPKHW

försäkringsförmedling

HQOLJW

försäkringsdistribution HQOLJW

ODJHQ (2005:405) RP försäkrings-

ODJHQ (2018:000) RP försäkrings-

förmedling L IUnJD RP

VnGDQ

distribution L IUnJD RP VnGDQ

YHUNVDPKHW U|UDQGH OLYI|UVlNULQJ

YHUNVDPKHW U|UDQGH OLYI|UVlNULQJ

EHGULYHQ DY andra än anknutna

EHGULYHQ DY sådana I|UVlNULQJV

I|UVlNULQJVI|UPHGODUH

I|UPHGODUH som har tillstånd enligt

2 kap. 1 § den lagen

YHUNVDPKHW I|U XWJLYQLQJ DY HOHNWURQLVND SHQJDU HQOLJW ODJHQ RP HOHNWURQLVND SHQJDU

IRQGYHUNVDPKHW HQOLJW ODJHQ RP YlUGHSDSSHUVIRQGHU YHUNVDPKHW PHG DWW VRP EHWDOQLQJVLQVWLWXW WLOOKDQGDKnOOD EHWDO

WMlQVWHU HQOLJW ODJHQ RP EHWDOWMlQVWHU

YHUNVDPKHW PHG DWW WLOOKDQGDKnOOD EHWDOWMlQVWHU HQOLJW ODJHQ RP EHWDOWMlQVWHU XWDQ DWW YDUD EHWDOQLQJVLQVWLWXW

YHUNVDPKHW VRP I|UYDOWDUH DY DOWHUQDWLYD LQYHVWHULQJVIRQGHU HQOLJW ODJHQ RP I|UYDOWDUH DY DOWHUQDWLYD LQYHVWHULQJVIRQGHU

YHUNVDPKHW PHG NRQVXPHQWNUHGLWHU HQOLJW ODJHQ RP YLVV YHUNVDPKHW PHG NRQVXPHQWNUHGLWHU

YHUNVDPKHW PHG ERVWDGVNUHGLWHU HQOLJW ODJHQ RP YHUNVDPKHW PHG ERVWDGVNUHGLWHU

YHUNVDPKHW VRP IDVWLJKHWVPlNODUH PHG IXOOVWlQGLJ UHJLVWUHULQJ HQOLJW IDVWLJKHWVPlNODUODJHQ

YHUNVDPKHW VRP DQRUGQDUH DY NDVLQRVSHO HQOLJW NDVLQRODJHQ

YHUNVDPKHW VRP DQRUGQDUH DY VSHOWMlQVWHU VRP EHGULYV PHG WLOO VWnQG HOOHU UHJLVWUHULQJ HQOLJW ORWWHULODJHQ GRFN LQWH WLOO GHQ GHO YHUNVDPKHWHQ DYVHU DQRUGQDQGH DY VSHO Sn YDUXVSHOVDXWRPDWHU HQOLJW † VDPPD ODJ

\UNHVPlVVLJ KDQGHO PHG YDURU RP GHW NDQ DQWDV DWW GHW L YHUNVDPKHWHQ HOOHU HQ GHO DY YHUNVDPKHWHQ JHQRPI|UV HOOHU NRPPHU DWW

opaginerad UHYLVLRQVERODJ Kontrollera mot PDF

JHQRPI|UDV WUDQVDNWLRQHU HQVWDND HOOHU VnGDQD VRP NDQ DQWDV KD VDPEDQG VRP LQQHElU DWW XWEHWDOW HOOHU PRWWDJHW EHORSS L NRQWDQWHU XSSJnU WLOO PRWVYDUDQGH HXUR HOOHU PHU

YHUNVDPKHW HQOLJW SDQWEDQNVODJHQ YHUNVDPKHW VRP DXNWRULVHUDG HOOHU JRGNlQG UHYLVRU HOOHU UHJLVWUHUDW

UHYLVLRQVERODJ

\UNHVPlVVLJ YHUNVDPKHW VRP DYVHU ERNI|ULQJVWMlQVWHU HOOHU UHYLVLRQVWMlQVWHU VRP LQWH RPIDWWDV DY

\UNHVPlVVLJ UnGJLYQLQJVYHUNVDPKHW DYVHHQGH VNDWWHU RFK DYJLIWHU VNDWWHUnGJLYDUH

\UNHVPlVVLJ YHUNVDPKHW VRP DGYRNDW HOOHU ELWUlGDQGH MXULVW Sn DGYRNDWE\Un WLOO GHQ GHO YHUNVDPKHWHQ DYVHU WMlQVWHU VRP DQJHV L † I|UVWD VW\FNHW

\UNHVPlVVLJ YHUNVDPKHW VRP DQQDQ REHURHQGH MXULVW lQ VRP DYVHV L WLOO GHQ GHO YHUNVDPKHWHQ DYVHU WMlQVWHU VRP DQJHV L † I|UVWD VW\FNHW HOOHU

\UNHVPlVVLJ YHUNVDPKHW WLOO GHQ GHO YHUNVDPKHWHQ DYVHU WMlQVWHU VRP DQJHV L † DQGUD VW\FNHW RFK YHUNVDPKHWVXW|YDUHQ LQWH lU HQ VnGDQ SHUVRQ VRP DYVHV L ±

9LVVD VSHOWMlQVWHU InU XQGDQWDV IUnQ WLOOlPSQLQJ DY ODJHQ HOOHU EHVWlPPHOVHU L GHQ HQOLJW I|UHVNULIWHU VRP PHGGHODV PHG VW|G DY NDS †

'HQQD ODJ WUlGHU L NUDIW GHQ IHEUXDUL

opaginerad bUHQGHW Kontrollera mot PDF

bUHQGHW

(XURSDSDUODPHQWHWV RFK UnGHWV GLUHNWLY (8 RP I|UVlNULQJVGLVWULEXWLRQ I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DQWRJV GHQ MDQXDUL )|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW HUVlWWHU I|UVlNULQJV I|UPHGOLQJVGLUHNWLYHW GLUHNWLY (* RFK XWJ|U HWW LQI|UOLYDQGH Sn (8 QLYn DY UHYLGHUDGH RFK Q\D UHJOHU I|U I|UVlNULQJVI|UHWDJ RFK I|UVlNULQJVI|UPHGODUH YLG GLVWULEXWLRQ DY I|UVlNULQJ RFK nWHUI|UVlNULQJ 'LUHNWLYHW V\IWDU WLOO DWW VNDSD PHU HQKHWOLJD PLQLPLUHJOHU YLG I|UVlNULQJVGLVWULEXWLRQ RFK I|UElWWUD NXQGVN\GGHW VlUVNLOW YLG GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU (WW YLNWLJW LQVODJ L GHW Q\D UHJHOYHUNHW XWJ|UV DY GH GHOHJHUDGH DNWHU VRP I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW JHU NRPPLVVLRQHQ EHIRJHQKHW DWW DQWD DUWLNHO , GLUHNWLYHW DQJHV GH QlUPDUH YLOONRUHQ I|U XW|YDQGH DY

GHOHJHULQJHQ DUWLNHO 6HQDVW GHQ IHEUXDUL VND KHOD GHW Q\D UHJHOYHUNHW YDUD DQWDJHW RFK WLOOlPSDV 'LUHNWLYHW ILQQV VRP bilaga 1.

.RPPLVVLRQHQV I|UVODJ WLOO Q\D UHJOHU I|U I|UVlNULQJVGLVWULEXWLRQ RIIHQWOLJJMRUGHV GHQ MXOL JHQRP I|UVODJ WLOO UHYLGHULQJ DY I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW ,0' ,, .20 > @ ILQDO , DQVOXWQLQJ WLOO NRPPLVVLRQHQV I|UVODJ XSSUlWWDGHV HQ IDNWDSURPHPRULD DY )LQDQVGHSDUWHPHQWHW VRP |YHUOlPQDGHV WLOO ULNVGDJHQ )30 .RPPLVVLRQHQV I|UVODJ WLOO GHW UHYLGHUDGH I|UVlNULQJV I|UPHGOLQJVGLUHNWLYHW LQJLFN L HWW NRQVXPHQWVN\GGVSDNHW EHVWnHQGH DY WUH UlWWVDNWHU V N &RQVXPHU 5HWDLO 3DFNDJH 3DNHWHW V\IWDU WLOO DWW VWlUND NRQVXPHQWVN\GGHW KDUPRQLHUD UHJOHULQJHQ RFK XQGHUOlWWD I|U JUlQV|YHUVNULGDQGH ILQDQVLHOO YHUNVDPKHW )|UXWRP lQGULQJDU L I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW LQQHK|OO SDNHWHW lYHQ I|UVODJ WLOO HQ I|URUGQLQJ RP XSSUlWWDQGH RFK WLOOKDQGDKnOODQGH DY IDNWDEODG I|U YLVVD SDNHWHUDGH LQYHVWHULQJVSURGXNWHU .20 > @ 'HW VLVWQlPQGD UHVXOWHUDGH VHQDUH L (XURSDSDUODPHQWHWV RFK UnGHWV I|URUGQLQJ (8 QU DY GHQ QRYHPEHU RP IDNWDEODG I|U SDNHWHUDGH RFK I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU I|U LFNH SURIHVVLRQHOOD LQYHVWHUDUH 3ULLS SURGXNWHU GHQ V N 3ULLS I|URUGQLQJHQ 9LGDUH LQJLFN L NRQVXPHQWVN\GGVSDNHWHW HWW I|UVODJ WLOO lQGULQJDU L GLUHNWLY (* RP VDPRUGQLQJ DY ODJDU RFK DQGUD I|UIDWWQLQJDU VRP DYVHU I|UHWDJ I|U NROOHNWLYD LQYHVWHULQJDU L |YHUOnWEDUD YlUGHSDSSHU IRQGI|UHWDJ .20 > @ 'HW I|UVODJHW EUXNDU EHQlPQDV 8&,76 9 8QGHUWDNLQJV IRU &ROOHFWLYH ,QYHVWPHQWV LQ 7UDQVIHUDEOH 6HFXULWLHV VH YLGDUH )DNWDSURPHPRULD UHVSHNWLYH 'HQ MXQL DQWRJV (XURSDSDUODPHQWHWV RFK UnGHWV GLUHNWLY (8 RP lQGULQJ DY GLUHNWLY (* RP VDPRUGQLQJ DY ODJDU RFK DQGUD I|UIDWWQLQJDU VRP DYVHU I|UHWDJ I|U NROOHNWLYD LQYHVWHULQJDU L |YHUOnWEDUD YlUGHSDSSHU IRQGI|UHWDJ QlU GHW JlOOHU I|UYDULQJVLQVWLWXWVIXQNWLRQHU HUVlWWQLQJVSROLF\ RFK VDQNWLRQHU

8QGHU I|UKDQGOLQJHQ DY Q\D RFK UHYLGHUDGH UHJOHU I|U I|UVlNULQJVGLVWULEXWLRQ LQRP (8 XSSUlWWDGHV HQ SURPHPRULD PHG I|UVODJ WLOO UHYLGHUDGH RFK Q\D UHJOHU YLG I|UVlNULQJVI|UPHGOLQJ 6WlUNW NRQVXPHQWVN\GG YLG I|UVlNULQJVI|UPHGOLQJ 'V L )LQDQVGHSDUWHPHQWHW 3URPHPRULDQ LQQHKnOOHU I|UVODJ WLOO lQGULQJDU L EHILQWOLJ ODJ RP I|UVlNULQJVI|UPHGOLQJ 3URPHPRULDQV KXYXGVDNOLJD

opaginerad WLOOJlQJOLJD L )LQDQVGHSDUWHPHQWHW GQU )L )0$ 9 Kontrollera mot PDF

LQQHKnOO RFK ODJI|UVODJ ILQQV L bilagorna 2 RFK 3 3URPHPRULDQ KDU UHPLVVEHKDQGODWV (Q I|UWHFNQLQJ |YHU UHPLVVLQVWDQVHUQD ILQQV L bilaga 4 5HPLVV\WWUDQGHQD ILQQV WLOOJlQJOLJD L ODJVWLIWQLQJVlUHQGHW GQU)L )0$ )30

5HJHULQJHQ EHVOXWDGH GHQ PDM DWW WLOONDOOD HQ VlUVNLOG XWUHGDUH PHG XSSGUDJ DWW OlPQD I|UVODJ WLOO GH ODJlQGULQJDU VRP NUlYV L VYHQVN UlWW I|U DWW JHQRPI|UD GH UHYLGHUDGH RFK Q\D UHJOHU I|U EO D YlUGHSDSSHUVLQVWLWXW RFK E|UVHU VDPW KDQGHOVSODWVHU I|U ILQDQVLHOOD LQVWUXPHQW VRP I|OMHU DY 0L),' ,, RFK 0L),5 GLU 8WUHGQLQJHQ VRP DQWRJ QDPQHW nUV YlUGHSDSSHUVPDUNQDGV XWUHGQLQJ UHGRYLVDGH VLWW XSSGUDJ L MDQXDUL JHQRP EHWlQNDQGHW 9lUGHSDSSHUVPDUNQDGHQ 0L),' ,, RFK 0L),5 628 , EHWlQNDQGHW ILQQV ODJI|UVODJ VRP V\IWDU WLOO DWW XSSQn HQ VNlUSW RFK OLNDUWDG UHJOHULQJ I|U IUDP I|U DOOW WMlQVWHU UHODWHUDGH WLOO ILQDQVLHOO

UnGJLYQLQJ GlULEODQG I|UVlNULQJVI|UPHGOLQJ (Q VDPPDQIDWWQLQJ DY EHWlQNDQGHW ILQQV L bilaga 5 'H ODJI|UVODJ VRP DYVHU I|UVlNULQJV GLVWULEXWLRQ ILQQV L bilaga 6 %HWlQNDQGHW KDU UHPLVVEHKDQGODWV (Q I|UWHFNQLQJ |YHU UHPLVVLQVWDQVHUQD ILQQV L bilaga 7. 5HPLVVYDUHQ ILQQV

WLOOJlQJOLJD L )LQDQVGHSDUWHPHQWHW GQU )L )0$ 9

%DNJUXQG

.RUW KLVWRULN

'HW YDU JHQRP ODJHQ RP I|UVlNULQJVPlNODUH VRP WUlGGH L NUDIW GHQ MDQXDUL VRP GHW VORJV IDVW DWW I|UVlNULQJVPlNODUH VNXOOH In YHUND Sn GHQ VYHQVND PDUNQDGHQ 'HVVI|ULQQDQ KDGH L SUDNWLNHQ JlOOW HWW I|UEXG PRW I|UVlNULQJVPlNODUH GRFN LQWH PHG VW|G DY ODJVWLIWQLQJ XWDQ Sn JUXQG DY GHQ |YHUHQVNRPPHOVH I|U XSSKDQGOLQJ DY I|UVlNULQJDU VRP VHGDQ OlQJH KDGH JlOOW PHOODQ I|UVlNULQJVERODJHQ Sn GHQ VYHQVND PDUNQDGHQ *HQRP V N DQVNDIIQLQJV|YHUHQVNRPPHOVHU PHOODQ ERODJHQ LQI|UGHV HQ RUGQLQJ Sn GHQ VYHQVND I|UVlNULQJVPDUNQDGHQ VRP LQQHEDU DWW I|UVlNULQJVERODJHQ HQGDVW ILFN VlOMD I|UVlNULQJDU JHQRP HJQD RPEXG )|UVlNULQJVERODJHQ I|UEDQG VLJ GlULJHQRP GHP HPHOODQ DWW LQWH VlOMD I|UVlNULQJDU YLD PlNODUH HOOHU PlNODUI|UHWDJ RFK Sn Vn VlWW I|UKLQGUDGHV PlNODUH DWW YDUD YHUNVDPPD L 6YHULJH

)|UVODJHW WLOO HQ VlUVNLOG ODJVWLIWQLQJ RP I|UVlNULQJVPlNODUH OlPQDGHV DY )|UVlNULQJVYHUNVDPKHWVNRPPLWWpQ L GHOEHWlQNDQGHW )|UVlNULQJV PlNODUH L 6YHULJH 628 +XYXGVNlOHW EDNRP I|UVlNULQJV PlNODUODJHQ YDU DWW DYVNDIID GH HWDEOHULQJVKLQGHU VRP I|UHOnJ 'HW DQVnJV Q|GYlQGLJW DY KlQV\Q WLOO I|UVlNULQJVNXQGHUQD VlUVNLOW GH HQVNLOGD NRQVXPHQWHU VRP NXQGH NRPPD DWW DQOLWD PlNODUH DWW L HQ VlUVNLOG ODJ VWlOOD XSS YLVVD UHJOHU I|U YHUNVDPKHWHQ )|UVlNULQJV PlNODUODJHQ LQQHK|OO EnGH QlULQJVUlWWVOLJD RFK FLYLOUlWWVOLJD EHVWlP PHOVHU 'H QlULQJVUlWWVOLJD EHVWlPPHOVHUQD JDY DQYLVQLQJDU RP VMlOYD PlNODUEHJUHSSHW REHURHQGH DY I|UVlNULQJVJLYDULQWUHVVHQ VDPW YDG VRP VNXOOH JlOOD I|U UHJLVWUHULQJ DY PlNODUH RFK WLOOV\Q DY PlNODU YHUNVDPKHWHQ 9LGDUH IDQQV UHJOHU RP VDQNWLRQHU PRW PlNODUH VRP Sn HWW

opaginerad Lagen om försäkringsförmedling Kontrollera mot PDF

HOOHU DQQDW VlWW EU|W PRW EHVWlPPHOVHUQD L ODJHQ HOOHU VRP LQWH I|OMGH I|UHVNULIWHU XWIlUGDGH DY )LQDQVLQVSHNWLRQHQ VRP XWJMRUGH WLOOV\QV P\QGLJKHW 'H FLYLOUlWWVOLJD EHVWlPPHOVHUQD JDY YLOONRUHQ I|U PlNODUHQV XSSGUDJ RFK DQVYDU JHQWHPRW XSSGUDJVJLYDUH I|UVlNULQJVJLYDUH RFK DQGUD SHUVRQHU VRP NXQGH KD HNRQRPLVND LQWUHVVHQ L PlNODUHQV I|UPHGOLQJVXSSGUDJ )|UVlNULQJVPlNODUODJHQ NRPSOHWWHUDGHV PHG DQ YLVQLQJDU L I|URUGQLQJHQ RP I|UVlNULQJVPlNODUH GlU QlUPDUH EHVWlPPHOVHU JDYV I|U DQV|NDQ RP UHJLVWUHULQJ RP RPIDWWQLQJHQ DY REOLJDWRULVN DQVYDUVI|UVlNULQJ I|U PlNODUHQ VDPW RP XWELOGQLQJVNUDY

5HJHULQJHQ EHVOXWDGH DWW WLOOVlWWD HQ VlUVNLOG XWUHGDUH DWW J|UD HQ |YHUV\Q DY I|UVlNULQJVPlNODUODJHQ 0RW EDNJUXQG DY HUIDUHQKHWHUQD IUnQ WLOOlPSQLQJHQ DY ODJHQ RFK XWYHFNOLQJHQ Sn I|UVlNULQJVRPUnGHW VNXOOH XWUHGDUHQ I|UHVOn GH ODJlQGULQJDU VRP EHK|YGHV I|U DWW WU\JJD HQ VXQG XWYHFNOLQJ DY I|UVlNULQJVPlNODUYHUNVDPKHWHQ RFK I|UVWlUND VN\GGHW I|U GH I|UVlNULQJVWDJDUH VRP DQOLWDGH I|UVlNULQJVPlNODUH GLU 8WUHGDUHQV DUEHWH UHVXOWHUDGH L EHWlQNDQGHW )|UVlNULQJVPlNODUH ± (Q ODJ|YHUV\Q DY )|UVlNULQJVPlNODUXWUHGQLQJHQ 628 %HWlQNDQGHW LQQHK|OO HWW I|UVODJ WLOO Q\ ODJ RP I|UVlNULQJV PlNODUYHUNVDPKHW 8WUHGQLQJHQ I|UHVORJ IOHUD lQGULQJDU RFK WLOOlJJ WLOO I|UVlNULQJVPlNODUODJHQ IUDPI|U DOOW LQRP GH QlULQJVUlWWVOLJD EHVWlPPHOVHUQD )|UVODJHW NRP GRFN DWW EOL YLODQGH XQGHU I|UKDQGOLQJV DUEHWHW PHG (XURSDSDUODPHQWHWV RFK UnGHWV GLUHNWLY (* RP I|UVlNULQJVI|UPHGOLQJ I|UVlNULQJVI|UPHGOLQJV GLUHNWLYHW )|UVODJHW EHDNWDGHV HPHOOHUWLG L GHW HIWHUI|OMDQGH ODJVWLIWQLQJVDUEHWHW PHG ODJHQ RP I|UVlNULQJVI|UPHGOLQJ

)|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW DQWRJV GHQ GHFHPEHU 6\IWHW PHG GLUHNWLYHW YDU L I|UVWD KDQG DWW \WWHUOLJDUH XQGHUOlWWD YHUNVDPKHW |YHU JUlQVHUQD RFK DWW I|UElWWUD NXQGVN\GGHW

)|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW I|UHJLFNV DY HWW GLUHNWLY VRP DQWRJV UHGDQ RP HWDEOHULQJ I|U I|UVlNULQJVPlNODUH ((* 'HW GLUHNWLYHW EHJUlQVDGHV GRFN WLOO UHJOHU I|U HQ IULDUH HWDEOHULQJ DY IULVWnHQGH REHURHQGH DNW|UHU LQRP GnYDUDQGH (* cU NRP QlVWD VWHJ PRW HQ VDPRUGQLQJ Sn RPUnGHW PHOODQ (8 OlQGHUQD JHQRP (8 V EHVOXW RP UHNRPPHQGDWLRQHU I|U I|UVlNULQJVPlNODUYHUNVDPKHW ((* 'HVVD UHNRPPHQGDWLRQHU RPIDWWDGH DOOPlQQD DQYLVQLQJDU I|U YLOND NUDY VRP VNXOOH VWlOODV Sn VnGDQ YHUNVDPKHW VRP EHGUHYV REHURHQGH DY I|UVlNULQJVJLYDULQWUHVVHQ )|U VYHQVN GHO NRP UHNRPPHQGDWLRQHUQD DWW NRQNUHWLVHUDV JHQRP I|UHVNULIWHU IUnQ )LQDQV LQVSHNWLRQHQ ± )LQDQVLQVSHNWLRQHQV DOOPlQQD UnG )))6 RP JRG I|UVlNULQJVPlNODUVHG ± VRP GRFN XSSK|UGH DWW JlOOD Gn ODJHQ RP I|UVlNULQJVI|UPHGOLQJ I|UVlNULQJVI|UPHGOLQJVODJHQ WUlGGH L NUDIW

Lagen om försäkringsförmedling

)|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW (* lU GHQ (8 UlWWVDNW VRP I|U QlUYDUDQGH UHJOHUDU I|UVlNULQJVI|UPHGOLQJ 'LUHNWLYHW KDU JHQRPI|UWV L VYHQVN UlWW L KXYXGVDN JHQRP I|UVlNULQJVI|UPHGOLQJVODJHQ VRP WUlGGH L NUDIW GHQ MXOL SURS /DJHQ RP I|UVlNULQJVPlNODUH RFK I|URUGQLQJHQ RP I|UVlNULQJVPlNODUH

XSSKlYGHV HIWHU HQ |YHUJnQJVSHULRG IUDP WLOO RFK PHG GHQ PDUV

opaginerad )|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW Kontrollera mot PDF

)|UVlNULQJVI|UPHGOLQJVODJHQ NRPSOHWWHUDV DY GHOV I|URUGQLQJHQ RP I|UVlNULQJVI|UPHGOLQJ GHOV )LQDQVLQVSHNWLRQHQV I|UH VNULIWHU RFK DOOPlQQD UnG )))6 RP I|UVlNULQJVI|UPHGOLQJ

)|UVlNULQJVI|UPHGOLQJVODJHQ LQQHKnOOHU QlULQJVUlWWVOLJD RFK FLYLO UlWWVOLJD EHVWlPPHOVHU VRP lU WLOOlPSOLJD Sn GHQ VRP \UNHVPlVVLJW XW|YDU I|UVlNULQJVI|UPHGOLQJ /DJHQ UHJOHUDU I|UPHGOLQJ DY I|UVlNULQJDU RDYVHWW RP I|UPHGOLQJHQ XWI|UV DY I|UVlNULQJVPlNODUH HOOHU DY I|UVlN ULQJVRPEXG /DJHQ lU GRFN LQWH WLOOlPSOLJ Sn I|UVlNULQJVI|UPHGOLQJ VRP XW|YDV DY HWW I|UVlNULQJVI|UHWDJ HOOHU DY HQ DQVWlOOG KRV HWW I|UVlNULQJVI|UHWDJ VRP KDQGODU Sn I|UHWDJHWV DQVYDU HOOHU DY YLVVD VSHFLDORPEXG )|U VYHQVND I|UVlNULQJVI|UPHGODUH JlOOHU WLOOVWnQGV RFK UHJLVWUHULQJVSOLNW 7LOOVWnQG OlPQDV DY )LQDQVLQVSHNWLRQHQ RFK UHJLVW UHULQJ VNHU KRV %RODJVYHUNHW )|U V N DQNQXWQD I|UVlNULQJVI|UPHGODUH I|UHVNULYV HWW VlUVNLOW UHJLVWUHULQJVI|UIDUDQGH VRP LQQHElU DWW Q|GYlQGLJD NRQWUROOHU LQI|U UHJLVWUHULQJHQ VND J|UDV DY GHW I|UVlNULQJVI|UHWDJ VRP HQ DQNQXWHQ I|UPHGODUH WUlIIDW DYWDO PHG 'HW lU RFNVn I|UVlNULQJVI|UHWDJHW VRP DQPlOHU HQ DQNQXWHQ I|UPHGODUH I|U UHJLVWUHULQJ KRV %RODJVYHUNHW

, ODJHQ ILQQV YLGDUH EHVWlPPHOVHU RP VYHQVND I|UVlNULQJVI|UPHGODUHV YHUNVDPKHW XWRPODQGV RFK RP XWOlQGVND I|UVlNULQJVI|UPHGODUHV YHUN VDPKHW L 6YHULJH %HVWlPPHOVHUQD LQQHElU DWW GH JUXQGOlJJDQGH (8 UlWWVOLJD SULQFLSHUQD I|U DNW|UHUQD Sn GHQ ILQDQVLHOOD PDUNQDGHQ ± SULQFLSHQ RP HQ HQGD DXNWRULVDWLRQ SULQFLSHQ RP KHPODQGVWLOOV\Q RFK SULQFLSHQ RP |PVHVLGLJW HUNlQQDQGH ± EOLU WLOOlPSOLJD Sn I|UVlNULQJV I|UPHGODUH )|UXWVlWWQLQJDUQD I|U DWW UHJLVWUHULQJ VND NXQQD VNH lU L JUXQGHQ GHVDPPD I|U DOOD W\SHU DY I|UVlNULQJVI|UPHGODUH PHG XQGDQWDJ IUnQ NUDYHW Sn DQVYDUI|UVlNULQJ VRP LQWH JlOOHU I|U DQNQXWQD I|UPHGODUH bYHQ RP GH JUXQGOlJJDQGH I|UXWVlWWQLQJDUQD lU GHVDPPD lU NUDYHQ DYVHHQGH NXQVNDS RFK NRPSHWHQV DQSDVVDGH HIWHU GHQ YHUNVDPKHW VRP VND XW|YDV

'H QlUPDUH YHUNVDPKHWVUHJOHUQD I|U I|UVlNULQJVI|UPHGODUQD lU L KXYXGVDN DOOPlQW KnOOQD RFK XSSE\JJGD NULQJ NUDY Sn JRG I|UVlNULQJV I|UPHGOLQJVVHG NODJRPnOVKDQWHULQJ VNDGHVWnQGVVN\OGLJKHW RFK GRNX PHQWDWLRQVVN\OGLJKHW %HVWlPPHOVHUQD RP LQIRUPDWLRQVOlPQDQGH WLOO NXQGHQ lU GlUHPRW UHODWLYW GHWDOMHUDGH RFK L YLVVD IDOO VWUlQJDUH lQ GH NUDY VRP GLUHNW I|OMHU DY I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW

5HJOHUQD RP )LQDQVLQVSHNWLRQHQV WLOOV\Q RFK LQJULSDQGHQ OLNQDU GH EHVWlPPHOVHU VRP JlOOHU I|U DQGUD DNW|UHU Sn GHW ILQDQVLHOOD RPUnGHW

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

, I|OMDQGH DYVQLWW VDPPDQIDWWDV V\IWHW PHG I|UVlNULQJVGLVWULEXWLRQV

GLUHNWLYHW RFK GHW KXYXGVDNOLJD LQQHKnOOHW L GLUHNWLYHW

Syftet med försäkringsdistributionsdirektivet

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHWV KXYXGVDNOLJD V\IWH lU DWW |ND

KDUPRQLVHULQJHQ DY PHGOHPVVWDWHUQDV QDWLRQHOOD EHVWlPPHOVHU RP

I|UVlNULQJV RFK nWHUI|UVlNULQJVGLVWULEXWLRQ 0nOVlWWQLQJHQ lU DWW XSSQn

HQ PLQLPLJUDG DY KDUPRQLVHULQJ 'LUHNWLYHW LQQHKnOOHU GlUI|U

opaginerad Tillämpningsområde Kontrollera mot PDF

PLQLPLUHJOHU VRP P|MOLJJ|U I|U PHGOHPVVWDWHUQD DWW EHKnOOD HOOHU LQI|UD VWUlQJDUH UHJOHU lQ YDG GLUHNWLYHW I|UHVNULYHU

)|UVlNULQJDU NDQ GLVWULEXHUDV DY HWW IOHUWDO ROLND W\SHU DY DNW|UHU )|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHWV WLOOlPSQLQJVRPUnGH RPIDWWDU GlUI|U WLOO VNLOOQDG IUnQ I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW LQWH EDUD GLVWULEXWLRQ JHQRP I|UVlNULQJVI|UPHGODUH XWDQ L VWRUW VHWW DOO GLVWULEXWLRQ DY I|UVlNULQJVSURGXNWHU (WW DY V\IWHQD PHG GLUHNWLYHW lU DWW NXQGVN\GGHW Vn OnQJW VRP GHW lU P|MOLJW VND YDUD GHWVDPPD REHURHQGH DY GLVWULEXWLRQV NDQDO 9LG VLGDQ DY DPELWLRQHQ DWW K|MD NXQGVN\GGVQLYnQ V\IWDU GLUHNWLYHW lYHQ WLOO DWW I|UElWWUD GHQ LQUH PDUNQDGHQV IXQNWLRQVVlWW JHQRP DWW I|UHQNOD JUlQV|YHUVNULGDQGH QlULQJVYHUNVDPKHW DWW VNDSD HQ VXQG NRQNXUUHQV VDPW DWW |ND KDUPRQLVHULQJHQ DY GH DGPLQLVWUDWLYD VDQNWLRQHUQD

Tillämpningsområde

6RP IUDPJnU RYDQ RPIDWWDU I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHWV UHJOHU LQWH HQEDUW GLVWULEXWLRQ JHQRP HQ I|UVlNULQJVI|UPHGODUH XWDQ L VWRUW VHWW DOO GLVWULEXWLRQ DY I|UVlNULQJVSURGXNWHU GYV lYHQ I|UVlNULQJVI|UHWDJHQV I|UVlOMQLQJ L HJHQ UHJL , EHJUHSSHW I|UVlNULQJVGLVWULEXWLRQ LQQHIDWWDV OLNW EHJUHSSHW I|UVlNULQJVI|UPHGOLQJ EO D I|UYDOWQLQJ RFK IXOOJ|UDQGH DY I|UVlNULQJVDYWDO $Y VNlOHQ WLOO GLUHNWLYHW IUDPJnU YLGDUH DWW lYHQ YLVVD MlPI|UHOVHIXQNWLRQHU Sn ZHEESODWVHU UDQJRUGQLQJ DY I|UVlNULQJDU P P VND DQVHV YDUD I|UVlNULQJVGLVWULEXWLRQ 0RWVYDUDQGH I|UlQGULQJDU VRP I|U EHJUHSSHW I|UVlNULQJVI|UPHGOLQJ JlOOHU I|U nWHUI|UVlNULQJVGLVWULEXWLRQ

9LGDUH RPIDWWDU GLUHNWLYHW OLNVRP I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW YLVVD XQGDQWDJ , I|UKnOODQGH WLOO EHJUHSSHW NXQGHU DYVHV VnYlO NRQVXPHQWHU VRP QlULQJVLGNDUH 'lUHPRW KDU PHGOHPVVWDWHUQD P|MOLJKHW DWW XQGDQWD WLOOlPSQLQJHQ DY YLVVD UHJOHU L I|UKnOODQGH WLOO GLVWULEXWLRQ VRP VNHU WLOO SURIHVVLRQHOOD NXQGHU 9LGDUH lU GLVWULEXWLRQ DY I|UVlNULQJ PRW V N VWRUD ULVNHU XQGDQWDJHQ IUnQ HWW DQWDO UHJOHU MIU QHGDQ RP LQIRUPDWLRQVNUDY ,QWH KHOOHU EHK|YHU nWHUI|UVlNULQJVI|UPHGODUH RFK nWHUI|UVlNULQJVI|UHWDJ I|OMD GH UHJOHUQD

Tillstånd och registrering

(Q DY GH VW|UUH VNLOOQDGHUQD PHOODQ I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW RFK I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW lU DWW GHW VHQDUH VDNQDU HQ GHILQLWLRQ DY DQNQXWHQ I|UVlNULQJVI|UPHGODUH )|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW LQQH KnOOHU GlUHPRW HQ GHILQLWLRQ DY I|UVlNULQJVI|UPHGODUH VRP EHGULYHU I|U PHGOLQJ VRP VLGRYHUNVDPKHW 'LUHNWLYHW |SSQDU XSS I|U HQ P|MOLJKHW I|U HQ I|UVlNULQJVI|UPHGODUH VRP EHGULYHU I|UPHGOLQJ VRP VLGRYHUNVDPKHW DWW DJHUD Sn HWW I|UVlNULQJVI|UHWDJV HOOHU HQ DQQDQ I|UPHGODUHV DQVYDU )|U GHQQD JUXSS DY I|UPHGODUH ILQQV GHW HQOLJW GLUHNWLYHW HQ P|MOLJKHW DWW KD HQ VlUVNLOG UHJLVWUHULQJVRUGQLQJ

'LUHNWLYHW LQQHKnOOHU RFNVn HWW NUDY Sn DWW HQ DQV|NDQ RP WLOOVWnQG VND EHKDQGODV LQRP WUH PnQDGHU IUnQ GHW DWW HQ IXOOVWlQGLJ DQV|NDQ OlPQDWV LQ

1lU GHW JlOOHU I|UXWVlWWQLQJDUQD I|U WLOOVWnQG lU PnQJD DY GHVVD RI|UlQGUDGH 'HW Q\D GLUHNWLYHW VWlOOHU HPHOOHUWLG XSS HWW NUDY Sn DWW QlUD I|UELQGHOVHU LQWH InU I|UKLQGUD HQ HIIHNWLY WLOOV\Q .UDYHQ Sn NXQVNDS RFK

opaginerad Tillämpningsområde Kontrollera mot PDF

NRPSHWHQV NRPSOHWWHUDV lYHQ PHG HWW NUDY Sn IRUWO|SDQGH IRUWELOGQLQJ

RFK \UNHVXWYHFNOLQJ

(Q \WWHUOLJDUH I|UlQGULQJ lU DWW lYHQ I|UVlNULQJVI|UHWDJ VRP GLVWUL

EXHUDU I|UVlNULQJDU VND XSSI\OOD I|UXWVlWWQLQJDUQD I|U WLOOVWnQG

'LUHNWLYHW LQQHElU DWW UHJOHUQD RP IULKHW DWW WLOOKDQGDKnOOD WMlQVWHU RFK

HWDEOHULQJVIULKHW ± GYV Gn HQ I|UVlNULQJVI|UPHGODUH IUnQ HQ PHGOHPVVWDW

DYVHU DWW EHGULYD YHUNVDPKHW L HQ DQQDQ PHGOHPVVWDW ± I|UHQNODV L YLVVD

DYVHHQGHQ RFK XWYHFNODV YDG JlOOHU IUDPI|U DOOW NRPSHWHQVI|UGHOQLQJHQ

PHOODQ EHK|ULJD P\QGLJKHWHU L KHP UHVSHNWLYH YlUGODQG 5HJOHUQD lU

OLNDUWDGH PHG UHJOHULQJHQ DY JUlQV|YHUVNULGDQGH YHUNVDPKHW Sn DQGUD

QlUOLJJDQGH UlWWVRPUnGHQ LQRP ILQDQVPDUNQDGHQ

Regler för verksamheten

'LUHNWLYHW LQQHKnOOHU L GHQQD GHO EO D HQ Q\ SRUWDOEHVWlPPHOVH RP DWW I|UVlNULQJVGLVWULEXW|UHU VND DJHUD KHGHUOLJW RSDUWLVNW RFK SURIHVVLRQHOOW L HQOLJKHW PHG VLQD NXQGHUV ElVWD LQWUHVVH 'LUHNWLYHW LQQHKnOOHU YLGDUH UHJOHU RP HUVlWWQLQJ WLOO I|UVlNULQJVGLVWULEXW|UHU RFK RP GLVWULEXW|UHUQDV HUVlWWQLQJVV\VWHP , GLUHNWLYHW ILQQV lYHQ HWW Q\WW DOOPlQW NUDY Sn PDUNQDGVI|ULQJVPDWHULDO P P

'LUHNWLYHW LQQHKnOOHU lYHQ Q\D UHJOHU RP V N NRUVI|UVlOMQLQJ GYV Gn HQ I|UVlNULQJVSURGXNW HOOHU I|UVlNULQJVWMlQVW VlOMV WLOOVDPPDQV PHG HQ DQQDQ WMlQVW HOOHU SURGXNW VRP HWW SDNHW HOOHU VRP HWW YLOONRU I|U QnJRW DQQDW DYWDO P P 5HJOHUQD LQQHElU EO D DWW NXQGHQ L IUnJD VND LQIRUPHUDV RP DWW GHW lU P|MOLJW DWW N|SD SDNHWHWV ROLND NRPSRQHQWHU VHSDUDW YDUYLG SULVHW I|U GHP VND DQJHV 9LGDUH I|UEMXGV V N NRSSOLQJVI|UEHKnOO GYV NRUVI|UVlOMQLQJ Gn I|UVlNULQJVSURGXNWHQ HOOHU I|UVlNULQJVWMlQVWHQ LQWH NDQ N|SDV VHSDUDW IUnQ SDNHWHW )|UEXGHW PRWLYHUDV KXYXGVDNOLJHQ DY DWW NRSSOLQJVI|UEHKnOO VQHGYULGHU NRQNXUUHQVHQ RFK EHJUlQVDU NRQVXPHQWHQV YDOIULKHW

'LUHNWLYHW LQQHKnOOHU lYHQ Q\D UHJOHU RP SURGXNWJRGNlQQDQGH SURGXNWLQIRUPDWLRQ RFK SURGXNWNlQQHGRP

5HJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RP EHKDQGOLQJ DY WLOO JnQJDU VRP WLOOK|U NXQGHQ RFK RP NODJRPnOVKDQWHULQJ |YHUHQVVWlPPHU L KXYXGVDN PHG PRWVYDUDQGH EHVWlPPHOVHU L I|UVlNULQJVI|UPHGOLQJV GLUHNWLYHW

Informationskrav

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW LQQHKnOOHU WLOO VNLOOQDG IUnQ I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW LQIRUPDWLRQVNUDY I|U VnYlO I|UVlNULQJV I|UPHGODUH VRP I|UVlNULQJVI|UHWDJ RFK DQGUD PDUNQDGVDNW|UHU VRP GLVWULEXHUDU I|UVlNULQJVSURGXNWHU

,QIRUPDWLRQVNUDYHQ lU DQSDVVDGH HIWHU GH ROLND W\SHU DY GLVWULEXW|UHU VRP RPIDWWDV DY GLUHNWLYHW RFK GHQ YHUNVDPKHW VRP GHVVD DYVHU DWW XW|YD .UDYHQ lU VnOHGHV LQWH GHVDPPD I|U DOOD W\SHU DY GLVWULEXW|UHU

'LUHNWLYHW LQQHKnOOHU L IOHUD DYVHHQGHQ Q\D RFK PHU SUHFLVHUDGH NUDY QlU GHW JlOOHU GHQ LQIRUPDWLRQ VRP VND OlPQDV WLOO NXQGHUQD )|U PHUSDUWHQ DY LQIRUPDWLRQVNUDYHQ L GLUHNWLYHW JlOOHU W H[ DWW LQIRUPD WLRQHQ VND OlPQDV WLOO NXQGHQ L god tid LQQDQ I|UVlNULQJVDYWDO LQJnV MIU ´ i rimlig tid ´ HQOLJW I|UVlNULQJVI|UPHGOLQJVODJHQ

opaginerad 5HJOHUQD RP DOOPlQ LQIRUPDWLRQ VRP VND OlPQDV WLOO NXQGHQ PRWVYDUDV Kontrollera mot PDF

5HJOHUQD RP DOOPlQ LQIRUPDWLRQ VRP VND OlPQDV WLOO NXQGHQ PRWVYDUDV

WLOO VWRU GHO DY GH LQIRUPDWLRQVNUDY VRP ILQQV L I|UPHGOLQJVGLUHNWLYHW RFK L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ 'LUHNWLYHW LQQHKnOOHU GRFN lYHQ L GHQQD GHO Q\D LQIRUPDWLRQVNUDY IUlPVW DWW I|UVlNULQJVI|UPHGODUH RFK I|UVlNULQJVI|UHWDJ VND VSHFLILFHUD RP UnGJLYQLQJ WLOOKDQGDKnOOV HOOHU HM )|UVlNULQJVI|UPHGODUH VND YLGDUH DQJH RP GH I|UHWUlGHU NXQGHQ HOOHU RP GH DJHUDU Sn XSSGUDJ DY HWW I|UVlNULQJVI|UHWDJ

, I|UKnOODQGH WLOO I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW LQQHElU UHJOHUQD L

I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW lYHQ DWW NUDYHW Sn LQIRUPDWLRQ RP RFK KDQWHULQJ DY LQWUHVVHNRQIOLNWHU I|UW\GOLJDV VDPW DWW NUDYHQ I|U I|UVlNULQJVGLVWULEXW|UHU L VW|UUH XWVWUlFNQLQJ NRPPHU DWW OLNQD GH NUDY VRP JlOOHU I|U YlUGHSDSSHUVLQVWLWXW HQOLJW ODJHQ RP YlUGHSDSSHUV PDUNQDGHQ , IUnJD RP HUVlWWQLQJ VND I|UVlNULQJVI|UPHGODUH EO D SUHFLVHUD RP GHW U|U VLJ RP DUYRGHV HOOHU SURYLVLRQVILQDQVLHULQJ VDPW L GHW VHQDUH IDOOHW YLONHW EHORSS VRP SURYLVLRQHQ XSSJnU WLOO RP P|MOLJW )|U I|UVlNULQJVI|UHWDJ JlOOHU DWW GH VND LQIRUPHUD NXQGHQ RP DUWHQ DY GHQ HUVlWWQLQJ VRP PRWWDV DY GHVV DQVWlOOGD I|U I|UVlNULQJVDYWDOHW

'LUHNWLYHWV UHJOHU RP UnGJLYQLQJ RFK RP QRUPHU I|U I|UVlOMQLQJ VRP VNHU XWDQ UnGJLYQLQJ lU GHOYLV Q\D RFK PHU SUHFLVHUDGH )|UVlNULQJV GLVWULEXW|UHU VND REHURHQGH DY RP UnGJLYQLQJ WLOOKDQGDKnOOV HOOHU LQWH NODUJ|UD NXQGHQV NUDY RFK EHKRY L IUnJD RP I|UVlNULQJVVN\GG VDPW JH NXQGHQ REMHNWLY RFK I|UVWnHOLJ LQIRUPDWLRQ RP I|UVlNULQJVSURGXNWHQ VRP lU DQSDVVDG HIWHU W\SHQ DY NXQG RFK SURGXNWHQV NRPSOH[LWHW , OLNKHW PHG YDG VRP JlOOHU HQOLJW I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW VND YDUMH DYWDO VRP GLVWULEXW|UHQ I|UHVOnU YDUD I|UHQOLJW PHG NXQGHQV NUDY RFK EHKRY

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW LQQHKnOOHU HWW Q\WW NUDY YLG

UnGJLYQLQJ VRP LQQHElU DWW GLVWULEXW|UHQ lU VN\OGLJ DWW WLOOKDQGDKnOOD NXQGHQ HQ SHUVRQOLJ UHNRPPHQGDWLRQ PHG HQ I|UNODULQJ DY YDUI|U HQ YLVV SURGXNW ElVW PRWVYDUDU GHQQHV NUDY RFK EHKRY (QOLJW

I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW VND HQ I|UVlNULQJVI|UPHGODUH VRP LQIRUPHUDU NXQGHQ RP DWW UnGJLYQLQJ VNHU Sn EDVLV DY HQ opartisk och personlig DQDO\V EDVHUD UnGJLYQLQJHQ Sn Vn PnQJD I|UVlNULQJVDYWDO Sn

PDUNQDGHQ DWW HQ I|U NXQGHQ OlPSOLJ O|VQLQJ NDQ UHNRPPHQGHUDV ; MIU EHJUHSSHW opartisk DQDO\V L I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW LQQHKnOOHU lYHQ Q\D UHJOHU RP YLOND IRUPNUDY VRP VND JlOOD I|U LQIRUPDWLRQHQ $OO LQIRUPDWLRQ LQNOXVLYH PDUNQDGVI|ULQJVPDWHULDO VRP I|UVlNULQJVGLVWULEXW|UHU OlPQDU WLOO NXQGHU HOOHU SUHVXPWLYD NXQGHU VND YDUD NRVWQDGVIUL RSDUWLVN RFK LQWH YLOVHOHGDQGH 0DUNQDGVI|ULQJVPDWHULDO VND DOOWLG NODUW RFK W\GOLJW NXQQD LGHQWLILHUDV VRP VnGDQW 'LUHNWLYHW LQQHKnOOHU Q\D UHJOHU VRP LQQHElU DWW LQIRUPDWLRQHQ XQGHU YLVVD I|UXWVlWWQLQJDU InU OlPQDV WLOO NXQGHQ Sn HWW DQQDW YDUDNWLJW PHGLXP lQ SDSSHU HOOHU Sn HQ ZHEESODWV

9LG GLVWULEXWLRQ DY VNDGHI|UVlNULQJVSURGXNWHU VND NXQGHQ JHV

LQIRUPDWLRQ RP I|UVlNULQJVSURGXNWHQ L IRUP DY HWW VWDQGDUGLVHUDW SURGXNWIDNWDEODG Sn SDSSHU HOOHU QnJRW DQQDW YDUDNWLJW PHGLXP 3URGXNW IDNWDEODGHW VND YDUD XSSUlWWDW DY XWYHFNODUHQ DY VNDGHI|UVlNULQJV SURGXNWHQ

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW LQQHKnOOHU Q\D UHJOHU RP

LQIRUPDWLRQVOlPQDQGH WLOO DQVWlOOGD VRP DQVOXWV WLOO ´REOLJDWRULVND

WMlQVWHSHQVLRQVV\VWHP´ 0HGOHPVVWDWHUQD VND L GHVVD IDOO VlNHUVWlOOD DWW

opaginerad LQIRUPDWLRQHQ VRP DYVHV L NDS L GLUHNWLYHW WLOOKDQGDKnOOV GHQ DQVWlOOGH Kontrollera mot PDF

LQIRUPDWLRQHQ VRP DYVHV L NDS L GLUHNWLYHW WLOOKDQGDKnOOV GHQ DQVWlOOGH

XWDQ GU|MVPnO HIWHU DQVOXWQLQJHQ WLOO GHW EHU|UGD V\VWHPHW

6RP IUDPJnURYDQ LQQHKnOOHU GLUHNWLYHW lYHQ Q\D LQIRUPDWLRQVNUDY YLG

V N NRUVI|UVlOMQLQJ MIU RYDQ RP UHJOHU I|U YHUNVDPKHWHQ

Ytterligare krav för försäkringsbaserade investeringsprodukter

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW LQQHKnOOHU lYHQ Q\D VlUVNLOGD UHJOHU VRP VND LDNWWDV YLG GLVWULEXWLRQ L VDPEDQG PHG I|UVlOMQLQJ DY V N I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU %HJUHSSHW I|UVlNULQJV EDVHUDGH LQYHVWHULQJVSURGXNWHU PRWVYDUDU GH I|UVlNULQJVSURGXNWHU VRP RPIDWWDV DY 3ULLS I|URUGQLQJHQ RFK GHILQLHUDV L GLUHNWLYHWV DUWLNHO (QNHOW XWWU\FNW DYVHV I|UVlNULQJVSURGXNWHU PHG LQYHVWHULQJVLQVODJ 'LUHNWLYHW XQGDQWDU GRFN EO D SHQVLRQVSURGXNWHU IUnQ EHJUHSSHW I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU 5HJOHUQD JlOOHU XW|YHU GH RYDQ DQJLYQD UHJOHUQD I|U I|UVlOMQLQJ DY I|UVlNULQJVSURGXNWHU L DOOPlQKHW

5HJOHUQD VRP JlOOHU I|UVlNULQJVI|UPHGODUH VnYlO VRP I|UVlNULQJV I|UHWDJ |YHUHQVVWlPPHU L VWRU XWVWUlFNQLQJ PHG EHVWlPPHOVHUQD RP LQWUHVVHNRQIOLNWHU RFK LQYHVWHUDUVN\GG L DUWLNODUQD ± L 0L),' ,, %ODQG GHVVD LQJnU EO D UHJOHU VRP LQQHElU DWW I|UVlNULQJVI|UPHGODUH RFK I|UVlNULQJVI|UHWDJ LQWH InU WD HPRW WUHGMHSDUWVHUVlWWQLQJDU VRP NDQ I|UVlPUD NYDOLWHWHQ Sn GHQ WMlQVW VRP HUEMXGV 'lUWLOO DQJHV DWW nWJlUGHU VND YLGWDV I|U DWW I|UE\JJD LGHQWLILHUD RFK KDQWHUD LQWUHVVHNRQIOLNWHU

'LUHNWLYHW LQQHKnOOHU YLGDUH UHJOHU RP OlPSOLJKHWV RFK SDVVDQGH EHG|PQLQJ GRNXPHQWDWLRQVVN\OGLJKHW VDPW HWW NUDY Sn DWW UDSSRUWHUD Sn HWW WLOOIUHGVWlOODQGH VlWW EO D JHQRP UHJHOEXQGQD PHGGHODQGHQ RP GH WMlQVWHU VRP KDU XWI|UWV ± L I|UHNRPPDQGH IDOO LQNOXVLYH NRVWQDGHU RFK VNlOHQ WLOO DWW HQ YLVV UHNRPPHQGDWLRQ KDU JHWWV

Tillsyn och ingripanden

, OLNKHW PHG GHW QX JlOODQGH I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW lU PHGOHPVVWDWHUQD HQOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW VN\OGLJD DWW XWVH EHK|ULJD P\QGLJKHWHU I|U WLOOVWnQGV RFK UHJLVWUHULQJVI|UIDUDQGHW WLOOV\QHQ P P *HQRP I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW SUHFLVHUDV PHGOHPVVWDWHUQDV VN\OGLJKHW DWW OlPQD YLVV RIIHQWOLJ LQIRUPDWLRQ RP QDWLRQHOOD UHJOHU WLOO VN\GG I|U DOOPlQLQWUHVVHW VRP KDU EHW\GHOVH I|U GHQ VRP EHGULYHU I|UVlNULQJVI|UPHGOLQJ

1lU GHW JlOOHU WLOOV\QHQ |YHU ((6 I|UVlNULQJVI|UPHGODUH GYV XWOlQGVND I|UVlNULQJVI|UPHGODUH PHG KHPYLVW L HWW ODQG LQRP ((6 LQQHElU I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW HQ UDG I|UlQGULQJDU L I|U KnOODQGH WLOO I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW 'HW LQI|UV HWW V N GHODW DQVYDU I|U WLOOV\QHQ PHOODQ KHPODQGVP\QGLJKHWHQ RFK YlUGODQGV P\QGLJKHWHQ QlU HQ I|UVlNULQJVI|UPHGODUH KDU KHPYLVW L HWW ODQG LQRP ((6 PHQ EHGULYHU YHUNVDPKHW L HWW DQQDW ODQG LQRP ((6 8SSGHOQLQJHQ LQQHElU DWW YlUGODQGVP\QGLJKHWHQ VND VYDUD I|U GHQ V N XSSI|UDQGH WLOOV\QHQ Sn VLQ PDUNQDG GlU YHUNVDPKHWHQ EHGULYV RFK DWW KHPODQGV P\QGLJKHWHQ VND VYDUD I|U GHQ V N VWDELOLWHWVWLOOV\QHQ GYV NRQWUROOHQ |YHU DWW HQ I|UVlNULQJVI|UPHGODUH KDU WLOOIUHGVVWlOODQGH NYDOLWHW VW\UQLQJ RFK NRQWUROO L VLQ QlULQJVYHUNVDPKHW

opaginerad , I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW ILQQV lYHQ EHVWlPPHOVHU RP DWW GH Kontrollera mot PDF

, I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW ILQQV lYHQ EHVWlPPHOVHU RP DWW GH

EHK|ULJD P\QGLJKHWHUQD VLQVHPHOODQ XQGHU YLVVD I|UXWVlWWQLQJDU NDQ WUlIID |YHUHQVNRPPHOVHU RP DWW HQ EHK|ULJ P\QGLJKHW PHG DYVHHQGH Sn HQ YLVV I|UVlNULQJVI|UPHGODUH NDQ |YHUI|UD VLQD EHIRJHQKHWHU Sn HQ EHK|ULJ P\QGLJKHW L HQ DQQDQ PHGOHPVVWDW , GLUHNWLYHW XSSVWlOOV NUDY Sn DWW GH EHK|ULJD P\QGLJKHWHUQD L PHGOHPVVWDWHUQD VND VDPDUEHWD RFK XWE\WD DOO UHOHYDQW LQIRUPDWLRQ RFK DWW GH EHK|ULJD P\QGLJKHWHUQD VND VDPDUEHWD QlUD YDUDQGUD QlU GHW JlOOHU VDQNWLRQHU RFK DQGUD LQJULSDQGHnWJlUGHU

, GLUHNWLYHW ILQQV lYHQ NUDY Sn DWW HQ EHK|ULJ P\QGLJKHW L YLVVD IDOO VND LQIRUPHUD (XURSHLVND I|UVlNULQJV RFK WMlQVWHSHQVLRQVP\QGLJKHWHQ (LRSD RP DGPLQLVWUDWLYD VDQNWLRQHU RFK DQGUD nWJlUGHU

, I|UKnOODQGH WLOO QXYDUDQGH UHJOHULQJ LQQHElU I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW DWW EHVWlPPHOVHUQD RP DGPLQLVWUDWLYD VDQNWLRQHU RFK nWJlUGHU XWYHFNODV RFK SUHFLVHUDV EODQG DQQDW JHQRP DWW GH XWVWUlFNV WLOO I\VLVND SHUVRQHU L OHGDQGH VWlOOQLQJ RFK DOOD DQGUD I\VLVND HOOHU MXULGLVND SHUVRQHU VRP HQOLJW QDWLRQHOO UlWW lU DQVYDULJD I|U HQ |YHUWUlGHOVH )|U GHW I|UVWD VND PHGOHPVVWDWHUQD VH WLOO DWW VDQNWLRQHU RFK DQGUD nWJlUGHU NDQ YLGWDV YLG HQ UDG Q\D W\SHU DY |YHUWUlGHOVHU MlPI|UW PHG GHW QXYDUDQGH GLUHNWLYHW ± W H[ YLG EULVWDQGH HIWHUOHYQDG DY YLVVD XSSI|UDQGHUHJOHU )|U GHW DQGUD SUHFLVHUDV DWW GH VDQNWLRQHU RFK nWJlUGHU VRP ILQQV DWW WLOOJn VND LQQHIDWWD nWPLQVWRQH HWW RIIHQWOLJW XWWDODQGH HWW I|UHOlJJDQGH DWW XSSK|UD PHG YLVV RWLOOnWHQ YHUNVDPKHW nWHUNDOODQGH DY UHJLVWUHULQJ WLOOVWnQG VDQNWLRQVDYJLIWHU VDPW I|UEXG I|U SHUVRQHU VRP LQQHKDIW HQ OHGDQGH VWlOOQLQJ P IO DWW IRUWVlWWQLQJVYLV YHUND LQRP YLVVD I|UHWDJ 'LUHNWLYHW LQQHKnOOHU RFNVn HQ DOOPlQ EHVWlPPHOVH RP DWW DGPLQLVWUDWLYD VDQNWLRQHU RFK nWJlUGHU VND YDUD HIIHNWLYD SURSRUWLRQHOOD RFK DYVNUlFNDQGH VDPW HQ EHVWlPPHOVH RP HIIHNWLY WLOOlPSQLQJ DY VDQNWLRQHU

9LGDUH LQI|UV EHVWlPPHOVHU RP LQFLWDPHQW I|U DWW XSSPXQWUD DQPlOQLQJDU DY |YHUWUlGHOVHU WLOO WLOOV\QVP\QGLJKHWHU EODQG DQQDW JHQRP HWW NUDY Sn ´OlPSOLJW VN\GG´ I|U DQVWlOOGD VRP DYVO|MDU |YHUWUlGHOVHU KRV VLQ DUEHWVJLYDUH V N ZKLVWOHEORZHUV 6OXWOLJHQ LQI|UV NUDY Sn DWW WLOOV\QVP\QGLJKHWHUQD VND WLOOI|UVlNUDV DOOD Q|GYlQGLJD EHIRJHQKHWHU I|U DWW XQGHUV|ND HYHQWXHOOD |YHUWUlGHOVHU

Delegerade akter

, I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW ILQQV EHVWlPPHOVHU VRP JHU NRPPLVVLRQHQ EHIRJHQKHW DWW DQWD GHOHJHUDGH DNWHU 5HJOHUQD VRP NRPPLVVLRQHQ VND DQWD DYVHU DWW NRPSOHWWHUD GLUHNWLYHW L IUnJD RP SURGXNWWLOOV\Q RFK NUDY Sn VW\UQLQJ LQWUHVVHNRQIOLNWHU LQIRUPDWLRQ WLOO NXQGHU RFK EHG|PQLQJ DY OlPSOLJKHW RFK lQGDPnOVHQOLJKHW RFK UDSSRUWHULQJ WLOO NXQGHU , GLUHNWLYHW DQJHV GH QlUPDUH YLOONRUHQ I|U XW|YDQGH DY GHOHJHULQJHQ

'HQ HXURSHLVND I|UVlNULQJV RFK WMlQVWHSHQVLRQVP\QGLJKHWHQ (LRSD KDU YLGDUH XWDUEHWDW WHNQLVND I|UVODJ nW NRPPLVVLRQHQ VDPW XWDUEHWDW I|UVODJ Sn WHNQLVND VWDQGDUGHU LQRP HQ UDG RPUnGHQ 'lULEODQG IRUPDWHW Sn VWDQGDUGLVHUDGH SURGXNWIDNWDEODG I|U VNDGHI|UVlNULQJDU

opaginerad Överklagande Kontrollera mot PDF

Överklagande

, I|UKnOODQGH WLOO QXYDUDQGH UHJOHULQJ VWlOOHU LQWH I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW XSS QnJUD Q\D NUDY L IUnJD RP |YHUNODJDQGHQ

Införlivande

(QOLJW GLUHNWLYHW VND PHGOHPVVWDWHUQD VlWWD L NUDIW GH ODJDU RFK DQGUD I|UIDWWQLQJDU VRP lU Q|GYlQGLJD I|U DWW I|OMD I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW VHQDVW GHQ IHEUXDUL

)UnQ I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW WLOO I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

'HQ (8 UlWWVDNW VRP I|U QlUYDUDQGH UHJOHUDU I|UVlNULQJVI|UPHGOLQJ GYV I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW VNXOOH HQOLJW GLUHNWLYHW YDUD JHQRPI|UG L PHGOHPVVWDWHUQDV ODJVWLIWQLQJ VHQDVW GHQ MDQXDUL

3n HQJHOVND EHQlPQV I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW YDQOLJWYLV ,0' VRP lU HQ I|UNRUWQLQJ DY GHQ HQJHOVND WLWHOQ ,QVXUDQFH 0HGLDWLRQ 'LUHFWLYH , I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DQJHV DWW I|UVlNULQJV I|UPHGOLQJVGLUHNWLYHW VND XSSK|UD DWW JlOOD PHG YHUNDQ IUnQ GHW GDWXP Gn GLUHNWLYHW VND YDUD JHQRPI|UW DUWLNHO

%nGH I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW RFK I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW lU V N PLQLPLKDUPRQLVHULQJVGLUHNWLY YLONHW LQQHElU DWW PHGOHPVVWDWHUQD L QDWLRQHOO UlWW NDQ VWlOOD VWUlQJDUH NUDY Sn GH EHU|UGD DNW|UHUQD MlPI|UW PHG YDG GLUHNWLYHQ I|UHVNULYHU 6nGDQD \WWHUOLJDUH EHVWlPPHOVHU VND PRWLYHUDV DY NXQGVN\GGVVNlO 'HWWD KDU InWW WLOO I|OMG DWW I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW JHQRPI|UWV Sn ROLND VlWW L PHGOHPVVWDWHUQD 6RP H[HPSHO NDQ QlPQDV DWW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ VRP XWJ|U GHW KXYXGVDNOLJD LQI|UOLYDQGHW DY GLUHNWLYHW PHG VYHQVN UlWW L IOHUD DYVHHQGHQ VWlOOHU VWUlQJDUH NUDY Sn I|UVlNULQJVI|UPHGODUQD lQ YDG I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW I|UHVNULYHU , VDPEDQG PHG DWW NRPPLVVLRQHQ XQGHU nUHQ ± JUDQVNDGH KXU GH ROLND PHGOHPVVWDWHUQD KDGH JHQRPI|UW GLUHNWLYHW VWRG GHW HQOLJW NRPPLVVLRQHQV XSSIDWWQLQJ NODUW DWW GLUHNWLYHW EHK|YGH VHV |YHU L V\QQHUKHW I|U DWW |ND NRQVXPHQWVVN\GGHW YLG GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU

Kommissionens förslag till ett reviderat försäkringsförmedlingsdirektiv

'HQ MXOL RIIHQWOLJJMRUGH NRPPLVVLRQHQ VLWW I|UVODJ WLOO UHYLGHULQJ DY I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW ,0' ,, .20 > @ ILQDO

.RPPLVVLRQHQ I|UHVORJ EO D DWW XWYLGJD WLOOlPSQLQJVRPUnGHW WLOO DWW lYHQ RPIDWWD I|UVlNULQJVI|UHWDJHQV GLUHNWI|UVlOMQLQJ WLOO NXQGHU 'lUWLOO I|UHVORJV HQ UDG lQGULQJDU RFK WLOOlJJ VRP IUDPI|UDOOW V\IWDGH WLOO DWW |ND JUDGHQ DY NRQVXPHQWVN\GG RFK PDUNQDGVLQWHJUDWLRQ VDPW DWW VNDSD HQ VXQG NRQNXUUHQV Sn GHQ HXURSHLVND I|UVlNULQJVPDUNQDGHQ

, DQVOXWQLQJ WLOO NRPPLVVLRQHQV I|UVODJ XSSUlWWDGHV L DXJXVWL HQ IDNWDSURPHPRULD DY )LQDQVGHSDUWHPHQWHW VRP |YHUOlPQDGHV WLOO ULNVGDJHQ )30

opaginerad Kommissionens konsumentskyddspaket Kontrollera mot PDF

Kommissionens konsumentskyddspaket

)|UVODJHW WLOO GHW UHYLGHUDGH I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW LQJLFN L HWW NRQVXPHQWVN\GGVSDNHW EHVWnHQGH DY WUH UlWWVDNWHU V N &RQVXPHU 5HWDLO 3DFNDJH 3DNHWHW V\IWDGH WLOO DWW VWlUND NRQVXPHQWVN\GGHW KDUPRQLHUD UHJOHULQJHQ RFK XQGHUOlWWD I|U JUlQV|YHUVNULGDQGH ILQDQVLHOO YHUNVDPKHW )|UXWRP lQGULQJDU L I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW LQQHK|OO SDNHWHW lYHQ I|UVODJ WLOO HQ I|URUGQLQJ RP XSSUlWWDQGH RFK WLOOKDQGDKnOODQGH DY IDNWDEODG I|U YLVVD SDNHWHUDGH LQYHVWHULQJVSURGXNWHU .20 > @ 'HW VLVWQlPQGD UHVXOWHUDGH VHQDUH L (XURSDSDUODPHQWHWV RFK UnGHWV I|URUGQLQJ (8 QU DY GHQ QRYHPEHU RP IDNWDEODG I|U SDNHWHUDGH RFK I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU I|U LFNH SURIHVVLRQHOOD LQYHVWHUDUH 3ULLS SURGXNWHU GHQ V N 3ULLS I|URUGQLQJHQ )|URUGQLQJHQ V\IWDU WLOO DWW |ND LQV\QHQ RFK |SSHQKHWHQ DYVHHQGH SDNHWHUDGH LQYHVWHULQJVSURGXNWHU VRP HUEMXGV LFNH SURIHVVLRQHOOD LQYHVWHUDUH 7LOOlPSQLQJVWLGSXQNWHQ I|U I|URUGQLQJHQ lU HIWHU DWW HQ lQGULQJ DQWDJLWV L GHFHPEHU GHQ MDQXDUL 3ULLS I|URUGQLQJHQ lU WLOOlPSOLJ Sn YLVVD W\SHU DY SDNHWHUDGH ILQDQVLHOOD SURGXNWHU YDUV YlUGH EDVHUDV Sn XQGHUOLJJDQGH ILQDQVLHOOD SURGXNWHU 5HJHOYHUNHW DYVHU DWW ELGUD WLOO HQ KRULVRQWHOO RFK OLNDUWDG UHJOHULQJ I|U GH DNW|UHU VRP

XWYHFNODU JHU UnG RP HOOHU VlOMHU SDNHWHUDGH LQYHVWHULQJVSURGXNWHU 9LGDUH LQJLFN L NRQVXPHQWVN\GGVSDNHWHW HWW I|UVODJ WLOO lQGULQJDU L

GLUHNWLY (* RP VDPRUGQLQJ DY ODJDU RFK DQGUD I|UIDWWQLQJDU VRP DYVHU I|UHWDJ I|U NROOHNWLYD LQYHVWHULQJDU L |YHUOnWEDUD YlUGHSDSSHU IRQGI|UHWDJ .20 > @ 'HW I|UVODJHW EUXNDU EHQlPQDV 8&,76 9 8QGHUWDNLQJV IRU &ROOHFWLYH ,QYHVWPHQWV LQ 7UDQVIHUDEOH 6HFXULWLHV VH YLGDUH )DNWDSURPHPRULD UHVSHNWLYH 'HQ MXQL DQWRJV (XURSDSDUODPHQWHWV RFK UnGHWV GLUHNWLY (8 RP lQGULQJ DY GLUHNWLY (* RP VDPRUGQLQJ DY ODJDU RFK DQGUD I|UIDWWQLQJDU VRP DYVHU I|UHWDJ I|U NROOHNWLYD LQYHVWHULQJDU L |YHUOnWEDUD YlUGHSDSSHU IRQGI|UHWDJ QlU GHW JlOOHU I|UYDULQJVLQVWLWXWVIXQNWLRQHU HUVlWWQLQJVSROLF\ RFK VDQNWLRQHU

Förhandling med uppehåll

.RPPLVVLRQHQV I|UVODJ I|OMGHV DY DWW I|UKDQGOLQJDU LQOHGGHV L UnGHW K|VWHQ XQGHU OHGQLQJ DY GHW F\SULRWLVND (8 RUGI|UDQGHVNDSHW (Q NRUW WLG GlUHIWHU DYVWDQQDGH HPHOOHUWLG GHWWD DUEHWH RFK nWHUXSSWRJV LQWH I|UUlQ K|VWHQ XQGHU /LWDXHQV (8 RUGI|UDQGHVNDS

'HQ IHEUXDUL RIIHQWOLJJMRUGH (XURSDSDUODPHQWHW VLWW EHWlQNDQGH $ RFK I|UVW GHQ QRYHPEHU RIIHQWOLJJMRUGH UnGHW VLQ V N DOOPlQQD LQULNWQLQJ

8QGHU YnUHQ VNHGGH V N WULORJ I|UKDQGOLQJDU PHOODQ NRPPLVVLRQHQ UnGHW RFK (XURSDSDUODPHQWHW YDUHIWHU SROLWLVN HQLJKHW NXQGH XSSQnV GHQ MXQL 'HQ MXOL RIIHQWOLJJMRUGHV GHW |YHUHQVNRPQD UHYLGHUDGH I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW VRP Gn InWW GHW Q\D QDPQHW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW ,QVXUDQFH 'LVWULEXWLRQ 'LUHFWLYH ,'' 'HW Q\D QDPQHW V\IWDGH WLOO DWW PDUNHUD DWW GLUHNWLYHWV UlFNYLGG XW|NDWV WLOO DWW lYHQ RPIDWWD GHQ GLVWULEXWLRQ DY I|UVlNULQJDU VRP XWI|UV DY I|UVlNULQJV RFK nWHUI|UVlNULQJVI|UHWDJ

'HQ QRYHPEHU JRGNlQGH (XURSDSDUODPHQWHW WH[WHQ L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RFK GHQ GHFHPEHU DQWRJ UnGHW

opaginerad GLUHNWLYHW YDUHIWHU GHW SXEOLFHUDGHV GHQ IHEUXDUL L (XURSHLVND XQLRQHQV RIILFLHOOD WLGQLQJ Kontrollera mot PDF

GLUHNWLYHW YDUHIWHU GHW SXEOLFHUDGHV GHQ IHEUXDUL L (XURSHLVND XQLRQHQV RIILFLHOOD WLGQLQJ

.RPPLVVLRQHQ KDU XQGHU I|UKDQGOLQJDUQD RFK LQRP UDPHQ I|U |YHUV\QHQ DY GLUHNWLYHW RP I|UVlNULQJVI|UPHGOLQJ JHQRPI|UW HWW V N NRQVXOWDWLRQVI|UIDUDQGH RFK lYHQ KnOOLW P|WHQ PHG H[SHUWHU IUnQ (8 V PHGOHPVVWDWHU 9LGDUH KDU NRPPLVVLRQHQ EHJlUW YlJOHGQLQJ FDOO IRU DGYLFH RP LQQHKnOOHW L |YHUV\QHQ IUnQ GHQ GnYDUDQGH .RPPLWWpQ I|U HXURSHLVND P\QGLJKHWHU PHG WLOOV\Q |YHU I|UVlNULQJDU RFK WMlQVWH SHQVLRQHU &HLRSV VHGHUPHUD GHQ (XURSHLVND I|UVlNULQJV RFK WMlQVWH SHQVLRQVP\QGLJKHWHQ (LRSD

Delegerade akter

(WW YLNWLJW LQVODJ L GHW Q\D UHJHOYHUNHW XWJ|UV DY GH GHOHJHUDGH DNWHU RFK WHNQLVND VWDQGDUGV VRP I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW JHU NRPP LVVLRQHQ EHIRJHQKHW DWW DQWD DUWLNODUQD DQGUD VW\FNHW RFK 5HJOHUQD VRP NRPPLVVLRQHQ InWW EHIRJHQKHW DWW DQWD L I|UKnOODQGH WLOO GHOHJHUDGH DNWHU DYVHU DWW NRPSOHWWHUD GLUHNWLYHW L IUnJD RP SURGXNWWLOOV\Q RFK NUDY Sn VW\UQLQJ DUWLNHO LQWUHVVHNRQIOLNWHU DUWLNHO LQIRUPDWLRQ WLOO NXQGHU DUWLNHO RFK EHG|PQLQJ DY OlPSOLJKHW RFK lQGDPnOVHQOLJKHW RFK UDSSRUWHULQJ WLOO NXQGHU DUWLNHO , GLUHNWLYHW DQJHV GH QlUPDUH YLOONRUHQ I|U XW|YDQGH DY GHOHJHULQJHQ DUWLNHO 'H WHNQLVND VWDQGDUGHUQD VRP NRPPLVVLRQHQ VND DQWD DYVHU L VLQ WXU DQSDVVQLQJ DY EDVEHORSS L I|UKnOODQGH WLOO DQVYDUVI|UVlNULQJ VDPW

VWDQGDUGHU I|U SURGXNWIDNWDEODG I|U I|UVlNULQJVSURGXNWHU

'HQ HXURSHLVND I|UVlNULQJV RFK WMlQVWHSHQVLRQVP\QGLJKHWHQ (LRSD KDU XWDUEHWDW WHNQLVND I|UVODJ DYVHHQGH GHOHJHUDGH DNWHU VDPW I|UVODJ Sn WHNQLVND VWDQGDUGHU RFK |YHUOlPQDW GHVVD WLOO NRPPLVVLRQHQ (LRSD SXEOLFHUDGH L DSULO UHVSHNWLYH MXQL NRQVXOWDWLRQVGRNXPHQW RFK JDY DOOD EHU|UGD P|MOLJKHW DWW OlPQD V\QSXQNWHU (LRSD |YHUOlPQDGH GHQ IHEUXDUL HWW VOXWOLJW WHNQLVNW I|UVODJ DYVHHQGH GHOHJHUDGH DNWHU RFK GHQ IHEUXDUL VDPPD nU I|UVODJ Sn WHNQLVND VWDQGDUGHU DYVHHQGH SURGXNWIDNWDEODG

8QGHU YnUHQ YlQWDV NRPPLVVLRQHQ DQWD GHOHJHUDGH DNWHU RFK WHNQLVND VWDQGDUGV I|OMW DY HQ JUDQVNQLQJVSHULRG DY UHJOHUQD DY (XURSDSDUODPHQWHW RFK UnGHW XQGHU VRPPDUHQ

8WUHGQLQJDU RFK UDSSRUWHU

)UnJDQ RP KXU NRQVXPHQWVN\GGHW NDQ VWlUNDV Sn PDUNQDGHQ I|U

ILQDQVLHOO UnGJLYQLQJ RFK YLG I|UVlNULQJVI|UPHGOLQJ KDU lYHQ YDULW

I|UHPnO I|U IOHUD XWUHGQLQJDU RFK VWXGLHU 8QGHU EHUHGQLQJHQ DY GHQQD

SURPHPRULD KDU lYHQ GH XWUHGQLQJDU RFK UDSSRUWHU VRP EHVNULYV

NRUWIDWWDW QHGDQ EHDNWDWV

Stärkt konsumentskydd vid försäkringsförmedling

, GHSDUWHPHQWVSURPHPRULDQ 6WlUNW NRQVXPHQWVN\GG YLG I|UVlNULQJV

I|UPHGOLQJ 'V I|UHVOnV lQGULQJDU L ODJHQ RP

I|UVlNULQJVI|UPHGOLQJ I|UVlNULQJVI|UPHGOLQJVODJHQ 9LVVD DY I|UVODJHQ

JHQRPI|U GH lQGULQJDU L I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW VRP DQJHV

opaginerad GLUHNWLYHW YDUHIWHU GHW SXEOLFHUDGHV GHQ IHEUXDUL L (XURSHLVND XQLRQHQV RIILFLHOOD WLGQLQJ Kontrollera mot PDF

LQRP UDPHQ I|U 0L),' ,, VnYLWW JlOOHU I|UVlNULQJVEDVHUDGH LQYHVWHULQJV SURGXNWHU DUWLNHO L 0L),' ,, VRP LEODQG EHQlPQV ,0' 'HVVD lQGULQJDU L I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW DQWRJV YLG HQ WLGSXQNW Gn GHW IUDPVWRG VRP RVlNHUW KXUXYLGD NRPPLVVLRQHQ UnGHW RFK (XURSDSDUODPHQWHW VNXOOH NXQQD Qn HQ |YHUHQVNRPPHOVH RP I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHWV XWIRUPQLQJ

, SURPHPRULDQ I|UHVOnV HQ XWYLGJDG OlPSOLJKHWVSU|YQLQJ DY I|UVlNULQJVI|UPHGODUH VRP DQV|NHU RP WLOOVWnQG KRV HOOHU VRP UHGDQ KDU WLOOVWnQG DY )LQDQVLQVSHNWLRQHQ )|U HQ VYHQVN I\VLVN SHUVRQ VND GHW XW|YHU DWW XSSI\OOD GH NUDY VRP QX JlOOHU NUlYDV DWW I|UVlNULQJV I|UPHGODUHQ lYHQ L |YULJW lU OlPSOLJ DWW XW|YD YHUNVDPKHWHQ )|U VYHQVND MXULGLVND SHUVRQHU VND GHW XW|YHU GH NUDY VRP QX JlOOHU NUlYDV DWW GHQ VRP LQJnU L OHGQLQJHQ HOOHU lU HUVlWWDUH I|U GHQQH lYHQ L |YULJW lU OlPSOLJ DWW LQJn L OHGQLQJHQ 'HVVD NUDY I|UHVOnV lYHQ JlOOD I|U XWOlQGVND I|UVlNULQJVI|UPHGODUH VRP lJQDU VLJ nW I|UVlNULQJVI|UPHGOLQJ L 6YHULJH VnYLWW JlOOHU I|UPHGODUH YDUV KHPODQG LQWH LQJnU L ((6 'H Q\D NUDYHQ VND LQWH JlOOD I|U DQNQXWQD I|UVlNULQJVI|UPHGODUH (WW WLOOVWnQG DWW XW|YD I|UVlNULQJVI|UPHGOLQJ VND nWHUNDOODV RP OlPSOLJKHWVNUDYHW LQWH OlQJUH lU XSSI\OOW

3URPHPRULDQ LQQHKnOOHU lYHQ HWW I|UVODJ DYVHHQGH KDQGOlJJQLQJHQ DY HQ EHJlUDQ RP nWHUNDOOHOVH DY WLOOVWnQG DWW XW|YD I|UVlNULQJVI|UPHGOLQJ

, SURPHPRULDQ I|UHVOnV GHVVXWRP HQ lQGULQJ L NDS † I|UVlNULQJV I|UPHGOLQJVODJHQ bQGULQJHQ LQQHElU DWW I|UVlNULQJVI|UPHGODUH VRP PRWWDU RFK YLGDUHEHIRUGUDU RUGHU DYVHHQGH YLVVD IRQGDQGHODU RFK WLOOKDQGDKnOOHU LQYHVWHULQJVUnGJLYQLQJ DYVHHQGH VnGDQD DQGHODU VRP VLGRYHUNVDPKHW VND I|OMD lYHQ YLVVD I|UHVNULIWHU VRP KDU PHGGHODWV PHG VW|G DY ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ

9LGDUH I|UHVOnV HWW I|UW\GOLJDQGH DY GHILQLWLRQHQ DY I|UVlNULQJV I|UPHGOLQJ RFK Q\D DOOPlQQD NUDY GHOV Sn I|UVlNULQJVI|UPHGODUHV XSSWUlGDQGH GHOV DYVHHQGH I|UPHGODUHV LQIRUPDWLRQ WLOO NXQGHU

3URPHPRULDQ LQQHKnOOHU lYHQ HWW I|UVODJ RP DWW HQ I|UVlNULQJV I|UPHGODUH L VDPEDQG PHG YHUNVDPKHWHQ LQWH InU PDUNQDGVI|UD DQGUD ILQDQVLHOOD WMlQVWHU HOOHU SURGXNWHU lQ VnGDQD I|UVlNULQJDU VRP WLOOVWnQGHW HOOHU UHJLVWUHULQJHQ DYVHU VDPW GH WMlQVWHU RFK SURGXNWHU VRP NXQGHQ NDQ YlOMD LQRP I|UVlNULQJHQ

6OXWOLJHQ I|UHVOnV HQ Q\ EHVWlPPHOVH PHG NUDY Sn DWW I|UVlNULQJV I|UPHGODUH VND KDQWHUD LQWUHVVHNRQIOLNWHU L YHUNVDPKHWHQ Sn YLVVW VlWW (QOLJW EHVWlPPHOVHQ InU HQ I|UVlNULQJVI|UPHGODUH LQWH WD HPRW RFK EHKnOOD SURYLVLRQ HOOHU DQQDQ OLNQDQGH HUVlWWQLQJ IUnQ QnJRQ DQQDQ lQ NXQGHQ RP HUVlWWQLQJHQ NDQ PRWYHUND DWW I|UPHGODUHQ WLOOYDUDWDU NXQGHQV LQWUHVVHQ 5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU PHGGHOD I|UHVNULIWHU RP YDG VRP NUlYV I|U DWW HQ I|UVlNULQJVI|UPHGODUH VND XSSI\OOD NUDYHW

/DJlQGULQJDUQD V\IWDU WLOO DWW VWlUND VN\GGHW DY NRQVXPHQWHU RFK |YULJD NXQGHU WLOO I|UVlNULQJVI|UPHGODUH /DJlQGULQJDUQD I|UHVOnV WUlGD L NUDIW GHQ PDUV

)|UVODJHQ L SURPHPRULDQ KDU LQWH JHQRPI|UWV L VYHQVN ODJVWLIWQLQJ , GHQQD SURPHPRULD JHV I|UVODJ Sn KXU GHVVD I|UVODJ E|U EHDNWDV L ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

opaginerad .RUW RP EHKRYHW DY HQ OLNDUWDG UHJOHULQJ DY Kontrollera mot PDF

Stärkt konsumentskydd vid finansiell rådgivning

8WUHGQLQJHQ RP NRQVXPHQWVN\GG YLG ILQDQVLHOO UnGJLYQLQJ |YHU

OlPQDQGH GHQ IHEUXDUL VLWW EHWlQNDQGH 'HW PnVWH Jn DWW OLWD Sn

NRQVXPHQWVN\GGHW 628 , EHWlQNDQGHW J|UV EHG|PQLQJHQ DWW

GHW E|U |YHUYlJDV DWW LQI|UD HQ EHVWlPPHOVH L I|UVlNULQJVI|UPHGOLQJV

ODJHQ RP LQWUHVVHNRQIOLNWHU VRP PRWVYDUDU GHQ L NDS † ODJHQ RP

YlUGHSDSSHUVPDUNQDGHQ VDPPD EHW V 8WUHGQLQJHQ SnWDODU lYHQ L

|YULJW YLVVD SUREOHP VRP I|UHOLJJHU Sn EO D I|UVlNULQJVI|UPHGOLQJV

PDUNQDGHQ W H[ QlU GHW JlOOHU GHQ REOLJDWRULVND DQVYDUVI|UVlNULQJHQ

JUlQVGUDJQLQJHQ PHOODQ UnGJLYQLQJ RFK |YULJ PDUNQDGVI|ULQJ P P

8WUHGQLQJHQV EHWlQNDQGH LQQHKnOOHU GRFN LQJD I|UIDWWQLQJVI|UVODJ

DYVHHQGH I|UVlNULQJVI|UPHGOLQJVODJHQ

Rapporter från Finansinspektionen

)LQDQVLQVSHNWLRQHQ KDU YLG IOHUD WLOOIlOOHQ SnWDODW EHKRYHW DY |NDW NRQVXPHQWVN\GG Sn GHQ VYHQVND PDUNQDGHQ I|U I|UVlNULQJVI|UPHGOLQJ )LQDQVLQVSHNWLRQHQ KDU L HQ KHPVWlOODQ WLOO )LQDQVGHSDUWHPHQWHW L RNWREHU EHJlUW DWW UHJHULQJHQ EHP\QGLJDU LQVSHNWLRQHQ DWW PHGGHOD I|UHVNULIWHU RP I|UVlNULQJVI|UPHGODUHV I|UPHGOLQJ DY IRQGDQGHODU RFK LQYHVWHULQJVUnGJLYQLQJ RP IRQGDQGHODU GQU )L )LQDQV LQVSHNWLRQHQ KDU YLGDUH L GHQ V N WLOOV\QVUDSSRUWHQ I|U DQI|UW DWW GHW NUlYV HQ |YHUV\Q DY GH NUDY VRP JlOOHU I|U WLOOVWnQG DWW XW|YD I|UVlNULQJVI|UPHGOLQJ HQOLJW I|UVlNULQJVI|UPHGOLQJVODJHQ 7LOOV\QV UDSSRUW GHQ PDM GQU )LQDQVLQVSHNWLRQHQ KDU lYHQ YLG IOHUD WLOOIlOOHQ EO D L WLOOV\QVUDSSRUWHQ I|U IUDPI|UW DWW UHJHULQJHQ E|U WD LQLWLDWLY WLOO HQ ODJlQGULQJ VRP EHJUlQVDU P|MOLJKHWHQ I|U I|UVlNULQJVI|UPHGODUH DWW WD HPRW SURYLVLRQHU 7LOOV\QVUDSSRUW GHQ PDM GQU V ± 'HVVD UDSSRUWHU XWJMRUGH lYHQ EHUHGQLQJVXQGHUODJ WLOO RYDQ QlPQG SURPHPRULD 6WlUNW NRQVXPHQWVN\GG YLG I|UVlNULQJVI|UPHGOLQJ 'V

)LQDQVLQVSHNWLRQHQ KDU lYHQ L UDSSRUWHQ (WW Q|GYlQGLJW VWHJ I|U HQ ElWWUH VSDUDQGHPDUNQDG GQU VRP SXEOLFHUDGHV IHEUXDUL IUDPI|UW DUJXPHQW I|U HWW I|UEXG PRW DOOD SURYLVLRQHU YLG LQYHVWHULQJVUnGJLYQLQJ SRUWI|OMI|UYDOWQLQJ RFK I|UPHGOLQJ DY OLY I|UVlNULQJDU VDPW UHGRYLVDW NRQVHNYHQVHU DY DWW LQI|UD HWW VnGDQW I|UEXG

.RQVXPHQWVN\GGVSUREOHP Sn PDUNQDGHQ I|U I|UVlNULQJVI|UPHGOLQJ KDU lYHQ XSSPlUNVDPPDWV L )LQDQVLQVSHNWLRQHQV nUOLJD UDSSRUWHU RP NRQVXPHQWVN\GGHW Sn ILQDQVPDUNQDGHQ

.RUW RP EHKRYHW DY HQ OLNDUWDG UHJOHULQJ DY

ILQDQVLHOO UnGJLYQLQJ

)LQDQVLHOO UnGJLYQLQJ NDQ WLOOKDQGDKnOODV DY EDQNHU I|UVlNULQJVI|UHWDJ IRQGERODJ $,) I|UYDOWDUH YlUGHSDSSHUVLQVWLWXW RFK I|UVlNULQJV I|UPHGODUH 'HW ILQQV LQWH QnJRQ VDPPDQKnOOHQ ODJVWLIWQLQJ VRP UHJOHUDU GHVVD DNW|UHU RFK GHQ UnGJLYQLQJ GH XWI|U /DJVWLIWQLQJHQ VRP L KXYXGVDN KDU VLQ JUXQG L (8 UlWWHQ EHVWnU L GDJ DY GH ODJDU VRP LQQHKnOOHU GHQ QlULQJVUlWWVOLJD UHJOHULQJHQ DY GH EHU|UGD I\VLVND HOOHU

MXULGLVND SHUVRQHUQD , ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ

opaginerad UHJOHU RP LQIRUPDWLRQ RFK RUJDQLVDWLRQ DY Kontrollera mot PDF

UHJOHUDV LQYHVWHULQJVUnGJLYQLQJ VRP XWI|UV DY YlUGHSDSSHUVLQVWLWXW 5nGJLYQLQJ VRP XWI|UV DY IRQGERODJ $,) I|UYDOWDUH RFK I|UVlNULQJV I|UPHGODUH UHJOHUDV L ODJHQ RP YlUGHSDSSHUVIRQGHU ODJHQ RP I|UYDOWDUH DY DOWHUQDWLYD LQYHVWHULQJVIRQGHU UHVSHNWLYH ODJHQ RP I|UVlNULQJVI|UPHGOLQJ 6DPWOLJD GHVVD ODJDU LQI|U OLYDU L YDULHUDQGH XWVWUlFNQLQJ ROLND (8 GLUHNWLY

'lUXW|YHU ILQQV L ODJHQ RP ILQDQVLHOO UnGJLYQLQJ WLOO NRQVXPHQWHU UnGJLYQLQJVODJHQ EO D QlULQJVUlWWVOLJD UHJOHU Sn QDWLRQHOO QLYn RP ILQDQVLHOO UnGJLYQLQJ VRP HQ QlULQJVLGNDUH WLOOKDQGDKnOOHU HQ NRQVXPHQW 5nGJLYQLQJVODJHQ lU L KXYXGVDN WLOOlPSOLJ Sn VnGDQ UnGJLYQLQJ VRP LQWH lU WLOOVWnQGVSOLNWLJ RFK NRPSOHWWHUDU DOOWVn GH Q\VV QlPQGD ODJDUQD , YLVVD GHODU lU GRFN ODJHQ lYHQ WLOOlPSOLJ Sn WLOOVWnQGVSOLNWLJ UnGJLYQLQJ GHWWD HIWHUVRP GHQ LQQHKnOOHU GH JHQHUHOOW WLOOlPSOLJD FLYLOUlWWVOLJD UHJOHUQD RP VNDGHVWnQGVDQVYDU YLG YnUGVO|V UnGJLYQLQJ VH YLGDUH QHGDQ L DYVQLWWHW RP UnGJLYQLQJVODJHQ

)|UVlNULQJVI|UPHGODUH NDQ VRP QlPQV XWI|UD YLVV EHJUlQVDG LQYHVWHULQJVUnGJLYQLQJ HIWHU WLOOVWnQG I|U VLGRYHUNVDPKHW , GHQ YHUNVDP KHWHQ JlOOHU ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ L WLOOlPSOLJD GHODU 1lU HQ I|UVlNULQJVI|UPHGODUH JHU UnG EHWUlIIDQGH RPSODFHULQJDU DY ILQDQVLHOOD LQVWUXPHQW LQRP UDPHQ I|U HQ I|UVlNULQJ EHURU GHW Sn NDUDNWlUHQ DY GH UnG VRP OlPQDV YLONHW UHJHOYHUN VRP EOLU WLOOlPSOLJW 2P GHW lU UnGJLYQLQJ DYVHHQGH I|UVlNULQJ GYV LQWH LQYHVWHULQJVUnGJLYQLQJ lU ODJHQ RP I|UVlNULQJVI|UPHGOLQJ RFK UnGJLYQLQJVODJHQ WLOOlPSOLJD 1lU GHW VOXWOLJHQ JlOOHU I|UVlNULQJVI|UHWDJ JlOOHU HQEDUW UnGJLYQLQJVODJHQ QlU HWW VnGDQW I|UHWDJ OlPQDU ILQDQVLHOO UnGJLYQLQJ

6DPPDQIDWWQLQJVYLV NDQ VnOHGHV NRQVWDWHUDV DWW ROLND UHJOHU VND WLOOlPSDV I|U YHUNVDPKHW VRP nWPLQVWRQH XU NXQGHQV SHUVSHNWLY lU UHODWLYW OLNDUWDG 'HW ILQQV GlUI|U HWW EHKRY DY HQ OLNDUWDG RFK |YHUVNnGOLJ UHJOHULQJ DY UnGJLYQLQJ Sn ILQDQVPDUNQDGVRPUnGHW 8WJnQJVSXQNWHQ PnVWH YDUD DWW GHW XU HWW NXQGVN\GGVSHUVSHNWLY LQWH VND VSHOD QnJRQ UROO YLONHQ W\S DY I|UHWDJ GHW lU VRP XWI|U UnGJLYQLQJHQ HOOHU YLONHQ W\S DY GLVWULEXWLRQVPRGHOO VRP DQYlQGV 'HW lU VDPWLGLJW YLNWLJW DWW UHJOHUQD lU SURSRUWLRQHUOLJD RFK DWW GH EHDNWDU GH ROLNKHWHU VRP ILQQV QlU GHW JlOOHU SURGXNWHU RFK PDUNQDGHU

8QGHU GH VHQDVWH nUHQ KDU HQ RPIDWWDQGH UHIRUPHULQJ DY (8 UlWWHQ Sn RPUnGHW JHQRPI|UWV 'HWWD KDU InWW WLOO I|OMG DWW GHW I|U QlUYDUDQGH SnJnU DUEHWH PHG DWW L VYHQVN UlWW JHQRPI|UD ROLND (8 GLUHNWLY HOOHU J|UD DQSDVVQLQJDU PHG DQOHGQLQJ DY (8 I|URUGQLQJDU VRP Sn ROLND VlWW U|U ILQDQVPDUNQDGVRPUnGHW 'HVVD ODJVWLIWQLQJVnWJlUGHU XWJ|U DOOD HWW OHG L DUEHWHW PHG DWW VWHJYLV DQSDVVD GH ILQDQVLHOOD UHJHOYHUNHQ PRW HQ OLNDUWDG UHJOHULQJ I|U DOOD DNW|UHU VRP JHU UnGJLYQLQ J Sn ILQDQVPDUNQDGVRPUnGHW , V\IWH DWW XSSQn HQ NRQNXUUHQVQHXWUDO PDUNQDG I|U UnGJLYQLQJ Sn ILQDQVPDUNQDGVRPUnGHW PHG HWW VWlUNW VN\GG I|U NXQGHQ E|U NUDYHQ DYVHHQGH UnGJLYDUHQV NRPSHWHQV VDPW UHJOHUQD RP OlPSOLJKHWV EHG|PQLQJ GRNXPHQWDWLRQ RFK HUVlWWQLQJVV\VWHP YDUD OLNDUWDGH RDYVHWW YLONHQ W\S DY UnGJLYQLQJ HOOHU SURGXNW VRP UnGJLYDUHQ HUEMXGHU bYHQ

UHJOHU RP LQWUHVVHNRQIOLNWHU RFK HUVlWWQLQJDU WLOO RFK IUnQ WUHGMHSDUW VDPW

UHJOHU RP LQIRUPDWLRQ RFK RUJDQLVDWLRQ DY

YHUNVDPKHWHQ

E|U

KDUPRQLVHUDV Vn OnQJW VRP P|MOLJW (Q OLNDUWDG UHJOHULQJ DY DNW|UHUQD Sn

GHQ ILQDQVLHOOD PDUNQDGHQ E|U XSSQnV JHQRP DWW OlPSOLJD

RFK

lQGDPnOVHQOLJD DQSDVVQLQJDU J|UV VWHJYLV L GH

ODJDU VRP UHJOHUDU

opaginerad )|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW L I|UKnOODQGH WLOO UnGJLYQLQJVODJHQ Kontrollera mot PDF

UHVSHNWLYH DNW|U I|U DWW VlNHUVWlOOD DWW UHJOHUQD lU DQSDVVDGH WLOO GHQ QlULQJVUlWWVOLJD UHJOHULQJ VRP JlOOHU I|U GHQ YHUNVDPKHWHQ

'H Q\D UHJHOYHUN VRP QX I|OMHU DY I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RFK (XURSDSDUODPHQWHWV RFK UnGHWV GLUHNWLY (8 DY GHQ PDM RP PDUNQDGHU I|U ILQDQVLHOOD LQVWUXPHQW RFK RP lQGULQJ DY GLUHNWLY (* RFK DY GLUHNWLY (8 I|UNRUWDW 0L),' ,, LQQHElU L IOHUD DYVHHQGHQ HWW I|UVWlUNW NXQGVN\GG MlPI|UW PHG L GDJ , SURS 1\D UHJOHU RP PDUNQDGHU I|U ILQDQVLHOOD LQVWUXPHQW 0L),' ,, RFK 0L),5 VRP EHVOXWDGHV GHQ PDUV I|UHVOnV EO D HWW I|UEXG PRW HUVlWWQLQJ WLOO RFK IUnQ WUHGMHSDUW VRP E|U XWHVOXWD GHQ W\S DY HUVlWWQLQJDU VRP LQWH lU L NXQGHQV LQWUHVVH RFK GlUPHG EHJUlQVDV GH SUREOHP PHG LQWUHVVHNRQIOLNWHU VRP KDU I|UHNRPPLW Sn GHQ VYHQVND PDUNQDGHQ L VDPEDQG PHG EO D LQYHVWHULQJVUnGJLYQLQJ , SURSRVLWLRQHQ I|UHVOnV lYHQ HWW I|UEXG PRW DWW WD HPRW RFK EHKnOOD HUVlWWQLQJ IUnQ WUHGMH SDUW RP UnGJLYQLQJ VNHU Sn REHURHQGH JUXQG )|U DWW \WWHUOLJDUH VNlUSD NXQGVN\GGHW RFK PLQVND ULVNHQ I|U LQWUHVVHNRQIOLNWHU YLG UnGJLYQLQJ Sn REHURHQGH JUXQG I|UHVOnV GlUWLOO HWW I|UEXG PRW DWW OlPQD UnG RP ILQDQVLHOOD LQVWUXPHQW VRP lU SURGXFHUDGH DY LQVWLWXWHW HOOHU I|UHWDJ VRP LQVWLWXWHW KDU QlUD I|UELQGHOVHU PHG

, I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW ILQQV Q\D UHJOHU RP NXQGVN\GG RFK KDQWHULQJ DY LQWUHVVHNRQIOLNWHU VRP VND WLOOlPSDV YLG GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU RFK VRP L VWRUW VHWW lU OLNDO\GDQGH PHG PRWVYDUDQGH UHJOHU HQOLJW 0L),' ,, MIU DUWLNODUQD ± L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RFK DUWLNODUQD ± L 0L),' ,, 5HJOHUQD P|MOLJJ|U EO D HQ UHJOHULQJ DY WUHGMHSDUWVHUVlWWQLQJDU Sn PDUNQDGHQ I|U ILQDQVLHOO UnGJLYQLQJ RP I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU VRP OLNQDU GHQ I|U YlUGHSDSSHUVLQVWLWXWHQ HQOLJW 0L),' ,, 'HW |YHUJULSDQGH V\IWHW PHG GH Q\D UHJOHUQD L I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW lU DWW Vn OnQJW VRP P|MOLJW XSSQn OLNYlUGLJD NRQNXUUHQVI|UKnOODQGHQ RFK HWW OLNYlUGLJW NXQGVN\GG L IUnJD RP LQYHVWHULQJDU VRP J|UV GLUHNW L ILQDQVLHOOD LQVWUXPHQW MlPI|UW PHG LQYHVWHULQJDU L OLYI|UVlNULQJDU PHG VSDUDQGHPRPHQW GlU I|UVlNULQJV SUHPLHUQD NDQ SODFHUDV L ILQDQVLHOOD LQVWUXPHQW

%HVWlPPHOVHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RP \WWHUOLJDUH NUDY YLG GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU EHKDQGODV PHU XWI|UOLJW L DYVQLWW L SURPHPRULDQ

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW L I|UKnOODQGH WLOO UnGJLYQLQJVODJHQ

6RP QlPQV L I|UHJnHQGH DYVQLWW ILQQV L ODJHQ RP ILQDQVLHOO UnGJLYQLQJ WLOO NRQVXPHQWHU UnGJLYQLQJVODJHQ DOOPlQQD QlULQJVUlWWVOLJD UHJOHU RP ILQDQVLHOO UnGJLYQLQJ VRP HQ QlULQJVLGNDUH WLOOKDQGDKnOOHU HQ NRQVXPHQW 'H QlULQJVUlWWVOLJD EHVWlPPHOVHUQD DYVHU EO D NUDY Sn NRPSHWHQV KRV UnGJLYDUHQ RFK NUDY Sn GRNXPHQWDWLRQ DY UnGJLYQLQJVWLOOIlOOHW † 'HVVXWRP LQQHKnOOHU UnGJLYQLQJVODJHQ NYDOLWHWVNUDY L IRUP DY VN\OGLJKHW DWW LDNWWD JRG UnGJLYQLQJVVHG RPVRUJ RP NRQVXPHQWHQV LQWUHVVHQ LQGLYLGXHOO DQSDVVQLQJ DY UnGJLYQLQJHQ RFK DWW DYUnGD IUnQ ROlPSOLJD

SODFHULQJDU † /DJHQ LQQHKnOOHU GlUXW|YHU FLYLOUlWWVOLJD UHJOHU RP UlWW

opaginerad YlUGHSDSSHUVPDUNQDGVODJHQ )|UVlNULQJVI|UHWDJ RPIDWWDV LQWH DY Kontrollera mot PDF

WLOO VNDGHVWnQG UHNODPDWLRQ RFK SUHVNULSWLRQ 5nGJLYQLQJVODJHQV WLOOlPSQLQJVRPUnGH IUDPJnU DY GHVV LQOHGDQGH EHVWlPPHOVH L YLONHQ GHW DQJHV DWW GHQ JlOOHU ILQDQVLHOO UnGJLYQLQJ VRP HQ QlULQJVLGNDUH WLOOKDQGDKnOOHU HQ NRQVXPHQW RFK VRP RPIDWWDU SODFHULQJ DY NRQVXPHQWHQV WLOOJnQJDU L ILQDQVLHOOD LQVWUXPHQW HOOHU OLYI|UVlNULQJDU PHG VSDUPRPHQW , EHVWlPPHOVHQ DQJHV lYHQ DWW ODJHQ LQWH lU WLOOlPSOLJ QlU GHQ VRP XWI|U UnGJLYQLQJHQ HQEDUW I|URUGDU HQ DQQDQ SODFHULQJ lQ VRP QX VDJWV

8W|YHU UnGJLYQLQJVODJHQV EHVWlPPHOVHU ILQQV UHJOHU RP ILQDQVLHOO UnGJLYQLQJ IUDPI|U DOOW L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ RFK L I|UVlNULQJVI|UPHGOLQJVODJHQ (Q VlUVNLOG IUnJD VRP nWHUNRPPDQGH YDULW I|UHPnO I|U GLVNXVVLRQ lU KXU EHVWlPPHOVHUQD RP ILQDQVLHOO UnGJLYQLQJ L GH ROLND ODJDUQD I|UKnOOHU VLJ WLOO YDUDQGUD VH W H[ SURS V SURS V ± 628 V RFK ± VDPW 628 V ±

6HGDQ UnGJLYQLQJVODJHQ WUlGGH L NUDIW GHQ MXOL KDU WLOOlPSQLQJV RPUnGHW I|U ODJHQV QlULQJVUlWWVOLJD EHVWlPPHOVHU PLQVNDW WLOO I|OMG DY DWW ROLND (8 GLUHNWLY W H[ GLUHNWLY (* RP PDUNQDGHU I|U ILQDQVLHOOD LQVWUXPHQW >0L),' ,@ RFK I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW JHQRPI|UWV L VYHQVN UlWW *HQRP GLUHNWLYHQ KDU VlUVNLOGD RFK PHU GHWDOMHUDGH QlULQJVUlWWVOLJD EHVWlPPHOVHU RP UnGJLYQLQJ LQI|UWV I|U EO D I|UVlNULQJVI|UPHGODUH RFK YlUGHSDSSHUVLQVWLWXW )|U DWW XQGYLND GH PHVW W\GOLJD QRUPNRQIOLNWHUQD KDU GHW GlUI|U YDULW Q|GYlQGLJW DWW IUnQ WLOOlPSQLQJVRPUnGHW I|U UnGJLYQLQJVODJHQV QlULQJVUlWWVOLJD EHVWlPPHOVHU XQGDQWD GHQ ILQDQVLHOOD UnGJLYQLQJ VRP GULYV DY W H[ I|UVlNULQJV I|UPHGODUH , D † UnGJLYQLQJVODJHQ VWDGJDV GlUI|U EO D DWW EHVWlPPHOV HUQD L RFK †† LQWH JlOOHU I|U ILQDQVLHOO UnGJLYQLQJ VRP WLOOKDQGDKnOOV DY I|UVlNULQJVI|UPHGODUH HQOLJW NDS † I|UVWD VW\FNHW I|UVlNULQJV I|UPHGOLQJVODJHQ OLNQDQGH XQGDQWDJ JlOOHU lYHQ I|U IRQGERODJ YlUGHSDSSHUVLQVWLWXW XWOlQGVND YlUGHSDSSHUVI|UHWDJ RFK $,) I|UYDOWDUH , GHQ UnGJLYQLQJVYHUNVDPKHWHQ KDU I|UVlNULQJVPHGODUH L VWlOOHW DWW I|OMD EHVWlPPHOVHUQD L RFK NDS ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ UnGJLYQLQJVODJHQV VNDGHVWnQGVUlWWVOLJD UHJOHU JlOOHU GRFN lYHQ YLG GHQQD W\S DY UnGJLYQLQJ HIWHUVRP ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ VDNQDU PRWVYDUDQGH VNDGHVWnQGVEHVWlPPHOVHU

, I|UVlNULQJVI|UPHGOLQJVODJHQ ILQQV EnGH QlULQJVUlWWVOLJD UHJOHU RFK FLYLOUlWWVOLJD VNDGHVWnQGVUHJOHU I|U I|UVlNULQJVI|UPHGODUH PHG DYVHHQGH Sn YHUNVDPKHW VRP EHGULYV HQOLJW GHQ ODJHQ , VDN PRWVYDUDU GH QlULQJVUlWWVOLJD EHVWlPPHOVHUQD KHOW GH EHVWlPPHOVHU L UnGJLYQLQJVODJHQ VRP UHGRYLVDV RYDQ , YLVVD DYVHHQGHQ XSSVWlOOHU I|UVlNULQJVI|UPHG OLQJVODJHQ VWUlQJDUH NUDY lQ UnGJLYQLQJVODJHQ W H[ EHWUlIIDQGH NUDYHW Sn GRNXPHQWDWLRQ %HVWlPPHOVHUQD RP VNDGHVWnQG UHNODPDWLRQ RFK SUHVNULSWLRQ KDU XWIRUPDWV PHG PRWVYDUDQGH EHVWlPPHOVHU L UnGJLYQLQJV ODJHQ VRP I|UHELOG SURS V ±

)|U DWW UnGJLYQLQJVODJHQ VND YDUD WLOOlPSOLJ L I|UVlNULQJVI|UPHGODUHV YHUNVDPKHW NUlYV DWW GHW lU IUnJD RP DQQDQ UnGJLYQLQJ lQ VnGDQ VRP JHV LQRP UDPHQ I|U I|UVlNULQJVI|UPHGOLQJVODJHQV RPUnGH (WW VnGDQW lU DOORNHULQJVUnGJLYQLQJ , |YULJW WRUGH UnGJLYQLQJ HQGDVW WLOOKDQGDKnOODV PHG VW|G DY I|UVlNULQJVI|UPHGOLQJVODJHQ HOOHU L GH IDOO I|UPHGODUHQ KDU

VLGRWLOOVWnQG WLOO LQYHVWHULQJVUnGJLYQLQJ DYVHHQGH YlUGHSDSSHUVIRQGHU

YlUGHSDSSHUVPDUNQDGVODJHQ )|UVlNULQJVI|UHWDJ RPIDWWDV LQWH DY

opaginerad U\PV LQRP UDPHQ I|U GHQQD SURPHPRULD Kontrollera mot PDF

I|UVlNULQJVI|UPHGOLQJVODJHQ )|UHWDJHQ RPIDWWDV GlUHPRW DY UnG JLYQLQJVODJHQ L GHVV KHOKHW QlU GH WLOOKDQGDKnOOHU UnGJLYQLQJ HQEDUW RP HJQD IRQGHU UHVSHNWLYH HJQD OLY I|UVlNULQJDU bYHQ L GH IDOO I|UVlNULQJVI|UHWDJ WLOOKDQGDKnOOHU DOORNHULQJVUnGJLYQLQJ WRUGH GH RPIDWWDV DY UnGJLYQLQJVODJHQV EHVWlPPHOVHU 628 V ± 1lU I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RFK 0L),' ,, QX JHQRPI|UV L VYHQVN UlWW DNWXDOLVHUDV Sn Q\WW IUnJDQ RP UnGJLYQLQJVODJHQV WLOOlPSQLQJVRPUnGH RFK GHVV UHOHYDQV L I|UKnOODQGH WLOO |YULJ ODJVWLIWQLQJ Sn I|UVlNULQJV RFK YlUGHSDSSHUVRPUnGHW 7LOO VNLOOQDG IUnQ GHW QX JlOODQGH I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW RPIDWWDU I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW L VWRUW VHWW DOO GLVWULEXWLRQ DY I|UVlNULQJVSURGXNWHU 'HQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ VRP I|UHVOnV L GHQQD SURPHPRULD RPIDWWDU VnOHGHV lYHQ I|UVlNULQJVI|UHWDJHQV GLVWULEXWLRQ DY I|UVlNULQJ )|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW LQQHKnOOHU GHVVXWRP WLOO VNLOOQDG IUnQ I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW HQ GHILQLWLRQ DY UnGJLYQLQJ 0HG UnGJLYQLQJ DYVHV L GLUHNWLYHW WLOOKDQGDKnOODQGH DY UHNRPPHQGDWLRQ WLOO HQ NXQG DQWLQJHQ Sn GHQQHV EHJlUDQ HOOHU Sn LQLWLDWLY DY HWW I|UVlNULQJVI|UHWDJ HOOHU HQ I|UVlNULQJVI|UPHGODUH DUWLNHO 5HGDQ DY GHVVD VNlO VWnU GHW NODUW DWW JHQRPI|UDQGHW DY I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW \WWHUOLJDUH NRPPHU DWW PLQVND WLOOlPSQLQJV RPUnGHW I|U UnGJLYQLQJVODJHQV EHVWlPPHOVHU Sn I|UVlNULQJVRPUnGHW 'HW NDQ YLGDUH NRQVWDWHUDV DWW JHQRPI|UDQGHW DY 0L),' ,, Sn OLNQDQGH VlWW NRPPHU DWW PLQVND UHOHYDQVHQ DY UnGJLYQLQJVODJHQV EHVWlPPHOVHU Sn YlUGHSDSSHUVRPUnGHW , SURSRVLWLRQHQ RP JHQRPI|UDQGH DY 0L),' ,, I|UHVOnV W H[ DWW XQGDQWDJHW L UnGJLYQLQJVODJHQ I|U IRQGERODJ RFK $,) I|UYDOWDUH XWYLGJDV WLOO DWW RPIDWWD lYHQ UnGJLYQLQJ VRP XWI|UV LQRP UDPHQ I|U IRQGYHUNVDPKHWHQ (QOLJW SURPHPRULDQV EHG|PQLQJ NDQ HPHOOHUWLG LQWH XWHVOXWDV DWW GHW lYHQ HIWHU JHQRPI|UDQGHW DY GHVVD GLUHNWLY NRPPHU DWW ILQQDV DNW|UHU HOOHU WMlQVWHU Sn UnGJLYQLQJV PDUNQDGHQ VRP IDOOHU XWDQI|U GLUHNWLYHQV WLOOlPSQLQJVRPUnGHQ RFK GlU UnGJLYQLQJVODJHQV EHVWlPPHOVHU VNXOOH NXQQD I\OOD HQ YLNWLJ IXQNWLRQ 6DPPDQIDWWQLQJVYLV NDQ NRQVWDWHUDV DWW GHW IRUWIDUDQGH ILQQV DQOHGQLQJ DWW DQDO\VHUD IUnJDQ RP KXUXYLGD UnGJLYQLQJVODJHQ I\OOHU QnJRQ IDNWLVN IXQNWLRQ L I|UKnOODQGH WLOO |YULJ ODJVWLIWQLQJ JlOODQGH ILQDQVLHOO UnG JLYQLQJ (Q VnGDQ IXOOVWlQGLJ DQDO\V NUlYHU GRFN |YHUYlJDQGHQ VRP LQWH

U\PV LQRP UDPHQ I|U GHQQD SURPHPRULD

.RUW PDUNQDGVEHVNULYQLQJ

Försäkringsföretagens försäkringsdistribution

(QOLJW )LQDQVLQVSHNWLRQHQV I|UHWDJVUHJLVWHU DSULO ILQQV GHW L 6YHULJH ULNVWlFNDQGH I|UVlNULQJVI|UHWDJ YDUDY lU IRQGI|UVlNULQJV I|UHWDJ |YULJD OLYI|UVlNULQJVI|UHWDJ RFK VNDGHI|UVlNULQJVI|UHWDJ 'lUWLOO ILQQV GHW VW|UUH ORNDOD I|UVlNULQJVI|UHWDJ RFK PLQGUH ORNDOD I|UVlNULQJVI|UHWDJ , 6YHULJH ILQQV RFNVn XWOlQGVND I|UVlNULQJVI|UHWDJ ILOLDOHU RFK DJHQWXUHU UHJLVWUHUDGH

(QOLJW )LQDQVLQVSHNWLRQHQV I|UHWDJVUHJLVWHU ILQQV GHW lYHQ XWOlQG VND VNDGHI|UVlNULQJVI|UHWDJ PHG JUlQV|YHUVNULGDQGH YHUNVDPKHW RFK

opaginerad Antal försäkringsförmedlare och andra bolag med tillstånd för försäkringsförmedling Kontrollera mot PDF

XWOlQGVND OLYI|UVlNULQJVI|UHWDJ PHG JUlQV|YHUVNULGDQGH YHUNVDPKHW 'lUWLOO ILQQV GHW HQ XWOlQGVN JHQHUDOUHSUHVHQWDWLRQ

0DUNQDGHQ lU NRQFHQWUHUDG WLOO QnJUD VW|UUH ERODJ RFK ERODJVJUXSSHU ,QRP VNDGHI|UVlNULQJ KDU GH IHP VW|UVWD I|UVlNULQJVI|UHWDJHQ NRQFHUQ HUQD SURFHQW DY PDUNQDGHQ ,QRP OLYI|UVlNULQJ KDU GH IHP VW|UVWD I|UVlNULQJVI|UHWDJHQ NRQFHUQHUQD SURFHQW DY PDUNQDGHQ

, 6YHULJH GLVWULEXHUDV OLYI|UVlNULQJDU IUlPVW YLD I|UVlNULQJVI|UPHGODUH RFK V N YDOFHQWUDOHU IUlPVW NROOHNWLYDYWDODG WMlQVWHSHQVLRQ (QOLJW EUDQVFKRUJDQLVDWLRQHQ 6YHQVN )|UVlNULQJ I|UPHGODGH nU I|UVlNULQJVI|UPHGODUH SURFHQW DY GH WRWDOD OLYI|UVlNULQJVSUHPLHUQD PHGDQ YDOFHQWUDOHUQD VWRG I|U SURFHQW 'LUHNWI|UVlOMQLQJHQ XWDQ PHOODQKlQGHU XSSJLFN WLOO SURFHQW %DQNHU RFK ILQDQVLHOOD LQVWLWXWLRQHU VWRG I|U SURFHQW VDPW |YULJD GLVWULEXWLRQVNDQDOHU I|U SURFHQW (QOLJW 6YHQVN )|UVlNULQJ KDU GHW LQWH VNHWW QnJUD VW|UUH I|UlQGULQJDU YDG JlOOHU I|UGHOQLQJHQ PHOODQ ROLND GLVWULEXWLRQVNDQDOHU XQGHU GH VHQDVWH nUHQ

+XU I|UVlNULQJVI|UHWDJHQ YlOMHU DWW GLVWULEXHUD I|UHWDJHWV I|UVlNULQJDU lU HWW EHVOXW VRP RIWD JUXQGDU VLJ Sn EHG|PQLQJ RP YLONHQ PRGHOO VRP lU PHVW O|QVDP RFK HIIHNWLY I|U I|UVlNULQJVI|UHWDJHW )DNWRUHU VRP NDQ SnYHUND YDOHW DY GLVWULEXWLRQVPRGHOO lU W H[ I|UVlNULQJVI|UHWDJHWV JHRJUDILVND HWDEOHULQJ RP I|UVlNULQJVI|UHWDJHW lU Q\ELOGDW HOOHU LQWH YLONHQ W\S DY I|UVlNULQJ VRP VND GLVWULEXHUDV VDPW KXU YLNWLJW GHW lU I|U I|UVlNULQJVI|UHWDJHW DWW KD HQ HJHQ UHODWLRQ PHG I|UVlNULQJVWDJDUQD DYVHHQGH GHQ I|UVlNULQJ VRP VND GLVWULEXHUDV

, GH IOHVWD I|UVlNULQJVI|UHWDJ ILQQV GHW DQVWlOOGD VRP DQVYDUDU I|U ROLND GHODU L I|UHWDJHWV GLVWULEXWLRQVYHUNVDPKHW 'HW lU HPHOOHUWLG YDQOLJW DWW I|UHWDJHQV GLVWULEXWLRQ VNHU JHQRP DQNQXWQD I|UVlNULQJVI|UPHGODUH VRP LQWH lU DQVWlOOGD DY I|UVlNULQJVI|UHWDJHW 'lUWLOO NDQ I|UVlNULQJVI|UHWDJHW LQJn |YHUHQVNRPPHOVH PHG I|UVlNULQJVI|UPHGODUH VRP KDU WLOOVWnQG DWW I|UPHGOD I|UVlNULQJ RP DWW I|UPHGOD I|UHWDJHWV I|UVlNULQJDU

Antal försäkringsförmedlare och andra bolag med tillstånd för försäkringsförmedling

(QOLJW )LQDQVLQVSHNWLRQHQV I|UHWDJVUHJLVWHU DSULO ILQQV GHW I|UHWDJ L 6YHULJH VRP KDU I|UVlNULQJVI|UPHGOLQJ VRP VLQ KXYXGYHUN VDPKHW 'lUWLOO ILQQV GHW HWW VWRUW DQWDO I|UHWDJ VRP EHGULYHU I|UVlNULQJV I|UPHGOLQJ PHQ VRP KDU DQQDQ KXYXGYHUNVDPKHW VnVRP EDQN DNWLHERODJ NRQVXPHQWNUHGLWLQVWLWXW NUHGLWPDUNQDGVERODJ VSDU EDQNHU VYHQVND EDQNDNWLHERODJ PHG XWOlQGVN ILOLDO RFK VYHQVND NUHGLWPDUNQDGVERODJ PHG XWOlQGVN ILOLDO 'lUWLOO ILQQV XWOlQGVND EDQNHU XWOlQGVNW OLYI|UVlNULQJVI|UHWDJ XWOlQGVND VNDGHI|UVlNULQJV I|UHWDJ RFK XWOlQGVND I|UVlNULQJVI|UPHGODUH PHG JUlQV|YHUVNULGDQGH YHUNVDPKHW VRP LQNOXGHUDU I|UVlNULQJVI|UPHGOLQJ

(QOLJW )LQDQVLQVSHNWLRQHQ IDQQV GHW QlVWDQ OLND PnQJD MXULGLVND VRP I\VLVND SHUVRQHU PHG WLOOVWnQG I|U I|UVlNULQJVI|UPHGOLQJ 9DQOLJDVW lU DWW I|UVlNULQJVI|UPHGODUH KDU WLOOVWnQG DWW I|UPHGOD EnGH OLY RFK VNDGHI|UVlNULQJ I\VLVND UHVSHNWLYH MXULGLVND SHUVRQHU QlVW YDQOLJDVW lU WLOOVWnQG DWW I|UPHGOD VNDGHI|UVlNULQJ I\VLVND SHUVRQHU UHVSHNWLYH MXULGLVND SHUVRQHU I|OMW DY WLOOVWnQG DWW I|UPHGOD OLYI|UVlNULQJ I\VLVND SHUVRQHU UHVSHNWLYH MXULGLVND SHUVRQHU

opaginerad Antal anställda Kontrollera mot PDF

(Q I\VLVN HOOHU MXULGLVN SHUVRQ VRP KDU WLOOVWnQG IUnQ )LQDQVLQVSHNWLRQHQ DWW I|UPHGOD I|UVlNULQJDU RFK VRP lU UHJLVWUHUDG KRV %RODJVYHUNHW NDQ DUEHWD GLUHNW I|U HWW I|UVlNULQJVERODJ HOOHU ELWUlGD HQ DQQDQ I|UVlNULQJVI|UPHGODUH (Q VlUVNLOG JUXSS DY I|UPHGODUH lU VnGDQD VRP XW|YDU I|UVlNULQJVI|UPHGOLQJ YLG VLGDQ DY VLQ KXYXGVDNOLJD \UNHVYHUNVDPKHW W H[ UHVHE\UnHU ELOKDQGODUH UDGLRKDQGODUH P IO 'HVVD NDQ WUlIID DYWDO PHG HWW HOOHU IOHUD I|UVlNULQJVI|UHWDJ RP DWW I|UPHGOD I|UVlNULQJVSURGXNWHU RP GHVVD SURGXNWHU XWJ|U HWW NRPSOHPHQW WLOO YDURU VRP OHYHUHUD HOOHU WMlQVWHU VRP WLOOKDQGDKnOOV LQRP UDPHQ I|U GHQQD KXYXGVDNOLJD \UNHVYHUNVDPKHW RFK DYWDOHW LQQHElU DWW I|UVlNULQJV I|UHWDJHW lU DQVYDULJW I|U UHQ I|UP|JHQKHWVVNDGD VRP NDQ VNH WLOO I|OMG DY I|UPHGOLQJHQ

(Q NXQG NDQ L VLQ WXU YlOMD DWW VN|WD VLQD NRQWDNWHU PHG I|UVlNULQJV ERODJHW Sn HJHQ KDQG HOOHU DWW XSSGUD nW HQ I|UVlNULQJVI|UPHGODUH DWW VN|WD W H[ XSSKDQGOLQJHQ DY HQ I|UVlNULQJ (WW H[HPSHO Sn GHW VLVWQlPQGD IDOOHW NDQ YDUD HWW I|UHWDJ VRP DQOLWDU HQ I|UVlNULQJV I|UPHGODUH I|U DWW XSSKDQGOD YLOONRU RFK I|UHVOn I|UVlNULQJVDYWDO I|U GH DQVWlOOGDV WMlQVWHSHQVLRQ

(Q I|UVlNULQJVI|UPHGODUH lU DOOWVn HQ IRUP DY PHOODQPDQ VRP NDQ KD VnYlO I|UVlNULQJVJLYDUH VRP I|UVlNULQJVWDJDUH VRP XSSGUDJVJLYDUH

Antal anställda

(Q I|UVlNULQJVI|UPHGODUH VND DQPlOD VLQD DQVWlOOGD I|UVlNULQJV I|UPHGODUH WLOO )LQDQVLQVSHNWLRQHQ , LQVSHNWLRQHQV LQVWLWXWVUHJLVWHU XSSJnU DQWDOHW DQVWlOOGD WLOO 'lUWLOO ILQQV DQVWlOOGD KRV HQ DY GH VW|UVWD EDQNHUQD VRP lYHQ KDU HWW I|UVlNULQJVI|UPHGOLQJVWLOOVWnQG 'HQQD EDQNV DQVWlOOGD XSSJnU WLOO XQJHIlU OLND PnQJD VRP GHW VDPPDQODJGD DQWDOHW DQVWlOOGD KRV |YULJD I|UVlNULQJVI|UPHGODUH gYULJD VWRUEDQNHU lU L VWlOOHW DQNQXWQD I|UVlNULQJVI|UPHGODUH WLOO VLQD NRQFHUQLQWHUQD I|UVlNULQJVERODJ VDPW L I|UHNRPPDQGH IDOO WLOO DQGUD ERODJ

, DQWDOHW DQVWlOOGD LQJnU RFNVn DQVWlOOGD I|UVlNULQJVI|UPHGODUH KRV ERODJ VRP LQWH SULPlUW lU I|UVlNULQJVI|UPHGODUH (QOLJW HQ JHQRPJnQJ VRP )LQDQVLQVSHNWLRQHQ JMRUGH DY I|UPHGODUH PHG WLOOVWnQG DWW I|UPHGOD OLYI|UVlNULQJ YDU GHW JHQRPVQLWWOLJD DQWDOHW DQVWlOOGD KRV OLYI|UVlNULQJVI|UPHGODUH FLUND I\UD DQVWlOOGD PHGDQ PHGLDQHQ YDU HQ DQVWlOOG cWPLQVWRQH KlOIWHQ DY OLYI|UPHGODUQD H[NOXVLYH I\VLVND SHUVRQHU PHG WLOOVWnQG I|U I|UVlNULQJVI|UPHGOLQJ KDU HQGDVW HQ DQVWlOOG 'HW K|JUH JHQRPVQLWWHW I|UNODUDV PHG HWW InWDO VW|UUH DNW|UHU PHG PnQJD DQVWlOOGD

Anknutna försäkringsförmedlare

'HW ILQQV WYn NDWHJRULHU DQNQXWQD I|UVlNULQJVI|UPHGODUH 'HQ HQD NDWHJRULQ lU HQ SHUVRQ I\VLVN HOOHU MXULGLVN VRP I|UPHGODU I|UVlNULQJV SURGXNWHU IUnQ EDUD HWW I|UVlNULQJVI|UHWDJ HOOHU IUnQ IOHUD I|UVlNULQJV I|UHWDJ RP SURGXNWHUQD LQWH NRQNXUUHUDU PHG YDUDQGUD 'HQ DQGUD NDWH JRULQ lU HQ SHUVRQ I\VLVN HOOHU MXULGLVN VRP I|UPHGODU NRQNXUUHUDQGH I|UVlNULQJVSURGXNWHU YLG VLGDQ DY HQ DQQDQ KXYXGVDNOLJ \UNHVYHUNVDPKHW RP I|UVlNULQJDUQD lU HWW NRPSOHPHQW WLOO YDURU HOOHU WMlQVWHU VRP I|UPHGODUHQ WLOOKDQGDKnOOHU L VLQ KXYXGVDNOLJD \UNHVYHUNVDPKHW

opaginerad Antal anknutna försäkringsförmedlare Kontrollera mot PDF

(Q DQNQXWHQ I|UVlNULQJVI|UPHGODUH EHK|YHU LQWH V|ND WLOOVWnQG KRV

)LQDQVLQVSHNWLRQHQ , VWlOOHW VND GHW I|UVlNULQJVI|UHWDJ VRP I|UPHGODUHQ lU DQNQXWHQ WLOO DQPlOD GHQQH I|U UHJLVWUHULQJ KRV %RODJVYHUNHW ,QQDQ DQPlODQ InU VNH VND I|UVlNULQJVI|UHWDJHW NRQWUROOHUD DWW I|UPHGODUHQ XSSI\OOHU GH NUDY VRP JlOOHU I|U WLOOVWnQG (Q DQNQXWHQ I|UVlNULQJV I|UPHGODUH EHK|YHU GRFN LQWH KD QnJRQ DQVYDUVI|UVlNULQJ HIWHUVRP I|UVlNULQJVI|UHWDJHW KDU WDJLW Sn VLJ VNDGHVWnQGVDQVYDUHW I|U GHQQH

Antal anknutna försäkringsförmedlare

(QOLJW )LQDQVLQVSHNWLRQHQ IDQQV GHW WRWDOW DQNQXWQD

I|UPHGODUH WLOO HWW HOOHU IOHUD I|UVlNULQJVI|UHWDJ 0DMRULWHWHQ DY GHVVD

I|UPHGODU VNDGHI|UVlNULQJDU VW\FNHQ $Y I|UPHGODUHQD YDU

DQNQXWQD WLOO HQGDVW VYHQVND I|UVlNULQJVERODJ PHGDQ DY I|UPHGODUQD

YDU DQNQXWQD WLOO DQWLQJHQ HQEDUW HOOHU RFNVn XWOlQGVND ERODJ

Ersättningsformer

(UVlWWQLQJVIRUPHUQD XWYHFNODV |YHU WLG RFK EHURU Sn YLONHQ I|UVlNULQJ GHW lU VRP I|UPHGODV 1HGDQ UHGRJ|UV I|U WUH YDQOLJD ILQDQVLHULQJVPRGHOOHU Sn PDUNQDGHQ

x )|UVlNULQJVI|UPHGODUHQ InU EHWDOW DY I|UVlNULQJVI|UHWDJHW JHQRP ROLND IRUPHU DY provision.

x .XQGHQ I|UHWDJHW InU EHWDOW DY I|UVlNULQJVI|UHWDJHQ RFK I|UVlNULQJVI|UPHGODUHQ IDNWXUHUDU I|U VLQD WMlQVWHU WLOO HWW NOLHQWPHGHOVNRQWR VRP lJV DY I|UHWDJHW

x )|UPHGODUHQ WDU EHWDOW GLUHNW DY NXQGHQ L IRUP DY arvode (QOLJW )LQDQVLQVSHNWLRQHQV UDSSRUW /LYERODJHQV SURYLVLRQHU WLOO I|UVlNULQJVPlNODUH LQJnU RIWD I|OMDQGH HOHPHQW L I|UVlNULQJV ERODJHQV SURYLVLRQVVWUXNWXU

x 1\WHFNQLQJVHUVlWWQLQJ I|U DYWDO PHG O|SDQGH SUHPLHU x 1\WHFNQLQJVHUVlWWQLQJ I|U DYWDO PHG HQJnQJVSUHPLH x %HVWnQGVYnUGVHUVlWWQLQJ

x 6WRFNHUVlWWQLQJ

x 2IIHUW RFK UHJLVWUHULQJVHUVlWWQLQJ x ([WUDSURYLVLRQHU

3URYLVLRQHQ EDVHUDV Sn HWW SURYLVLRQVXQGHUODJ GYV GHW EHORSS VRP SURYLVLRQVVDWVHQ WLOOlPSDV Sn 3URYLVLRQVXQGHUODJHW XWJ|UV RIWDVW DY DYWDODG nUVSUHPLH I|U O|SDQGH DYWDO LQEHWDOG HQJnQJVSUHPLH HOOHU GHW I|UYDOWDGH NDSLWDOHW 3URYLVLRQVXQGHUODJHW NDQ RFNVn EHUlNQDV VRP HQ SURGXNW DY SUHPLHQ RFK SUHPLHEHWDOQLQJVWLGHQ (UVlWWQLQJHQ WLOO I|UPHGODUHQ HUKnOOV JHQRP DWW SURYLVLRQVXQGHUODJHW PXOWLSOLFHUDV PHG SURYLVLRQVVDWVHQ

)|U DYWDO PHG O|SDQGH SUHPLH I|UHNRPPHU I|UVNRWWVHUVlWWQLQJ V N XS IURQWSURYLVLRQ PHQ lYHQ MlPQ SURYLVLRQ HOOHU V N WUDSSD I|UHNRPPHU 8S IURQWSURYLVLRQ LQQHElU DWW Q\WHFNQLQJVHUVlWWQLQJ EHWDODV DY I|UVlNULQJVI|UHWDJHW WLOO I|UPHGODUHQ VRP HWW HQJnQJVEHORSS YLG I|UVlNULQJHQV WHFNQDQGH -lPQ SURYLVLRQ LQQHElU DWW Q\WHFNQLQJV HUVlWWQLQJ I|UGHODV XW PHG HWW OLND VWRUW nUOLJW EHORSS XQGHU IOHUD nU 1\WHFNQLQJVHUVlWWQLQJ NDQ RFNVn EHWDODV HQOLJW HQ WUDSSD PHG ROLND

EHORSS I|U YDUMH nU

opaginerad Samarbetsorganisationer Kontrollera mot PDF

Samarbetsorganisationer

)OHUD DY I|UVlNULQJVI|UPHGODUQD WLOOK|U QnJRQ DY GH WUH VW|UUH IRUPDOLVHUDGH VDPDUEHWVRUJDQLVDWLRQHUQD VRP ILQQV Sn PDUNQDGHQ

6\IWHW PHG VDPDUEHWVRUJDQLVDWLRQHUQD lU L KXYXGVDN DWW XSSQn VWRU GULIWVI|UGHODU JHQRP DWW VDPDUEHWD NULQJ IXQNWLRQHU VRP U|U H[HPSHOYLV GLJLWDOD V\VWHP PDUNQDGV RFK UHJHODQDO\V RFK I|UKDQGOLQJDU

Branschorganisationer

)|UVlNULQJVI|UHWDJHQV EUDQVFKRUJDQLVDWLRQ EHQlPQV 6YHQVN )|UVlNULQJ 'HQ KDU HWW WDO I|UVlNULQJVI|UHWDJ VRP PHGOHPPDU YLOND WLOOVDPPDQV VYDUDU PHU lQ SURFHQW DY GHQ VYHQVND I|UVlNULQJVPDUNQDGHQ

6YHQVN )|UVlNULQJ DUEHWDU I|U PRGHUQD RFK NRQNXUUHQVNUDIWLJD VSHOUHJOHU I|U I|UVlNULQJVEUDQVFKHQ 6YHQVN )|UVlNULQJ DUEHWDU RFNVn PHG DWW |ND NlQQHGRPHQ RP SULYDWD I|UVlNULQJDUV EHW\GHOVH RFK RP GH SULQFLSHU VRP I|UVlNULQJDU E\JJHU Sn

'lUWLOO ILQQV 6YHQVND )|UVlNULQJVI|UHQLQJHQ 6)) VRP lU HQ LGHHOO I|UHQLQJ I|U PHGOHPPDU VRP lU LQWUHVVHUDGH DY I|UVlNULQJV YHUNVDPKHWHQV ROLND RPUnGHQ )|UHQLQJHQ KDU WLOO V\IWH DWW YHUND I|U HQ VXQG RFK lQGDPnOVHQOLJ XWYHFNOLQJ DY I|UVlNULQJVEUDQVFKHQ 6YHQVND )|UVlNULQJVI|UHQLQJHQ KDU HWW GRWWHUERODJ .16 6HUYLFH $% 'RWWHU ERODJHW DQVYDUDU EODQG DQQDW I|U XWELOGQLQJVYHUNVDPKHWHQ RFK IRUVDNULQJVMREE VH

'HQ VW|UVWD EUDQVFKRUJDQLVDWLRQHQ I|U I|UVlNULQJVI|UPHGODUH KHWHU 6YHQVND I|UVlNULQJVI|UPHGODUHV I|UHQLQJ 6IP )|UHQLQJHQ JUXQGDGHV )|UHQLQJHQ V\IWDU EO D WLOO DWW XQGHUOlWWD I|U VLQD PHGOHPPDU DWW KnOOD VLJ XSSGDWHUDGH RP Q\D UHJOHU NRPSHWHQVXWYHFNOLQJ NRRUGLQHUD GLDORJ PHG P\QGLJKHWHU RFK DQGUD LQWUHVVHQWHU

cU ELOGDGH 6IP ,QVXUH6HF $% VRP lU HWW LQVWLWXW I|U VMlOYUHJOHULQJ )|UVlNULQJVI|UPHGODUQDV VMlOYUHJOHULQJ V\IWDU WLOO DWW NRPSOHWWHUD ODJDU RFK I|UHVNULIWHU VDPW WLOOV\Q DY I|UVlNULQJVI|UPHGOLQJ 'HWWD VNHU L KXYXGVDN JHQRP ,QVXUH6HFV YHUNVDPKHW VRP lU DWW LQJn DYWDO PHG I|UPHGODUH RP UHJHOHIWHUOHYQDG OLFHQVLHUD UHJLVWUHUDGH I|UPHGODUH HIWHU NRQWUROO DY OlPSOLJKHW RFK NXQVNDSHU VDPW HJHQ NRQWUROO DY UHJHOHIWHUOHYQDG KRV GH I|UPHGODUH VRP LQJnWW DYWDO PHG ,QVXUH6HF 'HW lU GRFN HQGDVW I\VLVND SHUVRQHU RP InWW WLOOVWnQG DY )LQDQV LQVSHNWLRQHQ DWW EHGULYD I|UVlNULQJVI|UPHGOLQJ VRP NDQ UHJLVWUHUDV RFK OLFHQVLHUDV YLD ,QVXUH6HF

)|U DWW YHUNVWlOOD VMlOYUHJOHULQJHQ ILQQV lYHQ HQ IULVWnHQGH GLVFLSOLQ QlPQG 'LVFLSOLQQlPQGHQ JHU EO D XWWDODQGH RP JRG I|UVlNULQJV I|UPHGOLQJVVHG RFK J|U EHG|PQLQJDU RP HQ UHJLVWUHUDG I|UPHGODUH KDU EUXWLW PRW ,QVXUH6HFV UHJHOYHUN 'lUWLOO NDQ GLVFLSOLQQlPQGHQ IDWWD EHVOXW RP GLVFLSOLQnWJlUG VnVRP DQPlUNQLQJ YDUQLQJ RFK XWHVOXWQLQJ IUnQ ,QVXUH6HF

Skadeförsäkring och livförsäkring

(Q I|UVlNULQJVI|UHPHGODUH NDQ VRP QlPQV RYDQ DQV|ND RP WLOOVWnQG KRV )LQDQVLQVSHNWLRQHQ I|U DWW I|UPHGOD DOOD I|UVlNULQJVNODVVHU LQRP HWW I|UVlNULQJVVODJ GYV VNDGHI|UVlNULQJ HOOHU OLYI|UVlNULQJ $QV|NDQ NDQ RFNVn EHJUlQVDV WLOO YLVVD I|UVlNULQJVNODVVHU HOOHU JUXSSHU DY

I|UVlNULQJVNODVVHU

opaginerad (Q VNDGHI|UVlNULQJ HUVlWWHU VNDGRU Sn HJHQGRP RFK EHWDODU VNDGHVWnQG Kontrollera mot PDF

(Q VNDGHI|UVlNULQJ HUVlWWHU VNDGRU Sn HJHQGRP RFK EHWDODU VNDGHVWnQG

WLOO WUHGMH PDQ bYHQ VMXN RFK RO\FNVIDOOVI|UVlNULQJ NODVVLILFHUDV QRUPDOW VRP VNDGHI|UVlNULQJ 'RFN LQWH V N OnQJ VMXN RFK RO\FNVIDOOVI|UVlNULQJ HQOLJW NDS † ,9 I|UVlNULQJVU|UHOVHODJHQ VRP NODVVLILFHUDV VRP OLYI|UVlNULQJ (Q VNDGHI|UVlNULQJ O|SHU RIWDVW Sn HWW nU 'lUHIWHU PnVWH I|UVlNULQJHQ I|UQ\DV

(Q OLYI|UVlNULQJ NDQ YDUD EnGH HQ UHQ I|UVlNULQJVSURGXNW RFK HQ VSDUSURGXNW , HQ OLYI|UVlNULQJ XWJ|UV ULVNHQ L KXYXGVDN DY G|GVIDOOVULVN HOOHU OLYVIDOOVULVN ,QRP OLYI|UVlNULQJ ILQQV DOOD JUDGHU DY LFNH ILQDQVLHOO ULVNWlFNQLQJ , GHQ HQD lQGHQ DY VNDODQ ILQQV UHQD ULVNI|UVlNULQJDU KHOW XWDQ LQVODJ DY VSDUDQGH GlU NXQGHQ EHWDODU I|U DWW HIWHUOHYDQGH VND In XW HWW HQJnQJVEHORSS YLG G|GVIDOO 'HVVD I|UVlNULQJDU KDU SURFHQW I|UVlNULQJVULVN RFK WlFNHU L QRUPDOIDOOHW HWW nU L WDJHW

, GHQ DQGUD lQGHQ DY VNDODQ ILQQV HQ SURGXNW PHG G|GVIDOOVULVN GlU GHQ I|UVlNUDGHV HIWHUOHYDQGH InU SURFHQW DY VSDUDW NDSLWDO YLG G|GVIDOO ,QRP OLYI|UVlNULQJVRPUnGHW ILQQV lYHQ I|UVlNULQJDU PHG OLYVIDOOVULVN GYV I|UVlNULQJDU GlU GHQ I|UVlNUDGH JDUDQWHUDV XWEHWDOQLQJDU HQGDVW RP KDQ KRQ OHYHU YLG HQ YLVV WLGSXQNW

Återförsäkring

cWHUI|UVlNULQJ lU HQNHOW XWWU\FNW HQ I|UVlNULQJ I|U I|UVlNULQJVI|UHWDJ *HQRP nWHUI|UVlNULQJ PLQVNDU HWW I|UVlNULQJVI|UHWDJ VLQ ULVN I|U I|UOXVW JHQRP DWW ULVNHQ GHODV DY \WWHUOLJDUH HWW HOOHU IOHUD I|UVlNULQJVI|UHWDJ cWHUI|UVlNULQJ NDQ VNH Sn IOHUD VlWW (WW I|UVlNULQJVI|UHWDJ NDQ H[HPSHOYLV |YHUI|UD HQ GHO DY HQ VlUVNLOW VWRU ULVN WLOO HWW nWHUI|UVlNULQJV I|UHWDJ IDNXOWDWLY nWHUI|UVlNULQJ 'HW NDQ RFNVn Sn I|UKDQG DYWDOD RP DWW O|SDQGH |YHUI|UD HQ YLVV DQGHO DY VDPWOLJD ULVNHU NRQWUDNWVEXQGHQ nWHUI|UVlNULQJ PRW HQ DQGHO DY GHQ XUVSUXQJOLJD SUHPLHQ 2P HQ VNDGD XSSVWnU HUVlWWHU nWHUI|UVlNULQJVI|UHWDJHW I|UVlNULQJVI|UHWDJHW I|U VLQ GHO DY GHQ |YHUWDJQD ULVNHQ

'H HNRQRPLVND NUDYHQ Sn HUVlWWQLQJ VRP NDQ EOL I|OMGHQ DY H[HPSHOYLV HWW WRWDOKDYHUL DY HWW SDVVDJHUDUIO\JSODQ HOOHU HQ IlUMD NDQ YDUD I|U VWRUD DWW ElUD I|U HWW HQGD I|UVlNULQJVI|UHWDJ *HQRP nWHUI|UVlNULQJ NDQ PDQ VSULGD NRVWQDGHUQD I|U I|UOXVWHU Vn DWW lYHQ VWRUD ULVNHU NDQ I|UVlNUDV

Stor marknad för sparande i försäkringslösningar

)LQDQVLQVSHNWLRQHQ XSSJHU L UDSSRUWHQ .RQVXPHQWVN\GGHW Sn )LQDQVPDUNQDGHQ GHQ PDM DWW PHU lQ KlOIWHQ DY VYHQVNDUQDV VSDUDQGH VNHU L ROLND IRUPHU DY I|UVlNULQJVO|VQLQJDU PHGUlNQDW SUHPLHSHQVLRQHQ (Q VWRU GHO DY GHWWD XWJ|UV DY WMlQVWHSHQVLRQHU 'HW ILQQV lYHQ HWW EHW\GDQGH SULYDW VSDUDQGH L SULYDWD SHQVLRQVI|UVlNULQJDU RFK NDSLWDOI|UVlNULQJDU (Q |YHUJnQJ IUnQ I|UPnQVEHVWlPGD WLOO SUHPLHEHVWlPGD WMlQVWHSHQVLRQHU RFK GHW IDNWXP DWW DOOW IOHU VSDUDU L IRQG RFK GHSnI|UVlNULQJ LQQHElU DWW NRQVXPHQWHU L VLWW SHQVLRQVVSDUDQGH VWlOOV LQI|U DOOW IOHU YDO )|UXWRP GH DYYlJQLQJDU PHOODQ ULVN RFK I|UYlQWDG DYNDVWQLQJ VRP NRQVXPHQWHU VWlOOV LQI|U YLG EHVOXW RP DQGUD VSDUSURGXNWHU LQYROYHUDU VSDUDQGHI|UVlNULQJDU RIWD IOHUD DQGUD IDNWRUHU DWW WD KlQV\Q WLOO , SHQVLRQVI|UVlNULQJDU EHK|YHU WLOO H[HPSHO EHVOXW RIWD IDWWDV NULQJ YDG VRP VND KlQGD PHG SHQVLRQVVSDUDQGHW RP GHQ

opaginerad EHJUlQVDG WLG HOOHU OLYHW XW Kontrollera mot PDF

I|UVlNUDGH DYOLGHU L I|UWLG RFK RP XWWDJ VND VNH XQGHU HQ Sn I|UKDQG

EHJUlQVDG WLG HOOHU OLYHW XW

Kort om svenska pensionsförsäkringar i allmänhet

%HJUHSSHW SHQVLRQVI|UVlNULQJ I|UHNRPPHU LQWH VSHFLILNW L GHQ VYHQVND

I|UVlNULQJVODJVWLIWQLQJHQ 0HG SHQVLRQVI|UVlNULQJ DYVHV LVWlOOHW HQ

I|UVlNULQJ VRP L VNDWWHWHNQLVN PHQLQJ GHILQLHUDV VRP SHQVLRQVI|UVlNULQJ

HQOLJW LQNRPVWVNDWWHODJHQ NDS , KXYXGVDN LQQHElU GHW

DWW I|UVlNULQJVYLOONRUHQ PnVWH DQJH DWW XWEHWDOQLQJ InU VNH I|UVW QlU GHQ

I|UVlNUDGH XSSQnWW HQ YLVV nOGHU nOGHUVSHQVLRQ GHQ I|UVlNUDGHV

DUEHWVI|UPnJD lU QHGVDWW KHOW HOOHU GHOYLV VMXNSHQVLRQ HOOHU GHQ

I|UVlNUDGH DYOLGHU (Q OLYI|UVlNULQJ VRP LQWH XSSI\OOHU NUDYHQ I|U

SHQVLRQVI|UVlNULQJ XWJ|U L VWlOOHW HQ NDSLWDOI|UVlNULQJ

Allmänpension, tjänstepensionsförsäkring och privata

pensionsförsäkringar

, 6YHULJH ILQQV I|UVlNULQJVO|VQLQJDU L DOOD GHODU DY GHQ Vn NDOODGH

SHQVLRQVS\UDPLGHQ , GHQ DOOPlQQD SHQVLRQHQ ILQQV SUHPLHSHQVLRQHQ

VRP lU XWIRUPDG VRP HWW IRQGI|UVlNULQJVV\VWHP RFK GlU GHW lU P|MOLJW

DWW YlOMD HQ WUDGLWLRQHOOW I|UYDOWDG I|UVlNULQJ YLG SHQVLRQHULQJ GlUWLOO

ILQQV WMlQVWHSHQVLRQVI|UVlNULQJDU RFK SULYDWD SHQVLRQVI|UVlNULQJDU

2DYVHWW W\S DY SHQVLRQVI|UVlNULQJ Vn VNHU VMlOYD VSDUDQGHW Sn HWW VlWW VRP

PRWVYDUDU LQQHKnOOHW L HQ IRQGI|UVlNULQJ HOOHU WUDGLWLRQHOOW I|UYDOWDG

I|UVlNULQJ HOOHU VRP HQ NRPELQDWLRQ DY GH EnGD 0HG DQGUD RUG

I|UHNRPPHU YDOEDUKHW LQRP UDPHQ I|U VnYlO VWDWOLJ SHQVLRQ WMlQVWH

SHQVLRQ RFK SULYDWD SHQVLRQVI|UVlNULQJDU

0HG SULYDWD SHQVLRQVI|UVlNULQJDU DYVHV VnGDQD SURGXNWHU VRP GHQ

EOLYDQGH SHQVLRQlUHQ VMlOY WHFNQDU RFK EHWDODU SUHPLHUQD I|U

0HG WMlQVWHSHQVLRQ DYVHV HQ SHQVLRQVI|UVlNULQJ VRP KDU VDPEDQG PHG

WMlQVW RFK VRP GHQ I|UVlNUDGHV DUEHWVJLYDUH nWDJLW VLJ DWW EHWDOD VDPWOLJD

SUHPLHU I|U

Särskilt om tjänstepension

7MlQVWHSHQVLRQ I|UHNRPPHU GHOV VRP LQGLYLGXHOO WMlQVWHSHQVLRQ RFK GHOV

NROOHNWLYDYWDODG WMlQVWHSHQVLRQ

0HG LQGLYLGXHOO WMlQVWHSHQVLRQ DYVHV HQ SHQVLRQVI|UVlNULQJ VRP

WHFNQDWV Sn JUXQGYDO DY YLOONRUHQ L HWW DQVWlOOQLQJVDYWDO DY HQ

DUEHWVJLYDUH VRP LQWH lU EXQGHQ DY NROOHNWLYDYWDO , KXYXGVDN JnU GHW WLOO

Sn Vn VlWW DWW DUEHWVJLYDUHQ XSSKDQGODU HQ SHQVLRQVSODQ PHG KMlOS DY HQ

I|UVlNULQJVI|UPHGODUH 'H VW|UUH PlNODUKXVHQ WLOOKDQGDKnOOHU UHJHO

PlVVLJW VnGDQD WMlQVWHU RFK GHW NDQ PHG VWRU VDQQROLNKHW VlJDV YDUD GHUDV

YLNWLJDVWH PDUNQDGVVHJPHQW Gn GHQ VDPODGH SUHPLHYRO\PHQ Sn GHWWD

RPUnGH lU P\FNHW K|J $YVLNWHQ lU DWW DUEHWVJLYDUHQ PHG KMlOS DY

UnGJLYDUHQ VND I|UKDQGOD IUDP I|UPnQOLJD I|UVlNULQJVO|VQLQJDU RFK

LQYHVWHULQJVDOWHUQDWLY I|U VLQD DUEHWVWDJDUH 'HW lU VHGDQ XSS WLOO GHQ

DQVWlOOGH I|UVlNULQJHQV I|UPnQVWDJDUH DWW LQRP UDPHQ I|U GHQ

XSSKDQGODGH SHQVLRQVSODQHQ SODFHUD GH SUHPLHU SHQVLRQVDYVlWWQLQJDU

VRP EHWDODV LQ DY DUEHWVJLYDUHQ I|UVlNULQJVWDJDUHQ 'HW EOLU PHG DQGUD

RUG XSS WLOO GHQ EOLYDQGH SHQVLRQlUHQ DWW YlOMD W H[ WUDGLWLRQHOOW I|UYDOWDG

I|UVlNULQJ HOOHU IRQGI|UVlNULQJ RFK L Vn IDOO EO D YLOND IRQGHU 2IWD

opaginerad Något om premiepension Kontrollera mot PDF

WLOOKDQGDKnOOHU GHQ I|UVlNULQJVI|UPHGODUH VRP KMlOSW WLOO DWW XSSKDQGOD SODQHQ PRW YLVV SURYLVLRQ lYHQ LQGLYLGXHOO UnGJLYQLQJ L GHQQD GHO

0HG NROOHNWLYDYWDODG WMlQVWHSHQVLRQ DYVHV HQ SHQVLRQVI|UVlNULQJ VRP WHFNQDWV Sn JUXQGYDO DY YLOONRUHQ L HWW NROOHNWLYDYWDO , KXYXGVDN JnU GHW WLOO Sn Vn VlWW DWW DUEHWVPDUNQDGHQV SDUWHU I|UKDQGODU RP QLYnHU Sn SHQVLRQVDYVlWWQLQJDU LQRP GHW DNWXHOOD DYWDOVRPUnGHW YDUHIWHU I|UVlNULQJVO|VQLQJDU RFK LQYHVWHULQJVDOWHUQDWLY KDQGODV XSS IUnQ PDUNQDGHQ 'HW VDPODGH SUHPLHEHORSSHQ Sn GHWWD RPUnGH XSSJnU WLOO P\FNHW EHW\GDQGH EHORSS RFK GHQ DOOPlQQD XSSIDWWQLQJHQ lU DWW GHQ NROOHNWLYD XSSKDQGOLQJVIRUPHQ OHGHU WLOO P\FNHW I|UPnQOLJD YLOONRU I|U DUEHWVWDJDUQD EO D UDEDWWHUDGH IRQGDYJLIWHU HWF 9DOEDUKHWHQ LQRP NROOHNWLYDYWDODG WMlQVWHSHQVLRQ EHVWnU VDPPDQIDWWQLQJVYLV L DWW GHQ DQVWlOOGH YlOMHU I|UVlNULQJVI|UHWDJ I|UYDOWQLQJVIRUP RFK IRQGHU JHQRP DWW VlWWD NU\VV L DQJLYQD DOWHUQDWLY Sn I|UWU\FNWD EURVFK\UHU GHQ V N NU\VVPDUNQDGHQ 8WU\PPHW I|U LQGLYLGXHOO UnGJLYQLQJ LQRP UDPHQ I|U GHQQD I|UVlNULQJVIRUP lU GlUI|U QnJRW EHJUlQVDW

Något om premiepension

'HW VWDWOLJD SUHPLHSHQVLRQVV\VWHPHW lU XWIRUPDW I|U VRP HWW IRQGI|UVlNULQJVV\VWHP GlU NDSLWDOI|UYDOWQLQJHQ VNHU L YlUGHSDSSHUV IRQGHU VRP VN|WV DY IULVWnHQGH IRQGI|UYDOWDUH )RQGI|UVlNULQJVPRGHOOHQ LQQHElU EO D DWW 3UHPLHSHQVLRQVP\QGLJKHWHQ lU DQGHOVlJDUH L GH YlUGHSDSSHUVIRQGHU GlU PHGOHQ SODFHUDV 'HW lU HPHOOHUWLG GHQ HQVNLOGH VSDUDUHQ VRP EHVWlPPHU KRV YLOND I|UYDOWDUH PHGOHQ VND SODFHUDV RFK VRP ElU GHQ ILQDQVLHOOD ULVNHQ I|U SODFHULQJHQ , GH IDOO SHQVLRQVVSDUDUHQ LQWH VMlOY YlOMHU QnJRQ IRQG SODFHUDV PHGOHQ L $3 6nID VRP I|UYDOWDV DY 6MXQGH $3 IRQGHQ )UnQ GHW DWW SHQVLRQVVSDUDUHQ E|UMDU WD XW SHQVLRQ NDQ KDQ HOOHU KRQ YlOMD DWW |YHUJn WLOO HQ WUDGLWLRQHOOW I|UYDOWDG SHQVLRQ

'H I|UVWD V N SUHPLHSHQVLRQVUnGJLYDUQD I|UYDOWQLQJVI|UHWDJHQ E|UMDGH HUEMXGD VLQD WMlQVWHU WLOO SUHPLHSHQVLRQVVSDUDUQD RPNULQJ nU 7RWDOW DQOLWDU FD SHQVLRQVVSDUDUH GU\JW YDU VMlWWH SHQVLRQVVSDUDUH PHG HJHQ SRUWI|OM Vn NDOODGH I|UYDOWQLQJVWMlQVWHU I|U I|UYDOWQLQJ DY VLQD SUHPLHSHQVLRQVIRQGHU 7MlQVWHQ LQQHElU DWW I|UHWDJ |YHUWDU I|UYDOWQLQJHQ PRW HQ DYJLIW bYHQ HQEDUW UnGJLYQLQJ HUEMXGV VRP WMlQVW DY GHVVD I|UHWDJ

'HW I|UHOLJJHU HPHOOHUWLG IRUPHOOD VNLOOQDGHU DY DYJ|UDQGH EHW\GHOVH PHOODQ SUHPLHSHQVLRQ RFK WMlQVWHSHQVLRQVI|UVlNULQJ HIWHUVRP SHQVLRQV UlWWLJKHWHUQD LQWH JUXQGDU VLJ Sn HWW I|UVlNULQJVDYWDO RFK LQJHW I|UVlN ULQJVI|UHWDJ KHOOHU Sn DQQDW VlWW GHOWDU L YHUNVDPKHWHQ 'HWWD InU WLOO I|OMG DWW YDUNHQ I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 3ULLSV HOOHU QnJRQ DQQDQ HXURSHLVN HOOHU QDWLRQHOO I|UVlNULQJVODJVWLIWQLQJ lU WLOOlPSOLJ L I|UKnOODQGH WLOO SUHPLHSHQVLRQ , GDJ UHJOHUDV SUHPLHSHQVLRQHQ JHQRP QDWLRQHOOD EHVWlPPHOVHU L VRFLDOI|UVlNULQJVEDONHQ RFK L ODJHQ RP 3HQVLRQVP\QGLJKHWHQV I|UVlNULQJVYHUNVDPKHW L SUHPLHSHQVLRQVV\VWHPHW

'HW I|UHNRPPHU VRP DQJHV RYDQ DWW V N SUHPLHSHQVLRQVUnGJLYDUH JHU UnG L I|UKnOODQGH WLOO YLOND IRQGDQGHODU VRP GHQ EOLYDQGH SHQVLRQlUHQ VND YlOMD /LNYlO I|UHNRPPHU GHW DWW PDUNQDGVDNW|UHU HUEMXGHU WMlQVWHU VRP LQQHElU DWW GH nWDU VLJ DWW GLVNUHWLRQlUW lQGUD LQQHKDYHW DY IRQGDQGHODU HWF 'HW KDU VHGDQ HQ DQVHQOLJ WLG DQVHWWV RNODUW YLONHW UHJHOYHUN RP

QnJRW VRP lU WLOOlPSOLJW Sn VnGDQ YHUNVDPKHW

opaginerad $OOPlQQD XWJnQJVSXQNWHU Kontrollera mot PDF

, SURS 1\D UHJOHU RP PDUNQDGHU I|U ILQDQVLHOOD

LQVWUXPHQW 0L),' ,, RFK 0L),5 V DQJHV DWW QlU JlOOHU UnGJLYQLQJ

VRP DYVHU ILQDQVLHOOD LQVWUXPHQW VRP LQJnU L ROLND I|UVlNULQJVO|VQLQJDU

RFK L SUHPLHSHQVLRQVV\VWHPHW DQVHU UHJHULQJHQ DWW VnGDQ UnGJLYQLQJ E|U

DQVHV XWJ|UD LQYHVWHULQJVUnGJLYQLQJ HQOLJW 0L),' ,, 'HW LQQHElU DWW

UHJOHUQD RP LQYHVWHULQJVUnGJLYQLQJ L 0,),' ,, VND WLOOlPSDV L

I|UKnOODQGH WLOO VDPWOLJD UHNRPPHQGDWLRQHU L I|UKnOODQGH WLOO VSHFLILND

ILQDQVLHOOD LQVWUXPHQW RDYVHWW RP UnGHQ OlPQDV PRW EDNJUXQG DY HWW 93

NRQWR HQ I|UVlNULQJ HOOHU I|U GHQ GHOHQ SUHPLHSHQVLRQ 0HG DQGUD InU HQ

SUHPLHSHQVLRQVUnGJLYDUH LQWH OlPQD VnGDQD UHNRPPHQGDWLRQHU XWDQ DWW

KD HUIRUGHUOLJW WLOOVWnQG HQOLJW ODJVWLIWQLQJHQ Sn YlUGHSDSSHUV

PDUNQDGVRPUnGHW

$OOPlQQD XWJnQJVSXQNWHU

,QOHGQLQJ

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW HUVlWWHU I|UVlNULQJVI|UPHGOLQJVGLUHN WLYHW VRP GHQ (8 UlWWVOLJD UHJOHULQJHQ DYVHHQGH GLVWULEXWLRQ DY I|UVlN ULQJDU

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW V\IWDU WLOO DWW KDUPRQLHUD QDWLRQHOOD EHVWlPPHOVHU DYVHHQGH I|UVlNULQJV RFK nWHUI|UVlNULQJVGLVWULEXWLRQ LQRP (8 VNlO 'LUHNWLYHW lU XWIRUPDW I|U DWW NXQQD DQSDVVDV WLOO HYHQWXHOOD VlUGUDJ KRV GHQ HQVNLOGD PDUNQDGHQ RFK UlWWV\VWHPHW L YDUMH PHGOHPV VWDW 6\IWHW PHG GLUHNWLYHW lU YLGDUH DWW VDPRUGQD QDWLRQHOOD EHVWlPPHOVHU RP WLOOWUlGH WLOO YHUNVDPKHWHU LQRP I|UVlNULQJV RFK nWHUI|UVlNULQJVGLVWUL EXWLRQ

*HQRP I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW XW|NDV WLOOlPSQLQJVRPUnGHW I|U GHQ (8 UlWWVOLJD UHJOHULQJHQ IUnQ DWW JlOOD I|U I|UVlNULQJVI|UPHGODUH WLOO DWW JlOOD YDUMH I|UVlNULQJVI|UPHGODUH I|UVlNULQJVI|UPHGODUH VRP EHGULYHU I|UPHGOLQJ VRP VLGRYHUNVDPKHW HOOHU I|UVlNULQJVI|UHWDJ QlU GHW GLVWULEXHUDU I|UVlNULQJDU

(WW VDPODW JHQRPI|UDQGH DY

I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW L HQ Q\ ODJ

3URPHPRULDQV I|UVODJ )|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW JHQRPI|UV L VYHQVN UlWW L HQ Q\ ODJ RP I|UVlNULQJVGLVWULEXWLRQ VRP HUVlWWHU ODJHQ RP I|UVlNULQJVI|UPHGOLQJ

6NlOHQ I|U SURPHPRULDQV I|UVODJ

En ny lag eller revidering av befintliga lagar?

, I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW KDU

EHK|YHU SUHFLVHUDV \WWHUOLJDUH I|U

DQJHV DWW WLOOlPSQLQJHQ DY

YLVDW DWW HWW DQWDO EHVWlPPHOVHU

DWW P|MOLJJ|UD XW|YDQGHW DY

opaginerad D HQ Q\ ODJ RP I|UVlNULQJVGLVWULEXWLRQ VRP KDU VDPPD WLOOlPS QLQJVRPUnGH VRP I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW Kontrollera mot PDF

I|UVlNULQJVGLVWULEXWLRQ 'lUWLOO DQJHV DWW VN\GGHW I|U NRQVXPHQWHU I|UXWVlWWHU DWW GLUHNWLYHWV WLOOlPSQLQJVRPUnGH XWYLGJDV WLOO DWW RPIDWWD DOO I|UVlOMQLQJ DY I|UVlNULQJVSURGXNWHU )|UVlNULQJVI|UHWDJ VRP GLUHNW I|UVlOMHU I|UVlNULQJVSURGXNWHU E|U LQJn L GLUHNWLYHWV WLOOlPSQLQJVRPUnGH Sn OLNQDQGH JUXQG VRP I|UVlNULQJVDJHQWHU RFK I|UVlNULQJVPlNODUH VNlO

9LGDUH DQJHV VNlO DWW I|U DWW JDUDQWHUD VDPPD QLYn DY VN\GG REHURHQGH DY GHQ NDQDO JHQRP YLONHQ NXQGHU N|SHU HQ I|UVlNULQJV SURGXNW DQWLQJHQ GLUHNW DY HWW I|UVlNULQJVI|UHWDJ HOOHU LQGLUHNW DY HQ I|UPHGODUH E|U GLUHNWLYHWV WLOOlPSQLQJVRPUnGH LQWH EDUD RPIDWWD I|UVlN ULQJVI|UHWDJ HOOHU I|UVlNULQJVI|UPHGODUH XWDQ RFNVn DQGUD PDUNQDGV DNW|UHU VRP KDU I|UVlOMQLQJ DY I|UVlNULQJVSURGXNWHU VRP VLGRYHUNVDPKHW VnVRP UHVHE\UnHU RFK ELOXWK\UQLQJVI|UHWDJ VnYLGD GH LQWH XSSI\OOHU YLOONRUHQ I|U DWW XQGDQWDV

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW LQQHElU VnOHGHV DWW WLOOlPSQLQJV RPUnGHW XWYLGJDV RFK DWW UHJOHUQD I|U YHUNVDPKHWHQ lQGUDV L I|UKnOODQGH WLOO I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW

,QI|U JHQRPI|UDQGHW L VYHQVN UlWW DY I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW E|U PDQ GlUI|U I|U GHW I|UVWD WD VWlOOQLQJ WLOO RP GLUHNWLYHW E|U JHQRP I|UDV JHQRP

D HQ Q\ ODJ RP I|UVlNULQJVGLVWULEXWLRQ VRP KDU VDPPD WLOOlPS QLQJVRPUnGH VRP I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

E DWW I|UVlNULQJVI|UPHGOLQJVODJHQ UHYLGHUDV Vn DWW GHOV WLOOlPS QLQJVRPUnGHW XWYLGJDV GHOV Q\D RFK UHYLGHUDGH EHVWlPPHOVHU LQI|UV HOOHU

F DWW I|UVlNULQJVI|UPHGOLQJVODJHQ UHYLGHUDV RFK GHW LQI|UV Q\D EHVWlPPHOVHU RP I|UVlNULQJVI|UPHGOLQJ VDPWLGLJW VRP I|UVlNULQJVU|UHOVHODJHQ RFK I|UVlNULQJVDYWDOVODJHQ UHYLGHUDV RFK GHW LQI|UV Q\D EHVWlPPHOVHU RP I|UVlNULQJVI|UHWDJHQV GLVWULEXWLRQ DY I|UVlNULQJ

, GHQQD SURPHPRULD J|UV EHG|PQLQJHQ DWW I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW E|U JHQRPI|UDV L VYHQVN UlWW L HQ Q\ ODJ RP I|UVlNULQJV GLVWULEXWLRQ 'HW ILQQV WUH KXYXGVDNOLJD VNlO I|U GHW

'HW I|UVWD VNlOHW lU DWW lQGULQJDUQD L GH JHPHQVDPPD UHJOHU VRP VND JlOOD Sn (8 QLYn XWYLGJDU WLOOlPSQLQJVRPUnGHW WLOO DWW lYHQ DYVH I|UVlN ULQJVI|UHWDJHQV RFK nWHUI|UVlNULQJVI|UHWDJHQV GLVWULEXWLRQ DY I|UVlNULQJ *HQRP HQ Q\ ODJ RP I|UVlNULQJVGLVWULEXWLRQ I|OMV VDPPD V\VWHPDWLN VRP YDOWV Sn (8 QLYn GYV HWW Q\WW GLUHNWLY L VWlOOHW I|U DWW UHYLGHUD GLUHNWLYHW RP I|UVlNULQJVI|UPHGOLQJ 'HW NRPPHU VDQQROLNW DWW XQGHUOlWWD YLG JHQRPI|UDQGH DY HYHQWXHOOD IUDPWLGD lQGULQJVGLUHNWLY DYVHHQGH I|U VlNULQJVGLVWULEXWLRQVGLUHNWLYHW HOOHU YLG EHKRY DY DWW lQGUD GHQ VYHQVND ODJVWLIWQLQJHQ Sn RPUnGHW RP UHJOHULQJHQ DY I|UVlNULQJVGLVWULEXWLRQ ILQQV VDPODG L HQ HQGD ODJ

'HW DQGUD VNlOHW lU DWW YLG HQ UHYLGHULQJ DY I|UVlNULQJVI|UPHGOLQJV ODJHQ HQOLJW DOWHUQDWLY E RYDQ VNXOOH XW|YHU ODJHQV WLOOlPSQLQJVRPUnGH RFK LQQHKnOO lYHQ ODJHQV UXEULN EHK|YD lQGUDV I|U DWW YDUD UlWWYLVDQGH 'HW VNXOOH L VDPPDQWDJHW PHGI|UD DWW GHQ UHYLGHUDGH ODJHQ L SUDNWLNHQ EOLU DWW EHWUDNWD VRP HQ Q\ ODJ

'HW WUHGMH VNlOHW lU DWW HQ UHYLGHULQJ DY EHILQWOLJ ODJVWLIWQLQJ VRP

LQQHElU DWW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW JHQRPI|UV JHQRP lQGULQJDU

I|UVlUNULQJVI|UPHGOLQJVODJHQ I|UVlNULQJVU|UHOVHODJHQ RFK I|UVlNULQJV

opaginerad 9DO YLG JHQRPI|UDQGHW DY Kontrollera mot PDF

DYWDOVODJHQ Vn VRP DQJHV L DOWHUQDWLY F RYDQ VNXOOH LQQHElUD DWW DOOD GHVVD ODJDU I|UVHV PHG Q\D EHVWlPPHOVHU VRP LQWH IXOOW XW SDVVDU LQ L ODJDUQDV VWUXNWXU RFK L SULQFLS VDPPD EHVWlPPHOVHU PHQ ULNWDGH WLOO ROLND VXEMHNW VNXOOH EHK|YD ILQQDV L IOHUD ROLND ODJDU 'HW NDQ OHGD WLOO WRONQLQJVSUREOHP RFK I|U HQ LQKHPVN HOOHU XWOlQGVN DNW|U VRP YLOO EHGULYD I|UVlNULQJVGLVWULEXWLRQ L 6YHULJH lU GHW GHVVXWRP VYnUDUH DWW In HQ KHOKHWVELOG |YHU GH NUDY VRP JlOOHU RP UHJHOYHUNHW lU XSSGHODW L ROLND ODJDU YDUV WLOOlPSQLQJ lU EHURHQGH Sn YLONHW VXEMHNW VRP XWI|U GLVWULEXWLRQHQ

'lUXW|YHU E|U GHW EHDNWDV DWW GHQ Q\D I|UVlNULQJVGLVWULEXWLRQVODJHQ LQWH EDUD E|U JHQRPI|UD I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW L VYHQVN UlWW XWDQ DWW GHQ Q\D ODJHQ lYHQ E|U XWIRUPDV PHG KlQV\Q WLOO I|UVODJ L GHSDUWHPHQWVSRUPHPRULDQ 6WlUNW NRQVXPHQWVN\GG YLG I|UVlNULQJV I|UPHGOLQJ 'V VDPW LQQHKnOOD \WWHUOLJDUH UHJOHU VRP LQWH KlQI|U VLJ WLOO GHW GLUHNWLYHW 'lUWLOO NRPPHU DWW RFNVn JHQRPI|UDQGHW L VYHQVN UlWW DY 0L),' ,, E|U EHDNWDV L V\IWH DWW XSSQn HWW OLNDUWDW NRQVXPHQWVN\GG RFK OLNDUWDGH NRQNXUUHQVYLOONRU Sn PDUNQDGHQ I|U ILQDQVLHOO UnGJLYQLQJ RP ILQDQVLHOOD LQVWUXPHQW RFK I|UVlNULQJDU 'HW NRPPHU VnOHGHV DWW LQI|UDV HQ PlQJG Q\D UHJOHU I|U I|UVlNULQJV GLVWULEXWLRQ 'HW XQGHUOlWWDU I|U GHQ VRP VND WLOOlPSD UHJOHUQD RP I|UVlNULQJVGLVWULEXWLRQ ILQQV VDPODGH L HQ ODJ

(Q HIIHNW DY GHQ YDOGD O|VQLQJHQ lU HPHOOHUWLG YLVV GXEEHOUHJOHULQJ QlU GHW JlOOHU I|UVlNULQJVI|UHWDJHQV YHUNVDPKHW L ROLND DYVHHQGHQ 'XEEHO UHJOHULQJ XSSNRPPHU EO D L IUnJD RP GH LQIRUPDWLRQVNUDY VRP JlOOHU I|U I|UVlNULQJVI|UHWDJHQ HQOLJW I|UVlNULQJVU|UHOVHODJHQ RFK I|UVlNULQJV DYWDOVODJHQ 'lUXW|YHU XSSNRPPHU YLVV GXEEHOUHJOHULQJ L I|UKnOODQGH WLOO I|UVlNULQJVU|UHOVHODJHQV EHVWlPPHOVHU RP WLOOV\Q RFK LQJULSDQGHQ , DYVQLWWHQ RFK NRPPHQWHUDV GXEEHOUHJOHULQJHQ YLGDUH 'HQ GXEEHOUHJOHULQJ VRP EOLU DNWXHOO I|U I|UVlNULQJVI|UHWDJHQ EHG|PV LQWH OHGD WLOO QnJUD VW|UUH SUREOHP YLG WLOOlPSQLQJHQ DY GH L VDPPDQKDQJHW DNWXHOOD EHVWlPPHOVHUQD

'HQ VDPPDQWDJQD EHG|PQLQJHQ lU DWW I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW E|U JHQRPI|UDV L VYHQVN UlWW JHQRP HQ Q\ ODJ RP I|UVlNULQJVGLVWULEXWLRQ VRP HUVlWWHU I|UVlNULQJVI|UPHGOLQJVODJHQ

9DO YLG JHQRPI|UDQGHW DY

I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

(Q JUXQGOlJJDQGH XWJnQJVSXQNW DWW EHDNWD YLG JHQRPI|UDQGH L VYHQVN UlWW DY I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW lU DWW GLUHNWLYHW lU HWW V N PLQLPLKDUPRQLVHULQJVGLUHNWLY , GLUHNWLYHW DQJHV DWW GHW KDU VRP PnO DWW XSSQn HQ PLQLPLJUDG DY KDUPRQLHULQJ RFK GlUI|U LQWH E|U KLQGUD PHGOHPVVWDWHUQD IUnQ DWW EHKnOOD HOOHU LQI|UD VWUlQJDUH EHVWlPPHOVHU I|U DWW VN\GGD NXQGHUQD I|UXWVDWW DWW VnGDQD EHVWlPPHOVHU VWnU L |YHUHQV VWlPPHOVH PHG XQLRQVUlWWHQ LQEHJULSHW GHW GLUHNWLYHW VNlO

, SURPHPRULDQ 6WlUNW NRQVXPHQWVN\GG YLG I|UVlNULQJVI|UPHGOLQJ 'V I|UHVOnV DWW GHW L VYHQVN UlWW VND LQI|UDV NUDY VRP GHOV JnU XW|YHU NUDYHQ L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW GHOV LQQHElU Q\

UHJOHULQJ VRP LQWH KDU QnJRQ PRWVYDULJKHW L GLUHNWLYHW , SURPHPRULDQ

opaginerad 0|MOLJKHWHQ DWW LQI|UD VWUlQJDUH UHJOHU lQ GHP L GLUHNWLYHW E|U DQYlQGDV L YLVVD IDOO Kontrollera mot PDF

I|UHVOnV EO D VNlUSWD NUDY DYVHHQGH WUHGMHSDUWVHUVlWWQLQJDU PDUNQDGV I|ULQJ UHJOHU I|U VLGRWLOOVWnQG RFK EHVWlPPHOVHU VRP DYVHU WLOOV\Q |YHU I|UVlNULQJVI|UPHGODUH

, EHWlQNDQGHW 9lUGHSDSSHUVPDUNQDGHQ 0L),' ,, RFK 0L),5 628 OlPQDU nUV YlUGHSDSSHUVPDUNQDGVXWUHGQLQJ GlUWLOO OnQJWJnHQGH I|UODJ RP SURYLVLRQVEHJUlQVQLQJVUHJOHU VRP VND JlOOD I|U VnYlO YlUGHSDSSHUVLQVWLWXW VRP I|UVlNULQJVI|UHWDJ RFK I|UVlNULQJV I|UPHGODUH 8WUHGQLQJHQ I|UHVOnU RFNVn UHJOHU VRP lU VWUlQJDUH lQ GHP L 0L),' ,, QlU GHW JlOOHU UnGJLYQLQJ Sn REHURHQGH JUXQG

)LQDQVLQVSHNWLRQHQ KDU L UDSSRUWHQ (WW Q|GYlQGLJW VWHJ I|U HQ ElWWUH VSDUDQGHPDUNQDG GQU VRP SXEOLFHUDGHV GHQ IHEUXDUL UHGRYLVDW DUJXPHQW I|U YDUI|U HWW I|UEXG PRW WUHGMHSDUWHUVlWWQLQJDU Sn PDUNQDGHQ VNXOOH ELGUD WLOO HWW VWlUNW NRQVXPHQWVN\GG 'lUWLOO KDU NUDYHQ Sn I|UVlNULQJVGLVWULEXWLRQ RFK Gn RIWD NRSSODW WLOO UHJOHU VRP U|U WLOOlPSQLQJVRPUnGH I|U I|UVlNULQJVI|UPHGOLQJ SURYLVLRQVUHJOHU RFK UnGJLYQLQJ RP IRQGHU VRP lU YDOEDUD LQRP SUHPLHSHQVLRQHQ Sn 3HQVLRQVP\QGLJKHWHQV IRQGWRUJ GHEDWWHUDWV RFK DQDO\VHUDWV L VnYlO DNDGHPLVND VWXGLHU VRP YLG KHDULQJV RFK VHPLQDULHU RP I|UVlNULQJVGLVWULEXWLRQ

1lU XWIRUPQLQJHQ DY HQ Q\ ODJ RP I|UVlNULQJVGLVWULEXWLRQ |YHUYlJV E|U ODJVWLIWDUHQ VnOHGHV WD VWlOOQLQJ WLOO RP KXUXYLGD GHW ILQQV VNlO I|U DWW L VYHQVN UlWW LQI|UD VWUlQJDUH HOOHU DQGUD UHJOHU lQ GHP L I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW RFK WD VWlOOQLQJ WLOO RP I|UVODJ VRP OlPQDWV L DQGUD VDPPDQKDQJ VRP U|U I|UVlNULQJVGLVWULEXWLRQ lU UHOHYDQWD L I|UHYDUDQGH ODJVWLIWQLQJVlUHQGH

0|MOLJKHWHQ DWW LQI|UD VWUlQJDUH UHJOHU lQ GHP L GLUHNWLYHW E|U DQYlQGDV L YLVVD IDOO

3URPHPRULDQV EHG|PQLQJ 0|MOLJKHWHQ DWW L VYHQVN UlWW LQI|UD VWUlQJDUH UHJOHU lQ GHP L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW E|U XWQ\WWMDV 'HW E|U J|UDV Sn HWW SURSRUWLRQHUOLJW RFK EDODQVHUDW VlWW I|U DWW VWlUND NRQVXPHQWVN\GGHW YLG ILQDQVLHOO UnGJLYQLQJ XSSQn HQ NRQNXUUHQVQHXWUDO PDUNQDG PHOODQ OLNDUWDG YHUNVDPKHW VDPW I|U DWW I|UElWWUD I|UXWVlWWQLQJDUQD I|U DWW EHGULYD HQ HIIHNWLY WLOOV\Q

6NlOHQ I|U SURPHPRULDQV EHG|PQLQJ

Minimireglerna i direktivet är bra men inte alltid tillräckliga

*HQRP I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW LQI|UV Q\D PLQLPLNUDY Sn

PDUNQDGHQ I|U I|UVlNULQJVGLVWULEXWLRQ LQRP XQLRQHQ 1\WW lU VRP DQJHV

L DYVQLWW DWW WLOOlPSQLQJVRPUnGHW I|U UHJHOYHUNHW XWYLGJDV MlPI|UW PHG

I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW *HQRP DWW OLND HOOHU OLNDUWDGH UHJOHU

LQI|UV I|U DOOD GLVWULEXW|UHU DY I|UVlNULQJ EOLU PDUNQDGVYLOONRUHQ PHU

NRQNXUUHQVQHXWUDOD RFK NRQVXPHQWVN\GGHW |NDU LQRP XQLRQHQ

6DPWLGLJW LQI|UV Sn XQLRQVQLYn lYHQ UHYLGHUDGH RFK Q\D UHJOHU I|U

YlUGHSDSSHUVLQVWLWXW RFK I|U LQYHVWHULQJVUnGJLYQLQJ JHQRP 0L),' ,,

opaginerad Varför är reglerna i direktivet inte tillräckliga? Kontrollera mot PDF

6DPPDQWDJHW LQQHElU UHJOHUQD L GH EnGD GLUHNWLYHQ HQ VNlUSW UHJOHULQJ DYVHHQGH VnYlO I|UVlNULQJVGLVWULEXWLRQ VRP XWI|UDQGH DY LQYHVWH ULQJVWMlQVWHU RFK LQYHVWHULQJVYHUNVDPKHW

Varför är reglerna i direktivet inte tillräckliga?

)LQDQVLQVSHNWLRQHQ KDU L VLQ WLOOV\Q XQGHU HQ OlQJUH WLG NXQQDW NRQVWDWHUD DWW GHW ILQQV EHW\GDQGH NRQVXPHQWVN\GGVSUREOHP Sn GHQ VYHQVND PDUN QDGHQ I|U I|UVlNULQJVI|UPHGOLQJ 'H SnWDODGH SUREOHPHQ lU IUDPI|U DOOW UHODWHUDGH WLOO GH LQWUHVVHNRQIOLNWHU VRP XSSVWnU PHG DQOHGQLQJ DY DWW I|U PHGODUHQ RIWD HUVlWWV DY I|UVlNULQJVI|UHWDJ JHQRP V N WUHGMHSDUWVHUVlWW QLQJDU W H[ SURYLVLRQ , GHVVD IDOO LQIRUPHUDV LQWH NXQGHQ RP HUVlWW QLQJVPRGHOOHQ Sn HWW WUDQVSDUHQW VlWW VDPWLGLJW VRP PRGHOOHQ PHGI|U DWW I|UVlNULQJVI|UPHGODUHQ KDU LQFLWDPHQW DWW JH UnG RP GHQ SURGXNW VRP JHU I|UPHGODUHQ K|JVW SURYLVRQ L VWlOOHW I|U GHQ SURGXNW VRP lU ElVW OlPSDG XWLIUnQ NXQGHQV NUDY RFK EHKRY 'lUWLOO ILQQV GHW \WWHUOLJDUH SUREOHP UHODWHUDGH WLOO EULVWDQGH WUDQVSDUHQV QlU GHW JlOOHU RP HQ I|UPHGODUH JHU UnG RP PDUNQDGVI|U HOOHU I|UPHGODU HQ I|UVlNULQJ HOOHU HWW ILQDQVLHOOW LQVWUXPHQW YLONHW J|U GHW VYnUW I|U )LQDQVLQVSHNWLRQHQ DWW EHG|PD RP I|UPHGODUHQ lJQDU VLJ nW GHW VRP WLOOVWnQGHW DYVHU 3UREOHP KDU RFNVn XSSPlUNVDPPDWV L WLOOV\QHQ UHODWHUDW WLOO P|MOLJKHWHQ I|U HQ I|UPHGODUH DWW VMlOY EHJlUD DWW In VLWW WLOOVWnQG nWHUNDOODW XQGHU HWW SnJnHQGH VDQNWLRQV lUHQGH I|U DWW Sn Vn VlWW XQGYLND DWW EOL I|UHPnO I|U GHQ VDQNWLRQ VRP |YHUWUlGHOVHQ NDQ LQQHElUD I|U I|UPHGODUHQ

(Q DQQDW NRQNXUUHQV RFK NRQVXPHQWVN\GGVSUREOHP lU DWW GHW lU EHW\G OLJW HQNODUH DWW In WLOOVWnQG DWW I|UPHGOD OLYI|UVlNULQJ PHG VSDUPRPHQW lQ DWW In WLOOVWnQG I|U LQYHVWHULQJVUnGJLYQLQJ HQOLJW ODJHQ RP YlUGHSDSSHUV PDUNQDGHQ ,QYHVWHULQJDU VRP LQEHJULSHU I|UVlNULQJVNRQWUDNW WLOOKDQGD KnOOV RIWD WLOO NXQGHU VRP P|MOLJD DOWHUQDWLY WLOO LQYHVWHULQJDU GLUHNW L ILQDQVLHOOD LQVWUXPHQW GYV DNWLHU RFK DQGUD YlUGHSDSSHU )|U DWW VlNHU VWlOOD OLND VSHOUHJOHU I|U OLNQDQGH SURGXNWHU lU GHW YLNWLJW DWW GHVVD XQGHU NDVWDV OlPSOLJD NUDY $WW GHW lU EHW\GOLJW HQNODUH DWW In WLOOVWnQG DWW I|U PHGOD I|UVlNULQJDU PHG VSDUPRPHQW lQ DWW XWI|UD WMlQVWHU VRP DYVHU ILQDQVLHOOD LQVWUXPHQW OHGHU WLOO ROLND NRQNXUUHQVYLOONRU I|U GLVWULEXWLRQ DY I|UVlNULQJDU PHG VSDUPRPHQW MlPI|UW PHG GLVWULEXWLRQ DY ILQDQVLHOOD LQVWUXPHQW

'lUWLOO KDU EnGH )LQDQVLQVSHNWLRQHQ RFK EUDQVFKDNW|UHU EO D L VDPEDQG PHG UHPLWWHULQJ DY SURPHPRULDQ 6WlUNW NRQVXPHQWVN\GG YLG I|UVlNULQJVI|UPHGOLQJ 'V SnWDODW VnYlO PDUNQDGVSUREOHP VRP NRQVXPHQWVN\GGVSUREOHP UHODWHUDGH WLOO DWW GHW L GDJ ILQQV ROLND WRONQLQJDU DY YDG VRP LQEHJULSV L I|UVlNULQJVI|UPHGOLQJ 'HWWD SnYHUNDU EO D PDUNQDGHQ I|U DQVYDUVI|UVlNULQJ HIWHUVRP DQVYDUVI|UVlN ULQJVJLYDUQD LQWH YHW IXOOW XW YLOND ULVNHU GH VND EDVHUD SUHPLHQ Sn VDPW YLOND ULVNHU VRP DQVYDUVI|UVlNULQJHQ VND DYVH 'HW KDU VNDSDW VYnULJKHW I|U I|UPHGODUQD DWW HUKnOOD DQVYDUVI|UVlNULQJ PHQ RFNVn VNDSDW HQ RW\GOLJKHW I|U NRQVXPHQWHU NULQJ YLONHW VN\GG GH KDU QlU GH InU UnG RP VSDUDQGH DY HQ I|UVlNULQJVI|UPHGODUH

5HJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RFK 0L),' ,, WDU RPKDQG IOHUD DY GH SUREOHP VRP DQJHV RYDQ PHQ EHG|PV L YLVVD IDOO LQWH YDUD WLOOUlFNOLJD I|U DWW nWJlUGD GH SUREOHP VRP KDU LGHQWLILHUDWV Sn GHQ

VYHQVND PDUNQDGHQ I|U I|UVlNULQJVGLVWULEXWLRQ

opaginerad 0|MOLJKHWHQ DWW L VYHQVN UlWW LQI|UD VWUlQJDUH UHJOHU lQ GHP L Kontrollera mot PDF

0|MOLJKHWHQ DWW L VYHQVN UlWW LQI|UD VWUlQJDUH UHJOHU lQ GHP L

I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW E|U GlUI|U XWQ\WWMDV I|U DWW nWJlUGD GH

SUREOHP VRP LGHQWLILHUDWV Sn GHQ VYHQVND PDUNQDGHQ

Balanserade lösningar på identifierade problem

0nOHQ I|U 6YHULJHV ILQDQVPDUNQDGVSROLWLN lU DWW VlNHUVWlOOD HWW VWDELOW ILQDQVLHOOW V\VWHP VRP SUlJODV DY K|JW I|UWURHQGH PHG YlO IXQJHUDQGH PDUNQDGHU VRP WLOOJRGRVHU KXVKnOOHQV RFK I|UHWDJHQV EHKRY DY ILQDQ VLHOOD WMlQVWHU VDPWLGLJW VRP GHW ILQQV HWW K|JW VN\GG I|U NRQVXPHQWHU 'HW ILQDQVLHOOD V\VWHPHW VND lYHQ ELGUD WLOO HQ KnOOEDU XWYHFNOLQJ

, I|UHYDUDQGH ODJVWLIWQLQJVlUHQGH ILQQV GHW IOHUD IDNWRUHU DWW EHDNWD VRP U|U VnYlO PDUNQDGHQV IXQNWLRQVVlWW VRP NRQVXPHQWVN\GGHW RFK GHW JlOOHU DWW J|UD HQ DYYlJQLQJ PHOODQ GH ROLND LQWUHVVHQ VRP LEODQG VWlOOV HPRW YDUDQGUD

'HW NDQ PHG DQGUD RUG YDUD VYnUW DWW XSSQn HWW IXOOJRWW NRQVXPHQW VN\GG XWDQ DWW SnYHUND PDUNQDGHQV IXQNWLRQVVlWW L QHJDWLY ULNWQLQJ W H[ NDQ |NDGH NUDY Sn I|UVlNULQJVGLVWULEXW|UHU PHGI|UD |NDGH NRVWQDGHU RFK GlUPHG OlJUH O|QVDPKHW c DQGUD VLGDQ ELGUDU HWW VWDUNW NRQVXPHQWVN\GG WLOO HWW |NDW I|UWURHQGH YLONHW L VLQ WXU NDQ LQQHElUD DWW HQ |NDG HIWHU IUnJDQ Sn I|UVlNULQJVSURGXNWHU RFK HQ PHU YlOIXQJHUDQGH PDUNQDG

Övergripande syfte och mål med regleringen

'H Q\D UHJOHU VRP I|UHVOnV E|U V\IWD WLOO DWW VNDSD GH OHJDOD I|UXWVlWW QLQJDU VRP NUlYV I|U DWW XSSQn HQ YlOIXQJHUDQGH PDUNQDG VRP SUlJODV DY HWW VWDUNW NRQVXPHQWVN\GG 0nOHW lU DWW XSSQn HQ EDODQVHUDG RFK SURSRU WLRQHUOLJ UHJOHULQJ VRP WDU RPKDQG GH SUREOHP VRP KDU LGHQWLILHUDWV XWDQ DWW YlOIXQJHUDQGH GHODU DY PDUNQDGHQ UHJOHUDV PHU lQ Q|GYlQGLJW (WW \WWHUOLJDUH PnO PHG GHQ Q\D UHJOHULQJHQ E|U YDUD DWW XSSQn HQ OLNDUWDG UHJOHULQJ Sn PDUNQDGHQ I|U ILQDQVLHOO UnGJLYQLQJ RP I|UVlNULQJ RFK ILQDQVLHOOD LQVWUXPHQW 'HW VLVWQlPQGD PnOHW E|U XSSQnV JHQRP DWW UHJOHULQJHQ L GH ROLND UHJHOYHUN VRP JlOOHU I|U ILQDQVLHOO UnGJLYQLQJ XWIRUPDV Sn HWW OLNDUWDW VlWW 5HJHULQJHQV EHG|PQLQJ DYVHHQGH HQ OLNDUWDG UHJOHULQJ DY UnGJLYQLQJ Sn ILQDQVPDUNQDGVRPUnGHW RFK VNlOHQ I|U GHWWD DQJHV QlUPUH L SURS V ± 6\IWHW PHQ HQ OLNDUWDG UHJOHULQJ Sn GHWWD RPUnGH lU DWW XSSQn HQ NRQNXUUHQVQHXWUDO PDUNQDG I|U UnGJLYQLQJ Sn ILQDQVPDUNQDGVRPUnGHW PHG HWW VWlUNW VN\GG I|U NXQGHQ

Riksdagens tillkännagivande avseende oberoende rådgivning

&LYLOXWVNRWWHWV KDU WLOONlQQDJLYLW DWW UHJHULQJHQ VQDUDVW E|U nWHUNRPPD WLOO ULNVGDJHQ PHG ODJI|UVODJ VRP LQQHElU VNlUSWD NUDY I|U DWW QnJRQ VND In NDOOD VLJ REHURHQGH UnGJLYDUH YLG ILQDQVLHOO UnGJLYQLQJ WLOO NRQVXPHQWHU EHW &8 8WVNRWWHW DQVHU DWW GHW lU YLNWLJW DWW VWlUND NRQVX PHQWVN\GGHW YLG ILQDQVLHOO UnGJLYQLQJ (Q GHO L GHWWD lU DWW XQGDQU|MD GH LQWUHVVHNRQIOLNWHU VRP NDQ XSSNRPPD HIWHUVRP GH NDQ OHGD WLOO EULVWDQGH HOOHU XQGHUPnOLJ UnGJLYQLQJ WLOO NRQVXPHQWHU

, GHQQD SURPHPRULD I|UHVOnV NUDIWLJW VNlUSWD UHJOHU I|U I|UVlNULQJV

I|UPHGODUH VRP JHU UnG Sn JUXQGYDO DY HQ RSDUWLVN RFK SHUVRQOLJ DQDO\V

EO D JHQRP HWW I|UEXG PRW DWW WD HPRW RFK EHKnOOD HUVlWWQLQJ IUnQ QnJRQ

DQQDQ lQ NXQGHQ RFK JHQRP I|UEXG PRW DWW JH UnG RP HJQD SURGXNWHU

'lUWLOO I|UHVOnV XW|NDGH LQIRUPDWLRQV RFK GRNXPHQWDWLRQVVN\OGLJKHWHU

opaginerad )|OMGlQGULQJDU L DQGUD ODJDU Kontrollera mot PDF

VRP VND XQGHUOlWWD I|U NXQGHQ DWW J|UD YlOLQIRUPHUDGH YDO VH DYVQLWWHQ ±

*HQRPI|UDQGHW L VYHQVN UlWW DY 0L),' ,, LQQHElU lYHQ VNlUSWD UHJOHU I|U GHQ VRP XWI|U LQYHVWHULQJVUnGJLYQLQJ Sn REHURHQGH JUXQG )|U VnGDQ UnGJLYQLQJ I|UHVOnV HWW I|UEXG PRW DWW WD HPRW RFK EHKnOOD WUHGMHSDUWV HUVlWWQLQJDU VDPW PRW DWW JH UnG RP HJQD HOOHU QlUVWnHQGH I|UHWDJV SURGXNWHU VH SURS 1\D UHJOHU RP PDUNQDGHU I|U ILQDQVLHOOD LQVWUXPHQW 0L),' ,, RFK 0L),5

)OHUD I|UVODJ L GHQQD SURPHPRULD WDU VnOHGHV RPKDQG GH SUREOHP VRP FLYLOXWVNRWWHWV DQJHU L VLWW WLOONlQQDJLYDQGH WLOO UHJHULQJHQ

)|OMGlQGULQJDU L DQGUD ODJDU

3URPHPRULDQV I|UVODJ +lQYLVQLQJDU WLOO ODJHQ RP I|UVlNULQJVI|U PHGOLQJ HUVlWWV PHG KlQYLVQLQJDU WLOO ODJHQ RP I|UVlNULQJVGLVWUL EXWLRQ

8SSJLIWHU IUnQ 3HQVLRQVP\QGLJKHWHQV SUHPLHSHQVLRQVYHUNVDPKHW VND In EHKDQGODV L GDWDEDVHQ I|U |YHUYDNQLQJ DY RFK WLOOV\Q |YHU ILQDQVPDUNQDGHUQD 6nGDQD XSSJLIWHU RFK XSSJLIWHU VRP VDPODWV LQ PHG VW|G DY ODJHQ RP VlUVNLOG WLOOV\Q |YHU NUHGLWLQVWLWXW RFK YlUGH SDSSHUVERODJ VND In EHKDQGODV L GDWDEDVHQ HQGDVW RP GH KDU VDPODWV LQ PHG VW|G DY I|UHVNULIWHU RP SHULRGLVN UDSSRUWHULQJ

6NlOHQ I|U SURPHPRULDQV I|UVODJ

Lagstiftning med hänvisningar till lagen om försäkringsförmedling

, JlOODQGH UlWW ILQQV GHW KlQYLVQLQJDU WLOO I|UVlNULQJVI|UPHGOLQJVODJHQ L IOHUD ODJDU 6nGDQD KlQYLVQLQJDU ILQQV L ODJHQ RP XWOlQGVND ILOLDOHU P P ODJHQ RP YDOXWDYl[OLQJ RFK DQQDQ ILQDQVLHOO YHUNVDPKHW ODJHQ RP EHODVWQLQJVUHJLVWHU ODJHQ RP ILQDQVLHOO UnGJLYQLQJ WLOO NRQVXPHQWHU ODJHQ RP YlUGH SDSSHUVPDUNQDGHQ PDUNQDGVI|ULQJVODJHQ ODJHQ RP HQ GDWDEDV I|U |YHUYDNQLQJ DY RFK WLOOV\Q |YHU ILQDQVPDUNQDGHUQD RFK ODJHQ RP nWJlUGHU PRW SHQQLQJWYlWW RFK ILQDQVLHULQJ DY WHUURULVP

1lU GHW JlOOHU ODJHQ RP XWOlQGVND ILOLDOHU P P † ODJHQ RP YDOXWDYl[OLQJ RFK DQQDQ ILQDQVLHOO YHUNVDPKHW † ODJHQ RP EHODVW QLQJVUHJLVWHU † ODJHQ RP ILQDQVLHOO UnGJLYQLQJ WLOO NRQVXPHQWHU D † RFK PDUNQDGVI|ULQJVODJHQ † U|U GHW VLJ L DOOW YlVHQWOLJW EDUD RP KlQYLVQLQJDU WLOO I|UVlNULQJVI|UPHGOLQJVODJHQ , GHVVD IDOO VDNQDV DQOHGQLQJ DWW J|UD QnJRQ lQGULQJ L VDN YDUI|U KlQYLVQLQJDUQD E|U HUVlWWDV PHG KlQYLVQLQJDU WLOO GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWUL EXWLRQ RFK L I|UHNRPPDQGH IDOO WLOO EHU|UG EHVWlPPHOVH L GHQ ODJHQ

Lagen om värdepappersmarknaden

)UnJDQ RP lQGULQJDU L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ EHKDQGODV L

DYVQLWW

opaginerad Lagen om en databas för övervakning av och tillsyn över finansmarknaderna Kontrollera mot PDF

Lagen om en databas för övervakning av och tillsyn över finansmarknaderna

(QOLJW ODJHQ RP HQ GDWDEDV I|U |YHUYDNQLQJ DY RFK WLOOV\Q |YHU ILQDQV PDUNQDGHUQD † InU XSSJLIWHU VRP KDU VDPODWV LQ IUnQ 5LNVEDQNHQ RFK IOHUD ROLND VODJ DY ILQDQVLHOOD I|UHWDJ EHKDQGODV L GDWDEDVHQ HQGDVW RP GH KDU VDPODWV LQ PHG VW|G DY I|UHVNULIWHU RP SHULRGLVN UDSSRUWHULQJ 'HW NUDYHW JlOOHU GRFN LQWH I|U XSSJLIWHU VRP VDPODWV LQ PHG VW|G ODJHQ RP VlUVNLOG WLOOV\Q |YHU NUHGLWLQVWLWXW RFK YlUGHSDSSHUVERODJ HOOHU (XURSDSDUODPHQWHWV RFK UnGHWV I|URUGQLQJ (8 QU DY GHQ MXQL RP WLOOV\QVNUDY I|U NUHGLWLQVWLWXW RFK YlUGHSDSSHUVI|UHWDJ RFK RP lQGULQJ DY I|URUGQLQJ (8 QU L GHW I|OMDQGH EHQlPQG WLOOV\QVI|URUGQLQJHQ , VLVWQlPQGD IDOO VDNQDV EHKRY DY HQ VnGDQ EH JUlQVQLQJ 6NlOHW I|U GHW lU DWW EHVWlPPHOVHUQD L WLOOV\QVI|URUGQLQJHQ UHGDQ L VLJ lU XWIRUPDGH Vn DWW GHQ I|U I|UHWDJHQ ELQGDQGH XSSJLIWVVN\O GLJKHW VRP GH NDQ JH XSSKRY WLOO HQGDVW NDQ DYVH SHULRGLVN UDSSRUWHULQJ VH SURS V

1lU GHW JlOOHU XSSJLIWHU VRP VDPODWV LQ PHG VW|G ODJHQ RP VlUVNLOG WLOOV\Q |YHU NUHGLWLQVWLWXW RFK YlUGHSDSSHUVERODJ RPIDWWDGHV lYHQ GH WLGLJDUH DY NUDYHW DWW GH VND KD VDPODWV LQ PHG VW|G DY I|UHVNULIWHU RP SHULRGLVN UDSSRUWHULQJ I|U DWW GH VND In EHKDQGODV L GDWDEDVHQ VH SURS V 'HW VRP DQJHV L GHQ ODJHQ NDQ GRFN LQWH DQVHV JH XWWU\FN I|U DWW GHW HQGDVW VNXOOH U|UD VLJ RP VnGDQ LQIRUPDWLRQ VRP VDPODWV LQ PHG VW|G DY I|UHVNULIWHU RP SHULRGLVN UDSSRUWHULQJ VH VDPPD SURS V ± RFK *HQRP HQ lQGULQJ DY QXPUHULQJHQ L EHVWlP PHOVHUQD L ODJHQ RP HQ GDWDEDV I|U |YHUYDNQLQJ DY RFK WLOOV\Q |YHU ILQDQVPDUNQDGHUQD VRP WUlGGH L NUDIW GHQ PDUV 6)6 NRP XSSJLIWHU VRP VDPODWV LQ PHG VW|G DY ODJHQ RP VlUVNLOG WLOOV\Q |YHU NUHGLWLQVWLWXW RFK YlUGHSDSSHUVERODJ HPHOOHUWLG DWW LQWH OlQJUH RPIDWWDV DY QlPQGD NUDY 'HQ lQGULQJHQ PRWLYHUDV GRFN LQWH L I|UDUEHWHQD VH SURS 0HG KlQV\Q WLOO GHW DQI|UGD RFK PHG EHDNWDQGH DY GHQ DNWXHOOD LQIRUPDWLRQHQV NDUDNWlU E|U NUDYHW DWW XSSJLIWHUQD VND KD VDPODWV LQ PHG VW|G DY I|UHVNULIWHU RP SHULRGLVN UDSSRUWHULQJ I|U DWW GH VND In EHKDQGODV L GDWDEDVHQ nWHU JlOOD lYHQ EHWUlIIDQGH ODJHQ RP VlUVNLOG WLOOV\Q |YHU NUHGLWLQVWLWXW RFK YlUGHSDSSHUVERODJ

(QOLJW ODJHQ PHG YLVVD EHVWlPPHOVHU RP 3HQVLRQVP\QGLJ KHWHQV SUHPLHSHQVLRQVYHUNVDPKHW † I|UVWD VW\FNHW I|UVWD VWUHFN VDWVHQ VND EHVWlPPHOVHU RP OlPQDQGH DY XSSO\VQLQJDU WLOO )LQDQV LQVSHNWLRQHQ L I|UVlNULQJVU|UHOVHODJHQ NDS † L O\GHOVH GHQ GHFHPEHU WLOOlPSDV 'HW LQQHEDU WLGLJDUH DWW XSSJLIWHU RP 3HQVLRQVP\QGLJKHWHQV SUHPLHSHQVLRQVYHUNVDPKHW ILFN EHKDQGODV L GDWDEDVHQ HQOLJW ODJHQ RP HQ GDWDEDV I|U |YHUYDNQLQJ DY RFK WLOOV\Q |YHU ILQDQVPDUNQDGHUQD RP GH VDPODWV LQ PHG VW|G DY I|UHVNULIWHU RP SHULRGLVN UDSSRUWHULQJ +lQYLVQLQJHQ WLOO I|UVlNULQJVU|UHOVHODJHQ L VLVWQlPQGD ODJHQ KDU GRFN QXPHUD lQGUDWV 'HQ lQGULQJHQ VRP WUlGGH L NUDIW GHQ MDQXDUL 6)6 ILFN WLOO I|OMG DWW XSSJLIWHU RP 3HQVLRQVP\QGLJKHWHQV SUHPLHSHQVLRQVYHUNVDPKHW LQWH OlQJUH InU EH KDQGODV L GDWDEDVHQ 'HQ NRQVHNYHQVHQ DY ODJlQGULQJHQ XSSPlUN VDPPDGHV LQRP UDPHQ I|U HWW DQQDW ODJVWLIWQLQJVlUHQGH PHQ I|UVW HIWHU DYVOXWDG UHPLWWHULQJ 'HW ILQQV QX DQOHGQLQJ DWW nWHUVWlOOD UlWWVOlJHW WLOO GHW VRP JlOOGH L IUnJDQ I|UH GHQ MDQXDUL , QlPQGD ODJVWLIWQLQJV

opaginerad Lagen om åtgärder mot penningtvätt och finansiering av terrorism Kontrollera mot PDF

lUHQGH I|UHVORJV HQ Q\ ODJ RP 3HQVLRQVP\QGLJKHWHQV I|UVlNULQJVYHUN VDPKHW L SUHPLHSHQVLRQVV\VWHPHW VH SURS , GHQ ODJHQ ODJHQ > @ RP 3HQVLRQVP\QGLJKHWHQV I|UVlNULQJVYHUNVDPKHW L SUHPLHSHQVLRQVV\VWHPHW VRP WUlGGH L NUDIW GHQ PDM DQJHV DWW 3HQVLRQVP\QGLJKHWHQ VND OlPQD )LQDQVLQVSHNWLRQHQ GH XSSO\VQLQJDU RP VLQ SUHPLHSHQVLRQVYHUNVDPKHW VRP LQVSHNWLRQHQ EHJlU NDS † 6nGDQD XSSJLIWHU E|U In EHKDQGODV HQOLJW ODJHQ RP HQ GDWDEDV I|U |YHU YDNQLQJ DY RFK WLOOV\Q |YHU ILQDQVPDUNQDGHUQD 'H XSSJLIWHU VRP InU KlPWDV LQ PHG VW|G DY GHQ I|UHVODJQD Q\D ODJHQ lU GRFN LQWH EDUD VnGDQD VRP VDPODV LQ JHQRP SHULRGLVN UDSSRUWHULQJ .UDYHW DWW XSSJLIWHUQD KDU VDPODWV LQ PHG VW|G DY I|UHVNULIWHU RP SHULRGLVN UDSSRUWHULQJ I|U DWW GH VND In EHKDQGODV L GDWDEDVHQ E|U GlUI|U JlOOD lYHQ XSSJLIWHU VRP VDPODWV LQ PHG VW|G DY GHQ ODJHQ

Lagen om åtgärder mot penningtvätt och finansiering av terrorism

, ODJHQ RP nWJlUGHU PRW SHQQLQJWYlWW RFK ILQDQVLHULQJ DY WHUURULVP NDS † DQJHV DWW GHQ JlOOHU I|U I|UVlNULQJVI|UPHGOLQJ HQOLJW I|UVlN ULQJVI|UPHGOLQJVODJHQ L IUnJD RP VnGDQ YHUNVDPKHW U|UDQGH OLYI|UVlN ULQJ EHGULYHQ DY DQGUD lQ DQNQXWQD I|UVlNULQJVI|UPHGODUH *HQRP GHQ ODJHQ JHQRPI|UV GHW V N WUHGMH SHQQLQJWYlWWVGLUHNWLYHW L VYHQVN UlWW (XURSDSDUODPHQWHWV RFK UnGHWV GLUHNWLY (* DY GHQ RNWREHU RP nWJlUGHU I|U DWW I|UKLQGUD DWW GHW ILQDQVLHOOD V\VWHPHW DQYlQGV I|U SHQQLQJWYlWW RFK ILQDQVLHULQJ DY WHUURULVP L VYHQVN UlWW , SURS I|UHVOnV HQ Q\ ODJ RP nWJlUGHU PRW SHQQLQJWYlWW RFK ILQDQVLHULQJ DY WHUURULVP /DJHQ lQGUDV LQWH L PDWHULHOOW KlQVHHQGH L I|UHYDUDQGH IUnJD

1lU GHW JlOOHU DYJUlQVQLQJHQ DY WLOOlPSQLQJVRPUnGHW I|U GHQ ODJHQ WLOO DWW HQGDVW DYVH YHUNVDPKHW U|UDQGH OLYI|UVlNULQJ VDNQDV DQOHGQLQJ DWW J|UD DQQDQ EHG|PQLQJ lQ GHQ VRP JMRUGHV YLG LQI|UDQGHW DY GHQ ODJHQ VH SURS V %HWUlIIDQGH XQGDQWDJHW I|U DQNQXWQD I|UVlN ULQJVI|UPHGODUH NUlYV HPHOOHUWLG HQ DQSDVVQLQJ XWLIUnQ I|UVODJHQ L GHQQD SURPHPRULD RP XSSGHOQLQJ DY I|UVlNULQJVI|UPHGODUH VRP KXYXG VDNOLJHQ I|UDQOHGV DY DWW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW WLOO VNLOOQDG IUnQ I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW LQWH LQQHKnOOHU QnJRQ GHILQLWLRQ DY DQNQXWQD I|UVlNULQJVI|UPHGODUH VH DYVQLWWHQ ± 8QGDQWDJHW I|U DQNQXWQD I|UVlNULQJVI|UPHGODUH I|OMHU DY GHW WUHGMH SHQQLQJWYlWWV GLUHNWLYHW VH DUWLNHO RFK GHILQLWLRQHQ DY ILQDQVLHOOW LQVWLWXW L DUWLNHO H RFK ElUV XSS DY SULQFLSHQ RP DWW HWW I|UVlNULQJVI|UHWDJ WDU GHW IXOOD DQVYDUHW I|U DQNQXWQD I|UVlNULQJVI|UPHGODUH VH VDPPD SURS $Y J|UDQGH V\QHV DOOWVn YDUD DWW QnJRQ DQQDQ VYDUDU I|U HIWHUOHYQDGHQ DY EO D SHQQLQJWYlWWVODJVWLIWQLQJHQ L I|UVlNULQJVI|UPHGODUHQV VWlOOH 'HW ILQQV DQOHGQLQJ DWW DQVOXWD VLJ WLOO GHWWD V\QVlWW (QOLJW GHQ RUGQLQJ VRP I|UHVOnV L SURPHPRULDQ NRPPHU VDPWOLJD I|UVlNULQJVI|UPHGODUH VRP LQWH DJHUDU Sn QnJRQ DQQDQV DQVYDU L QnJRQ IRUP DWW EHK|YD WLOOVWnQG I|U I|UVlNULQJVI|UPHGOLQJ 'HW lU GlUI|U OlPSOLJW DWW ODJHQ RP nWJlUGHU PRW SHQQLQJWYlWW RFK ILQDQVLHULQJ DY WHUURULVP JlOOHU I|U VDPWOLJD I|UVlN ULQJVI|UPHGODUH VRP KDU WLOOVWnQG RFK VRP EHGULYHU YHUNVDPKHW VRP DYVHU OLYI|UVlNULQJ

opaginerad 7LOOlPSQLQJVRPUnGH Kontrollera mot PDF

7LOOlPSQLQJVRPUnGH

,QOHGQLQJ

, DYVQLWW EHKDQGODV WLOOlPSQLQJVRPUnGHW I|U UHJHOYHUNHW I|U I|UVlNULQJV GLVWULEXWLRQ RFK YDG VRP LQQHIDWWDV L I|UVlNULQJVGLVWULEXWLRQ ,QOHG QLQJVYLV UHGRJ|UV I|U KXYXGVDNOLJ EDNJUXQG RFK YLVVD DOOPlQQD IUnJRU DYVQLWW 'lUHIWHU EHKDQGODV IUnJDQ RP KXU I|UVlNULQJVGLVWULEXWLRQ I|UKnOOHU VLJ WLOO LQYHVWHULQJVWMlQVWHU HQOLJW ODJHQ RP YlUGHSDSSHUV PDUNQDGHQ DYVQLWW 6OXWOLJHQ EHKDQGODV IUnJDQ RP YLOND UHJOHU I|UVlNULQJVI|UPHGODUH RFK I|UVlNULQJVI|UHWDJ VND I|OMD QlU GH XWI|U LQYHVWHULQJVWMlQVWHU DYVQLWW

$OOPlQW RP WLOOlPSQLQJVRPUnGHW

*lOODQGH UlWW

)|UVlNULQJVI|UPHGODUHV YHUNVDPKHW UHJOHUDV L GDJ L I|UVlNULQJV I|UPHGOLQJVODJHQ *HQRP GHQ ODJHQ JHQRPI|UV L KXYXGVDN I|UVlNULQJV I|UPHGOLQJVGLUHNWLYHW L VYHQVN UlWW

7LOOlPSQLQJVRPUnGHW I|U I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW RPIDWWDU YHUNVDPKHW VRP EHVWnU L DWW OlJJD IUDP I|UHVOn HOOHU XWI|UD DQQDW I|U EHUHGDQGH DUEHWH LQI|U LQJnHQGHW DY I|UVlNULQJVDYWDO HOOHU DWW LQJn Vn GDQD DYWDO HOOHU DWW ELVWn YLG I|UYDOWQLQJ RFK IXOOJ|UDQGH DY I|UVlNULQJV DYWDO VlUVNLOW YLG VNDGD DUWLNHO (Q PRWVYDUDQGH GHILQLWLRQ ILQQV L I|UVlNULQJVI|UPHGOLQJVODJHQ NDS † , I|UDUEHWHQD WLOO GHQ ODJHQ DQJHV DWW GHW FHQWUDOD PRPHQWHW L EHJUHSSHW I|UVlNULQJVI|UPHGOLQJ lU P|MOLJKHWHQ DWW SnYHUND NXQGHQV I|UVlNULQJVVN\GG SURS V

9DUNHQ I|UVlNULQJVI|UPHGOLQJVODJHQ HOOHU I|UVlNULQJVI|UPHGOLQJV GLUHNWLYHW lU WLOOlPSOLJW Sn I|UVlNULQJVI|UHWDJHQV GLUHNWI|UVlOMQLQJ DY I|UVlNULQJDU WLOO NXQGHU NDS † UHVSHNWLYH DUWLNHO DQGUD VW\FNHW

7LOOlPSQLQJVRPUnGH I|U UHJHOYHUNHW I|U I|UVlNULQJVGLVWULEXWLRQ

3URPHPRULDQV I|UVODJ 0HG I|UVlNULQJVGLVWULEXWLRQ VND L ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ DYVHV YHUNVDPKHW VRP EHVWnU L DWW JH UnG RP HOOHU I|UHVOn I|UVlNULQJVDYWDO HOOHU XWI|UD DQQDW I|UEHUHGDQGH DUEHWH LQQDQ I|UVlNULQJVDYWDO LQJnV I|U DQQDQV UlNQLQJ LQJn I|UVlNULQJVDYWDO HOOHU DWW ELVWn YLG I|UYDOWQLQJ RFK IXOOJ|UDQGH DY DYWDOHW

6RP I|UVlNULQJVGLVWULEXWLRQ VND LQWH DQVHV YHUNVDPKHW VRP EDUD EHVWnU L DWW KlQYLVD QnJRQ WLOO HWW I|UVlNULQJVI|UHWDJ HQ I|UVlNULQJV I|UPHGODUH HOOHU HQ SUHVXPWLY NXQG OlPQD DOOPlQ LQIRUPDWLRQ RP I|UVlNULQJ WLOO QnJRQ HOOHU LQRP UDPHQ I|U HQ DQQDQ \UNHVYHUNVDPKHW L HQVWDND IDOO OlPQD LQIRUPDWLRQ HOOHU JH UnG RP I|UVlNULQJ 'HVVXWRP VND YHUNVDPKHW VRP EHVWnU L VNDGHUHJOHULQJ XQGDQWDV

opaginerad /DJHQ RP I|UVlNULQJVGLVWULEXWLRQ VND LQWH WLOOlPSDV Sn VLGR Kontrollera mot PDF

/DJHQ RP I|UVlNULQJVGLVWULEXWLRQ VND LQWH WLOOlPSDV Sn VLGR

YHUNVDPPD I|UVlNULQJVI|UPHGODUH QlU GH GLVWULEXHUDU I|UVlNULQJDU

VRP NRPSOHWWHUDU HQ YDUD HOOHU WMlQVW RP I|UXWVlWWQLQJDUQD DQJnHQGH

I|UVlNULQJVVN\GGHWV RPIDWWQLQJ RFK SUHPLHQV VWRUOHN lU XSSI\OOGD

'HQ I|UVlNULQJVGLVWULEXW|U VRP HQJDJHUDU HQ VnGDQ I|UVlNULQJV

I|UPHGODUH VND GRFN VlNHUVWlOOD DWW YHUNVDPKHWHQ XSSI\OOHU YLVVD

JUXQGOlJJDQGH NUDY VDPW DWW NXQGHQ HUKnOOHU YLVV LQIRUPDWLRQ

6NlOHQ I|U SURPHPRULDQV I|UVODJ

Försäkringsdistributionsdirektivet

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHWV WLOOlPSQLQJVRPUnGH RPIDWWDU LQOHG

DQGH RFK EHGULYDQGH DY I|UVlNULQJV RFK nWHUI|UVlNULQJVGLVWULEXWLRQ

DUWLNHO 'HW VRP DQJHV L GHW I|OMDQGH RP I|UVlNULQJVGLVWULEXWLRQ

JlOOHU lYHQ GLVWULEXWLRQ DY nWHUI|UVlNULQJ RP LQWH DQQDW DQJHV

1lU GHW JlOOHU WLOOlPSQLQJVRPUnGHW ILQQV GHW PnQJD OLNKHWHU PHOODQ

I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RFK I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW

PHQ lYHQ YlVHQWOLJD VNLOOQDGHU 'HQ HQVNLOW PHVW EHW\GDQGH VNLOOQDGHQ lU

DWW lYHQ I|UVlNULQJVI|UHWDJHQV GLVWULEXWLRQ DY I|UVlNULQJDU RPIDWWDV DY

I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW , GHQQD GHO DYVHU UHJOHUQD GHW VRP

I|UVlNULQJVI|UHWDJ VND EHDNWD QlU GH VlOMHU I|UVlNULQJDU GLUHNW WLOO NXQGHU

PHQ lYHQ YLVVD nWJlUGHU VRP VND YLGWDV L |YULJW LQRP UDPHQ I|U VMlOYD

I|UVlNULQJVYHUNVDPKHWHQ MIU EO D UHJOHUQD RP LQIRUPDWLRQ WLOO NXQGHU L

DUWLNHO UHVSHNWLYH RP SURGXNWWLOOV\Q L DUWLNHO 6NlOHW WLOO DWW

I|UVlNULQJVI|UHWDJHQV YHUNVDPKHW RPIDWWDV DQJHV L GLUHNWLYHW YDUD DWW

NRQVXPHQWHU E|U HUKnOOD VDPPD VN\GGVQLYn REHURHQGH DY YLONHQ

GLVWULEXWLRQVNDQDO VRP I|UVlNULQJHQ WLOOKDQGDKnOOLWV JHQRP VNlOHQ RFK

)|U DWW JDUDQWHUD HQ RFK VDPPD VN\GGVQLYn E|U OLND YLOONRU WLOOlPSDV

I|U DOOD I|UVlNULQJVGLVWULEXW|UHU

, I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO GHILQLHUDV I|UVlN

ULQJVGLVWULEXWLRQ VRP

YHUNVDPKHW VRP EHVWnU L DWW JH UnG RP I|UHVOn HOOHU XWI|UD DQQDW

I|UEHUHGDQGH DUEHWH LQI|U LQJnHQGHW DY I|UVlNULQJVDYWDO DWW LQJn VnGDQD

DYWDO HOOHU DWW ELVWn YLG I|UYDOWQLQJ RFK IXOOJ|UDQGH DY VnGDQD DYWDO VlUVNLOW

YLG VNDGD LQEHJULSHW WLOOKDQGDKnOODQGH DY LQIRUPDWLRQ RP HWW HOOHU IOHUD

I|UVlNULQJVDYWDO L HQOLJKHW PHG NULWHULHU VRP NXQGHU YlOMHU YLD HQ ZHEESODWV

HOOHU DQGUD PHGLHU VDPW VDPPDQVWlOODQGH DY HQ UDQJRUGQLQJVOLVWD PHG

I|UVlNULQJVSURGXNWHU LQNOXVLYH SULV RFK SURGXNWMlPI|UHOVHU HOOHU UDEDWWHU

Sn I|UVlNULQJVDYWDOVSUHPLHU QlU NXQGHQ GLUHNW HOOHU LQGLUHNW NDQ LQJn HWW

I|UVlNULQJVDYWDO PHG KMlOS DY HQ ZHEESODWV HOOHU DQGUD PHGLHU

, GLUHNWLYHW ILQQV RFNVn HQ GHILQLWLRQ DY I|UVlNULQJVGLVWULEXW|U (Q

I|UVlNULQJVGLVWULEXW|U lU YDUMH I|UVlNULQJVI|UPHGODUH I|UVlNULQJVI|UPHG

ODUH VRP EHGULYHU I|UPHGOLQJ VRP VLGRYHUNVDPKHW HOOHU I|UVlNULQJV

I|UHWDJ DUWLNHO 9LGDUH GHILQLHUDV lYHQ UHVSHNWLYH XQGHUNDWHJRUL DY

I|UVlNULQJVGLVWULEXW|U YDU I|U VLJ L GLUHNWLYHW DUWLNHO ±

/LNVRP I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW XQGDQWDU I|UVlNULQJVGLVWULEX

WLRQVGLUHNWLYHW YLVV YHUNVDPKHW 6RP I|UVlNULQJVGLVWULEXWLRQ VND W H[ LQWH

DQVHV DWW LQRP UDPHQ I|U HQ DQQDQ \UNHVYHUNVDPKHW L HQVNLOGD IDOO

WLOOKDQGDKnOOD LQIRUPDWLRQ RP I|UVlNULQJ I|UXWVDWW DWW GHQQD YHUNVDPKHW

LQWH V\IWDU WLOO DWW ELVWn NXQGHQ PHG DWW LQJn HOOHU IXOOJ|UD HWW

opaginerad Genomförande i svensk rätt Kontrollera mot PDF

I|UVlNULQJVDYWDO DUWLNHO D 6RP H[HPSHO Sn SHUVRQHU VRP U\PV LQRP GHWWD XQGDQWDJ QlPQV L GLUHNWLYHW VNDWWHH[SHUWHU RFK UHYLVRUHU VNlO 6OXWOLJHQ VND \UNHVPlVVLJ KDQGOlJJQLQJ DY HWW I|UVlNULQJVI|UHWDJV VNDGRU VDPW YlUGHULQJ RFK UHJOHULQJ DY VNDGRU LQWH KHOOHU DQVHV YDUD I|UVlNULQJV GLVWULEXWLRQ

9LG VLGDQ DY GHVVD XQGDQWDJ J|UV L GLUHNWLYHW lYHQ HQ DQQDQ EHJUlQV QLQJ DY WLOOlPSQLQJVRPUnGHW 'HQQD EHJUlQVQLQJ JlOOHU L I|UKnOODQGH WLOO GLVWULEXWLRQ DY YLVVD I|UVlNULQJDU RFK ULVNHU RP GHQ XWI|UV YLG VLGDQ DY HQ KXYXGVDNOLJ \UNHVYHUNVDPKHW XQGHU I|UXWVlWWQLQJ DWW GHQ EO D NRPS OHWWHUDU HQ YDUD HOOHU HQ WMlQVW RFK I|UVlNULQJVSUHPLHQ LQWH |YHUVWLJHU L GLUHNWLYHW DQJLYQD EHORSS DUWLNHO

Genomförande i svensk rätt

8WJnQJVSXQNW

7LOOlPSQLQJVRPUnGHW I|U GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ E|U EHVWlPPDV PHG XWJnQJVSXQNW L GHQ GHILQLWLRQ DY I|UVlNULQJVGLVWULEXWLRQ VRP ILQQV L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO 9LGDUH E|U GH XQGDQWDJ VRP DQJHV L GLUHNWLYHW NRPPD WLOO XWWU\FN lYHQ L ODJHQ DUWLNODUQD RFK 'HW LQQHElU L KXYXGVDN DWW JlOODQGH EHVWlPPHOVHU L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ RP WLOOlPSQLQJVRPUnGH E|U I|UDV |YHU WLOO GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ 5HJOHUQD E|U GRFN lQGUDV L I|UKnOODQGH WLOO GH VNLOOQDGHU VRP I|UOLJJHU PHOODQ GLUHNWLYHW RFK I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW )|U DWW XSSI\OOD PLQLPLUHJOHUQD L GLUHNWLYHW E|U GHQ Q\D ODJHQV WLOOlPSQLQJVRPUnGH EO D XWYLGJDV WLOO DWW lYHQ RPIDWWD I|UVlNULQJVI|UHWDJV GLVWULEXWLRQ DY I|UVlNULQJDU

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHWV P\FNHW YLGD GHILQLWLRQ DY I|UVlN

ULQJVGLVWULEXWLRQ WLOOVDPPDQV PHG GH XQGDQWDJ RFK DQGUD EHJUlQVQLQJDU VRP RFNVn ILQQV L GLUHNWLYHW YlFNHU PRWVYDUDQGH IUnJRU VRP YLG JHQRPI|UDQGHW L VYHQVN UlWW DY I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW QlU GHW JlOOHU YLOND W\SHU DY YHUNVDPKHWHU VRP RPIDWWDV VDPW YLOND RPVWlQ GLJKHWHU VRP KDU EHW\GHOVH YLG EHG|PQLQJHQ 'H |YHUYlJDQGHQ RFK VWlOOQLQJVWDJDQGHQ VRP KDU JMRUWV L WLGLJDUH ODJVWLIWQLQJVlUHQGH QlU GHW JlOOHU EHJUHSSHW I|UVlNULQJVI|UPHGOLQJ lU L KXYXGVDN UHOHYDQWD lYHQ L I|UHYDUDQGH ODJVWLIWQLQJVlUHQGH VH SURS V ± 'H UlWWVNlOORU VRP I|UHNRPPHU L DQVOXWQLQJ GHQ JlOODQGH ODJVWLIWQLQJHQ Sn RPUnGHW WRUGH VnOHGHV NXQQD JH YLVV YlJOHGQLQJ lYHQ IRUWVlWWQLQJVYLV

1lU I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW JHQRPI|UV L VYHQVN UlWW LQI|UV EHJUHSSHW I|UVlNULQJVGLVWULEXWLRQ L GHQ Q\D ODJHQ YLONHW RFNVn RPIDWWDU I|UVlNULQJVI|UHWDJHQV GLUHNWI|UVlOMQLQJ WLOO NXQGHU 'HW lU GlUI|U PRWLYHUDW DWW QHGDQ UHGRYLVD HQ |YHUJULSDQGH EHG|PQLQJ DY GH IUnJRU VRP QlPQV RYDQ 'HQ QlUPDUH JUlQVGUDJQLQJHQ NULQJ WLOOlPS QLQJVRPUnGHW lU GRFN \WWHUVW HQ IUnJD I|U UlWWVWLOOlPSQLQJHQ

$OOPlQW RP GHILQLWLRQHQ DY I|UVlNULQJVGLVWULEXWLRQ

(Q UHQ ERNVWDYVWRONQLQJ DY GHILQLWLRQHQ L I|UVlNULQJVGLVWULEXWLRQVGLUHN WLYHW JHU QlUPDVW LQWU\FN DY DWW DOO YHUNVDPKHW VRP Sn QnJRW VlWW KDU DQ NQ\WQLQJ WLOO HWW I|UVlNULQJVDYWDO XWJ|U I|UVlNULQJVGLVWULEXWLRQ MIU GHILQL WLRQHQ DY I|UVlNULQJVI|UPHGOLQJ L DUWLNHO L I|UVlNULQJVI|UPHG

opaginerad OLQJVGLUHNWLYHW RFK VDPPD SURS V I 0RW EDNJUXQG DY GLUHNWLYHWV Kontrollera mot PDF

OLQJVGLUHNWLYHW RFK VDPPD SURS V I 0RW EDNJUXQG DY GLUHNWLYHWV

LQQHKnOO L |YULJW E|U GHW GRFN XQGHUVWU\NDV DWW HQ VnGDQ VWULNW WRONQLQJ

YDUNHQ IUDPVWnU VRP ULNWLJ HOOHU ULPOLJ %HJUHSSHW I|UVlNULQJVGLVWULEXWLRQ

E|U L VWlOOHW WRONDV L OMXVHW DY GHW JUXQGOlJJDQGH V\IWHW PHG GLUHNWLYHW

GYV DWW VWlOOD XSS K|JD NUDY Sn \UNHVNYDOLILNDWLRQHU I|U VnGDQD DNW|UHU

VRP VSHODU HQ FHQWUDO UROO YLG N|S RFK I|UVlOMQLQJ DY I|UVlNULQJDU

0HG HQ VnGDQ XWJnQJVSXQNW NDQ GHW LQOHGQLQJVYLV NRQVWDWHUDV DWW GHQ

VRP \UNHVPlVVLJW KMlOSHU SRWHQWLHOOD I|UVlNULQJVWDJDUH PHG DWW YlOMD

DQRUGQD HOOHU YLGPDNWKnOOD HWW I|UVlNULQJVVN\GG HOOHU ELWUlGD I|UVlN

ULQJVWDJDUH YLG I|UVlNULQJVIDOO W\SLVNW VHWW InU DQVHV lJQD VLJ nW I|UVlN

ULQJVGLVWULEXWLRQ MIU VNlO WLOO I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW (Q

DQQDQ \UNHVJUXSS VRP W\GOLJW IDOOHU LQRP WLOOlPSQLQJVRPUnGHW lU GH VRP

\UNHVPlVVLJW ELVWnU I|UVlNULQJVI|UHWDJ L GHUDV I|UVlOMQLQJVYHUNVDPKHW RFK

L GHQQD UROO XSSWUlGHU VRP PHOODQPlQ L I|UKnOODQGHW PHOODQ

I|UVlNULQJVJLYDUHQ RFK I|UVlNULQJVWDJDUHQ bYHQ VnGDQ DJHQWXU

YHUNVDPKHW VRP XWI|UV DY GHQ VRP XWYHFNODU I|UVlNULQJVSURGXNWHU RFK

VDPPDUEHWDU PHG I|UVlNULQJVI|UHWDJ JHQRP DWW SODFHUD ULVNHU KRV GHVVD

IDOOHU LQRP WLOOlPSQLQJVRPUnGHW 'HQ JHPHQVDPPD QlPQDUHQ I|U GHQ

W\S DY YHUNVDPKHW VRP EHVNULYV RYDQ lU DWW GHVVD KDU P|MOLJKHW DWW direkt

påverka NXQGHUQDV I|UVlNULQJVVN\GG 'HQ JUXQGOlJJDQGH WDQNHQ EDNRP

GLUHNWLYHW RFK GlUPHG lYHQ GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ lU

DWW VnGDQ YHUNVDPKHW lYHQ IRUWVlWWQLQJVYLV HQGDVW E|U XW|YDV DY SHUVRQHU

VRP XSSI\OOHU W\GOLJD NUDY QlU GHW JlOOHU EO D I|UVlNULQJVGLVWULEXWLRQHQ

VDPW NXQVNDS RFK NRPSHWHQV 'H E|U RFNVn KD HQ VN\OGLJKHW DWW JH

NXQGHQ DGHNYDWD UnG RFK WLOOKDQGDKnOOD NXQGHQ Q|GYlQGLJ LQIRUPDWLRQ

0HG GHQ XWJnQJVSXQNWHQ NDQ GHW UHGDQ QX NRQVWDWHUDV DWW GHQ YHUN

VDPKHW VRP EHGULYV DY GH V N DGPLQLVWUDWLRQVERODJHQ LQRP GHQ NROOHN

WLYDYWDODGH WMlQVWHSHQVLRQVI|UVlNULQJHQ QRUPDOW LQWH NDQ DQVHV XWJ|UD

I|UVlNULQJVGLVWULEXWLRQ 'HUDV YHUNVDPKHW EHVWnU L DGPLQLVWUDWLRQ DY

I|UVlNULQJDU YDUV YLOONRU IDVWVWlOOWV JHQRP |YHUHQVNRPPHOVHU PHOODQ

DUEHWVPDUNQDGHQV SDUWHU 6nGDQ YHUNVDPKHW lU DY HQ DQQDQ DUW lQ GHQ

YHUNVDPKHW VRP EHVNULYV RYDQ )|U NROOHNWLYDYWDOVJUXQGDGH I|UVlNULQJDU

ILQQV GHW GHVVXWRP VHGDQ OnQJ WLG HWW YlO XWYHFNODW NXQGVN\GG 1lU GHW

JlOOHU PRWVYDUDQGH I|UVlNULQJVDGPLQLVWUDWLRQ XWDQI|U GHW NROOHNWLY

DYWDODGH WMlQVWHSHQVLRQVRPUnGHW V N LQGLYLGXHOO WMlQVWHSHQVLRQ J|U VLJ L

PnQJD IDOO PRWVYDUDQGH VNlO JlOODQGH bYHQ L GHVVD IDOO IDVWVWlOOV

WMlQVWHSHQVLRQVSODQHUQDV LQQHKnOO JHQRP XSSKDQGOLQJVI|UIDUDQGHQ RIWD

XQGHU PHGYHUNDQ DY NYDOLILFHUDGH SDUWHU L IRUP DY I|UVlNULQJVJLYDUH RFK

DUEHWVJLYDUH VDPW GHUDV RPEXG 'HW NDQ GRFN QRWHUDV DWW GHVVD XSSKDQG

OLQJDU RFK DQGUD I|UIDUDQGHQ L K|J JUDG YDULHUDU L WRWDO SUHPLHVWRUOHN RFK

|YULJ RPIDWWQLQJ bYHQ I|UKDQGOLQJVSDUWHUQDV NXQVNDSHU RFK HUIDUHQKHW

lU DY YDULHUDQGH VODJ %ODQG DQQDW HIWHUVRP LQGLYLGXHOOD WMlQVWHSHQVLRQV

SODQHU VDPODU NROOHNWLY VRP EHVWnU DY IlUUH LQGLYLGHU lQ PRWVYDUDQGH

SODQHU Sn GHW NROOHNWLYDYWDODGH RPUnGHW EOLU GH YDOEDUD SURGXNWHUQD RIWD

G\UDUH 'HWWD NDQ UHVXOWHUD L DWW DQVWlOOGD InU OlJUH SHQVLRQ lQ YDG VRP

EOLYLW IDOOHW XQGHU HQ NROOHNWLYDYWDODG WMlQVWHSHQVLRQVSODQ +XUXYLGD Vn

EOLU IDOOHW EHURU HPHOOHUWLG lYHQ Sn GHQ YlUGHXWYHFNOLQJ VRP SURGXNWHUQD

XQGHU SHQVLRQVSODQHQ KDU )|UXWVDWW DWW I|UIDUDQGHW XSSI\OOHU

PRWVYDUDQGH JUDG DY NXQGVN\GG VRP XSSQnV Sn GHW NROOHNWLYDYWDODGH

RPUnGHW VDPW DWW YHUNVDPKHWHQ LQVNUlQNHU VLJ WLOO UHQ DGPLQLVWUDWLRQ E|U

GRFN LQWH KHOOHU DNW|UHU VRP DGPLQLVWUHUDU LQGLYLGXHOOD WMlQVWHSHQVLRQV

opaginerad JUXSSI|UHWUlGDUHQ DQVHV DJHUD VRP HQ XSSGUDJVWDJDUH VRP IXOOJ|U Kontrollera mot PDF

SODQHU DQVHV XW|YD I|UVlNULQJVGLVWULEXWLRQ 0HG DGPLQLVWUDWLRQ E|U L GHWWD VDPPDQKDQJ DYVHV W H[ YLGDUHEHIRUGUDQ DY LQIRUPDWLRQ RFK DQQDQ VXPPDULVN YHUNVDPKHW VRP LQWH LQQHIDWWDU UnGJLYQLQJ HOOHU DQGUD EHG|PQLQJDU VRP GLUHNW NDQ SnYHUND NXQGHQV I|UVlNULQJVVLWXDWLRQ VH lYHQ DYVQLWW RP WMlQVWHUSHQVLRQVI|UVlNULQJVSODQHU %HG|PQLQJHQ DY YLOND I|UIDUDQGHQ VRP XSSI\OOHU NUDYHQ Sn NXQGVN\GG RFK YDU JUlQVHQ JnU L I|UKnOODQGH WLOO YDG VRP XWJ|U UHQ DGPLQLVWUDWLRQ InU \WWHUVW JUXQGDV Sn RPVWlQGLJKHWHUQD L GHW HQVNLOGD IDOOHW

$Y GHILQLWLRQHQ DY I|UVlNULQJVGLVWULEXWLRQ L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW DUWLNHO IUDPJnU GHW YLGDUH DWW I|UHPnOHW I|U GLVWULEX WLRQHQ VND YDUD HWW I|UVlNULQJVDYWDO 0HG GHWWD E|U DYVHV HWW DYWDO RP I|UVlNULQJ VRP LQJnV PHOODQ HQ I|UVlNULQJVJLYDUH RFK HQ I|UVlN ULQJVWDJDUH 'HWWD XWHVOXWHU VnOHGHV EO D DNWLYLWHWHU PHG DQNQ\WQLQJ WLOO 3HQVLRQVP\QGLJKHWHQV SUHPLHSHQVLRQVYHUNVDPKHW 'HW NDQ GRFN ILQQDV DQOHGQLQJ DWW J|UD EHG|PQLQJHQ DWW GHW VRP DQJHV L DYVQLWW QHGDQ RP JUlQVGUDJQLQJVIUnJRU RFK NUDY Sn WLOOVWnQG I|U YlUGHSDSSHUVU|UHOVH L RFK I|U VLJ lYHQ lU JLOWLJW L IUnJD RP SUHPLHSHQVLRQVUnGJLYQLQJ RFK I|UYDOW QLQJ VH lYHQ SURS V 9LGDUH NDQ HQ I|UVlNULQJV WDJDUHV HJQD GLVSRVLWLRQHU LQRP HWW UHGDQ VOXWHW I|UVlNULQJVDYWDO LQWH KHOOHU DQVHV YDUD I|UVlNULQJVGLVWULEXWLRQ 'HQ VRP GlUHPRW JHU UnG WLOO I|UVlNULQJVWDJDUHQ HOOHU HQ I|UVlNUDG RP OlPSOLJD GLVSRVLWLRQHU HOOHU VRP Sn DQQDW VlWW DNWLYW GHOWDU L GLVSRVLWLRQHUQD InU QRUPDOW DQVHV lJQD VLJ nW I|UVlNULQJVGLVWULEXWLRQ 'HWWD JlOOHU GRFN PHG XQGDQWDJ I|U WMlQVWHU VRP HQOLJW ODJHQ LQWH VND DQVHV VRP I|UVlNULQJVGLVWULEXWLRQ MIU NDS †

/LNVRP YLG LQI|UDQGHW DY I|UVlNULQJVI|UPHGOLQJVODJHQ E|U HQ |YHU JULSDQGH EHG|PQLQJ J|UDV DY KXU JUXSSI|UHWUlGDUH LQRP UDPHQ I|U NROOHNWLY I|UVlNULQJ VND EHKDQGODV L GHWWD VDPPDQKDQJ MIU SURS V 9LG REOLJDWRULVN JUXSSI|UVlNULQJ DQVHV I|UVlNULQJV DYWDOHW YDUD LQJnQJHW PHOODQ I|UVlNULQJVJLYDUHQ RFK JUXSSI|UHWUlGDUHQ NDS † DQGUD VW\FNHW RFK NDS † DQGUD VW\FNHW I|UVlNULQJV DYWDOVODJHQ > @ 9LG GLVWULEXWLRQ DY GHQQD W\S DY I|UVlNULQJDU lU GHW DOOWVn QRUPDOW JUXSSI|UHWUlGDUHQ RFK LQWH GH I|UVlNUDGH VRP lU DWW DQVH VRP I|UVlNULQJVGLVWULEXW|UHQV NXQG )|OMDNWOLJHQ VND I|UVlNULQJV GLVWULEXW|UHQ L VnGDQD IDOO IXOOJ|UD VLQD VN\OGLJKHWHU L I|UKnOODQGH WLOO JUXSSI|UHWUlGDUHQ 1lU GHW VHGDQ JlOOHU IULYLOOLJD JUXSSI|UVlNULQJDU DQVHV I|UVlNULQJVDYWDOHW GlUHPRW YDUD LQJnQJHW PHOODQ I|UVlNULQJVJLYDUHQ RFK UHVSHNWLYH JUXSSPHGOHP NDS † I|UVWD VW\FNHW RFK NDS † I|UVWD VW\FNHW I|UVlNULQJVDYWDOVODJHQ YDUI|U GHQ VHQDUH lYHQ XWJ|U NXQG 9LG IULYLOOLJ JUXSSI|UVlNULQJ NDQ DQVOXWQLQJ WLOO DYWDOHW GRFN VNH DQWLQJHQ YLD HQ JUXSSI|UHWUlGDUH HOOHU GLUHNW WLOO I|UVlNULQJVJLYDUHQ )UnJD NDQ VlUVNLOW L GH IDOOHQ XSSVWn RP JUXSSI|UHWUlGDUHQ VND DQVHV VRP I|UVlNULQJV GLVWULEXW|U , GHVVD IDOO E|U GHW GRFN ILQQDV HWW YLVVW XWU\PPH I|U JUXSSI|UHWUlGDUHQ DWW IXOOJ|UD XSSJLIWHU HQOLJW JUXSSDYWDOHW I|U I|UVlNULQJVGLVWULEXW|UHQ XWDQ DWW GHQ YHUNVDPKHWHQ I|U GHQ VNXOO VMlOYVWlQGLJW VND EHWUDNWDV VRP I|UVlNULQJVGLVWULEXWLRQ 'HWWD JlOOHU HPHOOHUWLG HQGDVW RP JUXSSI|UHWUlGDUHQ KDU LQWUHVVHJHPHQVNDS PHG PHGOHPPDUQD VnVRP W H[ HWW IDFNI|UEXQG HOOHU HQ LQWUHVVHRUJDQLVDWLRQ L I|UKnOODQGH WLOO VLQD PHGOHPPDU 8QGHU VnGDQD RPVWlQGLJKHWHU InU

JUXSSI|UHWUlGDUHQ DQVHV DJHUD VRP HQ XSSGUDJVWDJDUH VRP IXOOJ|U

I|USOLNWHOVHU VRP I|UVlNULQJVGLVWULEXW|UHQ L RFK I|U VLJ lU DQVYDULJ I|U

opaginerad JUXSSI|UHWUlGDUHQ DQVHV DJHUD VRP HQ XSSGUDJVWDJDUH VRP IXOOJ|U Kontrollera mot PDF

HIWHUVRP JUXSSI|UHWUlGDUHQ LQWH NDQ KD QnJUD VMlOYVWlQGLJD I|UVlNULQJV

GLVWULEXWLRQVUlWWVOLJD I|USOLNWHOVHU L I|UKnOODQGH WLOO NXQGHUQD JUXSS

PHGOHPPDUQD (Q DQQDQ VDN lU WLOOlPSQLQJVIUnJDQ HQGDVW DNWXDOLVHUDV L

GH IDOO JUXSSI|UHWUlGDUHQ WDU HPRW HUVlWWQLQJ I|U VLWW DUEHWH 2P LQJHQ

HUVlWWQLQJ XWJnU I|UHOLJJHU LQWH I|UVlNULQJVGLVWULEXWLRQ

2P HQ REOLJDWRULVN HOOHU IULYLOOLJ JUXSSI|UVlNULQJ LQQHKnOOHU GHODU VRP

J|U DWW GHQ I|UVlNUDGH NDQ SnYHUND I|UVlNULQJVVN\GGHWV RPIDWWQLQJ WRUGH

GRFN UnG JHQWHPRW HQ HQVNLOG JUXSSPHGOHP VRP JHV PRW HUVlWWQLQJ

DOOWLG DQVHV XWJ|UD I|UVlNULQJVGLVWULEXWLRQ YLONHW HQGDVW InU XWI|UDV DY HQ

I|UVlNULQJVGLVWULEXW|U RDYVHWW RP UnGHW WLOOKDQGDKnOOV DY JUXSSI|UH

WUlGDUHQ HOOHU QnJRQ DQQDQ

Krav på yrkesmässighet tas bort

(QOLJW GHILQLWLRQHQ DY I|UVlNULQJVI|UPHGODUH L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW lU GHW EDUD MXULGLVND RFK I\VLVND SHUVRQHU VRP EHGULYHU I|UVlNULQJVGLVWULEXWLRQ PRW HUVlWWQLQJ VRP RPIDWWDV DY GLUHNWLYHWV WLOOlPSQLQJVRPUnGH 'HWWD PRWVYDUDV DY GHW VRP JlOOHU HQOLJW I|UVlN ULQJVI|UPHGOLQJVGLUHNWLYHW L I|UKnOODQGH WLOO EHJUHSSHW I|UVlNULQJV I|UPHGOLQJ MIU VNlO WLOO I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW RFK DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW , I|UVlNULQJVI|UPHGOLQJVODJHQ ILQQV HPHOOHUWLG L GDJ OLNVRP L GHQ QXPHUD XSSKlYGD ODJHQ RP I|UVlNULQJVPlNODUH L VWlOOHW I|U HWW NUDY Sn HUVlWWQLQJ HWW UHNYLVLW RP DWW I|UPHGOLQJHQ VND VNH ´\UNHVPlVVLJW´ ,QQHE|UGHQ DY GHWWD NUDY XWYHFNODV QlUPDUH L I|UDUEHWHQD WLOO GHQ VLVWQlPQGD ODJHQ VH SURS V RFK SURS V 'lU DQJHV EHWUlIIDQGH QlULQJVLGNDUH VRP KDU VLQ YDQOLJD YHUNVDPKHW LQRP HWW DQQDW \UNHV RPUnGH DWW GHW lU DY VlUVNLOG EHW\GHOVH I|U EHG|PQLQJHQ L YDG PnQ I|UPHGOLQJHQ lU HQ nWHUNRPPDQGH I|UHWHHOVH RFK L YDG PnQ I|UPHGOLQJHQ DY I|UVlNULQJDU LQJnU VRP HQ LQWHJUHUDG GHO L QlULQJVLGNDUHQV |YULJD YHUNVDPKHW (Q DQQDQ RPVWlQGLJKHW DY EHW\GHOVH I|U EHG|PQLQJHQ lU HQOLJW I|UDUEHWHQD RFNVn KXU QlULQJVLGNDUHQ PDUNQDGVI|U VLQ YHUNVDPKHW , EHJUHSSHW \UNHVPlVVLJKHW InU DQVHV LQJn DWW I|UVlNULQJVI|UPHGOLQJHQ XWI|UV PRW QnJRQ IRUP DY HNRQRPLVNW XWE\WH

'HW NDQ NRQVWDWHUDV DWW I|UDUEHWVXWWDODQGHQD V\QHV PHGJH XQGDQWDJ I|U YHUNVDPKHW VRP VNHU PRW HUVlWWQLQJ RFK XSSI\OOHU |YULJD UHNYLVLW L I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW XQGHU I|UXWVlWWQLQJ DWW GHQ LQWH NDQ DQ VHV \UNHVPlVVLJ +XU NUDYHW Sn \UNHVPlVVLJKHW I|UKnOOHU VLJ WLOO GH XWWU\FNOLJD XQGDQWDJ VRP DQJHV L GHW GLUHNWLYHW QlUPDVW DYVHHQGH I|UPHGOLQJ L DQVOXWQLQJ WLOO DQQDQ \UNHVYHUNVDPKHW DUWLNHO WUHGMH VW\FNHW XWYHFNODV LQWH L GHW VDPPDQKDQJHW )UnJDQ lU KlU RP HWW VnGDQW PRWVYDUDQGH NUDY L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ VNXOOH Jn I|U OnQJW RFK GlUPHG EHJUlQVD WLOOlPSQLQJVRPUnGHW L I|UKnOODQGH WLOO YDG VRP lU P|MOLJW HQOLJW PLQLPLUHJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 'HW ILQQV KlU DQOHGQLQJ DWW J|UD EHG|PQLQJHQ ± WLOO VNLOOQDG IUnQ RYDQ UHGRYLVDGH XWWDODQGHQ L I|UDUEHWHQD WLOO I|UVlNULQJVPlNODUODJHQ RFK I|UVlNULQJVI|UPHGOLQJVODJHQ ± DWW Vn NDQ YDUD IDOOHW 'HW ILQQV LQJHW XWU\PPH L GHQ GHOHQ DWW VWlOOD XSS \WWHUOLJDUH NUDY Sn YDG VRP VND DQVHV VRP I|UVlNULQJVGLVWULEXWLRQ lQ GH VRP DQJHV L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW , YDUW IDOO LQWH RP GHW OHGHU WLOO DWW VnGDQ YHUNVDPKHW RPIDWWDV

DY PLQGUH VWUlQJD UHJOHU lQ GH L GLUHNWLYHW (Q DQQDQ VDN lU DWW GHQ

opaginerad Skillnaden mellan att tillhandahålla råd, rådgivning och att föreslå försäkringsavtal Kontrollera mot PDF

lQGULQJHQ WRUGH KD PLQGUH SUDNWLVN EHW\GHOVH Sn PDUNQDGHQ I|U I|UVlNULQJVGLVWULEXWLRQ HIWHUVRP GH RPVWlQGLJKHWHUQD VRP EHU|UV L QlPQGD I|UDUEHWHQ WLOO YLVV GHO XQGDQWDV HQOLJW UHJOHUQD RP DWW WLOOKDQGDKnOOD LQIRUPDWLRQ HOOHU UnG RP I|UVlNULQJ LQRP UDPHQ I|U HQ DQQDQ \UNHVYHUNVDPKHW HOOHU DOOPlQ LQIRUPDWLRQ MIU DUWLNHO D RFK G L GLUHNWLYHW 0RW GHQ EDNJUXQGHQ VDNQDV VNlO DWW VWlOOD XSS HWW NUDY DYVHHQGH \UNHVPlVVLJKHW L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

Skillnaden mellan att tillhandahålla råd, rådgivning och att föreslå försäkringsavtal

'HILQLWLRQHQ DY EHJUHSSHW I|UVlNULQJVGLVWULEXWLRQ L GLUHNWLYHW DYYLNHU

IUnQ GHILQLWLRQHQ DY I|UVlNULQJVI|UPHGOLQJ L I|UVlNULQJVI|UPHGOLQJV GLUHNWLYHW EO D Sn Vn VlWW DWW RUGHQ lägga fram KDU HUVDWWV PHG DWW ge råd om 'HQQD lQGULQJ E|U NRPPD WLOO XWWU\FN L GHQ Q\D ODJHQ RP I|UVlN ULQJVGLVWULEXWLRQ 'HWWD I|UDQOHGHU GRFN LQWH QnJRQ lQGULQJ L VDN DY GHW WLOOVWnQGVSOLNWLJD RPUnGHW 0HG DQGUD RUG InU lYHQ DWW OlJJD IUDP I|UVlN ULQJVDYWDO OLNVRP L GDJ DQVHV RPIDWWDV DY GHW UHJOHUDGH RPUnGHW GYV I|UVlNULQJVGLVWULEXWLRQ 'HW LQQHElU DWW XWU\PPHW I|U DWW W H[ PDUNQDGV I|UD I|UVlNULQJVSURGXNWHU RFK SURGXNWHU PHG NODU DQNQ\WQLQJ WLOO HWW I|UVlNULQJVDYWDO W H[ ILQDQVLHOOD LQVWUXPHQW XWDQ DWW RPIDWWDV DY WLOOlPSQLQJVRPUnGHW I|U UHJHOYHUNHW lYHQ IRUWVlWWQLQJVYLV WRUGH YDUD P\FNHW EHJUlQVDW

'HQ QX DNWXHOOD lQGULQJHQ L GLUHNWLYHW E|U VHV XWLIUnQ GHQ Q\D UHJOHULQJ NULQJ rådgivning RP I|UVlNULQJVDYWDO VRP GLUHNWLYHW LQWURGXFHUDU 'HW NDQ L GHW VDPPDQKDQJHW NRQVWDWHUDV DWW LQQHE|UGHQ DY RUGHQ ´JH UnG´ RFK ´UnGJLYQLQJ´ UHVSHNWLYH ´DWW I|UHVOn´ LQWH VNLOMHU VLJ QlPQYlUW nW L GDJOLJW WDO 0HG I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RFK WHUPLQRORJLQ L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ I|UKnOOHU GHW VLJ GRFN GHOYLV DQQRUOXQGD $WW JH UnG RP I|UVlNULQJVDYWDO E|U HQOLJW GHQ Q\D ODJHQ XWJ|UD I|UVlN ULQJVGLVWULEXWLRQ YLONHW L YLG PHQLQJ L SULQFLS RPIDWWDU DOO LQIRUPDWLRQ RFK DOOD GH UnG VRP NDQ OlPQDV L DQVOXWQLQJ WLOO I|UVlNULQJVDYWDO %ODQG GHVVD NDQ QlPQDV ELWUlGH YLG NXQGHQV YDO DY I|UVlNULQJVI|UHWDJ I|UVlN ULQJVW\S I|UVlNULQJVDYWDO I|UVlNULQJVEHORSS RFK I|UPnQVWDJDUI|URUG QDQGH %ODQG GHVVD UnG LQWDU HPHOOHUWLG ELWUlGH VRP HQOLJW GLUHNWLYHW GHILQLWLRQVPlVVLJW RFNVn XWJ|U UnGJLYQLQJ HQ VlUVWlOOQLQJ 5nGJLYQLQJ lU UnG VRP LQQHElU DWW I|UVlNULQJVGLVWULEXW|UHQ WLOOKDQGDKnOOHU HQ SHUVRQOLJ UHNRPPHQGDWLRQ L IUnJD RP HWW HOOHU IOHUD I|UVlNULQJVDYWDO MIU DUWLNHO 'HWWD LQQHElU HQ LQGLYLGXDOLVHUDG UHNRPPHQGDWLRQ WLOO NXQGHQ DWW I|UIDUD Sn HWW YLVVW VlWW GYV W H[ HQ UHNRPPHQGDWLRQ DWW WHFNQD HOOHU EHKnOOD HQ YLVV I|UVlNULQJ 'HQ VNLOOQDG VRP GLUHNWLYHW J|U PHOODQ UnG RFK UnGJLYQLQJ E|U NRPPD WLOO XWWU\FN L ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ 0HG DQGUD RUG lU GHW VDPPDQIDWWQLQJVYLV OnQJW LIUnQ DOOD W\SHU DY ELWUlGH VRP RPIDWWDV DY ´UnG´ RP I|UVlNULQJVDYWDO VRP RFNVn E|U XWJ|UD ´UnGJLYQLQJ´ DYVHHQGH I|UVlNULQJVDYWDO L GHQ Q\D ODJHQV PHQLQJ

)|UHELOGHQ I|U GHILQLWLRQHQ DY UnGJLYQLQJ L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW ILQQV L GHILQLWLRQHQ DY LQYHVWHULQJVUnGJLYQLQJ L (XURSDSDUOD PHQWHWV RFK UnGHWV GLUHNWLY (* DY GHQ DSULO RP PDUNQDGHU I|U ILQDQVLHOOD LQVWUXPHQW RFK RP lQGULQJ DY UnGHWV GLUHNWLY ((* RFK ((* RFK (XURSDSDUODPHQWHWV RFK UnGHWV GLUHNWLY

(* VDPW XSSKlYDQGH DY UnGHWV GLUHNWLY ((* I|UNRUWDW

opaginerad 0L),' , RFK (XURSDSDUODPHQWHWV RFK UnGHWV GLUHNWLY (8 DY GHQ Kontrollera mot PDF

0L),' , RFK (XURSDSDUODPHQWHWV RFK UnGHWV GLUHNWLY (8 DY GHQ

PDM RP PDUNQDGHU I|U ILQDQVLHOOD LQVWUXPHQW RFK RP lQGULQJ DY

GLUHNWLY (* RFK DY GLUHNWLY (8 I|UNRUWDW 0L),' ,,

MIU DUWLNHO L GH EnGD GLUHNWLYHQ 'HQ QlUPDUH WLOOlPSQLQJHQ DY GHQ

LQYHVWHULQJVWMlQVWHQ IUDPJnU DY GHW V N JHQRPI|UDQGHGLUHNWLYHW WLOO

0L),' , NRPPLVVLRQHQV GLUHNWLY (* DY GHQ DXJXVWL

RP JHQRPI|UDQGHW DY (XURSDSDUODPHQWHWV RFK UnGHWV GLUHNWLY

(* YDG JlOOHU RUJDQLVDWRULVND NUDY RFK YLOONRU I|U YHUNVDPKHWHQ

L YlUGHSDSSHUVI|UHWDJ RFK GHILQLWLRQHU I|U WLOOlPSQLQJ DY GHW GLUHNWLYHW

3UHFLVHULQJHQ KDU |YHUI|UWV RI|UlQGUDG WLOO GHQ GHOHJHUDGH I|URUGQLQJHQ

WLOO 0L),' ,, NRPPLVVLRQHQV GHOHJHUDGH I|URUGQLQJ DY GHQ DSULO

RP NRPSOHWWHULQJ DY (XURSDSDUODPHQWHWV RFK UnGHWV GLUHNWLY (8

YDG JlOOHU RUJDQLVDWRULVND NUDY RFK YLOONRU I|U YHUNVDPKHWHQ L

YlUGHSDSSHUVI|UHWDJ RFK GHILQLWLRQHU I|U WLOOlPSQLQJ DY GHW GLUHNWLYHW

(QOLJW DUWLNHO L GHQ GHOHJHUDGH I|URUGQLQJHQ lU GHW IUnJD RP HQ

SHUVRQOLJ UHNRPPHQGDWLRQ RP UHNRPPHQGDWLRQHQ JHV WLOO HQ SHUVRQ L

HJHQVNDS DY LQYHVWHUDUH HOOHU SUHVXPWLY LQYHVWHUDUH HOOHU L HJHQVNDS DY

RPEXG I|U HQ LQYHVWHUDUH HOOHU SUHVXPWLY LQYHVWHUDUH 5HNRPPHQ

GDWLRQHQ VND W H[ DYVH DWW N|SD VlOMD WHFNQD VLJ I|U E\WD O|VD LQ

EHKnOOD HOOHU JDUDQWHUD HWW VSHFLHOOW ILQDQVLHOOW LQVWUXPHQW (Q UHNRPPHQ

GDWLRQ DQVHV LQWH YDUD SHUVRQOLJ RP GHQ HQEDUW VlQGV XW YLD GLVWULEXWLRQV

NDQDOHU HOOHU WLOO DOOPlQKHWHQ 'HW VRP DQJHV L GHQ GHOHJHUDGH

I|URUGQLQJHQ RP LQYHVWHULQJVUnGJLYQLQJ E|U L WLOOlPSOLJD GHODU lYHQ

XWJ|UD HQ YlJOHGQLQJ I|U WLOOlPSQLQJHQ DY EHJUHSSHW UnGJLYQLQJ HQOLJW

GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ 1lU UnGJLYQLQJ OlPQDV LQQHElU

GHW DWW I|UVlNULQJVGLVWULEXW|UHQ PnVWH XSSI\OOD YLVVD \WWHUOLJDUH NUDY EO D

DYVHHQGH DWW PRWLYHUD UnGJLYQLQJHQ VRP LQWH JlOOHU DQGUD W\SHU DY UnG

RFK DQQDQ GLVWULEXWLRQ VH DYVQLWWHQ RFK 'HWWD PRWLYHUDV

EO D DY DWW ULVNHQ I|U LQWUHVVHNRQIOLNWHU lU VlUVNLOW VWRU QlU HQ I|UVlNULQJV

GLVWULEXW|U UHNRPPHQGHUDU HWW YLVVW I|UVlNULQJVDYWDO IUDPI|U HWW DQQDW

1lU GHW VHGDQ NRPPHU WLOO XWWU\FNHW DWW ´I|UHVOn I|UVlNULQJVDYWDO´ E|U

GHW DYVH EO D GH UHNRPPHQGDWLRQHU QlU GHW JlOOHU I|UVlNULQJVDYWDO VRP

LQWH RPIDWWDV DY GHILQLWLRQHQ DY UnGJLYQLQJ W H[ I|U DWW GH LQWH XWJ|U HQ

SHUVRQOLJ UHNRPPHQGDWLRQ (Q UHNRPPHQGDWLRQ VRP XWJ|U UnGJLYQLQJ

E|U L RFK I|U VLJ NXQQD YDUD XWWU\FNOLJ HOOHU XQGHUI|UVWnGG 'HW E|U

WLOOlJJDV DWW HQ I|UVlNULQJVGLVWULEXW|U VRP LQWH OlPQDU UnGJLYQLQJ LQWH

InU I|UHVOn HWW DYWDO VRP LQWH lU I|UHQOLJW PHG NXQGHQV NUDY RFK EHKRY L

IUnJD RP I|UVlNULQJVVN\GG DUWLNHO DQGUD VW\FNHW )|OMDQGH H[HPSHO

WRUGH NXQQD JH \WWHUOLJDUH YlJOHGQLQJ L GHQQD IUnJD 2P HQ I|UVlNULQJV

GLVWULEXW|U WUlIIDU HQ NXQG RFK UHNRPPHQGHUDU GHQQH DWW LQJn HWW YLVVW

I|UVlNULQJVDYWDO E|U GHQ YHUNVDPKHWHQ XWJ|UD UnGJLYQLQJ VRP WUlIIDV DY

GH VWUlQJDUH NUDYHQ 2P HQ I|UVlNULQJVGLVWULEXW|U GlUHPRW WUlIIDU HWW

DQWDO NXQGHU VDPWLGLJW VRP LQWH KDU QnJRQ LQE|UGHV LQWUHVVHJHPHQVNDS

RFK DOOPlQW ORYRUGDU HQ HOOHU IOHUD I|UVlNULQJVSURGXNWHU lU GHWWD L RFK I|U

VLJ DWW DQVH VRP I|UVlNULQJVGLVWULEXWLRQ PHQ E|U LQWH XWJ|UD UnGJLYQLQJ

)|UVlNULQJVGLVWULEXW|UHQ VND Gn HQGDVW WLOOVH DWW GH SURGXNWHU VRP

PDUNQDGVI|UV lU I|UHQOLJD PHG NXQGHUQDV NUDY RFK EHKRY $QQRUOXQGD

I|UKnOOHU GHW VLJ GRFN RP NXQGHUQD VDPODWV I|U DWW GH WLOOK|U VDPPD

NDWHJRUL EHWUlIIDQGH W H[ nOGHU HOOHU LQNRPVWI|UKnOODQGHQ RFK DWW GHW VRP

GLVWULEXW|UHQ NRPPXQLFHUDU WLOO NXQGHUQD PRWVYDUDU UnGJLYQLQJ YLG YDO

DY I|UVlNULQJ bYHQ L HWW VnGDQW IDOO E|U I|UVlNULQJVGLVWULEXW|UHQ DQVHV

opaginerad Försäkringsdistribution utförd genom digitala medier Kontrollera mot PDF

WLOOKDQGDKnOOD HQ SHUVRQOLJ UHNRPPHQGDWLRQ VRP WUlIIDV DY GH VWUlQJDUH NUDYHQ

Försäkringsdistribution utförd genom digitala medier

'HILQLWLRQHQ DY I|UVlNULQJVGLVWULEXWLRQ L GLUHNWLYHW LQQHKnOOHU VRP QlPQV RYDQ HWW I|UW\GOLJDQGH PHG DYVHHQGH Sn I|UVlNULQJVGLVWULEXWLRQ VRP VNHU YLD HQ ZHEESODWV HOOHU DQGUD PHGLHU DUWLNHO (Q VlUVNLOG IUnJD lU GlUI|U RP PRWVYDUDQGH NODUJ|UDQGH E|U NRPPD WLOO XWWU\FN L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ , GHQQD GHO VND GHW IUDPKnOODV DWW ODJHQ E|U YDUD WHNQLNQHXWUDO L I|UKnOODQGH WLOO GHW VlWW Sn YLONHQ I|UVlNULQJV SURGXNWHU GLVWULEXHUDV YDUI|U DOO GLVWULEXWLRQ VRP DQJHV L GLUHNWLYHW L RFK I|U VLJ E|U IDOOD LQRP ODJHQV WLOOlPSQLQJVRPUnGH

, UHJHO WRUGH DOOWVn HQ NXQGV DQYlQGDQGH DY NRPPHUVLHOOD V N MlP I|UHOVHVDMWHU Sn LQWHUQHW LQQHElUD DWW YHUNVDPKHWHQ XWJ|U I|UVlNULQJV GLVWULEXWLRQ RP YHUNVDPKHWHQ VNHU PRW HUVlWWQLQJ IUnQ NXQGHQ HOOHU I|UVlNULQJVGLVWULEXW|UHQ MIU VNlO I|UVWD PHQLQJHQ WLOO GLUHNWLYHW 'lUHPRW E|U HQ NXQGV V|NQLQJDU YLD HQ JHQHUHOO V N V|NPRWRU Sn LQWHUQHW W H[ *RRJOH HOOHU <DKRR L DOOPlQKHW IDOOD XWDQI|U WLOOlPSQLQJV RPUnGHW 'HWWD E|U GRFN L HQOLJKHW PHG YDG VRP DQJHV RYDQ LQWH JlOOD V N VSRQVUDGH DQQRQVHU RP I|UHWDJHW VRP WLOOKDQGDKnOOHU V|NPRWRUQ InU HUVlWWQLQJ IUnQ I|UVlNULQJVGLVWULEXW|UHQ I|U DWW UDQJRUGQD V|NUHVXOWDWHQ Sn HWW YLVVW VlWW Vn DWW GLVWULEXW|UHQV I|UVlNULQJVWMlQVWHU IUDPVWnU VRP OlPSOLJD L I|UKnOODQGH WLOO W H[ GH YDOGD V|NRUGHQ

'HW KDU lYHQ NRPPLW DWW EOL DOOWPHU YDQOLJW I|UHNRPPDQGH DWW I|UVlN ULQJVI|UHWDJ RFK I|UVlNULQJVI|UPHGODUH VMlOYD WLOOKDQGDKnOOHU VLQD WMlQVWHU RFK SURGXNWHU WLOO NXQGHU JHQRP GLJLWDOD PHGLHU RFK SODWWIRUPDU 6nGDQ WHNQLN NDQ DQYlQGDV I|U VnYlO PDUNQDGVI|ULQJ VRP UnGJLYQLQJ RFK DQQDQ I|UVlNULQJVGLVWULEXWLRQ 9LG VnGDQD I|UKnOODQGHQ E|U PRWVYDUDQGH EHG|PQLQJVJUXQGHU VRP DQJHV RYDQ J|UD VLJ JlOODQGH VRP YLG HWW I\VLVNW NXQGP|WH 0HG DQGUD RUG E|U GHW EXGVNDS RFK LQIRUPDWLRQ VRP NRPPXQLFHUDV WLOO NXQGHQ YDUD DYJ|UDQGH I|U KXU YHUNVDPKHWHQ NDWHJRULVHUDV RFK RP GHQ IDOOHU LQRP WLOOlPSQLQJVRPUnGHW ([HPSHOYLV XSSI\OOHU HQ SHUVRQOLJ UHNRPPHQGDWLRQ DYVHHQGH HWW YLVVW I|UVlNULQJV DYWDO GHILQLWLRQHQ DY UnGJLYQLQJ lYHQ RP SUHVHQWDWLRQHQ VNHU JHQRP LQIRUPDWLRQVWHNQRORJL

6DPPDQIDWWQLQJVYLV InU GHW DQVHV YDUD WLOOUlFNOLJW DWW L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ DQJH YDG VnGDQ YHUNVDPKHW EHVWnU L 'HW E|U VnOHGHV LQWH lYHQ DQJHV HQ PRWVYDUDQGH H[HPSOLILHULQJ DY PHGLHU VRP L GHILQLWLRQHQ L GLUHNWLYHW

Försäkringsdistribution utförd av försäkringsföretag och deras anställda

6RP QlPQV RYDQ I|OMHU GHW DY I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DWW YHUN VDPKHW VRP LQEHJULSV L GHILQLWLRQHQ DY I|UVlNULQJVGLVWULEXWLRQ RPIDWWDV DY GLUHNWLYHWV WLOOlPSQLQJVRPUnGH lYHQ QlU GHQ EHGULYV DY HWW I|UVlN ULQJVI|UHWDJ HOOHU DY HQ DQVWlOOG L HWW I|UVlNULQJVI|UHWDJ VRP KDQGODU Sn I|UHWDJHWV DQVYDU DUWLNHO RFK L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW MIU DUWLNHO DQGUD VW\FNHW L I|UVlNULQJVI|UPHGOLQJV GLUHNWLYHW 5HJOHUQD L GLUHNWLYHW LQQHElU L GHWWD IDOO VN\OGLJKHWHU VRP VND

EHDNWDV DY DUEHWVJLYDUHQ GYV I|UVlNULQJVI|UHWDJHW RFK LQWH DY GHQ DQ

VWlOOGH SHUVRQOLJHQ

opaginerad Undantag för den som endast hänvisar någon till ett försäkringsföretag eller till en försäkringsförmedlare Kontrollera mot PDF

(WW DY V\IWHQD PHG I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW lU VRP QlPQV RYDQ DWW GH DNW|UHU VRP EHGULYHU I|UVlNULQJVGLVWULEXWLRQ VND EHKDQGODV OLND RFK NXQGHQ HUKnOOD VDPPD VN\GGVQLYn REHURHQGH DY VNLOOQDGHU PHOODQ ROLND GLVWULEXWLRQVNDQDOHU VNlOHQ RFK

'HW NDQ VnOHGHV NRQVWDWHUDV DWW GHW DY I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW I|OMHU DWW XQGDQWDJHW L I|UVlNULQJVI|UPHGOLQJVODJHQ NDS † VRP XQGDQWDU DOO I|UPHGOLQJVYHUNVDPKHW VRP XW|YDV DY HWW I|UVlNULQJVI|UHWDJ HOOHU DY HQ DQVWlOOG KRV HWW I|UVlNULQJVI|UHWDJ VRP KDQGODU Sn I|UHWDJHWV DQVYDU LQWH E|U I|UDV |YHU WLOO GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

, VDPPDQKDQJHW E|U GHW GRFN QRWHUDV DWW VDPWOLJD UHJOHU L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ LQWH E|U JlOOD I|UVlNULQJVI|UHWDJ 1lU GHW JlOOHU W H[ WLOOVWnQG RFK UHJLVWUHULQJ ILQQV GH NUDYHQ I|U I|UVlNULQJVI|UHWDJHQV YLGNRPPDQGH L VWlOOHW L I|UVlNULQJVU|UHOVHODJHQ VRP lU GHQ ODJ JHQRP YLONHQ (XURSDSDUODPHQWHWV RFK UnGHWV GLUHNWLY (* DY GHQ QRYHPEHU RP XSSWDJDQGH RFK XW|YDQGH DY I|UVlNULQJV RFK nWHUI|UVlNULQJVYHUNVDPKHW 6ROYHQV ,, 6ROYHQV ,, GLUHNWLYHW JHQI|UWV L VYHQVN UlWW VH SURS

Undantag för den som endast hänvisar någon till ett försäkringsföretag eller till en försäkringsförmedlare

7LOO VNLOOQDG IUnQ I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW LQQHKnOOHU I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW XWWU\FNOLJD XQGDQWDJ I|U YHUNVDPKHW VRP HQEDUW EHVWnU L DWW W H[ HQGDVW KlQYLVD HQ SRWHQWLHOO I|UVlNULQJVWDJDUH WLOO HQ I|UVlNULQJVJLYDUH HOOHU LQIRUPHUD QnJRQ RP DWW GHW ILQQV I|UVlNULQJV I|UPHGODUH VRP NDQ YDUD EHKMlOSOLJD YLG HQ XSSKDQGOLQJ DY I|UVlNULQJV DYWDO DUWLNHO F RFK G L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW cWJlUGHU VRP HQGDVW LQVNUlQNHU VLJ WLOO DWW VNDSD NRQWDNW PHOODQ HQ NXQG RFK HWW I|UVlNULQJVI|UHWDJ HOOHU HQ I|UVlNULQJVI|UPHGODUH VND VnOHGHV HQOLJW GLUHNWLYHW LQWH DQVHV XWJ|UD I|UVlNULQJVGLVWULEXWLRQ MIU VNlO WLOO I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 3n PRWVYDUDQGH VlWW VRP EHJUHSSHW I|UVlNULQJVGLVWULEXWLRQ lU lYHQ GHW QlPQGD XQGDQWDJHW WHNQLNQHXWUDOW Sn Vn VlWW DWW GHW VDNQDU EHW\GHOVH RP KlQYLVQLQJHQ VNHU YLG W H[ HWW NXQGP|WH HOOHU YLD HQ ZHEESODWV (WW PRWVYDUDQGH XQGDQWDJ E|U LQI|UDV L GHQ Q\D ODJHQ HIWHUVRP VnGDQ YHUNVDPKHW LQWH NDQ DQVHV KD HQ GLUHNW LQYHUNDQ Sn NXQGHQV I|UVlNULQJVVN\GG 'HW LQQHElU DWW VnGDQ YHUNVDPKHW XWWU\FNOLJHQ E|U YDUD XQGDQWDJHQ IUnQ WLOOlPSQLQJVRPUnGHW I|U ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ /DJHQ E|U HPHOOHUWLG YDUD WLOOlPSOLJ RP KlQYLV QLQJHQ HOOHU WLSVHW NRPELQHUDV PHG UnG QlU GHW JlOOHU W H[ OlPSOLJW I|UVlNULQJVVN\GG 8QGDQWDJHW E|U LQWH KHOOHU NXQQD nEHURSDV DY GHQ VRP lYHQ ELWUlGHU HOOHU Sn DQQDW VlWW lU GHODNWLJ L XSSUlWWDQGHW DY NRQWUDNWV KDQGOLQJDU HOOHU G\OLNW

(WW RPUnGH VRP VlUVNLOW XSSPlUNVDPPDWV UHGDQ YLG LQI|UDQGHW DY I|UVlNULQJVI|UPHGOLQJVODJHQ lU GHQ W\S DY PHGYHUNDQ YLG WHFNQDQGH DY I|UVlNULQJDU VRP VNHU YLG VLGDQ DY DQQDQ KXYXGVDNOLJ YHUNVDPKHW W H[ ELOKDQGODUHV VSHGLW|UHUV RFK ILQDQVERODJV PHGYHUNDQ YLG WHFNQDQGH DY IRUGRQVI|UVlNULQJDU WUDQVSRUWI|UVlNULQJDU UHVSHNWLYH I|UVlNULQJDU VRP KDU VDPEDQG PHG ILQDQVLHULQJVWMlQVWHU VH SURS V I +XUXYLGD GHVVD W\SHU DY PHGYHUNDQ VND DQVHV YDUD I|UVlNULQJV GLVWULEXWLRQ HOOHU LQWH InU DYJ|UDV XWLIUnQ XQGDQWDJHQ L ODJHQ RFK KXU

YHUNVDPKHWHQ UHQW IDNWLVNW EHGULYV L GHW HQVNLOGD IDOOHW 2P ELOKDQGODUHQ

opaginerad Undantag för tillhandahållande av allmän information Kontrollera mot PDF

VSHGLW|UHQ HOOHU ILQDQVERODJHW HQGDVW KlQYLVDU NXQGHQ WLOO HQ I|UVlNULQJVJLYDUH XWDQ DWW Sn DQQDW VlWW GLUHNW HOOHU LQGLUHNW SnYHUND NXQGHQV YDO DY I|UVlNULQJVDYWDO lU GHW L HQOLJKHW PHG GHW VRP DQJHV RYDQ LQWH IUnJD RP I|UVlNULQJVGLVWULEXWLRQ 'HWWD JlOOHU lYHQ RP HUVlWWQLQJ XWJnU I|U KlQYLVQLQJHQ 2P GH GlUHPRW SnWDU VLJ HQ PHU DNWLY UROO L NXQGHQV YDO DY I|UVlNULQJVVN\GG HOOHU PHGYHUNDU YLG I|UKDQGOLQJDU U|UDQGH SULVHW HOOHU YLOONRUHQ I|U I|UVlNULQJHQ WRUGH GHW YDUD IUnJD RP I|UVlNULQJVGLVWULEXWLRQ GYV VnGDQ YHUNVDPKHW VRP NUlYHU VlUVNLOG NXQVNDS RFK NRPSHWHQV 'HQ RPVWlQGLJKHWHQ DWW QnJRQ VRP HQ UHQ VHUYLFHnWJlUG OlPQDU HWW YLVVW PLQGUH ELWUlGH YLG WHFNQDQGH DY HQ I|UVlNULQJ LQQHElU GRFN LQWH DWW GHW lU IUnJD RP I|UVlNULQJVGLVWULEXWLRQ

(Q L GHWWD VDPPDQKDQJ Sn PDUNQDGHQ I|UHNRPPDQGH DIIlUVPRGHOO lU DWW W H[ HQ ELOKDQGODUH LQJnU HWW VDPDUEHWH PHG HWW I|UVlNULQJVI|UHWDJ RP DWW WLOOVDPPDQV GLVWULEXHUD HQ V N PlUNHVI|UVlNULQJ YLONHQ DYVHV YDUD DQSDVVDG WLOO ELOKDQGODUHQV NXQGHU L IUnJD RP YLVVD ELOPlUNHQ EO D DYVHHQGH SUHPLH RFK VN\GGHWV RPIDWWQLQJ , VnGDQD IDOO lU GHW WLOOnWHW I|U ELOKDQGODUHQ DWW XWDQ QnJRW WLOOVWnQG I|U I|UVlNULQJVGLVWULEXWLRQ LQIRUPHUD NXQGHU RP I|UVlNULQJVSURGXNWHQ RFK lYHQ I|UVlNULQJVI|UHWDJHW RP SUH VXPWLYD I|UVlNULQJVNXQGHU 2P ELOKDQGODUHQ GlUHPRW Sn DQQDW VlWW PHG YHUNDU WLOO LQJnHQGHW DY I|UVlNULQJVDYWDOHW lQ HQGDVW LQIRUPHUDU RFK KlQ YLVDU InU YHUNVDPKHWHQ L DOOPlQKHW DQVHV VRP I|UVlNULQJVGLVWULEXWLRQ MIU DUWLNHO L GLUHNWLYHW , HQ VnGDQ VLWXDWLRQ NDQ ELOKDQGODUHQ DOOWVn W H[ YDUNHQ WD HPRW LI\OOGD DQPlOQLQJVEODQNHWWHU IUnQ NXQGHQ HOOHU KDQWHUD |YHUI|ULQJHQ DY I|UVlNULQJVSUHPLHU

'HW E|U DYVOXWQLQJVYLV QlPQDV DWW RP HQ YHUNVDPKHW VRP EHGULYV DY W H[ HQ ELOKDQGODUH HQ VSHGLW|U HOOHU HWW ILQDQVERODJ L GHW HQVNLOGD IDOOHW VNXOOH YDUD VnGDQ DWW GHQ L RFK I|U VLJ VND DQVHV XWJ|UD I|UVlNULQJV GLVWULEXWLRQ RFK DOOWVn LQWH XQGDQWDV HQOLJW QnJRW DY GH XWWU\FNOLJD XQGDQWDJHQ VRP JHQRPI|U DUWLNHO L GLUHNWLYHW NDQ GLVWULEXWLRQHQ lQGn YDUD XQGDQWDJHQ IUnQ WLOOlPSQLQJVRPUnGHW RP VDPWOLJD I|UXWVlWWQLQJDU L GHQ VlUVNLOGD XQGDQWDJVUHJHOQ I|U GLVWULEXWLRQ DY YLVVD W\SHU DY NRPSOHWWHUDQGH I|UVlNULQJDU lU XSSI\OOGD VH DUWLNHO

Undantag för tillhandahållande av allmän information

7LOO VNLOOQDG IUnQ I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW LQQHKnOOHU I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW HWW XWWU\FNOLJW XQGDQWDJ I|U YHUNVDPKHW VRP EHVWnU L DWW HQEDUW OlJJD IUDP LQIRUPDWLRQ RP I|UVlNULQJVSURGXNWHU DUWLNHO G L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW cWJlUGHU VRP LQVNUlQNHU VLJ WLOO DWW HQGDVW OlPQD DOOPlQ LQIRUPDWLRQ RP I|UVlNULQJ VND VnOHGHV HQOLJW GLUHNWLYHW LQWH DQVHV XWJ|UD I|UVlNULQJVGLVWULEXWLRQ MIU VNlO RFK WLOO I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 1nJRQ GLUHNW SnYHUNDQ Sn NXQGHQV YDO DY I|UVlNULQJ NDQ GHW LQWH KHOOHU DQVHV YDUD IUnJD RP L VnGDQ VLWXDWLRQ (WW PRWVYDUDQGH XQGDQWDJ E|U GlUI|U LQI|UDV L GHQ Q\D ODJHQ RP I|UVlN ULQJVGLVWULEXWLRQ 6nOHGHV E|U GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ LQWH YDUD WLOOlPSOLJ Sn YHUNVDPKHW VRP HQEDUW EHVWnU L DWW OlPQD DOOPlQ LQIRUPDWLRQ HOOHU YlJOHGQLQJ RP I|UVlNULQJVSURGXNWHU RFK VRP LQWH VNHU L V\IWH DWW GLUHNW HOOHU LQGLUHNW ELVWn QnJRQ PHG DWW LQJn HOOHU IXOOJ|UD HWW YLVVW I|UVlNULQJVDYWDO

'HW E|U VDNQD EHW\GHOVH I|U WLOOlPSQLQJ DY XQGDQWDJHW KXU RIWD VnGDQ

LQIRUPDWLRQ OlPQDV RFK RP GHQ VRP OlPQDU GHQ EHGULYHU QnJRQ DQQDQ

opaginerad Undantag för tillhandahållande av allmän information Kontrollera mot PDF

YHUNVDPKHW 'HQ YHUNVDPKHW VRP XW|YDV DY W H[ .RQVXPHQWHUQDV

I|UVlNULQJVE\Un RPIDWWDV DOOWVn LQWH DY WLOOlPSQLQJVRPUnGHW MIU VNlO

DQGUD PHQLQJHQ WLOO RFK DUWLNHO G L GLUHNWLYHW 'HQ VRP L VLQD ORNDOHU

HOOHU Sn VLQ KHPVLGD WLOOKDQGDKnOOHU HWW DOOPlQW LQIRUPDWLRQVPDWHULDO RP

I|UVlNULQJVSURGXNWHU VND DOOWVn LQWH KHOOHU DQVHV XW|YD I|UVlNULQJV

GLVWULEXWLRQ RDYVHWW RP LQIRUPDWLRQHQ DYVHU HWW HOOHU IOHUD I|UVlNULQJV

I|UHWDJ I|UXWVDWW DWW NXQGHQ YDUNHQ GLUHNW HOOHU LQGLUHNW ELWUlGV DWW LQJn

HWW I|UVlNULQJVDYWDO JHQRP nWJlUGHQ

Undantag för att ge råd i enstaka fall

, I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW ILQQV OLNVRP L I|UVlNULQJVI|UPHG

OLQJVGLUHNWLYHW UHJOHU RP XQGDQWDJ VRP WDU VLNWH Sn W H[ VNDWWH[SHUWHU

HOOHU UHYLVRUHU YLOND LEODQG JHU UnG RP I|UVlNULQJVVN\GG LQRP UDPHQ I|U

VLQ KXYXGVDNOLJD YHUNVDPKHW ± GRFN XWDQ DWW L |YULJW DNWLYW GHOWD L

I|UVlNULQJVGLVWULEXWLRQHQ VNlO WLOO RFK DUWLNHO D L GLUHNWLYHW RFK

DUWLNHO WUHGMH VW\FNHW L I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW , OLNKHW PHG

GHW VRP JlOOHU L GDJ HQOLJW I|UVlNULQJVI|UPHGOLQJVODJHQ NDS † E|U

GHW LQI|UDV HWW PRWVYDUDQGH XQGDQWDJ L GHQ Q\D ODJHQ RP I|UVlNULQJV

GLVWULEXWLRQ , VnGDQD VLWXDWLRQHU NDQ HQ QX DNWXHOO PHGYHUNDQ L RFK I|U

VLJ WlQNDV GLUHNW SnYHUND NXQGHQV YDO DY I|UVlNULQJ 'HW InU GRFN DQVHV

YDUD L NXQGHQV LQWUHVVH DWW VnGDQD DNW|UHU WLOOnWV JH UnG RP I|UVlNULQJDU

VRP KDU DQNQ\WQLQJ RFK NRPSOHWWHUDU GHQ KXYXGVDNOLJD YHUNVDPKHWHQ

'HWWD XQGDQWDJ E|U YLGDUH DQVHV PHGJH HWW WLOOKDQGDKnOODQGH DY PHU

NRQNUHWD UnG lQ YDG VRP lU P|MOLJW PHG VW|G DY XQGDQWDJHW DYVHHQGH

DOOPlQ LQIRUPDWLRQ VH RYDQ (Q DQQDQ VNLOOQDG L I|UKnOODQGH WLOO GHW

XQGDQWDJHW lU DWW GHW QX DNWXHOOD XQGDQWDJHW I|UXWVlWWHU DWW VnGDQD UnG

LQWH OlPQDV DOOWI|U IUHNYHQW RFK DWW GHW VNHU YLG VLGDQ DY HQ DQQDQ

KXYXGVDNOLJ YHUNVDPKHW

Undantag för skadereglering

(QOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW VND \UNHVPlVVLJ KDQGOlJJQLQJ

DY HWW I|UVlNULQJVI|UHWDJV VNDGRU VDPW YlUGHULQJ RFK UHJOHULQJ DY VNDGRU

LQWH RPIDWWDV VNlO WLOO RFK DUWLNHO E L GLUHNWLYHW , OLNKHW PHG GHW

VRP JlOOHU L GDJ HQOLJW I|UVlNULQJVI|UPHGOLQJVODJHQ NDS † E|U GHW

LQI|UDV HWW XQGDQWDJ L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ VRP

RPIDWWDU DOO VNDGHUHJOHULQJVYHUNVDPKHW RDYVHWW RP GHQ XWI|UV I|U I|UVlN

ULQJVI|UHWDJHWV HOOHU QnJRQ DQQDQV UlNQLQJ (Q DQQDQ VDN lU DWW VNDGH

UHJOHULQJ XWJ|U HQ GHO DY I|UVlNULQJVU|UHOVHQ RFK VRP VnGDQ RPIDWWDV GHQ

DY I|UVlNULQJVI|UHWDJHWV I|UVlNULQJVGLVWULEXWLRQ lYHQ L GH IDOO I|UHWDJHW

XSSGUDJLW nW QnJRQ DQQDQ DWW XWI|UD GHQQD YHUNVDPKHW

Undantag för verksamhet som utgör investeringstjänster

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW LQQHKnOOHU UHJOHU VRP JlOOHU GLVWULEX WLRQ DY I|UVlNULQJDU , GHQQD SURPHPRULD J|UV EHG|PQLQJHQ DWW VRP I|UVlNULQJVGLVWULEXWLRQ VND LQWH DQVHV YHUNVDPKHW L I|UKnOODQGH WLOO HQ OLYI|UVlNULQJ VRP XWJ|U LQYHVWHULQJVWMlQVWHU HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ VH DYVQLWW 'HQ ODJHQ VND EHWUDNWDV VRP VSHFLDOODJ QlU GHW NRPPHU WLOO VnGDQD WMlQVWHU

opaginerad Undantag för förmedling av kompletterande försäkringar Kontrollera mot PDF

Undantag för förmedling av kompletterande försäkringar

/LNVRP I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW lU GLUHNWLYHWV UHJOHU LQWH WLOOlPSOLJD Sn YLVVD SHUVRQHU VRP LQWH KDU I|UVlNULQJVGLVWULEXWLRQ VRP KXYXGVDNOLJ \UNHVYHUNVDPKHW RFK VRP I|UPHGODU I|UVlNULQJDU VRP NRPSOHWWHUDU HQ OHYHUHUDG YDUD HOOHU WMlQVW DUWLNHO )|U DWW SHUVRQHQ L IUnJD LQWH VND RPIDWWDV DY GLUHNWLYHW VND GRFN HQ UDG DQGUD I|UXWVlWWQLQJDU RFNVn YDUD XSSI\OOGD VRP EO D KDU DWW J|UD PHG I|UVlNULQJVVN\GGHWV RPIDWWQLQJ RFK SUHPLHEHORSSHWV VWRUOHN

, OLNKHW PHG GHW VRP JlOOHU L GDJ HQOLJW I|UVlNULQJVI|UPHGOLQJVODJHQ NDS † E|U GHW LQI|UDV HWW WLOO YLVV GHO PRWVYDUDQGH XQGDQWDJ L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ 'lUPHG WRUGH GH IOHVWD VSHFLDORPEXGV GLVWULEXWLRQ DY I|UVlNULQJDU W H[ UDGLR HOOHU 79 KDQGODUHV XUPDNDUHV RFK UHVHE\UnHUV GLVWULEXWLRQ OLNVRP L GDJ IDOOD XWDQI|U GHQ Q\D ODJHQV WLOOlPSQLQJVRPUnGH (IWHUVRP XQGDQWDJHW L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW GRFN L YLVVD GHODU DYYLNHU IUnQ PRWVYDUDQGH XQGDQWDJ L I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW MIU DUWLNHO L I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW RFK GLUHNWLYHQ LQQHElU PLQLPL KDUPRQLVHULQJ E|U XQGDQWDJHW L GHQ Q\D ODJHQ lQGUDV L PRWVYDUDQGH PnQ

,QOHGQLQJVYLV J|U I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW VNLOOQDG PHOODQ YLOND ULVNHU VRP GHQ GLVWULEXHUDGH I|UVlNULQJHQ InU DYVH L I|UKnOODQGH WLOO WMlQVWHU UHVSHNWLYH YDURU

1lU GHW JlOOHU YDURU InU GHQ I|UVlNUDGH ULVNHQ HQGDVW DYVH ULVNHQ I|U IHO I|UOXVW DY HOOHU VNDGRU Sn GH YDURU VRP WLOOKDQGDKnOOLWV DUWLNHO D L

1lU GHW JlOOHU WMlQVWHU RPIDWWDU XQGDQWDJHW HQOLJW KXYXGUHJHOQ HQGDVW I|UVlNULQJ DYVHHQGH ULVNHQ I|U DWW WMlQVWHQ LQWH NDQ XWQ\WWMDV EO D V N DYEHVWlOOQLQJVVN\GG QlU GHWWD PHGGHODV JHQRP I|UVlNULQJ $Y O\GHOVHQ InU DQVHV I|OMD DWW XQGDQWDJHW W H[ LQWH RPIDWWDU VnGDQ VMlOYULVNUHGXFHULQJ VRP I|U QlUYDUDQGH UHJHOPlVVLJW WLOOKDQGDKnOOV YLG EO D ELOXWK\UQLQJV WMlQVWHU GYV ULVNHQ I|U DWW NXQGHQ VND EHK|YD HUVlWWD XWK\UDUHQ I|U HQ K|J VMlOYULVN YLG VNDGRU Sn GHW K\UGD IRUGRQHW 1nJRQ I|UVlNULQJ PRW ULVNHQ I|U DWW GHQ K\UGD ELOHQ LQWH NDQ XWQ\WWMDV U|U GHW MX VLJ LQWH RP L HWW VnGDQW IDOO )|U WMlQVWHU VRP DYVHU UHVRU lU XQGDQWDJHW HPHOOHUWLG PHU RPIDWWDQGH RFK GHQ I|UVlNUDGH ULVNHQ InU L GHVVD IDOO lYHQ DYVH VNDGD Sn HOOHU I|UOXVW DY EDJDJH RFK ´DQGUD ULVNHU PHG DQNQ\WQLQJ WLOO UHVD´ DUWLNHO D LL

bYHQ L SUHPLHKlQVHHQGH J|U GLUHNWLYHW WLOO YLVV GHO VNLOOQDG PHOODQ I|UVlNULQJDU VRP GLVWULEXHUDV L VDPEDQG PHG I|UVlOMQLQJ DY YDURU UHVSHN WLYH WMlQVWHU (QOLJW GHQ JHQHUHOOD UHJHOQ I|U SUHPLHVWRUOHN lU XQGDQWDJHW WLOOlPSOLJW DYVHHQGH EnGH YDURU RFK WMlQVWHU RP GHQ LQWH |YHUVWLJHU HXUR EHUlNQDW SURSRUWLRQHOOW Sn nUVEDVLV DUWLNHO E

1lU GHW JlOOHU WMlQVWHU ILQQV GHW HPHOOHUWLG HQ VlUUHJHO VRP JlOOHU L I|UKnOODQGH WLOO ULVNHQ I|U LFNH XWQ\WWMDQGH DY WMlQVWHQ HOOHU ULVNHU PHG DQNQ\WQLQJ WLOO UHVD HQOLJW YLONHQ SUHPLHQ LQWH InU |YHUVWLJD HXUR SHU SHUVRQ XQGHU I|UXWVlWWQLQJ DWW WMlQVWHQV YDUDNWLJKHW LQWH lU OlQJUH lQ WUH PnQDGHU DUWLNHO F 0HG DQGUD RUG HUEMXGHU GHQQD VlUUHJHO L I|UKnOODQGH WLOO GHQ JHQHUHOOD UHJHOQ HQ P|MOLJKHW DWW GLVWULEXHUD HQ I|UVlNULQJ PHG SURSRUWLRQHOOW K|JUH I|UVlNULQJVSUHPLH PHQ XQGHU HQ NRUWDUH WLGVSHULRG

opaginerad Undantag för förmedling av kompletterande försäkringar Kontrollera mot PDF

'HW NDQ L VDPEDQG PHG EHJUlVQLQJDUQD DYVHHQGH SUHPLHU NRQVWDWHUDV DWW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW LQQHElU K|MGD WU|VNHOYlUGHQ L GHW DYVHHQGHW (QOLJW I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW InU GHW nUOLJD SUHPLHEHORSSHW LQWH |YHUVWLJD HXUR 6RP HQ NRQVHNYHQV LQQHElU GHW DOOWVn DWW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW PHGJHU XQGDQWDJ I|U I|UVlNULQJDU PHG K|JUH SUHPLHU 'HW E|U QRWHUDV DWW I|UVlNULQJDU VRP VlOMV L VDPEDQG PHG I|UVlOMQLQJ DY YDURU RFK WMlQVWHU RIWD lU G\UDUH lQ PRWVYDUDQGH I|UVlNULQJVVN\GG VRP GLVWULEXHUDV VHSDUDW %O D GH LEODQG NRUWD I|UVlNULQJVSHULRGHUQD NDQ GRFN J|UD DWW GH XSSOHYV VRP ELOOLJDUH lQ YDG GH HJHQWOLJHQ lU 'HW NDQ GRFN L RFK I|U VLJ YDUD Vn DWW HQ GHO I|UVlNULQJDU VRP NRPSOHWWHUDU YDURU RFK WMlQVWHU LQWH ILQQV DWW WLOOJn L GHW RUGLQDULH XWEXGHW Sn I|UVlNULQJVPDUNQDGHQ 9LG HQ VDPODG EHG|PQLQJ E|U L YDUW IDOO GH NUDY VRP DQNRPPHU Sn HQ I|UVlNULQJVGLVWULEXW|U VRP HQJDJHUDU HWW VSHFLDORPEXG DWW VlNHUVWlOOD XWJ|UD HWW WLOOUlFNOLJW NXQGVN\GG DYVHHQGH QX DNWXHOOD I|UVlNULQJDU

(Q VlUVNLOG IUnJD lU RP GHQ DNW|U VRP nEHURSDU XQGDQWDJHW PnVWH YDUD VDPPD SHUVRQ VRP WLOOKDQGDKnOOLW YDUDQ HOOHU WMlQVWHQ 'H VSUnNOLJD SUHFLVHULQJDU L IUnJD RP YHP VRP OHYHUHUDW HQ YDUD HOOHU HQ WMlQVW UHVSHN WLYH KRV YHP HQ UHVD KDU ERNDWV VRP WLOO YLVV GHO DQJHV L GLUHNWLYHW E|U GRFN LQWH DQJHV L ODJHQ 'HWWD EHURU Sn DWW VnGDQD SUHFLVHULQJDU NDQ PHGI|UD RPRWLYHUDGH VNLOOQDGHU PHOODQ GLVWULEXWLRQVVLWXDWLRQHU VRP VDNOLJW VHWW E|U EHG|PDV Sn VDPPD VlWW )|UVlNULQJVVN\GG L VDPEDQG PHG HQ UHVD NDQ W H[ GLVWULEXHUDV DY GHQ VRP DQRUGQDU UHVDQ PHQ VDPPD I|UVlNULQJVVN\GG NDQ XSSVWn VRP HQ I|OMG DY DWW UHVDQ EHWDODV PHG HWW NUHGLWNRUW GYV GLVWULEXHUDV DY HWW NRUWI|UHWDJ 'HW ILQQV LQJD VDNOLJD VNlO I|U DWW EHKDQGOD UHVHE\UnQ RFK NRUWI|UHWDJHW Sn ROLND VlWW EHURHQGH Sn YHP DY GHP VRP L GHW HQVNLOGD IDOOHW GLVWULEXHUDU GHW DNWXHOOD I|UVlNULQJVVN\GGHW /LNQDQGH VLWXDWLRQHU XSSNRPPHU lYHQ QlU GHW JlOOHU GLVWULEXWLRQ DY W H[ I|UVlNULQJVVN\GG L VDPEDQG PHG ROLND ILQDQVLHULQJVO|VQLQJDU HOOHU YLG I|UPHGOLQJ DY VM| RFK WUDQVSRUWI|UVlNULQJDU MIU VDPPD SURS V 'HQ QlUPDUH JUlQVGUDJQLQJHQ YLG ROLND I|UVlNULQJVO|VQLQJDU E|U GRFN |YHUOlPQDV WLOO UlWWVWLOOlPSQLQJHQ

(Q DQQDQ YLNWLJ VNLOOQDG PHOODQ XQGDQWDJHW L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW L I|UKnOODQGH WLOO PRWVYDUDQGH XQGDQWDJ L I|UVlNULQJVI|UPHG OLQJVGLUHNWLYHW lU GH NUDY VRP VWlOOV Sn HQ I|UVlNULQJVGLVWULEXW|U VRP GLVWULEXHUDU I|UVlNULQJDU JHQRP HQ I|UPHGODUH VRP XQGDQWDJLWV DUWLNHO 'HVVD UHJOHU DNWXDOLVHUDV RFNVn QlU HWW I|UVlNULQJVI|UHWDJ GLVWULEXHUDU NRQVXPHQWI|UVlNULQJDU YLD HQ I|UVlNULQJVI|UPHGODUH V N I|UVlNULQJVDJHQWXU VRP L VLQ WXU VDPPDUEHWDU PHG GLYHUVH nWHUI|UVlOMDUH DY YDURU RFK WMlQVWHU 0RWVYDUDQGH VN\OGLJKHWHU VDNQDV L SULQFLS L QX JlOODQGH VYHQVN UlWW RFK E|U GlUI|U LQI|UDV L ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ , VnGDQD IDOO VND GHQ I|UVlNULQJVGLVWULEXW|U VRP DQOLWDU VSHFLDORPEXGHW VlNHUVWlOOD DWW GHQ OlPQDU YLVV LQIRUPDWLRQ WLOO NXQGHQ VDPW DWW YHUNVDPKHWHQ VNHU L HQOLJKHW PHG GH JUXQGOlJJDQGH XSSI|UDQGHUHJOHU VRP JlOOHU YLG I|UVlNULQJVGLVWULEXWLRQ VH DYVQLWWHQ RFK

opaginerad Får en försäkringsdistributör delegera en arbetsuppgift till någon som inte är försäkringsförmedlare? Kontrollera mot PDF

Får en försäkringsdistributör delegera en arbetsuppgift till någon som inte är försäkringsförmedlare?

(Q YLNWLJ IUnJD PHG DQNQ\WLQJ WLOO WLOOlPSQLQJVRPUnGHW RFK VRP OLNVRP YLG LQI|UDQGHW DY I|UVlNULQJVI|UPHGOLQJVODJHQ E|U EHO\VDV Sn HWW |YHUJULSDQGH VlWW lU RPIDWWQLQJHQ DY P|MOLJKHWHQ I|U HQ I|UVlNULQJV GLVWULEXW|U DWW GHOHJHUD DUEHWVXSSJLIWHU WLOO QnJRQ DQQDQ VH SURS V ± )UnJDQ KDU EHW\GHOVH I|U EnGH YDG I|UVlNULQJVGLVWULEXW|UHU InU J|UD L GHWWD DYVHHQGH PHQ lYHQ L I|UKnOODQGH WLOO YLOND XSSJLIWHU HQ XSSGUDJVWDJDUH NDQ XWI|UD XWDQ DWW VMlOY IDOOD LQRP WLOOlPSQLQJVRPUnGHW I|U ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

$WW GLVWULEXHUD I|UVlNULQJDU LQQHIDWWDU IOHUD ROLND DUEHWVPRPHQW DOOW IUnQ DWW ERND NXQGP|WHQ RFK LQKlPWD LQIRUPDWLRQ WLOO DWW DQDO\VHUD NXQGHQV I|UVlNULQJVEHKRY RFK OlPQD I|UVODJ HOOHU UHNRPPHQGDWLRQ WLOO HQ I|UVlNULQJVO|VQLQJ 9LVVD DUEHWVXSSJLIWHU lU DY PHU NYDOLILFHUDG DUW RFK DY GLUHNW EHW\GHOVH I|U YLONHW I|UVlNULQJVVN\GG NXQGHQ InU ± DQGUD lU DY PHU DGPLQLVWUDWLY QDWXU , YLVVD IDOO lU DUEHWVXSSJLIWHUQD DY GHQ DUWHQ DWW LQWH KHOOHU I|UVlNULQJVGLVWULEXW|UHQ KDU WLOOUlFNOLJ NRPSHWHQV I|U DWW XWI|UD GHP 6RP H[HPSHO L DQVOXWQLQJ WLOO VNDGHI|UVlNULQJDU NDQ QlPQDV XSSJLIWHU L VDPEDQG PHG ULVNEHVNULYQLQJDU RFK VNDGHKDQWHULQJ VDPW YlUGHULQJVIUnJRU 6nGDQD XSSJLIWHU NDQ NUlYD EUDQGLQJHQM|UVNRPSHWHQV HOOHU DQQDQ WHNQLVN NRPSHWHQV 1lU GHW JlOOHU YLVVD OLYI|UVlNULQJDU YDUV YlUGH lU H[SRQHUDGH PRW PDUNQDGVYRODWLOLWHW NDQ QlPQDV UHNRPPHQ GDWLRQHU L I|UKnOODQGH WLOO YLOND ILQDQVLHOOD LQVWUXPHQW VRP I|UVlNULQJHQV YlUGH E|U VSHJODV PRW , GHVVD IDOO lU HQ LQYHVWHULQJVUnGJLYDUHV H[SHUWLV Q|GYlQGLJ I|U DWW NXQGHQ VND In OlPSOLJD UnG (Q DQQDQ VDN lU DWW VnGDQ VHQDUH YHUNVDPKHW LQWH XWJ|U I|UVlNULQJVGLVWULEXWLRQ RFK GlUPHG LQWH KHOOHU HQ YHUNVDPKHW VRP GLVWULEXW|UHQ NDQ GHOHJHUD LQRP UDPHQ I|U VLWW WLOOVWnQG I|U I|UVlNULQJVGLVWULEXWLRQ VH DYVQLWW

,QOHGQLQJVYLV E|U QlPQDV DWW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW LQWH NDQ DQVHV KLQGUD DWW HQ I|UVlNULQJVGLVWULEXW|U GHOHJHUDU YLVVD DUEHWVXSSJLIWHU WLOO QnJRQ DQQDQ XWDQ DWW GHQQH VMlOYVWlQGLJW VND DQVHV VRP I|UVlNULQJVI|UPHGODUH L GLUHNWLYHWV PHQLQJ (Q GLVWULEXW|U PnVWH VMlOYIDOOHW NXQQD N|SD VSHFLDOLVWNXQVNDS L IRUP DY WHNQLVN NRPSHWHQV QlU GHW EHK|YV 'HW OLJJHU L NXQGHQV LQWUHVVH DWW GHVVD DUEHWVXSSJLIWHU XWI|UV DY QnJRQ VRP lU VlUVNLOW NXQQLJ Sn RPUnGHW 'LVWULEXWLRQ DY I|UVlNULQJDU LQU\PPHU HPHOOHUWLG RFNVn DUEHWVPRPHQW DY PLQGUH NYDOLILFHUDW VODJ VRP HQ I|UVlNULQJVGLVWULEXW|U E|U NXQQD GHOHJHUD WLOO QnJRQ VRP LQWH lU I|UVlNULQJVI|UPHGODUH 'LUHNWLYHWV YLGD GHILQLWLRQ DY I|UVlNULQJV GLVWULEXWLRQ RFK NUDYHW Sn DWW DOOD I\VLVND SHUVRQHU VRP GLUHNW GHOWDU L I|UVlNULQJVGLVWULEXWLRQ VND XSSI\OOD \UNHVNUDYHQ InU GRFN DQVHV LQQHElUD DWW XWU\PPHW I|U DWW GHOHJHUD DUEHWVXSSJLIWHU WLOO QnJRQ VRP LQWH lU I|UVlNULQJVI|UPHGODUH DOOPlQW VHWW lU JDQVND EHJUlQVDW 9LG EHG|PQLQJHQ DY YDU JUlQVHQ JnU lU GHW YLNWLJW DWW XSSPlUNVDPPD DWW HWW DY KXYXGV\IWHQD PHG GLUHNWLYHW lU DWW I|UElWWUD VN\GGHW I|U NXQGHUQD RFK VH WLOO DWW GH EHWMlQDV DY SHUVRQHU VRP XSSI\OOHU YLVVD \UNHVNUDY )|UVlNULQJVGLVWULEXW|UHQ WLOOKDQGDKnOOHU HQ NYDOLILFHUDG WMlQVW RFK NXQGHQ KDU UlWW DWW I|UYlQWD VLJ DWW GHQ XWI|UV DY HQ NXQQLJ SHUVRQ )UnJDQ JlOOHU VnOHGHV L YLONHQ XWVWUlFNQLQJ HQ NXQG VND EHK|YD DFFHSWHUD DWW L ROLND VNHGHQ YDUD KlQYLVDG WLOO HQ PHGKMlOSDUH VRP L YDUW IDOO LQWH KDU GHQ IRUPHOOD NRPSHWHQV VRP lU HQ I|UXWVlWWQLQJ I|U DWW In YHUND VRP

opaginerad Får en försäkringsdistributör delegera en arbetsuppgift till någon som inte är försäkringsförmedlare? Kontrollera mot PDF

I|UVlNULQJVGLVWULEXW|U )UnJDQ InU GHOYLV Sn VDPPD VlWW VRP JlOOHU L IUnJD RP W H[ IDVWLJKHWVPlNODUH DYJ|UDV PHG OHGQLQJ DY NUDYHW Sn JRG I|UVlNULQJVGLVWULEXWLRQVVWDQGDUG VH DYVQLWW

'HW E|U L VDPPDQKDQJHW VOnV IDVW DWW I|UVlNULQJVGLVWULEXW|UHQ VMlOY VND YDUD PHG YLG GH LQOHGDQGH NRQWDNWHUQD PHG NXQGHQ Gn LQQHKnOOHW L GLVWULEXWLRQVWMlQVWHQ GLVNXWHUDV RFK NXQGHQ InU GHQ LQIRUPDWLRQ VRP GLVWULEXW|UHQ lU VN\OGLJ DWW OlPQD VH DYVQLWW 1lU GHW VHGDQ JlOOHU VMlOYD GLVWULEXWLRQVDUEHWHW InU GHW PHVW FHQWUDOD RFK EHW\GHOVHIXOOD PRPHQWHW DQVHV YDUD DWW JH NXQGHQ UnGJLYQLQJ RP YLONHQ I|UVlNULQJ VRP SDVVDU KDQV HOOHU KHQQHV |QVNHPnO HOOHU EHKRY 'HQQD XSSJLIW InU VMlOYIDOOHW LQWH GHOHJHUDV WLOO QnJRQ VRP LQWH lU I|UVlNULQJVI|UPHGODUH )|U DWW NXQQD JH NXQGHQ HQ VnGDQ UHNRPPHQGDWLRQ PnVWH GLVWULEXW|UHQ XWUHGD RFK EHG|PD NXQGHQV |QVNHPnO RFK EHKRY WD IUDP RFK DQDO\VHUD ROLND I|UVlNULQJVO|VQLQJDU VDPW YlOMD XW HQ O|VQLQJ VRP VOXWOLJHQ UHNRPPHQGHUDV NXQGHQ (Q H[WHUQ PHGKMlOSDUH E|U NXQQD ELWUlGD GLVWULEXW|UHQ L GHQQHV DUEHWH PHG DWW XWUHGD NXQGHQV |QVNHPnO RFK EHKRY )|UVlNULQJVGLVWULEXW|UHQ PnVWH GRFN Jn LJHQRP RFK NRQWUROOHUD GHQ XWUHGQLQJ VRP PHGKMlOSDUHQ KDU JMRUW RFK YLG GLUHNW NRQWDNW PHG NXQGHQ I|UYLVVD VLJ RP DWW XWUHGQLQJHQ lU WLOOIUHGVVWlOODQGH 'HW lU RFNVn GLVWULEXW|UHQ VMlOY VRP VND EHG|PD NXQGHQV I|UVlNULQJVEHKRY

1lU NXQGHQV |QVNHPnO RFK EHKRY lU XWUHGGD RFK EHG|PGD E|U PHG KMlOSDUHQ NXQQD ELWUlGD GLVWULEXW|UHQ L GHQQHV DUEHWH PHG DWW WD IUDP ROLND I|UVlNULQJVO|VQLQJDU )|UVlNULQJVGLVWULEXW|UHQ PnVWH GRFN Jn LJHQRP RFK NRQWUROOHUD GHQ XWUHGQLQJ VRP PHGKMlOSDUHQ KDU JMRUW RFK I|UYLVVD VLJ RP DWW GHQ lU WLOOIUHGVVWlOODQGH 'HW lU RFNVn GLVWULEXW|UHQ VMlOY VRP VND DQDO\VHUD GH ROLND I|UVlNULQJVO|VQLQJDUQD RFK YlOMD XW GHQ O|VQLQJ VRP VND UHNRPPHQGHUDV WLOO NXQGHQ )|UVlNULQJVGLVWULEXW|UHQ VND RFNVn RP GHQ WLOOKDQGDKnOOLW UnGJLYQLQJ DQJH VNlOHQ I|U UHNRPPHQ GDWLRQHQ L GLUHNW NRQWDNW PHG NXQGHQ VH DYVQLWWHQ RFK

'HW ILQQV lYHQ DQGUD XSSJLIWHU VRP lU P\FNHW YLNWLJD I|U I|UVlNULQJV WDJDUHQV VN\GG (Q VnGDQ XSSJLIW lU LQIRUPDWLRQ WLOO NXQGHQ RP YDG I|UVlNULQJHQ RPIDWWDU RFK RP I|UVlNULQJVYLOONRUHQ L |YULJW $QGUD P\FNHW YLNWLJD XSSJLIWHU VRP QlUPDVW K|U WLOO VN|WVHOQ DY I|UVlNULQJHQ lU EHIRUGUDQ RFK YLGDUHEHIRUGUDQ DY SUHPLHDYLHU RFK LQIRUPDWLRQ RP VLVWD EHWDOQLQJVGDJ I|U SUHPLHQ RP GHQ LQWH NODUW IUDPJnU VDPW IRUWO|SDQGH EHYDNQLQJ DY I|UVlNULQJVVN\GGHW 2P GHVVD nWJlUGHU LQWH XWI|UV DY GLVWUL EXW|UHQ VMlOY VND KDQ HOOHU KRQ VH WLOO DWW GHW ILQQV WLOOI|UOLWOLJD UXWLQHU I|U GHWWD VH NDS )LQDQVLQVSHNWLRQHQV DOOPlQQD UnG >)))6 @ RP VW\UQLQJ RFK NRQWUROO DY ILQDQVLHOOD I|UHWDJ

1lU GHW JlOOHU DQGUD DUEHWVXSSJLIWHU VRP LQWH lU OLND FHQWUDOD I|U GLVWULEXWLRQHQ NDQ GHW YDUD DFFHSWDEHOW DWW XSSJLIWHUQD GHOHJHUDV WLOO HQ PHGKMlOSDUH VRP LQWH lU I|UVlNULQJVI|UPHGODUH (Q JHQHUHOO I|UXWVlWWQLQJ YLG DOOD IDOO DY GHOHJDWLRQ GYV lYHQ L GH IDOO VRP EHU|UWV RYDQ lU DWW GLVWULEXW|UHQ EHG|PHU DWW PHGKMlOSDUHQ KDU WLOOUlFNOLJ NRPSHWHQV I|U XSSJLIWHQ 'LVWULEXW|UHQ PnVWH RFNVn KD NRQWUROO |YHU XWI|UDQGHW I|U DWW YLG EHKRY NXQQD LQJULSD 'HW InU LQWH |YHUOnWDV Sn PHGKMlOSDUHQ DWW IDWWD EHVOXW HOOHU J|UD VMlOYVWlQGLJD EHG|PQLQJDU L YLNWLJD IUnJRU , NRQWDNW HUQD XWnW VND GHW W\GOLJW IUDPJn DWW PHGKMlOSDUHQ lU MXVW PHGKMlOSDUH RFK LQWH GHQ VRP XWI|U HOOHU DQVYDUDU I|U GLVWULEXWLRQVWMlQVWHQ HOOHU QnJRQ GHO DY GHQQD

opaginerad JHUDU QnJRQ XSSJLIW WLOO HQ H[WHUQ PHGKMlOSDUH lU GHW Kontrollera mot PDF

2DYVHWW RP I|UVlNULQJVGLVWULEXW|UHQ XWI|U DOOW DUEHWH VMlOY HOOHU GHOH

JHUDU QnJRQ XSSJLIW WLOO HQ H[WHUQ PHGKMlOSDUH lU GHW

I|UVlNULQJVGLVWULEXW|UHQ VRP lU DQVYDULJ I|U DUEHWHWV XWI|UDQGH MIU

UHVRQHPDQJHW RYDQ DQJnHQGH JUXSSI|UHUWUlGDUH 2P HQ PHGKMlOSDUH

XSSVnWOLJHQ HOOHU DY RDNWVDPKHW YLG DUEHWHWV XWI|UDQGH RUVDNDU HQ NXQG

HOOHU QnJRQ DQQDQ VNDGD lU GLVWULEXW|UHQ DQVYDULJ I|U GHWWD HQOLJW YDG

VRP I|UHVOnV L DYVQLWW

)|UKnOODQGHW PHOODQ WLOOlPSQLQJVRPUnGHW I|U I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RFK ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ

%DNJUXQG

$OOPlQW RP JUlQVGUDJQLQJVIUnJDQ

'HQ QXYDUDQGH UHJOHULQJHQ DY I|UVlNULQJVI|UPHGODUH L I|UVlNULQJVI|U PHGOLQJVODJHQ XWJ|U HWW UHODWLYW EHJUlQVDW UHJHOYHUN L I|UKnOODQGH WLOO GHQ P\FNHW YDULHUDQGH YHUNVDPKHW VRP GHW WLOOlPSDV Sn bYHQ RP JUlQV GUDJQLQJVIUnJRUQD LEODQG NDQ YDUD NRPSOLFHUDGH WRUGH GHW L I|UKnOODQGH WLOO PDMRULWHWHQ DY GH ROLND WMlQVWHU VRP I|UVlNULQJVI|UPHGODUH L GDJ WLOO KDQGDKnOOHU LQWH UnGD QnJRQ RVlNHUKHW RP L YDG PnQ GH RPIDWWDV DY EHJUHSSHW I|UVlNULQJVI|UPHGOLQJ HOOHU LQWH %ODQG GH WMlQVWHU VRP RP IDWWDV LQJnU W H[ DOOHKDQGD UnG DYVHHQGH YDO DY I|UVlNULQJVJLYDUH VDPW I|UVlNULQJVDYWDO I|UYDOWQLQJVIRUP lQGULQJ DY I|UPnQVWDJDUI|URUGQDQGH lQGULQJ RFK KDQWHULQJ DY I|UVlNULQJVSUHPLHU lQGULQJ DY HIWHUOHYDQGH VN\GG RFK NRPSOHWWHUDQGH ULVNI|UVlNULQJDU lQGULQJ DY XWEHWDOQLQJVWLG RFK WLGSXQNWHQ I|U XWEHWDOQLQJ 'HW QlPQGD JlOOHU L I|UKnOODQGH WLOO I|UVlNULQJVDYWDO LQRP VDPWOLJD I|UVlNULQJVNODVVHU GYV VnYlO IRQGI|UVlN ULQJDU VRP WUDGLWLRQHOOD I|UVlNULQJDU L IRUP DY W H[ OLYI|UVlNULQJDU PHG VSDUPRPHQW VnVRP OLYI|UVlNULQJDU PHG WUDGLWLRQHOO I|UYDOWQLQJ RFK GHSnI|UVlNULQJDU 6nGDQ YHUNVDPKHW NDQ L RFK I|U VLJ EHWUDNWDV VRP ILQDQVLHOO UnGJLYQLQJ L YLG EHPlUNHOVH PHQ WDQJHUDU LQWH WLOOlPSQLQJV RPUnGHW I|U YlUGHSDSSHUVU|UHOVH HQOLJW ODJHQ RP YlUGHSDSSHUVPDUN QDGHQ

'HQ RNODUKHW VRP I|UHNRPPLW DYVHHQGH I|UKnOODQGHW PHOODQ I|UVlN ULQJVI|UPHGOLQJVODJHQ RFK ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ NDQ EH VNULYDV VRP IUnJDQ RP WLOO YLONHQ JUDG I|UVlNULQJVI|UPHGODUH RFK YlUGH

SDSSHUVLQVWLWXW LQRP UDPHQ I|U VLQD UHVSHNWLYH U|UHOVHWLOOVWnQG InU XWI|UD

WMlQVWHU VRP RPIDWWDV DY RUGDO\GHOVHQ I|U GHW DQGUD UHJHOYHUNHWV WLOOlPS

QLQJVRPUnGH (WW DY GH W\GOLJDVWH H[HPSOHQ Sn GHQQD JUlQVGUDJQLQJV

SUREOHPDWLN YLVDU VLJ L IUnJD RP KXUXYLGD I|UVlNULQJVI|UPHGODUH RFK

YlUGHSDSSHUVLQVWLWXW InU JH SHUVRQOLJD UHNRPPHQGDWLRQHU WLOO NXQGHU

DYVHHQGH VSHFLILND ILQDQVLHOOD LQVWUXPHQW YDUV YlUGH NRSSODWV WLOO HQ

OLYI|UVlNULQJ KlU DYVHV L I|UVWD KDQG IRQGI|UVlNULQJDU RFK GHSn

I|UVlNULQJDU 'HWWD I|UKnOODQGH KDU DOOWVHGDQ I|UVlNULQJVI|UPHGOLQJV

GLUHNWLYHW JHQRPI|UDQGHV L VYHQVN UlWW RFK I|UVlNULQJVI|UPHGOLQJVODJHQ

WUlGGH L NUDIW DOOWVn YDULW GHOYLV RNODUW 'HW ILQQV IOHUD P|MOLJD WRONQLQJDU

YLOND OHGHU WLOO ROLND UHVXOWDW L VnYlO WLOOVWnQGVIUnJDQ VRP YLG YDO DY

WLOOlPSOLJD EHVWlPPHOVHU

opaginerad UHNRPPHQGHUDV DOOW RIWDUH Kontrollera mot PDF

$WW IUnJDQ RP JUlQVGUDJQLQJHQ PHG WLGHQ NRPPLW DWW EOL DOOW PHU

DNWXHOO EHURU L VLQ WXU Sn GHQ SURGXNWXWYHFNOLQJ VRP VNHWW Sn I|UVlNULQJV

PDUNQDGHQ GH VHQDVWH nUHQ 'HQ XWYHFNOLQJHQ NDQ VlJDV KD LQOHWWV PHG

DWW IRQGI|UVlNULQJDU EOLYLW HQ DOOW YLNWLJDUH VSDUIRUP RFK KDU GlUHIWHU JnWW

PRW I|UVlNULQJVSURGXNWHU VRP DYVHU DWW HIWHUOLNQD GLUHNWD LQYHVWHULQJDU L

DQGUD W\SHU DY ILQDQVLHOOD LQVWUXPHQW VnVRP EO D DNWLHU RFK lYHQ V N

VWUXNWXUHUDGH SURGXNWHU GYV ILQDQVLHOOD LQVWUXPHQW YDUV YlUGH L VLQ WXU lU

H[SRQHUDW PRW DQGUD WLOOJnQJDU 'HQQD SURGXNWXWYHFNOLQJ KDU OHWW WLOO DWW

DOOW IOHU SUHVXPWLYD LQYHVWHUDUH NRPPLW L NRQWDNW PHG I|UVlNULQJVI|UPHG

ODUH YLONHW L VLQ WXU EHURU Sn IOHUD IDNWRUHU WLOO H[HPSHO DWW SHQVLRQV

V\VWHPHW QXPHUD LQQHKnOOHU I|UVlNULQJVNRPSRQHQWHU VRP I|UXWVlWWHU HWW

LQGLYLGXHOOW DQVYDUVWDJDQGH I|U GHW HJQD SHQVLRQVVSDUDQGHW 9LGDUH KDU

PDUNQDGHQ I|U LQGH[REOLJDWLRQHU H[SDQGHUDW PHG EO D I|UVlNULQJV

I|UPHGODUH VRP YLNWLJ GLVWULEXWLRQVNDQDO 'HQ PLQGUH NRPSOLFHUDGH RFK

NRVWVDPPD WLOOVWnQGVSURFHVVHQ RFK UHJHOYHUNHW I|U I|UVlNULQJVI|UPHGODUH

VDPW P|MOLJKHWHQ DWW ELQGD I|UVlNULQJVWDJDUH WLOO OlQJUH DYWDOVI|UKnOO

DQGHQ LQQHIDWWDQGHV NRQWLQXHUOLJD LQYHVWHULQJDU lQ L I|UKnOODQGH WLOO

GLUHNWD SODFHULQJDU L ILQDQVLHOOD LQVWUXPHQW JHQRP W H[ HQ

YlUGHSDSSHUVGHSn KDU ELGUDJLW WLOO DWW I|UVlNULQJVO|VQLQJDU NRPPLW DWW

UHNRPPHQGHUDV DOOW RIWDUH

'HW NDQ VRP QlPQV RYDQ NRQVWDWHUDV DWW JUlQVGUDJQLQJHQ DY WLOOlPS

QLQJVRPUnGHQD I|U I|UVlNULQJVI|UPHGOLQJVODJHQ RFK ODJHQ RP YlUGH

SDSSHUVPDUNQDGHQ lU DY VWRU EHW\GHOVH I|U YLONHQ YHUNVDPKHW VRP

I|UVlNULQJVI|UPHGODUH RFK YlUGHSDSSHUVLQVWLWXW InU GULYD , I|UOlQJQLQJHQ

KDU GHWWD lYHQ LPSOLNDWLRQHU I|U UlFNYLGGHQ DY GHQ DQVYDUI|UVlNULQJ VRP

YLVVD DQVYDUVI|UVlNULQJVJLYDUH HUEMXGHU RFK VRP DOOD I|UVlNULQJVI|U

PHGODUH PHG HJHW WLOOVWnQG lU VN\OGLJD DWW WHFNQD )|U I|UVlNULQJV

I|UHWDJHQV UnGJLYQLQJVYHUNVDPKHW KDU JUlQVGUDJQLQJVIUnJDQ GlUHPRW LQWH

KLWWLOOV YDULW DY GLUHNW EHW\GHOVH HIWHUVRP HQGDVW I|UVlNULQJVU|UHOVHODJHQ

RFK ODJHQ RP ILQDQVLHOO UnGJLYQLQJ WLOO NRQVXPHQWHU UnGJLY

QLQJVODJHQ YDULW WLOOlPSOLJ Sn GHQ YHUNVDPKHWHQ $QOHGQLQJHQ WLOO GHWWD

lU DWW I|UVlNULQJVI|UHWDJ lU XQGDQWDJQD IUnQ WLOOlPSQLQJVRPUnGHW I|U EnGH

I|UVlNULQJVI|UPHGOLQJVODJHQ RFK ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ (WW

I|UVlNULQJVI|UHWDJ EHK|YHU PHG DQGUD RUG LQWH WLOOVWnQG HQOLJW GH ODJDUQD

I|U DWW XWI|UD VnGDQ YHUNVDPKHW

7LGLJDUH I|UVODJ RFK SUD[LV

Promemorian Stärkt konsumentskydd vid försäkringsförmedling

, MXQL SXEOLFHUDGHV GHSDUWHPHQWVSURPHPRULDQ 6WlUNW NRQVXPHQW

VN\GG YLG I|UVlNULQJVI|UPHGOLQJ 'V 'HQ SURPHPRULDQ

LQQHKnOOHU EO D HWW I|UVODJ RP HWW I|UW\GOLJDQGH L I|UVlNULQJVI|UPHG

OLQJVODJHQ DYVHHQGH LQQHE|UGHQ DY EHJUHSSHW I|UVlNULQJVI|UPHGOLQJ

0HG I|UVlNULQJVI|UPHGOLQJ VND HQOLJW GHW I|UW\GOLJDQGHW lYHQ DYVHV DWW

JH UnG RP KXU NXQGHQ VND SODFHUD I|UVlNULQJVSUHPLHU L IUnJD RP OLYI|U

VlNULQJ (WW VnGDQW I|UW\GOLJDQGH DQJHV LQQHElUD HQ NRGLILHULQJ DY

JlOODQGH UlWW VDPW YDUD I|UHQOLJW PHG I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW

HIWHUVRP GHW L GHW GLUHNWLYHW I|UXWVlWWV DWW HQ I|UVlNULQJVI|UPHGODUH InU

ELVWn YLG I|UYDOWQLQJ DY I|UVlNULQJVDYWDO DUWLNHO

(Q VWnQGSXQNW L GHQ SURPHPRULDQ lU DWW UHNRPPHQGDWLRQHU RP SODFH

ULQJDU L ILQDQVLHOOD LQVWUXPHQW LQRP I|UVlNULQJVDYWDO VND DQVHV XWJ|UD

opaginerad 2013 års värdepappersmarknadsutredning Kontrollera mot PDF

VnGDQD UnG RP SODFHULQJ DY I|UVlNULQJVSUHPLHU VRP RPIDWWDV DY EH JUHSSHW I|UVlNULQJVI|UPHGOLQJ 0RWLYHULQJHQ lU L KXYXGVDN DWW VnGDQD UHNRPPHQGDWLRQHU HQGDVW DYVHU ´LQGLUHNWD SODFHULQJDU´ L ILQDQVLHOOD LQVWUXPHQW HIWHUVRP GHW IRUPHOOW lU I|UVlNULQJVI|UHWDJHW VRP lJHU GH ILQDQVLHOOD LQVWUXPHQWHQ VRP I|UVlNULQJHQV YlUGH VHGDQ H[SRQHUDV PRW )|UVlNULQJVI|UPHGOLQJVODJHQ lU Gn DOOWVn HQOLJW GHW VRP DQJHV L GHQ SURPHPRULDQ HQVDPW WLOOlPSOLJ QlU GHW JlOOHU HQ UnGJLYDUHV PHGYHUNDQ YLG SODFHULQJHQ 3n PRWVYDUDQGH VlWW DQJHV GHWWD LQQHElUD HWW KLQGHU I|U YlUGHSDSSHUVLQVWLWXW DWW PHGYHUND YLG VnGDQD SODFHULQJDU HIWHUVRP YHUNVDPKHWHQ XWJ|U WLOOVWnQGVSOLNWLJ I|UVlNULQJVI|UPHGOLQJ

, SURPHPRULDQ IUDPKnOOV YLGDUH DWW GHQQD EHJUlQVQLQJ IUDPJnU L IUnJD RP LQYHVWHULQJVWMlQVWHQ LQYHVWHULQJVUnGJLYQLQJ DY JHQRPI|UDQGH GLUHNWLYHW WLOO 0L),' , DUWLNHO (QOLJW GHW GLUHNWLYHW LQQHElU VRP QlPQV RYDQ LQYHVWHULQJVUnGJLYQLQJ HQ SHUVRQOLJ UHNRPPHQGDWLRQ WLOO HQ SHUVRQ L HJHQVNDS DY LQYHVWHUDUH HOOHU SUHVXPWLY LQYHVWHUDUH 5HNRPPHQGDWLRQHQ VND DYVH DWW N|SD VlOMD WHFNQD VLJ I|U E\WD O|VD LQ EHKnOOD HOOHU JDUDQWHUD HWW VSHFLHOOW ILQDQVLHOOW LQVWUXPHQW HOOHU DWW XWQ\WWMD HOOHU LQWH XWQ\WWMD HQ UlWW VRP JHV JHQRP HWW YLVVW ILQDQVLHOOW LQVWUXPHQW HOOHU DWW N|SD VlOMD WHFNQD VLJ I|U E\WD HOOHU O|VD LQ HWW ILQDQVLHOOW LQVWUXPHQW 'HQQD GHILQLWLRQ XWHVOXWHU HQOLJW GHQ SURPHPRULDQ VnOHGHV

indirekta placeringar L ILQDQVLHOOD LQVWUXPHQW JHQRP HQ OLYI|UVlNULQJ , GHQ SURPHPRULDQ IUDPKnOOV lYHQ DWW HQ VWRU GHO DY GH lQGULQJDU VRP

I|UHVOnV L GHW YLG WLGSXQNWHQ I|UHOLJJDQGH I|UVODJHW WLOO I|UVlNULQJVGLVWUL EXWLRQVGLUHNWLY V\IWDU WLOO DWW VNDSD HWW OLNYlUGLJW NXQGVN\GG YLG LQGLUHNWD LQYHVWHULQJDU L ILQDQVLHOOD LQVWUXPHQW JHQRP I|UVlNULQJDU MlPI|UW PHG PRWVYDUDQGH VN\GG YLG GLUHNWD LQYHVWHULQJDU HQOLJW 0L),' ,, 8WJnQJV SXQNWHQ I|U |YHUV\QHQ DY I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW V\QHV DOOWVn HQOLJW GHQ SURPHPRULDQ YDUD DWW GHQ UnGJLYQLQJ VRP U\PV LQRP EH JUHSSHW I|UVlNULQJVI|UPHGOLQJ lYHQ NDQ DYVH SODFHULQJDU L ILQDQVLHOOD LQVWUXPHQW LQRP UDPHQ I|U HWW OLYI|UVlNULQJVDYWDO

0|MOLJKHWHQ DWW WLOOKDQGDKnOOD UnGJLYQLQJ DYVHHQGH HWW I|UVlNULQJVDYWDO DQJHV GRFN L GHQ SURPHPRULDQ LQWH LQQHElUD DWW I|UVlNULQJVI|UPHGODUHQ InU GULYD YlUGHSDSSHUVU|UHOVH HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ , SURPHPRULDQ QRWHUDV DWW GHW OHGHU WLOO YLVVD EHJUlQVQLQJDU QlU GHW JlOOHU KDQWHULQJHQ DY YLGDUHEHIRUGUDQ DY RUGHU IUnQ NXQGHU 6nOHGHV JlOOHU DWW I|UVlNULQJVI|UPHGOLQJVODJHQ LQWH JHU XWU\PPH I|U DWW HQ I|UVlNULQJV I|UPHGODUH VND In WD HPRW RUGHU IUnQ HQ NXQG HOOHU HWW I|UVlNULQJVI|UHWDJ RFK YLGDUHEHIRUGUD HQ VnGDQ RUGHU WLOO HWW YlUGHSDSSHUVLQVWLWXW 6nGDQ RUGHUKDQWHULQJ InU QlPOLJHQ EDUD XWI|UDV DY I|UHWDJ VRP KDU WLOOVWnQG DWW GULYD YlUGHSDSSHUVU|UHOVH VRP RPIDWWDU LQYHVWHULQJVWMlQVWHQ PRWWDJDQGH RFK YLGDUHEHIRUGUDQ DY RUGHU )|UVlNULQJVI|UPHGODUHQV EHIDWWQLQJ PHG LQYHVWHULQJDU LQRP I|UVlNULQJVDYWDO lU GlUI|U ERUWVHWW IUnQ VMlOYD UnGJLY QLQJHQ HQOLJW GHQ SURPHPRULDQ EHJUlQVDG WLOO DWW WLOOJRGRVH NXQGHQV |QVNHPnO RP GLVSRVLWLRQHU L I|UVlNULQJHQ JHQRP DWW I|UPHGODUHQ KDQWHUDU GHWWD JHQWHPRW I|UVlNULQJVI|UHWDJHW VRP GlUHIWHU InU OlJJD RUGHUQ KRV HWW YlUGHSDSSHUVLQVWLWXW

2013 års värdepappersmarknadsutredning

, MDQXDUL UHGRYLVDGH nUV YlUGHSDSSHUVPDUNQDGVXWUHGQLQJ VLWW

XSSGUDJ L EHWlQNDQGHW 9lUGHSDSSHUVPDUNQDGHQ 0L),' ,, RFK 0L),5

opaginerad EHWUDNWDV VRP LQYHVWHULQJVUnGJLYQLQJ Kontrollera mot PDF

628 )|UVODJHQ L EHWlQNDQGHW L QX UHOHYDQWD GHODU RPIDWWDU GH lQGULQJDU RFK WLOOlJJ L EO D ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ I|UVlN ULQJVI|UPHGOLQJVODJHQ RFK I|UVlNULQJVU|UHOVHODJHQ VRP XWUHGQLQJHQ DQVHU I|UDQOHGGD L DQOHGQLQJ DY JHQRPI|UDQGHW L VYHQVN UlWW DY 0L),' ,, 8WUHGQLQJ IUDPKnOOHU DWW GHQ LQWH J|U VDPPD LQVNUlQNDQGH WRONQLQJ DY EHJUHSSHW LQYHVWHULQJVUnGJLYQLQJ VRP J|UV L VDPEDQG PHG DWW GHILQL WLRQHQ DY EHJUHSSHW I|UVlNULQJVI|UPHGOLQJ EHKDQGODV L SURPHPRULDQ 6WlUNW NRQVXPHQWVN\GG YLG I|UVlNULQJVI|UPHGOLQJ 8WUHGQLQJHQ PHQDU DWW lYHQ YlUGHSDSSHUVLQVWLWXW E|U In WLOOKDQGDKnOOD LQYHVWHULQJVUnGJLYQLQJ LQRP UDPHQ I|U HQ OLYI|UVlNULQJ 8WUHGQLQJHQ IUDPKnOOHU DWW VOXWVDWVHQ DWW GHILQLWLRQHQ DY LQYHVWHULQJVUnGJLYQLQJ XWHVOXWHU UHNRPPHQGDWLRQHU RP SODFHULQJDU L ILQDQVLHOOD LQVWUXPHQW LQRP HQ OLYI|UVlNULQJ W\FNV EDVHUDG Sn HQ IHODNWLJ WRONQLQJ DY YDG VRP DYVHV PHG HQ SHUVRQOLJ UHNRPPHQ GDWLRQ L JHQRPI|UDQGHGLUHNWLYHW WLOO 0L),' , 9LG HQ SODFHULQJ LQRP UDPHQ I|U HQ I|UVlNULQJ lU GHW GHQ I|UVlNUDGH VRP InU UHNRPPHQGDWLRQHQ RFK I|UVlNULQJVI|UHWDJHW VRP IRUPHOOW N|SHU VlOMHU HOOHU WHFNQDU VLJ RFK VnGDQ UnGJLYQLQJ VNXOOH PHG XWJnQJVSXQNWHQ L QlPQGD SURPHPRULD DOOWVn LQWH RPIDWWDV DY GHILQLWLRQHQ DY LQYHVWHULQJVUnGJLYQLQJ 8WUHG QLQJHQ DQPlUNHU GRFN DWW GHW YDUNHQ L 0L),' , HOOHU 0L),' ,, ILQQV QnJRW NUDY Sn DWW GHW VND YDUD VDPPD SHUVRQ VRP InU UHNRPPHQGDWLRQHQ RFK VRP N|SHU HOOHU VlOMHU GHW ILQDQVLHOOD LQVWUXPHQWHW I|U DWW UnGHW VND

EHWUDNWDV VRP LQYHVWHULQJVUnGJLYQLQJ

(QOLJW XWUHGQLQJHQV PHQLQJ lU GHILQLWLRQHQ DY LQYHVWHULQJVUnGJLYQLQJ WYlUWRP PHGYHWHW XWIRUPDG I|U DWW WlFND LQ lYHQ VLWXDWLRQHU QlU GHQ VRP InU UnGHW RFK GHQ VRP JHQRPI|U WUDQVDNWLRQHQ lU ROLND SHUVRQHU , QlPQGD JHQRPI|UDQGHGLUHNWLY DQJHV W H[ DWW GHQ VRP WDU HPRW UHNRPPHQGDWLRQHQ NDQ J|UD GHW L HJHQVNDS DY LQYHVWHUDUH HOOHU RPEXG I|U HQ LQYHVWHUDUH 'HWWD DQJHV RFNVn |YHUHQVVWlPPD PHG NRPPLV VLRQHQV XSSIDWWQLQJ HIWHUVRP GHW Sn ZHEESODWVHQ ´<RXU TXHVWLRQV RQ 0L),'´ VWlOOWV MXVW HQ IUnJD RP KXUXYLGD GHQ VRP OlPQDU UnG RP IRQGHU LQRP UDPHQ I|U HQ I|UVlNULQJ EHK|YHU WLOOVWnQG HQOLJW 0L),' , 3n GHWWD DQJHV NRPPLVVLRQHQ VYDUDW DWW GHW NUlYV VnGDQW WLOOVWnQG RP UnGHW DYVHU VSHFLILND ILQDQVLHOOD LQVWUXPHQW 'lUXW|YHU LQVNUlQNV EHJUHSSHW LQYHVWHUDUH LQWH QnJRQVWDQV L 0L),' ,, WLOO DWW HQEDUW DYVH GLUHNW LQYHVWHUDUH $WW VHGDQ DQGUD DNW|UHU lQ YlUGHSDSSHUVLQVWLWXW W H[ I|UVlN ULQJVI|UHWDJ RFK I|UVlNULQJVI|UPHGODUH NDQ lJQD VLJ nW UnGJLYQLQJ I|OMHU HQOLJW XWUHGQLQJHQ DY XQGDQWDJHQ L 0L),' ,, RFK YDG VRP LQU\PV L UHVSHNWLYH I|UHWDJVW\SV WLOOVWnQG

Finansinspektionen och domstolspraxis

'HW ODJVW|G VRP L I|UVWD KDQG DQI|UWV I|U DWW I|UVlNULQJVI|UPHGODUH VND In JH SHUVRQOLJD UHNRPPHQGDWLRQHU RP SODFHULQJDU L ILQDQVLHOOD LQVWUXPHQW LQRP HQ OLYI|UVlNULQJ lU HQ UHODWLYW H[WHQVLY WRONQLQJ DY GHODU DY I|UVlN ULQJVI|UPHGOLQJVGLUHNWLYHWV RFK I|UVlNULQJVI|UPHGOLQJVODJHQV GHILQLWLRQ DY I|UVlNULQJVI|UPHGOLQJ GYV UlFNYLGHQ DY ´DWW ELVWn YLG I|UYDOWQLQJ RFK IXOOJ|UDQGH DY I|UVlNULQJVDYWDO´ bYHQ GHW VRP DQJHV L I|UDUEHWHQD WLOO I|UVlNULQJVI|UPHGOLQJVODJHQ RP DWW I|UVlNULQJVI|UPHGOLQJ RPIDWWDU UnGJLYQLQJ RP OlPSOLJD GLVSRVLWLRQHU LQRP UDPHQ I|U HWW UHGDQ VOXWHW I|UVlNULQJVDYWDO KDU WDJLWV VRP LQWlNW I|U GHQ VOXWVDWVHQ SURS

opaginerad V 'HQ WRONQLQJHQ InU lYHQ HIWHUKDQG DQVHV YXQQLW YLVV VWDGJD Sn PDUNQDGHQ I|U ILQDQVLHOO UnGJLYQLQJ Kontrollera mot PDF

V 'HQ WRONQLQJHQ InU lYHQ HIWHUKDQG DQVHV YXQQLW YLVV VWDGJD Sn PDUNQDGHQ I|U ILQDQVLHOO UnGJLYQLQJ

'HQ QlPQGD RVlNHUKHWHQ NULQJ UHJOHULQJHQ KDU lYHQ I|UDQOHWW )LQDQV LQVSHNWLRQHQ DWW DYVWn IUnQ LQJULSDQGHQ YLONHW L VLJ \WWHUOLJDUH EHIlVW UlWWVOlJHW 0\QGLJKHWHQ XSSGURJ L MXQL nW HQ H[WHUQ XWUHGDUH DWW DQDO\VHUD EO D GHQQD JUlQVGUDJQLQJVIUnJD DYVHHQGH I|UVlNULQJVI|UPHG ODUHV YHUNVDPKHW VH )UHGULF .RUOLQJV UDSSRUW WLOO )LQDQVLQVSHNWLRQHQ (Q DY VOXWVDWVHUQD L UDSSRUWHQ YDU DWW UlWWVOlJHW IUDPVWRG VRP RNODUW RFK DWW LQVSHNWLRQHQ GlUI|U PHG KlQYLVQLQJ WLOO GHQ V N I|UVLNWLJKHWVSULQFLSHQ I|UHVORJV DYVWn IUnQ NUDY Sn WLOOVWnQG I|U YlUGH SDSSHUVU|UHOVH L GHVVD VLWXDWLRQHU )LQDQVLQVSHNWLRQHQV SUD[LV KDU lYHQ YLVVD SUDJPDWLVND EHYHNHOVHJUXQGHU ,QVSHNWLRQHQ XSSPlUNVDPPDGH QlPOLJHQ HWW SUREOHP PHG DWW I|UVlNULQJVI|UPHGODUH DQYlQGH VLJ DY EHJUHSSHW PDUNQDGVI|ULQJ DY ILQDQVLHOOD LQVWUXPHQW GYV UHNRPPHQGDWLRQHU VRP LQWH XSSI\OOHU UHNYLVLWHQ I|U LQYHVWHULQJV UnGJLYQLQJ HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ RFK GlULJHQRP NULQJJLFN GH UHJHOYHUN VRP LQI|UWV I|U DWW VN\GGD NRQVXPHQWHUQD VH 7LOOV\QVUDSSRUW ± )LQDQVLQVSHNWLRQHQ V I )LQDQVLQVSHNWLRQHQ LQWRJ GlUI|U VWnQGSXQNWHQ DWW VnGDQ YHUNVDPKHW YDU XQGHUNDVWDG I|UVlN ULQJVI|UPHGOLQJVUHJHOYHUNHW 5LVNHQ IDQQV DQQDUV DWW GHQ YHUNVDPKHWHQ ILFN DQVHV YDUD KHOW RUHJOHUDG HIWHUVRP PDUNQDGVI|ULQJ DY ILQDQVLHOOD LQVWUXPHQW LQWH EHG|PWV WLOOVWnQGVSOLNWLJ HQOLJW 0L),' RFK ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ 6\IWHW PHG VWlOOQLQJVWDJDQGH YDU DOOWVn DWW I|U KLQGUD NULQJJnHQGHQ RFK DWW GlULJHQRP VWlUND NRQVXPHQWVN\GGHW ,QVSHNWLRQHQ KDU GRFN Sn VHQDUH WLG lQGUDW VLWW WLGLJDUH VWlOOQLQJVWDJDQGH L JUlQVGUDJQLQJVIUnJDQ RFK DQVHU QXPHU DWW UHNRPPHQGDWLRQHU RP ILQDQ VLHOOD LQVWUXPHQW LQRP HQ OLYI|UVlNULQJ XWJ|U LQYHVWHULQJVUnGJLYQLQJ HQ OLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ VH UHPLVVYDU DYVHHQGH XWUHG QLQJHQV I|UVODJ QHGDQ

*UlQVGUDJQLQJVIUnJDQ KDU YLGDUH YDULW I|UHPnO I|U VYHQVND GRPVWROV DYJ|UDQGHQ RFK lYHQ IOHUD lUHQGHQ L $OOPlQQD UHNODPDWLRQVQlPQGHQ (Q JHPHQVDP QlPQDUH I|U GHVVD IDOO KDU YDULW DWW GH DYVHWW HUVlWWQLQJ WLOO NXQGHU IUnQ I|UVlNULQJVI|UPHGODUHV REOLJDWRULVND DQVYDUVI|UVlNULQJ Sn JUXQG DY VNDGHVWnQGVDQVSUnN L DQOHGQLQJ DY UHNRPPHQGDWLRQHU RP ILQDQVLHOOD LQVWUXPHQW YDUV YlUGH NRSSODWV WLOO OLYI|UVlNULQJVO|VQLQJDU (Q DY JUXQGI|UXWVlWWQLQJDUQD I|U DWW HUKnOOD DQVYDUVI|UVlNULQJVHUVlWWQLQJ lU GRFN DWW GHQ YHUNVDPKHW VRP RUVDNDW VNDGDQ GHILQLWLRQVPlVVLJW XWJ|U I|UVlNULQJVI|UPHGOLQJ 'HW KDU DWW J|UD PHG DWW I|UVlNULQJVI|UPHGODUHV REOLJDWRULVND DQVYDUVI|UVlNULQJ HQGDVW WlFNHU ´I|UVlNULQJVI|UPHGOLQJ´ )UnJDQ RP UlFNYLGGHQ DY GHW U|UHOVHUlWWVOLJD EHJUHSSHW I|UVlNULQJVI|U PHGOLQJ lU VnOHGHV LQGLUHNW DYJ|UDQGH lYHQ FLYLOUlWWVOLJW L GHVVD IDOO I|U RP NXQGHQ YLG YnUGVO|V UnGJLYQLQJ NDQ WLOOJRGRJ|UD VLJ VNDGHVWnQG XU I|UVlNULQJVI|UPHGODUHQV DQVYDUVI|UVlNULQJ

+|JVWD GRPVWROHQ PHGGHODGH L GHFHPEHU SU|YQLQJVWLOOVWnQG L HWW PnO VRP DYVHU MXVW IUnJDQ RP HQ VnGDQ DQVYDUVI|UVlNULQJV UlFNYLGG 7 , PnOHW L IUnJD KDGH HQ I|UVlNULQJVWDJDUH \UNDW HUVlWWQLQJ IUnQ HWW I|UVlNULQJVI|UHWDJ L DQOHGQLQJ DY YnUGVO|V UnGJLYQLQJ VRP OlPQDWV DY HQ I|UVlNULQJVI|UPHGODUH VRP KDIW VLQ DQVYDUVI|UVlNULQJ KRV I|UVlNULQJVI|UHWDJHW 'HQ I|UPHGODGH I|UVlNULQJHQ XWJMRUGHV DY HQ GHSn

I|UVlNULQJ WLOO YLONHQ NQXWLWV HQ VWUXNWXUHUDG SURGXNW HWW V N LQYHVWHULQJV

FHUWLILNDW YLONHW lU HWW ILQDQVLHOOW LQVWUXPHQW VRP Sn UHODWLYW NRUW WLG

opaginerad .ODUJ|UDQGH L JUlQVGUDJQLQJVIUnJDQ Kontrollera mot PDF

I|UORUDW KHOD VLWW YlUGH %nGD XQGHUUlWWHUQD JLFN Sn I|UVlNULQJVWDJDUHQV

OLQMH RFK DYJMRUGH HIWHU HQ QRJJUDQQ JHQRPJnQJ RFK WRONQLQJ DY I|UVlN

ULQJVI|UPHGOLQJVGLUHNWLYHW RFK 0L),' , DWW UnGJLYQLQJHQ ILFN DQVHV XW

J|UD I|UVlNULQJVI|UPHGOLQJ $Y EHW\GHOVH I|U WLQJVUlWWHQV EHG|PQLQJ

ODGHV EO D YLNW YLG DWW IUnQYDURQ DY LQJULSDQGHQ IUnQ )LQDQVLQVSHNWLRQHQ

ILFN DQVHV KD JHWW NXQGHQ IRJ DWW WUR DWW UnGJLYQLQJHQ XWJMRUW

I|UVlNULQJVI|UPHGOLQJ +|JVWD GRPVWROHQ KDU L RNWREHU EHVOXWDW DWW

LQKlPWD HWW I|UKDQGVDYJ|UDQGH IUnQ (8 GRPVWROHQ RP WRONQLQJHQ DY

GLUHNWLYHQ L GHQQD GHO

.ODUJ|UDQGH L JUlQVGUDJQLQJVIUnJDQ

3URPHPRULDQV I|UVODJ 6RP I|UVlNULQJVGLVWULEXWLRQ VND LQWH DYVHV YHUNVDPKHW VRP XWJ|U YlUGHSDSSHUVU|UHOVH HQOLJW ODJHQ RP YlUGH SDSSHUVPDUNQDGHQ VRP JlOOHU I|UVlNULQJVEDVHUDGH LQYHVWHULQJV SURGXNWHU HOOHU SHQVLRQVI|UVlNULQJDU VRP lU H[SRQHUDGH PRW PDUNQDGVYRODWLOLWHW

3URPHPRULDQ 6WlUNW NRQVXPHQWVN\GG YLG I|UVlNULQJVI|UPHGOLQJV 'V I|UVODJ DYYLNHU IUnQ SURPHPRULDQV I|UVODJ (QOLJW GHQ SUR PHPRULDQV I|UVODJ VND I|UVlNULQJVI|UPHGOLQJ DQVHV LQQHIDWWD UnGJLYQLQJ DYVHHQGH SODFHULQJDU L ILQDQVLHOOD LQVWUXPHQW LQRP UDPHQ I|U HWW OLYI|UVlNULQJVDYWDO

5HPLVVLQVWDQVHUQD )OHUWDOHW UHPLVVLQVWDQVHU WLOOVW\UNHU I|UVODJHW PHQ LQYlQGHU PRW VWnQGSXQNWHQ DWW HWW YlUGHSDSSHUVLQVWLWXWV WLOOVWnQG DWW WLOOKDQGDKnOOD LQYHVWHULQJVUnGJLYQLQJ LQWH RPIDWWDU P|MOLJKHW DWW JH UnG RP SODFHULQJDU L ILQDQVLHOOD LQVWUXPHQW LQRP HQ OLYI|UVlNULQJ 9LGDUH IUDPKnOOHU IOHUD UHPLVVLQVWDQVHU DWW GHW lU DY VWRU YLNW DWW IUnJDQ RP JUlQVGUDJQLQJHQ PHOODQ I|UVlNULQJVI|UPHGOLQJ RFK YHUNVDPKHW VRP lU

WLOOVWnQGVSOLNWLJ HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ XWUHGV \WWHUOLJDUH RFK EOLU W\GOLJ (QOLJW Svenska försäkringsförmedlares förening RFK Max Matthiessen AB E|U GH DNW|UHU VRP OlPQDU UnG RP

ILQDQVLHOOD LQVWUXPHQW lYHQ LQRP HQ OLYI|UVlNULQJ DQVHV XWI|UD LQYHVWHULQJVUnGJLYQLQJ HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ RFK GlUI|U KD WLOOVWnQG I|U YlUGHSDSSHUVU|UHOVH HQOLJW GHQ ODJHQ

8WUHGQLQJHQV I|UVODJ 628 |YHUHQVVWlPPHU GHOYLV PHG SURPHPRULDQV I|UVODJ 8WUHGQLQJHQV I|UVODJ DYYLNHU IUnQ SURPHPRULDQV I|UVODJ JHQRP DWW HQOLJW XWUHGQLQJHQV I|UVODJ VND I|UVlNULQJVI|UPHGOLQJ DQVHV RPIDWWD DWW OlPQD UnG WLOO NRQVXPHQWHU RP SODFHULQJDU L ILQDQVLHOOD LQVWUXPHQW LQRP UDPHQ I|U HWW I|UVlNULQJVDYWDO

5HPLVVLQVWDQVHUQD )OHUWDOHW UHPLVVLQVWDQVHU WLOOVW\UNHU I|UVODJHW HOOHU KDU LQJHW DWW LQYlQGD PRW GHW Finansinspektionen KlQYLVDU WLOO DWW P\Q

GLJKHWHQ WLGLJDUH LQWDJLW VWnQGSXQNWHQ DWW WLOOVWnQG I|U I|UVlNULQJVI|UPHG OLQJ lYHQ RPIDWWDU UnGJLYQLQJ RP ILQDQVLHOOD LQVWUXPHQW LQRP HQ I|UVlN ULQJ 'HW VWlOOQLQJVWDJDQGH KDU HQOLJW LQVSHNWLRQHQ EO D I|UDQOHWWV DY DWW I|UPHGODUH NULQJJnWW UHJHOYHUNHW JHQRP DWW DQYlQGD VLJ DY EHJUHSSHW ´PDUNQDGVI|ULQJ´ DY ILQDQVLHOOD LQVWUXPHQW 0HG KlQV\Q WLOO EO D GHQ XWYHFNOLQJ DY I|UVlNULQJVI|UPHGODUQDV YHUNVDPKHW VRP VNHWW XQGHU VHQDUH nU DQVHU GRFN )LQDQVLQVSHNWLRQHQ DWW GHW ILQQV DQOHGQLQJ DWW RP

YlUGHUD VLWW WLGLJDUH VWlOOQLQJVWDJDQGH ,QVSHNWLRQHQ NRQVWDWHUDU DWW UnG

opaginerad 6NlOHQ I|U SURPHPRULDQV I|UVODJ Kontrollera mot PDF

JLYQLQJ RP SODFHULQJDU L ILQDQVLHOOD LQVWUXPHQW LQRP UDPHQ I|U HQ I|UVlNULQJ LQU\PV L EHJUHSSHQ LQYHVWHULQJVUnGJLYQLQJ RFK SRUWI|OMI|UYDOW QLQJ HQOLJW 0L),' ,, 8WUHGQLQJHQV VWlOOQLQJVWDJDQGH NODUJ|U GlUI|U HQOLJW )LQDQVLQVSHNWLRQHQ DWW VnGDQ YHUNVDPKHW lU WLOOVWnQGVSOLNWLJ HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ RFK 0L),' ,, 'HWWD LQQHElU HQOLJW )LQDQVLQVSHNWLRQHQ DWW I|UVlNULQJVI|UPHGODUH LQWH L PRWVDWV WLOO QX JlOODQGH VYHQVN SUD[LV RFK LQVSHNWLRQHQV WLGLJDUH VWnQGSXQNW NDQ JH UnG HQV RP IRQGDQGHODU LQRP UDPHQ I|U WLOOVWnQGHW I|U I|UVlNULQJVI|UPHGOLQJ HQOLJW I|UVlNULQJVI|UPHGOLQJVODJHQ )|U DWW In GULYD VnGDQ YHUNVDPKHW

NUlYV VnOHGHV WLOOVWnQG I|U YlUGHSDSSHUVU|UHOVH DOWHUQDWLYW XQGDQWDJ IUnQ ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ Konsumentverket DQVHU DWW I|UVlN ULQJVI|UPHGODUH VRP OlPQDU UnG RP ILQDQVLHOOD LQVWUXPHQW LQRP UDPHQ I|U HQ NRQVXPHQWV I|UVlNULQJ E|U DQVHV XWJ|UD LQYHVWHULQJVUnGJLYQLQJ HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ RFK DWW I|UPHGODUHQ GlUI|U VND KD WLOOVWnQG HQOLJW GHQ ODJHQ I|U DWW In XWI|UD VnGDQ UnGJLYQLQJ

6NlOHQ I|U SURPHPRULDQV I|UVODJ

Behovet av ett förtydligande

'HW NDQ LQOHGQLQJVYLV NRQVWDWHUDV DWW GHW ILQQV HWW VWRUW EHKRY DY DWW W\GOLJJ|UD JUlQVGUDJQLQJHQ PHOODQ UHJHOYHUNHW I|U I|UVlNULQJVWMlQVWHU RFK GH UHJOHU VRP JlOOHU I|U YlUGHSDSSHUVU|UHOVH ± QnJRW VRP lYHQ HIWHUIUnJDV DY IOHUD UHPLVVLQVWDQVHU 'HWWD EHKRY J|U VLJ VWDUNW JlOODQGH L I|UKnOODQGH WLOO VnYlO )LQDQVLQVSHNWLRQHQV WLOOV\Q VRP PDUNQDGV

DNW|UHUQDV YHUNVDPKHW RFK VN\GGHW I|U GHUDV NXQGHU 'HW ILQQV L GHW VDPPDQKDQJHW DQOHGQLQJ DWW L OLNKHW PHG Finansinspektionen EHWRQD DWW GHQ XWYHFNOLQJ DY I|UVlNULQJVI|UPHGODUQDV YHUNVDPKHW VRP VNHWW XQGHU VHQDUH nU |YHUODJ I|UDQOHGHU nWJlUGHU I|U DWW VWlUND NXQGVN\GGHW

%HKRYHW DY HWW NODUJ|UDQGH L GHWWD VDPPDQKDQJ E|U GRFN EO D YlJDV PRW DWW +|JVWD GRPVWROHQ VRP QlPQV RYDQ L RNWREHU EHVOXWDW DWW LQKlPWD HWW I|UKDQGVDYJ|UDQGH IUnQ (8 GRPVWROHQ QlU GHW JlOOHU WRONQLQJHQ DY YLVVD JUlQVGUDJQLQJVIUnJRU PHOODQ WLOOlPSQLQJVRPUnGHQD I|U I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW RFK 0L),' , 'HW NDQ L DQOHGQLQJ DY GHQ UlWWVSURFHVVHQ DQWDV DWW YLVV YlJOHGQLQJ NRPPHU JHV DY (8 GRPVWROHQ VRP lYHQ lU WLOOlPSEDU L IUnJD RP WRONQLQJHQ DY KXU I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW I|UKnOOHU VLJ WLOO 0L),' ,, $QOHGQLQJHQ lU DWW WLOOlPSQLQJVRPUnGHQD I|U GH WYn lOGUH GLUHNWLYHQ L GH GHODU VRP QX lU DNWXHOOD L VWRUD GHODU |YHUHQVVWlPPHU PHG GH I|U GH WYn VLVWQlPQGD GLUHNWLYHQ 0RW GHQ EDNJUXQGHQ J|UV QX I|OMDQGH EHG|PQLQJ

'HW NDQ LQWH ERUWVHV IUnQ DWW (8 GRPVWROHQV NRPPDQGH DYJ|UDQGH LQQHElU HQ UDG EHJUlQVQLQJDU QlU GHW JlOOHU GHW EUnGVNDQGH EHKRYHW DY I|UW\GOLJDQGHQ )|U GHW I|UVWD NRPPHU GHW DWW WD HQ LQWH RDQVHQOLJ WLG LQQDQ (8 GRPVWROHQ UHGRYLVDU VLWW VWlOOQLQJVWDJDQGH 'HW JnU I|U GHW DQGUD LQWH DWW Sn I|UKDQG I|UXWVH KXU OnQJW GHW DYJ|UDQGHW NRPPHU DWW WLOOJRGRVH EHKRYHW DY HWW I|UW\GOLJDQGH 'HW ILQQV DOOWVn LQJD JDUDQWLHU I|U DWW I|UKDQGVDYJ|UDQGHW JHU VYDU PHG HQ |QVNYlUG W\GOLJKHW Sn VDPWOLJD GH IUnJRU VRP EHKRYHW RP I|UW\GOLJDQGH DYVHU %ODQG DQQDW JlOOHU GHW JUlQVGUDJQLQJVIUnJRU L I|UKnOODQGH WLOO DQGUD LQYHVWHULQJVWMlQVWHU lQ LQYHVWHULQJVUnGJLYQLQJ )|U GHW WUHGMH JlOOHU VRP IUDPJnU RYDQ DY J|UDQGHW L IRUPHOO PHQLQJ LQWH WRONQLQJHQ DY GHW GLUHNWLY VRP QX VND

JHQRPI|UDV L VYHQVN UlWW GYV I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 'HW

opaginerad Allmänna utgångspunkter och bedömning Kontrollera mot PDF

ILQQV YLVVHUOLJHQ VRP QlPQV RYDQ PnQJD OLNKHWHU PHOODQ GLUHNWLYHQ RFK JUlQVGUDJQLQJVIUnJRUQD PHQ lYHQ YLVVD VNLOOQDGHU VRP L VLJ NDQ WDOD I|U VNLOGD WRONQLQJDU 'HW ILQQV VnOHGHV VDPPDQIDWWQLQJVYLV HQ EHDNWDQVYlUG ULVN I|U DWW UHOHYDQWD IUnJRU NRPPHU NYDUVWn GHOYLV REHVYDUDGH lYHQ HIWHU GHW NRPPDQGH I|UKDQGVDYJ|UDQGHW

'HW JnU LQWH KHOOHU DWW ERUWVH IUnQ DWW (8 GRPVWROHQV EHVNHG RP WRON QLQJHQ NDQ LQQHElUD PLQGUH |QVNYlUGD HIIHNWHU Sn GHQ VYHQVND PDUN QDGHQ I|U ILQDQVLHOO UnGJLYQLQJ 'HQ VYHQVND I|UVlNULQJVPDUNQDGHQ RP IDWWDV L K|JUH JUDG lQ PDUNQDGHUQD L PnQJD DQGUD PHGOHPVVWDWHU DY SUR GXNWHU VRP L DOOW YlVHQWOLJW DYVHU DWW HIWHUOLNQD GLUHNW lJDQGH DY ILQDQ VLHOOD LQVWUXPHQW IUDPI|U DOOW JlOOHU GHW I|UHNRPVWHQ DY GHSnI|UVlN ULQJDU bYHQ RP 6YHULJH JLYHWYLV lU EXQGHW WLOO (8 GRPVWROHQV WRONQLQJ DY I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW E|U GHW L GHWWD VDPPDQKDQJ IUDP KnOODV DWW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW L K|JUH JUDG lQ I|UVlNULQJV I|UPHGOLQJVGLUHNWLYHW XWJ|U HWW V N PLQLPLKDUPRQLVHULQJVGLUHNWLY 'HW LQQHElU DWW GHW L I|UKnOODQGH WLOO I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW ILQQV HWW EHW\GDQGH XWU\PPH I|U PHGOHPVVWDWHUQD DWW LQI|UD QDWLRQHOOD UHJOHU RFK DWW VMlOYD WROND GHVVD RDYVHWW YDG (8 GRPVWROHQ NRPPHU IUDP WLOO L I|UKnOODQGH WLOO GHW VRP DQJHV L I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW

6DPPDQWDJHW InU GHW NRPPDQGH DYJ|UDQGHW RP I|UKDQGVDYJ|UDQGH IUnQ (8 GRPVWROHQ LQWH DQVHV XWJ|U WLOOUlFNOLJD VNlO I|U DWW DYVWn IUnQ DWW UHGDQ QX J|UD HWW NODUJ|UDQGH EHWUlIIDQGH JUlQVGUDJQLQJVIUnJDQ RFK EHJUHSSHW I|UVlNULQJVGLVWULEXWLRQ 'HW E|U L VWlOOHW EHWRQDV DWW GHW lU DY VWRU YLNW DWW GHW QX J|UV HWW W\GOLJW VWlOOQLQJVWDJDQGH VRP lU YlO DYYlJW PHG KlQV\Q WDJHQ WLOO GH ROLND I|UXWVlWWQLQJDU RFK EHKRY VRP ILQQV Sn GHQ VYHQVND PDUNQDGHQ I|U ILQDQVLHOO UnGJLYQLQJ

Allmänna utgångspunkter och bedömning

'HW E|U EHWRQDV DWW VMlOYD NlUQDQ L JUlQVGUDJQLQJVIUnJDQ DYVHU KXUXYLGD YLVV YHUNVDPKHW RPIDWWDV DY DQWLQJHQ I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW HOOHU 0L),' ,, HOOHU RP VnGDQ YHUNVDPKHW RPIDWWDV DY EnGD GLUHNWLYHQV RFK ODJDUQDV WLOOlPSQLQJVRPUnGHQ $Y EHW\GHOVH I|U GHQ IUnJDQ lU IUDPI|U DOOW GLUHNWLYHQV RUGDO\GHOVH QlU GHW JlOOHU WLOOlPSQLQJVRPUnGHQ RFK UHOHYDQWD XQGDQWDJ bYHQ DQGUD IDNWRUHU E|U GRFN JHV YLNW YLG EHG|PQLQJHQ

'HW NDQ L RFK I|U VLJ DUJXPHQWHUDV I|U DWW HQ EHG|PQLQJ DY JUlQVGUDJQLQJVIUnJDQ LQWH ERUGH YDUD VlUVNLOW NRPSOLFHUDG DWW J|UD )|U GHQ VRP LQWH QlUPDUH NRPPLW L NRQWDNW PHG IUnJDQ WRUGH GHW IUDPVWn VRP HQ VMlOYNODUKHW DWW HQ I|UVlNULQJVI|UPHGODUHV YHUNVDPKHW VND DYVH MXVW I|UVlNULQJDU RFK LQWH W H[ YlUGHSDSSHUVU|UHOVH lYHQ L GH IDOO I|UVlNULQJVSURGXNWHUQD XWIRUPDWV I|U DWW HIWHUOLNQD lJDQGH DY ILQDQVLHOOD LQVWUXPHQW bYHQ RP IUnJDQ lU OnQJW LIUnQ Vn HQNHO DWW DYJ|UD ILQQV GHW DQOHGQLQJ DWW WD GHQQD LQLWLDOD EHG|PQLQJ VRP XWJnQJVSXQNW I|U YLGDUH DQDO\V

8U HWW VWULNW MXULGLVNW SHUVSHNWLY lU VRP QlPQV RYDQ EHG|PQLQJHQ PHU NRPSOLFHUDG RFK HUEMXGHU IOHUD P|MOLJD XWIDOO YLONHW LQWH PLQVW IUDPJnU DY GH ROLND WRONQLQJDU VRP UHGRYLVDV L WLGLJDUH ODJVWLIWQLQJVlUHQGHQ RFK SUD[LV IUnQ XQGHUUlWWHUQD $QOHGQLQJHQ WLOO GHWWD lU DWW VMlOYD GHILQLWLRQHQ DY YLVVD LQYHVWHULQJVWMlQVWHU HQOLJW EO D GHW VRP DQJHV L SURPHPRULDQ

6WlUNW NRQVXPHQWVN\GG YLG I|UVlNULQJVI|UPHGOLQJ LQWH VND DQVHV YDUD

opaginerad Allmänna utgångspunkter och bedömning Kontrollera mot PDF

XSSI\OOGD RP YHUNVDPKHWHQ EHGULYV L I|UKnOODQGH WLOO HWW OLYI|UVlNULQJV DYWDO 0RW GHQ EDNJUXQGHQ I|UDQOHGHU NODUJ|UDQGHW GlUI|U HQ XWI|UOLJ UHGRJ|UHOVH RFK PRWLYHULQJ

'HW ILQQV DQOHGQLQJ DWW LQOHGQLQJVYLV NRQVWDWHUD DWW VnYlO YHUNVDPKHW VRP XWJ|U I|UVlNULQJVGLVWULEXWLRQ VRP WLOOKDQGDKnOODQGH DY LQYHVWHULQJV WMlQVWHU L RFK I|U VLJ XWJ|U WLOOVWnQGVSOLNWLJ YHUNVDPKHW PHQ HQOLJW ROLND UHJHOYHUN 'HW VRP IUDPI|U DOOW WDODU I|U DWW HQ NRUVYLV WLOOlPSQLQJ DY UHJHOYHUNHQ VNXOOH YDUD P|MOLJ PHG LQQHE|UGHQ DWW EnGD GLUHNWLYHQ VNXOOH YDUD WLOOlPSOLJD Sn VDPPD WMlQVWHU lU DWW GHW XWWU\FNOLJHQ IUDPJnU DY GLUHNWLYHQ DWW I|UVlNULQJDU RIWD HUEMXGV VRP DOWHUQDWLY HOOHU VXEVWLWXW WLOO LQYHVWHULQJDU GLUHNW L ILQDQVLHOOD LQVWUXPHQW VNlO WLOO I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RFK VNlO WLOO 0L),' ,, 9LGDUH E|U QlPQDV DWW NXQGVN\GGVUHJOHUQD QlU GHW JlOOHU WMlQVWHU L I|UKnOODQGH WLOO GH VODJ DY I|UVlNULQJDU VRP QX lU L IUnJD GYV I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU L UHODWLYW K|J JUDG DQSDVVDWV WLOO GH VRP JlOOHU YLG LQYHVWHULQJVWMlQVWHU MIU NDSLWHO 9, L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RFK NDSLWHO ,, L DYGHOQLQJ ,, L 0L),' ,, 'HW NDQ L HQOLJKHW GlUPHG SnVWnV DWW GLUHNWLYHQ XSSPlUNVDPPDW JUlQVGUDJQLQJVIUnJDQ RFK DQSDVVDW UHJOHUQD GlUHIWHU 'HWWD VNXOOH YLGDUH NXQQD WDV WLOO LQWlNW I|U DWW WLOOnWD JH GLUHNWLYHQ HQ GHOYLV |YHUODSSDQGH WLOOlPSQLQJ .RQVHNYHQVHQ DY HQ VnGDQ WRONQLQJ VRP LQQHElU HQ NRUVYLV WLOOlPSQLQJ EOLU DWW EnGH I|UVlNULQJVI|UPHGODUH RFK YlUGHSDSSHUVLQVWLWXW PHG WLOOVWnQG XQGHU HWW DY UHJHOYHUNHQ Gn InU WLOOKDQGDKnOOD EO D SHUVRQOLJD UHNRPPHQGDWLRQHU DYVHHQGH ILQDQVLHOOD LQVWUXPHQW LQRP HQ OLYI|UVlNULQJ VH YLGDUH QHGDQ

'H DUJXPHQW VRP KLWWLOOV DQI|UWV L GHQ IUnJDQ IUDPVWnU GRFN LQWH VRP WLOOUlFNOLJW |YHUW\JDQGH I|U DWW OnWD I|UVlNULQJVI|UPHGODUH WLOOKDQGDKnOOD YDG VRP PRWVYDUDU LQYHVWHULQJVWMlQVWHU LQRP HQ OLYI|UVlNULQJ 'HWWD PRW EDNJUXQG DY V\IWHQD PHG UHVSHNWLYH UHJHOYHUN RFK PHG KlQV\Q WLOO KXU WLOOlPSQLQJVRPUnGHQD GlU DYJUlQVDWV GHW I|OMHU L VWlOOHW DY VMlOYD V\VWHPDWLNHQ L GLUHNWLYHQ DWW GH LQWH lU DYVHGGD DWW WLOOlPSDV NRUVYLV

)|U GHW I|UVWD LQQHKnOOHU UHJHOYHUNHQ IRUWIDUDQGH L YLVV PnQ ROLND QLYnHU DY VnYlO GLUHNW VRP LQGLUHNW NXQGVN\GG lYHQ RP VNLOOQDGHUQD PLQVNDW EHW\GOLJW L I|UKnOODQGH WLOO YDG VRP JlOOW HQOLJW GH WLGLJDUH (8 GLUHNWLYHQ 'HWWD WDODU L VLJ I|U DWW DYVLNWHQ LQWH YDULW DWW VDPPD WMlQVWHU VND NXQQD WLOOKDQGDKnOODV XQGHU GH ROLND UHJHOYHUNHQ 6NLOOQDGHU I|UHOLJJHU EO D L I|UKnOODQGH WLOO UHJOHU DY FHQWUDO EHW\GHOVH VnVRP UHJOHULQJHQ QlU GHW JlOOHU PRWWDJDQGH DY WUHGMHSDUWVHUVlWWQLQJDU UnGJLYQLQJ Sn REHURHQGH JUXQG RFK SRUWI|OMI|UYDOWQLQJ 9LGDUH LQQHKnOOHU GH EHVWlPPHOVHU Sn OlJUH QLYn VRP NRPSOHWWHUDU UHJOHULQJHQ L 0L),' ,, P\FNHW GHWDOMHUDGH EHVWlPPHOVHU VRP L VWRU XWVWUlFNQLQJ VDNQDU PRWVYDULJKHW L PRWVYDUDQGH UHJOHULQJ XQGHU I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW $WW I|UVlNULQJDU RIWD HUEMXGV VRP DOWHUQDWLY HOOHU VXEVWLWXW WLOO LQYHVWHULQJDU GLUHNW L ILQDQVLHOOD LQVWUXPHQW PRWLYHUDU LQWH DWW WMlQVWHU VRP PRWVYDUDU YDUDQGUD VND UHJOHUDV GHOYLV ROLND

)|U GHW DQGUD lU GHW LQWH KHOOHU Vn DWW NXQGVN\GGVUHJOHUQD L I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW VNXOOH YDUD XWDQ EHW\GHOVH RP LQWH I|UVlNULQJV I|UPHGODUH InU WLOOKDQGDKnOOD VnGDQ YHUNVDPKHW VRP JUlQVGUDJQLQJV IUnJDQ U|U 'LVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU DNWXDOLVHUDU QlPOLJHQ OnQJW LIUnQ DOOWLG JUlQVGUDJQLQJVIUnJRU PRW UHJHO YHUNHW Sn YlUGHSDSSHUVPDUNQDGVRPUnGHW 7YlUWRP ILQQV GHW HQ UDG

WMlQVWHU RFK SURGXNWHU VRP RDYVHWW WRONQLQJ KHOW NODUW IDOOHU LQRP EH

opaginerad Allmänna utgångspunkter och bedömning Kontrollera mot PDF

JUHSSHW I|UVlNULQJVGLVWULEXWLRQ RFK GlU GH VNlUSWD UHJOHUQD DYVHHQGH I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU NRPPHU XWJ|UD HWW YLNWLJW LQ VODJ I|U HWW |NDW NXQGVN\GG %ODQG GHVVD NDQ QlPQDV W H[ PDUNQDGV I|ULQJ RFK DQQDQ GLVWULEXWLRQ DY YLVVD OLYI|UVlNULQJDU PHG WUDGLWLRQHOO I|UYDOWQLQJ 9LGDUH XWJ|U GHW I|UVlNULQJVGLVWULEXWLRQ DWW JH UnGJLYQLQJ RP IlUGLJSDNHWHUDGH I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU YLOND lU H[SRQHUDGH PRW IOHU lQ HWW ILQDQVLHOOW LQVWUXPHQW VRP NXQGHQ LQWH NDQ YlOMD PHOODQ 6nGDQD SURGXNWHU lU UHODWLYW YDQOLJD Sn GHQ HXURSHLVND OLYI|UVlNULQJVPDUNQDGHQ RFK GHW NDQ DQWDV DWW GHW EO D lU MXVW VnGDQD SURGXNWHU VRP GH VNlUSWD NUDYHQ L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW lU DYVHGGD DWW WUlIID 6RP HQ NRQVHNYHQV DY GH GHOYLV ROLND NUDYHQ L GH EnGD GLUHNWLYHQ NDQ GHW L RFK I|U VLJ ILQQDV HQ ULVN DWW VYHQVND I|UVlNULQJV GLVWULEXW|UHU L |NDG RPIDWWQLQJ NRPPHU DWW E|UMD GLVWULEXHUD VnGDQD IlUGLJSDNHWHUDGH I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU L V\IWH DWW XQGYLND GH VWUlQJDUH NUDYHQ L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ %ODQG DQQDW GH UHJOHU VRP DYVHU SURFHVVHQ I|U SURGXNWJRGNlQQDQGH RFK GLVWULEXWLRQVVWUDWHJL WRUGH GRFN L UHODWLYW VWRU XWVWUlFNQLQJ NXQQD KDQWHUD HYHQWXHOOD SUREOHP L I|UKnOODQGH WLOO GLVWULEXWLRQHQ DY VnGDQD SURGXNWHU DUWLNHO (Q I|UVlNULQJVGLVWULEXW|U VRP XWYHFNODU HQ IlUGLJSDNHWHUDG I|UVlNULQJVEDVHUDG LQYHVWHULQJVSURGXNW KDU KHOW DQGUD P|MOLJKHWHU L GHQ SURFHVVHQ DWW IDVWVWlOOD W H[ HQ OlPSOLJ PnOJUXSS DY VOXWNXQGHU lQ RP I|UVlNULQJVSURGXNWHQ J|U GHW P|MOLJW I|U NXQGHQ DWW IULWW YlOMD YLONHW ILQDQVLHOOW LQVWUXPHQW VRP I|UVlNULQJHQ VND H[SRQHUDV PRW

)|U GHW WUHGMH IUDPVWnU GHW VRP W\GOLJW DWW I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW I|UXWVlWWHU DWW I|UVlNULQJVGLVWULEXWLRQ VND NXQQD WLOOKDQGDKnOODV YLG VLGDQ DY LQYHVWHULQJVWMlQVWHU HIWHUVRP GHW ILQQV UHJOHU RP NRUV I|UVlOMQLQJ VRP WDU VLNWH Sn GHQ VLWXDWLRQ QlU HQ I|UVlNULQJVSURGXNW WLOO KDQGDKnOOV VRP XQGHURUGQDG HQ LQYHVWHULQJVWMlQVW DUWLNHO 9LGDUH VND HQ I|UVlNULQJVGLVWULEXW|U VRP WLOOKDQGDKnOOHU LQYHVWHULQJVUnGJLYQLQJ L VDPEDQG PHG HQ UHNRPPHQGDWLRQ RP HWW SDNHW DY NRPELQHUDGH WMlQVWHU HOOHU SURGXNWHU EHG|PD KXUXYLGD KHOD GHW NRPELQHUDGH SDNHWHW lU OlPS OLJW DUWLNHO 'H UHJOHU VRP DQJHV L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW L GHQQD GHO I|UHIDOOHU LQWH VRP I|UHQOLJD PHG WRONQLQJHQ DWW YLVVD IRUPHU DY LQYHVWHULQJVWMlQVWHU L I|UKnOODQGH WLOO HQ OLYI|UVlNULQJ LQJnU L EHJUHSSHW I|UVlNULQJVGLVWULEXWLRQ 1nJRQ NRUVI|UVlOMQLQJ KDGH GHW MX L Vn IDOO LQWH YDULW IUnJD RP

)|U GHW IMlUGH E|U GHW lYHQ L DOOPlQKHW IUDPKnOODV DWW I|UVlNULQJV DYWDOHQV LQGHOQLQJ L I|UVlNULQJVNODVVHU WLOO YLOND EO D I|UVlNULQJVI|UPHG ODUHV WLOOVWnQG lU NQXWQD GlU PLQGUH NRPSOLFHUDGH OLYI|UVlNULQJV SURGXNWHU WLOOK|U VDPPD NODVV VRP PHU DYDQFHUDGH lYHQ IRUWVlWWQLQJVYLV PRWLYHUDU QnJRW OlJUH LQVWHJVNUDY I|U I|UVlNULQJVI|UPHGODUH lQ GH VRP JlOOHU I|U YlUGHSDSSHUVLQVWLWXW VH YLGDUH RP ROLND VODJ DY I|UVlNULQJDU QHGDQ 'HW PHGI|U EO D L NRUWKHW RP PRWVYDUDQGH I|UVODJ VRP L SURPHPRULDQ 6WlUNW NRQVXPHQWVN\GG YLG I|UVlNULQJVI|UPHGOLQJ LQI|UV DWW VDPWOLJD I|UVlNULQJVGLVWULEXW|UHU PHG WLOOVWnQG DYVHHQGH OLYI|UVlNULQJDU HQOLJW NDS † I|UVlNULQJVI|UPHGOLQJVODJHQ InU JH UHNRPPHQGDWLRQHU DYVHHQGH VnYlO OLYI|UVlNULQJDU PHG IDVWVWlOOW G|GVIDOOVEHORSS VRP GHSnI|UVlNULQJDU RFK DOOD GlUWLOO NRSSODGH ILQDQVLHOOD LQVWUXPHQW 'H QHJDWLYD NRQVHNYHQVHUQD DY GHQ RUGQLQJHQ E|U EHJUlQVDV HIWHUVRP HQ PLQGUH RPIDWWDQGH RFK NRVWVDP WLOOVWnQGSURFHVV

opaginerad Ståndpunkter och konsekvenser Kontrollera mot PDF

VDPW HWW PLQGUH VWUlQJW UHJHOYHUN J|U GHW P|MOLJW I|U RVHUL|VD DNW|UHU DWW EHGULYD YHUNVDPKHW VRP LQWH lU OnQJVLNWLJ

(WW WlQNEDUW DOWHUQDWLY lU JLYHWYLV DWW GHOD LQ I|UVlNULQJVI|UPHGODUHV WLOOVWnQG Sn HWW DQQDW VlWW lQ HIWHU I|UVlNULQJVNODVVHU Gn QlUPDVW HWW VlUVNLOW WLOOVWnQG NRSSODW WLOO I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU YLONHW L Vn IDOO VNXOOH P|MOLJJ|UD HQ PHU XWI|UOLJ GLIIHUHQWLHULQJ DY EO D LQVWHJVNUDYHQ (Q VnGDQ O|VQLQJ VNXOOH HPHOOHUWLG YDUD NRPSOLFHUDG RFK PLQGUH OlPSOLJ HIWHUVRP GHQ VDQQROLNW EO D VNXOOH YlFND Q\D JUlQV GUDJQLQJVIUnJRU RFK lYHQ I|UVYnUD I|UXWVlWWQLQJDUQD I|U JUlQV |YHUVNULGDQGH YHUNVDPKHW

Ståndpunkter och konsekvenser

'HQ EHG|PQLQJ VRP J|UV L GHQQD SURPHPRULD LQQHElU L PRWVDWV WLOO QX JlOODQGH VYHQVN SUD[LV L I|UKnOODQGH WLOO EHJUHSSHW I|UVlNULQJVI|UPHGOLQJ DWW I|UVlNULQJVI|UPHGODUH LQWH E|U In WLOOKDQGDKnOOD LQYHVWHULQJVWMlQVWHU L I|UKnOODQGH WLOO OLYI|UVlNULQJDU LQRP UDPHQ I|U HWW WLOOVWnQG I|U I|UVlN ULQJVGLVWULEXWLRQ 6RP HQ NRQVHNYHQV DY GHW E|U LQWH KHOOHU I|UVlNULQJV I|UHWDJHQV PRWVYDUDQGH YHUNVDPKHW DQVHV RPIDWWDV DY EHJUHSSHW I|UVlN ULQJVGLVWULEXWLRQ YDG VRP L VWlOOHW E|U JlOOD EHKDQGODV L DYVQLWW

)|U DWW I|UVlNULQJVI|UPHGODUH VND In GULYD VnGDQ YHUNVDPKHW E|U GHW VnOHGHV DQWLQJHQ NUlYDV HWW VLGRWLOOVWnQG I|U VnGDQ YHUNVDPKHW HWW WLOOVWnQG I|U YlUGHSDSSHUVU|UHOVH HOOHU DWW QnJRW DY XQGDQWDJHQ L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ lU WLOOlPSOLJW Sn GHQ WMlQVW VRP XWI|UV )|U I|UVlNULQJVI|UHWDJ JlOOHU HWW XQGDQWDJ IUnQ GHQ ODJHQ NDS † I|UVWD VW\FNHW 'HWWD XQGDQWDJ I|OMHU GLUHNW DY 0L),' DUWLNHO D L EnGH 0L),' , RFK 0L),' ,, )|U I|UVlNULQJVI|UPHGODUH JlOOHU L GDJ HWW EH JUlQVDW XQGDQWDJ L VDPPD ODJ I|U VLGRYHUNVDPKHW L I|UKnOODQGH WLOO YLVVD LQYHVWHULQJVWMlQVWHU YLG I|UPHGOLQJ DY IRQGDQGHODU NDS † I|UVWD VW\FNHW , GHQQD SURPHPRULD I|UHVOnV YLVVD lQGULQJDU RFK EHJUlQVQLQJDU QlU GHW JlOOHU GHW XQGDQWDJHW I|U VLGRYHUNVDPKHW VH DYVQLWW 8QGDQWDJHW I|U I|UVlNULQJVI|UPHGODUHV VLGRYHUNVDPKHW L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ DYVHU HPHOOHUWLG HWW L 0L),' I|U PHGOHPVVWDWHUQD IULYLOOLJW XQGDQWDJ I|U YLVV YHUNVDPKHW RFK GHW KlQI|U VLJ DOOWVn LQWH WLOO QnJRW XQGDQWDJ L GLUHNWLYHQ I|U I|UVlNULQJVI|UPHGOLQJ HOOHU I|UVlNULQJVGLVWULEXWLRQ DUWLNHO L EnGH 0L),' , RFK 0L),' ,, VH SURS V I RFK SURS V I 1nJRW JHQHUHOOW XQGDQWDJ IUnQ WLOOlPSQLQJVRPUnGHW I|U I|UVlNULQJVI|UPHGODUH ILQQV VnOHGHV LQWH L 0L),' ,, RFK LQWH GlUI|U KHOOHU L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ VH QHGDQ QlUPDUH RP XQGDQWDJ )|U DWW HQ I|UVlNULQJVI|UPHGODUH VND In XWI|UD W H[ LQYHVWHULQJVUnGJLYQLQJ LQRP UDPHQ I|U HQ OLYI|UVlNULQJ NUlYV GlUI|U HQOLJW I|UVODJHW L GHQQD SURPHPRULD WLOOVWnQG HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ

1lU GHW JHQHUHOOD XQGDQWDJHW I|U I|UVlNULQJVI|UHWDJ RFK GHW EHJUlQVDGH XQGDQWDJHW I|U I|UVlNULQJVPlNODUHV VLGRYHUNVDPKHW LQI|UGHV L GHQ QXPHUD XSSKlYGD ODJHQ RP YlUGHSDSSHUVU|UHOVH NDS RFK E †† DQI|UGHV EO D DWW DYVLNWHQ HQGDVW YDU DWW P|MOLJJ|UD I|UPHGOLQJ DY IRQGDQGHODU YLOND L I|UKnOODQGH WLOO DQGUD ILQDQVLHOOD LQVWUXPHQW W\SLVNW VHWW DQVnJV VRP PLQGUH ULVNI\OOGD VH SURS V ± 'HW NDQ GRFN NRQVWDWHUDV DWW XQGDQWDJHW I|U I|UVlNULQJVI|UHWDJ

XWIRUPDGHV VRP HWW JHQHUHOOW XQGDQWDJ L ODJHQ 1lU GHW JlOOHU XQGDQWDJHW

opaginerad \UNHVNXQVNDS DYVHU Kontrollera mot PDF

I|U I|UVlNULQJVI|UPHGODUHV VLGRYHUNVDPKHW DYVnJV HQOLJW I|UDUEHWHQD HQGDVW I|UPHGOLQJ DY IRQGDQGHODU YLG VLGDQ DY HQ I|UVlNULQJ RFK DWW I|UPHGOLQJ DY VnGDQD DQGHODU LQRP HQ I|UVlNULQJ U\PGHV LQRP WLOOVWnQGHW I|U GHQ RUGLQDULH I|UVlNULQJVI|UPHGOLQJHQ 'HW NDQ DUJXPHQWHUDV I|U DWW GHQQD WLGLJDUH WRONQLQJ LQWH OHGHU WLOO QnJUD RULPOLJD NRQVHNYHQVHU I|U NXQGVN\GGHW QlU GHW NRPPHU WLOO IRQGDQGHODU 'HVVYlUUH OHGHU GHQ WRONQLQJHQ GRFN WLOO DWW UnGJLYQLQJ NULQJ DQGUD W\SHU DY ILQDQVLHOOD LQVWUXPHQW L HQ OLYI|UVlNULQJ lYHQ OHJLWLPHUDV HIWHUVRP GHW LQWH JnU DWW VlUVNLOMD YLVVD ILQDQVLHOOD LQVWUXPHQW IUnQ DQGUD QlU PDQ YlO LQWDJLW HQ VnGDQ VWnQGSXQNW RP RPIDWWQLQJHQ DY I|UVlNULQJVI|UPHGOLQJVEHJUHSSHW 'HW InU GlUI|U DQVHV YDUD HQ PLQGUH OlPSOLJ WRONQLQJ VRP ULVNHUDU DWW OHGD WLOO P\FNHW DOOYDUOLJD I|OMGHU I|U NXQGHUQD 'HW EHVWnU EO D L DWW I|UVlNULQJVI|UPHGODUH InU JH UHNRPPHQGDWLRQHU WLOO NXQGHU LQRP HWW RPUnGH VRP L PnQJD IDOO OLJJHU XWDQI|U GHQ YHUNVDPKHW VRP GHUDV

\UNHVNXQVNDS DYVHU

'HW NDQ GHVVXWRP L HQOLJKHW PHG YDG EO D Finansinspektionen IUDP I|U NRQVWDWHUDV DWW HQ VnGDQ WRONQLQJ DY WLOOVWnQGHW I|U I|UVlNULQJV I|UPHGOLQJ EOLYLW RWLGVHQOLJ VRP HQ NRQVHNYHQV DY SURGXNWXWYHFNOLQJHQ Sn I|UVlNULQJVRPUnGHW 8WYHFNOLQJHQ KDU JnWW IUnQ YDG VRP WUDGLWLRQHOOW VHWW KDU I|UVWnWWV PHG I|UVlNULQJVI|UPHGOLQJ WLOO DWW L K|J JUDG LQULNWDV

PRW UnGJLYQLQJ RFK I|UPHGOLQJ DY ILQDQVLHOOD LQVWUXPHQW /LNVRP EO D Max Matthiessen AB DQI|U NDQ GHW YLGDUH NRQVWDWHUDV DWW GHW SULPlUD L HQ

UnGJLYQLQJVVLWXDWLRQ VRP U|U LQYHVWHULQJDU L ILQDQVLHOOD LQVWUXPHQW LQRP HQ OLYI|UVlNULQJ RIWD lU UnGJLYQLQJHQ NULQJ GH ILQDQVLHOOD LQVWUXPHQWHQ ,QVODJHW DY I|UVlNULQJ lU PHG DQGUD RUG XQGHURUGQDW UnGJLYQLQJHQ NULQJ GH ILQDQVLHOOD LQVWUXPHQWHQ 'HW lU GlUI|U YLNWLJW DWW VH JUlQVGUDJQLQJV IUnJDQ lYHQ PRW GHQ EDNJUXQGHQ

$WW VMlOYD I|UVlNULQJHQ |YHU KXYXG WDJHW DNWXDOLVHUDV RFK EHU|UV L VDPEDQG PHG UnGJLYQLQJHQ NULQJ GH ILQDQVLHOOD LQVWUXPHQWHQ WRUGH IUlPVW KD WYn V\IWHQ %HURHQGH Sn LQYHVWHULQJDUQDV I|UYlQWDGH DYNDVWQLQJ NDQ HWW I|UVlNULQJVVNDO LEODQG JH XSSKRY WLOO HQ I|UGHODNWLJ VNDWWHVLWXD WLRQ MlPI|UW PHG lJDQGH L W H[ HQ YlUGHSDSSHUVGHSn JHQRP H[HPSHOYLV VFKDEORQEHVNDWWQLQJ 'HQ DVSHNWHQ KDU HPHOOHUWLG PLQVNDW I|U nWPLQVWRQH YLVVD NXQGNDWHJRULHU JHQRP DWW PRWVYDUDQGH EHVNDWWQLQJVPRGHOO QXPHUD lYHQ lU P|MOLJ JHQRP lJDQGH L HWW LQYHVWHULQJVVSDUNRQWR 'lUWLOO KDU I|U VlNULQJVVNDOHW JHQRP GHQ WRONQLQJHQ VRP EO D J|UV L SURPHPRULDQ 6WlUNW NRQVXPHQWVN\GG YLG I|UVlNULQJVI|UPHGOLQJ JMRUW GHW P|MOLJW I|U I|UVlNULQJVI|UPHGODUH DWW lJQD VLJ nW HQ YHUNVDPKHW VRP GH XWDQ I|UVlNULQJVLQVODJHW LQWH VNXOOH KD P|MOLJKHW DWW lJQD VLJ nW 6nGDQD XSSHQEDUD NULQJJnHQGHQ I|U DWW In lJQD VLJ nW YlUGHSDSSHUVU|UHOVH NDQ LQWH KD YDULW I|UXWVHGGD HQV PHG GH Q\DUH UHJHOYHUNHQ GYV I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RFK 0L),' ,, 'HWWD I|UHIDOOHU LQWH KHOOHU OlPSOLJW XU HWW NXQGVN\GGVSHUVSHNWLY

)UnQ I|UVlNULQJVI|UPHGODUHQV SHUVSHNWLY lU GHW YLGDUH L DOOPlQKHW UnG JLYQLQJHQ RP ILQDQVLHOOD LQVWUXPHQW RFK LQWH I|UVlNULQJVDYWDOHW VRP lU GHW PHVW LQNRPVWEULQJDQGH 'HWWD HIWHUVRP HUVlWWQLQJHQ WLOO I|UVlNULQJV I|UPHGODUHQ YDQOLJWYLV HUKnOOV L IRUP DY SURYLVLRQ VRP WLOO VW|UVW GHO KlUU|U IUnQ GHQ VRP SURGXFHUDW GHW ILQDQVLHOOD LQVWUXPHQWHW GYV W H[ GHQ VRP XWYHFNODW HQ VWUXNWXUHUDG SURGXNW 'HW QlPQGD I|UKnOODQGHW NDQ LQWH DQVHV lQGUDV DY EHWDOQLQJVPRGHOOHU VRP EHVWnU L DWW HUVlWWQLQJHQ EHWDODV

DY SURGXFHQWHQ WLOO I|UVlNULQJVI|UHWDJHW RFK I|UVW GlUHIWHU WLOO I|UVlNULQJV

opaginerad ROLND W\SHU DY OLYI|UVlNULQJDU Kontrollera mot PDF

I|UPHGODUHQ 6DPPDQIDWWQLQJVYLV NDQ GHW NRQVWDWHUDV DWW RIWD HQGDVW HQ PLQGUH GHO DY HUVlWWQLQJHQ HJHQWOLJHQ DYVHU I|UPHGOLQJHQ DY VMlOYD I|UVlNULQJVDYWDOHW

9LGDUH KDU GH ILQDQVLHOOD LQVWUXPHQW VRP HUEMXGV Sn PDUNQDGHQ RFNVn XWYHFNODWV bYHQ GHWWD PRWLYHUDU VWlOOQLQJVWDJDQGHW DWW I|UVlNULQJVI|U PHGODUH LQWH E|U In WLOOKDQGDKnOOD LQYHVWHULQJVWMlQVWHU L I|UKnOODQGH WLOO OLYI|UVlNULQJDU LQRP UDPHQ I|U HWW WLOOVWnQG I|U I|UVlNULQJVGLVWULEXWLRQ 'HW ILQQV L GDJ EHW\GOLJW IOHU ILQDQVLHOOD LQVWUXPHQW DWW YlOMD PHOODQ RFK PnQJD DY GHVVD lU EnGH NRPSOH[D RFK ULVNI\OOGD 0RW EDNJUXQG DY GH |YHUYlJDQGHQ VRP JMRUGHV QlU XQGDQWDJHQ LQI|UGHV RFK WRONDGHV L GHQ QX JlOODQGH ODJVWLIWLQJHQ NDQ HQ VnGDQ XWYHFNOLQJ DY YDG VRP U\PV LQRP HWW WLOOVWnQG I|U I|UVlNULQJVI|UPHGOLQJ LQWH KD YDULW DYVHGG bYHQ DY GHQ DQOHGQLQJHQ ILQQV GHW DQOHGQLQJ DWW lQGUD Sn GHQ QXYDUDQGH RUGQLQJHQ QlU GHW Q\D EHJUHSSHW I|UVlNULQJVGLVWULEXWLRQ LQI|UV L VYHQVN UlWW (Q DQQDQ WRONQLQJ WRUGH lYHQ VWn L VWULG PHG I|UVlNULQJVGLVWULEXWLRQVGLUHN WLYHW RFK 0L),' ,, )|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW lU LQWH IXOOW XW XW IRUPDW I|U VnGDQ W\S DY YHUNVDPKHW VRP XWJ|U LQYHVWHULQJVWMlQVWHU ,QWUlGHVNUDYHQ lU VRP QlPQV RYDQ OlJUH NXQGVN\GGVUHJOHUQD L YLVV PnQ PLQGUH RPIDWWDQGH RFK GH RUJDQLVDWRULVND NUDYHQ LQWH GHVDPPD VRP L 0L),' ,,

'HW NDQ VDPPDQIDWWQLQJVYLV I|UXWVHV DWW NRQVHNYHQVHUQD DY VWnQG SXQNWHQ L DOOPlQKHW LQQHElU DWW GHQ EHJUlQVDU I|UVlNULQJVI|UPHGODUHV P|MOLJKHWHU DWW OlPQD VnGDQD UnG VRP GHW QX lU IUnJD RP LQRP UDPHQ I|U

VLQ RUGLQDULH I|UPHGOLQJVYHUNVDPKHW 'HW ILQQV GRFN L VDPPDQKDQJHW DQOHGQLQJ DWW L HQOLJKHW PHG YDG Svenska försäkringsförmedlares förening DQI|U IUDPKnOOD P|MOLJKHWHQ I|U I|UPHGODUH VRP EHGULYHU GHQ W\SHQ DY YHUNVDPKHW DWW J|UD GHW JHQRP DWW W H[ YDUD HWW DQNQXWHW RPEXG WLOO HWW YlUGHSDSSHUVLQVWLWXW 0HG HQ VnGDQ O|VQLQJ EOLU RFNVn IOHU OHG I|UVlNULQJVI|UHWDJ YlUGHSDSSHUVLQVWLWXW RFK I|UPHGODUH LQYROYHUDGH RFK GHW NDQ Sn Vn VlWW VlNHUVWlOODV DWW HQ lQGDPnOVHQOLJ YHUNVDPKHW L I|UKnOODQGH WLOO NXQGHU EHGULYV

)|UKnOODQGHW PHOODQ 0L),' ,, I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RFK

ROLND W\SHU DY OLYI|UVlNULQJDU

8QLRQVUlWWVOLJW UHJOHUDV GLVWULEXWLRQHQ DY I|UVlNULQJDU JHQRP I|UVlN

ULQJVGLVWULEXWLRQVGLUHNWLYHW nWVNLOW IUnQ I|UVlNULQJVI|UHWDJHQV |YULJD

I|UVlNULQJVYHUNVDPKHW VRP UHJOHUDV L 6ROYHQV ,, GLUHNWLYHW ,QYHVWH

ULQJVWMlQVWHU VnVRP UHNRPPHQGDWLRQHU DYVHHQGH ILQDQVLHOOD LQVWUXPHQW

VRP XSSI\OOHU NULWHULHUQD I|U LQYHVWHULQJVUnGJLYQLQJ UHJOHUDV GlUHPRW L

0L),' ,, %nGH I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RFK 0L),' ,, LQQH

KnOOHU VnYlO GLUHNWD VRP LQGLUHNWD NXQGVN\GGVUHJOHU L ROLND RPIDWWQLQJ

)|UXWRP DWW LQYHVWHULQJVWMlQVWHU LQRP YLVV YHUNVDPKHW H[HPSHOYLV

I|UVlNULQJVI|UHWDJHQV I|UVlNULQJVYHUNVDPKHW XWWU\FNOLJHQ lU XQGDQWDJQD

IUnQ WLOOlPSQLQJVRPUnGHW I|U 0L),' ,, IUDPVWnU I|UHPnOHW I|U WMlQVWHQ

VRP DYJ|UDQGH I|U YLONHW UHJHOYHUN VRP VND WLOOlPSDV RFK GlUPHG

YLONHQ QLYn DY VN\GG VRP VND JlOOD L I|UKnOODQGH WLOO NXQGHQ 'H DNWXHOOD

GLUHNWLYHQ VDNQDU GRFN QlUPDUH YlJOHGQLQJ I|U KXU YHUNVDPKHW VRP

WLOOV\QHV IDOOHU LQRP RUGDO\GHOVHQ I|U EnGD GLUHNWLYHQV WLOOlPSQLQJV

RPUnGHQ VND UHJOHUDV 'HW ILQQV GlUI|U VNlO DWW |YHUVLNWOLJW UHGRJ|UD I|U

opaginerad 'H EUXNDU EHQlPQDV WUDGLWLRQHOOW I|UYDOWDG OLYI|UVlNULQJ GHSnI|UVlNULQJ Kontrollera mot PDF

GH ROLND I|UVlNULQJDU VRP NDQ EHU|UDV DY GHQ QX DNWXHOOD JUlQVGUDJQLQJV IUnJDQ

'HW NDQ LQOHGQLQJVYLV NRQVWDWHUDV DWW GHW LQWH I|UHNRPPHU QnJRQ OHJDOGHILQLWLRQ DY I|UVlNULQJVDYWDO YDUH VLJ LQRP XQLRQVUlWWHQ HOOHU L VYHQVN UlWW gYHUKXYXGWDJHW IUDPVWnU GHQ UHJOHULQJ RFK GH PnQJD EH JUHSS VRP RPJlUGDU I|UVlNULQJVPDUNQDGHQ VRP EnGH NRPSOH[ RFK GHO YLV |YHUODSSDQGH ([HPSHOYLV VNLOMHU VLJ GHQ VYHQVND FLYLOUlWWVOLJD LQGHO QLQJHQ DY I|UVlNULQJVDYWDO L SHUVRQI|UVlNULQJDU RFK VNDGHI|UVlNULQJDU HQOLJW I|UVlNULQJVDYWDOVODJHQ IUnQ GHQ LQRP XQLRQHQ KDUPRQLVHUDGH I|UVlNULQJVU|UHOVHUlWWVOLJD L ROLND I|UVlNULQJVNODVVHU VH ELODJD , RFK ,, WLOO 6ROYHQV ,, GLUHNWLYHW 'HILQLWLRQHQ DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJV SURGXNWHU HQOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RFK (XURSDSDUOD PHQWHWV RFK UnGHWV I|URUGQLQJ (8 QU DY GHQ QRYHPEHU RP IDNWDEODG I|U SDNHWHUDGH RFK I|UVlNULQJVEDVHUDGH LQYHVWHULQJV SURGXNWHU I|U LFNH SURIHVVLRQHOOD LQYHVWHUDUH 3ULLS SURGXNWHU 3ULLS I|URUGQLQJHQ KDU KHOOHU LQJHQ VMlOYNODU NRSSOLQJ WLOO GHVVD WYn ROLND LQGHOQLQJDU 'lUWLOO NRPPHU GHQ ULNOLJD IORUD DY PHU RFK PLQGUH YHGHU WDJQD SURGXNWQDPQ VRP DQYlQGV DY PDUNQDGVDNW|UHUQD I|U EHQlPQLQJ DY I|UVlNULQJDU PHG ROLND HJHQVNDSHU

, U|UHOVHUlWWVOLJD VDPPDQKDQJ GHODV GRFN VRP QlPQV RYDQ YHUNVDPKHW LQ L I|UKnOODQGH WLOO ROLND I|UVlNULQJVNODVVHU 6nYlO HQ PLQGUH NRPSOL FHUDG OLYI|UVlNULQJ GlU VWRUOHNHQ Sn HUVlWWQLQJ YLG EO D I|UVlNULQJVIDOO lU EHVWlPG Sn I|UKDQG VRP VnGDQD PHU NRPSOH[D I|UVlNULQJDU GlU YlUGHW lU H[SRQHUDW PRW PDUNQDGVYRODWLOLWHW WLOOK|U GRFN L KXYXGVDN VDPPD I|UVlNULQJVNODVV EnGH I|UVlNULQJDU PHG IDVWVWlOOW G|GVIDOOVEHORSS RFK GHW VRP EUXNDU NDOODV WUDGLWLRQHOOW I|UYDOWDGH I|UVlNULQJDU VDPW GHSnI|UVlN ULQJDU DQVHV YDUD V N WUDGLWLRQHOOD I|UVlNULQJDU L HQOLJKHW PHG 6ROYHQV ,, GLUHNWLYHW ELODJD ,, NODVV , 6n KDU lYHQ LQGHOQLQJHQ JHQRPI|UWV L VYHQVN UlWW VH NDS † I|UVlNULQJVI|UPHGOLQJVODJHQ RFK NDS † I|UVlNULQJVU|UHOVHODJHQ , VYHQVN ODJVWLIWQLQJ I|UHNRPPHU YLGDUH EHJUHSSHW NDSLWDOI|UVlNULQJ HQGDVW L VNDWWHUlWWVOLJD VDPPDQKDQJ RFK GHILQLHUDV GlU VRP HQ OLYI|UVlNULQJ VRP LQWH XSSI\OOHU YLOONRUHQ I|U DWW EHVNDWWDV VRP HQ SHQVLRQVI|UVlNULQJ NDS † LQNRPVWVNDWWHODJHQ > @ 9LGDUH I|UHVOnV L GHQ Q\D ODJHQ HQ DQQDQ LQQHE|UG DY YLOND I|UVlNULQJDU VRP VND DQVHV VRP SHQVLRQVI|UVlNULQJDU XU HWW GLVWULEXWLRQV UlWWVOLJW SHUVSHNWLY VH NDS † 3n I|UVlNULQJVPDUNQDGHQ DQYlQGV GlUHPRW EHQlPQLQJHQ NDSLWDOI|UVlNULQJ L HQ LEODQG EHW\GOLJW EUHGDUH NRQWH[W lQ L VNDWWHODJVWLIWQLQJHQ 7LOO GHWWD NRPPHU DWW GHW I|U HQ NXQG VRP LQWH KDU QnJUD GMXSDUH NXQVNDSHU LQRP I|UVlNULQJVRPUnGHW VDQQROLNW lYHQ VMlOYD EHQlPQLQJHQ NDSLWDOI|UVlNULQJ NDQ YDUD PLVVOHGDQGH 1nJRQ I|UVlNULQJ HOOHU DQQDQ JDUDQWL PRW ULVNHQ DWW Jn PLVWH RP GHW LQYHVWHUDGH NDSLWDOHW EHK|YHU GHW QlPOLJHQ LQWH YDUD IUnJD RP 9LGDUH NDQ YlUGHW Sn EnGH HQ NDSLWDOI|UVlNULQJ RFK HQ SHQVLRQV I|UVlNULQJ YDUD H[SRQHUDW PRW PDUNQDGVYRODWLOLWHW )UnQ I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHWV GHILQLWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJV SURGXNWHU XQGDQWDV HPHOOHUWLG EO D SHQVLRQVI|UVlNULQJDU HIWHUVRP SHQVLRQVnWDJDQGHQ VHGDQ OlQJH L K|J JUDG DQVHWW KlQI|UOLJW WLOO PHGOHPVVWDWHUQDV LQWHUQD DQJHOlJHQKHWHU DUWLNHO F±H

3n I|UVlNULQJVPDUNQDGHQ I|UHNRPPHU L YDUW IDOO L KXYXGVDN WUH NDWH JRULHU DY OLYI|UVlNULQJDU VRP NXQGHU NDQ DQYlQGD I|U VSDUDQGHlQGDPnO

'H EUXNDU EHQlPQDV WUDGLWLRQHOOW I|UYDOWDG OLYI|UVlNULQJ GHSnI|UVlNULQJ

opaginerad RFK IRQGI|UVlNULQJ YDUDY IRQGI|UVlNULQJ WLOOK|U HQ HJHQ I|UVlNULQJV NODVV GYV 6ROYHQV ,, GLUHNWLYHW ELODJD ,, NODVV ,,, Kontrollera mot PDF

RFK IRQGI|UVlNULQJ YDUDY IRQGI|UVlNULQJ WLOOK|U HQ HJHQ I|UVlNULQJV NODVV GYV 6ROYHQV ,, GLUHNWLYHW ELODJD ,, NODVV ,,,

.lQQHWHFNQDQGH I|U HQ WUDGLWLRQHOOW I|UYDOWDG I|UVlNULQJ lU DWW I|UVlN ULQJVJLYDUHQ JDUDQWHUDU I|UVlNULQJVWDJDUHQ HQ YLVV OlJVWD DYNDVWQLQJ Sn LQEHWDOGD SUHPLHU RFK NDSLWDO IUnQ HQ YLVV nOGHU HOOHU WLGSXQNW RFK XQGHU HQ YLVV nOGHU HOOHU OLYVYDULJW (JHQVNDSHUQD KRV HQ VnGDQ I|UVlNULQJ NDQ DOOWVn OLNQDV YLG GH KRV HQ REOLJDWLRQ , HQ WUDGLWLRQHOOW I|UYDOWDG I|UVlN ULQJ KDU I|UVlNULQJVWDJDUHQ P\FNHW VPn HOOHU LQJHQ P|MOLJKHW DWW SnYHUND SODFHULQJVLQULNWQLQJHQ I|U SUHPLHUQD HOOHU I|UVlNULQJVNDSLWDOHW 'HW lU PHG DQGUD RUG LQWH KHOOHU P|MOLJW I|U I|UVlNULQJVWDJDUHQ DWW H[SRQHUD I|UVlNULQJHQ PRW HQVNLOGD ILQDQVLHOOD LQVWUXPHQW 'HW lU YLGDUH I|UVlN ULQJVJLYDUHQ VRP ElU SODFHULQJVULVNHQ I|U GHQ GHO DY I|UVlNULQJVNDSLWDOHW VRP JDUDQWHUDWV GYV ULVNHQ I|U DWW GH XQGHUOLJJDQGH WLOOJnQJDUQD PLQVNDU L YlUGH 8WYHFNOLQJHQ DY WUDGLWLRQHOOW I|UYDOWDGH I|UVlNULQJV SURGXNWHU KDU L RFK I|U VLJ JnWW PRW OlJUH VWlOOGD JDUDQWLHU L GHW DYVHHQGHW 6DPPDQIDWWQLQJVYLV LQQHElU GHW DWW JUlQVGUDJQLQJVSUREOHPDWLNHQ LQWH DNWXDOLVHUDV L I|UKnOODQGH WLOO WMlQVWHU VRP OlPQDV L DQVOXWQLQJ WLOO OLYI|UVlNULQJDU PHG WUDGLWLRQHOO I|UYDOWQLQJ 6DPWOLJD WMlQVWHU L I|UKnOODQGH WLOO VnGDQD SURGXNWHU IDOOHU Gn LQRP UDPHQ I|U EHJUHSSHW I|UVlNULQJVGLVWULEXWLRQ , GHQ PnQ GHW WLOONRPPHU HQ nWHUElULQJ IUnQ HQ WUDGLWLRQHOOW I|UYDOWDG I|UVlNULQJ VRP LQWH lU HQ SHQVLRQVI|UVlNULQJ VRP lU H[SRQHUDG PRW PDUNQDGVYRODWLOLWHW GYV YDULHUDU EHURHQGH Sn XWIDOOHW DY I|UVlNULQJVI|UHWDJHWV NDSLWDOI|UYDOWQLQJ WRUGH GHQ XWJ|UD HQ I|UVlNULQJVEDVHUDG LQYHVWHULQJVSURGXNW

9LG GH SURGXNWHU VRP Sn I|UVlNULQJVPDUNQDGHQ EHQlPQV GHSnI|UVlN ULQJ lU GHW GlUHPRW I|UVlNULQJVWDJDUHQ VRP VMlOY ElU SODFHULQJVULVNHQ 8WEHWDOQLQJDUQDV VWRUOHN EHVWlPV L KXYXGVDN DY I|UVlNULQJHQV YlUGH YLONHW PRWVYDUDV DY YlUGHXWYHFNOLQJHQ KRV GH ILQDQVLHOOD LQVWUXPHQW VRP I|UVlNULQJVWDJDUHQ YDOW XW .lQQHWHFNQDQGH I|U HQ GHSnI|UVlNULQJ lU DWW I|UVlNULQJVSUHPLHU RFK NDSLWDO InU SODFHUDV L OLNYLGD PHGHO RFK ILQDQ VLHOOD LQVWUXPHQW WLOO VNLOOQDG IUnQ IRQGI|UVlNULQJDU VRP HQGDVW InU H[SR QHUDV PRW IRQGDQGHODU PHQ VRP L DOOW YlVHQWOLJW DQQDUV OLNQDU GHSn I|UVlNULQJ PHQ DOOWVn WLOOK|U HQ DQQDQ I|UVlNULQJVNODVV 'HW lU VRP QlPQV RYDQ I|UVlNULQJVWDJDUHQ VMlOY VRP EHVWlPPHU YLOND ILQDQVLHOOD LQVWUXPHQW VRP GH LQEHWDOGD SUHPLHUQD HOOHU NDSLWDOHW VND H[SRQHUDV PRW 9LOND ILQDQVLHOOD LQVWUXPHQW VRP NXQGHQ NDQ YlOMD PHOODQ EHVWlPV DY I|UVlNULQJVI|UHWDJHW 'H ILQDQVLHOOD LQVWUXPHQWHQ I|UYDUDV L VLQ WXU L HQ YlUGHSDSSHUVGHSn VRP IRUPHOOW lJV DY I|UVlNULQJVJLYDUHQ PHQ VRP I|UVlNULQJVWDJDUHQ L UHJHO HUKnOOHU HQ IXOOPDNW WLOO I|U DWW P|MOLJJ|UD lQGULQJDU L LQQHKDYHW 'HW lU VnOHGHV P|MOLJW DWW DQYlQGD HQ GHSn I|UVlNULQJVSURGXNW I|U DWW HIWHUOLNQD HWW lJDQGH L HQ YlUGHSDSSHUVGHSn GYV VRP HWW ´VNDO´ I|U HWW HOOHU IOHUD ILQDQVLHOOD LQVWUXPHQW W H[ HWW LQYHVWHULQJVFHUWLILNDW 9LG VnGDQD I|UKnOODQGHQ E|U GHW IDNWLVND I|UH PnOHW I|U GH UnG RFK UHNRPPHQGDWLRQHU VRP OlPQDV YDUD YlJOHGDQGH I|U YDOHW DY WLOOlPSOLJW UHJHOYHUN LQWH DWW YHUNVDPKHWHQ L RFK I|U VLJ OlPQDV PRW EDNJUXQG DY HQ OLYI|UVlNULQJVO|VQLQJ , GHQ PnQ UnGHQ XWJ|U SHUVRQOLJD UHNRPPHQGDWLRQHU VRP DYVHU WUDQVDNWLRQHU L ILQDQVLHOOD LQVWUXPHQW E|U GHW HQGD WLOOlPSOLJD UHJHOYHUNHW YDUD ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ 0DUNQDGVI|ULQJ RFK DQQDQ GLVWULEXWLRQ VRP LQWH PRWVYDUDU LQYHVWHULQJVWMlQVWHU XWJ|U GlUHPRW I|UVlNULQJVGLVWULEXWLRQ

opaginerad 1lUPDUH RP EHG|PQLQJ DY GHILQLWLRQHU L I|UKnOODQGH WLOO WLOOlPSQLQJVRPUnGHW I|U UHVSHNWLYH UHJHOYHUN Kontrollera mot PDF

'HW lU L VDPPDQKDQJHW YLNWLJW DWW SnSHND DWW GHW lU SHUVRQOLJD UHNRP PHQGDWLRQHU RP ILQDQVLHOOD LQVWUXPHQW VRP LGDJ XWJ|U GHQ WRQJLYDQGH GHOHQ DY UnGJLYQLQJHQ L VDPEDQG PHG GLVWULEXWLRQ DY GHSn RFK IRQGI|UVlNULQJDU 'HW EHURU Sn DWW NXQGHQV HJHQWOLJD LQYHVWHULQJ JUXQGDU VLJ L YDOHW DY ILQDQVLHOOW LQVWUXPHQW 5nGJLYQLQJHQ JlOODQGH YDOHW DY I|UVlNULQJVDYWDO PRW YLONHQ GHW ILQDQVLHOOD LQVWUXPHQWHWV YlUGH NRSSODV RP VnGDQ |YHU KXYXG WDJHW JHV InU L GH IOHVWD IDOO DQVHV YDUD DY XQGHURUGQDG EHW\GHOVH L GHWWD DYVHHQGH 'HWVDPPD JlOOHU L I|UKnOODQGH WLOO SRUWI|OMI|UYDOWQLQJ DY ILQDQVLHOOD LQVWUXPHQW LQRP PRWVYDUDQGH I|UVlNULQJVSURGXNWHU 0HG DQGUD RUG Vn E|U GHQ VRP XWI|U LQYHVWHULQJVWMlQVWHU VnVRP LQYHVWHULQJVUnGJLYQLQJ RFK SRUWI|OMI|UYDOWQLQJ L I|UKnOODQGH WLOO GHSnI|UVlNULQJDU RFK IRQGI|UVlNULQJDU KD WLOOVWnQG I|U VnGDQD LQYHVWHULQJVWMlQVWHU HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ VnYLGD LQWH YHUNVDPKHWHQ RPIDWWDV DY HWW XWWU\FNOLJW XQGDQWDJ L GHQ ODJHQ , GHQ PnQ YHUNVDPKHW VRP XWJ|U I|UVlNULQJVGLVWULEXWLRQ WLOOKDQGDKnOOV L VDPEDQG PHG LQYHVWHULQJVWMlQVWHU E|U GRFN YLVVD UHJOHU L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ YDUD WLOOlPSOLJD VH DYVQLWWHQ RFK DQJnHQGH NRUVI|UVlOMQLQJ

1lUPDUH RP EHG|PQLQJ DY GHILQLWLRQHU L I|UKnOODQGH WLOO WLOOlPSQLQJVRPUnGHW I|U UHVSHNWLYH UHJHOYHUN

'HW NDQ NRQVWDWHUDV DWW VWUXNWXUHQ Sn KXU WLOOlPSQLQJVRPUnGHW IRUPXOHUDV L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW VNLOMHU VLJ IUnQ GHQ L 0L),' ,, DUWLN HO L GH EnGD GLUHNWLYHQ $WW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHWV WLOOlPS QLQJVRPUnGH lU DOOPlQW IRUPXOHUDW PHGDQ 0L),' ,, lU EHW\GOLJW PHU VSHFLILFHUDW E|U JHV EHW\GHOVH L GHQ QX DNWXHOOD JUlQVGUDJQLQJVIUnJDQ 'HW VDNQDV VNlO DWW JH EHJUHSSHW I|UVlNULQJVGLVWULEXWLRQ HQ VnGDQ YLG LQQHE|UG DWW GHW RPIDWWDU DOOD WlQNEDUD WMlQVWHU YLOND LQWH XSSHQEDUW IDOOHU XWDQI|U GHVV RUGDO\GHOVH 'HW I|UKnOOQLQJVVlWWHW lU HQ L 6YHULJH VHGDQ OlQJH HWDEOHUDG PHWRG QlU GHW JlOOHU DWW EHG|PD WLOOlPSQLQJVRPUnGHW I|U I|UVlNULQJVI|UPHGOLQJ MIU DYVQLWW

)|UVlNULQJVGLVWULEXWLRQ GHILQLHUDV L QX DNWXHOOW DYVHHQGH L GLUHNWLYHW DUWLNHO VRP

YHUNVDPKHW VRP EHVWnU L DWW JH UnG RP I|UHVOn HOOHU XWI|UD DQQDW I|UEHUHGDQGH DUEHWH LQI|U LQJnHQGHW DY HWW I|UVlNULQJVDYWDO HOOHU DWW LQJn HWW VnGDQW DYWDO HOOHU DWW ELVWn YLG I|UYDOWQLQJHQ RFK IXOOJ|UDQGH DY VnGDQD DYWDO VlUVNLOW YLG VNDGD > @

'HILQLWLRQHQ J|U VnOHGHV LQWH QnJRQ VNLOOQDG PHOODQ ROLND W\SHU DY I|U VlNULQJDU XWDQ JlOOHU VDPWOLJD I|UVlNULQJVNODVVHU

, GHILQLWLRQHQ DY LQYHVWHULQJVWMlQVWHU RFK LQYHVWHULQJVYHUNVDPKHWHU L 0L),' ,, DUWLNHO KlQYLVDV WLOO DYVQLWW $ L ELODJD , WLOO VDPPD GLUHNWLY GlU QLR LQYHVWHULQJVWMlQVWHU RFK LQYHVWHULQJVYHUNVDPKHWHU VSHFLILFHUDV , 0L),' ,, DUWLNHO GHILQLHUDV LQYHVWHULQJVWMlQVWHQ LQYHVWHULQJVUnGJLYQLQJ Sn I|OMDQGH VlWW

LQYHVWHULQJVUnGJLYQLQJ WLOOKDQGDKnOODQGH DY SHUVRQOLJD UHNRPPHQGDWLRQHU WLOO HQ NXQG Sn GHQQHV EHJlUDQ HOOHU Sn YlUGHSDSSHUVI|UHWDJHWV LQLWLDWLY L IUnJD RP HQ HOOHU IOHUD WUDQVDNWLRQHU VRP DYVHU ILQDQVLHOOD LQVWUXPHQW

, GHQ GHOHJHUDGH I|URUGQLQJHQ WLOO 0L),' ,, DUWLNHO DQJHV I|OMDQGH L IUnJD RP GHILQLWLRQHU I|U WLOOlPSQLQJ DY GLUHNWLYHW

opaginerad L GHQQHV HJHQVNDS DY RPEXG I|U HQ LQYHVWHUDUH HOOHU SUHVXPWLY LQYHVWHUDUH Kontrollera mot PDF

9LG WLOOlPSQLQJ DY ´LQYHVWHULQJVUnGJLYQLQJ´ L DUWLNHO L GLUHNWLY (* DYVHV PHG SHUVRQOLJ UHNRPPHQGDWLRQ HQ UHNRPPHQGDWLRQ WLOO HQ SHUVRQ L GHQQHV HJHQVNDS DY LQYHVWHUDUH HOOHU SUHVXPWLY LQYHVWHUDUH HOOHU

L GHQQHV HJHQVNDS DY RPEXG I|U HQ LQYHVWHUDUH HOOHU SUHVXPWLY LQYHVWHUDUH

5HNRPPHQGDWLRQHQ VNDOO SUHVHQWHUDV VRP OlPSOLJ I|U SHUVRQHQ L IUnJD HOOHU YDUD EDVHUDG Sn HQ EHG|PQLQJ DY GHQ EHU|UGD SHUVRQHQV RPVWlQGLJKHWHU RFK PnVWH XWJ|UD HQ UHNRPPHQGDWLRQ DWW YLGWD HQ DY I|OMDQGH nWJlUGHU

D $WW N|SD VlOMD WHFNQD VLJ I|U E\WD O|VD LQ EHKnOOD HOOHU JDUDQWHUD HWW VSHFLHOOW ILQDQVLHOOW LQVWUXPHQW

E $WW XWQ\WWMD HOOHU LQWH XWQ\WWMD HQ UlWW VRP JHV JHQRP HWW YLVVW ILQDQVLHOOW LQVWUXPHQW DWW N|SD VlOMD WHFNQD VLJ I|U E\WD HOOHU O|VD LQ HWW ILQDQVLHOOW LQVWUXPHQW

(Q UHNRPPHQGDWLRQ lU LQWH HQ SHUVRQOLJ UHNRPPHQGDWLRQ RP GHQ HQEDUW VlQGV XW YLD GLVWULEXWLRQVNDQDOHU HOOHU WLOO DOOPlQKHWHQ

5HGDQ DY GHILQLWLRQHUQDV RUGDO\GHOVH E|U GHW VnOHGHV DQVHV I|OMD DWW SHUVRQOLJD UHNRPPHQGDWLRQHU WLOO HQ NXQG RP DWW LQYHVWHUD L HWW VSHFLILNW ILQDQVLHOOW LQVWUXPHQW lYHQ LQRP UDPHQ I|U HQ OLYI|UVlNULQJ E|U XWJ|UD LQYHVWHULQJVUnGJLYQLQJ 9LVVHUOLJHQ PHGI|U GHQ EUHGD GHILQLWLRQHQ DY I|UVlNULQJVGLVWULEXWLRQ DWW YLVV HNRQRPLVN UnGJLYQLQJ L VDPEDQG PHG WHFNQDQGHW RFK XSSUlWWKnOODQGHW DY HWW I|UVlNULQJVDYWDO NDQ DQVHV LQJn (Q I|UPHGODUH NDQ WLOO H[HPSHO lJQD VLJ nW ROLND W\SHU DY YHUNVDPKHW VRP L VLJ NDQ XWJ|UD I|UVlNULQJVGLVWULEXWLRQ PHQ lYHQ YDUD GHOYLV RUHJOHUDG VnVRP MXULGLVN UnGJLYQLQJ RFK PDUNQDGVI|ULQJ GYV RP GHQ XWI|UV XWDQ DQNQ\WQLQJ WLOO I|UVlNULQJVGLVWULEXWLRQHQ 9LGDUH WRUGH HQ I|UVlNULQJVI|UPHGODUH NXQQD JH YLVVD DOOPlQQD UnG RP OlPSOLJ DOOR NHULQJ PHOODQ WLOOJnQJVVODJ RFK DQQDQ DOOPlQ SODFHULQJVLQULNWQLQJ PRW W H[ ROLND JHRJUDILVND PDUNQDGHU 'HW DOOPlQW IRUPXOHUDGH WLOOlPS QLQJVRPUnGHW PHGI|U GRFN DWW GHW JnU HQ W\GOLJ JUlQV YLG YHUNVDPKHW VRP XWWU\FNOLJHQ RFK PHG HQ K|JUH JUDG DY GHWDOMULNHGRP XWJ|U WLOO VWnQGVSOLNWLJ YHUNVDPKHW HQOLJW HWW DQQDW UHJHOYHUN lQ I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW 'HWWD JlOOHU VlUVNLOW L I|UKnOODQGH WLOO UHJHOYHUN PHG HWW K|JUH NXQGVN\GG 0HG KlQV\Q WLOO DWW 0L),' ,, LQQHKnOOHU HQ PHU VSHFLILN IRUPXOHULQJ DY LQYHVWHULQJVWMlQVWHU ± YLOND RPIDWWDU EO D LQYHVWH ULQJVUnGJLYQLQJ RFK SRUWI|OMI|UYDOWQLQJ ± VDPW HQ RPIDWWDQGH RFK GHWDOM HUDG UHJOHULQJ E|U GHW L IUnJD RP VnGDQD WMlQVWHU DQVHV XWJ|UD HQ VSHFLDO UHJOHULQJ L I|UKnOODQGH WLOO I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW YLONHQ E|U WLOOlPSDV IUDPI|U GHW VLVWQlPQGD GLUHNWLYHWV UHJOHU )|OMDNWOLJHQ E|U ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ YDUD DWW DQVH VRP VSHFLDOODJ L

I|UKnOODQGH WLOO GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ 6DPPDQIDWWQLQJVYLV lU VOXWVDWVHQ OLNVRP Finansinspektionens RFK

Konsumentverkets VOXWVDWVHU DWW I|UVlNULQJVI|UPHGODUHV YHUNVDPKHW VRP

EHVWnU L DWW JH SHUVRQOLJD UHNRPPHQGDWLRQHU DYVHHQGH ILQDQVLHOOD LQVWUX

PHQW RFK GLVNUHWLRQlUW I|UYDOWD WLOOJnQJDUQD L HQ GHSn HOOHU IRQG

I|UVlNULQJ E|U DQVHV XSSI\OOD NULWHULHUQD I|U LQYHVWHULQJVWMlQVWHQ LQYHVWH

ULQJVUnGJLYQLQJ UHVSHNWLYH SRUWI|OMI|UYDOWQLQJ 'HWVDPPD E|U lYHQ JlOOD

L I|UKnOODQGH WLOO PRWVYDUDQGH UnGJLYQLQJ RFK I|UYDOWQLQJ LQRP UDPHQ I|U

3HQVLRQVP\QGLJKHWHQV SUHPLHSHQVLRQ $Y GHW DQI|UGD I|OMHU DWW GHW E|U

NUlYDV WLOOVWnQG HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ I|U DWW XWI|UD

VnGDQ YHUNVDPKHW RP LQWH QnJRW DY XQGDQWDJHQ IUnQ WLOOVWnQGVSOLNW L GHQ

ODJHQ lU WLOOlPSOLJW 9LGDUH E|U HWW YlUGHSDSSHUVLQVWLWXW LQRP UDPHQ I|U

opaginerad SHQVLRQHQ Kontrollera mot PDF

VLWW WLOOVWnQG HQOLJW GHQ ODJHQ In WLOOKDQGDKnOOD VnGDQD WMlQVWHU VRP WLOO

VWnQGHW RPIDWWDU lYHQ LQRP UDPHQ I|U HQ OLYI|UVlNULQJ HOOHU SUHPLH

SHQVLRQHQ

6RP Svenska försäkringsförmedlares förening NRQVWDWHUDU lU HQ IUnJD L

DQVOXWQLQJ WLOO GHQ QX DNWXHOOD JUlQVGUDJQLQJVSUREOHPDWLNHQ GHQ RP

YLOND XQGHUOLJJDQGH WLOOJnQJDU VRP LQWH XWJ|U ILQDQVLHOOD LQVWUXPHQW HQ

I|UVlNULQJVI|UPHGODUH InU JH UnG RP W H[ RQRWHUDGH DNWLHU RFK REOLJD

WLRQHU IDVWLJKHWHU RFK YLVVD UnYDURU 8QGHUOLJJDQGH WLOOJnQJDU LQRP HQ

I|UVlNULQJ VRP LQWH lU ILQDQVLHOOD LQVWUXPHQW WUlIIDV QlPOLJHQ LQWH DY

QnJRW DQQDW UHJHOYHUN lQ I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RFK GlUPHG

lYHQ GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ 0HG DQGUD RUG ILQQV GHW

LQJHQ VSHFLDOODJ VRP VND WLOOlPSDV I|UH GHQ Q\D ODJHQ , GHQ GHOHQ ILQQV

GHW L RFK I|U VLJ LQJHQ DQQDQ EHJUlQVQLQJ DY XQGHUOLJJDQGH LQYHVWHULQJV

DOWHUQDWLY lQ GHQ VRP I|UVlNULQJVI|UHWDJHQ VlWWHU L I|UKnOODQGH WLOO

I|UVlNULQJVSURGXNWHQ , DQVOXWQLQJ WLOO GHWWD ILQQV GHW GRFN nWHULJHQ

DQOHGQLQJ DWW IUDPKnOOD GHW DQVYDU VRP OLJJHU Sn GHQ VRP XWYHFNODU HQ

I|UVlNULQJVSURGXNW RFK GH EHG|PQLQJDU VRP HQ I|UVlNULQJVGLVWULEXW|U

VND J|UD L I|UKnOODQGH WLOO EO D PnOJUXSSHQ 'HVVD VN\OGLJKHWHU J|U VLJ

QDWXUOLJWYLV VlUVNLOW JlOODQGH QlU GHW U|U VLJ RP XQGHUOLJJDQGH WLOOJnQJDU

VRP lU NRPSOLFHUDGH HOOHU DY PLQGUH YDQOLJW VODJ RDYVHWW RP GH XWJ|U

ILQDQVLHOOD LQVWUXPHQW HOOHU LQWH , GHW VDPPDQKDQJHW ILQQV GHW lYHQ

DQOHGQLQJ DWW IUDPKnOOD XWYHFNOLQJHQ DY GHQ UHJHOELOGQLQJ VRP NDQ

I|UYlQWDV NRPPD WLOO VWnQG JHQRP LQQHE|UGHQ DY JRG I|UVlNULQJV

GLVWULEXWLRQVVWDQGDUG

9LGDUH lU GHW OlPSOLJW DWW J|UD GHOYLV L PRWVDWV WLOO YDG Max

Matthiessen AB DQI|U VDPPD EHG|PQLQJ VRP GHQ VRP J|UV L SURPH

PRULDQ 6WlUNW NRQVXPHQWVN\GG YLG I|UVlNULQJVI|UPHGOLQJ QlU GHW JlOOHU

DWW HQ I|UVlNULQJVI|UPHGODUH LQWH E|U In WD HPRW RFK YLGDUHEHIRUGUD RUGHU

WLOO DQGUD lQ I|UVlNULQJVI|UHWDJ HIWHUVRP HWW VnGDQW I|UIDUDQGH VNXOOH

XWJ|UD YlUGHSDSSHUVU|UHOVH HQOLJW LQYHVWHULQJVWMlQVWHQ PRWWDJDQGH RFK

YLGDUHEHIRUGUDQ DY RUGHU L IUnJD RP HWW HOOHU IOHUD ILQDQVLHOOD LQVWUXPHQW

NDS † (WW PRWVYDUDQGH PRWWDJDQGH RFK YLGDUHEHIRUGUDQ DY RUGHU

DYVHHQGH ILQDQVLHOOD LQVWUXPHQW L HQ OLYI|UVlNULQJ E|U VnOHGHV LQWH DQVHV

YDUD YlUGHSDSSHUVU|UHOVH XQGHU I|UXWVlWWQLQJ DWW YHUNVDPKHWHQ HQGDVW

RPIDWWDU YLGDUHEHIRUGUDQ DY NXQGHUV RUGHU WLOO HWW I|UVlNULQJVI|UHWDJ

'HWWD LQQHElU GRFN L RFK I|U VLJ LQWH DWW EHG|PQLQJHQ QlU GHW JlOOHU YLONHW

U|UHOVHWLOOVWnQG VRP NUlYV E|U J|UDV XWLIUnQ YLOND SDUWHU VRP LQJnU L YHUN

VDPKHWHQ XWDQ L VWlOOHW PHG JUXQG L DWW HQ VnGDQ W\S DY RUGHU I|OMHU

DYWDOVLQQHKnOOHW L HQ OLYI|UVlNULQJ RFK VRP PRWWDJDUHQ I|UVlNULQJV

I|UHWDJHW HQGDVW VND IXOOI|OMD L I|UKnOODQGH WLOO HWW YlUGHSDSSHUVLQVWLWXW

HQOLJW GHW VRP DQJHV L DYWDOHW

'HW NDQ L VDPPDQKDQJHW QRWHUDV DWW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW L

YLVV PnQ LQQHKnOOHU VlUVNLOGD UHJOHU I|U V N UHQD XWI|UDQGHRUGHU DUWLNHO

)|U VnGDQ YHUNVDPKHW VRP I|UVlNULQJVGLVWULEXW|UHU XWI|U E|U OLN

VRP I|U DQQDQ YHUNVDPKHW VRP KDU HQ NODU DQNQ\WQLQJ WLOO I|UVlNULQJV

DYWDO PHQ VRP LQWH RPIDWWDV DY ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ W H[

I|UVlNULQJVNXQGHUV GLVSRVLWLRQHU Sn GLJLWDOD IRQGWRUJ PHQ lYHQ

PDUNQDGVI|ULQJ DY ILQDQVLHOOD LQVWUXPHQW LQRP HQ OLYI|UVlNULQJ

UHJOHUQD RP I|UVlNULQJVGLVWULEXWLRQ JlOOD

(Q VlUVNLOG IUnJD L DQVOXWQLQJ WLOO XWI|UDQGH DY NXQGHUV GLVSRVLWLRQHU lU

I|UKnOODQGHW WLOO I|UVlNULQJVI|UPHGODUHV I|UXWVlWWQLQJDU DWW WD HPRW

opaginerad 8QGDQWDJHQ IUnQ WLOOlPSQLQJVRPUnGHW I|U 0L),' ,, UHJHOYHUNHW Kontrollera mot PDF

NXQGHUV PHGHO , GHQ GHOHQ NDQ GHW LQOHGQLQJVYLV QRWHUDV DWW GHW XWJ|U HQ QDWXUOLJ GHO DY I|UVlNULQJVGLVWULEXWLRQHQ DWW WD HPRW RFK YLGDUHEHIRUGUD NXQGHUV I|UVlNULQJVSUHPLHU WLOO I|UVlNULQJVI|UHWDJ , GHW VDPPDQKDQJHW E|U GRFN GHQ EHJUlQVQLQJ IUDPKnOODV VRP ILQQV QlU HQ I|UVlNULQJV I|UPHGODUH GHVVI|ULQQDQ WLOOKDQGDKnOOLW LQYHVWHULQJVUnGJLYQLQJ LQRP UDPHQ I|U HWW VLGRWLOOVWnQG (QOLJW UHJOHUQD L 0L),' lU GHW HQ I|UXWVlWWQLQJ I|U DWW PHGOHPVVWDWHUQD VND In DQYlQGD VLJ DY GHW IULYLOOLJD XQGDQWDJ VRP L JlOODQGH VYHQVN UlWW DQYlQGV I|U I|UVlNULQJVI|UPHGODUH DWW GHQ VRP XWI|U HQ LQYHVWHULQJVWMlQVW PHG VW|G DY GHW XQGDQWDJHW LQWH InU LQQHKD QnJUD NXQGPHGHO DUWLNHO I|UVWD VWUHFNVDWVHQ L 0L),' , RFK DUWLNHO D L 0L),' ,, 6OXWVDWVHQ lU GlUI|U DWW I|UXWVlWWQLQJDUDQD I|U DWW KDQWHUD NXQGPHGHO lU PHU EHJUlQVDGH RP I|UVlNULQJVGLVWULEXWLRQHQ

I|UHJnWWV DY VnGDQ LQYHVWHULQJVUnGJLYQLQJ HQOLJW VLGRWLOOVWnQGHW GYV QlU GHW lU IUnJD RP NRUVI|UVlOMQLQJ , OLNKHW PHG YDG Max Matthiessen AB DQI|U ILQQV GHW DQOHGQLQJ DWW J|UD EHG|PQLQJHQ DWW NRQVHNYHQVHQ EOLU DWW HQ I|UVlNULQJVI|UPHGODUH VRP lJQDU VLJ nW VnGDQ YHUNVDPKHW VRP XWJ|U I|UVlNULQJVGLVWULEXWLRQ L I|UKnOODQGH WLOO IRQGDQGHODU LQRP UDPHQ I|U HQ IRQGI|UVlNULQJ VRP KXYXGUHJHO E|U In WD HPRW PHGHO RFK WLOOJnQJDU I|U NXQGV UlNQLQJ PHQ DWW GHQQH LQWH InU J|UD GHW RP GHW VNHU L VDPEDQG PHG LQYHVWHULQJVUnGJLYQLQJ RP GHQ UnGJLYQLQJHQ XWI|UV PHG VW|G DY WLOOVWnQG I|U VLGRYHUNVDPKHW

8QGDQWDJHQ IUnQ WLOOlPSQLQJVRPUnGHW I|U 0L),' ,, UHJHOYHUNHW

0HG EHDNWDQGH DY GHQ RYDQ UHGRYLVDGH VWnQGSXQNWHQ DWW 0L),' ,, RFK GlUPHG ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ E|U YDUD HQVDPW WLOOlPSOLJ Sn YHUNVDPKHW VRP EHU|UV DY GHQ QX DNWXHOOD JUlQVGUDJQLQJVIUnJDQ ILQQV GHW DQOHGQLQJ DWW QlUPDUH EHDNWD GH XQGDQWDJ VRP NDQ WlQNDV DNWXD OLVHUDV L GHW UHJHOYHUNHW

, 0L),' ,, DQJHV HWW DQWDO XQGDQWDJ IUnQ GLUHNWLYHWV WLOOlPSQLQJV RPUnGH DUWLNHO 9LGDUH InU PHGOHPVVWDWHUQD YlOMD DWW L QDWLRQHOO UlWW LQI|UD \WWHUOLJDUH XQGDQWDJ RP GH I|UXWVlWWQLQJDU VRP DQJHV L GLUHNWLYHW lU XSSI\OOGD DUWLNHO

, GHWWD VDPPDQKDQJ lU VlUVNLOW QnJUD XQGDQWDJ DY LQWUHVVH DUWLNHO D F RFK N 'LUHNWLYHW VND LQWH WLOOlPSDV Sn I|OMDQGH I|UHWDJ HOOHU SHUVRQHU

D I|UVlNULQJVI|UHWDJ HOOHU I|UHWDJ VRP EHGULYHU VnGDQ YHUNVDPKHW DYVHHQGH nWHUI|UVlNULQJ RFK UHWURFHVVLRQ VRP DYVHV L GLUHNWLY (* QlU GH EHGULYHU VnGDQ YHUNVDPKHW VRP DYVHV L GHW GLUHNWLYHW

> @

F SHUVRQHU VRP WLOOKDQGDKnOOHU LQYHVWHULQJVWMlQVWHU L GH IDOO Gn WMlQVWHQ WLOOKDQGDKnOOV WLOOIlOOLJW L VDPEDQG PHG DQQDQ \UNHVPlVVLJ YHUNVDPKHW VRP UHJOHUDV DY EHVWlPPHOVHU L ODJ HOOHU DQQDQ I|UIDWWQLQJ HOOHU HWLVND UHJOHU VRP DYVHU \UNHVYHUNVDPKHWHQ L IUnJD YLOND LQWH XWHVOXWHU DWW WMlQVWHQ WLOOKDQGDKnOOV

> @

N SHUVRQHU VRP WLOOKDQGDKnOOHU LQYHVWHULQJVUnGJLYQLQJ LQRP UDPHQ I|U DQQDQ SURIHVVLRQHOO YHUNVDPKHW VRP LQWH RPIDWWDV DY GHWWD GLUHNWLY RP LQJHQ VSHFLILN HUVlWWQLQJ OlPQDV I|U GHQQD UnGJLYQLQJ

> @

opaginerad 0L),' ,, I|U I|UVlNULQJVI|UHWDJV I|UVlNULQJVYHUNVDPKHW DUWLNHO D Kontrollera mot PDF

'HW NDQ I|UVW NRQVWDWHUDV DWW GHW VRP QlPQV RYDQ ILQQV HWW XQGDQWDJ L

0L),' ,, I|U I|UVlNULQJVI|UHWDJV I|UVlNULQJVYHUNVDPKHW DUWLNHO D

(IWHUVRP I|UVlNULQJVI|UHWDJ XWWU\FNOLJHQ EHG|PWV VWn XQGHU HUIRUGHUOLJ

NRQWUROO LQRP UDPHQ I|U DQGUD UHJHOYHUN RFK GlUPHG VlUUHJOHUDWV Sn

DQQDW VlWW VNlO WLOO 0L),' ,, NDQ DQWDV DWW PRWVYDUDQGH VNlO LQWH

DQVHWWV J|UD VLJ JlOODQGH Sn I|UVlNULQJVI|UPHGODUHV I|UVlNULQJV

GLVWULEXWLRQ 2P I|UVlNULQJVI|UPHGODUH KDGH DQVHWWV YDUD I|UHPnO I|U HQ

WLOOUlFNOLJ UHJOHULQJ L GHWWD DYVHHQGH KDGH GHVVD OLNW I|UVlNULQJVI|UHWDJ

NXQQD XQGDQWDJLWV JHQRP HWW PRWVYDUDQGH XWWU\FNOLJW XQGDQWDJ L

0L),' ,, HOOHU I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

'HW ILQQV LQWH KHOOHU VNlO DWW DQVH DWW I|UVlNULQJVI|UPHGODUHV YHUN

VDPKHW L GHQQD GHO NDQ DQVHV WUlIIDV DY QnJRW DY GH RYDQ DQJLYQD PHU

DOOPlQW KnOOQD XQGDQWDJHQ L 0L),' ,, DUWLNHO F RFK N , DOOPlQKHW

WLOOKDQGDKnOOHU QlPOLJHQ I|UVlNULQJVI|UPHGODUH VRP lU YHUNVDPPD Sn GHW

QX DNWXHOOD RPUnGHW LQYHVWHULQJVWMlQVWHU DYVHHQGH ILQDQVLHOOD LQVWUXPHQW

PHG YLVV UHJHOEXQGHQKHW RFK HUKnOOHU RFNVn HUVlWWQLQJ I|U LQYHVWHULQJV

UnGJLYQLQJHQ YDUI|U YDUH VLJ WLOOIlOOLJKHWVNUDYHW DUWLNHO F HOOHU

NUDYHW DWW QnJRQ VSHFLILN HUVlWWQLQJ LQWH OlPQDV DUWLNHO N NDQ DQVHV

XSSI\OOW L GH XQGDQWDJHQ 6RP QlPQV RYDQ E|U GHQ EHG|PQLQJHQ LQWH

SnYHUNDV DY GHW I|UKnOODQGHW DWW HUVlWWQLQJHQ L YLVVD IDOO EHWDODV DY

SURGXFHQWHQ DY GHW ILQDQVLHOOD LQVWUXPHQWHW WLOO I|UVlNULQJVI|UHWDJHW RFK

I|UVW GlUHIWHU WLOO I|UPHGODUHQ

1lU GHW JlOOHU P|MOLJKHW I|U PHGOHPVVWDWHUQD DWW YlOMD DWW LQI|UD \WWHU

OLJDUH XQGDQWDJ HQOLJW 0L),' ,, DUWLNHO KDU VRP QlPQV RYDQ 6YHULJH

YDOW DWW XQGDQWD I|UVlNULQJVI|UPHGODUH VRP KDU WLOOVWnQG DWW VRP VLGR

YHUNVDPKHW I|UPHGOD IRQGDQGHODU VH NDS † I|UVWD VW\FNHW ODJHQ

RP YlUGHSDSSHUVPDUNQDGHQ 'HW VYHQVND JHQRPI|UDQGHW RPIDWWDU

VnOHGHV LQWH W H[ LQYHVWHULQJVUnGJLYQLQJ RP DQGUD W\SHU DY ILQDQVLHOOD

LQVWUXPHQW 0RWLYHW WLOO GHW lU EO D DWW SHUVRQOLJD UHNRPPHQGDWLRQHU RP

IRQGDQGHODU L DOOPlQKHW InU DQVHV PLQGUH ULVNI\OOGD lQ VnGDQD RP W H[

VWUXNWXUHUDGH SURGXNWHU VH SURS V ±

0RW GHQQD EDNJUXQG ILQQV GHW VDPPDQIDWWQLQJVYLV DQOHGQLQJ DWW J|UD

EHG|PQLQJHQ DWW XQGDQWDJHQ L 0L),' ,, RFK GlUPHG lYHQ L ODJHQ RP

YlUGHSDSSHUVPDUNQDGHQ LQWH L DOOPlQKHW E|U YDUD WLOOlPSOLJD QlU GHW

JlOOHU I|UVlNULQJVI|UPHGODUH VRP GULYHU YHUNVDPKHW L IRUP DY

LQYHVWHULQJVUnGJLYQLQJ HOOHU SRUWI|OMI|UYDOWQLQJ LQRP HQ OLYI|UVlNULQJ

6lUVNLOW RP NRUVYLV WLOOlPSQLQJ DY UHJHOYHUNHQ

)|UXWRP GHQ RPVWlQGLJKHWHQ DWW GH QX DNWXHOOD GLUHNWLYHQ WDU VLNWH Sn

ROLND YHUNVDPKHWHU ± I|UVlNULQJVGLVWULEXWLRQ UHVSHNWLYH LQYHVWHULQJV

WMlQVWHU ± RFK DWW UHJHOYHUNHQ lU DYJUlQVDGH RFK DQSDVVDGH I|U GHQ HQD

HOOHU DQGUD W\SHQ DY YHUNVDPKHW NDQ GHW lYHQ QRWHUDV DWW GH WDU VLQ

XWJnQJVSXQNW L DWW GHQ VHNWRUVYLVD UHJOHULQJHQ LQWH lU NRUVYLV WLOOlPSOLJ

0RW GHQ EDNJUXQGHQ ILQQV GHW VNlO DWW DQVH DWW GLUHNWLYHQ LQWH E|U YDUD

WLOOlPSOLJD VDPWLGLJW Sn HQ RFK VDPPD WMlQVW

bYHQ RP GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ RFK ODJHQ RP

YlUGHSDSSHUVPDUNQDGHQ WDU VLNWH Sn ROLND VODJV YHUNVDPKHWHU Sn VlWW

VRP DQJHV RYDQ YLVDU I|UHNRPVWHQ DY GH SURGXNWHU RFK WMlQVWHU VRP

ILQQV Sn PDUNQDGHQ DWW GHW LQWH XWHVOXWHU DWW HQ RFK VDPPD DNW|U L RFK I|U

VLJ NDQ |QVND GULYD YHUNVDPKHW VRP RPIDWWDV DY GH EnGD ODJDUQDV

opaginerad GLUHNWD RFK LQGLUHNWD NXQGVN\GG VRP UHJHOYHUNHW L 0L),' ,, HUEMXGHU Kontrollera mot PDF

UHVSHNWLYH WLOOlPSQLQJVRPUnGH 'HWWD NDQ lYHQ RIWD YDUD WLOO I|UGHO I|U NXQGHUQD HIWHUVRP GH Gn NDQ In VLQD VDPWOLJD EHKRY DY ILQDQVLHOOD WMlQVWHU WLOOJRGRVHGGD VDPWLGLJW DY VDPPD DNW|U (Q DQQDQ VDN lU DWW GHW Gn RIWD U|U VLJ RP WYn HOOHU IOHU VHSDUDWD EHG|PQLQJDU PHG UHODWLYW OLWH JHPHQVDPW VRP L VLQ WXU VWlOOHU ROLND NUDY Sn UnGJLYDUHQV NRPSHWHQV )|UVW NXQGHQV YDO DY OlPSOLJW I|UVlNULQJVDYWDO RFK GlUHIWHU GH ILQDQVLHOOD LQVWUXPHQW VRP SDVVDU NXQGHQ (Q YHUNVDPKHWVXW|YDUH PnVWH L HQ VnGDQ VLWXDWLRQ HQOLJW I|UVODJHW L GHQQD SURPHPRULD KD HWW WLOOVWnQG I|U UHVSHN WLYH YHUNVDPKHW VRP GULYV

'HW DQI|UGD NDQ DOOWVn In WLOO I|OMG DWW UHJHOYHUN VRP LQQHKnOOHU GHOYLV ROLND NUDY NDQ EHK|YD WLOOlPSDV XQGHU HWW RFK VDPPD NXQGP|WH (Q VlUVNLOG IUnJD L GHW VDPPDQKDQJHW lU DWW NXQGHU GHODV LQ L ROLND NDWHJRULHU HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ SURIHVVLRQHOO NXQG RFK LFNH SURIHVVLRQHOO NXQG VH NDS ± †† Sn HWW VlWW VRP LQWH KDU QnJRQ GLUHNW PRWVYDULJKHW L I|UVlNULQJVGLVWULEXWLRQVUHJHOYHUNHW 'HWWD LQQHElU DWW GHW KHOW HQNHOW NDQ WLOONRPPD DGPLQLVWUDWLYD SnODJRU I|U GH DNW|UHU VRP DYVHU DWW WLOOKDQGDKnOOD EnGD W\SHU DY YHUNVDPKHW WLOO VLQD NXQGHU 'HW NDQ GRFN LQWH ERUWVHV IUnQ DWW HQ PRWVDWW WRONQLQJ VRP LQQHElU DWW DNWXHOOD UHJHOYHUN EHG|PV YDUD NRUVYLV WLOOlPSOLJD RFK DWW WLOOVWnQGHW I|U I|UVlNULQJVGLVWULEXWLRQ lU WLOOUlFNOLJW VNXOOH |SSQD I|U NULQJJnHQGH DY GH VWUlQJDUH NUDYHQ L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ V N UHJHO DUELWUDJH (Q SHUVRQ VRP |QVNDU WLOOKDQGDKnOOD NXQGHU SHUVRQOLJD UHNRPPHQGDWLRQHU RP ILQDQVLHOOD LQVWUXPHQW VNXOOH PHG DQGUD RUG NXQQD YlOMD RP KDQ HOOHU KRQ YLOO XQGHUNDVWD VLJ GHW VWUlQJDUH UHJHOYHUNHW HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ DOWHUQDWLYW VNDIID VLJ HWW WLOOVWnQG VRP I|UVlNULQJVI|UPHGODUH RFK JH VDPPD UnGJLYQLQJ XQGHU GHW PLQGUH ULJRU|VD UHJHOYHUNHW VRP JlOOHU I|U GHQ YHUNVDPKHWHQ 'HWWD VNXOOH VRP QlPQV RYDQ VNDSD P|MOLJKHW I|U RVHUL|VD DNW|UHU DWW EHGULYD YHUNVDPKHW VRP LQWH lU OnQJVLNWLJ

(Q WRONQLQJ VRP GlUHPRW LQQHElU DWW HQGDVW I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW RFK GlUPHG GHQ Q\D ODJHQ RP I|UVlNULQJVGLGVWULEXWLRQ lU WLOOlPSOLJW Sn DOO UnGJLYQLQJ VRP OlPQDV RP HQ OLYI|UVlNULQJ VNXOOH GHW Sn PRWVYDUDQGH VlWW VRP DQJHV L SURPHPRULDQ 6WlUNW NRQVXPHQWVN\GG YLG I|UVlNULQJVI|UPHGOLQJ OHGD WLOO UHVXOWDWHW DWW YlUGHSDSSHUVLQVWLWXW LQWH InU OlPQD LQYHVWHULQJVUnGJLYQLQJ L I|UKnOODQGH WLOO ILQDQVLHOOD LQVWUXPHQW RP LQVWUXPHQWHQV YlUGHXWYHFNOLQJ NRSSODV WLOO HQ VnGDQ I|UVlNULQJ 1nJRW XQGDQWDJ I|U YlUGHSDSSHUVLQVWLWXW ILQQV QlPOLJHQ LQWH L I|UVlN ULQJVGLVWULEXWLRQVGLUHNWLYHW (Q VnGDQ WRONQLQJ IUDPVWnU GHVVXWRP VRP RPRWLYHUDG RFK GLUHNW IHODNWLJ PRW EDNJUXQG DY DWW YlUGHSDSSHUVLQVWLWXW lU I|UHPnO I|U HWW VWUlQJDUH RFK I|U LQYHVWHULQJVUnGJLYQLQJ YlO DQSDVVDW UHJHOYHUN

(QOLJW JlOODQGH UlWW NDQ VnYlO MXULGLVND VRP I\VLVND SHUVRQHU DQV|ND RP WLOOVWnQG I|U DWW XW|YD I|UVlNULQJVI|UPHGOLQJ XWLIUnQ HQ UHODWLYW HQNHO RFK ELOOLJ WLOOVWnQGVSURFHVV )|UVODJHQ L GHQQD SURPHPRULD LQQHElU L RFK I|U VLJ DWW GHQ RUGQLQJHQ WLOO YLVV GHO VNlUSV PHQ GHW NRPPHU lYHQ L IRUWVlWWQLQJHQ DWW YDUD PLQGUH NRPSOLFHUDW RFK NRVWVDPW lQ DWW DQV|ND WLOOVWnQG I|U DWW GULYD YlUGHSDSSHUVU|UHOVH 2P I|UVlNULQJVI|UPHG OLQJVI|UHWDJ PHG VW|G DY HWW VnGDQW HQNODUH RFK ELOOLJDUH WLOOVWnQG NDQ WLOOKDQGDKnOOD LQYHVWHULQJVUnGJLYQLQJ DYVHHQGH ILQDQVLHOOD LQVWUXPHQW

LQRP HQ I|UVlNULQJ PHGI|U GHW DWW NXQGHU LQWH IXOOW XW WLOOI|UVlNUDV GHW

GLUHNWD RFK LQGLUHNWD NXQGVN\GG VRP UHJHOYHUNHW L 0L),' ,, HUEMXGHU

opaginerad 2P I|UVlNULQJVI|UPHGODUHV DQVYDUVI|UVlNULQJ Kontrollera mot PDF

2P I|UVlNULQJVI|UPHGODUHV DQVYDUVI|UVlNULQJ

, GHWWD VDPPDQKDQJ ILQQV GHW lYHQ DQOHGQLQJ DWW QRWHUD DWW GH RNODUKHWHU VRP IXQQLWV QlU GHW JlOOHU I|UVlNULQJVI|UPHGODUHV UnGJLYQLQJ RP SODFH ULQJDU L ILQDQVLHOOD LQVWUXPHQW LQRP HQ I|UVlNULQJ I|UDQOHWW WYLVWHU PHOODQ NXQGHU RFK DQVYDUVI|UVlNULQJVJLYDUH )OHUWDOHW DQVYDUVI|UVlNULQJVJLYDUH KDU SnWDODW DWW GHW I|U QlUYDUDQGH LQWH JnU DWW EHG|PD ULVNHUQD PHG GHQ W\SHQ DY YHUNVDPKHW YDUI|U GH YDOW DWW LQWH HUEMXGD VnGDQ DQVYDUV I|UVlNULQJ 'HW ILQQV HQ SRWHQWLHOO I|UVlNULQJVEULVW L GHWWD DYVHHQGH VRP lU DOOYDUOLJ HIWHUVRP DQVYDUVI|UVlNULQJ lU HQ I|UXWVlWWQLQJ I|U DWW In WLOO VWnQG VRP I|UVlNULQJVI|UPHGODUH )|UVlNULQJVI|UPHGODUH lU DY FHQWUDO EHW\GHOVH I|U I|UVlNULQJVPDUNQDGHQV IXQNWLRQ RFK GHW lU YLNWLJW DWW GHW ILQQV I|UXWVlWWQLQJDU DWW LQOHGD VnGDQ YHUNVDPKHW bYHQ GHWWD lU QnJRW VRP L YLVV PnQ E|U EHDNWDV LQRP UDPHQ I|U GHQ QX DNWXHOOD JUlQVGUDJQLQJVIUnJDQ 'HW NDQ L RFK I|U VLJ DQWDV DWW DQVYDUVI|U VlNULQJVJLYDUHV DNWXDULHOOD EHG|PQLQJDU DY GHQ I|UVlNUDGH ULVNHQ NRPPHU DWW XQGHUOlWWDV HIWHU HWW NODUJ|UDQGH REHURHQGH DY YLONHW VWlOOQLQJVWDJDQGH VRP J|UV L GHQ IUnJDQ

'HW NDQ DOOWVn NRQVWDWHUDV DWW GHW QX DNWXHOOD NODUJ|UDQGHW L JUlQVGUDJ QLQJVIUnJDQ NDQ NRPPD DWW In HWW GLUHNW VDPEDQG PHG GHQ RP DQVYDUV I|UVlNULQJHQV FLYLOUlWWVOLJD UlFNYLGG , VWlOOQLQJVWDJDQGHW OLJJHU GHW GlU I|U HQ DYYlJQLQJ PHOODQ IOHUD ROLND LQWUHVVHQ +lU IUDPVWnU I|UVlNULQJV I|UPHGODUQDV NXQGHUV LQWUHVVH DY DWW DQVYDUVI|UVlNULQJHQ VND JHV HQ YLG RPIDWWQLQJ VRP VlUVNLOW EHDNWDQVYlUG 'HW E|U GRFN IUDPKnOODV DWW L SULQFLS VDPWOLJD OLYI|UVlNULQJVI|UPHGODUHV DQVYDUVI|UVlNULQJDU L VnGDQW IDOO InU WlFND HQ K|JUH ULVN HIWHUVRP GH lYHQ NRPPHU DQVHV WlFND UnG JLYQLQJ RP NRPSOH[D ILQDQVLHOOD LQVWUXPHQW RDYVHWW RP I|UPHGODUHQ IDNWLVNW lJQDU VLJ nW VnGDQ YHUNVDPKHW bYHQ GHWWD lU HQ RXQGYLNOLJ I|OMG DY GHQ LQGHOQLQJ L I|UVlNULQJVNODVVHU VRP QlPQV RYDQ JHQRP YLOND EnGH HQNODUH RFK PHU NRPSOH[D OLYI|UVlNULQJDU WLOOK|U VDPPD NODVV 'HW VNXOOH L VLQ WXU PHGI|UD DWW DQVYDUVI|UVlNULQJDUQD EOLU G\UDUH I|U GHW VWRUD IOHU

WDOHW OLYI|UVlNULQJVI|UPHGODUH RFK DWW HQ VnGDQ NRVWQDG L I|UOlQJQLQJHQ NDQ DQWDV |YHUYlOWUDV Sn NXQGHUQD , OLNKHW PHG GHW Svenska försäkrings- förmedlares förening DQI|U NDQ GHW lYHQ I|UXWVHV DWW HQ DQQDQ RUGQLQJ lQ

GHQ VRP I|UHVOnV L GHQQD SURPHPRULD VNXOOH ULVNHUD DWW IUDPI|U DOOW Sn YHUND PLQGUH DNW|UHU QHJDWLYW JHQRP DWW GHW LQWH OlQJUH VNXOOH YDUD P|MOLJW I|U GHP DWW HUKnOOD DQVYDUVI|UVlNULQJ 'HWWD VNXOOH GUDEED HWW VWRUW DQWDO I|UVlNULQJVGLVWULEXW|UHU RFK L VOXWlQGDQ GHUDV NXQGHU

9LGDUH lU GHW LQWH P|MOLJW DWW XSSQn HWW K|JW NXQGVN\GG VHWW LVROHUDW WLOO DQVYDUVI|UVlNULQJVIUnJDQ Sn QnJRW DQQDW VlWW lQ JHQRP DWW J|UD HQ PRWVDWW WRONQLQJ MlPI|UW PHG GHQ VRP J|UV L GHQQD SURPHPRULD 0RW GHQ EDNJUXQGHQ WDODU GRFN |YHUYlJDQGH VNlO I|U DWW HWW L DOOPlQKHW K|JUH NXQGVN\GG XSSQnV JHQRP DWW WLOOI|UVlNUD NXQGHUQD DWW HQGDVW I|UVlNULQJVI|UPHGODUH PHG VLGRWLOOVWnQG HOOHU DNW|UHU PHG WLOOVWnQG HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ InU WLOOKDQGDKnOOD QX DNWXHOOD WMlQVWHU 0HG DQGUD RUG PRWLYHUDU LQWH GHW PHU RPIDWWDQGH VN\GG VRP DQVYDUVI|UVlNULQJHQ VNXOOH JH YLG HQ PRWVDWW RUGQLQJ DWW YDUMH I|UVlNULQJVI|UPHGODUH PHG WLOOVWnQG LQRP DNWXHOOD I|UVlNULQJVNODVVHU InU JH UHNRPPHQGDWLRQHU WLOO NXQGHU RP ILQDQVLHOOD LQVWUXPHQW

'HW ILQQV YLGDUH DQOHGQLQJ DWW J|UD I|OMDQGH EHG|PQLQJ QlU GHW JlOOHU

Svensk Försäkrings I|UVODJ DWW GHOD XSS WLOOVWnQGHQ I|U I|UVlNULQJV

opaginerad 2P I|UVlNULQJVI|UPHGODUHV DQVYDUVI|UVlNULQJ Kontrollera mot PDF

I|UPHGOLQJ UHVSHNWLYH YlUGHSDSSHUVU|UHOVH Vn DWW LQYHVWHULQJVUnGJLYQLQJ LQRP HQ OLYI|UVlNULQJ EDUD VNXOOH In VNH LQRP UDPHQ I|U HQ DQVYDUV I|UVlNULQJ I|U YlUGHSDSSHUVU|UHOVH 6YHQVN )|UVlNULQJ PHQDU DWW PDQ GlUPHG HYHQWXHOOW VNXOOH NXQQD XQGDQWD LQYHVWHULQJVUnGJLYQLQJ RP ILQDQVLHOOD LQVWUXPHQW IUnQ DQVYDUVI|UVlNULQJHQ I|U I|UVlNULQJVI|UPHG OLQJVYHUNVDPKHW (QOLJW 6YHQVN )|UVlNULQJ VNXOOH HQ VnGDQ O|VQLQJ LQQH ElUD HQ SOLNW I|U GHQ VRP I|UPHGODU I|UVlNULQJDU LQQHKnOODQGH ILQDQVLHOOD LQVWUXPHQW DWW WHFNQD DQVYDUVI|UVlNULQJ DYVHHQGH EnGH I|UVlNULQJV I|UPHGOLQJ RFK YlUGHSDSSHUVU|UHOVH

'HW ILQQV L RFK I|U VLJ DQOHGQLQJ DWW VH SRVLWLYW Sn LQQHE|UGHQ DY GHQ O|VQLQJ VRP 6YHQVN )|UVlNULQJ I|UHVOnU PHQ EHG|PQLQJHQ lU DWW GHQ LQWH lU JHQRPI|UEDU HIWHUVRP JUXQGSUREOHPDWLNHQ EHURU Sn KXU YHUNVDP KHWHQ GH IDFWR GHILQLHUDV L I|UKnOODQGH WLOO WLOOlPSQLQJVRPUnGHQD I|U GH WYn UHJHOYHUNHQ 2P GHQ QX DNWXHOOD YHUNVDPKHWHQ DQVHV RPIDWWDV DY EHJUHSSHW I|UVlNULQJVGLVWULEXWLRQ NRPPHU GHQ REOLJDWRULVND DQYDUV I|UVlNULQJHQ DWW EHK|YD WlFND DOO VnGDQ YHUNVDPKHW I|U DWW XSSI\OOD GH NUDY VRP VWlOOV L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 2P UnGJLYQLQJHQ GlUHPRW LQWH DQVHV XWJ|UD I|UVlNULQJVGLVWULEXWLRQ ILQQV GHW LQJHQ JHQHUHOO P|MOLJKHW DWW XQGYLND NUDYHQ L UHJHOYHUNHW Sn YlUGHSDSSHUV PDUNQDGVRPUnGHW QlU GHW JlOOHU WLOOVWnQG RFK NDSLWDO P P 1lU GHW VHGDQ JlOOHU GHW IULYLOOD XQGDQWDJ VRP 0L),' ,, DUWLNHO HUEMXGHU ILQQV GHW GRFN DQOHGQLQJ DWW J|UD EHG|PQLQJHQ DWW HQ VHSDUDW DQVYDUVI|UVlNULQJ I|U GHQ GHOHQ DY YHUNVDPKHWHQ GYV LQYHVWHULQJVUnGJLYQLQJHQ LQRP UDPHQ I|U VLGRWLOOVWnQG lYHQ IRUWVlWWQLQJVYLV E|U XWJ|UD HWW OlPSOLJW VN\GG I|U DWW HQ I|UVlNULQJVI|UPHGODUHV VNDGHVWnQGVVN\OGLJKHW VND NXQQD IXOOJ|UDV LQRP UDPHQ I|U VnGDQ YHUNVDPKHW

'HW NODUJ|UDQGH VRP J|UV L GHQ QX DNWXHOOD JUlQVGUDJQLQJVIUnJDQ L GHQQD SURPHPRULD E|U L I|UKnOODQGH WLOO GHQ REOLJDWRULVND DQVYDUV I|UVlNULQJ I|U I|UVlNULQJVGLVWULEXWLRQ DOOWVn WRONDV Vn DWW GHQ LQWH RPIDWWDU I|UVlNULQJVI|UPHGODUHV LQYHVWHULQJVWMlQVWHU VRP WLOOKDQGDKnOOV LQRP HQ OLYI|UVlNULQJ (Q NRQVHNYHQV DY EHG|PQLQJHQ L GHQQD GHO lU DWW NXQGHU VRP WLOOKDQGDKnOOLWV LQYHVWHULQJVUnGJLYQLQJ IUnQ HQ I|UVlNULQJVI|UPHGODUH VDNQDU VN\GG IUnQ I|UVlNULQJVI|UPHGODUHQV REOLJDWRULVND DQVYDUV I|UVlNULQJ RP UnGJLYQLQJHQ YDULW RDNWVDP RFK RUVDNDW VNDGD .XQG VN\GGHW L GHQ GHOHQ HUVlWWV GRFN DY GHQ VHSDUDWD DQVYDUVI|UVlNULQJ VRP I|UVlNULQJVI|UPHGODUH VND KD RP GH EHGULYHU YLVV LQYHVWHULQJVUnGJLYQLQJ HQOLJW VLGRWLOOVWnQG )|U DQGUD LQYHVWHULQJVWMlQVWHU JlOOHU GHW NDSLWDONUDY VRP JlOOHU I|U YlUGHSDSSHUVLQVWLWXW 2P I|UVlNULQJVI|UPHGODUHQ L VWlOOHW lU DQNQXWHQ WLOO HWW YlUGHSDSSHUVLQVWLWXW lU GHW I|UHWDJHW VROLGDULVNW EHWDOQLQJVDQVYDULJW I|U VNDGHVWnQG VRP I|UPHGODUHQ VND XWJH

2P I|UVlNULQJVI|UPHGODUHQ YDUNHQ KDU VLGRWLOOVWnQG WLOOVWnQG I|U YlUGHSDSSHUVU|UHOVH HOOHU lU HWW DQNQXWHW RPEXG VDNQDV GRFN L SULQFLS VN\GG I|U NXQGHQ YLG I|UPHGODUHQV LQVROYHQV 'HWWD NDQ OHGD WLOO RO\FNOLJD VLWXDWLRQHU PHQ VDPWLGLJW NDQ GHW NRQVWDWHUDV DWW NXQGVN\GGHW LQWH NDQ XWIRUPDV I|U DWW RPIDWWD VDPWOLJD IDOO Gn HQ PDUNQDGVDNW|U XWI|U YHUNVDPKHW VRP LQWH RPIDWWDV DY GHVV WLOOVWnQG (Q DQQDQ VDN lU DWW I|UVlNULQJVI|UPHGODUH L DOOPlQKHW KDU HQ VN\OGLJKHW DWW W\GOLJW DQJH I|U NXQGHQ QlU GH UnG RFK UHNRPPHQGDWLRQHU GHQ OlPQDU LQWH RPIDWWDV DY GHVV DQVYDUVI|UVlNULQJ 8QGHUOnWHOVH DWW OlPQD VnGDQ LQIRUPDWLRQ XWJ|U L VLJ HWW DYVWHJ IUnQ JRG I|UVlNULQJVGLVWULEXWLRQVVWDQGDUG RFK RP GHWWD

opaginerad UHVXOWHUDU L HQ VNDGD I|U NXQGHQ RPIDWWDV GHW L VLQ WXU DY GHQ REOLJDWRULVND DQVYDUVI|UVlNULQJHQ Kontrollera mot PDF

UHVXOWHUDU L HQ VNDGD I|U NXQGHQ RPIDWWDV GHW L VLQ WXU DY GHQ REOLJDWRULVND DQVYDUVI|UVlNULQJHQ

)|UVlNULQJVI|UPHGODUH RFK I|UVlNULQJVI|UHWDJ VRP WLOOKDQGDKnOOHU LQYHVWHULQJVWMlQVWHU

,QOHGQLQJ

)|UVlNULQJVI|UHWDJV RFK I|UVlNULQJVI|UPHGODUHV UnGJLYQLQJ DYVHHQGH SODFHULQJDU RFK LQYHVWHULQJDU UHJOHUDV L GDJ L IOHUD ROLND ODJDU 'HQ KXYXGVDNOLJD UHJOHULQJHQ DY UnGJLYQLQJ DYVHHQGH SODFHULQJDU RFK LQYHVWHULQJDU ILQQV GHOV L UnGJLYQLQJVODJHQ GHOV L ODJHQ RP YlUGH SDSSHUVPDUNQDGHQ 'HW E|U GRFN L VDPPDQKDQJHW XSSPlUNVDPPDV DWW WMlQVWHU VRP I|UVlNULQJVI|UPHGODUH RFK I|UVlNULQJVI|UHWDJ WLOOKDQGDKnOOHU L VLJ NDQ LQQHKnOOD PRPHQW DY ILQDQVLHOO UnGJLYQLQJ VRP lYHQ UHJOHUDV L I|UVlNULQJVI|UPHGOLQJVODJHQ RFK I|UVlNULQJVU|UHOVHODJHQ 'HQ Q\D ODJ RP I|UVlNULQJVGLVWULEXWLRQ VRP I|UHVOnV L GHQQD SURPHPRULD LQQHElU Q\D RFK \WWHUOLJDUH UHJOHU L GHQQD GHO

, DYVQLWW ILQQV QlU GHW JlOOHU I|UVlNULQJVI|UHWDJ I|UVODJ VRP HQGDVW LQGLUHNW lU I|UDQOHGGD DY JHQRPI|UDQGHW L VYHQVN UlWW DY I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW 'H I|UlQGULQJDU VRP GHW GLUHNWLYHW LQQHElU Sn UnGJLYQLQJVRPUnGHW U|U I|UVlNULQJVGLVWULEXWLRQ RFK PHG GHQ VWnQGSXQNW VRP UHGRYLVDV L DYVQLWW LQQHIDWWDV LQWH LQYHVWHULQJVWMlQVWHU L VnGDQ YHUNVDPKHW

*lOODQGH UlWW

/DJHQ RP ILQDQVLHOO UnGJLYQLQJ WLOO NRQVXPHQWHU

, UnGJLYQLQJVODJHQ ILQQV GHOV FLYLOUlWWVOLJD UHJOHU RP UlWW WLOO VNDGHVWnQG UHNODPDWLRQ RFK SUHVNULSWLRQ GHOV QlULQJVUlWWVOLJD UHJOHU RP KXU UnGJLY QLQJHQ VND EHGULYDV /DJHQV QlULQJVUlWWVOLJD UHJOHULQJ JlOOHU GRFN LQWH YlUGHSDSSHUVLQVWLWXW HOOHU I|UVlNULQJVI|UPHGODUH QlU GH EHGULYHU LQYHVWH ULQJVUnGJLYQLQJ DYVHHQGH IRQGDQGHODU PHG VW|G DY WLOOVWnQG I|U VLGR YHUNVDPKHW D † UHVSHNWLYH RFK †† 6NlOHW I|U GHW lU DWW PRW VYDUDQGH RFK PHU GHWDOMHUDGH QlULQJVUlWWVOLJD UHJOHU ILQQV L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ I|U I|UVlNULQJVI|UPHGODUQDV GHO JHQRP KlQYLVQLQJ L I|UVlNULQJVI|UPHGOLQJVODJHQ > NDS † @ 'H QlULQJV UlWWVOLJD UHJOHUQD L UnGJLYQLQJVODJHQ VND GlUHPRW WLOOlPSDV Sn GHQ UnG JLYQLQJ VRP EHGULYV LQRP UDPHQ I|U I|UVlNULQJVI|UPHGODUQDV RUGLQDULH I|UPHGOLQJVYHUNVDPKHW bYHQ I|UVlNULQJVI|UHWDJ VND YLG VLQ UnGJLYQLQJ I|OMD VDPWOLJD UHJOHU L UnGJLYQLQJVODJHQ

5nGJLYQLQJVODJHQ lU WLOOlPSOLJ Sn ILQDQVLHOO UnGJLYQLQJ VRP HQ

QlULQJVLGNDUH WLOOKDQGDKnOOHU HQ NRQVXPHQW RFK VRP RPIDWWDU SODFHULQJ

DY NRQVXPHQWHQV WLOOJnQJDU L ILQDQVLHOOD LQVWUXPHQW HOOHU OLYI|UVlNULQJDU

PHG VSDUPRPHQW † %HJUHSSHW ILQDQVLHOO UnGJLYQLQJ RPIDWWDU YHUN

VDPKHW VRP PRWVYDUDU LQYHVWHULQJVUnGJLYQLQJ HQOLJW ODJHQ RP YlUGHSDS

SHUVPDUNQDGHQ PHQ lYHQ YLVVD DQGUD UHNRPPHQGDWLRQHU DYVHHQGH

VnGDQD I|UVlNULQJDU RFK ILQDQVLHOOD LQVWUXPHQW $YVDNQDGHQ DY HQ OHJDO

GHILQLWLRQ DY ILQDQVLHOO UnGJLYQLQJ LQQHElU GRFN DWW GHW LEODQG NDQ YDUD

opaginerad /DJHQ RP YlUGHSDSSHUVPDUNQDGHQ Kontrollera mot PDF

VYnUW DWW VlUVNLOMD UnGJLYQLQJ IUnQ W H[ PDUNQDGVI|ULQJ RFK I|UVlOMQLQJ 8U HQ NRQVXPHQWV SHUVSHNWLY lU GHW GRFN DY YlVHQWOLJ EHW\GHOVH DWW NXQQD IDVWVWlOOD DWW GHW KDU YDULW IUnJD RP MXVW UnGJLYQLQJ HIWHUVRP UHJOHUQD L UnGJLYQLQJVODJHQ DQQDUV LQWH lU WLOOlPSOLJD

, UnGJLYQLQJVODJHQ VWlOOV NUDY Sn KXU QlULQJVLGNDUHQ VND DJHUD YLG UnGJLYQLQJHQ 1lULQJVLGNDUHQ VND VH WLOO DWW GHQ SHUVRQDO VRP OlPQDU UnG KDU WLOOUlFNOLJ NRPSHWHQV DWW UnGJLYQLQJHQ GRNXPHQWHUDV RFK DWW GRNX PHQWDWLRQHQ OlPQDV XW WLOO NRQVXPHQWHQ † 1lULQJVLGNDUHQ VND L VLQ UnGJLYQLQJ LDNWWD JRG UnGJLYQLQJVVHG RFK PHG WLOOE|UOLJ RPVRUJ WD WLOO YDUD NRQVXPHQWHQV LQWUHVVHQ VDPW DQSDVVD UnGJLYQLQJHQ HIWHU NRQVX PHQWHQV |QVNHPnO RFK EHKRY † 1lULQJVLGNDUHQ VND LQWH UHNRPPHQ GHUD DQGUD O|VQLQJDU lQ VnGDQD VRP NDQ DQVHV OlPSOLJD I|U NRQVXPHQWHQ RFK lYHQ DYUnGD IUnQ DWW YLGWD nWJlUGHU VRP LQWH NDQ DQVHV OlPSOLJD

, UnGJLYQLQJVODJHQV FLYLOUlWWVOLJD EHVWlPPHOVHU ILQQV UHJOHU RP VNDGH VWnQGVDQVYDU UHNODPDWLRQ RFK SUHVNULSWLRQ RFK †† 2P QlULQJV LGNDUHQ XSSVnWOLJHQ HOOHU DY RDNWVDPKHW RUVDNDU NRQVXPHQWHQ UHQ I|U P|JHQKHWVVNDGD NDQ QlULQJVLGNDUHQ EOL VN\OGLJ DWW HUVlWWD VNDGDQ † , SURPHPRULDQ 6NDGHVWnQGHWV EHVWlPPDQGH YLG ILQDQVLHOO UnGJLYQLQJ 'V I|UHVOnV YLVVD lQGULQJDU DYVHHQGH VNDGHVWnQGHWV EHVWlPPDQGH 5nGJLYQLQJVODJHQV FLYLOUlWWVOLJD UHJOHU lU WLOO VNLOOQDG IUnQ GH QlULQJVUlWWVOLJD WLOOlPSOLJD lYHQ QlU YlUGHSDSSHUVLQVWLWXW GULYHU YlUGHSDSSHUVU|UHOVH RFK I|UVlNULQJVI|UPHGODUH WLOOKDQGDKnOOHU LQYHVWHULQJVWMlQVWHU LQRP UDPHQ I|U VLGRYHUNVDPKHW 0RWVYDUDQGH FLYLOUlWWVOLJD UHJOHU ILQQV L I|UVlNULQJVI|UPHGOLQJVODJHQ PHQ LQWH L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ

/DJHQ RP YlUGHSDSSHUVPDUNQDGHQ

/DJHQ RP YlUGHSDSSHUVPDUNQDGHQ lU WLOOlPSOLJ QlU YlUGHSDSSHUVLQVWLWXW GULYHU YlUGHSDSSHUVU|UHOVH GYV WLOOKDQGDKnOOHU LQYHVWHULQJVWMlQVWHU HOOHU GULYHU LQYHVWHULQJVYHUNVDPKHW )|UVlNULQJVI|UHWDJ lU XQGDQWDJQD IUnQ GHQ ODJHQV WLOOlPSQLQJVRPUnGH NDS † I|UVWD VW\FNHW

)|U YlUGHSDSSHUVLQVWLWXWHQV UnGJLYQLQJ JlOOHU VRP QlPQV RYDQ LQWH UnGJLYQLQJVODJHQV QlULQJVUlWWVOLJD EHVWlPPHOVHU , VWlOOHW VND ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ WLOOlPSDV VH NDS 'HWVDPPD JlOOHU QlU HQ I|UVlNULQJVI|UPHGODUH XW|YDU LQYHVWHULQJVWMlQVWHU VRP VLGRYHUNVDPKHW NDS † VLVWD VW\FNHW 1lU 0L),' ,, KDU JHQRPI|UWV L VYHQVN UlWW JHQRP lQGULQJDU L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ NRPPHU HQ GHO DY GH QXYDUDQGH UHJOHUQD DWW lQGUDV RFK \WWHUOLJDUH UHJOHU DWW WLOONRPPD VH SURS

%HJUHSSHQ NRQVXPHQW RFK QlULQJVLGNDUH DQYlQGV LQWH L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ , VWlOOHW VND YlUGHSDSSHUVLQVWLWXWHQ GHOD LQ NXQGHUQD L NDWHJRULHUQD SURIHVVLRQHOOD NXQGHU RFK LFNH SURIHVVLRQHOOD NXQGHU (Q NRQVXPHQW WRUGH YDQOLJWYLV GHILQLHUDV VRP HQ LFNH SURIHVVLRQHOO NXQG OLNVRP GH IOHVWD I|UHWDJVNXQGHU .XQGLQGHOQLQJHQ KDU EHW\GHOVH I|U KXU NXQGVN\GGVUHJOHUQD L ODJHQ VND WLOOlPSDV

opaginerad )|UVlNULQJVU|UHOVHODJHQ Kontrollera mot PDF

)|UVlNULQJVU|UHOVHODJHQ

'HQ KXYXGVDNOLJD UHJOHULQJHQ DY I|UVlNULQJVI|UHWDJHQV YHUNVDPKHW ILQQV L I|UVlNULQJVU|UHOVHODJHQ 1lU I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW KDU JHQRPI|UWV L VYHQVN UlWW JHQRP GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ VRP I|UHVOnV L GHQQD SURPHPRULD NRPPHU lYHQ GHQ ODJHQ DWW YDUD VW\UDQGH I|U I|UVlNULQJVI|UHWDJHQV YHUNVDPKHW

, I|UVlNULQJVU|UHOVHODJHQ UHJOHUDV I|UVlNULQJVI|UHWDJHQV U|UHOVH NDS 5|UHOVHQ VND GULYDV HQOLJW JRG I|UVlNULQJVVWDQGDUG %HJUHSSHW GHILQLHUDV LQWH L ODJHQ PHQ WDU VLNWH Sn HWW NYDOLWDWLYW PnWW Sn YHUNVDP KHWHQ %HJUHSSHW RPIDWWDU HWW I|UVlNULQJVI|UHWDJV KHOD YHUNVDPKHW LQWHUQ VW\UQLQJ RFK NRQWUROO RUJDQLVDWLRQ RFK DUEHWVPHWRGHU OLNVRP H[WHUQ YHUNVDPKHW VnVRP LQIRUPDWLRQ UnGJLYQLQJ RFK VNDGHUHJOHULQJ 1nJUD VSHFLILND EHVWlPPHOVHU VRP WDU VLNWH Sn I|UVlNULQJVI|UHWDJHQV UnGJLYQLQJ WLOO VLQD NXQGHU ILQQV GRFN LQWH L I|UVlNULQJVU|UHOVHODJHQ 6RP QlPQV RYDQ JlOOHU HPHOOHUWLG UnGJLYQLQJVODJHQ QlU HWW I|UVlNULQJVI|UHWDJ OlPQDU ILQDQVLHOO UnGJLYQLQJ WLOO NRQVXPHQWHU

/DJHQ RP I|UVlNULQJVI|UPHGOLQJ

)|U I|UVlNULQJVI|UPHGODUHV YHUNVDPKHW JlOOHU L GDJ I|UVlNULQJVI|UPHG OLQJVODJHQ (Q I|UVlNULQJVI|UPHGODUH InU lJQD VLJ nW UnGJLYQLQJ GHOV LQRP UDPHQ I|U GHQ RUGLQDULH I|UVlNULQJVI|UPHGOLQJVYHUNVDPKHWHQ GHOV VRP VLGRYHUNVDPKHW NDS † RFK NDS † )|U UnGJLYQLQJ LQRP UDPHQ I|U GHQ RUGLQDULH I|UPHGOLQJVYHUNVDPKHWHQ ± GYV UnG RP RPGLVSRQHULQJDU LQRP HQ I|UVlNULQJ ± KDU GHW HQOLJW HQ PHG WLGHQ XWYHFNODG SUD[LV LQWH DQVHWWV ILQQDV QnJUD EHJUlQVQLQJDU QlU GHW JlOOHU ROLND VODJ DY WLOOJnQJDU VRP I|UPHGODUHQ InU OlPQD UnG RP Vn OlQJH UnGJLYQLQJHQ U\PV LQRP GHQ I|UPHGOLQJVYHUNVDPKHW VRP WLOOVWnQGHW DYVHU VH DYVQLWW 1lU GHW JlOOHU UnGJLYQLQJ VRP VLGRYHUNVDPKHW InU GRFN I|UPHGODUHQ HQGDVW OlPQD LQYHVWHULQJVUnG RP IRQGDQGHODU

, UnGJLYQLQJ LQRP UDPHQ I|U EnGH GHQ RUGLQDULH I|UPHGOLQJVYHUN VDPKHWHQ RFK VLGRYHUNVDPKHW VND I|UPHGODUHQ LDNWWD JRG I|UVlNULQJV I|UPHGOLQJVVHG RFK WD WLOO YDUD NXQGHQV LQWUHVVHQ NDS † )|UPHG ODUHQ VND RFNVn DQSDVVD UnGJLYQLQJHQ HIWHU NXQGHQV EHKRY RFK |QVNHPnO RFK UHNRPPHQGHUD O|VQLQJDU VRP lU OlPSOLJD I|U NXQGHQ )|UPHGODUHQ VND lYHQ DYUnGD HQ NXQG IUnQ DWW YLGWD nWJlUGHU VRP LQWH NDQ DQVHV OlPSOLJD PHG KlQV\Q WLOO NXQGHQV EHKRY HNRQRPLVND I|UKnOODQGHQ HOOHU DQGUD RPVWlQGLJKHWHU 'HW VLVWQlPQGD NUDYHW lU XWIRUPDW HIWHU I|UHELOG DY UnGJLYQLQJVODJHQ † 'HW ILQQV GRFN LQJHW XQGDQWDJ L UnGJLYQLQJV ODJHQ DYVHHQGH GH QlULQJVUlWWVOLJD EHVWlPPHOVHUQD I|U I|UVlNULQJV I|UPHGODUHV UnGJLYQLQJ LQRP GHQ RUGLQDULH YHUNVDPKHWHQ 'HW LQQHElU DWW Sn GHQQD YHUNVDPKHW VND UnGJLYQLQJVODJHQ L VLQ KHOKHW WLOOlPSDV SDUDOOHOOW PHG I|UVlNULQJVI|UPHGOLQJVODJHQ )|UVlNULQJVI|UPHGOLQJV ODJHQ LQQHKnOOHU lYHQ EHVWlPPHOVHU RP VNDGHVWnQG NDS RFK †† bYHQ GHVVD KDU XWIRUPDWV HIWHU I|UHELOG DY EHVWlPPHOVHUQD L UnGJLY QLQJVODJHQ RFK lU SDUDOOHOOW WLOOlPSOLJD PHG GHP

)|UVlNULQJVI|UPHGODUHV LQYHVWHULQJVUnGJLYQLQJ VRP VLGRYHUNVDPKHW NDS † lU GRFN VRP QlPQV RYDQ XQGDQWDJHQ IUnQ UnGJLYQLQJVODJHQV QlULQJVUlWWVOLJD EHVWlPPHOVHU )|U GHQ YHUNVDPKHWHQ JlOOHU L VWlOOHW NXQGVN\GGVEHVWlPPHOVHUQD L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ L

WLOOlPSOLJD GHODU

opaginerad UnGJLYQLQJVODJHQ JlOOHU L VDPWOLJD IDOO Kontrollera mot PDF

6DPPDQWDJHW LQQHElU GHWWD L QlULQJVUlWWVOLJW KlQVHHQGH DWW I|U HQ

I|UVlNULQJVI|UPHGODUH JlOOHU EnGH I|UVlNULQJVI|UPHGOLQJVODJHQ RFK

UnGJLYQLQJVODJHQ I|U I|UPHGODUHQV UnGJLYQLQJ LQRP UDPHQ I|U GHQ

RUGLQDULH YHUNVDPKHWHQ RFK I|U I|UPHGODUHQV LQYHVWHULQJVUnGJLYQLQJ

VRP VLGRYHUNVDPKHW JlOOHU EnGH I|UVlNULQJVI|UPHGOLQJVODJHQ RFK ODJHQ

RP YlUGHSDSSHUVPDUNQDGHQ 'H FLYLOUlWWVOLJD EHVWlPPHOVHUQD L

UnGJLYQLQJVODJHQ JlOOHU L VDPWOLJD IDOO

7LGLJDUH I|UVODJ

3URPHPRULDQ 6WlUNW NRQVXPHQWVN\GG YLG I|UVlNULQJVI|UPHGOLQJ

, SURPHPRULDQ 6WlUNW NRQVXPHQWVN\GG YLG I|UVlNULQJVI|UPHGOLQJ I|UH VOnV lQGULQJDU RFK WLOOlJJ L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ 'H I|UVODJHQ OlPQDGHV LQQDQ 0L),' ,, IRUPHOOW DQWDJLWV DY (XURSDSDUODPHQWHW RFK UnGHW RFK SXEOLFHUDWV L (XURSHLVND XQLRQHQV RIILFLHOOD WLGQLQJ (87 )|UVODJHQ XWJnU L VWlOOHW IUnQ HQ YLG GHQ WLGSXQNWHQ DY (XURSDSDUODPHQWHW RFK UnGHW DQWDJHQ |YHUHQVNRPPHOVH RP 0L),' ,, RFK DYVHU L KXYXGVDN DWW L VYHQVN UlWW JHQRPI|UD HQ lQGULQJ L I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW VH DYVQLWW 9LGDUH DYVnJV DWW NODUJ|UD JUlQVGUDJQLQJVIUnJDQ VDPW nWJlUGD YLVVD SUREOHP Sn GHQ VYHQVND I|UVlNULQJVPDUNQDGHQ

bQGULQJHQ L I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW LQQHK|OO LQWH QnJUD UHJOHU RP SURYLVLRQVEHJUlQVQLQJDU PHQ GlUHPRW HQ P|MOLJKHW I|U PHGOHPV VWDWHUQD DWW LQI|UD VnGDQD , GHQ SURPHPRULDQ ILQQV EO D HWW I|UVODJ RP DWW HQ I|UVlNULQJVI|UPHGODUH LQRP UDPHQ I|U I|UVlNULQJVI|UPHGOLQJ LQWH VND In WD HPRW RFK EHKnOOD SURYLVLRQHU HOOHU DQQDQ OLNQDQGH HUVlWWQLQJ IUnQ QnJRQ DQQDQ lQ NXQGHQ RP HUVlWWQLQJHQ NDQ PRWYHUND DWW I|UPHGODUHQ XSSI\OOHU NUDYHQ DWW WLOOYDUDWD NXQGHQV LQWUHVVHQ

nUV YlUGHSDSSHUVPDUNQDGVXWUHGQLQJ

8WUHGQLQJHQV I|UVODJ L I|U GHQQD SURPHPRULD UHOHYDQWD GHODU DYVHU GH lQGULQJDU RFK WLOOlJJ L EO D ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ I|UVlN ULQJVI|UPHGOLQJVODJHQ RFK I|UVlNULQJVU|UHOVHODJHQ VRP XWUHGQLQJHQ DQVHU I|UDQOHGGD L DQOHGQLQJ DY JHQRPI|UDQGHW L VYHQVN UlWW DY 0L),' ,, %ODQG XWUHGQLQJHQV I|UVODJ LQJnU ODJlQGULQJDU L UHVSHNWLYH U|UHOVHUHJ OHULQJDU VRP LQQHElU DWW I|UVlNULQJVI|UPHGODUH RFK I|UVlNULQJVI|UHWDJ VND I|OMD FHQWUDOD NXQGVN\GGVEHVWlPPHOVHU L ODJHQ RP YlUGHSDSSHUV PDUNQDGHQ QlU GH JHU UnG WLOO NRQVXPHQWHU RP SODFHULQJDU L ILQDQVLHOOD

LQVWUXPHQW VH DYVQLWW

7LOOlPSOLJD UHJOHU QlU I|UVlNULQJVI|UPHGODUH RFK I|UVlNULQJVI|UHWDJ WLOOKDQGDKnOOHU LQYHVWHULQJVWMlQVWHU

3URPHPRULDQV I|UVODJ %HVWlPPHOVHUQD RP LQYHVWHULQJVWMlQVWHU L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ VND WLOOlPSDV QlU I|UVlNULQJV I|UPHGODUH LQRP UDPHQ I|U VLQ RUGLQDULH YHUNVDPKHW WLOOKDQGDKnOOHU LQYHVWHULQJVWMlQVWHU VRP JlOOHU I|UVlNULQJVEDVHUDGH LQYHVWHULQJV

opaginerad SURGXNWHU RFK SHQVLRQVI|UVlNULQJDU VRP lU H[SRQHUDGH PRW Kontrollera mot PDF

SURGXNWHU RFK SHQVLRQVI|UVlNULQJDU VRP lU H[SRQHUDGH PRW

PDUNQDGVYRODWLOLWHW

)|UVlNULQJVI|UHWDJ VRP WLOOKDQGDKnOOHU LQYHVWHULQJVUnGJLYQLQJ RFK

SRUWI|OMI|UYDOWQLQJ VRP JlOOHU I|UVlNULQJVEDVHUDGH LQYHVWHULQJV

SURGXNWHU RFK SHQVLRQVI|UVlNULQJDU VRP lU H[SRQHUDGH PRW PDUNQDGV

YRODWLOLWHW VND WLOOlPSD GH EHVWlPPHOVHU L ODJHQ RP YlUGHSDSSHUV

PDUNQDGHQ VRP DQJHV L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU

PHGGHOD I|UHVNULIWHU RP YLOND nWJlUGHU HWW I|UVlNULQJVI|UHWDJ VND YLGWD

I|U DWW XSSI\OOD GH NUDY VRP I|OMHU DY EHVWlPPHOVHUQD RP

LQYHVWHULQJVWMlQVWHU

3URPHPRULDQ 6WlUNW NRQVXPHQWVN\GG YLG I|UVlNULQJVI|UPHGOLQJV 'V I|UVODJ |YHUHQVVWlPPHU L KXYXGVDN PHG SURPHPRULDQV I|UVODJ QlU GHW JlOOHU I|UVlNULQJVI|UPHGODUHV YHUNVDPKHW HQOLJW VLGRWLOOVWnQG , GHQ SURPHPRULDQ I|UHVOnV YLGDUH DWW I|UVlNULQJV I|UPHGODUHV RUGLQDULH YHUNVDPKHW VND DQVHV LQQHIDWWD DWW JH UnG WLOO NXQGHU RP SODFHULQJDU L ILQDQVLHOOD LQVWUXPHQW LQRP HQ OLYI|UVlNULQJ

5HPLVVLQVWDQVHUQD )OHUWDOHW UHPLVVLQVWDQVHU WLOOVW\UNHU I|UVODJHW HOOHU KDU LQJHW DWW LQYlQGD PRW GHW Fondbolagens förening Svenska Bankföreningen, Svenska Fondhandlareföreningen, Svensk Försäkring och Svenska försäkringsförmedlares förening LQYlQGHU PRW EHP\Q

GLJDQGHW VRP LQQHElU DWW QlUPDUH EHVWlPPHOVHU RP RWLOOnWQD HUVlWWQLQJDU VND PHGGHODV JHQRP P\QGLJKHWVI|UHVNULIWHU Fondbolagens förening

DQVHU DWW UHJOHUQD I|U I|UVlNULQJVI|UPHGODUH E|U XWIRUPDV PHU OLNW GHP L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ

8WUHGQLQJHQV I|UVODJ 628 |YHUHQVVWlPPHU GHOYLV PHG

SURPHPRULDQV I|UVODJ 8WUHGQLQJHQV I|UVODJ DYYLNHU IUnQ SURPHPRULDV

I|UVODJ JHQRP DWW HQOLJW XWUHGQLQJHQV I|UVODJ VND ODJHQ RP YlUGHSDSSHUV

PDUNQDGHQ WLOOlPSDV QlU I|UVlNULQJVI|UPHGODUH RFK I|UVlNULQJVI|UHWDJ

JHU UnG RP SODFHULQJDU L ILQDQVLHOOD LQVWUXPHQW WLOO NRQVXPHQWHU

5HPLVVLQVWDQVHUQD )OHUWDOHW UHPLVVLQVWDQVHU WLOOVW\UNHU I|UVODJHW HOOHU

KDU LQJHW DWW LQYlQGD PRW GHW Finansinspektionen LQVWlPPHU L DWW

UHJOHUQD RP LQYHVWHULQJVUnGJLYQLQJ E|U WLOOlPSDV Sn GHQ UnGJLYQLQJ RP

ILQDQVLHOOD LQVWUXPHQW VRP I|UVlNULQJVI|UHWDJ RFK I|UVlNULQJVI|UPHGODUH

lJQDU VLJ nW Konsumentverket LQVWlPPHU L DWW UHJOHUQD RP LQYHVWHULQJV

UnGJLYQLQJ L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ VND WLOOlPSDV Sn DOO

UnGJLYQLQJVYHUNVDPKHW VRP I|UVlNULQJVI|UHWDJ RFK I|UVlNULQJVI|UPHG

ODUH EHGULYHU Svensk Försäkring DQVHU DWW OLNDUWDGH EHVWlPPHOVHU L RFK

I|U VLJ E|U JlOOD GlU ULVNHQ I|U LQWUHVVHNRQIOLNWHU lU OLNDUWDG RFK OLNKHW

HUQD L YHUNVDPKHWHUQD PRWLYHUDU GHW 6DPPD UHJOHU lU GRFN HQOLJW 6YHQVN

)|UVlNULQJ HQGDVW PRWLYHUDGH L GH IDOO I|UVlNULQJVI|UHWDJV RFK I|UVlN

ULQJVI|UPHGODUHV UnGJLYQLQJ LQQHElU MXVW LQYHVWHULQJVUnGJLYQLQJ 9LGDUH

DQVHU 6YHQVN )|UVlNULQJ DWW GHW VDNQDV HQ DQDO\V L I|UKnOODQGH WLOO I|U

VODJHQV NRQVHNYHQVHU L I|UKnOODQGH WLOO EO D WMlQVWHSHQVLRQVI|UVlNULQJDU

6NlOHQ I|U SURPHPRULDQV I|UVODJ

Försäkringsförmedlares ordinarie förmedlingsverksamhet

6RP NRQVWDWHUDV L DYVQLWW LQQHElU GHW VWlOOQLQJVWDJDQGH VRP J|UV L

GHQQD SURPHPRULD QlU GHW JlOOHU JUlQVGUDJQLQJHQ PHOODQ UHJOHUQD L

opaginerad Försäkringsförmedlare som bedriver investeringsrådgivning enligt sidotillstånd Kontrollera mot PDF

I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RFK 0L),' ,, DWW ODJHQ RP YlUGHSDS SHUVPDUNQDGHQ E|U JlOOD VRP VSHFLDOODJ QlU HQ I|UVlNULQJVI|UPHGODUH WLOOKDQGDKnOOHU LQYHVWHULQJVWMlQVWHU LQRP HQ OLYI|UVlNULQJ 'HW LQQHElU VnOHGHV DWW HQ I|UVlNULQJVI|UPHGODUH VRP KXYXGUHJHO E|U YDUD HWW YlUGHSDSSHUVLQVWLWXW I|U DWW In WLOOKDQGDKnOOD VnGDQD WMlQVWHU , ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ ILQQV YLGDUH XQGDQWDJ L YLVVD DQJLYQD VLWXDWLRQHU 'HW ILQQV GlUPHG LQWH QnJRW EHKRY DY DWW LQI|UD QnJUD VlUVNLOGD UHJOHU L ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ VRP VND JlOOD I|U I|UVlNULQJVI|UPHGODUH VRP WLOOKDQGDKnOOHU VnGDQD WMlQVWHU LQRP UDPHQ I|U GHQ RUGLQDULH I|UPHGOLQJHQ HIWHUVRP VWlOOQLQJVWDJDQGH LQQHElU DWW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ JlOOHU lYHQ L GHW IDOOHW

Försäkringsförmedlare som bedriver investeringsrådgivning enligt sidotillstånd

)|UVODJHQ L GHQQD SURPHPRULD LQQHElU YLGDUH DWW QlU HQ I|UVlNULQJVI|U PHGODUH WLOOKDQGDKnOOHU LQYHVWHULQJVUnGJLYQLQJ RP IRQGDQGHODU LQRP UDPHQ I|U HQ I|UVlNULQJ HQOLJW HWW VLGRWLOOVWnQG VND ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ JlOOD L WLOOlPSOLJD GHODU 'HW VLVWQlPQGD I|OMHU DY GH I|UXWVlWWQLQJDU VRP HQOLJW I|UVODJHW VND JlOOD YLG WLOOlPSQLQJHQ DY GHW IULYLOOLJD XQGDQWDJHW L 0L),' ,, DUWLNHO RFK YDG VRP L |YULJW E|U DQVHV VRP Q|GYlQGLJW I|U DWW VlNHUVWlOOD HWW VWDUNW NXQGVN\GG 'HQ QlUPDUH RPIDWWQLQJHQ DY GH UHJOHU VRP VND WLOOlPSDV RFK VNlOHQ I|U GHW UHGRYLVDV L DYVQLWW RP I|UVlNULQJVI|UPHGODUHV VLGRYHUNVDPKHW 'HWVDPPD JlOOHU L I|UKnOODQGH WLOO EHP\QGLJDQGH RP I|UHVNULIWHU Sn GHW RPUnGHW

Försäkringsföretag som bedriver investeringsrådgivning och portföljförvaltning

(Q PRWVDWW WRONQLQJ L GHQ QX DNWXHOOD JUlQVGUDJQLQJVIUnJDQ VNXOOH NXQQD OHGD WLOO VOXWVDWVHQ DWW GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ E|U YDUD WLOOlPSOLJ lYHQ QlU I|UVlNULQJVI|UHWDJ WLOOKDQGDKnOOHU LQYHVWHULQJVWMlQVWHU 0HG EHDNWDQGH DY DWW UHJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW L K|J JUDG lU DQSDVVDGH WLOO GHQ QLYn Sn NRQVXPHQWVN\GG VRP JlOOHU HQOLJW 0L),' ,, IUDPVWnU GHW DOWHUQDWLYHW L RFK I|U VLJ LQWH VRP HQ GLUHNW ROlPSOLJ RUGQLQJ 'HW ILQQV LQWH KHOOHU VNlO DWW LQI|UD HWW NUDY Sn VlUVNLOW WLOOVWnQG I|U I|UVlNULQJVI|UHWDJ L IUnJD RP GH WMlQVWHU VRP QX DYVHV 1lU GHW JlOOHU I|UVlNULQJVI|UHWDJ InU NUDYHW Sn NRQWUROO lYHQ DQVHV YDUD WLOOJRGRVHWW JHQRP GHQ SU|YQLQJ VRP )LQDQVLQVSHNWLRQHQ J|U DY U|UHOVHQV RPIDWWQLQJ YLG lQGULQJ DY ERODJVRUGQLQJ NDS † I|UVlN ULQJVU|UHOVHODJHQ >MIU SURS V @

1lU GHW JlOOHU I|UVlNULQJVI|UHWDJHQV WLOOKDQGDKnOODQGH DY LQYHVWHULQJV WMlQVWHU EOLU DOOWVn I|OMGHQ DY VWlOOQLQJVWDJDQGHW L JUlQVGUDJQLQJVIUnJDQ DWW YDUNHQ UHJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW HOOHU L 0L),' ,, lU WLOOlPSOLJD Sn VnGDQ YHUNVDPKHW 6RP HQ NRQVHNYHQV DY GHWWD E|U LQWH KHOOHU GH EHVWlPPHOVHU L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ HOOHU L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ VRP L VYHQVN UlWW JHQRPI|U GH EnGD GLUHNWLYHQ YDUD GHW 8WDQ QnJRQ \WWHUOLJDUH UHJOHULQJ L VYHQVN UlWW L GHQ GHOHQ VNXOOH DOOWVn HQGDVW I|UVlNULQJVU|UHOVHODJHQ RFK UnGJLYQLQJVODJHQ L WLOOlPSOLJD IDOO lYHQ L IRUWVlWWQLQJHQ UHJOHUD VnGDQ YHUNVDPKHW )UnJDQ lU

VnOHGHV RP I|UVlNULQJVI|UHWDJHQV YHUNVDPKHW EHK|YHU UHJOHUDV \WWHUOLJDUH

opaginerad EHKRY DY VnGDQ \WWHUOLJDUH UHJOHULQJ Kontrollera mot PDF

L VYHQVN UlWW , GHQQD SURPHPRULD J|UV EHG|PQLQJHQ DWW GHW ILQQV HWW

EHKRY DY VnGDQ \WWHUOLJDUH UHJOHULQJ

8WJnQJVSXQNWHQ E|U QlPOLJHQ YDUD DWW OLND UHJOHU VND JlOOD I|U DOOD

LQYHVWHULQJVWMlQVWHU REHURHQGH DY RP GHW lU YlUGHSDSSHUVLQVWLWXW I|UVlN

ULQJVI|UHWDJ HOOHU I|UVlNULQJVI|UPHGODUH VRP WLOOKDQGDKnOOHU WMlQVWHUQD WLOO

NXQGHU $Y GHWWD I|OMHU HWW K|JW NXQGVN\GG RFK lYHQ NRQNXUUHQV

QHXWUDOLWHW YLONHW |YHUYlJHU GH QHJDWLYD NRQVHNYHQVHUQD L IRUP DY |NDG

UHJHOE|UGD I|U I|UVlNULQJVI|UHWDJHQ RFK GHQ NRVWQDG VRP GHW L VOXWlQGDQ

NDQ DQWDV PHGI|UD I|U NXQGHUQD

'HW LQQHElU HPHOOHUWLG LQWH DWW UHJOHUQD RP LQYHVWHULQJVUnGJLYQLQJ L

ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ VRP XWUHGQLQJHQ I|UHVOnU RFK Konsu-

mentverket DQI|U E|U WLOOlPSDV Sn DOOD UnG RP ILQDQVLHOOD LQVWUXPHQW WLOO

NRQVXPHQWHU VRP I|UVlNULQJVI|UHWDJ RFK I|UVlNULQJVI|UPHGODUH OlPQDU

(IWHUVRP XWJnQJVSXQNWHQ E|U YDUD DWW OLND UHJOHU VND JlOOD I|U OLND

WMlQVWHU E|U VWUlYDQ L VWlOOHW YDUD DWW WLOOlPSQLQJVRPUnGHQD VND YDUD GH

VDPPD REHURHQGH DY YLONHQ DNW|U VRP WLOOKDQGDKnOOHU WMlQVWHUQD *HQRP

DWW NQ\WD VN\OGLJKHWHUQD WLOO EHJUHSSHW UnG XSSQnV LQWH HQ WLOOUlFNOLJ JUDG

DY W\GOLJKHW L GHW DYVHHQGHW ,QWH KHOOHU ILQQV GHW WLOOUlFNOLJD VNlO DWW EH

JUlQVD WLOOlPSQLQJHQ WLOO DWW HQGDVW DYVH WMlQVWHU VRP WLOOKDQGDKnOOV WLOO

JUXSSHQ NRQVXPHQWHU

'HW E|U PHG DQOHGQLQJ DY GHW VRP Svensk Försäkring DQI|U SnSHNDV DWW

PHUSDUWHQ DY GH PDWHULHOOD EHVWlPPHOVHU L ODJHQ RP YlUGHSDSSHUVPDUN

QDGHQ VRP HQOLJW XWUHGQLQJHQV I|UVODJ VND WLOOlPSDV DY EO D I|UVlNULQJV

I|UHWDJ HQOLJW I|UVODJHW L GHQQD SURPHPRULD L VWlOOHW InU HQ PRWVYDULJKHW L

GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ 'HW ILQQV L RFK I|U VLJ

DQOHGQLQJ DWW LQVWlPPD L XWUHGQLQJHQV Finansinspektionens RFK

Pensionsmyndighetens EHG|PQLQJ DWW UHJOHUQD L ODJHQ RP YlUGHSDSSHUV

PDUNQDGHQ L KXYXGVDN E|U J|UDV WLOOlPSOLJD Sn GHQ UnGJLYQLQJ RP

ILQDQVLHOOD LQVWUXPHQW VRP EO D I|UVlNULQJVI|UHWDJ RFK I|UVlNULQJV

I|UPHGODUH lJQDU VLJ nW , GHVVD IDOO ILQQV GHW GRFN VNlO DWW L OLNKHW PHG

Svensk Försäkring J|UD EHG|PQLQJHQ DWW H[DNW VDPPD UHJOHU lU PRWLYH

UDGH EDUD L GH IDOO YHUNVDPKHWHQ LQQHElU DWW LQYHVWHULQJVWMlQVWHU XWI|UV

VnVRP W H[ LQYHVWHULQJVUnGJLYQLQJ 'HQ QnJRW YLGDUH RPIDWWQLQJ VRP

EO D Konsumentverket I|UHVSUnNDU VNXOOH L RFK I|U VLJ OHGD WLOO HWW K|JW

NRQVXPHQWVN\GG (Q VnGDQ RUGQLQJ VNXOOH HPHOOHUWLG LQWH Q|GYlQGLJWYLV

I|UHQNOD WLOOlPSQLQJHQ HOOHU I|UElWWUD I|UXWVlJEDUKHWHQ 'HW IUDPVWnU

L VWlOOHW VRP OlPSOLJW DWW UHJOHUD I|UVlNULQJVI|UHWDJV XWI|UDQGH DY LQYHVWH

ULQJVWMlQVWHU Sn PRWVYDUDQGH VlWW VRP XWI|UDQGH DY VnGDQD WMlQVWHU

UHJOHUDV L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ 1lU HWW I|UVlNULQJVI|UHWDJ

n DQGUD VLGDQ XWI|U VnGDQ YHUNVDPKHW VRP XWJ|U I|UVlNULQJVGLVWULEXWLRQ

E|U GHW HQOLJW I|UVODJHW L GHQQD SURPHPRULD VNH L HQOLJKHW PHG GH

EHVWlPPHOVHU L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ VRP JHQRPI|U

I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW LQQHKnOOHU GHWDOMHUDGH UHJOHU VRP VND

JlOOD I|U DOOD UnG RP I|UVlNULQJ RFK DQQDQ I|UVlNULQJVGLVWULEXWLRQ VRP

LQWH XWJ|U LQYHVWHULQJVWMlQVWHU (QOLJW I|UVODJHW L GHQQD SURPHPRULD VND

GH UHJOHUQD L KXYXGVDN JHQRPI|UDV L VYHQVN UlWW JHQRP PRWVYDUDQGH

EHVWlPPHOVHU L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ 'HW LQQHElU DWW

PDQ E|U NXQQD XWJn IUnQ GHQ GLVWLQNWLRQ VRP J|UV RYDQ L GHQ QX DNWXHOOD

JUlQVGUDJQLQJVIUnJDQ QlU PDQ DYJ|U YLOND DY NXQGVN\GGVUHJOHU L GH

DNWXHOOD ODJDUQD VRP HWW I|UVlNULQJVI|UHWDJ VND I|OMD VH DYVQLWW

opaginerad EHKRY DY VnGDQ \WWHUOLJDUH UHJOHULQJ Kontrollera mot PDF

5HJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW E|U VnOHGHV WLOOlPSDV Sn VnGDQ YHUNVDPKHW VRP XWJ|U I|UVlNULQJVGLVWULEXWLRQ PHGDQ L YLVV PnQ DQGUD UHJOHU E|U JlOOD YLG WLOOKDQGDKnOODQGH DY LQYHVWHULQJVWMlQVWHU , VDPPDQKDQJHW E|U SnSHNDV DWW RP PDQ VNXOOH LQI|UD \WWHUOLJDUH EHJUHSS W H[ ´UnG RP SODFHULQJDU L ILQDQVLHOOD LQVWUXPHQW´ HOOHU ´ILQDQVLHOO UnGJLY QLQJ´ ULVNHUDU GHW DWW I|UVYnUD HQ VnGDQ RUGQLQJ , VWlOOHW E|U GHW W\GOLJW DQJHV DWW GH EHU|UGD EHVWlPPHOVHUQD L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ JlOOHU HQGDVW QlU I|UVlNULQJVI|UHWDJ XWI|U LQYHVWHULQJVWMlQVWHU

'HW LQQHElU VDPPDQIDWWQLQJVYLV DWW GHW L GHQ Q\D ODJHQ RP I|UVlNULQJV GLVWULEXWLRQ E|U DQJHV DWW EHVWlPPHOVHUQD L ODJHQ RP YlUGHSDSSHUVPDUN QDGHQ VND WLOOlPSDV QlU I|UVlNULQJVI|UHWDJ WLOOKDQGDKnOOHU LQYHVWHULQJV WMlQVWHUQD LQYHVWHULQJVUnGJLYQLQJ RFK SRUWI|OMI|UYDOWQLQJ LQRP YLVVD W\SHU DY I|UVlNULQJDU 'H EHVWlPPHOVHUQD E|U VnOHGHV LQWH WLOOlPSDV RP HWW I|UVlNULQJVI|UHWDJ VNXOOH WLOOKDQGDKnOOD QnJRQ DQQDQ LQYHVWHULQJV WMlQVW lQ GHVVD WYn WMlQVWHU lYHQ RP GHWWD HQOLJW SURPHPRULDQV EHG|PQLQJ LQWH E|U DNWXDOLVHUDV VH DYVQLWW )UnJDQ RP KXUXYLGD GHW lU P|MOLJW I|U HWW I|UVlNULQJVI|UHWDJ DWW WLOOKDQGDKnOOD DQGUD LQYHVWHULQJVWMlQVWHU lU HPHOOHUWLG QnJRW VRP lYHQ PnVWH DYJ|UDV EO D XWLIUnQ GHW I|UEXG PRW I|UVlNULQJVIUlPPDQGH YHUNVDPKHW VRP ILQQV L I|UVlNULQJVU|UHOVHODJHQ NDS †

9LGDUH E|U GHW L GHWWD VDPPDQKDQJ QRWHUDV DWW HQGDVW HQ PLQGUH GHO DY GHQ UnGJLYQLQJ VRP I|UHNRPPHU Sn I|UVlNULQJVPDUNQDGHQ RPIDWWDU WLOOKDQGDKnOODQGH DY LQYHVWHULQJVWMlQVWHQ LQYHVWHULQJVUnGJLYQLQJ HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ 7MlQVWHSHQVLRQVRPUnGHW lU GRFN HWW YLNWLJW H[HPSHO GlU GHW I|UHNRPPHU LQYHVWHULQJVUnGJLYQLQJ VRP LQWH XWJ|U HQ REHW\GOLJ GHO DY DOO GHQ UnGJLYQLQJ VRP XWI|UV 'HW ILQQV VnOHGHV DQOHGQLQJ DWW IUDPKnOOD EHG|PQLQJHQ DWW UnGJLYQLQJ RP I|UVlNULQJ lU QnJRW DQQDW lQ LQYHVWHULQJVUnGJLYQLQJ RFK DYVHU W H[ YLONHQ I|UVlNULQJ VRP SDVVDU HQ YLVV NXQG , GH VLVWQlPQGD IDOOHQ ILQQV GHW LQWH DQOHGQLQJ DWW WLOOlPSD ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ (WW I|UVlNULQJVI|UHWDJ HOOHU HQ I|UVlNULQJVI|UPHGODUH VRP OlPQDU UnGJLYQLQJ RP WMlQVWH SHQVLRQVDYWDO E|U DOOWVn LQWH VRP XWUHGQLQJHQ WLOO YLVV GHO YHUNDU I|UHVOn RPIDWWDV DY GH UHJOHU VRP JlOOHU I|U LQYHVWHULQJVUnGJLYQLQJ HQOLJW GHQ ODJHQ 6n OlQJH UnGHQ QlU GHW JlOOHU HWW VnGDQW DYWDO LQWH DYVHU UHNRPPHQGDWLRQHU RP W H[ VSHFLILND IRQGDQGHODU E|U VnOHGHV GH UHJOHU I|U I|UVlNULQJVGLVWULEXWLRQ VRP I|UHVOnV L GHQQD SURPHPRULD WLOOlPSDV , GHW VDPPDQKDQJHW NDQ IUDPKnOODV DWW I|UVODJHW DWW lYHQ I|UVlNULQJV I|UHWDJ RFK I|UVlNULQJVI|UPHGODUH VND WLOOlPSD EHVWlPPHOVHU L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ QlU GH XWI|U LQYHVWHULQJVWMlQVWHU E|U In PDUJLQHOO EHW\GHOVH L I|UKnOODQGH WLOO PDUNQDGHQ I|U NROOHNWLYDYWDODGH WMlQVWH SHQVLRQHU )|UKnOODQGHQD Sn GHQ GHOHQ DY I|UVlNULQJVPDUNQDGHQ lU VnGDQ DWW GHQ I|UVlNUDGH WLOO VWRU GHO VMlOY YlOMHU EODQG I|UVlNULQJDU RFK IRQGDQGHODU VRP lU NRQNXUUHQVXWVDWWD EO D QlU GHW JlOOHU DYJLIWHU

'HW NDQ GRFN I|UXWVHV DWW I|UVODJHW L GHQQD SURPHPRULD NRPPHU DWW NXQQD I|UDQOHGD SUDNWLVND RFK DGPLQLVWUDWLYD VYnULJKHWHU I|U I|UVlNULQJV I|UHWDJHQ RFK I|UVlNULQJVI|UPHGODUQD 9LG HWW NXQGP|WH VRP RPIDWWDU EnGH I|UVlNULQJVGLVWULEXWLRQ RFK LQYHVWHULQJVWMlQVWHU NRPPHU VRP QlPQV RYDQ UHJHOYHUN PHG GHOYLV ROLND NUDY DWW EHK|YD EHDNWDV (Q VnGDQ NRPELQDWLRQ DY WMlQVWHU NDQ RIWD YDUD HQ I|UXWVlWWQLQJ I|U DWW

NXQGHQ VDPPDQWDJHW VND In NRPSOHWW RFK IXOOJRG UnGJLYQLQJ 'HW OLJJHU L VDNHQV QDWXU DWW RP IRQGI|UVlNULQJ YlOMV PnVWH RFNVn IRQGHU YlOMDV 9LVVD

opaginerad RP HIWHUOHYDQGHVN\GG KlOVRI|UNODULQJDU ULVNI|UVlNULQJDU RFK VMXN Kontrollera mot PDF

NXQGHU NDQ lYHQ YlOMD GHSnO|VQLQJDU I|U VLQ SHQVLRQ VRP DOOWVn NDQ

H[SRQHUDV PRW DQGUD ILQDQVLHOOD LQVWUXPHQW lQ IRQGDQGHODU bYHQ IUnJRU

RP HIWHUOHYDQGHVN\GG KlOVRI|UNODULQJDU ULVNI|UVlNULQJDU RFK VMXN

I|UVlNULQJ DNWXDOLVHUDV 6RP Svenska Fondhandlareföreningen RFK

Svenska Bankföreningen QRWHUDU VNLOMHU VLJ L VnGDQD IDOO EO D GHW VlWW Sn

YLONHW NXQGHU NDWHJRULVHUDV (QOLJW I|UVODJHW L GHQQD SURPHPRULD NRPPHU

lYHQ VWUlQJDUH UHJOHU DYVHHQGH WUHGMHSDUWVHUVlWWQLQJDU DWW JlOOD YLG GHQ

GHOHQ DY NXQGP|WHW VRP DYVHU LQYHVWHULQJVWMlQVWHU RFK GHW WRUGH GlUI|U

LEODQG NXQQD EOL VYnUW DWW KlUOHGD RP WUHGMHSDUWVHUVlWWQLQJHQ OlPQDV LQRP

I|UVlNULQJVGLVWULEXWLRQHQ HOOHU LQYHVWHULQJVWMlQVWHQ 'HWWD ERUGH L VLQ WXU

NXQQD KDQWHUDV JHQRP NUDY Sn NRQWUROO RFK GRNXPHQWDWLRQ DY GHQ

YHUNVDPKHW VRP EHGULYV VH DYVQLWW

1lPQGD VYnULJKHWHU PRWLYHUDU L YDUW IDOO LQWH DWW DQGUD UHJOHU E|U JlOOD

YLG DIIlUVPRGHOOHU VRP NRPELQHUDU I|UVlNULQJVGLVWULEXWLRQ RFK

LQYHVWHULQJVWMlQVWHU L I|UKnOODQGH WLOO GHW VRP HQOLJW I|UVODJHW L GHQQD

SURPHPRULD DQQDUV NRPPHU DWW JlOOD RP HQGDVW LQYHVWHULQJVWMlQVWHU

WLOOKDQGDKnOOV 'HW VDNQDV ElUDQGH VNlO WLOO YDUI|U GHW VNXOOH YDUD

WLOOUlFNOLJW I|U HQ I|UVlNULQJVNXQG DWW In GHO DY LQYHVWHULQJVWMlQVWHU HQOLJW

DQGUD UHJOHU lQ GH VRP JlOOHU HQOLJW UHJHOYHUNHW Sn YlUGHSDSSHUV

PDUNQDGVRPUnGHW 'H SUDNWLVND RFK DGPLQLVWUDWLYD VYnULJKHWHUQD L GHQQD

GHO VND LQWH KHOOHU |YHUGULYDV HIWHUVRP UHJOHUQD L IOHUD DYVHHQGHQ lU OLND

RFK I|UHWDJHQ WRUGH lYHQ NXQQD EHJUlQVD JUlQVGUDJQLQJVSUREOHPHQ

JHQRP DWW YlOMD WLOOlPSD GH VWUlQJDUH NUDYHQ Sn KHOD VLQ YHUNVDPKHW

9LGDUH E|U GH UHJOHU L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW VRP KDU VLQ

PRWVYDULJKHW L 0L),' ,, Vn OnQJW GHW lU P|MOLJW JHQRPI|UDV L GHQ Q\D

ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ Sn VDPPD VlWW VRP L ODJHQ RP

YlUGHSDSSHUVPDUNQDGHQ VH DYVQLWW

(Q VlUVNLOG IUnJD lU GHQ RP GH UHJOHU VRP I|UVlNULQJVI|UHWDJ HQOLJW

I|UVODJHW L GHQQD SURPHPRULDV VND I|OMD QlU GH WLOOKDQGDKnOOHU LQYHVWH

ULQJVUnGJLYQLQJ RFK SRUWI|OMI|UYDOWQLQJ E|U DQJHV L EHVWlPPHOVHU L GHQ

Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ HOOHU HQGDVW JHQRP KlQYLVQLQJDU L

GHQ ODJHQ WLOO ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ 'HW NDQ L VDPPDQ

KDQJHW QRWHUDV DWW GHW YLVVHUOLJHQ ILQQDV HWW YlUGH L DWW GH UHJOHU VRP

JlOOHU I|U I|UVlNULQJVI|UHWDJ L VLQ KHOKHW ILQQV VDPODGH L HQ HQGD ODJ 'HW

NDQ GRFN NRQVWDWHUDV DWW GHQ ODJVWLIWQLQJVWHNQLN VRP L UHJHO DQYlQGV L GHQ

QlULQJVUlWWVOLJD UHJOHULQJHQ Sn ILQDQVPDUNQDGVRPUnGHW LQQHElU DWW

KlQYLVQLQJDU DQYlQGV 3n Vn VlWW NRPPHU EO D H[DNW VDPPD EHVWlP

PHOVHU DWW JlOOD RFK HYHQWXHOOD lQGULQJDU L GH EHVWlPPHOVHU VRP DQJHV L

HQ KlQYLVQLQJ NDQ lYHQ EOL GLUHNW WLOOlPSOLJD

6DPPDQIDWWQLQJVYLV WDODU |YHUYlJDQGH VNlO I|U DWW GHQ ODJVWLIWQLQJV

WHNQLN VRP YDQOLJWYLV DQYlQGV Sn GHWWD RPUnGH E|U YlOMDV lYHQ L GHWWD

IDOO 0RW GHQ EDNJUXQGHQ XSSNRPPHU HPHOOHUWLG lYHQ IUnJDQ RP L YLONHQ

ODJ Sn I|UVlNULQJVRPUnGHW VRP KlQYLVQLQJDUQD E|U I|UDV LQ L $OWHU

QDWLYHQ L GHQQD GHO VWnU L I|UVWD KDQG PHOODQ I|UVlNULQJVU|UHOVHODJHQ RFK

GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ 'HW E|U QRWHUDV DWW I|UVlNULQJV

U|UHOVHODJHQ L EHW\GDQGH RPIDWWQLQJ DYVHU QlULQJVUlWWVOLJD UHJOHU VRP

HQGDVW LQGLUHNW DYVHU NXQGVN\GGHW 9LGDUH lU GH NXQGVN\GGVUHJOHU VRP

I|UHNRPPHU L GHQ ODJHQ DOOPlQW KnOOQD 0HG KlQV\Q WLOO GHQ XWSUlJODGH

NDUDNWlU DY NXQGVN\GGVUHJOHULQJ VRP GHQ Q\D ODJHQ RP I|UVlNULQJV

GLVWULEXWLRQ LQQHElU HQOLJW I|UVODJHW RFK DWW KlQYLVQLQJDUQD VNHU WLOO

PRWVYDUDQGH UHJOHU L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ E|U GH UHJOHU

opaginerad WLOOlPSDV DY I|UVlNULQJVI|UHWDJ Kontrollera mot PDF

VRP I|UVlNULQJVI|UHWDJ VND I|OMD VnOHGHV DQJHV L GHQ Q\D ODJHQ JHQRP KlQYLVQLQJDU WLOO ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ +lQYLVQLQJDUQD E|U GRFN LQWH RPIDWWD I|UHVNULIWHU VRP PHGGHODWV PHG VW|G DY GH EHU|UGD EHVWlPPHOVHUQD L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ ,VWlOOHW E|U UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU PHG VW|G DY GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ In PHGGHOD I|UHVNULIWHU RP YLOND nWJlUGHU HWW I|UVlNULQJVI|UHWDJ VND YLGWD I|U DWW XSSI\OOD GH NUDY VRP JlOOHU QlU GHW XWI|U LQYHVWHULQJVWMlQVWHU 'HW NDQ VNH JHQRP DWW I|UVlNULQJVI|UHWDJ L WLOOlPSOLJD GHODU LQNOXGHUDV L UHGDQ EHILQWOLJD I|UHVNULIWHU (OOHU Vn XSSUlWWDV Q\D I|UHVNULIWHU VRP EDUD LQULNWDV PRW I|UVlNULQJVI|UHWDJHQV LQYHVWHULQJVWMlQVWHU 2P I|UHVNULIWHU PHGGHODV PHG VW|G DY HWW VnGDQW VlUVNLOW EHP\QGLJDQGH E|U GHW XQGHUOlWWD HQ lQGDPnOV HQOLJ WLOOlPSQLQJ DY EHVWlPPHOVHUQD L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ I|U I|UVlNULQJVI|UHWDJ MIU NDS † RFK NDS † ODJHQ RP YlUGH SDSSHUVIRQGHU 2DYVHWW YLONHQ I|UHVNULIWVWHNQLN VRP DQYlQGV E|U I|UHVNULIWHUQD GRFN L DOOW YlVHQWOLJW PRWVYDUD GH I|UHVNULIWHU VRP PHGGHODWV PHG VW|G DY ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ PHQ lYHQ L WLOOlPSOLJD GHODU LQQHKnOOD HYHQWXHOOD UHJOHU L EO D GHQ GHOHJHUDGH I|URUGQLQJHQ WLOO 0L),' ,, VRP lU GLUHNW WLOOlPSOLJD I|U YlUGHSDSSHUV LQVWLWXW QlU GH XWI|U LQYHVWHULQJVWMlQVWHU , I|UHVNULIWHUQD E|U GHW GRFN YLG EHKRY NXQQD J|UDV VnGDQD DQSDVVQLQJDU VRP I|UDQOHGDV DY DWW GHW lU IUnJD RP DWW UHJOHU VRP lU XWIRUPDGH I|U YlUGHSDSSHUVLQVWXW VRP VND

WLOOlPSDV DY I|UVlNULQJVI|UHWDJ

Svensk Försäkring IUDPI|U DWW U|UHOVHUHJOHULQJ VRP JlOOHU I|U I|UVlN ULQJVI|UHWDJ HQOLJW 6ROYHQV ,, GLUHNWLYHW HOOHU I|U GHQ GHOHQ I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW J|U GHW ROlPSOLJW DWW LQI|UD HQ VlUUHJOHULQJ DY GHW VRP VND JlOOD QlU I|UVlNULQJVI|UHWDJ RFK I|UVlNULQJVI|UPHGODUH XWI|U LQYHVWHULQJVUnGJLYQLQJ )|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW lU HPHOOHUWLG HWW PLQLPLKDUPRQLVHULQJVGLUHNWLY 'HW LQQHElU DWW GHW LQWH ILQQV QnJRW KLQGHU PRW DWW UHJOHUD I|UVlNULQJVGLVWULEXW|UHUQDV YHUNVDPKHW L VNlUSDQGH ULNWQLQJ RFK L VYHQVN UlWW LQI|UD \WWHUOLJDUH HOOHU VWUlQJDUH NUDY 'HW lU L GHWWD IDOO lYHQ OlPSOLJW DWW Vn VNHU EO D PRW EDNJUXQG DY PnOVlWWQLQJHQ RP HQ OLNDUWDG UHJOHULQJ Sn PDUNQDGHQ I|U ILQDQVLHOO UnGJLYQLQJ )|UVODJHW L GHQQD SURPHPRULD LQQHElU DWW GHW UHJHOYHUN VRP I|UVlNULQJV I|UHWDJ VND WLOOlPSD EOLU PHU RPIDWWDQGH RFK VWUlQJDUH HQOLJW GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ LQWH DWW WLOOlPSQLQJVRPUnGHW I|U ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ XWYLGJDV 'HW I|OMHU EO D DY DWW I|UVlNULQJV I|UHWDJ LQWH EHK|YHU QnJRW VlUVNLOW WLOOVWnQG I|U DWW WLOOKDQGDKnOOD LQYHVWHULQJVWMlQVWHU ,QWH KHOOHU NRPPHU W H[ GH VDQNWLRQHU VRP HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ VND SnI|UDV YLG |YHUWUlGHOVHU DY GHQ ODJHQ DWW EOL DNWXHOOD RP HWW I|UVlNULQJVI|UHWDJ VNXOOH J|UD VLJ VN\OGLJW WLOO HQ |YHUWUlGHOVH DY EHVWlPPHOVHU L GHQ ODJHQ 'HQ YHUNVDPKHW VRP I|UVlNULQJVI|UHWDJ EHGULYHU NRPPHU VnOHGHV lYHQ L IRUWVlWWQLQJHQ DWW UHJOHUDV L I|UVlNULQJVU|UHOVHODJHQ RFK HQOLJW I|UVODJHW L GHQQD SURPHPRULD lYHQ L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

Förhållande till reglerna i rådgivningslagen

%nGH I|UVlNULQJVI|UPHGODUH VRP lU YlUGHSDSSHUVLQVWLWXW RFK I|UVlNULQJV I|UPHGODUH VRP WLOOKDQGDKnOOHU LQYHVWHULQJVUnGJLYQLQJ HQOLJW WLOOVWnQG I|U

VLGRYHUNVDPKHW lU HQOLJW JlOODQGH UlWW XQGDQWDJQD IUnQ GH QlULQJVUlWWVOLJD

opaginerad EHVWlPPHOVHUQD L UnGJLYQLQJVODJHQ D † 'HW ILQQV LQWH QnJRW VRP PRWLYHUDU HQ lQGULQJ L GHW DYVHHQGHW Kontrollera mot PDF

EHVWlPPHOVHUQD L UnGJLYQLQJVODJHQ D † 'HW ILQQV LQWH QnJRW VRP PRWLYHUDU HQ lQGULQJ L GHW DYVHHQGHW

'HQ SDUDOOHOOD UHJOHULQJ VRP UnGJLYQLQJVODJHQ lYHQ L IRUWVlWWQLQJHQ L YLVV PnQ NRPPHU DWW LQQHElUD I|U I|UVlNULQJVI|UPHGODUHV RFK I|UVlN ULQJVI|UHWDJV UnGJLYQLQJ DYVHHQGH YLVVD I|UVlNULQJDU I|UXWVHV HPHOOHUWLG LQWH OHGD WLOO QnJUD QlPQYlUGD SUREOHP 'H NUDY VRP DQJHV L GH I|UKnOODQGHYLV DOOPlQW KnOOQD QlULQJVUlWWVOLJD UHJOHU VRP ILQQV L UnGJLYQLQJVODJHQ E|U DQVHV YDUD XSSI\OOGD RP HWW I|UVlNULQJVI|UHWDJ I|OMHU GH PHU GHWDOMHUDGH EHVWlPPHOVHUQD L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ RFK GH UHJOHU VRP KlQYLVDU WLOO EHVWlPPHOVHU L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ 'HWVDPPD E|U JlOOD L I|UKnOODQGH WLOO I|UVlNULQJVI|UPHGODUQDV I|UVlNULQJVGLVWULEXWLRQ YLG VLGDQ DY HYHQWXHOOW VLGRWLOOVWnQG (Q DQQDQ VDN lU DWW UnGJLYQLQJVODJHQV FLYLOUlWWVOLJD UHJOHULQJ NDQ KD HWW GHOYLV DQQDW LQQHKnOO RFK E|U JHV HQ DQQDQ WRONQLQJ lQ GHQ VRP HQOLJW I|UVODJHW L GHQQD SURPHPRULD VND JlOOD HQOLJW GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ (Q DQOHGQLQJ WLOO GHW lU UnGJLYQLQJV ODJHQV NDUDNWlU DY XWSUlJODG NRQVXPHQWVN\GGVODJVWLIWQLQJ .XQGHQV EHIRJDGH XSSIDWWQLQJ RP NDUDNWlUHQ DY GHQ WMlQVW VRP WLOOKDQGDKnOOV NDQ W H[ JHV HQ DQQDQ EHW\GHOVH L GHW VDPPDQKDQJHW 'HW E|U GlUHPRW YDUD XWHVOXWHW L EHG|PQLQJHQ DY GHW WLOOVWnQGVSOLNWLJD RPUnGHW HQOLJW GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ 0RW GHQ EDNJUXQGHQ ILQQV GHW DQOHGQLQJ DWW J|UD EHG|PQLQJHQ DWW I|UVODJHW L GHQQD SURPHPRULD LQWH PHGI|U QnJRW EHKRY DY lQGULQJDU L UnGJLYQLQJVODJHQ 'HWWD JlOOHU lYHQ L I|UKnOODQGH WLOO GH I|UVODJ WLOO lQGULQJDU VRP I|UHVOnV L UnGJLYQLQJVODJHQV VNDGHVWnQGVEHVWlPPHOVH HQOLJW SURPHPRULDQ 6NDGHVWnQGHWV EHVWlPPDQGH YLG ILQDQVLHOO UnGJLYQLQJ 'V

7LOOVWnQG RFK UHJLVWUHULQJ

)|UVlNULQJVI|UPHGOLQJ

7LOOVWnQGV RFK UHJLVWUHULQJVSOLNW

3URPHPRULDQV I|UVODJ %HVWlPPHOVHUQD RP WLOOVWnQGV RFK UHJLVWUH ULQJVSOLNW I|U I|UVlNULQJVI|UPHGODUH L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ I|UV |YHU L KXYXGVDN RI|UlQGUDGH WLOO GHQ Q\D ODJHQ RP I|UVlN ULQJVGLVWULEXWLRQ

, GHQ Q\D ODJHQ WDV GHW LQ HQ EHVWlPPHOVH RP DWW )LQDQVLQVSHNWLRQHQ LQRP WUH PnQDGHU IUnQ GHW DWW HQ IXOOVWlQGLJ DQV|NDQ RP WLOOVWnQG KDU OlPQDWV LQ VND XQGHUUlWWD I|UVlNULQJVI|UPHGODUHQ RP VLWW EHVOXW L WLOOVWnQGVIUnJDQ

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU PHGGHOD I|UHVNULIWHU RP YDG HQ DQV|NDQ RP WLOOVWnQG RFK HQ DQPlODQ RP UHJLVWUHULQJ VND LQQHKnOOD

opaginerad 6NlOHQ I|U SURPHPRULDQV I|UVODJ Kontrollera mot PDF

6NlOHQ I|U SURPHPRULDQV I|UVODJ

Gällande rätt

)|UVlNULQJVI|UPHGOLQJ InU HQOLJW KXYXGUHJHOQ L ODJHQ RP I|UVlNULQJV I|UPHGOLQJ XW|YDV EDUD HIWHU WLOOVWnQG DY )LQDQVLQVSHNWLRQHQ 7LOOVWnQG InU JHV WLOO HQ VYHQVN I\VLVN HOOHU MXULGLVN SHUVRQ NDS † I|UVWD VW\FNHW 7LOOVWnQGHW NDQ RPIDWWD DOOD VODJ DY I|UVlNULQJDU PHQ GHW NDQ lYHQ EHJUlQVDV WLOO NDWHJRULHUQD OLYI|UVlNULQJ HOOHU VNDGHI|UVlNULQJ HOOHU WLOO DWW DYVH HQ HOOHU IOHUD V N I|UVlNULQJVNODVVHU HOOHU JUXSSHU DY I|UVlNULQJV NODVVHU NDS † 'HQ VRP KDU InWW WLOOVWnQG VND UHJLVWUHUDV KRV %RODJVYHUNHW NDS † I|UVWD VW\FNHW (Q I|UVlNULQJVI|UPHGODUH InU LQWH SnE|UMD VLQ YHUNVDPKHW I|UUlQ UHJLVWUHULQJ KDU VNHWW NDS † WUHGMH VW\FNHW )|U QlUYDUDQGH KDU GU\JW VYHQVND I\VLVND RFK MXULGLVND SHUVRQHU WLOOVWnQG DY )LQDQVLQVSHNWLRQHQ I|U I|UVlNULQJVI|UPHGOLQJ XSSJLIW IUnQ %RODJVYHUNHW L PDUV

)|U DQNQXWQD I|UVlNULQJVI|UPHGODUH JlOOHU LQWH NUDYHW Sn WLOOVWnQG , VWlOOHW VND GHW I|UVlNULQJVI|UHWDJ PHG YLONHW I|UPHGODUHQ KDU LQJnWW DYWDO RP I|UVlNULQJVI|UPHGOLQJ DQPlOD I|UPHGODUHQ I|U UHJLVWUHULQJ KRV %RODJVYHUNHW NDS † )|UVlNULQJVI|UHWDJHW InU EDUD DQPlOD VnGDQD I|UPHGODUH VRP XSSI\OOHU GH NUDY VRP VWlOOV I|U WLOOVWnQG WLOO I|UVlNULQJV I|UPHGOLQJ , DQPlODQ VND ± PHG GH EHJUlQVQLQJDU VRP JlOOHU I|U WLOOVWnQGVSOLNWLJ YHUNVDPKHW ± RPIDWWQLQJHQ DY I|UPHGOLQJVYHUNVDPKHWHQ DQJHV ,QWH KHOOHU HQ DQNQXWHQ I|UVlNULQJVI|UPHGODUH InU SnE|UMD VLQ YHUNVDPKHW I|UUlQ UHJLVWUHULQJ KDU VNHWW )|U QlUYDUDQGH ILQQV NQDSSW DQNQXWQD I|UVlNULQJVI|UPHGODUH L %RODJVYHUNHWV UHJLVWHU XSSJLIW IUnQ %RODJVYHUNHW L PDUV 'HW U|U VLJ EO D RP HWW VWRUW DQWDO EDQNHU RFK ELOnWHUI|UVlOMDUH 0DMRULWHWHQ DY GH DQNQXWQD I|UVlNULQJVI|UPHGODUQD lU UHJLVWUHUDGH LQRP QnJRQ VNDGHI|UVlNULQJVNODVV

$QVWlOOGD KRV I|UVlNULQJVI|UPHGODUH VRP lU MXULGLVND SHUVRQHU lU LQWH VN\OGLJD DWW KD WLOOVWnQG HOOHU YDUD UHJLVWUHUDGH YDUH VLJ GHQ MXULGLVND SHUVRQHQ lU HQ DQNQXWHQ HOOHU LFNH DQNQXWHQ I|UPHGODUH (QOLJW )LQDQV LQVSHNWLRQHQV I|UHWDJVUHJLVWHU KDU GH WLOOVWnQGVSOLNWLJD I|UVlNULQJVI|U PHGODUQD I|U QlUYDUDQGH NQDSSW DQVWlOOGD VRP I|UPHGODU I|UVlN ULQJDU XSSJLIW IUnQ )LQDQVLQVSHNWLRQHQV LQVWLWXWVUHJLVWHU L PDUV 'HW LQQHElU DWW PnQJD DY I|UVlNULQJVI|UPHGODUQD HQGDVW KDU HWW InWDO DQVWlOOGD HOOHU VDNQDU DQVWlOOGD GYV XW|YDU YHUNVDPKHWHQ VMlOYD

/DJHQ RP I|UVlNULQJVI|UPHGOLQJ LQQHKnOOHU HQ GHILQLWLRQ DY XWWU\FNHW DQNQXWHQ I|UVlNULQJVI|UPHGODUH 0HG HQ VnGDQ I|UPHGODUH DYVHV HQ VYHQVN I\VLVN HOOHU MXULGLVN SHUVRQ VRP KDU WUlIIDW DYWDO PHG HWW HOOHU IOHUD I|UVlNULQJVI|UHWDJ RP DWW I|UPHGOD I|UVlNULQJVSURGXNWHU RP GHVVD SURGXNWHU LQWH NRQNXUUHUDU PHG YDUDQGUD RFK DYWDOHW LQQHElU DWW I|UVlNULQJVI|UHWDJHW lU DQVYDULJW I|U UHQ I|UP|JHQKHWVVNDGD VRP GUDEEDU HQ NXQG HQ I|UVlNULQJVJLYDUH HOOHU QnJRQ VRP KlUOHGHU VLQ UlWW IUnQ NXQGHQ NDS † D 6RP DQNQXWHQ I|UVlNULQJVI|UPHGODUH DYVHV lYHQ GHQ VRP XW|YDU I|UVlNULQJVI|UPHGOLQJ YLG VLGDQ DY VLQ KXYXG VDNOLJD \UNHVYHUNVDPKHW RFK VRP KDU WUlIIDW DYWDO PHG HWW HOOHU IOHUD I|UVlNULQJVI|UHWDJ RP DWW I|UPHGOD I|UVlNULQJVSURGXNWHU 'HWWD JlOOHU XQGHU I|UXWVlWWQLQJ DWW I|UVlNULQJVSURGXNWHUQD XWJ|U HWW NRPSOHPHQW WLOO YDURU VRP OHYHUHUDV HOOHU WMlQVWHU VRP WLOOKDQGDKnOOV LQRP UDPHQ I|U

GHQQD KXYXGVDNOLJD \UNHVYHUNVDPKHW RFK DYWDOHW LQQHElU DWW I|UVlNULQJV

opaginerad † E Kontrollera mot PDF

I|UHWDJHW lU DQVYDULJW I|U UHQ I|UP|JHQKHWVVNDGD VRP GUDEEDU HQ NXQG

HQ I|UVlNULQJVJLYDUH HOOHU QnJRQ VRP KlUOHGHU VLQ UlWW IUnQ NXQGHQ NDS

† E

Försäkringsdistributionsdirektivet

(QOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW NDQ HQ I|UVlNULQJVI|UPHGODUH

YDUD VnYlO HQ I\VLVN VRP MXULGLVN SHUVRQ , GLUHNWLYHW DUWLNHO EHKDQGODV

IUnJDQ RP UHJLVWUHULQJ DY I|UVlNULQJVI|UPHGODUH RFK I|UVlNULQJVI|UPHG

ODUH VRP EHGULYHU I|UPHGOLQJ VRP VLGRYHUNVDPKHW GlU GHW EO D DQJHV DWW

HQ I|UPHGODUH VND UHJLVWUHUDV L VLQ KHPPHGOHPVVWDW DY HQ EHK|ULJ

P\QGLJKHW , GLUHNWLYHW ILQQV UHJOHU RP EHK|ULJD P\QGLJKHWHU DUWLNHO

)|UVlNULQJVI|UHWDJ RFK GHUDV DQVWlOOGD RPIDWWDV LQWH DY GLUHNWLYHWV

NUDY Sn UHJLVWUHULQJ DUWLNHO DQGUD VW\FNHW

1lU GHW JlOOHU MXULGLVND SHUVRQHU lU GHW GHQ MXULGLVND SHUVRQHQ VRP VND

UHJLVWUHUDV , GLUHNWLYHW DQJHV DWW NUDYHW Sn UHJLVWUHULQJ LQWH EHK|YHU

WLOOlPSDV Sn DOOD I\VLVND SHUVRQHU VRP DUEHWDU KRV HQ I|UVlNULQJV

I|UPHGODUH HOOHU I|UVlNULQJVI|UPHGODUH VRP EHGULYHU I|UPHGOLQJ VRP

VLGRYHUNVDPKHW RFK VRP XW|YDU I|UVlNULQJVGLVWULEXWLRQ DUWLNHO

VMXQGH VW\FNHW 'lUHPRW VND L UHJLVWUHW DQJHV QDPQHQ Sn GH I\VLVND

SHUVRQHU L OHGQLQJHQ YLG I|UVlNULQJVGLVWULEXW|UHQ VRP DQVYDUDU I|U

I|UVlNULQJVGLVWULEXWLRQHQ DUWLNHO nWWRQGH VW\FNHW

'LUHNWLYHW |SSQDU HQ P|MOLJKHW I|U PHGOHPVVWDWHUQD DWW I|UHVNULYD DWW

I|UVlNULQJVI|UHWDJ I|UPHGODUH RFK DQGUD RUJDQ InU VDPDUEHWD PHG GH

EHK|ULJD P\QGLJKHWHUQD YLG UHJLVWUHULQJ DY I|UVlNULQJVI|UPHGODUH

I|UVlNULQJVI|UPHGODUH VRP EHGULYHU I|UPHGOLQJ VRP VLGRYHUNVDPKHW RFK

YLG WLOOlPSQLQJ DY GH \UNHVNUDY RFK NUDY Sn RUJDQLVDWLRQ VRP JlOOHU

HQOLJW GLUHNWLYHW DUWLNHO WUHGMH VW\FNHW , V\QQHUKHW InU I|UVlNULQJV

I|UPHGODUH RFK I|UVlNULQJVI|UPHGODUH VRP EHGULYHU I|UPHGOLQJ VRP

VLGRYHUNVDPKHW UHJLVWUHUDV DY HWW I|UVlNULQJVI|UHWDJ HQ I|UVlNULQJV

I|UPHGODUH HOOHU DY HQ VDPPDQVOXWQLQJ DY I|UVlNULQJVI|UHWDJ HOOHU

I|UVlNULQJVI|UPHGODUH VRP VWnU XQGHU WLOOV\Q DY HQ EHK|ULJ P\QGLJKHW

DUWLNHO IMlUGH VW\FNHW

(Q I|UVlNULQJVI|UPHGODUH HOOHU HQ I|UVlNULQJVI|UPHGODUH VRP EHGULYHU

I|UPHGOLQJ VRP VLGRYHUNVDPKHW InU DJHUD Sn HWW I|UVlNULQJVI|UHWDJV HOOHU

Sn HQ DQQDQ I|UPHGODUHV DQVYDU DUWLNHO IHPWH VW\FNHW , VnGDQW IDOO

InU PHGOHPVVWDWHQ I|UHVNULYD DWW I|UVlNULQJVI|UHWDJHW HOOHU GHQ DQGUD I|U

PHGODUHQ VND DQVYDUD I|U DWW I|UVlNULQJVI|UPHGODUHQ HOOHU I|UVlNULQJV

I|UPHGODUHQ VRP EHGULYHU I|UPHGOLQJ VRP VLGRYHUNVDPKHW XSSI\OOHU

YLOONRUHQ I|U UHJLVWUHULQJ 0HGOHPVVWDWHUQD InU lYHQ I|UHVNULYD DWW

I|UVlNULQJVI|UHWDJHW HOOHU GHQ DQGUD I|UPHGODUHQ UHJLVWUHUDU GHQ VRP

DJHUDU Sn GHVV DQVYDU DUWLNHO VMlWWH VW\FNHW

Genomförande i svensk rätt

(QOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ lU GHW HQ I|UXWVlWWQLQJ I|U DWW In

XW|YD I|UVlNULQJVI|UPHGOLQJ DWW I|UVlNULQJVI|UPHGODUHQ lU UHJLVWUHUDG

(IWHUVRP GHW L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW VWlOOV XSS PRWVYDUDQGH

NUDY E|U GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ LQQHKnOOD EHVWlP

PHOVHU RP WLOOVWnQGV RFK UHJLVWUHULQJVSOLNW I|U GHQ VRP VND GLVWULEXHUD

I|UVlNULQJDU , VDPPDQKDQJHW E|U QlPQDV GHW NUDY L GLUHNWLYHW RP DWW

PHGOHPVVWDWHUQD VND VH WLOO DWW DQV|NQLQJDU IUnQ I|UPHGODUH RP

opaginerad 9LOND E|U RPIDWWDV DY WLOOVWnQGV RFK UHJLVWUHULQJVSOLNWHQ" Kontrollera mot PDF

UHJLVWUHULQJ EHKDQGODV LQRP WUH PnQDGHU IUnQ GHW DWW HQ IXOOVWlQGLJ DQV|NDQ OlPQDWV LQ DUWLNHO (Q PRWVYDUDQGH EHVWlPPHOVH E|U WDV LQ L GHQ Q\D ODJHQ

)|U DWW NXQQD EOL UHJLVWUHUDG PnVWH HWW DQWDO ROLND NUDY YDUD XSSI\OOGD )|UXWVlWWQLQJDUQD I|U WLOOVWnQG RFK UHJLVWUHULQJ EHKDQGODV L DYVQLWW , I|OMDQGH DYVQLWW EHKDQGODV GH PHU |YHUJULSDQGH IUnJRUQD RP WLOOVWnQGV RFK UHJLVWUHULQJVSOLNWHQV RPIDWWQLQJ RFK XWIRUPQLQJ

, I|URUGQLQJHQ RP I|UVlNULQJVI|UPHGOLQJ ILQQV EHVWlP PHOVHU RP DQV|NDQ RP WLOOVWnQG RFK DQPlODQ I|U UHJLVWUHULQJ NDS 5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU E|U lYHQ In PHGGHOD I|UHVNULIWHU RP YDG HQ DQV|NDQ RP WLOOVWnQG RFK HQ DQPlODQ RP UHJLVWUHULQJ HQOLJW GHQ I|UHVODJQD ODJHQ VND LQQHKnOOD 3n Vn VlWW JHQRPI|UV lYHQ UHJOHUQD L GLUHNWLYHW RP YLVVD XSSJLIWHU VRP VND OlPQDV LQ YLG DQV|NDQ RP WLOOVWnQG HOOHU DQPlODQ RP UHJLVWUHULQJ DUWLNHO

9LOND E|U RPIDWWDV DY WLOOVWnQGV RFK UHJLVWUHULQJVSOLNWHQ"

3URPHPRULDQV I|UVODJ $QVWlOOGD KRV I|UVlNULQJVI|UPHGODUH VRP lU MXULGLVND SHUVRQHU VND LQWH RPIDWWDV DY WLOOVWnQGV RFK UHJLVWUHULQJV SOLNW 'HWVDPPD VND JlOOD I|U I|UVlNULQJVI|UHWDJ RFK GHUDV DQVWlOOGD

6NlOHQ I|U SURPHPRULDQV I|UVODJ (QOLJW I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW DUWLNHO RFK VND DOOD I\VLVND SHUVRQHU VRP lU DQVWlOOGD KRV HWW I|UVlNULQJVI|UHWDJ HOOHU HQ I|UVlNULQJVI|UPHGODUH VRP EHGULYHU I|UVlNULQJVGLVWULEXWLRQ RFK VRP GLUHNW GHOWDU L I|UVlNULQJV GLVWULEXWLRQ XSSI\OOD \UNHVNUDYHQ 'lUXW|YHU VND GH XSSI\OOD NUDYHW Sn JRG YDQGHO DUWLNHO )UnJDQ JlOOHU QX RP GHW PRW EDNJUXQG DY GHVVD LQGLYLGXHOOW LQULNWDGH NUDY lU OlPSOLJW DWW WLOOVWnQGV RFK UHJLVWUHULQJV VN\OGLJKHWHQ LQWH EDUD VND JlOOD I|U GH MXULGLVND SHUVRQHUQD XWDQ RFNVn I|U GH DQVWlOOGD KRV GH MXULGLVND SHUVRQHUQD VRP GLUHNW GHOWDU L I|UVlNULQJVGLVWULEXWLRQHQ 'HW IUlPVWD V\IWHW PHG HQ UHJLVWUHULQJ lYHQ DY GH DQVWlOOGD lU DWW GHW YLG WLOOVWnQGV RFK UHJLVWUHULQJVWLOOIlOOHW NDQ J|UDV HQ SU|YQLQJ DY GHUDV \UNHVNYDOLILNDWLRQHU RFK YDQGHO RFK DWW )LQDQV LQVSHNWLRQHQ L HWW VHQDUH VNHGH JHV P|MOLJKHWHU DWW LQJULSD GLUHNW PRW HQ HQVNLOG DQVWlOOG VRP YLVDU VLJ ROlPSOLJ HOOHU VRP LQWH OlQJUH XSSI\OOHU I|UXWVlWWQLQJDUQD I|U UHJLVWUHULQJ

9LG LQI|UDQGHW DY ODJHQ RP I|UVlNULQJVI|UPHGOLQJ YDU HQ UDG UHPLVV LQVWDQVHU DY XSSIDWWQLQJHQ DWW QDFNGHODUQD PHG HWW VnGDQW V\VWHP L IRUP DY |NDG DGPLQLVWUDWLRQ YDU VW|UUH lQ I|UGHODUQD RFK )LQDQVLQVSHNWLRQHQ DQVnJ DWW GHW XU WLOOV\QVV\QSXQNW LQWH YDU PRWLYHUDW PHG HQ Vn OnQJW JnHQGH UHJLVWUHULQJVVN\OGLJKHW 0RW EDNJUXQG DY GHW )LQDQVLQVSHNWLRQHQ DQI|UW NDQ HQ UHJLVWUHULQJVVN\OGLJKHW I|U DQVWlOOGD KRV HQ MXULGLVN SHUVRQ LQWH PRWLYHUDV PHG KlQYLVQLQJ WLOO EHKRYHW DY HQ HIIHNWLY WLOOV\Q

(Q QRJJUDQQ I|UKDQGVSU|YQLQJ DY DOOD I\VLVND SHUVRQHU VRP VND

GLVWULEXHUD I|UVlNULQJDU PnVWH GRFN VNH Sn JUXQG DY GH LQGLYLGXHOOW LQULNWDGH \UNHVNUDYHQ L GLUHNWLYHW RP I|UVlNULQJVGLVWULEXWLRQ (WW VlWW DWW VlNHUVWlOOD DWW HQ VnGDQ I|UKDQGVSU|YQLQJ YHUNOLJHQ NRPPHU WLOO VWnQG lU DWW NUlYD LQGLYLGXHOO UHJLVWUHULQJ (IWHUVRP HWW VnGDQW V\VWHP HPHOOHUWLG

PHGI|U VlUVNLOGD NRVWQDGHU RFK PHUDUEHWH ILQQV GHW DQOHGQLQJ DWW

opaginerad %HK|ULJD P\QGLJKHWHU I|U WLOOVWnQGVJLYQLQJ RFK UHJLVWUHULQJ Kontrollera mot PDF

|YHUYlJD RP GHQ Q|GYlQGLJD NRQWUROOHQ DY GH DQVWlOOGD NDQ VlNHUVWlOODV Sn HWW PHU NRVWQDGVHIIHNWLYW VlWW 6RP UHGRYLVDV L DYVQLWW lU NRVWQDGVIUnJRUQD DY VlUVNLOG EHW\GHOVH PRW EDNJUXQG DY GHW VWRUD DQWDO SHUVRQHU VRP VNXOOH RPIDWWDV DY UHJOHULQJHQ

, OLNKHW PHG GHW VRP JlOOHU Sn ILQDQVPDUNQDGVRPUnGHW L |YULJW lU GHQ QDWXUOLJD XWJnQJVSXQNWHQ DWW GHW lU GHQ MXULGLVND SHUVRQHQ VRP DQVYDUDU I|U DWW GH DQVWlOOGD XSSI\OOHU GH \UNHVNUDY VRP JlOOHU I|U YHUNVDPKHWHQ $WW HQ MXULGLVN SHUVRQ VRP lU I|UVlNULQJVI|UPHGODUH IXOOJMRUW HQ VnGDQ Q|GYlQGLJ JUDQVNQLQJ DY VLQD DQVWlOOGD NDQ OlPSOLJHQ NRQWUROOHUDV L VDPEDQG PHG SU|YQLQJHQ DY DQV|NDQ RP WLOOVWnQG I|U GHQQD 'HQ O|SDQGH NRQWUROOHQ DY GH DQVWlOOGD HIWHU UHJLVWUHULQJHQ NDQ KDQWHUDV Sn HWW VlNHUW RFK HIIHNWLYW VlWW LQRP UDPHQ I|U WLOOV\QHQ |YHU GHQ MXULGLVND SHUVRQHQ $WW )LQDQVLQVSHNWLRQHQ VND LQJULSD PRW GHQ MXULGLVND SHUVRQHQ QlU HQ DQVWlOOG I|UVlNULQJVI|UPHGODUH YLVDU VLJ ROlPSOLJ VRP I|UPHGODUH InU PRW EDNJUXQG DY GHQ XW|NDGH OlPSOLJKHWVSU|YQLQJHQ RFK GlUPHG VDPPDQKlQJDQGH nWJlUGHU VRP I|UHVOnV L GHQQD SURPHPRULD DQVHV WLOOUlFNOLJW 'HW ILQQV GlUI|U LQWH DQOHGQLQJ DWW J|UD QnJRQ DQQDQ EHG|P QLQJ lQ GHQ VRP JMRUGHV L I|UDUEHWHQD WLOO ODJHQ RP I|UVlNULQJV I|UPHGOLQJ SURS V ± 'H I|UGHODU PHG UHJLVWUHULQJ DY DOOD I\VLVND SHUVRQHU VRP EHGULYHU I|UVlNULQJVI|UPHGOLQJ NDQ VnOHGHV LQWH DQVHV XSSYlJD GH QDFNGHODU L IRUP DY |NDG DGPLQLVWUDWLRQ VRP WLOONRPPHU PHG HWW VnGDQW UHJLVWUHULQJVNUDY $QVWlOOGD KRV I|UVlNULQJV I|UPHGODUH VRP lU MXULGLVND SHUVRQHU HOOHU DQVWlOOGD KRV I|UVlNULQJV I|UHWDJ E|U GlUI|U LQWH RPIDWWDV DY WLOOVWnQGV RFK UHJLVWUHULQJV VN\OGLJKHWHQ 'HW E|U GRFN ± VlUVNLOW PRW EDNJUXQG DY LQQHKnOOHW L GLUHNWLYHW RP I|UVlNULQJVGLVWULEXWLRQ ± DY ODJVWLIWQLQJHQ W\GOLJW IUDPJn DWW GHQ MXULGLVND SHUVRQHQ lU VN\OGLJ DWW NRQWUROOHUD DWW DOOD DQVWlOOGD VRP GLUHNW GHOWDU L I|UVlNULQJVGLVWULEXWLRQ XSSI\OOHU GH JlOODQGH \UNHVNUDYHQ

%HKRYHW DY DWW XU VnYlO NXQGVN\GGV VRP WLOOV\QVSHUVSHNWLY VRP NXQG HOOHU DQQDQ Sn HWW HQNHOW RFK WLOOI|UOLWOLJW VlWW NXQQD In EHNUlIWDW DWW HQ HQVNLOG DQVWlOOG KRV HQ MXULGLVN SHUVRQ KDU GHQ NXQVNDS RFK NRPSHWHQV VRP NUlYV I|U GHQ DNWXHOOD YHUNVDPKHWHQ E|U WLOOJRGRVHV JHQRP YHUNVWlOOLJKHWVI|UHVNULIWHU , VDPPDQKDQJHW E|U IUDPKnOODV DWW GHW L GLUHNWLYHW ILQQV HWW NUDY RP DWW GHW VND ILQQDV HWW HQGD LQIRUPDWLRQVVWlOOH I|U UHJLVWUHULQJVXSSJLIWHU RP I|UVlNULQJVI|UPHGODUH DUWLNHO 9LG XWIRUPQLQJHQ DY HWW VnGDQW V\VWHP E|U QDWXUOLJWYLV GH DQVWlOOGDV EHUlWWLJDGH EHKRY DY LQWHJULWHW EHDNWDV Vn OnQJW GHW lU P|MOLJW

)|UVlNULQJVI|UHWDJ RFK GHUDV DQVWlOOGD EHK|YHU LQWH UHJLVWUHUD VLJ HQOLJW GLUHNWLYHW DUWLNHO DQGUD VW\FNHW )|UVlNULQJVI|UHWDJ RPIDWWDV UHGDQ DY WLOOVWnQGVSOLNW HQOLJW I|UVlNULQJVU|UHOVHODJHQ 'HW VDNQDV VNlO DWW Jn OlQJUH lQ GLUHNWLYHW L GHWWD DYVHHQGH

%HK|ULJD P\QGLJKHWHU I|U WLOOVWnQGVJLYQLQJ RFK UHJLVWUHULQJ

3URPHPRULDQV I|UVODJ )LQDQVLQVSHNWLRQHQ VND YDUD EHK|ULJ P\Q GLJKHW PHG DQVYDU I|U WLOOVWnQGVJLYQLQJ RFK %RODJVYHUNHW VND YDUD UHJLVWUHULQJVP\QGLJKHW lYHQ HQOLJW GHQ Q\D ODJHQ RP I|UVlNULQJV GLVWULEXWLRQ

opaginerad 6LGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH Kontrollera mot PDF

6NlOHQ I|U SURPHPRULDQV I|UVODJ )|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

RPIDWWDU IOHU DNW|UHU Sn PDUNQDGHQ lQ I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW 'HW lU VYnUW DWW XSSVNDWWD KXU PnQJD IOHU 6RP IUDPJnU L DYVQLWW VND LQWH DOOD VRP GLVWULEXHUDU I|UVlNULQJDU UHJLVWUHUDV .UDYHW Sn UHJLVWUHULQJ VND LQWH JlOOD DQVWlOOGD KRV I|UVlNULQJVI|UHWDJ RFK KRV I|UVlNULQJV I|UPHGODUH VRP lU MXULGLVND SHUVRQHU $WW GH DQVWlOOGD VRP GLUHNW GHOWDU L I|UVlNULQJVGLVWULEXWLRQ DOOWVn lYHQ LQEHJULSHW DQVWlOOGD KRV I|UVlNULQJV I|UHWDJ XSSI\OOHU \UNHVNUDYHQ RFK NUDYHW Sn JRG YDQGHO VND GRFN NRQWUROOHUDV DY I|UVlNULQJVI|UHWDJHW HOOHU I|UVlNULQJVI|UPHGODUHQ VH QHGDQ L DYVQLWW RP I|UXWVlWWQLQJDU I|U WLOOVWnQG 'HVVD RPVWlQGOLJ KHWHU PHGI|U VDPPDQWDJHW HQ |NDG DGPLQLVWUDWLY E|UGD RFK GHW lU GlUI|U YLNWLJW DWW ILQQD UHVXUVHIIHNWLYD O|VQLQJDU Sn UHJLVWUHULQJVIUnJDQ 'LUHN WLYHW JHU XWU\PPH I|U ROLND O|VQLQJDU 8WJnQJVSXQNWHQ E|U YDUD DWW DQVYDUHW I|U UHJLVWUHULQJ RFK NRQWUROO LQI|U UHJLVWUHULQJ OlJJV Sn UHGDQ EHILQWOLJD P\QGLJKHWHU

)LQDQVLQVSHNWLRQHQ DQVYDUDU L GDJ I|U WLOOVWnQGVJLYQLQJ RFK GlUPHG NRQWUROOHQ LQI|U UHJLVWUHULQJ DY I|UVlNULQJVI|UPHGODUH (Q QDWXUOLJ XWJnQJVSXQNW lU GlUI|U DWW LQVSHNWLRQHQ lYHQ IRUWVlWWQLQJVYLV nOlJJV GHWWD DQVYDU )|U HQ VnGDQ O|VQLQJ WDODU lYHQ GHQ RPVWlQGLJKHWHQ DWW )LQDQV LQVSHNWLRQHQ UHGDQ KDU GHQ NRPSHWHQV VRP NUlYV I|U DWW JHQRPI|UD GHQQD W\S DY NRQWUROOHU 6MlOYD UHJLVWUHULQJHQ E|U HPHOOHUWLG L HQOLJKHW PHG UnGDQGH RUGQLQJ VN|WDV DY %RODJVYHUNHW %RODJVYHUNHW KDU WLOO KXYXGXSSJLIW DWW KDQGOlJJD IUnJRU RP UHJLVWUHULQJ DY I|UHWDJ VH SURS , I|UDUEHWHQD WLOO ODJHQ RP I|UVlNULQJVI|UPHGOLQJ DQI|UGHV I|OMDQGH ´(Q PRWVYDUDQGH RUGQLQJ GlU %RODJVYHUNHW lU UHJLVWUHULQJV P\QGLJKHW RFK )LQDQVLQVSHNWLRQHQ VN|WHU WLOOVWnQGVJLYQLQJHQ ILQQV L GDJ QlU GHW JlOOHU I|UVlNULQJVERODJ RFK EDQNHU 'HW LQQHElU DWW UXWLQHU I|U GHW Q|GYlQGLJD VDPDUEHWHW PHOODQ )LQDQVLQVSHNWLRQHQ RFK %RODJVYHUNHW L YDUW IDOO L YLVV PnQ UHGDQ lU XSSDUEHWDGH ´ SURS V 8WWDODQGHW WRUGH YDUD L K|JVWD JUDG JLOWLJW lYHQ L GDJ

6RP QlPQV RYDQ VND HQ MXULGLVN SHUVRQ KD DQVYDUHW I|U NRQWUROOHQ DY DWW GHQQHV DQVWlOOGD XSSI\OOHU \UNHVNUDYHQ $WW GHQQD XSSJLIW IXOOJMRUWV VND NRQWUROOHUDV DY )LQDQVLQVSHNWLRQHQ L VDPEDQG PHG WLOOVWnQGVSU|YQLQJ RFK WLOOV\Q DY GHQ MXULGLVND SHUVRQHQ

6LGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH

3URPHPRULDQV I|UVODJ (Q GHILQLWLRQ DY VLGRYHUNVDP I|UVlNULQJV

I|UPHGODUH WDV LQ L ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ (Q VLGRYHUNVDP

I|UVlNULQJVI|UPHGODUH VND KD WLOOVWnQG DY )LQDQVLQVSHNWLRQHQ I|U DWW In

EHGULYD I|UVlNULQJVGLVWULEXWLRQ

6NlOHQ I|U SURPHPRULDQV I|UVODJ 'LUHNWLYHW LQQHKnOOHU HQ GHILQLWLRQ DY I|UVlNULQJVI|UPHGODUH VRP EHGULYHU I|UPHGOLQJ VRP VLGRYHUNVDPKHW DUWLNHO 0HG HQ VnGDQ I|UPHGODUH DYVHV YDUMH I\VLVN HOOHU MXULGLVN SHUVRQ ± XWRP NUHGLWLQVWLWXW RFK YlUGHSDSSHUVI|UHWDJ HQOLJW GHILQLWLRQHQ L DUWLNHO RFK L (XURSDSDUODPHQWHWV RFK UnGHWV I|URUGQLQJ (8 QU DY GHQ MXQL RP WLOOV\QVNUDY I|U NUHGLWLQVWLWXW RFK YlUGHSDSSHUVI|UHWDJ RFK RP lQGULQJ DY I|URUGQLQJ (8 QU L

GHW I|OMDQGH EHQlPQG WLOOV\QVI|URUGQLQJHQ ± VRP PRW HUVlWWQLQJ LQOHGHU

opaginerad HOOHU EHGULYHU I|UVlNULQJVGLVWULEXWLRQ VRP VLGRYHUNVDPKHW XQGHU I|UXWVlWWQLQJ DWW VDPWOLJD I|OMDQGH YLOONRU lU XSSI\OOGD Kontrollera mot PDF

HOOHU EHGULYHU I|UVlNULQJVGLVWULEXWLRQ VRP VLGRYHUNVDPKHW XQGHU I|UXWVlWWQLQJ DWW VDPWOLJD I|OMDQGH YLOONRU lU XSSI\OOGD

x 'HQ I\VLVND HOOHU MXULGLVND SHUVRQHQ L IUnJD KDU LQWH I|UVlNULQJV I|UPHGOLQJ VRP KXYXGVDNOLJ \UNHVYHUNVDPKHW

x 'HQ I\VLVND HOOHU MXULGLVND SHUVRQHQ GLVWULEXHUDU EDUD YLVVD I|UVlNULQJVSURGXNWHU VRP NRPSOHWWHUDU HQ YDUD HOOHU HQ WMlQVW

x 'H EHU|UGD I|UVlNULQJVSURGXNWHUQD WlFNHU LQWH OLYI|UVlNULQJ HOOHU DQVYDUVI|UVlNULQJ XWRP QlU VnGDQW VN\GG NRPSOHWWHUDU GHQ YDUD HOOHU WMlQVW VRP I|UPHGODUHQ WLOOKDQGDKnOOHU VRP KXYXGVDNOLJ \UNHVYHUNVDPKHW

, IUnJD RP YLOND VRP HQOLJW GLUHNWLYHW DOOWVn LQWH InU YDUD I|UVlNULQJV I|UPHGODUH PHG I|UPHGOLQJ VRP VLGRYHUNVDPKHW NDQ I|OMDQGH DQI|UDV 0HG NUHGLWLQVWLWXW HOOHU YlUGHSDSSHUVI|UHWDJ DYVHV VnGDQD HQOLJW GHILQLWLRQHUQD L WLOOV\QVI|URUGQLQJHQ , GHQ I|URUGQLQJHQ DQJHV DWW PHG NUHGLWLQVWLWXW DYVHV HWW I|UHWDJ YDUV YHUNVDPKHW EHVWnU L DWW IUnQ DOOPlQKHWHQ WD HPRW LQVlWWQLQJDU HOOHU DQGUD nWHUEHWDOEDUD PHGHO RFK DWW EHYLOMD NUHGLWHU I|U HJHQ UlNQLQJ DUWLNHO 0HG YlUGHSDSSHUVI|UHWDJ DYVHV L WLOOV\QVI|URUGQLQJHQ DUWLNHO HQ SHUVRQ HQOLJW GHILQLWLRQHQ L I|UVWD OHGHW L DUWLNHO L (XURSDSDUODPHQWHWV RFK UnGHWV GLUHNWLY (* DY GHQ DSULO RP PDUNQDGHU I|U ILQDQVLHOOD LQVWUXPHQW RFK RP lQGULQJ DY UnGHWV GLUHNWLY ((* RFK ((* RFK (XURSDSDUODPHQWHWV RFK UnGHWV GLUHNWLY (* VDPW XSSKlYDQGH DY UnGHWV GLUHNWLY ((* I|UNRUWDW 0L),' , RFK VRP RPIDWWDV DY GH NUDY VRP nOlJJV JHQRP GHW GLUHNWLYHW PHG XQGDQWDJ DY

D NUHGLWLQVWLWXW

E ORNDOD I|UHWDJ

F I|UHWDJ VRP LQWH KDU WLOOVWnQG DWW WLOOKDQGDKnOOD VnGDQD VLGRWMlQVWHU VRP DYVHV L ELODJD , DYVQLWW % SXQNW L 0L),' , VRP WLOOKDQGDKnOOHU HQGDVW HQ HOOHU IOHUD DY GH LQYHVWHULQJVWMlQVWHU HOOHU GHQ LQYHVWHULQJV YHUNVDPKHW VRP DYVHV L SXQNWHUQD RFK L DYVQLWW $ L ELODJD , WLOO GHW GLUHNWLYHW VRP LQWH InU LQQHKD NRQWDQWHU HOOHU YlUGHSDSSHU VRP WLOOK|U I|UHWDJHWV NXQGHU RFK VRP GlUI|U DOGULJ InU VWn L VNXOG JHQWHPRW GHVVD

0L),' , KDU JHQRPI|UWV L VYHQVN UlWW JHQRP ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ , GHQ ODJHQ DQYlQGV WHUPHQ YlUGHSDSSHUVERODJ I|U VnGDQD I|UHWDJ VRP L GLUHNWLYHW EHQlPQV YlUGHSDSSHUVI|UHWDJ QlU GH lU VYHQVND ERODJ , ODJHQ NDS † GHILQLHUDV YlUGHSDSSHUVERODJ VRP HWW VYHQVNW DNWLHERODJ VRP KDU InWW WLOOVWnQG HQOLJW GHQQD ODJ DWW GULYD YlUGHSDSSHUVU|UHOVH RFK VRP LQWH lU HWW EDQNDNWLHERODJ HOOHU HWW NUHGLW PDUNQDGVERODJ HQOLJW ODJHQ RP EDQN RFK ILQDQVLHULQJV U|UHOVH 'H LQYHVWHULQJVWMlQVWHU RFK LQYHVWHULQJVYHUNVDPKHWHU VRP DQJHV L 0L),' , KDU L VYHQVN UlWW JHQRPI|UWV Sn PRWVYDUDQGH VlWW L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ DYVQLWW $ L ELODJD , UHVSHNWLYH NDS † VH SURS V ± 'HWVDPPD JlOOHU GH VLGRWMlQVWHU VRP DQJHV L GHW GLUHNWLYHW DYVQLWW % L ELODJD , UHVSHNWLYH NDS † I|UVWD VW\FNHW VH VDPPD SURS V I

'HW VRP DQI|UV RYDQ LQQHElU DWW YLVVD YlUGHSDSSHUVI|UHWDJ HQOLJW 0L),' LQWH DQVHV VRP YlUGHSDSSHUVI|UHWDJ L WLOOV\QVI|URUGQLQJHQV PHQLQJ QlPOLJHQ I|UHWDJ VRP HQGDVW KDU WLOOVWnQG WLOO QnJRQ HOOHU IOHUD DY LQYHVWHULQJVWMlQVWHUQD PRWWDJDQGH RFK YLGDUHEHIRUGUDQ DY RUGHU XWI|U

DQGH DY RUGHU GLVNUHWLRQlU SRUWI|OMI|UYDOWQLQJ HOOHU LQYHVWHULQJV

opaginerad (Q VlUVNLOG RUGQLQJ I|U UHJLVWUHULQJ DY DQNQXWQD I|UVlNULQJVI|UPHGODUH RFK DQNQXWQD VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH Kontrollera mot PDF

UnGJLYQLQJ <WWHUOLJDUH HQ I|UXWVlWWQLQJ lU DWW I|UHWDJHW LQWH I|UYDUDU NXQGHUV ILQDQVLHOOD LQVWUXPHQW HOOHU NRQWDQWD PHGHO RFK LQWH KHOOHU KDU WLOOVWnQG DWW J|UD GHW (WW JHQRPI|UDQGH DY I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW I|UXWVlWWHU DWW GHILQLWLRQHQ DY YlUGHSDSSHUVI|UHWDJ L WLOOV\QVI|U RUGQLQJHQ DQYlQGV I|U DWW DYJ|UD YLOND I|UVlNULQJVI|UPHGODUH VRP VND NXQQD EHGULYD I|UPHGOLQJ VRP VLGRYHUNVDPKHW 'HWWD LQQHElU DWW YLVVD YlUGHSDSSHUVERODJ NDQ YDUD VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH HQOLJW I|UHYDUDQGH UHJOHULQJ RP GH XSSI\OOHU I|UXWVlWWQLQJDUQD I|U DWW EOL XQGDQWDJQD HQOLJW OHGHQ D±F L GHILQLWLRQHQ RYDQ

7LOOV\QVI|URUGQLQJHQ lU GLUHNW WLOOlPSOLJ L VYHQVN UlWW PHQ L ODJHQ RP VlUVNLOG WLOOV\Q |YHU NUHGLWLQVWLWXW RFK YlUGHSDSSHUVERODJ ILQQV EHVWlP PHOVHU VRP NRPSOHWWHUDU I|URUGQLQJHQ , GHQ ODJHQ GHILQLHUDV NUHGLW LQVWLWXW VRP EDQN RFK NUHGLWPDUNQDGVI|UHWDJ HQOLJW ODJHQ RP EDQN RFK ILQDQVLHULQJVU|UHOVH VDPW 6YHQVND VNHSSVK\SRWHNVNDVVDQ NDS † I|UVWD VW\FNHW

'HILQLWLRQHQ L GLUHNWLYHW DY I|UVlNULQJVI|UPHGODUH VRP EHGULYHU I|UPHGOLQJ VRP VLGRYHUNVDPKHW E|U LQI|UDV L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ , ODJHQ E|U HQ VnGDQ I|UVlNULQJVI|UPHGODUH EHQlPQDV VLGRYHUNVDP I|UVlNULQJVI|UPHGODUH (QOLJW GLUHNWLYHW VND HQ VnGDQ I|UVlNULQJVI|UPHGODUH KD HQ DQVYDUVI|UVlNULQJ HOOHU OLNYlUGLJD JDUDQWLHU Sn HQ QLYn VRP IDVWVWlOOV DY PHGOHPVVWDWHUQD PHG EHDNWDQGH DY GHQ VnOGD SURGXNWHQV NDUDNWlU RFK GHQ YHUNVDPKHW VRP EHGULYV DUWLNHO VH PHU QHGDQ L DYVQLWW (Q VLGRYHUNVDP I|UVlNULQJVI|UPHG ODUH VND DQV|ND RP WLOOVWnQG DY )LQDQVLQVSHNWLRQHQ I|U DWW In EHGULYD I|UVlNULQJVGLVWULEXWLRQ (Q VnGDQ I|UVlNULQJVI|UPHGODUH VND lYHQ DQPlOD VLJ I|U UHJLVWUHULQJ KRV %RODJVYHUNHW

, VDPPDQKDQJHW E|U QlPQDV DWW GHW InU DQVHV YDUD VYnUW DWW L GDJVOlJHW |YHUEOLFND RP GHW L IUDPWLGHQ NRPPHU DWW ILQQDV HWW NRPPHUVLHOOW LQWUHVVH DY DWW GULYD YHUNVDPKHW VRP VLGRYHUNVDP I|UVlNULQJVI|UPHGODUH XWDQ DWW YDUD NQXWHQ JHQRP DYWDO WLOO QnJRW I|UVlNULQJVI|UHWDJ HOOHU QnJRQ DQQDQ I|UVlNULQJVI|UPHGODUH

, DYVQLWW I|UHVOnV HQ VlUVNLOG RUGQLQJ I|U UHJLVWUHULQJ DY DQNQXWHQ VLGRYHUNVDP I|UVlNULQJVI|UPHGODUH GYV I|UVlNULQJVI|UPHGODUH VRP EHGULYHU I|UPHGOLQJ VRP VLGRYHUNVDPKHW RFK VRP DJHUDU Sn DQQDQV DQVYDU , DYVDNQDG DY QnJRQ QDWXUOLJ DQPlODUH VDPW NRQWUROO DY I|UXWVlWWQLQJDUQD I|U UHJLVWUHULQJ NDQ GHQ RUGQLQJHQ LQWH WLOOlPSDV Sn DOOD VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH

(Q VlUVNLOG RUGQLQJ I|U UHJLVWUHULQJ DY DQNQXWQD I|UVlNULQJVI|UPHGODUH RFK DQNQXWQD VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW LQQHKnOOHU WLOO VNLOOQDG IUnQ I|UVlN

ULQJVI|UPHGOLQJVGLUHNWLYHW LQWH QnJRQ GHILQLWLRQ DY DQNQXWQD I|UVlNULQJV

I|UPHGODUH 'HW Q\D GLUHNWLYHW LQQHKnOOHU HPHOOHUWLG HQ GHILQLWLRQ DY

I|UVlNULQJVI|UPHGODUH VRP EHGULYHU I|UPHGOLQJ VRP VLGRYHUNVDPKHW

DUWLNHO VH DYVQLWW 'HW I|UXWVlWWV L GLUHNWLYHW DWW HQ VnGDQ

I|UPHGODUH VND NXQQD DJHUD Sn HWW I|UVlNULQJVI|UHWDJV HOOHU HQ DQQDQ

I|UVlNULQJVI|UPHGODUHV DQVYDU *UXSSHQ DQNQXWQD I|UVlNULQJVI|UPHGODUH

UHJOHUDV L JlOODQGH VYHQVN UlWW L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ NDS

opaginerad $QNQXWQD VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH Kontrollera mot PDF

† 'HQQD JUXSS GHODV L VLQ WXU LQ L WYn XQGHUJUXSSHU GHOV GH I|UPHGODUH VRP EHGULYHU I|UPHGOLQJ VRP KXYXGVDNOLJ YHUNVDPKHW D GHOV GH I|UPHGODUH VRP EHGULYHU I|UPHGOLQJ YLG VLGDQ DY VLQ KXYXG VDNOLJD YHUNVDPKHW E *HPHQVDPW I|U GH EnGD JUXSSHUQD lU DWW GH lU DQNQXWQD WLOO HWW I|UVlNULQJVI|UHWDJ Sn Vn VlWW DWW GH WUlIIDW DYWDO PHG HWW I|UVlNULQJVI|UHWDJ RP DWW GHW VHQDUH lU DQVYDULJW I|U UHQ I|UP|JHQ KHWVVNDGD VRP lU NRSSODG WLOO YHUNVDPKHWHQ 6RP HQ I|OMG DY GHWWD EHK|YHU DQNQXWQD I|UVlNULQJVI|UPHGODUH LQWH KD QnJRQ DQVYDUV I|UVlNULQJ )|U JUXSSHQ DQNQXWQD I|UVlNULQJVI|UPHGODUH JlOOHU HQ VlU VNLOG RUGQLQJ I|U UHJLVWUHULQJ NDS † ODJHQ RP I|UVlNULQJV I|UPHGOLQJ L VWlOOHW I|U GHW NUDY Sn WLOOVWnQG VRP ILQQV , DYVQLWWHQ RFK I|UHVOnV HQ RUGQLQJ VRP LQQHElU DWW GHW J|UV nWVNLOOQDG PHOODQ DQNQXWQD I|UVlNULQJVI|UPHGODUH VRP EHGULYHU I|UVlNULQJVGLVWULEXWLRQ VRP KXYXGVDNOLJ YHUNVDPKHW UHVSHNWLYH VRP VLGRYHUNVDPKHW

$QNQXWQD VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH

3URPHPRULDQV I|UVODJ (Q GHILQLWLRQ DY DQNQXWQD VLGRYHUNVDPPD

I|UVlNULQJVI|UPHGODUH WDV LQ L ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ 0HG

DQNQXWQD VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH DYVHV I|UPHGODUH VRP

EHGULYHU I|UVlNULQJVGLVWULEXWLRQ VRP VLGRYHUNVDPKHW RFK VRP DJHUDU

Sn DQQDQV DQVYDU 8W|YHU DWW NUDYHQ I|U DWW YDUD I|UVlNULQJVI|UPHGODUH

VRP EHGULYHU I|UVlNULQJVGLVWULEXWLRQ VRP VLGRYHUNVDPKHW VND YDUD

XSSI\OOGD NUlYV EO D DWW I|UVlNULQJVI|UPHGODUHQ DJHUDU Sn HWW HOOHU

IOHUD I|UVlNULQJVI|UHWDJV HOOHU I|UVlNULQJVI|UPHGODUHV DQVYDU I|U UHQ

I|UP|JHQKHWVVNDGD VRP GUDEEDU HQ NXQG HQ I|UVlNULQJVJLYDUH HOOHU

QnJRQ VRP KlUOHGHU VLQ UlWW IUnQ NXQGHQ WLOO I|OMG DY DWW I|UVlNULQJV

I|UPHGODUHQ XSSVnWOLJHQ HOOHU DY RDNWVDPKHW nVLGRVlWWHU VLQD VN\OGLJ

KHWHU HQOLJW GH JUXQGOlJJDQGH NUDYHQ YLG I|UVlNULQJVGLVWULEXWLRQ

)|U GHQQD JUXSS DY I|UVlNULQJVI|UPHGODUH VND L VWlOOHW I|U NUDY Sn

WLOOVWnQG IUnQ )LQDQVLQVSHNWLRQHQ JlOOD DWW GHW I|UVlNULQJVI|UHWDJ HOOHU

GHQ I|UVlNULQJVI|UPHGODUH PHG YLONHW I|UPHGODUHQ KDU LQJnWW DYWDO RP

I|UVlNULQJVGLVWULEXWLRQ VND DQPlOD I|UPHGODUHQ I|U UHJLVWUHULQJ KRV

%RODJVYHUNHW )|UVlNULQJVI|UHWDJHW HOOHU GHQ DQGUD DQVYDULJD I|U

PHGODUHQ VND EDUD In DQPlOD VnGDQD I|UPHGODUH VRP XSSI\OOHU GH NUDY

VRP VWlOOV I|U WLOOVWnQG WLOO I|UVlNULQJVI|UPHGOLQJ , DQPlODQ VND ± PHG

GH EHJUlQVQLQJDU VRP JlOOHU I|U WLOOVWnQGVSOLNWLJ YHUNVDPKHW ± DQJHV

RPIDWWQLQJHQ DY I|UVlNULQJVGLVWULEXWLRQHQ ,QWH KHOOHU HQ DQNQXWHQ

VLGRYHUNVDP I|UVlNULQJVI|UPHGODUH VND In SnE|UMD VLQ YHUNVDPKHW

I|UUlQ UHJLVWUHULQJ KDU VNHWW

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU

PHGGHOD I|UHVNULIWHU RP YDG I|UVlNULQJVI|UHWDJHQ HOOHU DQQDQ

DQPlODUH VND LDNWWD YLG NRQWUROOHQ DY DQNQXWQD VLGRYHUNVDPPD

I|UVlNULQJVI|UPHGODUHV NYDOLILNDWLRQHU RFK YLG DQPlODQ DY GHVVD

I|UPHGODUH I|U UHJLVWUHULQJ KRV %RODJVYHUNHW

6NlOHQ I|U SURPHPRULDQV I|UVODJ 'HQ |YHUYlJDQGH GHOHQ DY GH VRP RPIDWWDV DY JlOODQGH ODJVWLIWQLQJ RP I|UVlNULQJVI|UPHGOLQJ XWJ|UV DY SHUVRQHU VRP KDU LQJnWW DYWDO PHG HWW HOOHU IOHUD I|UVlNULQJVI|UHWDJ RP DWW

I|UPHGOD GHUDV I|UVlNULQJVSURGXNWHU 'LUHNWLYHW RP I|UVlNULQJVGLVWUL

opaginerad $QNQXWQD VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH Kontrollera mot PDF

EXWLRQ |SSQDU XSS I|U HQ P|MOLJKHW I|U HQ I|UVlNULQJVI|UPHGODUH VRP EHGULYHU I|UVlNULQJVGLVWULEXWLRQ VRP VLGRYHUNVDPKHW DWW DJHUD Sn HWW I|UVlNULQJVI|UHWDJV HOOHU HQ DQQDQ I|UPHGODUHV DQVYDU DUWLNHO IHPWH VW\FNHW )|U GHQQD JUXSS DY I|UPHGODUH ILQQV GHW HQOLJW GLUHNWLYHW HQ P|MOLJKHW DWW KD HQ VlUVNLOG UHJLVWUHULQJVRUGQLQJ DUWLNHO VMlWWH VW\FNHW 'HW lU GHQ W\GOLJD NRSSOLQJHQ WLOO I|UVlNULQJVI|UHWDJHQ HOOHU HQ DQQDQ I|UVlNULQJVI|UPHGODUH VRP J|U DWW GHW ILQQV HQ P|MOLJKHW DWW KD HQ VlUVNLOG UHJLVWUHULQJVRUGQLQJ I|U GHQQD JUXSS <WWHUOLJDUH HWW VNlO I|U HQ VnGDQ VlUO|VQLQJ lU DWW GHQ NDQ JH UHVXUVEHVSDULQJDU RFK HIIHNWLYLWHWV YLQVWHU (Q VnGDQ RUGQLQJ WLOOJRGRVHU lYHQ NUDYHW Sn SURSRUWLRQDOLWHW MIU VNlO WLOO GLUHNWLYHW VRP EOLU IUDPWUlGDQGH I|U GHQ JUXSS VRP OlWWQDGHQ lU DYVHGG DWW WUlIID 'HW WRUGH U|UD VLJ RP I|UHWDJ VRP L EHJUlQVDG RPIDWWQLQJ GLVWULEXHUDU HQNODUH I|UVlNULQJVSURGXNWHU I|UHWUlGHYLV VNDGHI|UVlNULQJDU PHG EHJUlQVDG O|SWLG 6\VWHPHW PnVWH QDWXUOLJWYLV YDUD WURYlUGLJW SUDNWLVNW P|MOLJW DWW DQYlQGD RFK JRGWDJEDUW IUnQ LQWHJULWHWVV\QSXQNW

)|U GHQQD JUXSS DY I|UVlNULQJVI|UPHGODUH E|U GHW VnOHGHV L VWlOOHW I|U NUDY Sn WLOOVWnQG IUnQ )LQDQVLQVSHNWLRQHQ LQI|UDV HQ RUGQLQJ VRP LQQHElU DWW GHW I|UVlNULQJVI|UHWDJ HOOHU GHQ I|UPHGODUH VRP KDU WDJLW Sn VLJ HWW VlUVNLOW DQVYDU I|U HQ YLVV I|UPHGODUH VRP EHGULYHU I|UVlNULQJV GLVWULEXWLRQ VRP VLGRYHUNVDPKHW VND DQPlOD GHQQH I|U UHJLVWUHULQJ KRV %RODJVYHUNHW HIWHU DWW KD NRQWUROOHUDW DWW I|UPHGODUHQ XSSI\OOHU GH NUDY VRP JlOOHU I|U WLOOVWnQG WLOO I|UVlNULQJVI|UPHGOLQJ 'HQ JUXSS DY I|UPHG ODUH VRP RPIDWWDV WRUGH L DOOW YlVHQWOLJW YDUD VnGDQD DQNQXWQD I|UVlN ULQJVI|UPHGODUH VRP LQWH KDU I|UPHGOLQJ VRP KXYXGVDNOLJ YHUNVDPKHW NDS † E ODJHQ RP I|UVlNULQJVI|UPHGOLQJ

(QOLJW GLUHNWLYHW InU PHGOHPVVWDWHUQD NUlYD DWW I|UVlNULQJVI|UHWDJHW HOOHU GHQ DQGUD I|UVlNULQJVI|UPHGODUHQ VND NRQWUROOHUD DWW I|UPHGODUQDV NXQVNDS RFK NRPSHWHQV XSSI\OOHU JlOODQGH NUDY VDPW DWW I|UVlNULQJV I|UHWDJHW HOOHU GHQ DQGUD I|UVlNULQJVI|UPHGODUHQ YLG EHKRY VND WLOOKDQGD KnOOD VLGRYHUNVDPPD I|UPHGODUH IRUWELOGQLQJV RFK \UNHVXWYHFNOLQJV UHVXUVHU VRP PRWVYDUDU GH NUDY VRP JlOOHU I|U GH SURGXNWHU VRP VlOMV DY GHVVD I|UPHGODUH DUWLNHO IMlUGH VW\FNHW %HWUlIIDQGH NUDYHW Sn JRG YDQGHO JHU GLUHNWLYHW HQ P|MOLJKHW L DWW OnWD DQVYDULJW I|UVlNULQJVI|UHWDJ HOOHU DQVYDULJ I|UVlNULQJVI|UPHGODUH NRQWUROOHUD DWW GH VLGRYHUNVDPPD I|UPHGODUQDV YDQGHO lU JRG DUWLNHO DQGUD VW\FNHW 0RW GHQQD EDNJUXQG E|U QlU GHW JlOOHU VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH VRP lU I\VLVND SHUVRQHU I|UVlNULQJVI|UHWDJHQ HOOHU GH DQGUD I|UPHGODUQD NRQWUROOHUD DWW SHUVRQHQ L IUnJD KDU GHQ NXQVNDS NRPSHWHQV RFK YDQGHO VRP NUlYV , GH IDOO GHQ VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUHQ lU HQ MXULGLVN SHUVRQ E|U DQPlODUHQ NRQWUROOHUD EO D DWW OHGQLQJHQ I|U I|UPHG ODUI|UHWDJHW XSSI\OOHU GH NUDY VRP JlOOHU I|U GHVVD SHUVRQHU .RQWUROOHQ DY GH DQVWlOOGD VND GRFN J|UDV DY GHQ VLGRYHUNVDPPD I|UVlNULQJV I|UPHGODUHQ PHQ DQPlODUHQ PnVWH I|UYLVVD VLJ RP DWW GHQ VLGR YHUNVDPPD I|UVlNULQJVI|UPHGODUHQ JHQRPI|UW Q|GYlQGLJD NRQWUROOHU LQQDQ I|UPHGODUHQ DQPlOV I|U UHJLVWUHULQJ KRV %RODJVYHUNHW

$WW DQPlODUQD InU XSSJLIWHQ DWW NRQWUROOHUD DWW GHQ DQNQXWQD VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUHQ XSSI\OOHU \UNHVNUDYHQ LQQHElU HWW DQVYDU I|U DWW GHWWD KDU JMRUWV Sn HWW ULNWLJW RFK IXOOVWlQGLJW VlWW 'H DQVYDUDU VMlOYIDOOHW RFNVn I|U DWW HQGDVW I|UPHGODUH VRP XSSI\OOHU GHVVD

NUDY DQPlOV I|U UHJLVWUHULQJ KRV %RODJVYHUNHW 9LGDUH KDU GH HWW DQVYDU

opaginerad W H[ I|UPHGODUHV QDPQ HOOHU DGUHVV VDPW YLOND VODJ DY I|UVlNULQJ HOOHU Kontrollera mot PDF

I|U DWW XSSGDWHUD GH XSSJLIWHU VRP OlPQDWV WLOO %RODJVYHUNHW L IUnJD RP

W H[ I|UPHGODUHV QDPQ HOOHU DGUHVV VDPW YLOND VODJ DY I|UVlNULQJ HOOHU

I|UVlNULQJVNODVVHU VRP I|UPHGOLQJHQ DYVHU 'H E|U RFNVn YDUD VN\OGLJD

DWW I|U DYUHJLVWUHULQJ KRV %RODJVYHUNHW DQPlOD SHUVRQHU VRP LQWH OlQJUH

lU DQNQXWQD

2P HQ DQNQXWHQ VLGRYHUNVDP I|UVlNULQJVI|UPHGODUH lU DQNQXWHQ WLOO

IOHU lQ HQ XSSGUDJVJLYDUH XSSVWnU IUnJDQ RP YLONHQ DY XSSGUDJVJLYDUQD

VRP VND NRQWUROOHUD I|UPHGODUHQV NYDOLILNDWLRQHU RFK DQPlOD I|UPHG

ODUHQ I|U UHJLVWUHULQJ 9DUW RFK HWW DY GHVVD I|UHWDJ E|U DQVYDUD I|U DWW

I|UPHGODUHQ DQPlOV I|U UHJLVWUHULQJ QlU GHW JlOOHU I|UPHGOLQJ DY GHW HJQD

I|UHWDJHWV SURGXNWHU RFK DWW I|UPHGODUHQ EDUD DQPlOV RP KDQ HOOHU KRQ

XSSI\OOHU \UNHVNUDYHQ (Q DQPlODUH VRP YLG HQ VnGDQ DQPlODQ I|UOLWDU

VLJ Sn NRQWUROOHU VRP HWW DQQDW I|UVlNULQJVI|UHWDJ HOOHU HQ DQQDQ

I|UPHGODUH KDU JMRUW J|U VMlOYIDOOHW GHWWD Sn HJHQ ULVN

)UnJDQ lU VHGDQ RP DQPlODUQD E|U KD QnJRW DQVYDU I|U GHQ O|SDQGH

NRQWUROOHQ DY GH DQPlOGD I|UPHGODUQDV NYDOLILNDWLRQHU 'HQ XSSJLIW VRP

nOlJJV DQPlODUQD lU MXVW DWW DQPlOD I|UVlNULQJVI|UPHGODUH I|U

UHJLVWUHULQJ RFK DWW EDUD DQPlOD VnGDQD I|UPHGODUH VRP XSSI\OOHU GH

DQJLYQD NUDYHQ 'HWWD LQQHElU DWW DQPlODUQDV XSSJLIW lU DWW J|UD GHQ

LQLWLDOD NRQWUROOHQ DY I|UPHGODUQDV NYDOLILNDWLRQHU 'HQ O|SDQGH

NRQWUROOHQ DY DWW I|UVlNULQJVI|UPHGODUH LQNOXVLYH QX DNWXHOO JUXSS DY

I|UVlNULQJVI|UPHGODUH XSSI\OOHU ODJHQV NUDY E|U L OLNKHW PHG JlOODQGH

UHJOHULQJ DQNRPPD Sn )LQDQVLQVSHNWLRQHQ

'HQ QlUPDUH LQQHE|UGHQ DY )LQDQVLQVSHNWLRQHQV WLOOV\QVDQVYDU

EHKDQGODV QHGDQ VH DYVQLWW RP WLOOV\Q RFK LQJULSDQGHQ 5HGDQ QX

NDQ HPHOOHUWLG NRQVWDWHUDV DWW L GHWWD OLJJHU EO D DWW VH WLOO DWW I|UVlNULQJV

I|UHWDJHQ RFK DQGUD I|UVlNULQJVI|UPHGODUH IXOOJ|U GH XSSJLIWHU VRP KDU

DQI|UWURWWV GHP GYV DWW NRQWUROOHUD DWW DQPlOGD I|UVlNULQJVI|UPHGODUH

XSSI\OOHU GH \UNHVNUDY VRP VWlOOV L ODJVWLIWQLQJHQ RFK DWW GHW I|U

UHJLVWUHULQJ EDUD DQPlOV VnGDQD I|UPHGODUH VRP XSSI\OOHU GHVVD NUDY ,

I|UDUEHWHQD WLOO ODJHQ RP I|UVlNULQJVI|UPHGOLQJ DQI|UGHV I|OMDQGH ´'HW

lU VRP Svenska försäkringsmäklares förening SnWDODW DY VW|UVWD YLNW DWW

LQVSHNWLRQHQ VHU WLOO DWW I|UVlNULQJVI|UHWDJHQ KDU WLOOIUHGVVWlOODQGH UXWLQHU

I|U GHWWD ´ SURS V 8WWDODQGHW IUDPVWnU IRUWIDUDQGH VRP

DNWXHOOW RFK NODUJ|U )LQDQVLQVSHNWLRQHQV XSSGUDJ DWW XW|YD WLOOV\Q |YHU

GHVVD I|UVlNULQJVI|UPHGODUH 'LUHNWLYHW RP I|UVlNULQJVGLVWULEXWLRQ

LQQHElU LQWH DWW GHQQD RUGQLQJ EHK|YHU lQGUDV 'HW E|U lYHQ YDUD P|MOLJW

DWW JHQRP P\QGLJKHWVI|UHVNULIWHU NODUJ|UD YLONHQ LQIRUPDWLRQ RP GHQ

DQNQXWQD VLGRYHUNVDPPD I|UPHGODUHQ VRP DQPlODUHQ KDU DWW OlPQD WLOO

)LQDQVLQVSHNWLRQHQ I|U DWW LQVSHNWLRQHQ VND NXQQD XW|YD HQ HIIHNWLY

WLOOV\Q

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU E|U In

PHGGHOD I|UHVNULIWHU RP YDG I|UVlNULQJVI|UHWDJHQ HOOHU HQ DQQDQ

DQPlODUH VND LDNWWD YLG NRQWUROOHQ DY GH DQNQXWQD VLGRYHUNVDPPD I|U

VlNULQJVI|UPHGODUQDV NYDOLILNDWLRQHU RFK YLG DQPlODQ DY GHVVD I|UPHG

ODUH I|U UHJLVWUHULQJ KRV %RODJVYHUNHW

'HW NDQ KlYGDV DWW GHQ NRQWUROO LQI|U UHJLVWUHULQJHQ VRP VND XWI|UDV DY

DQPlODUQD EHWUlIIDQGH DQNQXWQD VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH

lU HQ IRUP DY SU|YQLQJ DY WLOOVWnQG HIWHUVRP YLVVD PDWHULHOOD NUDY PnVWH

YDUD XSSI\OOGD I|U DWW UHJLVWUHULQJ VND In VNH 'HW JlOOHU VlUVNLOW GHQ

YDQGHOVSU|YQLQJ VRP VND J|UDV 'HW E|U Gn nWHULJHQ EHWRQDV DWW YDG VRP

opaginerad $QNQXWQD I|UVlNULQJVI|UPHGODUH Kontrollera mot PDF

nOlJJV I|UVlNULQJVI|UHWDJHQ HOOHU HQ DQQDQ DQPlODUH HQGDVW lU HQ UHQ NRQWUROO DY IDNWLVND RPVWlQGLJKHWHU RFK LQWH QnJRQ SU|YQLQJ 9LOND RPVWlQGLJKHWHU VRP VND NRQWUROOHUDV VND YDUD Vn QRJJUDQW UHJOHUDGH JHQRP I|UHVNULIWHU DWW NRQWUROOHQ LQWH NRPPHU DWW LQQHKnOOD QnJRQ PDWHULHOO SU|YQLQJ DY GHW VODJ VRP QRUPDOW I|UNQLSSDV PHG HQ SU|YQLQJ DY WLOOVWnQG HOOHU HQ OlPSOLJKHWVSU|YQLQJ VH GRFN QHGDQ L DYVQLWW I|U PRWVDWW EHG|PQLQJ QlU GHW JlOOHU OlPSOLJKHWVSU|YQLQJ (WW PRW VYDUDQGH UHVRQHPDQJ NDQ lYHQ I|UDV QlU GHW JlOOHU I|UVlNULQJV I|UPHGODUQDV NRQWUROO DY DQVWlOOGD VRP GLUHNW GHOWDU L I|UVlNULQJV GLVWULEXWLRQHQ

6RP DQI|UV RYDQ PRWVYDUDU GHQQD JUXSS DY I|UPHGODUH L DOOW YlVHQWOLJW VnGDQD VRP HQOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ lU DQNQXWQD I|U PHGODUH RFK VRP XW|YDU I|UVlNULQJVI|UPHGOLQJ YLG VLGDQ DY VLQ KXYXGVDNOLJD YHUNVDPKHW )|UVlNULQJVI|UPHGODUH L GHQQD JUXSS lU WLOO VNLOOQDG IUnQ DQNQXWQD I|UPHGODUH VRP NDQ KD I|UVlNULQJVI|UPHGOLQJ VRP KXYXGVDNOLJ YHUNVDPKHW RI|UKLQGUDGH DWW I|UPHGOD NRQNXUUHUDQGH I|UVlNULQJDU , GHILQLWLRQHQ DY DQNQXWHQ I|UPHGODUH L GLUHNWLYHW RP I|UVlNULQJVI|UPHGOLQJ IDQQV GHW LQJHQ EHJUlQVQLQJ L GHWWD DYVHHQGH RFK EHG|PQLQJHQ JMRUGHV DWW GH P|MOLJKHWHU VRP GLUHNWLYHW JDY VNXOOH XWQ\WWMDV PHG KlQYLVQLQJ WLOO HIIHNWLYLWHWV RFK UHVXUVEHVSDULQJVVNlO VH SURS V 'HW ILQQV QX DQOHGQLQJ DWW DQVOXWD VLJ WLOO GHQ JMRUGD EHG|PQLQJHQ 0RWVYDUDQGH EHG|PQLQJ E|U J|UDV lYHQ EHWUlII DQGH DQNQXWQD VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH GYV lYHQ GHQQD JUXSS DY I|UPHGODUH E|U NXQQD I|UPHGOD NRQNXUUHUDQGH I|UVlNULQJDU 'HW NDQ L VDPPDQKDQJHW IUDPKnOODV DWW LQWH KHOOHU I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW LQQHKnOOHU QnJRQ EHJUlQVQLQJ L GHW QX DNWXHOOD DYVHHQGH

%HQlPQLQJHQ DY GHQQD JUXSS DY I|UVlNULQJVI|UPHGODUH E|U DQNQ\WD WLOO GHW IDNWXP DWW GHW U|U VLJ RP I|UVlNULQJVI|UPHGODUH VRP LQWH KDU I|UPHGOLQJ VRP KXYXGYHUNVDPKHW 'HWWD IDNWXP KDU EHW\GHOVH I|U DWW WLOO YLVV GHO PRWLYHUD XQGDQWDJHW IUnQ KXYXGUHJHOQ RP WLOOVWnQGVSOLNW $Y EHQlPQLQJHQ E|U lYHQ IUDPJn DWW NRSSOLQJHQ WLOO HWW DQVYDULJW I|UVlNULQJVI|UHWDJ HOOHU HQ DQQDQ I|UVlNULQJVI|UPHGODUH lU DY FHQWUDO EHW\GHOVH

)|U GH IDOO GlU HQ DQNQXWHQ VLGRYHUNVDP I|UVlNULQJVI|UPHGODUH I|UORUDU VLQ DQNQ\WQLQJ WLOO HWW DQVYDULJW I|UVlNULQJVI|UHWDJ HOOHU HQ DQVYDULJ DQQDQ I|UVlNULQJVI|UPHGODUH KlQYLVDV WLOO DYVQLWW

$QNQXWQD I|UVlNULQJVI|UPHGODUH

3URPHPRULDQV I|UVODJ (Q GHILQLWLRQ DY DQNQXWQD I|UVlNULQJV

I|UPHGODUH WDV LQ L ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ 0HG VnGDQD

I|UPHGODUH DYVHV HQ VYHQVN I\VLVN HOOHU MXULGLVN SHUVRQ VRP EHGULYHU

I|UVlNULQJVGLVWULEXWLRQ VRP KXYXGVDNOLJ \UNHVYHUNVDPKHW RFK VRP KDU

WUlIIDW DYWDO PHG HWW HOOHU IOHUD I|UVlNULQJVI|UHWDJ RP DWW GLVWULEXHUD

I|UVlNULQJVSURGXNWHU RP GHVVD SURGXNWHU LQWH NRQNXUUHUDU PHG

YDUDQGUD RFK DYWDOHW LQQHElU DWW I|UVlNULQJVI|UHWDJHW lU DQVYDULJW I|U

UHQ I|UP|JHQKHWVVNDGD VRP GUDEEDU HQ NXQG HQ I|UVlNULQJVJLYDUH HOOHU QnJRQ VRP KlUOHGHU VLQ UlWW IUnQ NXQGHQ

0HUSDUWHQ DY GH DQNQXWQD I|UVlNULQJVI|UPHGODUQD VND XQGDQWDV IUnQ NUDYHW Sn WLOOVWnQG DY )LQDQVLQVSHNWLRQHQ RFK VND L VWlOOHW RPIDWWDV DY

opaginerad VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH Kontrollera mot PDF

GHQ VlUVNLOGD RUGQLQJ I|U UHJLVWUHULQJ VRP VND JlOOD I|U DQNQXWQD

VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH

'H DQNQXWQD I|UVlNULQJVI|UPHGODUH VRP VND GLVWULEXHUD I|UVlNULQJV

EDVHUDGH LQYHVWHULQJVSURGXNWHU HOOHU SHQVLRQVI|UVlNULQJDU VRP lU

H[SRQHUDGH PRW PDUNQDGVYRODWLOLWHW VND RPIDWWDV DY WLOOVWnQGVSOLNW 'H

VND DQV|ND RP WLOOVWnQG DY )LQDQVLQVSHNWLRQHQ RFK LQWH In SnE|UMD VLQ

YHUNVDPKHW I|UUlQ UHJLVWUHULQJ KRV %RODJVYHUNHW KDU VNHWW )|U WLOOVWnQG

VND GHW LQWH NUlYDV DWW GHVVD DQNQXWQD I|UVlNULQJVI|UPHGODUH KDU HQ

HJHQ DQVYDUVI|UVlNULQJ

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU

PHGGHOD I|UHVNULIWHU RP YDG I|UVlNULQJVI|UHWDJHQ VND LDNWWD YLG

NRQWUROOHQ DY DQNQXWQD I|UVlNULQJVI|UPHGODUHV NYDOLILNDWLRQHU RFK YLG

DQPlODQ DY GHVVD I|UPHGODUH I|U UHJLVWUHULQJ KRV %RODJVYHUNHW

3URPHPRULDQV EHG|PQLQJ (Q DQNQXWHQ I|UVlNULQJVI|UPHGODUH

E|U LQWH In YDUD DQNQXWHQ WLOO HQ DQQDQ I|UVlNULQJVI|UPHGODUH

6NlOHQ I|U SURPHPRULDQV I|UVODJ RFK EHG|PQLQJ (Q YLVV DQGHO DY

GH VRP lU DQNQXWQD I|UVlNULQJVI|UPHGODUH HQOLJW ODJHQ RP I|UVlNULQJV

I|UPHGOLQJ lU VnGDQD I|UPHGODUH VRP KDU WUlIIDW DYWDO PHG HWW HOOHU IOHUD

I|UVlNULQJVI|UHWDJ RP DWW I|UPHGOD I|UVlNULQJVSURGXNWHU RP GHVVD

SURGXNWHU LQWH NRQNXUUHUDU PHGYDUDQGUD RFK DYWDOHW LQQHElU DWW

I|UVlNULQJVI|UHWDJHW lU DQVYDULJW I|U UHQ I|UP|JHQKHWVVNDGD NDS

† D (Q YlVHQWOLJ VNLOOQDG EHWUlIIDQGH GHQQD JUXSS DY I|UPHGODUH lU

DWW GH WLOO VNLOOQDG IUnQ VnGDQD DQNQXWQD I|UPHGODUH VRP EHKDQGODV L

DYVQLWW NDQ KD I|UPHGOLQJ VRP KXYXGYHUNVDPKHW

*HPHQVDPW I|U DQNQXWQD I|UVlNULQJVI|UPHGODUH HQOLJW JlOODQGH UlWW lU

I|UXWRP P|MOLJKHWHQ WLOO HWW VlUVNLOW UHJLVWUHULQJVI|UIDUDQGH DWW GH LQWH

EHK|YHU XSSI\OOD NUDYHW DWW RPIDWWDV DY HQ I|UVlNULQJ I|U VNDGHVWnQGV

VN\OGLJKHW Sn JUXQG DY nVLGRVlWWDQGHQ YLG YHUNVDPKHWVXW|YQLQJHQ

DQVYDUVI|UVlNULQJ NDS † UHVSHNWLYH † I|UVWD VW\FNHW ODJHQ RP

I|UVlNULQJVI|UPHGOLQJ 'HW VDNQDV DQOHGQLQJ DWW L GHQ Q\D ODJHQ RP

I|UVlNULQJVGLVWULEXWLRQ VWlOOD XSS HWW NUDY Sn DQVYDUVI|UVlNULQJ I|U GHQQD

JUXSS DY I|UVlNULQJVI|UPHGODUH (Q RUGQLQJ VRP LQQHElU DWW I|UVlNULQJV

I|UPHGODUH VRP EHGULYHU I|UVlNULQJVI|UPHGOLQJ VRP KXYXGVDNOLJ YHUN

VDPKHW LQWH OlQJUH VND NXQQD YDUD DQNQXWHQ WLOO HWW I|UVlNULQJVI|UHWDJ

VNXOOH LQQHElUD HQ P\FNHW LQJULSDQGH I|UlQGULQJ I|U I|UVlNULQJVI|UPHG

OLQJVPDUNQDGHQ 'HW ILQQV GlUI|U DQOHGQLQJ DWW EHKnOOD QXYDUDQGH

RUGQLQJ GYV DWW lYHQ I|UVlNULQJVI|UPHGODUH VRP EHGULYHU I|UVlNULQJV

GLVWULEXWLRQ VRP KXYXGVDNOLJ YHUNVDPKHW VND NXQQD YDUD DQNQXWQD

I|UVlNULQJVI|UPHGODUH 'HW E|U GRFN L VDPPDQKDQJHW XSSPlUNVDPPDV

DWW GHW LQQHElU HQ RUGQLQJ VRP LQWH KDU QnJRW XWWU\FNOLJW VW|G L GLUHNWLYHW

RP I|UVlNULQJVGLVWULEXWLRQ 'LUHNWLYHW NDQ HPHOOHUWLG LQWH DQVHV XWJ|UD

QnJRW KLQGHU PRW HQ VnGDQ UHJOHULQJ Gn GHW LQWH lU IUnJD RP DWW KHOW

XQGDQWD I|UHYDUDQGH JUXSS DY I|UVlNULQJVI|UPHGODUH IUnQ WLOOVWnQGV RFK

UHJLVWUHULQJVSOLNW XWDQ HQGDVW RP DWW NRQWUROOHQ DY GHVVD I|UPHGODUH VND

XWI|UDV DY QnJRQ DQQDQ lQ HQ P\QGLJKHW VH VlUVNLOW VNlO

'HW NDQ GRFN LQWH NRPPD L IUnJD DWW OnWD EDQNHU NUHGLWPDUNQDGVI|UHWDJ

RFK YlUGHSDSSHUVERODJ YDUD DQNQXWQD I|UVlNULQJVI|UPHGODUH L QX DYVHGG

PHQLQJ (Q VnGDQ RUGQLQJ VNXOOH VWn L VWULG PHG UHJOHUQD L GLUHNWLYHW RP

I|UVlNULQJVI|UPHGODUH VRP EHGULYHU I|UPHGOLQJ VRP VLGRYHUNVDPKHW VH

DYVQLWW 6RP DQJHV L DYVQLWW RYDQ lU DOOWVn DYVLNWHQ DWW

opaginerad , GHQ JUXSS VRP HQOLJW I|UVODJHW L GHQQD SURPHPRULD UHJOHULQJHQ Kontrollera mot PDF

I|UVlNULQJVI|UPHGODUH VRP LQWH KDU I|UVlNULQJVGLVWULEXWLRQ VRP KXYXG VDNOLJ YHUNVDPKHW ± PHG XQGDQWDJ I|U YLVVD EDQNHU NUHGLWPDUNQDGV I|UHWDJ RFK YlUGHSDSSHUVERODJ ± VND WLOOK|UD JUXSSHQ DQNQXWQD VLGRYHUN VDPPD I|UVlNULQJVI|UPHGODUH HOOHU L GHQ PnQ HQ I|UVlNULQJVI|UPHGODUH VDNQDU DQNQ\WQLQJ WLOO QnJRQ DQQDQ ± JUXSSHQ VLGRYHUNVDPPD I|UVlN ULQJVI|UPHGODUH

(QOLJW GLUHNWLYHW VND HQ I|UVlNULQJVI|UPHGODUH VRP WLOOK|U JUXSSHQ DQNQXWQD VLGRYHUNVDPPD I|UPHGODUH KD UlWW DWW YDUD DQNQXWHQ LQWH EDUD WLOO HWW I|UVlNULQJVI|UHWDJ XWDQ lYHQ WLOO HQ DQQDQ I|UVlNULQJVI|UPHGODUH VH DYVQLWW 1lU GHW JlOOHU GHQ QX DNWXHOOD JUXSSHQ DY I|UVlNULQJV I|UPHGODUH VRP KDU I|UVlNULQJVGLVWULEXWLRQ VRP KXYXGVDNOLJ YHUNVDPKHW IUDPVWnU GHW LQWH OLND QDWXUOLJW PHG HQ DQNQ\WQLQJ WLOO HQ DQQDQ I|UVlNULQJVI|UPHGODUH 'HW lU KlU IUnJD RP HQ QDWLRQHOO UHJOHULQJ DY GHQQD JUXSS DY I|UPHGODUH RFK GlUI|U VDNQDV DY QDWXUOLJD VNlO NUDY L GLUHNWLYHW Sn DWW DQNQ\WQLQJ WLOO HQ DQQDQ I|UVlNULQJVI|UPHGODUH VND WLOOnWDV 0RW EDNJUXQG DY ULVNHQ I|U VYnU|YHUVNnGOLJD I|UHWDJVVWUXNWXUHU VRP NDQ I|UVYnUD WLOOV\QHQ RFK PHG EHDNWDQGH DY DWW GHW LQWH NDQ I|UXWVHV QnJRW UHHOOW EHKRY DY HQ VnGDQ DQNQ\WQLQJ ILQQV GHW DQOHGQLQJ DWW VWDQQD YLG EHG|PQLQJHQ DWW HQ I|UVlNULQJVI|UPHGODUH VRP EHGULYHU I|UVlNULQJVGLVWULEXWLRQ VRP KXYXGYHUNVDPKHW HQGDVW VND In YDU DQNQXWHQ WLOO HWW I|UVlNULQJVI|UHWDJ

1lVWD IUnJD VRP XSSNRPPHU lU RP GHQQD JUXSS DY I|UVlNULQJV I|UPHGODUH E|U RPIDWWDV DY HQ VlUVNLOG UHJLVWUHULQJVRUGQLQJ (QOLJW I|UVODJHW L GHQQD SURPHPRULD lU KXYXGUHJHOQ DWW I|UVlNULQJVGLVWULEXWLRQ VND In EHGULYDV HQGDVW DY GHQ VRP KDU WLOOVWnQG VH DYVQLWW 'LUHNWLYHW LQQHKnOOHU LQWH QnJRQ GHILQLWLRQ DY DQNQXWHQ I|UVlNULQJV I|UPHGODUH RFK I|OMDNWOLJHQ OlPQDV GHW LQWH KHOOHU QnJRQ XWWU\FNOLJ |SSQLQJ I|U DWW KD HQ VlUVNLOG UHJLVWUHULQJVRUGQLQJ I|U GHQQD JUXSS 7YlUWRP DQJHV GHW L VNlOHQ WLOO GLUHNWLYHW DWW GLUHNWLYHW E|U VlNHUVWlOOD DWW HQ RFK VDPPD NRQVXPHQWVN\GGVQLYn WLOOlPSDV RFK DWW DOOD NRQVXPHQWHU RPIDWWDV DY MlPI|UEDUD QRUPHU 'LUHNWLYHW E|U IUlPMD OLND YLOONRU RFK OLNYlUGLJD NRQNXUUHQVYLOONRU I|U DOOD I|UPHGODUH RDYVHWW RP GHVVD lU NQXWQD WLOO HWW I|UVlNULQJVI|UHWDJ HOOHU HQ I|UPHGODUH HOOHU LQWH VNlO WLOO GLUHNWLYHW

0RW GHQQD EDNJUXQG RFK PHG EHDNWDQGH DY GHW VRP DQI|UV RYDQ DQJnHQGH YHUNVDPKHWHQV DUW RFK RPIDWWQLQJ I|U GHVVD I|UVlNULQJV I|UPHGODUH NDQ GHW LQWH DQVHV YDUD HQ VMlOYNODU XWJnQJVSXQNW DWW DQNQXWQD I|UVlNULQJVI|UPHGODUH lYHQ L IRUWVlWWQLQJHQ VND YDUD XQGDQWDJQD IUnQ WLOOVWnQGVSOLNW $QNQXWQD I|UVlNULQJVI|UPHGODUH XWJ|U HPHOOHUWLG HQ EHW\GDQGH GHO DY PDUNQDGHQ I|U I|UVlNULQJVI|UPHGOLQJ RFK HQ RUGQLQJ VRP LQQHElU DWW VDPWOLJD DQNQXWQD I|UPHGODUH VNXOOH RPIDWWDV DY WLOOVWnQGVSOLNW VNXOOH LQQHElUD HQ P\FNHW VWRU I|UlQGULQJ I|U I|UVlNULQJV I|UPHGOLQJVPDUNQDGHQ (Q VnGDQ RUGQLQJ VNXOOH lYHQ PHGI|UD VlUVNLOGD NRVWQDGHU RFK PHUDUEHWH LQRP UDPHQ I|U WLOOVWnQGVSU|YQLQJHQ .RVWQDGV DVSHNWHQ RFK P|MOLJKHWHUQD WLOO HQ HIIHNWLY KDQWHULQJ E|U WLOOPlWDV HQ VlUVNLOG YLNW PRW EDNJUXQG DY GHW VWRUD DQWDOHW DNW|UHU VRP VNXOOH NRPPD DWW RPIDWWDV DY HQ VnGDQ I|UlQGULQJ DY WLOOVWnQGVSOLNWHQ 'HW lU lYHQ DQJHOlJHW DWW HQ Q\ UHJOHULQJ LQWH VWlOOHU XSS KnUGDUH NUDY lQ Q|GYlQGLJW SURSRUWLRQDOLWHW

, GHQ JUXSS VRP HQOLJW I|UVODJHW L GHQQD SURPHPRULD UHJOHULQJHQ

NRPPHU DWW YDUD DQNQXWQD I|UVlNULQJVI|UPHGODUH JnU GHW HPHOOHUWLG DWW

opaginerad %|U WLOOVWnQGHW NXQQD EHJUlQVDV WLOO YLVVD VODJ DY I|UVlNULQJ RFK YLVVD I|UVlNULQJVNODVVHU" Kontrollera mot PDF

VlUVNLOMD GHQ JUXSS DY I|UVlNULQJVI|UPHGODUH VRP VND GLVWULEXHUD I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU HOOHU SHQVLRQVI|UVlNULQJDU VRP lU H[SRQHUDGH PRW PDUNQDGVYRODWLOLWHW , GHVVD IDOO lU GHW RIWD IUnJD RP I|UVlNULQJDU PHG OnQJD O|SWLGHU RFK VRP LQWH VlOODQ NDQ DYVH EHW\GDQGH SUHPLHEHORSS 'HW lU IUnJD RP I|UVlNULQJDU PHG HWW KXYXG VDNOLJW VSDUDQGHLQVODJ )|UVlNULQJVSURGXNWHUQD L VLJ NDQ W\SLVNW VHWW VlJDV YDUD PHU NRPSOLFHUDGH 0RW GHQ EDNJUXQGHQ ILQQV GHW DQOHGQLQJ DWW J|UD EHG|PQLQJHQ DWW ULVNHQ I|U VNDGD I|U NRQVXPHQWHU lU VW|UUH YLG GLVWULEXWLRQ DY GHVVD I|UVlNULQJDU lQ YLG GLVWULEXWLRQ DY W H[ VNDGH I|UVlNULQJDU RFK DWW EHKRYHW DY NRQVXPHQWVN\GG GlUI|U EOLU VlUVNLOW SnWDJOLJW QlU GHW JlOOHU GHQQD JUXSS DY I|UVlNULQJDU 6RP UHGRYLVDV L DYVQLWW lU GHW OlPSOLJW DWW HQGDVW OnWD WLOOVWnQGVSOLNWLJD I|UVlNULQJV I|UPHGODUH RPIDWWDV DY GHQ XW|NDGH OlPSOLJKHWVSU|YQLQJHQ VRP I|UHVOnV L GHQQD SURPHPRULD 0RW EDNJUXQG DY GHQ EHVNULYQD PDUNQDGHQ VH lYHQ DYVQLWW L IUnJD RP EHKRYHW DY HQ XW|NDG OlPSOLJKHWVSU|YQLQJ IUDPVWnU GHW VRP PRWLYHUDW DWW GHVVD DQNQXWQD I|UVlNULQJVI|UPHGODUH E|U RPIDWWDV DY WLOOVWnQGVSOLNW RFK GlUPHG lYHQ GHQ XW|NDGH OlPSOLJKHWV SU|YQLQJHQ

9LG HQ DYYlJQLQJ PHOODQ HIIHNWLYLWHWV RFK NRVWQDGVVNlO n GHQ HQD VLGDQ RFK EHKRYHW DY |NDG WLOOVWnQGVSOLNW RFK GlUPHG P|MOLJKHW WLOO |NDG OlPSOLJKHWVSU|YQLQJ n GHQ DQGUD VLGDQ EOLU VOXWVDWVHQ DOOWVn DWW PHUSDUWHQ DY GH DQNQXWQD I|UVlNULQJVI|UPHGODUQD E|U WLOOnWDV RPIDWWDV DY GHQ VlUVNLOGD RUGQLQJHQ I|U UHJLVWUHULQJ PHQ DWW GHW I|U DQNQXWQD I|UVlN ULQJVI|UPHGODUH VRP VND GLVWULEXHUD I|UVlNULQJVEDVHUDGH LQYHVWHULQJV SURGXNWHU HOOHU SHQVLRQVI|UVlNULQJDU VRP lU H[SRQHUDGH PRW PDUNQDGV YRODWLOLWHW E|U LQI|UDV HQ WLOOVWnQGVSOLNW

)UnJDQ RP GH IDOO GlU HQ DQNQXWHQ I|UVlNULQJVI|UPHGODUH I|UORUDU VLQ DQNQ\WQLQJ WLOO HWW I|UVlNULQJVI|UHWDJ EHKDQGODV L DYVQLWW

%|U WLOOVWnQGHW NXQQD EHJUlQVDV WLOO YLVVD VODJ DY I|UVlNULQJ RFK YLVVD I|UVlNULQJVNODVVHU"

3URPHPRULDQV I|UVODJ %HVWlPPHOVHUQD RP XSSGHOQLQJ DY WLOOVWnQG L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ VND I|UDV |YHU RI|UlQGUDGH WLOO GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

6NlOHQ I|U SURPHPRULDQV I|UVODJ )|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW LQQHKnOOHU LQWH QnJUD UHJOHU RP EHJUlQVQLQJ DY WLOOVWnQGHW WLOO YLVVD VODJ DY I|UVlNULQJDU HOOHU YLVVD I|UVlNULQJVNODVVHU

3n VDPPD VlWW VRP L GDJ E|U WLOOVWnQG WLOO I|UVlNULQJVGLVWULEXWLRQ NXQQD EHJUlQVDV WLOO YLVVD VODJ DY I|UVlNULQJ bYHQ RP GHW L I|UVlNULQJV DYWDOVODJHQ J|UV HQ XSSGHOQLQJ PHOODQ SHUVRQ RFK VNDGH I|UVlNULQJDU lU GHW PHU QDWXUOLJW DWW DQVOXWD WLOO GHW U|UHOVHEHJUHSS VRP ILQQV L I|UVlNULQJVU|UHOVHODJHQ QlPOLJHQ OLY RFK VNDGHI|UVlNULQJ

'HW NDQ YDUD VYnUW DWW XSSUlWWKnOOD HQ K|J NRPSHWHQV Sn EnGH OLY RFK VNDGHI|UVlNULQJVRPUnGHW PHQ RP HQ I|UPHGODUH lU EHUHGG DWW IRUW O|SDQGH XSSI\OOD GH NUDY VRP VWlOOV ILQQV GHW LQWH QnJRW VNlO DWW KLQGUD WLOOVWnQG WLOO VnYlO OLY VRP VNDGHI|UVlNULQJ bYHQ L IRUWVlWWQLQJHQ E|U GHW YDUD P|MOLJW DWW EHJUlQVD HWW WLOOVWnQG WLOO YLVVD I|UVlNULQJVNODVVHU 'HW E|U

QlPQDV DWW DY GH NQDSSW DQNQXWQD I|UVlNULQJVI|UPHGODUH VRP lU

opaginerad )|UXWVlWWQLQJDU I|U WLOOVWnQG Kontrollera mot PDF

UHJLVWUHUDGH L GDJ lU FLUND DY GHP UHJLVWUHUDGH I|U I|UPHGOLQJ DY HQGDVW VNDGHI|UVlNULQJDU XSSJLIW IUnQ %RODJVYHUNHW L PDUV

6MlOYIDOOHW PnVWH GHW ILQQDV HQ |YHUHQVVWlPPHOVH PHOODQ WLOOVWnQGHW I|U GHQ MXULGLVND SHUVRQHQ RFK NRPSHWHQVHQ KRV GH I\VLVND SHUVRQHU VRP GLVWULEXHUDU I|UVlNULQJDU I|U GHQ MXULGLVND SHUVRQHQV UlNQLQJ 'HQ MXULGLVND SHUVRQHQ VND DOOWVn LQWH NXQQD KD WLOOVWnQG WLOO I|UVlNULQJV GLVWULEXWLRQ RPIDWWDQGH HWW VW|UUH I|UVlNULQJVRPUnGH lQ GHQ KDU NRPSHWHQV I|U L IRUP DY DQVWlOOGD

%HVWlPPHOVHUQD RP XSSGHOQLQJ DY WLOOVWnQG L ODJHQ RP I|UVlNULQJVI|U PHGOLQJ E|U I|UDV |YHU RI|UlQGUDGH WLOO GHQ Q\D ODJHQ RP I|UVlNULQJV GLVWULEXWLRQ

bYHQ I|UVlNULQJVI|UPHGODUH VRP HQGDVW VND UHJLVWUHUDV KRV %RODJV YHUNHW RPIDWWDV DY HQ PRWVYDUDQGH P|MOLJKHW WLOO EHJUlQVQLQJ DY UHJLVWUHULQJHQ WLOO DWW EDUD DYVH YLVVD I|UVlNULQJVVODJ HOOHU I|UVlNULQJV NODVVHU † WUHGMH VW\FNHW 'HW lU Gn GHW DQPlODQGH I|UVlNULQJVI|UHWDJHW HOOHU L I|UHNRPPDQGH IDOO QlU GHW JlOOHU DQNQXWQD VLGRYHUNVDPPD I|U PHGODUH GHQ DQGUD I|UVlNULQJVI|UPHGODUHQ VRP DQVYDUDU I|U DWW HQ DQPlODQ I|U UHJLVWUHULQJ LQWH DYVHU DQGUD I|UVlNULQJVVODJ HOOHU I|UVlN ULQJVNODVVHU lQ VnGDQD VRP GHQ DQPlOGD I|UPHGODUHQ KDU NXQVNDS RFK NRPSHWHQV I|U

)|UXWVlWWQLQJDU I|U WLOOVWnQG

,QOHGQLQJ

)|UVODJHQ L GHQQD SURPHPRULD DYVHHQGH WLOOVWnQG LQQHElU VDPPDQ IDWWQLQJVYLV DWW I|UVlNULQJVGLVWULEXWLRQ HQOLJW KXYXGUHJHOQ EDUD VND In EHGULYDV HIWHU WLOOVWnQG RFK UHJLVWUHULQJ 6RP IUDPJnU L DYVQLWW VND VnYlO MXULGLVND SHUVRQHU VRP I\VLVND SHUVRQHU NXQQD In WLOOVWnQG RFK UHJLVWUHUDV VRP I|UVlNULQJVI|UPHGODUH 2P I|UVlNULQJVGLVWULEXWLRQHQ EHGULYV DY HQ MXULGLVN SHUVRQ lU GHW GRFN HQGDVW GHQ MXULGLVND SHUVRQHQ VRP VND RPIDWWDV DY WLOOVWnQGV RFK UHJLVWUHULQJVVN\OGLJKHWHQ )|UVlN ULQJVI|UPHGODUH VND HQOLJW I|UVODJHW NXQQD UHJLVWUHUDV RP GH lU DQNQXWQD I|UVlNULQJVI|UPHGODUH VRP LQWH DYVHU DWW GLVWULEXHUD I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU HOOHU SHQVLRQVI|UVlNULQJDU VRP lU H[SRQHUDGH PRW PDUNQDGVYRODWLOLWHW HOOHU VRP DQNQXWQD VLGRYHUNVDPPD I|UVlNULQJV I|UPHGODUH

, GH I|OMDQGH DYVQLWWHQ EHKDQGODV I|UXWVlWWQLQJDUQD I|U WLOOVWnQG )|UVODJHQ LQQHElU VDPPDQIDWWQLQJVYLV I|OMDQGH 7LOOVWnQG InU EDUD JHV RP I|UPHGODUHQ KDU OlPSOLJ NXQVNDS RFK NRPSHWHQV VDPW JRG YDQGHO 'HVVD NUDY VND VWlOODV Sn I\VLVND SHUVRQHU VRP XW|YDU GLVWULEXWLRQVYHUNVDPKHW Sn DQVWlOOGD VRP GLUHNW GHOWDU L GLVWULEXWLRQHQ DY I|UVlNULQJDU VDPW Sn OHGQLQJHQ KRV MXULGLVND SHUVRQHU 'lUXW|YHU LQI|UV HWW Q\WW NUDY Sn OlPSOLJKHW L |YULJW 9LGDUH VND GHW VWlOODV NUDY Sn DQVYDUVI|UVlNULQJ I|U I|UPHGODUH VRP LQWH lU DQNQXWQD RFK GlUPHG DJHUDU Sn QnJRQ DQQDQV DQVYDU

)|U I|UVlNULQJVI|UPHGODUH VRP EHK|YHU WLOOVWnQG VND NRQWUROOHQ DY DWW I|UPHGODUHQ XSSI\OOHU I|UXWVlWWQLQJDUQD I|U WLOOVWnQG J|UDV DY )LQDQV LQVSHNWLRQHQ )|UPHGODUHQ VND VHGDQ OnWD VLJ UHJLVWUHUDV KRV %RODJV

YHUNHW 1lU GHW JlOOHU DQNQXWQD VLGRYHUNVDPPD I|UPHGODUH RFK DQNQXWQD

opaginerad I|UVlNULQJVI|UPHGODUH VRP LQWH DYVHU DWW GLVWULEXHUD I|UVlNULQJVEDVHUDGH Kontrollera mot PDF

I|UVlNULQJVI|UPHGODUH VRP LQWH DYVHU DWW GLVWULEXHUD I|UVlNULQJVEDVHUDGH

LQYHVWHULQJVSURGXNWHU HOOHU SHQVLRQVI|UVlNULQJDU VRP lU H[SRQHUDGH PRW

PDUNQDGVYRODWLOLWHW VND PRWVYDUDQGH NRQWUROO J|UDV DY GHQ VRP DQPlOHU

I|UVlNULQJVI|UPHGODUHQ I|U UHJLVWUHULQJ

.XQVNDS RFK NRPSHWHQV

3URPHPRULDQV I|UVODJ )|U DWW HQ I\VLVN SHUVRQ VND In WLOOVWnQG HOOHU

EOL UHJLVWUHUDG VRP I|UVlNULQJVI|UPHGODUH NUlYV DWW KDQ HOOHU KRQ KDU

OlPSOLJ NXQVNDS RFK NRPSHWHQV I|U GHQ YHUNVDPKHW VRP VND XW|YDV

(Q I\VLVN SHUVRQ VND JHQRPJn IRUWO|SDQGH IRUWELOGQLQJ RFK \UNHV

XWYHFNOLQJ

$QVWlOOGD VRP GLUHNW GHOWDU L GLVWULEXWLRQHQ DY I|UVlNULQJDU I|U HQ

MXULGLVN SHUVRQV UlNQLQJ VND XSSI\OOD NUDYHQ Sn NXQVNDS RFK

NRPSHWHQV VDPW IRUWO|SDQGH XWELOGQLQJ RFK \UNHVXWYHFNOLQJ bYHQ

DQVWlOOGD KRV I|UVlNULQJVI|UHWDJ VRP GLUHNW GHOWDU L GLVWULEXWLRQHQ DY

I|UVlNULQJDU VND XSSI\OOD NUDYHQ Sn NXQVNDS RFK NRPSHWHQV VDPW

IRUWO|SDQGH XWELOGQLQJ RFK \UNHVXWYHFNOLQJ 'HW lU GHQ MXULGLVND

SHUVRQHQ UHVSHNWLYH I|UVlNULQJVI|UHWDJHW VRP VND NRQWUROOHUD DWW GHVVD

NUDY XSSI\OOV

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU

PHGGHOD I|UHVNULIWHU RP YLONHQ NXQVNDS RFK NRPSHWHQV VRP VND

NUlYDV VDPW YDG VRP DYVHV PHG IRUWO|SDQGH IRUWELOGQLQJ RFK \UNHV

XWYHFNOLQJ

6NlOHQ I|U SURPHPRULDQV I|UVODJ

Gällande rätt

)|UXWVlWWQLQJDUQD I|U VYHQVND I\VLVND SHUVRQHU DWW XW|YD I|UVlNULQJV

I|UPHGOLQJ DQJHV L GDJ L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ NDS † (WW

DY NUDYHQ I|U WLOOVWnQG I|U HQ VYHQVN I\VLVN SHUVRQ DWW XW|YD I|UVlNULQJV

I|UPHGOLQJ lU DWW KDQ HOOHU KRQ KDU OlPSOLJ NXQVNDS RFK NRPSHWHQV I|U

GHQ YHUNVDPKHW VRP VND XW|YDV )|U MXULGLVND SHUVRQHU JlOOHU DWW GH

DQVWlOOGD VRP VND I|UPHGOD I|UVlNULQJDU VND XSSI\OOD GHWWD NUDY NDS

† I|UVWD VW\FNHW

)LQDQVLQVSHNWLRQHQ KDU PHGGHODW I|UHVNULIWHU PHG QlUPDUH EHVWlP

PHOVHU RP NUDYHQ I|U DWW In WLOOVWnQG DWW XW|YD I|UVlNULQJVI|UPHGOLQJ VH

EHP\QGLJDQGHQ L NDS RFK †† I|UVlNULQJVI|UPHGOLQJVODJHQ RFK

YLGDUHGHOHJDWLRQ L NDS † ± I|URUGQLQJHQ RP I|UVlNULQJVI|UPHG

OLQJ , )LQDQVLQVSHNWLRQHQV I|UHVNULIWHU ILQQV EO D QlUPDUH EHVWlPPHOVHU

RP NUDYHQ Sn NXQVNDS RFK NRPSHWHQV NDS )LQDQVLQVSHNWLRQHQV I|UH

VNULIWHU RFK DOOPlQQD UnG >)))6 @ RP I|UVlNULQJVI|UPHGOLQJ

Försäkringsdistributionsdirektivet

, GLUHNWLYHW RP I|UVlNULQJVGLVWULEXWLRQ ILQQV GHW UHJOHU RP \UNHVNUDY

DUWLNHO L GLUHNWLYHW )|UVlNULQJVGLVWULEXW|UHU RFK DQVWlOOGD KRV

I|UVlNULQJVI|UHWDJ VRP XWI|U I|UVlNULQJVGLVWULEXWLRQVYHUNVDPKHW VND KD

OlPSOLJ NXQVNDS RFK NRPSHWHQV Vn DWW GH NDQ IXOOJ|UD VLQD XSSJLIWHU RFK

VN\OGLJKHWHU Sn HWW WLOOIUHGVVWlOODQGH VlWW DUWLNHO , GLUHNWLYHW ILQQV

opaginerad Genomförande i svensk rätt Kontrollera mot PDF

GHW WLOO VNLOOQDG IUnQ L GLUHNWLYHW RP I|UVlNULQJVI|UPHGOLQJ lYHQ UHJOHU RP DWW QlPQGD JUXSS lYHQ VND XSSI\OOD NUDY Sn IRUWO|SDQGH IRUWELOGQLQJ RFK \UNHVXWYHFNOLQJ Vn DWW GH NDQ XWI|UD VLQD DUEHWVXSSJLIWHU Sn HWW WLOOIUHGVVWlOODQGH VlWW VRP PRWVYDUDU GHUDV UROO RFK GHQ UHOHYDQWD PDUNQDGHQ DUWLNHO .UDYHQ Sn NXQVNDS RFK NRPSHWHQV VND DQSDVVDV XWLIUnQ I|UVlNULQJVGLVWULEXW|UHQV VlUVNLOGD YHUNVDPKHW RFK WLOO GH SURGXNWHU VRP GLVWULEXHUDV YLONHW JlOOHU VlUVNLOW I|U GH I|UVlNULQJV I|UPHGODUH VRP EHGULYHU I|UPHGOLQJ VRP VLGRYHUNVDPKHW DUWLNHO IHPWH VW\FNHW

'H NUDY VRP VWlOOV XSS L GLUHNWLYHW L QX DNWXHOOW DYVHHQGH EHK|YHU LQWH WLOOlPSDV Sn DOOD I\VLVND SHUVRQHU VRP DUEHWDU Sn HWW I|UVlNULQJVI|UHWDJ HOOHU KRV HQ I|UVlNULQJVI|UPHGODUH VRP EHGULYHU I|UVlNULQJVGLVWULEXWLRQ 'lUHPRW VND GHW VlNHUVWlOODV DWW GH UHOHYDQWD SHUVRQHUQD L OHGQLQJHQ I|U VnGDQD I|UHWDJ VRP DQVYDUDU I|U GLVWULEXWLRQHQ DY I|UVlNULQJDU VDPW DOOD DQGUD SHUVRQHU VRP GLUHNW GHOWDU L GLVWULEXWLRQHQ DY I|UVlNULQJDU XSSI\OOHU NUDYHW Sn NXQVNDS RFK NRPSHWHQV VDPW NUDYHW Sn IRUWO|SDQGH XWELOGQLQJ RFK \UNHVXWYHFNOLQJ VH YLGDUH DYVQLWW

Genomförande i svensk rätt

)|UVlNULQJVI|UPHGODUH I\OOHU HQ P\FNHW YLNWLJ IXQNWLRQ L I|UVlNULQJV VHNWRUQ 6nYlO I|UVlNULQJVJLYDUH VRP I|UVlNULQJVWDJDUH PnVWH NXQQD XWJn IUnQ DWW HQ I|UPHGODUH KDU Q|GYlQGLJD \UNHVNXQVNDSHU 'HW ILQQV GlUI|U DQOHGQLQJ DWW Sn GHWWD RPUnGH KD K|JW VWlOOGD NUDY Sn NXQVNDS RFK NRPSHWHQV

6RP DQJHV L DYVQLWW NDQ HQ I|UVlNULQJVI|UPHGODUHV WLOOVWnQG HOOHU UHJLVWUHULQJ DYVH DOOD I|UVlNULQJVVODJ PHQ WLOOVWnQGHW HOOHU UHJLVWUHULQJHQ NDQ RFNVn YDUD EHJUlQVDGH WLOO W H[ HQGDVW HQ I|UVlNULQJVNODVV (Q QDWXUOLJ XWJnQJVSXQNW lU GlUI|U DWW NUDYHQ Sn NXQVNDS RFK NRPSHWHQV VND YDUD DQSDVVDGH HIWHU GHQ YHUNVDPKHW VRP I|UPHGODUHQ KDU UlWW DWW XW|YD 'HW E|U VlUVNLOW EHWRQDV DWW P|MOLJKHWHQ WLOO DQSDVVQLQJ DY NUDYHQ JlOOHU I|U VnYlO DQNQXWQD I|UPHGODUH HOOHU DQNQXWQD VLGRYHUNVDPPD I|UPHGODUH VRP |YULJD I|UPHGODUH 'HW DQI|UGD VND lYHQ WLOOlPSDV EHWUlIIDQGH NUDYHW Sn IRUWELOGQLQJ RFK \UNHVXWYHFNOLQJ

'HW lU LQWH P|MOLJW RFK LQWH KHOOHU OlPSOLJW DWW L ODJ VOn IDVW YDG VRP VND DYVHV PHG OlPSOLJ NXQVNDS RFK NRPSHWHQV HOOHU YDG VRP DYVHV PHG IRUWO|SDQGH IRUWELOGQLQJ RFK \UNHVXWYHFNOLQJ , GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ E|U GlUI|U HQGDVW WDV LQ DOOPlQQD NUDY VRP PRWVYDUDU GHP L GLUHNWLYHW .UDYHQ Sn NXQVNDS RFK NRPSHWHQV E|U DYJUlQVDV WLOO DWW JlOOD GHQ PLQVWD NUHWV VRP DQJHV L GLUHNWLYHW GYV GH VRP VND RPIDWWDV lU I|UVlNULQJVI|UPHGODUH VRP lU I\VLVND SHUVRQHU RFK GH VRP lU DQVWlOOGD DY HQ I|UVlNULQJVI|UPHGODUH VRP lU MXULGLVND SHUVRQHU RFK VRP GLUHNW GHOWDU L GLVWULEXWLRQHQ DY I|UVlNULQJDU I|U GHQ MXULGLVND SHUVRQHQV UlNQLQJ bYHQ DQVWlOOGD L I|UVlNULQJVI|UHWDJ VRP EHGULYHU I|UVlNULQJVGLVWULEXWLRQ RPIDWWDV DY GHW DNWXHOOD NUDYHW L GHQ PnQ GH DQVWlOOGD GLVWULEXHUDU I|UVlNULQJDU I|U I|UVlNULQJVI|UHWDJHWV UlNQLQJ 'HW VNXOOH I|UD I|U OnQJW DWW OnWD NXQVNDSV RFK NRPSHWHQVNUDYHQ RPIDWWD DOOD DQVWlOOGD KRV HQ I|UVlNULQJVGLVWULEXW|U W H[ lYHQ DQVWlOOGD VRP lJQDU VLJ nW LW HOOHU DGPLQLVWUDWLRQ )|U YlJOHGQLQJ NULQJ YDG VRP VND JlOOD DYVHHQGH OHGQLQJVSHUVRQHU KlQYLVDV WLOO DYVQLWWHW RP lJDU RFK

OHGQLQJVSU|YQLQJ DYVQLWW

opaginerad WUHGMH VW\FNHW Kontrollera mot PDF

'H QlUPDUH UHJOHUQD RP YDG VRP VND JlOOD L IUnJD RP NUDYHQ Sn

NXQVNDS RFK NRPSHWHQV VDPW IRUWELOGQLQJ RFK \UNHVXWYHFNOLQJ E|U

EHVWlPPDV L I|UHVNULIWHU VRP PHGGHODV DY UHJHULQJHQ HOOHU GHQ

P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU )|UHVNULIWHUQD E|U EHVOXWDV HIWHU

VDPUnG PHG EUDQVFKI|UHWUlGDUH 'HW E|U KlUYLG IUDPKnOODV DWW GLUHNWLYHW

DUWLNHO DQGUD VW\FNHW LQQHKnOOHU HWW NUDY Sn DWW LQI|UD RFK RIIHQWOLJ

J|UD SURFHVVHU I|U DWW Sn HWW lQGDPnOVHQOLJW VlWW NRQWUROOHUD RFK EHG|PD

NXQVNDSHQ RFK NRPSHWHQVHQ KRV GH DNWXHOOD JUXSSHUQD EDVHUDW Sn PLQVW

WLPPDUV IRUWELOGQLQJ RFK \UNHVXWYHFNOLQJ SHU nU +lQV\Q VND GRFN WDV

WLOO GH VnOGD SURGXNWHUQDV NDUDNWlU W\SHQ DY GLVWULEXW|U SHUVRQHUQDV

UHVSHNWLYH UROOHU RFK GHQ YHUNVDPKHW VRP EHGULYV LQRP I|UVlNULQJV

GLVWULEXWLRQHQ (WW IUDPJnQJVULNW IXOOJ|UDQGH DY GHQ IRUWELOGQLQJ RFK

\UNHVXWYHFNOLQJ VRP NUlYV NDQ VW\UNDV JHQRP HWW LQW\J DUWLNHO

WUHGMH VW\FNHW

1lU GHW JlOOHU GHW QlUPDUH LQQHKnOOHW L UHJOHUQD RP NXQVNDS RFK

NRPSHWHQV NDQ I|OMDQGH DOOPlQQD |YHUYlJDQGHQ RFK EHG|PQLQJDU J|UDV

$OOD I|UPHGODUH E|U KD NXQVNDS RP GH UHJOHU VRP JlOOHU I|U I|UVlNULQJV

GLVWULEXWLRQ GYV L I|UVWD KDQG GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

RFK I|UHVNULIWHU RFK DOOPlQQD UnG VRP NRPPHU DWW NRPSOHWWD ODJHQ

'lUXW|YHU E|U DOOD I|UPHGODUH KD NXQVNDS RP GHQ HOOHU GH I|UVlNULQJV

SURGXNWHU VRP KDQ HOOHU KRQ I|UPHGODU YLONHW NUlYHU VnYlO YLVV JUXQG

OlJJDQGH NXQVNDS RP I|UVlNULQJ L DOOPlQKHW VRP PHU GHWDOMHUDG NXQVNDS

RP GHW DNWXHOOD SURGXNWRPUnGHW , YLVVD IDOO WRUGH GHW YDUD Q|GYlQGLJW

PHG P\FNHW JRGD NXQVNDSHU LQRP ROLND VSHFLDORPUnGHQ W H[ YLG

I|UPHGOLQJ DY I|UVlNULQJDU PRW VWRUD ULVNHU 8W|YHU GHVVD NXQVNDSHU NDQ

GHW EHURHQGH Sn GHQ YHUNVDPKHW VRP VND EHGULYDV YDUD Q|GYlQGLJW I|U

HQ I|UPHGODUH DWW KD NRPSHWHQV LQRP HWW DQWDO ROLND RPUnGHQ .XQVNDSHU

L W H[ I|UVlNULQJVUlWW FLYLOUlWW VNDWWHUlWW RFK HNRQRPL WRUGH YDUD

Q|GYlQGLJD I|U PnQJD I|UPHGODUH OLNVRP NXQVNDSHU L PHU VSHFLILND

IUnJRU VnVRP nWJlUGHU PRW SHQQLQJWYlWW RFK RP UnGJLYQLQJ 8W|YHU

GHVVD |YHUYlJDQGHQ RFK EHG|PQLQJDU E|U GHW NRPPDQGH I|UHVNULIWV

DUEHWHW WD VLQ XWJnQJVSXQNW L GH \UNHVNXQVNDSV RFK NRPSHWHQVNUDY VRP

I|UHVNULYV L ELODJD WLOO GLUHNWLYHW MIU DUWLNHO IMlUGH VW\FNHW

)UnJRU NULQJ NYDOLWHWVNUDY Sn XWELOGQLQJHQ E|U |YHUYlJDV RFK

EHKDQGODV LQRP UDPHQ I|U GHW NRPPDQGH I|UHVNULIWVDUEHWHW

9LVVD |YULJD I|UXWVlWWQLQJDU I|U WLOOVWnQG

3URPHPRULDQV I|UVODJ %HVWlPPHOVHUQD RP I|UXWVlWWQLQJDUQD I|U

WLOOVWnQG I|U I|UVlNULQJVI|UPHGOLQJ L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ

I|UV |YHU L KXYXGVDN RI|UlQGUDGH WLOO GHQ Q\D ODJHQ RP I|UVlNULQJV

GLVWULEXWLRQ

8W|YHU NUDYHQ Sn NXQVNDS RFK NRPSHWHQV VND NUDYHQ Sn DWW LQWH

YDUD XQGHUnULJ I|UVDWW L NRQNXUV P P RFK JRG YDQGHO lYHQ WLOOlPSDV

Sn DQVWlOOGD KRV I|UVlNULQJVI|UHWDJ VRP GLUHNW GHOWDU L GLVWULEXWLRQHQ

DY I|UVlNULQJDU 'HW lU I|UVlNULQJVI|UHWDJHW VRP VND NRQWUROOHUD DWW

GHVVD NUDY lU XSSI\OOGD

5HJHULQJHQ InU PHGGHOD I|UHVNULIWHU RP YLOND DOOYDUOLJD I|UP|J

HQKHWVEURWW RFK YLONHQ DOOYDUOLJ HNRQRPLVN EURWWVOLJKHW VRP DYVHV RFK

RP KXU UHJLVWHUNRQWUROOHQ VND Jn WLOO

opaginerad LDNWWD L VDPEDQG PHG NRQWUROO DY DQVWlOOGD Kontrollera mot PDF

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU

PHGGHOD I|UHVNULIWHU RP YDG VRP VND DYVHV PHG VN|WVDPKHW L HNR

QRPLVND DQJHOlJHQKHWHU RFK YDG GHQ MXULGLVND SHUVRQHQ L |YULJW VND

LDNWWD L VDPEDQG PHG NRQWUROO DY DQVWlOOGD

6NlOHQ I|U SURPHPRULDQV I|UVODJ

Gällande rätt

)|UXWVlWWQLQJDUQD I|U VYHQVND I\VLVND SHUVRQHU DWW XW|YD I|UVlNULQJV I|UPHGOLQJ DQJHV L GDJ L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ NDS † 7LOOVWnQG I|U HQ VYHQVN I\VLVN SHUVRQ DWW XW|YD I|UVlNULQJVI|UPHGOLQJ InU JHV EDUD RP GHQ I\VLVND SHUVRQHQ

LQWH lU XQGHUnULJ L NRQNXUV HOOHU XQGHUNDVWDG QlULQJVI|UEXG HOOHU KDU I|UYDOWDUH HQOLJW NDS † I|UlOGUDEDONHQ

LQWH I|UHNRPPHU L GHW UHJLVWHU VRP I|UV HQOLJW ODJHQ RP

EHODVWQLQJVUHJLVWHU DYVHHQGH YLVVD DOOYDUOLJD I|UP|JHQKHWVEURWW HOOHU YLVV DOOYDUOLJ HNRQRPLVN EURWWVOLJKHW RFK KDU YLVDW VN|WVDPKHW L HNRQRPLVND DQJHOlJHQKHWHU

KDU OlPSOLJ NXQVNDS RFK NRPSHWHQV I|U GHQ YHUNVDPKHW VRP VND XW|YDV RFK

RPIDWWDV DY HQ I|UVlNULQJ I|U VNDGHVWnQGVVN\OGLJKHW VRP NDQ nOlJJDV GHQQH RP KDQ HOOHU KRQ nVLGRVlWWHU VLQD VN\OGLJKHWHU

)|U MXULGLVND SHUVRQHU JlOOHU DWW GH DQVWlOOGD VRP VND I|UPHGOD

I|UVlNULQJDU VND XSSI\OOD NUDYHQ L SXQNWHUQD ± RYDQ NDS † I|UVWD VW\FNHW VDPPD ODJ 9LGDUH InU GHQ MXULGLVND SHUVRQHQ LQWH YDUD L NRQ NXUV HOOHU OLNYLGDWLRQ (WW NUDY Sn I|UVlNULQJ I|U VNDGHVWnQGVVN\OGLJKHW DQVYDUVI|UVlNULQJ JlOOHU lYHQ I|U MXULGLVND SHUVRQHU 6OXWOLJHQ VND GHQ VRP VND LQJn L GHQ MXULGLVND SHUVRQHQV OHGQLQJ HOOHU YDUD HUVlWWDUH I|U GHQQH XSSI\OOD NUDYHW L SXQNWHQ RYDQ VDPW KD WLOOUlFNOLJ LQVLNW RFK HUIDUHQKHW I|U DWW GHOWD L OHGQLQJHQ DY HQ MXULGLVN SHUVRQ VRP XW|YDU I|UVlNULQJVI|UPHGOLQJ 'HQ MXULGLVND SHUVRQHQ VND VMlOY NRQWUROOHUD DWW GH DQVWlOOGD XSSI\OOHU GH NUDY VRP JlOOHU I|U GHP NDS † DQGUD VW\FNHW VDPPD ODJ

0HG YLVVD DOOYDUOLJD I|UP|JHQKHWVEURWW HOOHU YLVV DOOYDUOLJ HNRQRPLVN

EURWWVOLJKHW DYVHV EURWW HOOHU PHGKMlOS WLOO EURWW HQOLJW HOOHU NDS EURWWVEDONHQ VNDWWHEURWWVODJHQ ODJHQ RP I|UEXG PRW MXULGLVNW HOOHU HNRQRPLVNW ELWUlGH HOOHU ODJHQ RP VWUDII I|U PDUNQDGVPLVVEUXN YLG KDQGHO PHG ILQDQVLHOOD LQVWUXPHQW NDS † I|URUGQLQJHQ RP I|UVlNULQJVI|UPHGOLQJ

)LQDQVLQVSHNWLRQHQ KDU PHGGHODW I|UHVNULIWHU PHG QlUPDUH EHVWlP

PHOVHU RP NUDYHQ I|U DWW In WLOOVWnQG DWW XW|YD I|UVlNULQJVI|UPHGOLQJ VH EHP\QGLJDQGHQ L NDS RFK †† I|UVlNULQJVI|UPHGOLQJVODJHQ RFK YLGDUHGHOHJDWLRQ L NDS † ± I|UVlNULQJVI|UPHGOLQJVI|URUGQLQJHQ , I|UHVNULIWHUQD SUHFLVHUDV NUDYHW Sn VN|WVDPKHW L HNRQRPLVND DQJHOlJ HQKHWHU Sn Vn VlWW DWW YLVVD IXQNWLRQlUHU L ERODJ VRP XW|YDU I|UVlNULQJV I|UPHGOLQJ EO D LQWH InU YDUD L NRQNXUV NDS † )LQDQVLQVSHNWLRQHQV I|UHVNULIWHU RFK DOOPlQQD UnG RP I|UVlNULQJVI|UPHGOLQJ 9LGDUH InU GHQ VRP VND I|UPHGOD I|UVlNULQJDU HOOHU LQJn L OHGQLQJHQ I|U HQ MXULGLVN SHUVRQ VRP VND I|UPHGOD I|UVlNULQJDU LQWH KD VNXOGHU VRP |YHUVWLJHU

NURQRU RFK VRP YHUNVWlOOV KRV .URQRIRJGHP\QGLJKHWHQ NDS

opaginerad QlUPDUH EHVWlPPHOVHU RP NUDYHQ Sn DQVYDUVI|UVlNULQJ NDS Kontrollera mot PDF

† (Q VnGDQ SHUVRQ InU LQWH KHOOHU XQGHU GH VHQDVWH IHP nUHQ KD InWW HWW

WLOOVWnQG HOOHU HQ UHJLVWUHULQJ VRP I|UVlNULQJVI|UPHGOLQJ nWHUNDOODG Sn

JUXQG DY DWW SHUVRQHQ KDU nVLGRVDWW VLQD VN\OGLJKHWHU VRP I|UVlNULQJV

I|UPHGODUH 6OXWOLJHQ InU SHUVRQHQ L IUnJD LQWH KD LQJnWW L OHGQLQJHQ I|U HQ

MXULGLVN SHUVRQ I|U YLONHW HWW WLOOVWnQG HOOHU HQ UHJLVWUHULQJ KDU nWHUNDOODWV

Sn Vn VlWW 'HWVDPPD JlOOHU RP SHUVRQHQ LQJLFN L OHGQLQJHQ LQRP VH[

PnQDGHU I|UH nWHUNDOOHOVHQ , )LQDQVLQVSHNWLRQHQV I|UHVNULIWHU ILQQV lYHQ

QlUPDUH EHVWlPPHOVHU RP NUDYHQ Sn DQVYDUVI|UVlNULQJ NDS

Försäkringsdistributionsdirektivet

(QOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW VND I\VLVND SHUVRQHU VRP DUEHWDU

Sn HWW I|UVlNULQJVI|UHWDJ HOOHU KRV HQ I|UVlNULQJVI|UPHGODUH RFK VRP

XWI|U I|UVlNULQJVGLVWULEXWLRQ KD JRG YDQGHO DUWLNHO (WW PLQLPLNUDY

VRP VWlOOV XSS GlU lU DWW GH LQWH KDU QnJUD DQPlUNQLQJDU L EHODVWQLQJV

UHJLVWUHW HOOHU L QnJRW DQQDW PRWVYDUDQGH QDWLRQHOOW UHJLVWHU I|U DOOYDUOLJD

EURWW PHG DQNQ\WQLQJ WLOO HJHQGRPVEURWW HOOHU DQGUD EURWW L VDPEDQG PHG

HNRQRPLVN YHUNVDPKHW RFK DWW GH LQWH WLGLJDUH VND KD I|UVDWWV L NRQNXUV

VnYLGD GH LQWH KDU EOLYLW UHKDELOLWHUDGH L HQOLJKHW PHG QDWLRQHOO UlWW

0HGOHPVVWDWHUQD InU WLOOnWD DWW I|UVlNULQJVGLVWULEXW|UHQ NRQWUROOHUDU DWW

GHVV DQVWlOOGDV RFK L GH IDOO GHW lU OlPSOLJW I|UVlNULQJVI|UPHGODUHQV

YDQGHO lU JRG DUWLNHO DQGUD VW\FNHW

0HGOHPVVWDWHUQD EHK|YHU LQWH WLOOlPSD NUDYHW Sn JRG YDQGHO Sn DOOD

I\VLVND SHUVRQHU VRP DUEHWDU Sn HWW I|UVlNULQJVI|UHWDJ HOOHU KRV HQ

I|UVlNULQJVI|UPHGODUH I|UXWVDWW DWW GHVVD I\VLVND SHUVRQHU LQWH lU GLUHNW

LQYROYHUDGH L I|UVlNULQJVGLVWULEXWLRQHQ 0HGOHPVVWDWHUQD VND GRFN VlNHU

VWlOOD DWW GH SHUVRQHU L OHGQLQJHQ VRP DQVYDUDU I|U ± RFK SHUVRQDO VRP lU

GLUHNW LQYROYHUDG L ± I|UVlNULQJVGLVWULEXWLRQHQ XSSI\OOHU NUDYHW DUWLNHO

WUHGMH VW\FNHW

0HGOHPVVWDWHUQD VND EHWUlIIDQGH I|UVlNULQJVI|UPHGODUH VRP EHGULYHU

I|UPHGOLQJ VRP VLGRYHUNVDPKHW VH WLOO DWW GH SHUVRQHU VRP DQVYDUDU I|U

I|UVlNULQJVGLVWULEXWLRQHQ VRP VLGRYHUNVDPKHW XSSI\OOHU NUDYHW Sn JRG

YDQGHO DUWLNHO IMlUGH VW\FNHW

Kravet på god vandel ska kvarstå

.UDYHW Sn JRG YDQGHO ILQQV lYHQ L I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW VRP

KDU JHQRPI|UWV L VYHQVN UlWW JHQRP ODJHQ RP I|UVlNULQJVI|UPHGOLQJ

NDS RFK †† 8WJnQJVSXQNWHQ E|U GlUI|U YDUD DWW GH QX DNWXHOOD

EHVWlPPHOVHUQD L GHQ ODJHQ E|U I|UDV |YHU WLOO GHQ Q\D ODJHQ RP

I|UVlNULQJVGLVWULEXWLRQ 1|GYlQGLJD DQSDVVQLQJDU WLOO GLUHNWLYHW RP

I|UVlNULQJVGLVWULEXWLRQ E|U lYHQ J|UDV

.UDYHW Sn JRG YDQGHO RPIDWWDU I\VLVND SHUVRQHU VRP lU I|UVlNULQJV

I|UPHGODUH VDPW I\VLVND SHUVRQHU VRP DUEHWDU L HWW I|UVlNULQJVI|UHWDJ

HOOHU KRV HQ I|UVlNULQJVI|UPHGODUH RFK VRP XWI|U I|UVlNULQJVGLVWULEXWLRQ

XQGHU I|UXWVlWWQLQJ DWW GHQ I\VLVND SHUVRQHQ lU GLUHNW LQYROYHUDG L

I|UVlNULQJVGLVWULEXWLRQ 'lUXW|YHU WUlIIDU NUDYHW Sn JRG YDQGHO lYHQ GH

VRP LQJnU L OHGQLQJHQ I|U HQ MXULGLVN SHUVRQ VRP DQVYDUDU I|U

I|UVlNULQJVGLVWULEXWLRQ lYHQ LQEHJULSHW OHGQLQJHQ I|U I|UVlNULQJVI|UHWDJ

RP OHGQLQJVSU|YQLQJ VH DYVQLWW .UHWVHQ DY GH SHUVRQHU VRP

RPIDWWDV DY YDQGHOVNUDYHW lU L DOOW YlVHQWOLJW GHQVDPPD VRP HQOLJW

I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW (Q VNLOOQDG lU GRFN DWW DQVWlOOGD KRV

opaginerad Vilka register bör kontrolleras? Kontrollera mot PDF

I|UVlNULQJVI|UHWDJ NRPPHU DWW RPIDWWDV DY NUDYHW *HQRP I|UXW VlWWQLQJHQ DWW SHUVRQHQ VND YDUD GLUHNW LQYROYHUDG L I|UVlNULQJV GLVWULEXWLRQHQ DYJUlQVDV IUnQ GHQ EHU|UGD NUHWVHQ EO D DUEHWVWDJDUH LQRP DGPLQLVWUDWLRQ RFK LW HOOHU VWlGSHUVRQDO RFK OLNQDQGH SHUVRQDONDWHJRULHU VRP LQWH KDU QnJRQ QDWXUOLJ NRSSOLQJ WLOO I|UVlNULQJVGLVWULEXWLRQHQ 'LUHNWLYHWV NUDY Sn NRQNXUVIULKHW E|U lYHQ WLOOlPSDV Sn MXULGLVND SHUVRQHU 'lUXW|YHU E|U GHW NUlYDV DWW GHQ MXULGLVND SHUVRQHQ LQWH lU L OLNYLGDWLRQ MIU † UHYLVRUVODJHQ > @

Vilka register bör kontrolleras?

, I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW IRUPXOHUDGHV PLQLPLNUDYHW VRP DWW HQ I|UVlNULQJVI|UPHGODUH LQWH InU ILQQDV ´L SROLVUHJLVWUHW HOOHU L QnJRW PRWVYDUDQGH QDWLRQHOOW UHJLVWHU´ DUWLNHO , I|UVlNULQJVGLVWULEX WLRQVGLUHNWLYHW DQJHV L VWlOOHW DWW I\VLVND SHUVRQHU LQWH InU KD QnJUD DQPlUNQLQJDU ´L EHODVWQLQJVUHJLVWUHW HOOHU L QnJRW DQQDW PRWVYDUDQGH QDWLRQHOOW UHJLVWHU´ DUWLNHO I|UVWD VW\FNHW

6\IWHW PHG EHODVWQLQJVUHJLVWUHW lU DWW JH LQIRUPDWLRQ RP VnGDQD EHODVWQLQJVXSSJLIWHU VRP EHK|YV L YLVV YHUNVDPKHW KRV SROLV VNDWWH WXOO RFK nNODJDUP\QGLJKHWHU RFK DOOPlQQD GRPVWRODU 5HJLVWUHW KDU RFNVn WLOO lQGDPnO DWW JH LQIRUPDWLRQ WLOO P\QGLJKHWHU YLG VnGDQ OlPSOLJ KHWVSU|YQLQJ WLOOVWnQGVSU|YQLQJ HOOHU DQQDQ SU|YQLQJ VRP DQJHV L I|UIDWWQLQJ %HODVWQLQJVUHJLVWUHW LQQHKnOOHU XSSJLIWHU RP EO D QDPQ SHUVRQQXPPHU GRPHQ EHVOXWHW VWUDII|UHOlJJDQGHW I|UHOlJJDQGHW DY RUGQLQJVERW GH EURWW VRP GHQ UHJLVWUHUDGH KDU EHJnWW VDPW SnI|OMGHQ 'HW ILQQV RFNVn XSSJLIWHU RP YHUNVWlOOLJKHWHQ DY SnI|OMGHQ 1RUPDOW VND XSSJLIWHU RP IlQJHOVHVWUDII WDV ERUW XU EHODVWQLQJVUHJLVWUHW WLR nU HIWHU IULJLYQLQJHQ 8SSJLIWHU RP VN\GGVWLOOV\Q HOOHU YLOONRUOLJ GRP VND QRUPDOW WDV ERUW WLR nU HIWHU GRPHQ RFK XSSJLIWHU RP E|WHU VND QRUPDOW WDV ERUW IHP nU HIWHU GRPHQ 2P GHW HPHOOHUWLG GHVVI|ULQQDQ JMRUWV Q\D DQWHFN QLQJDU L UHJLVWUHW VND LQJHQ DY XSSJLIWHUQD JDOOUDV Vn OlQJH QnJRQ DY GHP VND ILQQDV NYDU L UHJLVWUHW (Q XSSJLIW VND JDOOUDV VHQDVW WMXJR nU HIWHU GHQ GRP HOOHU GHW EHVOXW VRP I|UDQOHGGH DWW XSSJLIWHQ I|UGHV LQ L UHJLVWUHW 5HJOHU RP EHODVWQLQJVUHJLVWUHW ILQQV L ODJHQ RP EHODVWQLQJV UHJLVWHU

9LG LQI|UDQGHW DY ODJHQ RP I|UVlNULQJVI|UPHGOLQJ JMRUGHV EHG|PQLQJ HQ DWW YLG OlPSOLJKHWVSU|YQLQJHQ DY HQ I|UVlNULQJVI|UPHGODUH E|U GHW VNH HQ NRQWUROO DY LQQHKnOOHW L EHODVWQLQJVUHJLVWUHW 0HG KlQV\Q WLOO DWW OlPSOLJKHWVSU|YQLQJHQ LQWH E|U JH QnJRW XWU\PPH I|U VN|QVPlVVLJD EHG|PQLQJDU RFK WLOO DWW LQWUnQJHW L GHQ HQVNLOGHV SHUVRQOLJD LQWHJULWHW E|U EHJUlQVDV Vn OnQJW VRP P|MOLJW E|U QnJRQ NRQWUROO DY LQQHKnOOHW L PLVVWDQNHUHJLVWUHW LQWH J|UDV VH SURS V 'HW ILQQV DQOHGQLQJ DWW QX LQVWlPPD L GHQ JMRUGD EHG|PQLQJHQ VlUVNLOW PRW EDNJUXQG DY I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHWV O\GHOVH L GHW QX DNWXHOOD DYVHHQGHW

Vilka brott bör registerkontrollen avse?

(QOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW VND GHW YDUD IUnJD RP DOOYDUOLJD EURWW PHG DQNQ\WQLQJ WLOO HJHQGRPVEURWW HOOHU DQGUD EURWW L VDPEDQG PHG HNRQRPLVN YHUNVDPKHW DUWLNHO I|UVWD VW\FNHW 'HQ HQGD ULPOLJD

WRONQLQJHQ lU DWW GHW PnVWH YDUD IUnJD RP DOOYDUOLJD EURWW VRP KDU

opaginerad Hur bör registerkontrollen gå till? Kontrollera mot PDF

DQNQ\WQLQJ WLOO HJHQGRPVEURWW RFK DQGUD DOOYDUOLJD EURWW VRP KDU VDPEDQG PHG HNRQRPLVN YHUNVDPKHW %URWW VRP KDU DQNQ\WQLQJ WLOO HJHQGRPVEURWW HOOHU KDU VDPEDQG PHG HNRQRPLVN YHUNVDPKHW PHQ VRP LQWH NDQ DQVHV DOOYDUOLJD E|U DOOWVn LQWH RPIDWWDV 'HWVDPPD JlOOHU DOOYDUOLJD EURWW VRP LQWH KDU DQNQ\WQLQJ WLOO HJHQGRPVEURWW HOOHU VDPEDQG PHG HNRQRPLVN YHUNVDPKHW

'HW ILQQV HWW IOHUWDO ROLND VODJV EURWW VRP NDQ DQVHV KD DQNQ\WQLQJ WLOO HJHQGRPVEURWW HOOHU VDPEDQG PHG HNRQRPLVN YHUNVDPKHW )|U VYHQVNW YLGNRPPDQGH E|U GHWWD WRONDV Vn DWW GH EURWW VRP DYVHV lU DOOYDUOLJD I|UP|JHQKHWVEURWW RFK DOOYDUOLJ HNRQRPLVN EURWWVOLJKHW 'HVVD EURWWV W\SHU DQJHV KXYXGVDNOLJHQ L HOOHU NDS EURWWVEDONHQ VDPW L VNDWWHEURWWVODJHQ RFK ODJHQ RP VWUDII I|U PDUNQDGVPLVVEUXN YLG KDQGHO PHG ILQDQVLHOOD LQVWUXPHQW

)UnJRU RP YLOND HQVNLOGD EURWW VRP UHJLVWHUNRQWUROOHQ VND DYVH YDG VRP I|U HQ HQVNLOG EURWWVW\S VND DQVHV XWJ|UD HWW DOOYDUOLJW EURWW RFK

YLONHQ WLGVSHULRG VRP VND NRQWUROOHUDV E|U EHVWlPPDV L I|UHVNULIWHU Sn OlJUH QLYn lQ ODJ 'HW lU VRP Rikspolisstyrelsen SnWDODGH LQI|U LQI|UDQGHW

DY ODJHQ RP I|UVlNULQJVI|UPHGOLQJ DY \WWHUVWD YLNW DWW KlU OlJJD IDVW NODUD RFK W\GOLJD UHJOHU $QVYDUHW I|U QRUPJLYQLQJ DY GHQQD DUW E|U GlUI|U HQGDVW DQI|UWURV UHJHULQJHQ SURS V 5HJHULQJHQ E|U GlUI|U In PHGGHOD I|UHVNULIWHU RP YLOND DOOYDUOLJD I|UP|JHQKHWVEURWW RFK YLONHQ DOOYDUOLJ HNRQRPLVN EURWWVOLJKHW VRP DYVHV

Hur bör registerkontrollen gå till?

(Q UHJLVWHUNRQWUROO LQQHElU YHP VRP lQ XWI|U GHQ HWW LQWUnQJ L GHQ SHUVRQOLJD LQWHJULWHWHQ 'HQ SHUVRQOLJD LQWHJULWHWHQ KDQGODU EO D RP HQ |QVNDQ HOOHU HWW NUDY DWW NXQQD NRQWUROOHUD XSSJLIWHU RP VLJ VMlOY RFK XWRPVWnHQGHV P|MOLJKHWHU DWW WD GHO DY SHUVRQOLJD XSSJLIWHU 3HUVRQOLJ LQWHJULWHW LQQHIDWWDU VnYlO HQ UlWW WLOO HQ SULYDW VIlU VN\GGDG IUnQ XWRP VWnHQGHV LQV\Q VRP HQ UlWW DWW EHVWlPPD |YHU NXQVNDS RP VLJ VMlOY 'HQ UHJLVWHUNRQWUROO VRP VND J|UDV LQRP UDPHQ I|U WLOOVWnQGVJLYQLQJHQ XWJ|U VMlOYIDOOHW L GHQ EHPlUNHOVHQ HQ LQWHJULWHWVNUlQNQLQJ )|UVlNULQJVGLVWUL EXWLRQVGLUHNWLYHW LQQHElU HPHOOHUWLG DWW HQ UHJLVWHUNRQWUROO PnVWH J|UDV LQQDQ WLOOVWnQG WLOO I|UVlNULQJVI|UPHGOLQJ NDQ EHYLOMDV

1lU GHW JlOOHU GHQ UHJLVWHUNRQWUROO VRP VND J|UDV DY )LQDQV LQVSHNWLRQHQ KDU P\QGLJKHWHQ UHGDQ L GDJ UlWW DWW YLG KDQGOlJJQLQJ DY lUHQGHQ RP lJDU RFK OHGQLQJVSU|YQLQJ VDPW RP WLOOVWnQG In XSSJLIWHU XU EHODVWQLQJVUHJLVWUHW 'HQQD UlWW E|U )LQDQVLQVSHNWLRQHQ GlUI|U KD lYHQ L IRUWVlWWQLQJHQ HQOLJW GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

1lU GHW VHGDQ JlOOHU GHQ UHJLVWHUNRQWUROO VRP VND XWI|UDV DY I|UVlNULQJVI|UHWDJ HOOHU I|UVlNULQJVI|UPHGODUH ILQQV GHW WUH WlQNEDUD V\VWHP I|U NRQWUROO 'HW HQD lU DWW )LQDQVLQVSHNWLRQHQ KlPWDU LQ UHJLVWHU XWGUDJ RFK YLGDUHEHIRUGUDU UHOHYDQW LQIRUPDWLRQ WLOO I|UVlNULQJVI|UHWDJHW HOOHU I|UVlNULQJVI|UPHGODUHQ 'HW DQGUD lU DWW GHQ HQVNLOGH VMlOY KlPWDU LQ UHJLVWHUXWGUDJ RFK GHW WUHGMH DWW I|UVlNULQJVI|UHWDJHW HOOHU I|UVlNULQJV I|UPHGODUHQ J|U GHW

'HQ I|UVWD O|VQLQJHQ DWW )LQDQVLQVSHNWLRQHQ KlPWDU LQ UHJLVWHUXWGUDJ RFK YLGDUHEHIRUGUDU UHOHYDQW LQIRUPDWLRQ WLOO I|UVlNULQJVI|UHWDJHW HOOHU I|UVlNULQJVI|UPHGODUHQ NDQ YDUD OlPSOLJ IUnQ LQWHJULWHWVV\QSXQNW PHQ

KDU IOHUD QDFNGHODU 'HQ VNDSDU HQ RNODU VNLOMHOLQMH PHOODQ )LQDQVLQVSHN

opaginerad Vad bör kontrolleras i fråga om skötsamhet i ekonomiska angelägenheter och hur bör kontrollen gå till? Kontrollera mot PDF

WLRQHQV RFK I|UHWDJHQV DQVYDU JHQRP DWW I|UHWDJHQ LQWH InU GHW IXOOD DQVYDUHW I|U NRQWUROOHQ DY I|UVlNULQJVI|UPHGODUHV NYDOLILNDWLRQHU 9LGDUH KDU GHQ HQVNLOGH LQWH VMlOY QnJRQ NRQWUROO |YHU YLOND XSSJLIWHU VRP OlPQDV XW WLOO I|UHWDJHW /|VQLQJHQ LQQHElU RFNVn DWW GHQ HIWHUVWUlYDGH HIIHNWLYLWHWVYLQVWHQ RFK UHVXUVEHVSDULQJHQ LQWH InU IXOOW JHQRPVODJ

1lU GHW JlOOHU YDOHW PHOODQ DWW GHQ HQVNLOGH VMlOY KlPWDU LQ UHJLVWHU XWGUDJ RFK DWW I|UHWDJHW J|U GHW lU GHQ I|UVWQlPQGD RUGQLQJHQ GHQ ElVWD O|VQLQJHQ ,QWHJULWHWVNUlQNQLQJHQ EOLU PLQVW QlU GHQ HQVNLOGH KDU NRQWUROO |YHU YLOND XSSJLIWHU VRP OlPQDV XW WLOO I|UHWDJHW 9LGDUH VNXOOH HWW V\VWHP GlU HWW VWRUW DQWDO SULYDWD I|UHWDJ JHV P|MOLJKHW DWW KlPWD LQ UHJLVWHUXWGUDJ LQQHElUD HQ VW|UUH ULVN I|U VSULGQLQJ DY XSSJLIWHU WLOO DQGUD lQ GHP VRP VND WD HPRW GHVVD 'HQ JlOODQGH RUGQLQJHQ E|U GlUI|U EHVWn lYHQ L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ QlPOLJHQ DWW UHJHULQJHQ InU PHGGHOD I|UHVNULIWHU RP HQ RUGQLQJ VRP LQQHElU DWW GHQ HQVNLOGH VMlOY VND LQKlPWD HWW UHJLVWHUXWGUDJ 'HWWD lU RFNVn GHW V\VWHP VRP KDU YDOWV L EO D VNROODJHQ RFK ODJHQ RP UHJLVWHUNRQWUROO DY SHUVRQHU VRP VND DUEHWD PHG EDUQ

(QOLJW ODJHQ RP EHODVWQLQJVUHJLVWHU KDU HQ HQVNLOG UlWW DWW Sn EHJlUDQ VNULIWOLJHQ In GHO DY VDPWOLJD XSSJLIWHU XU UHJLVWUHW RP VLJ VMlOY † (WW XWGUDJ VRP EHJlUV DY HQ HQVNLOG NDQ HPHOOHUWLG LQQHKnOOD XSSJLIWHU RP EURWW VRP VDNQDU EHW\GHOVH I|U GHQ NRQWUROO DY I|UPHGODUHV YDQGHO VRP I|UHWDJHQ HOOHU GHQ DQVYDULJD I|UVlNULQJVI|UPHGODUHQ VND J|UD 'HW E|U DOOWVn VNDSDV I|UXWVlWWQLQJDU I|U HQ HQVNLOG DWW EHJlUD HWW XWGUDJ VRP lU EHJUlQVDW WLOO GH EURWW VRP NRQWUROOHQ VND DYVH 8WGUDJHW E|U LQWH LQQH KnOOD PHU LQIRUPDWLRQ lQ YDG VRP NUlYV I|U NRQWUROOHQ

)|UVlNULQJVI|UHWDJHW UHVSHNWLYH I|UPHGOLQJVI|UHWDJHW VND EDUD NRQWURO OHUD LQQHKnOOHW L UHJLVWHUXWGUDJHW )|UHWDJHW KDU DOOWVn LQWH UlWW DWW NUlYD DWW In EHKnOOD XWGUDJHW HOOHU DWW In HQ NRSLD DY GHW 'lUHPRW E|U I|UHWDJHW J|UD HQ DQWHFNQLQJ RP DWW UHJLVWHUXWGUDJHW KDU NRQWUROOHUDWV (Q VnGDQ DQWHFNQLQJ E|U GRFN LQWH LQQHKnOOD QnJUD XSSJLIWHU RP LQQHKnOOHW L UHJLVWUHW MIU † SHUVRQXSSJLIWVODJHQ > @

Vad bör kontrolleras i fråga om skötsamhet i ekonomiska angelägenheter och hur bör kontrollen gå till?

6RP IUDPJnU RYDQ lU GHW OlPSOLJW DWW GHW VWlOOV HWW NUDY Sn VN|WVDPKHW L HNRQRPLVND DQJHOlJHQKHWHU I|U I|UVlNULQJVI|UPHGODUH (WW VnGDQW NUDY lU PRWLYHUDW PHG KlQV\Q WLOO GHOV GHQ FHQWUDOD UROO HQ I|UPHGODUH KDU YLG GLVWULEXWLRQHQ DY I|UVlNULQJVSURGXNWHU GHOV GH DOOYDUOLJD NRQVHNYHQVHU VRP NDQ XSSVWn I|U NXQGHQ RP I|UPHGODUHQ PLVVN|WHU VLQD nOLJJDQGHQ

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU E|U In PHGGHOD I|UHVNULIWHU RP YDG VRP VND DYVHV PHG VN|WVDPKHW L HNR QRPLVND DQJHOlJHQKHWHU RFK YDG GHQ MXULGLVND SHUVRQHQ L |YULJW VND LDNWWD L VDPEDQG PHG NRQWUROO DY DQVWlOOGD 1lU NUDYHW SUHFLVHUDV L VnGDQD I|UHVNULIWHU E|U GHW LQWH LQQHKnOOD QnJUD LQVODJ DY VN|QVPlVVLJ EHG|PQLQJ HIWHUVRP GHQQD NRQWUROO VND XWI|UDV lYHQ DY I|UVlNULQJV I|UHWDJ RFK I|UVlNULQJVI|UPHGODUH 'HW PnVWH GHVVXWRP YDUD HQNHOW I|U GHQ HQVNLOGH DWW NXQQD YLVD DWW NUDYHW lU XSSI\OOW 'HW DQI|UGD InU HPHOOHUWLG LQWH GULYDV Vn OnQJW DWW GHW \WWHUVWD V\IWHW PHG NUDYHW LQWH XSSQnV GYV DWW I|UKLQGUD GLUHNW ROlPSOLJD SHUVRQHU IUnQ DWW YHUND VRP

I|UVlNULQJVI|UPHGODUH

opaginerad W\GOLJ DQYLVQLQJ RP VnGDQD RPVWlQGLJKHWHU VRP L VLJ InU DQVHV YDUD Vn Kontrollera mot PDF

6DPPDQIDWWQLQJVYLV E|U GH QX DNWXHOOD I|UHVNULIWHUQD LQQHKnOOD HQ

W\GOLJ DQYLVQLQJ RP VnGDQD RPVWlQGLJKHWHU VRP L VLJ InU DQVHV YDUD Vn

JUDYHUDQGH I|U GHQ HQVNLOGH DWW KDQ HOOHU KRQ LQWH E|U JHV WLOOVWnQG HOOHU

EOL UHJLVWUHUDG ([HPSHO Sn VnGDQD RPVWlQGLJKHWHU E|U YDUD YlVHQWOLJD

|YHUWUlGHOVHU DY VN\OGLJKHWHU U|UDQGH VNDWWHU DYJLIWHU ERNI|ULQJ HOOHU

OLNQDQGH I|USOLNWHOVHU PRW GHW DOOPlQQD 1lU GHW JlOOHU YLOND NUDY Sn

VN|WVDPKHW L YLVVW KlQVHHQGH VRP E|U VWlOODV NDQ OHGQLQJ RFNVn KlPWDV

IUnQ YDG VRP JlOOHU I|U XWIlUGDQGH DY ) VNDWWHVHGHO HQOLJW VNDWWHI|U

IDUDQGHODJHQ 'HW lU EDUD PLVVN|WVDPKHW LQRP YLVV WLG I|UH

NRQWUROOWLOOIlOOHW VRP VND EHDNWDV 9LG GHQ QlUPDUH SUHFLVHULQJHQ DY

NUDYHW E|U VDPUnG VNH PHG EHU|UGD P\QGLJKHWHU RFK EUDQVFK

RUJDQLVDWLRQHU

3n OLNQDQGH VlWW VRP QlU GHW JlOOHU NRQWUROOHQ DY LQQHKnOOHW L

EHODVWQLQJVUHJLVWUHW E|U XWJnQJVSXQNWHQ YDUD DWW GHQ V|NDQGH VMlOY VND

NXQQD LQKlPWD Q|GYlQGLJD XSSJLIWHU RFK SUHVHQWHUD GHVVD I|U I|UHWDJHW

0RWVYDUDQGH E|U JlOOD I|U NRQWUROOHQ DY LQQHKnOOHW L EHODVWQLQJVUHJLVWUHW ±

I|UHWDJHW E|U HQGDVW J|UD HQ DQWHFNQLQJ RP DWW XSSJLIWHUQD KDU

NRQWUROOHUDWV (Q VnGDQ DQWHFNQLQJ E|U LQWH LQQHKnOOD PHU XSSJLIWHU lQ

YDG VRP EHK|YV

(Q XW|NDG OlPSOLJKHWVSU|YQLQJ

3URPHPRULDQV I|UVODJ (Q I\VLVN SHUVRQ VND I|U DWW In WLOOVWnQG WLOO

HOOHU EOL UHJLVWUHUDG I|U DWW EHGULYD I|UVlNULQJVGLVWULEXWLRQ lYHQ L |YULJW

YDUD OlPSOLJ DWW EHGULYD YHUNVDPKHWHQ 'HWVDPPD VND JlOOD GHQ VRP

VND LQJn L HQ MXULGLVN SHUVRQV OHGQLQJ HOOHU YDUD HUVlWWDUH I|U GHQQH

.UDYHW VND lYHQ JlOOD DQNQXWQD I|UVlNULQJVI|UPHGODUH VRP

GLVWULEXHUDU I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU HOOHU SHQVLRQV

I|UVlNULQJDU VRP lU H[SRQHUDGH PRW PDUNQDGVYRODWLOLWHW

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU

PHGGHOD I|UHVNULIWHU RP YDG VRP DYVHV PHG NUDYHW Sn DWW HQ

I|UVlNULQJVI|UPHGODUH lYHQ L |YULJW lU OlPSOLJ I|U UHVSHNWLYH XSSGUDJ

3URPHPRULDQ 6WlUNW NRQVXPHQWVN\GG YLG I|UVlNULQJVI|UPHGOLQJV

I|UVODJ 'V |YHUHQVVWlPPHU L KXYXGVDN PHG SURPHPRULDQV

I|UVODJ , GHQ SURPHPRULDQ I|UHVOnV LQWH DWW GHQ XW|NDGH OlPSOLJ

KHWVSU|YQLQJHQ VND RPIDWWD lYHQ DQNQXWQD I|UVlNULQJVI|UPHGODUH VRP

GLVWULEXHUDU I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU HOOHU SHQVLRQV

I|UVlNULQJDU VRP lU H[SRQHUDGH PRW PDUNQDGVYRODWLOLWHW

5HPLVVLQVWDQVHUQD )OHUWDOHW UHPLVVLQVWDQVHU WLOOVW\UNHU I|UVODJHW HOOHU

KDU LQJHW DWW LQYlQGD PRW GHW Konsumentverket Finansinspektionen RFK

PTK DQVHU DWW GHW E|U QlUPDUH |YHUYlJDV RP LQWH NUDYHW Sn OlPSOLJKHW

VND RPIDWWD lYHQ DQNQXWQD I|UVlNULQJVI|UPHGODUH

,QOHGQLQJ

, SURPHPRULDQ 6WlUNW NRQVXPHQWVN\GG YLG I|UVlNULQJVI|UPHGOLQJV

I|UVODJ 'V I|UHVOnV HQ VNlUSQLQJ DY NUDYHQ I|U WLOOVWnQG DWW

XW|YD I|UVlNULQJVI|UPHGOLQJ )|UVODJHW LQQHElU DWW GHW LQI|UV HWW NUDY Sn

DWW GHQ I\VLVND SHUVRQ VRP VND XW|YD I|UVlNULQJVI|UPHGOLQJ XW|YHU

QXYDUDQGH NUDY lYHQ L |YULJW VND YDUD OlPSOLJ DWW XW|YD YHUNVDPKHWHQ

opaginerad 6NlOHQ I|U SURPHPRULDQV I|UVODJ Kontrollera mot PDF

6DPPD NUDY E|U VWlOODV Sn GHQ VRP VND LQJn L OHGQLQJHQ L HQ MXULGLVN SHUVRQ VRP VND XW|YD VnGDQ YHUNVDPKHW HOOHU YDUD HUVlWWDUH I|U GHQQH (IWHUVRP GHW QX ILQQV DQOHGQLQJ DWW VWlOOD VLJ EDNRP GHWWD I|UVODJ WDU QHGDQVWnHQGH DYVQLWW VLQ XWJnQJVSXQNW L I|UVODJHW L GHQ SURPHPRULDQ

6NlOHQ I|U SURPHPRULDQV I|UVODJ

Återkallelse av tillstånd

6RP IUDPJnU L DYVQLWW lU GHW L GDJ P|MOLJW DWW DYVOn HQ DQV|NDQ RP WLOOVWnQG Sn GHQ JUXQGHQ DWW HWW WLGLJDUH WLOOVWnQG KDU nWHUNDOODWV HQGDVW RP nWHUNDOOHOVHQ KDU VNHWW Sn JUXQG DY DWW I|UVlNULQJVI|UPHGODUHQ KDU nVLGRVDWW VLQD VN\OGLJKHWHU VRP I|UVlNULQJVI|UPHGODUH 'HW InU GRFN DQVHV YDUD HQ EULVW L JlOODQGH UlWW DWW )LQDQVLQVSHNWLRQHQ LQWH NDQ EHDNWD RP HQ V|NDQGH WLGLJDUH KDU nVLGRVDWW VLQD VN\OGLJKHWHU VRP I|UVlNULQJV I|UPHGODUH HOOHU LQJnWW L OHGQLQJHQ I|U W H[ HWW DNWLHERODJ VRP KDU JMRUW GHW XWDQ DWW QnJRW EHVOXW RP LQJULSDQGH KDU KXQQLW IDWWDWV (Q I|UVlN ULQJVI|UPHGODUH NDQ VnOHGHV L GDJ XQGJn IRUWVDWWD NRQVHNYHQVHU DY EULVWDQGH UHJHOHIWHUOHYQDG JHQRP DWW VMlOY EHJlUD DWW WLOOVWnQGHW nWHUNDOODV 2P HQ VnGDQ I|UVlNULQJVI|UPHGODUH GlUHIWHU EHYLOMDV HWW Q\WW WLOOVWnQG I|U I|UVlNULQJVI|UPHGOLQJ ILQQV GHW HQ ULVN I|U DWW GHQQH lYHQ IRUWVlWWQLQJVYLV XQGHUOnWHU DWW I|OMD GH EHVWlPPHOVHU VRP JlOOHU I|U YHUNVDPKHWHQ YLONHW NDQ RUVDND SUREOHP I|U NXQGHUQD L YHUNVDPKHWHQ 6lUVNLOW IUnQ HWW NRQVXPHQWVN\GGVSHUVSHNWLY IUDPVWnU LQWH GHQQD RUGQLQJ VRP WLOOIUHGV VWlOODQGH 6H DYVQLWW I|U I|UVODJ RP HQ Q\ RUGQLQJ YLG KDQGOlJJ QLQJ DY lUHQGHQ RP nWHUNDOOHOVH DY WLOOVWnQG HOOHU UHJLVWUHULQJ

Försäkringsförmedlare och försäkringsprodukter

)|UVlNULQJVSURGXNWHU NDQ GLVWULEXHUDV WLOO NXQGHU Sn ROLND VlWW (WW I|UVlNULQJVI|UHWDJ NDQ W H[ PHG KMlOS DY DQVWlOOG SHUVRQDO VlOMD I|UVlNULQJDU (Q DQQDQ P|MOLJKHW lU DWW DQYlQGD HQ I|UVlNULQJVI|UPHGODUH I|U GLVWULEXWLRQHQ )|UVlNULQJVI|UPHGODUQD KDU L SUDNWLNHQ HQ YLNWLJ UROO DWW VSHOD L GLVWULEXWLRQHQ DY I|UVlNULQJVSURGXNWHU *HQRP I|UVlNULQJV I|UPHGODUH NDQ HQ NXQG In WLOOJnQJ WLOO ROLND SURGXNWHU RFK KMlOS PHG DWW YlOMD GHQ SURGXNW VRP SDVVDU GHQQH ElVW )|UVlNULQJVI|UPHGODUH NDQ ILQQDV Sn RUWHU RFK SODWVHU GlU I|UVlNULQJVI|UHWDJHQ VMlOYD LQWH ILQQV UHSUHVHQWHUDGH DY HJQD DQVWlOOGD 1lU GHW JlOOHU NRQVXPHQWHU I|UPHGODU I|UVlNULQJVI|UPHGODUH LQWH EDUD VNDGHI|UVlNULQJ XWDQ lYHQ I|UVlNULQJV SURGXNWHU DY VWRU EHW\GHOVH I|U NXQGHQV SULYDWHNRQRPL QlPOLJHQ OLY I|UVlNULQJDU PHG HWW VSDUDQGHPRPHQW %ODQG GH I|UVlNULQJVNODVVHU VRP lU DY LQWUHVVH L GHW VDPPDQKDQJHW ILQQV IRQGI|UVlNULQJ NDS † ,,, I|UVlNULQJVU|UHOVHODJHQ RFK |YULJD OLYI|UVlNULQJDU NDS † , D VDPPD ODJ 6RP IUDPJnU DY DYVQLWW NDQ HWW WLOOVWnQG DWW EHGULYD I|UVlNULQJVGLVWULEXWLRQ RPIDWWD OLYI|UVlNULQJ

/LYI|UVlNULQJ lU HQ I|UVlNULQJ PRW ROLND HNRQRPLVND ULVNHU NRSSODGH WLOO HQ HQVNLOG LQGLYLGV OHYQDG 'H OHYQDGVULVNHU I|U YLOND GHW ILQQV I|U VlNULQJ lU IUlPVW GH HNRQRPLVND NRQVHNYHQVHUQD DY DWW G| WLGLJW G|GV IDOOVI|UVlNULQJ RFK DY DWW OHYD OlQJH OLYIDOOVI|UVlNULQJ

6NDWWHUlWWVOLJW lU HQ I|UVlNULQJ DWW DQVH VRP HQ SHQVLRQVI|UVlNULQJ RP GHQ XSSI\OOHU GH YLOONRU VRP XSSVWlOOV L NDS LQNRPVWVNDWWHODJHQ

(Q OLYI|UVlNULQJ VRP LQWH XSSI\OOHU YLOONRUHQ I|U HQ SHQV

opaginerad 6NlOHQ I|U SURPHPRULDQV I|UVODJ Kontrollera mot PDF

LRQVI|UVlNULQJ lU HQ NDSLWDOI|UVlNULQJ NDS † DQGUD VW\FNHW VDPPD ODJ

(Q WMlQVWHSHQVLRQVI|UVlNULQJ lU HQ VlUVNLOG IRUP DY OLYI|UVlNULQJ VRP KDU VDPEDQG PHG \UNHVXW|YQLQJ RFK GlU XWEHWDOQLQJ DY I|UVlNULQJV EHORSS lU EHURHQGH DY HQ HOOHU IOHUD SHUVRQHUV nOGHU (Q WMlQVWHSHQVLRQ RPIDWWDU SHQVLRQVI|UPnQHU VRP I|OMHU DY HWW DQVWlOOQLQJVI|UKnOODQGH 'HVVD I|UPnQHU JUXQGDU VLJ DQWLQJHQ Sn HWW NROOHNWLYDYWDO PHOODQ DUEHWV PDUNQDGHQV SDUWHU NROOHNWLYDYWDODG WMlQVWHSHQVLRQ HOOHU Sn HWW LQGLYLGX HOOW DYWDO PHOODQ DUEHWVJLYDUHQ RFK DUEHWVWDJDUHQ LQGLYLGXHOO WMlQVWH SHQVLRQ (Q EHW\GDQGH GHO DY I|UVlNULQJVI|UPHGODUQD lJQDU VLJ nW WMlQVWHSHQVLRQVI|UVlNULQJDU

'H SUHPLHU VRP EHWDODV LQ DYVHHQGH HQ OLYI|UVlNULQJ PHG HWW VSDUDQGH PRPHQW NDQ I|UYDOWDV Sn ROLND VlWW 9LG WUDGLWLRQHOO OLYI|UVlNULQJ I|UYDO WDV SUHPLHUQD DY I|UVlNULQJVI|UHWDJHW VRP YDQOLJWYLV JDUDQWHUDU I|UVlN ULQJVWDJDUHQ HOOHU GHQ I|UVlNUDGH HQ YLVV DYNDVWQLQJ Sn LQEHWDOGD SUHPLHU 6WRUOHNHQ Sn XWEHWDOQLQJDUQD ± VRP EHWDODV XW IUnQ HQ YLVV nOGHU HOOHU WLGSXQNW RFK XQGHU DQWLQJHQ HQ EHVWlPG WLG HOOHU I|U UHVWHQ DY I|UVlN ULQJVWDJDUHQV OLYVWLG ± EHURU VHGDQ Sn GH SUHPLHU VRP EHWDODWV LQ RFK GHQ DYNDVWQLQJ VRP JDUDQWHUDWV 7LOO GHWWD JDUDQWHUDGH YlUGH NDQ GHW NRPPD EHORSS VRP nWHUElULQJ 9LGDUH ILQQV IRQGI|UVlNULQJ VRP lU HQ I|UVlNULQJ GlU I|UVlNULQJVWDJDUHQ EHVWlPPHU L YLOND IRQGHU KDQV HOOHU KHQQHV SUHPLHU VND SODFHUDV )|UVlNULQJHQV YlUGH lU NRSSODW WLOO YlUGHW Sn DQGHODUQD L GH IRQGHU I|UVlNULQJVWDJDUQD KDU YDOW )|UVlNULQJVI|UHWDJHW OlPQDU L QRUPDOIDOOHW LQWH QnJRQ JDUDQWL I|U KXU VWRUD XWEHWDOQLQJDUQD NRPPHU DWW EOL 6OXWOLJHQ NDQ QlPQDV GHSnI|UVlNULQJ VRP LQQHElU DWW I|UVlNULQJVWDJDUHQ HOOHU GHQ I|UVlNUDGH VMlOY EHVWlPPHU LQULNWQLQJHQ Sn VSDUDQGHW JHQRP DWW YlOMD PHOODQ ROLND WLOOJnQJVVODJ LQWH HQGDVW IRQGHU VRP I|UVlNULQJVI|UHWDJHW HUEMXGHU 7URWV DWW GHSnI|UVlNULQJ GHOYLV OLNQDU IRQGI|UVlNULQJ LQNOXGHUDV GHQQD I|UVlNULQJVIRUP L VDPPD I|UVlNULQJV NODVV VRP WUDGLWLRQHOOD OLYI|UVlNULQJDU MIU 628 V

8QGHU XSSJLFN LQEHWDOGD SUHPLHU I|U OLYI|UVlNULQJDU WLOO FLUND PLOMDUGHU NURQRU 6YHQVN )|UVlNULQJ )|UVlNULQJDU L 6YHULJH 9lUGHW Sn OLYI|UVlNULQJVI|UHWDJHQV SODFHULQJVWLOOJnQJDU XSSJLFN WLOO FLUND PLOMDUGHU NURQRU YLG XWJnQJHQ DY 6YHQVN )|UVlNULQJ )|UVlNULQJDU L 6YHULJH $QJnHQGH GLVWULEXWLRQVIRUPHU NDQ I|OMDQGH QlPQDV QRWHUD DWW GHVVD VLIIRU DYVHU 0lWW L SUHPLHYRO\P V N nUVEDVHUDGH SUHPLHHNYLYDOHQWHU GLVWULEXHUDGHV SURFHQW DY OLYI|UVlN ULQJDU XQGHU DY I|UVlNULQJVI|UHWDJHQ VMlOYD RFK L YDUW IDOO SURFHQW DY I|UVlNULQJVI|UPHGODUH 6YHQVN )|UVlNULQJ 'LVWULEXWLRQV NDQDOHU ± 'lUXW|YHU GLVWULEXHUDGHV SURFHQW JHQRP V N EDQNDVVXUDQV GYV JHQRP EDQNHU RFK YLVVD DQGUD ILQDQVLHOOD I|UHWDJ 'HW NDQ L GHW VDPPDQKDQJHW QlPQDV DWW YLVVD EDQNHU lU UHJLVWUHUDGH VRP DQNQXWQD I|UVlNULQJVI|UPHGODUH VH DYVQLWW

Iakttagelser vid Finansinspektionens tillsyn och tillståndsprövning

, )LQDQVLQVSHNWLRQHQV WLOOV\QVUDSSRUW I|U DQI|UGHV NULWLN PRW

XWIRUPQLQJHQ DY GH EHVWlPPHOVHU L I|UVlNULQJVI|UPHGOLQJVODJHQ VRP

JlOOHU NUDYHQ I|U WLOOVWnQG DWW XW|YD I|UVlNULQJVI|UPHGOLQJ 7LOOV\QV

UDSSRUW GHQ PDM GQU V I (QOLJW LQVSHN

WLRQHQV PHQLQJ NUlYV HQ |YHUV\Q DY GHVVD EHVWlPPHOVHU ,QVSHNWLRQHQ

opaginerad Behovet av konsumentskydd Kontrollera mot PDF

EHU|UGH VlUVNLOW GH SUREOHP VRP NDQ XSSVWn YLG HQ nWHUNDOOHOVH DY WLOOVWnQG VRP KDU VNHWW Sn I|UVlNULQJVI|UPHGODUHQV LQLWLDWLY )LQDQV LQVSHNWLRQHQ DQI|UGH EO D DWW GHQ YLG WLOOV\QHQ XSSPlUNVDPPDW DWW I|UVlNULQJVI|UPHGODUH XQGHU SnJnHQGH XQGHUV|NQLQJ KDU YDOW DWW nWHUNDOOD VLWW YHUNVDPKHWVWLOOVWnQG I|U DWW XQGYLND HQ VDQNWLRQ RFK QHJDWLY SXEOLFLWHW 'n nWHUNDOOHOVHQ LQWH VNHWW Sn JUXQG DY UHJHOEURWW KDU LQVSHN WLRQHQ RIWD VDNQDW JUXQG DWW QHND Q\WW WLOOVWnQG RP VDPPD SHUVRQHU VWDUWDU HWW Q\WW ERODJ PHG OLNQDQGH YHUNVDPKHW , GHQ QlPQGD 7LOOV\QVUDSSRUWHQ UHGRJ|UV lYHQ I|U HWW NRQNUHW H[HPSHO Sn GHW EHVNULYQD I|UIDUDQGHW )|U EHP|WDQGH DY YDG )LQDQVLQVSHNWLRQHQ DQI|UW L GHWWD DYVHHQGH KlQYLVDV WLOO I|UVODJHW L DYVQLWW )LQDQVLQVSHNWLRQHQ KDU RFNVn DQI|UW DWW NUDYHQ I|U WLOOVWnQG I|U I|UVlNULQJVI|UPHGODUH lU OlJUH lQ YDG VRP JlOOHU I|U DQGUD ILQDQVLHOOD I|UHWDJ HIWHUVRP GHW L ODJHQ RP I|UVlNULQJV I|UPHGOLQJ W H[ LQWH ILQQV QnJRW DOOPlQW NUDY Sn OlPSOLJKHW )LQDQV LQVSHNWLRQHQ DQVnJ VDPPDQIDWWQLQJVYLV DWW SUREOHPHQ PHG HQ DOOWI|U HQNHO WLOOVWnQGVSURFHVV lU DOOYDUOLJD RFK DWW QXYDUDQGH UHJOHU KDU JMRUW GHW I|U HQNHOW DWW JH VLJ LQ Sn PDUNQDGHQ I|U I|UVlNULQJVI|UPHGOLQJ

0RW EDNJUXQG DY )LQDQVLQVSHNWLRQHQV LDNWWDJHOVHU ILQQV GHW DQOHGQLQJ DWW NRQVWDWHUD DWW GHQ QXYDUDQGH RUGQLQJHQ I|U WLOOVWnQGVSU|YQLQJ LQWH lU WLOOIUHGVVWlOODQGH

Behovet av konsumentskydd

'HW NDQ YDUD VYnUW I|U HQ NRQVXPHQW DWW EHG|PD RP HQ I|UVlNULQJV SURGXNW lU OlPSOLJ I|U KRQRP HOOHU KHQQH QlU GHW JlOOHU IDNWRUHU VRP ULVN NRVWQDGHU RFK SRWHQWLHOO DYNDVWQLQJ 0nQJD ILQDQVLHOOD SURGXNWHU lU NRPSOH[D RFK Q\D SURGXNWHU XWYHFNODV VWlQGLJW 'HW JlOOHU lYHQ I|U I|UVlNULQJVSURGXNWHU 6WXGLHU YLVDU DWW PnQJD NRQVXPHQWHU KDU VYnUW DWW J|UD HQNOD EHUlNQLQJDU RFK KDU EULVWDQGH NXQVNDSHU RP JUXQGOlJJDQGH ILQDQVLHOOD EHJUHSS 5HVXOWDWHW DY HWW I|UVlNULQJVVSDUDQGH YLVDU VLJ L UHJHO LQWH I|UUlQ OnQJW IUDP L WLGHQ 'HVVD RPVWlQGLJKHWHU SnYHUNDU P|MOLJKHWHQ DWW J|UD HWW YlOJUXQGDW YDO PHOODQ ROLND I|UVlNULQJVSURGXNWHU RFK SODFH ULQJDU LQRP UDPHQ I|U HQ VnGDQ SURGXNW

'H DOOUD IOHVWD NRQVXPHQWHU EHILQQHU VLJ L HWW LQIRUPDWLRQV RFK NXQVNDSVXQGHUOlJH L I|UKnOODQGH WLOO GHQ VRP VlOMHU HQ YLVV I|UVlNULQJ 'HW ILQQV DOOWVn HQ REDODQV PHOODQ SDUWHUQD Sn I|UVlNULQJVPDUNQDGHQ 'HWVDPPD JlOOHU Sn ILQDQVPDUNQDGHQ L |YULJW .RQVXPHQWHQV XQGHUOlJH VNDSDU RFNVn HQ HIWHUIUnJDQ Sn EO D UnGJLYQLQJVWMlQVWHU 'HW LQQHElU L VLQ WXU DWW GHW E|U VWlOODV K|JD NUDY Sn GHQ VRP lJQDU VLJ nW ILQDQVLHOO UnGJLY QLQJ WLOO NRQVXPHQWHU VnVRP YLG I|UVlNULQJVI|UPHGOLQJ 6RP IUDPJnU RYDQ lU OLYI|UVlNULQJDU DY VWRU EHW\GHOVH I|U NRQVXPHQWHUQDV SULYDW HNRQRPL

8W|YHU )LQDQVLQVSHNWLRQHQV LDNWWDJHOVHU VRP UHGRYLVDV L WLOOV\QV UDSSRUWHQ VH RYDQ KDU LQVSHNWLRQHQ XQGHU HQ OlQJUH WLG lYHQ L DQGUD VDPPDQKDQJ SnWDODW EULVWHU L YLVVD I|UVlNULQJVI|UPHGODUHV UHJHO HIWHUOHYQDG 'HW KDU YDULW IUnJD RP EULVWHU L GRNXPHQWDWLRQHQ NULQJ UnG JLYQLQJHQ VDPW L NRQWUROOHQ DY I|UVlNULQJVI|UPHGODUQDV NXQVNDS RFK HUIDUHQKHW 7LOOV\QVUDSSRUW (UIDUHQKHWHU DY WLOOV\Q RFK UHJHO XWYHFNOLQJ GHQ PDM GQU V VH lYHQ 7LOOV\QVUDSSRUW GHQ PDM GQU V I

opaginerad Lämplighetsprövning i annan lagstiftning Kontrollera mot PDF

)LQDQVLQVSHNWLRQHQ KDU YLGDUH L VLQ V N ULVNUDSSRUW EHVNULYLW HQ XWYHFN OLQJ GlU GHSnI|UVlNULQJDU KDU P|MOLJJMRUW I|UVlOMQLQJ DY NRPSOLFHUDGH SURGXNWHU LQRP WLOOVWnQGHW I|U I|UVlNULQJVI|UPHGOLQJ RFK GlUPHG HQ |NDG ULVN I|U ROlPSOLJ UnGJLYQLQJ WLOO NXQGHUQD (Q VnGDQ I|UVlNULQJ NDQ EOL HQ RQ|GLJW G\U I|UYDULQJVSODWV I|U NRQVXPHQWHQV ILQDQVLHOOD LQVWUXPHQW MlPI|UW PHG HQ YDQOLJ YlUGHSDSSHUVGHSn VlUVNLOW RP SURYLVLRQHU VW\U UnGJLYDUHQV UHNRPPHQGDWLRQ DY I|UVlNULQJVO|VQLQJ 6H 5LVNHU L GHW ILQDQVLHOOD V\VWHPHW GHQ QRYHPEHU GQU V $Y UDSSRUWHQ IUDPJnU lYHQ DWW LQVSHNWLRQHQ DQVHU DWW GH UHODWLYW OnJD LQWUlGHVEDUULlUHUQD WLOO I|UVlNULQJVI|UPHGODUPDUNQDGHQ KDU JMRUW GHW VYnUW DWW KnOOD RVHUL|VD DNW|UHU ERUWD

7LOO I|OMG DY GH LDNWWDJHOVHU VRP )LQDQVLQVSHNWLRQHQ KDU JMRUW YLG VLQ WLOOV\Q DY I|UVlNULQJVI|UPHGODUH VWnU GHW NODUW DWW VN\GGHW I|U NXQGHUQD L V\QQHUKHW NRQVXPHQWHUQD LQWH lU WLOOUlFNOLJW L SUDNWLNHQ 'H EULVWHU VRP LQVSHNWLRQHQ KDU REVHUYHUDW lU DY ROLND VODJ RFK EHU|U ROLND GHODU DY UHJHOYHUNHW *HQRPJnHQGH U|U GHW VLJ HPHOOHUWLG RP UnGJLYQLQJ RFK I|UVlOMQLQJ VRP KDU JHQRPI|UWV Sn HWW ROlPSOLJW VlWW 'HQ I|UVlNULQJV I|UPHGODUH VRP KDU |YHUWUlWW JlOODQGH UHJHOYHUN Sn HWW VnGDQW VlWW DWW HWW LQJULSDQGH IUnQ )LQDQVLQVSHNWLRQHQV VLGD NDQ NRPPD L IUnJD E|U LQWH XWDQ YLGDUH NXQQD In HWW Q\WW WLOOVWnQG WLOO I|UVlNULQJVI|UPHGOLQJ RP GHQ WLGLJDUH YHUNVDPKHWHQ DYVOXWDV , VWlOOHW E|U GHW ILQQDV HWW XWU\PPH I|U DWW SU|YD RP V|NDQGHQ lU OlPSOLJ VRP I|UVlNULQJVI|UPHGODUH 'HW JlOOHU lYHQ RP QnJRW LQJULSDQGH LQWH EHVOXWDGHV DYVHHQGH GHQ WLGLJDUH YHUNVDPKHWHQ )UnJDQ RP HWW Q\WW WLOOVWnQG VND EHYLOMDV HOOHU LQWH E|U EHG|PDV PRW EDNJUXQG DY KXU DOOYDUOLJ GHQ WLGLJDUH |YHUWUlGHOVHQ YDU , YLVVD IDOO NDQ GHW VWn NODUW DWW EHKRYHW DY DWW VN\GGD NXQGHUQD PRW IHODNWLJ I|UVlNULQJVI|UPHGOLQJ YlJHU W\QJUH lQ HQ QlULQJVLGNDUHV LQWUHVVH DY DWW In XW|YD I|UVlNULQJVI|UPHGOLQJ

Lämplighetsprövning i annan lagstiftning

, GHQ QlULQJVUlWWVOLJD ODJVWLIWQLQJHQ ILQQV GHW I|U GH IOHVWD ILQDQVLHOOD I|UHWDJ NUDY Sn DWW SHUVRQHU VRP LQJnU L I|UHWDJHWV OHGQLQJ VND YDUD OlPSOLJD I|U XSSJLIWHQ , GHQQD SURPHPRULD DQYlQGV XWWU\FNHW OlPSOLJ KHWVSU|YQLQJ I|U SU|YQLQJHQ DY RP HQ YLVV I\VLVN SHUVRQ lU OlPSOLJ DWW GULYD HQ YLVV ILQDQVLHOO YHUNVDPKHW HOOHU DWW LQJn L OHGQLQJHQ I|U HQ MXULGLVN SHUVRQ VRP GULYHU VnGDQ YHUNVDPKHW 8WWU\FNHW OHGQLQJVSU|YQLQJ DYVHU GlUHPRW HQGDVW SU|YQLQJHQ DY OHGQLQJHQ I|U MXULGLVND SHUVRQHU 6RP IUDPJnU DY DYVQLWW InU I\VLVND SHUVRQHU JHV WLOOVWnQG DWW XW|YD I|UVlNULQJVI|UPHGOLQJ 'HW DYYLNHU IUnQ YDG VRP JlOOHU I|U W H[ EDQNU|UHOVH RFK YlUGHSDSSHUVU|UHOVH

)|U WLOOVWnQG WLOO I|UVlNULQJVU|UHOVH EDQNU|UHOVH YlUGHSDSSHUVU|UHOVH RFK IRQGYHUNVDPKHW NUlYV EO D DWW GHQ VRP DYVHU DWW LQJn L VW\UHOVHQ I|U I|UHWDJHW HOOHU YDUD YHUNVWlOODQGH GLUHNW|U HOOHU GHQQHV VWlOOI|UHWUlGDUH KDU GH LQVLNWHU RFK GHQ HUIDUHQKHWHQ I|U DWW GHOWD L OHGQLQJHQ DY I|UHWDJHW RFK lYHQ L |YULJW lU OlPSOLJ I|U HQ VnGDQ XSSJLIW .UDYHQ Sn OHGQLQJV SHUVRQHU L IUnJD RP I|UVlNULQJVU|UHOVH EDQNU|UHOVH YlUGHSDSSHUVU|UHOVH RFK IRQGYHUNVDPKHW lU VnOHGHV OLNDO\GDQGH QlU GHW JlOOHU OlPSOLJKHW L DOOPlQKHW .UDYHQ KDU LQI|UWV VDPWLGLJW I|U GHVVD U|UHOVHU XWRP QlU GHW JlOOHU IRQGYHUNVDPKHW SURS V ± RFK I , IUnJD RP

IRQGYHUNVDPKHW DYVHV GRFN LQJHQ VNLOOQDG MlPI|UW PHG YDG VRP JlOOHU Sn

opaginerad Försäkringsdistributionsdirektivet Kontrollera mot PDF

ILQDQVPDUNQDGVRPUnGHW L |YULJW SURS V 0HG NUDYHW DYVHV HQOLJW I|UDUEHWHQD WLOO GH ODJDU VRP DYVHU I|UVlNULQJVU|UHOVH EDQNU|UHOVH RFK YlUGHSDSSHUVU|UHOVH EO D DWW GHQ VRP LQJnU L OHGQLQJHQ E|U KD GH SHUVRQOLJD HJHQVNDSHU L IUnJD RP RPG|PHVJLOOKHW VRP XSSJLIWHQ NUlYHU SURS V 'HQ SU|YQLQJ DY OHGQLQJV SHUVRQHU VRP )LQDQVLQVSHNWLRQHQ J|U EHWUlIIDQGH QlPQGD ILQDQVLHOOD I|UHWDJ EUXNDU NDOODV OHGQLQJVSU|YQLQJ

+|JVWD I|UYDOWQLQJVGRPVWROHQ KDU WDJLW VWlOOQLQJ WLOO YLVVD IUnJRU RP OHGQLQJVSU|YQLQJ DYVHHQGH HQ VW\UHOVHOHGDPRW L HWW IRQGERODJ UlWWVIDOOHW +)' UHI 5lWWVIDOOHW JlOOGH HQ SHUVRQ VRP WLGLJDUH KDGH YDULW VW\UHOVHOHGDPRW L HWW V N ILQDQVLHOOW KROGLQJI|UHWDJ GYV HWW PRGHUI|UHWDJ WLOO HWW ILQDQVLHOOW I|UHWDJ 'HW ILQDQVLHOOD I|UHWDJHW L IUnJD YDU HQ EDQN %DQNHQV WLOOVWnQG DWW GULYD EDQNU|UHOVH KDGH nWHUNDOODWV DY )LQDQV LQVSHNWLRQHQ HIWHU DWW LQVSHNWLRQHQ KDGH IXQQLW RPIDWWDQGH RFK V\QQHUOLJHQ DOOYDUOLJD EULVWHU L YHUNVDPKHWHQ 6DNIUnJDQ L PnOHW JlOOGH RP )LQDQVLQVSHNWLRQHQ KDIW IRJ I|U VLQ EHG|PQLQJ DWW SHUVRQHQ L IUnJD LQWH XSSI\OOGH GHW NUDY Sn OlPSOLJKHW VRP VWlOOV I|U DWW In LQJn L IRQG ERODJHWV VW\UHOVH PHG DQOHGQLQJ DY SHUVRQHQV WLGLJDUH XSSGUDJ RFK DQVYDU VRP VW\UHOVHOHGDPRW L EDQNHQV PRGHUI|UHWDJ KROGLQJI|UHWDJ

+|JVWD I|UYDOWQLQJVGRPVWROHQ NRQVWDWHUDGH DWW ILQDQVLHOOD I|UHWDJV YHUNVDPKHW KDU VWRU EHW\GHOVH I|U KHOD VDPKlOOVOLYHW RFK DWW I|UHWDJHQ GlUI|U lU NULQJJlUGDGH DY RPIDWWDQGH VlUVNLOG UHJOHULQJ 5HJOHUQD V\IWDU WLOO DWW VlNHUVWlOOD DWW YLVVD I|U VDPKlOOHW RFK HQVNLOGD VlUVNLOW YLNWLJD lQGDPnO NDQ XSSQnV YDUDY ILQDQVLHOO VWDELOLWHW RFK NRQVXPHQWVN\GG lU FHQWUDOD 6\VWHPHW PHG OHGQLQJVSU|YQLQJ lU HQ YLNWLJ NRPSRQHQW L UHJHOYHUNHW (QOLJW +|JVWD I|UYDOWQLQJVGRPVWROHQ NDQ GHW VlJDV LQQHElUD DWW ODJVWLIWDUHQ KDU XSSVWlOOW GHW NUDYHW DWW SHUVRQHU YDUV OlPSOLJKHW DWW LQJn L ILQDQVLHOOD I|UHWDJV VW\UHOVHU LQWH lU NODUODJG LQWH VND In YDUD VW\UHOVHOHGDP|WHU L VnGDQD I|UHWDJ

+|JVWD I|UYDOWQLQJVGRPVWROHQ JMRUGH YLGDUH EHG|PQLQJHQ DWW HWW ILQDQVLHOOW KROGLQJI|UHWDJV OHGQLQJ PnVWH DQVHV KD HWW DQVYDU L I|UKnOODQGH WLOO GRWWHUERODJ LQRP VDPPD I|UHWDJVJUXSS LQWH PLQVW QlU GHW JlOOHU IUnJRU DY DYJ|UDQGH EHW\GHOVH I|U DWW NXQQD EHG|PD GH ILQDQVLHOOD I|U KnOODQGHQD

$Y +|JVWD I|UYDOWQLQJVGRPVWROHQV EHG|PQLQJ L UlWWVIDOOHW I|OMHU VnOHGHV EO D DWW GHW YLG OHGQLQJVSU|YQLQJ DYVHHQGH L YDUW IDOO IRQGERODJ ILQQV VNlO DWW EHDNWD KXU YHUNVDPKHWHQ KDU GULYLWV L HWW DQQDW ILQDQVLHOOW I|UHWDJ VRP GHQ SHUVRQHQ KDU LQJnWW L OHGQLQJHQ I|U lYHQ RP GHW U|U VLJ RP HWW DQQDW VODJ DY ILQDQVLHOOW I|UHWDJ 9LGDUH KDU +|JVWD I|UYDOWQLQJV GRPVWROHQ WRONDW NUDYHW Sn OlPSOLJKHW Sn Vn VlWW DWW GHW PnVWH YDUD NODUODJW DWW NUDYHW Sn OlPSOLJKHW lU XSSI\OOW 'RPVWROHQ KDU DOOWVn LQWH WRONDW NUDYHW Sn Vn VlWW DWW WLOOVWnQG VND EHYLOMDV VnYLGD GHW LQWH lU NODUODJW DWW SHUVRQHQ L IUnJD lU ROlPSOLJ I|U XSSGUDJHW 7RONQLQJHQ KDU EHW\GHOVH I|U YHP VRP NDQ VlJDV KD EHYLVE|UGDQ L I|UKnOODQGH WLOO OlPSOLJKHWV NUDYHW

Försäkringsdistributionsdirektivet

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW LQQHKnOOHU VRP QlPQV L DYVQLWW HWW NUDY Sn JRG YDQGHO DUWLNHO 0HGOHPVVWDWHUQD InU IDVWVWlOOD

VWUlQJDUH NUDY lQ GH VRP DQJHV L GLUHNWLYHW HOOHU OlJJD WLOO \WWHUOLJDUH NUDY

opaginerad Försäkringsdistributionsdirektivet Kontrollera mot PDF

I|U GH I|UVlNULQJVI|UPHGODUH HOOHU nWHUI|UVlNULQJVI|UPHGODUH VRP lU

UHJLVWUHUDGH LQRP GHUDV MXULVGLNWLRQ MIU VNlO 'HW lU VnOHGHV P|MOLJW

PHG KlQV\Q WLOO GLUHNWLYHW DWW LQI|UD HQ XW|NDG OlPSOLJKHWVSU|YQLQJ I|U

VYHQVND I|UVlNULQJVI|UPHGODUH

Krav på lämplighet bör införas

0RW EDNJUXQG DY GHW RYDQ DQI|UGD E|U NUDYHQ I|U WLOOVWnQG DWW EHGULYD I|UVlNULQJVGLVWULEXWLRQ VNlUSDV 'HW IUDPVWnU VRP DQJHOlJHW I|U DWW VWlUND NRQVXPHQWVN\GGHW DWW PRWVYDUDQGH NUDY Sn OlPSOLJKHW VRP VWlOOV XSS Sn DQGUD QlUOLJJDQGH RPUnGHQ lYHQ LQI|UV I|U I|UVlNULQJVI|UPHGODUH 'HQ VDPODGH ELOGHQ VRP IUDPJnU IUlPVW DY )LQDQVLQVSHNWLRQHQV WLOOV\QV UDSSRUWHU JHU YLG KDQGHQ DWW GHW lU I|U HQNHOW DWW NRPPD LQ Sn I|UVlN ULQJVI|UPHGOLQJVPDUNQDGHQ (Q RUGQLQJ VRP P|MOLJJ|U DWW RVHUL|VD DNW|UHU HQNHOW NDQ WUlGD LQ Sn RFK XW IUnQ PDUNQDGHQ I|UVYDJDU NXQG VN\GGHW VDPW ULVNHUDU DWW \WWHUVW SnYHUND XWEXGHW DY DQVYDUVI|UVlNULQJDU 'HW E|U GlUI|U LQI|UDV HWW NUDY L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ Sn DWW GHQ I\VLVND SHUVRQ VRP VND EHGULYD I|UVlNULQJVGLVWULEXWLRQ XW|YHU GH NUDY VRP JlOOHU HQOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ lYHQ L |YULJW VND YDUD OlPSOLJ DWW XW|YD YHUNVDPKHWHQ 6DPPD NUDY E|U VWlOODV Sn GHQ VRP VND LQJn L OHGQLQJHQ L HQ MXULGLVN SHUVRQ VRP VND XW|YD VnGDQ YHUNVDPKHW HOOHU YDUD HUVlWWDUH I|U GHQQH VH DYVQLWW QlU GHW JlOOHU |YULJD NUDY I|U MXULGLVND SHUVRQHU 1nJRW PRWVYDUDQGH NUDY E|U GRFN LQWH VWlOODV Sn DQVWlOOGD KRV HQ MXULGLVN SHUVRQ VRP VND EHGULYD I|UVlN ULQJVGLVWULEXWLRQ HIWHUVRP GHW lU GHQ MXULGLVND SHUVRQHQ VRP VND NRQWUROOHUD RP NUDYHQ Sn DQVWlOOGD VRP VND GLVWULEXHUD I|UVlNULQJDU lU XSSI\OOGD VH DYVQLWW

Vilka bör omfattas av lämplighetsprövningen och vem bör utföra den?

, SURPHPRULDQ 6WlUNW NRQVXPHQWVN\GG YLG I|UVlNULQJVI|UPHGOLQJ

'V I|UHVOnV DWW OlPSOLJKHWVSU|YQLQJHQ I|U I|UVlNULQJV

I|UPHGODUH VND XWYLGJDV JHQRP HWW NUDY Sn DWW GHQ VRP VND LQJn L

OHGQLQJHQ I|U HQ MXULGLVN SHUVRQ lYHQ L |YULJW VND YDUD OlPSOLJ DWW J|UD

GHW PHQ DWW GHW LQWH VND JlOOD lYHQ L IUnJD RP DQNQXWQD I|UVlNULQJV

I|UPHGODUH V I 'HW NRQVWDWHUDV L GHQ SURPHPRULDQ DWW I|UVODJHW RP

XW|NDG OlPSOLJKHWVSU|YQLQJ LQQHElU DWW VWUlQJDUH NUDY NRPPHU DWW JlOOD

I|U GH I|UVlNULQJVI|UPHGODUH VRP KDU WLOOVWnQG MlPI|UW PHG DQNQXWQD

I|UVlNULQJVI|UPHGODUH 'HW lU HQ NRQVHNYHQV DY DWW NUDYHQ I|U UHJLVWUH

ULQJ DY HQ DQNQXWHQ I|UVlNULQJVI|UPHGODUH SU|YDV DY HWW I|UVlNULQJV

I|UHWDJ RFK DWW I|UVlNULQJVI|UHWDJHQ LQWH E|U J|UD HQ DOOPlQ OlPSOLJKHWV

SU|YQLQJ 6nGDQD SU|YQLQJDU E|U L VWlOOHW YDUD I|UEHKnOOQD P\QGLJKHWHU ,

GHQ SURPHPRULDQ DQI|UV YLGDUH DWW lYHQ RP GHW lU |QVNYlUW PHG OLNQDQGH

NUDY I|U VDPWOLJD I|UVlNULQJVI|UPHGODUH ILQQV GHW LQWH KHOOHU VNlO DWW

DYVWn IUnQ HQ ODJlQGULQJ PHG KlQV\Q WLOO GHQQD VNLOOQDG 'HVVXWRP

NRPPHU L SUDNWLNHQ NQDSSDVW VnGDQD SHUVRQHU VRP LQWH DOOPlQW VHWW lU

OlPSOLJD I|U DWW XW|YD I|UVlNULQJVI|UPHGOLQJ DWW UHJLVWUHUDV VRP DQNQXWQD

I|UVlNULQJVI|UPHGODUH 6NlOHW WLOO GHW lU DWW GHW OLJJHU L I|UVlNULQJV

I|UHWDJHWV HJHW LQWUHVVH DWW VlNHUVWlOOD DWW I|UPHGODUHQ GULYHU HQ VHUL|V

YHUNVDPKHW LQWH PLQVW Gn I|UVlNULQJVI|UHWDJHW SnWDU VLJ HWW VNDGHVWnQGV

DQVYDU I|U I|UPHGODUHQ

opaginerad , QlPQGD SURPHPRULD |YHUYlJV RFNVn DOWHUQDWLYD O|VQLQJDU I|U DWW Kontrollera mot PDF

, QlPQGD SURPHPRULD |YHUYlJV RFNVn DOWHUQDWLYD O|VQLQJDU I|U DWW

XSSQn HWW VWlUNW NRQVXPHQWVN\GG L GHW QX DNWXHOOD DYVHHQGHW YDUYLG I|OMDQGH DQI|UV (WW DOWHUQDWLY lU VnOHGHV DWW LQWH OlQJUH J|UD HQ XSSGHOQLQJ PHOODQ GHVVD NDWHJRULHU DY I|UVlNULQJVI|UPHGODUH GYV DWW VDPWOLJD I|UPHGODUH WLOOVWnQGVSU|YDV DY )LQDQVLQVSHNWLRQHQ (WW DQQDW WlQNEDUW DOWHUQDWLY VNXOOH YDUD DWW VDPWOLJD GH DQVWlOOGD VRP XWI|U I|UVlNULQJVI|UPHGOLQJ KRV HQ MXULGLVN SHUVRQ WLOOVWnQGVSU|YDV DY )LQDQVLQVSHNWLRQHQ HQ VODJV OLFHQVLHULQJ L VWlOOHW I|U DWW GHQ MXULGLVND SHUVRQHQ VMlOY NRQWUROOHUDU RP GHQ DQVWlOOGH XSSI\OOHU NUDYHQ L I|UVlNULQJVI|UPHGOLQJVODJHQ %nGD GHVVD DOWHUQDWLYD O|VQLQJDU LQQHElU GRFN P\FNHW VWRUD I|UlQGULQJDU I|U I|UVlNULQJVI|UPHGOLQJVPDUNQDGHQ , YDUW IDOO I|UH GHW DWW GHW RPDUEHWDGH I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW KDU DQWDJLWV ILQQV GHW LQWH VNlO DWW |YHUYlJD I|UlQGULQJDU DY GHQ RPIDWW QLQJHQ 1nJRQ ODJlQGULQJ E|U HQOLJW GHQ SURPHPRULDQ VnOHGHV LQWH J|UDV YDG JlOOHU DQNQXWQD I|UVlNULQJVI|UPHGODUH , VDPPD SURPHPRULD |YHU YlJV lYHQ HQ O|VQLQJ VRP LQQHElU DWW HWW SHUVRQOLJW DQVYDU I|U OHGQLQJHQ L HQ MXULGLVN SHUVRQ VRP XW|YDU I|UVlNULQJVI|UPHGOLQJ LQI|UV , GHQ SURPHPRULDQ J|UV GRFN EHG|PQLQJHQ DWW HQ VnGDQ O|VQLQJ VNXOOH NUlYD |YHUYlJDQGHQ VRP LQWH U\PV LQRP UDPHQ I|U GHW ODJVWLIWQLQJVlUHQGHW

6RP DQJHV RYDQ JnU GHW NUDY Sn OlPSOLJKHW VRP I|UHVOnV L I|UHYDUDQGH SURPHPRULD OlQJUH lQ YDG VRP NUlYV HQOLJW I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW , GLUHNWLYHW DQJHV HPHOOHUWLG DWW GHW E|U VlNHUVWlOODV DWW HQ RFK VDPPD NRQVXPHQWVN\GGVQLYn WLOOlPSDV RFK DWW DOOD NRQVXPHQWHU RPIDWWDV DY MlPI|UEDUD QRUPHU VH VNlO 'LUHNWLYHW E|U IUlPMD OLND YLOONRU RFK OLNYlUGLJD NRQNXUUHQVYLOONRU I|U DOOD I|UPHGODUH RDYVHWW RP GHVVD lU NQXWQD WLOO HWW I|UVlNULQJVI|UHWDJ HOOHU LQWH 'HW DQJHV YLGDUH DWW GHW lU WLOO I|UGHO I|U NRQVXPHQWHUQD RP I|UVlNULQJVSURGXNWHU GLVWULEXHUDV YLD IOHUD ROLND NDQDOHU RFK YLD I|UPHGODUH PHG ROLND IRUPHU DY VDPDUEHWH PHG I|UVlNULQJVI|UHWDJ I|UXWVDWW DWW GH lU VN\OGLJD DWW WLOOlPSD MlPI|UEDUD EHVWlPPHOVHU RP NRQVXPHQWVN\GG

bYHQ RP GHW VRP DQJHV L GLUHNWLYHW RP GHWWD WRUGH KD EHJUlQVDG

EHW\GHOVH L IUnJD RP HWW NUDY VRP LQWH VWlOOV XSS L GLUHNWLYHW ILQQV GHW QX DQOHGQLQJ DWW DQVH ± L OLNKHW PHG GHQ EHG|PQLQJ VRP JMRUGHV L SURPHPRULDQ 6WlUNW NRQVXPHQWVN\GG YLG I|UVlNULQJVI|UPHGOLQJ 'V ± DWW GHW KDGH YDULW |QVNYlUW PHG OLNQDQGH NUDY I|U VDPWOLJD I|UVlNULQJVI|UPHGODUH 'HW WRUGH RIWD I|UHNRPPD DWW HQ NRQVXPHQW lU RPHGYHWHQ RP YLONHQ JUXSS HQ YLVV I|UVlNULQJVI|UPHGODUH WLOOK|U RFK GlUPHG XQGHU YLOND I|UXWVlWWQLQJDU GHQQH DJHUDU VDPWLGLJW VRP EHKRYHW DY NRQVXPHQWVN\GG lU GHWVDPPD RDYVHWW GLVWULEXWLRQVIRUPHQ (Q RUGQLQJ VRP VNXOOH LQQHElUD DWW DOOD DQNQXWQD I|UVlNULQJVI|UPHGODUH VNXOOH RPIDWWDV DY GHQ XWYLGJDGH OlPSOLJKHWVSU|YQLQJ VRP I|UHVOnV L GHQQD SURPHPRULD VNXOOH DY VNlO VRP DQJHV QHGDQ lYHQ PHGI|UD DWW GHQQD JUXSS VNXOOH EHK|YD WLOOVWnQG DY )LQDQVLQVSHNWLRQHQ (WW VnGDQW I|UVODJ VNXOOH In HQ P\FNHW VWRU SnYHUNDQ Sn I|UVlNULQJVI|UPHG OLQJVPDUNQDGHQ RFK YDUD \WWHUVW UHVXUVNUlYDQGH I|U )LQDQVLQVSHNWLRQHQ

WLOO I|OMG DY DWW IOHUD DNW|UHU VNXOOH RPIDWWDV DY WLOOVWnQGVSOLNW $Y GHW VNlOHW InU GHW LQWH DQVHV OlPSOLJW DWW Jn IXOOW Vn OnQJW VRP Konsument- verket Finansinspektionen RFK PTK I|UHVOnU 'HW VRP DQJHV RYDQ RP

NRVWQDGVDVSHNWHQ RFK HIIHNWLY KDQWHULQJ VDPW SURSRUWLRQDOLWHW VH DYVQLWW J|U VLJ JlOODQGH lYHQ KlU

opaginerad Utländska försäkringsförmedlare Kontrollera mot PDF

6RP DQJHV RYDQ L DYVQLWW JnU GHW DWW L GHQ JUXSS VRP HQOLJW I|UVODJHQ L GHQQD SURPHPRULD NRPPHU DWW YDUD DQNQXWQD I|UVlNULQJV I|UPHGODUH DWW VlUVNLOMD GHQ JUXSS DY I|UVlNULQJVI|UPHGODUH VRP GLVWULEXHUDU I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU HOOHU SHQVLRQV I|UVlNULQJDU VRP lU H[SRQHUDGH PRW PDUNQDGVYRODWLOLWHW +lU lU GHW IUnJD RP I|UVlNULQJDU PHG OnQJD O|SWLGHU RFK VRP RIWD NDQ DYVH EHW\GDQGH SUHPLHEHORSS RFK VRP W\SLVNW VHWW KDU VWRU SULYDWHNRQRPLVN LQYHUNDQ I|U GH HQVNLOGD 'HQQD JUXSS RPIDWWDV HQOLJW I|UVODJHW DY WLOOVWnQGVSOLNW RFK NRPPHU GlUI|U lYHQ DWW RPIDWWDV DY OlPSOLJKHWVSU|YQLQJ

1lU GHW JlOOHU IUnJDQ RP YHP VRP VND DQI|UWURV XSSJLIWHU DWW XWI|UD OlPSOLJKHWVSU|YQLQJ J|UV EHG|PQLQJHQ DWW GHQ NRQWUROO LQI|U UHJLVWUHULQJ VRP VND XWI|UDV DY GHQ VRP VND DQPlOD QnJRQ DQQDQ I|U UHJLVWUHULQJ KRV %RODJVYHUNHW LQWH lU HQ VnGDQ WLOOVWnQGVSU|YQLQJ VRP Q|GYlQGLJWYLV PnVWH XWI|UDV DY P\QGLJKHWHU VH DYVQLWW 'HQ VLWXDWLRQHQ VNLOMHU VLJ GRFN IUnQ GHQ I|UHYDUDQGH Gn OlPSOLJKHWVSU|YQLQJHQ LQQHIDWWDU EHG|PQLQJDU PHG PHU VN|QVPlVVLJD LQVODJ 'HW IUDPVWnU LQWH VRP SUDNWLVNW P|MOLJW HOOHU HQV HIWHUVWUlYDQVYlUW DWW JHQRP I|UHVNULIWHU Sn OlJUH QLYn lQ ODJ UHJOHUD OlPSOLJKHWVSU|YQLQJHQ Vn DWW PRPHQWHW DY PDWHULHOO SU|YQLQJ WDV ERUW 'HW OLJJHU L OlPSOLJKHWVSU|YQLQJHQV QDWXU DWW GHQ VND XWJ|UD HQ PDWHULHOO SU|YQLQJ 'HW E|U KlU lYHQ QlPQDV DWW OlPSOLJKHWVSU|YQLQJDU L DQQDQ ODJVWLIWQLQJ XWI|UV DY P\QGLJKHW VH DYVQLWWHW RYDQ RP OlPSOLJKHWVSU|YQLQJ L DQQDQ ODJVWLIWQLQJ ). (IWHUVRP GHW lU IUnJD RP HQ PDWHULHOO SU|YQLQJ EOLU EHKRYHW DY HQ HQKHWOLJ UlWWVWLOOlPSQLQJ RFK WLOOK|UDQGH SUD[LVELOGQLQJ VlUVNLOW IUDPWUlGDQGH YLONHW \WWHUOLJDUH WDODU I|U DWW XSSJLIWHQ VND XWI|UDV DY HQ RFK VDPPD P\QGLJKHW 'HW VHQDUH PRWLYHUDV lYHQ DY HIIHNWLYLWHWVYLQVWHU VRP XSSVWnU MlPI|UW PHG RP XSSJLIWHQ VSULGV Sn IOHUD ROLND P\QGLJKHWHU 0RW GHQQD EDNJUXQG E|U )LQDQVLQVSHNWLRQHQ J|UD OlPSOLJKHWVSU|YQLQJHQ L VDPEDQG PHG SU|YQLQJHQ DY DQV|NDQ RP WLOOVWnQG )LQDQVLQVSHNWLRQHQ lU RFNVn GHW RUJDQ VRP LQWH VlOODQ KDU WLOOJnQJ WLOO VnGDQ LQIRUPDWLRQ VRP NDQ KD EHW\GHOVH I|U GHQ QX DNWXHOOD SU|YQLQJHQ VH DYVQLWWHW QHGDQ RP YDG DYVHV PHG L |YULJW OlPSOLJ

9LG OlPSOLJKHWVSU|YQLQJ HQOLJW DQQDQ ODJVWLIWQLQJ EUXNDU VN|WVDPKHW L HNRQRPLVND DQJHOlJHQKHWHU NXQQD YlJDV LQ , ODJHQ RP I|UVlNULQJV I|UPHGOLQJ LQJnU VN|WVDPKHW L HNRQRPLVND DQJHOlJHQKHWHU VRP HWW VlUVNLOW UHNYLVLW L GHQ YDQGHOVSU|YQLQJ VRP VND J|UDV NDS † 0RW EDNJUXQG DY DWW HQ VWRU GHO DY I|UVlNULQJVI|UPHGODUQD QlPOLJHQ DQNQXWQD VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH RFK PHUSDUWHQ DY GH DQNQXWQD I|UVlNULQJVI|UPHGODUQD lYHQ L IRUWVlWWQLQJHQ VND NRQWUROOHUDV DY I|UVlNULQJVI|UHWDJ HOOHU QnJRQ DQQDQ I|UVlNULQJVI|UPHGODUH LQI|U UHJLVWUHULQJ KRV %RODJVYHUNHW E|U GHQQD XSSGHOQLQJ JlOOD lYHQ HQOLJW GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

Utländska försäkringsförmedlare

8WOlQGVND I|UVlNULQJVI|UPHGODUH VRP K|U KHPPD L HWW ODQG LQRP ((6 EHU|UV LQWH DY GHQ QX DNWXHOOD IUnJDQ HIWHUVRP GH L KXYXGVDN HQGDVW EHK|YHU I|OMD GH UHJOHU VRP JlOOHU L KHPODQGHW 'HW lU GRFN OlPSOLJW DWW GHQ XWYLGJDGH OlPSOLJKHWVSU|YQLQJHQ lYHQ VND JlOOD I|U I|UPHGODUH VRP K|U KHPPD L HWW ODQG VRP LQWH LQJnU L ((6 )|U VnGDQD I|UPHGODUH JlOOHU

NUDY Sn WLOOVWnQG DY )LQDQVLQVSHNWLRQHQ VH DYVQLWW

opaginerad Vad avses med i övrigt lämplig? Kontrollera mot PDF

Vad avses med i övrigt lämplig?

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU E|U In PHGGHOD I|UHVNULIWHU RP YDG VRP DYVHV PHG NUDYHW Sn DWW HQ I|UVlNULQJV I|UPHGODUH lYHQ L |YULJW lU OlPSOLJ I|U XSSGUDJHW

)|OMDQGH DOOPlQQD |YHUYlJDQGHQ RFK XWJnQJVSXQNWHU E|U EHDNWDV QlU GHW JlOOHU GHW QlUPDUH LQQHKnOOHW L GHVVD UHJOHU 'HW PnVWH YDUD UHJOHU VRP VNDSDU I|UXWVHEDUKHW RFK VRP LQWH IUDPVWnU VRP JRGW\FNOLJD 'HWWD InU HPHOOHUWLG LQWH GULYDV Vn OnQJW DWW GHW \WWHUVWD V\IWHW PHG OlPSOLJKHWV SU|YQLQJHQ LQWH XSSQnV GYV DWW I|UKLQGUD GLUHNW ROlPSOLJD SHUVRQHU IUnQ DWW YHUND VRP I|UVlNULQJVI|UPHGODUH

1lU OlPSOLJKHWVSU|YQLQJ VND J|UDV HQOLJW GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ NDQ OHGQLQJ KlPWDV IUnQ DQGUD ODJDU Sn ILQDQVPDUNQDGVRPUnGHW W H[ I|UVlNULQJVU|UHOVHODJHQ NDS † I|UVWD VW\FNHW 1lU GHW JlOOHU GH RPVWlQGLJKHWHU VRP VND OLJJD WLOO JUXQG I|U EHG|PQLQJHQ NDQ YLVVD NULWHULHU DQJHV XW|YHU YDG VRP IUDPJnU DY I|UDUEHWHQD WLOO W H[ I|UVlNULQJVU|UHOVHODJHQ 2P QnJRQ KDU KDIW WLOOVWnQG I|U DWW XW|YD I|UVlNULQJVI|UPHGOLQJ RFK L GHQQD YHUNVDPKHW nVLGRVDWW VLQD VN\OGLJKHWHU HQOLJW GHQ Q\D ODJHQ I|UHVNULIWHU VRP KDU PHGGHODWV PHG VW|G DY GHQ ODJHQ HOOHU HQOLJW DQGUD I|UIDWWQLQJDU VRP UHJOHUDU I|UVlNULQJVI|UPHGODUHQV YHUNVDPKHW RFK W H[ KDU I|UNODUDW VLJ DYVWn IUnQ WLOOVWnQGHW RFK RP GHW lU DQWDJOLJW DWW GHWWD DYVWnHQGH V\IWDU WLOO DWW XQGJn HQ HYHQWXHOO VDQNWLRQ L HWW SnJnHQGH WLOOV\QVlUHQGH E|U GHW J|UDV HQ EHG|PQLQJ L GHW HQVNLOGD IDOOHW RP SHUVRQHQ NDQ DQVHV OlPSOLJ I|U DWW In HWW Q\WW WLOOVWnQG YLG HWW VHQDUH WLOOIlOOH %HYLVNUDYHW DQWDJOLJW lU HWW OnJW EHYLVNUDY YLONHW WRUGH LQQHElUD DWW IOHUWDOHW IDOO DY HJQD DYVWnHQGHQ HOOHU nWHUNDOOHOVHU DY WLOOVWnQG XQGHU SnJnHQGH WLOOV\QVlUHQGHQ E|U OHGD WLOO DWW GHQ HIWHUI|OMDQGH EHG|PQLQJHQ DWW SHUVRQHQ L IUnJD LQWH lU OlPSOLJ DWW YHUND VRP I|UVlNULQJVI|UPHGODUH 'HWVDPPD E|U JlOOD RP WLOOVWnQGHW KDU nWHUNDOODWV I|U DWW I|UPHGODUHQ LQWH KDU XW|YDW WLOOVWnQGVSOLNWLJ YHUNVDPKHW XQGHU HQ VDPPDQKlQJDQGH WLG DY VH[ PnQDGHU HOOHU LQWH OlQJUH XSSI\OOHU I|UXWVlWWQLQJDUQD I|U WLOOVWnQG bYHQ OLNQDQGH DJHUDQGHQ VRP V\IWDU WLOO DWW XQGJn HQ HYHQWXHOO VDQNWLRQ L HWW SnJnHQGH WLOOV\QVlUHQGH W H[ XSSVlJQLQJ DY DQVYDUVI|UVlNULQJ E|U NXQQD SnYHUND XWIDOOHW DY HQ OlPSOLJKHWVSU|YQLQJ WLOO V|NDQGHQV QDFNGHO

(YHQWXHOOD |YHUWUlGHOVHU InU EHDNWDV lYHQ RP QnJRW EHVOXW RP LQJULSDQGH LQWH KDU IDWWDWV DY )LQDQVLQVSHNWLRQHQ $YJ|UDQGH E|U L VWlOOHW YDUD RP )LQDQVLQVSHNWLRQHQ KDU WLOOUlFNOLJ JUXQG I|U DWW GUD VOXWVDWVHQ DWW HQ |YHUWUlGHOVH KDU lJW UXP .UDYHW Sn DWW YDUD OlPSOLJ DWW XW|YD I|UVlNULQJVI|UPHGOLQJ InU L GHW VDPPDQKDQJHW I|UVWnV Sn Vn VlWW DWW HQ |YHUWUlGHOVH YDQOLJWYLV E|U XWHVOXWD HWW Q\WW WLOOVWnQG RP |YHUWUlGHOVHQ YDU Vn DOOYDUOLJ DWW HQ nWHUNDOOHOVH DY WLOOVWnQGHW KDGH NXQQDW NRPPD L IUnJD 'HW JlOOHU L YDUW IDOO RP |YHUWUlGHOVHQ LQWH OLJJHU OlQJUH lQ IHP nU WLOOEDND L WLGHQ MIU NDS † I|UVWD VW\FNHW )LQDQVLQVSHNWLRQHQV I|UHVNULIWHU RFK DOOPlQQD UnG RP I|UVlNULQJVI|UPHGOLQJ 2P GHW NDQ DQWDV DWW GHQ WLGLJDUH |YHUWUlGHOVHQ VNXOOH KD I|UDQOHWW HQ YDUQLQJ PHG HOOHU XWDQ VDQNWLRQVDYJLIW NDQ GHW RFNVn YDUD Vn DWW SHUVRQHQ L IUnJD LQWH lU OlPSOLJ I|U DWW Sn Q\WW EHGULYD I|UVlNULQJVGLVWULEXWLRQ )UnJDQ InU DYJ|UDV PHG OHGQLQJ DY KXU DOOYDUOLJ |YHUWUlGHOVHQ YDU 'HW E|U LQWH NUlYDV DWW GHQ WLGLJDUH |YHUWUlGHOVHQ PHG YLVVKHW KDGH I|UDQOHWW HQ YLVV VDQNWLRQ HIWHUVRP HQ VnGDQ EHG|PQLQJ lU VYnU DWW J|UD L HIWHUKDQG 2P

opaginerad bJDU RFK OHGQLQJVSU|YQLQJ P P Kontrollera mot PDF

GHW U|U VLJ RP HQ WLGLJDUH |YHUWUlGHOVH VRP InU DQVHV ULQJD HOOHU XUVlNWOLJ

E|U GHQ QRUPDOW VHWW LQWH XWHVOXWD DWW HWW Q\WW WLOOVWnQG EHYLOMDV

/lPSOLJKHWVSU|YQLQJHQ V\IWDU \WWHUVW WLOO DWW XWHVOXWD PLQGUH VHUL|VD

I|UVlNULQJVI|UPHGODUH IUnQ DWW EHGULYD I|UVlNULQJVGLVWULEXWLRQ 2P GHW

YLVDU VLJ DWW GHQ V|NDQGH WLGLJDUH KDU PLVVN|WW XSSGUDJ VRP I|UVlNULQJV

I|UPHGODUH HOOHU OLNQDQGH YHUNVDPKHW Sn HWW SnWDJOLJW VlWW E|U WLOOVWnQG

NXQQD YlJUDV 'HWVDPPD E|U JlOOD RP XWUHGQLQJHQ JHU YLG KDQGHQ DWW

V|NDQGHQ KDU lJQDW VLJ nW PLQGUH VHUL|V DIIlUVYHUNVDPKHW 2PVWlQGLJ

KHWHU VRP WLGLJDUH NRQNXUVHU HOOHU VWRUD VNDWWHVNXOGHU lU GlUHPRW

KlQI|UOLJD WLOO GHQ YDQGHOVSU|YQLQJ VRP VND J|UDV

bJDU RFK OHGQLQJVSU|YQLQJ P P

3URPHPRULDQV I|UVODJ %HVWlPPHOVHUQD RP OHGQLQJVSU|YQLQJ I|U MXULGLVND SHUVRQHU VRP lU I|UVlNULQJVI|UPHGODUH L ODJHQ RP I|UVlN ULQJVI|UPHGOLQJ VND I|UDV |YHU L KXYXGVDN RI|UlQGUDGH WLOO GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

8W|YHU GHVVD NUDY VND GHQ VRP VND LQJn L OHGQLQJHQ I|U HQ MXULGLVN SHUVRQ HOOHU YDUD HUVlWWDUH I|U GHQQH YDUD L |YULJW OlPSOLJ DWW LQJn L OHGQLQJHQ

.UDYHQ Sn JRG YDQGHO WLOOUlFNOLJ LQVLNW RFK HUIDUHQKHW VDPW L |YULJW YDUD OlPSOLJ VND WLOOlPSDV lYHQ Sn GHQ VRP VND LQJn L OHGQLQJHQ HOOHU YDUD HUVlWWDUH I|U GHQQH I|U HWW I|UVlNULQJVI|UHWDJ VRP EHGULYHU I|UVlN ULQJVGLVWULEXWLRQ

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU PHGGHOD I|UHVNULIWHU RP

YDG VRP VND DYVHV PHG L |YULJW OlPSOLJ DWW LQJn L OHGQLQJHQ YLONHQ LQVLNW RFK HUIDUHQKHW VRP NUlYV I|U DWW LQJn L OHGQLQJHQ

RFK

YDG VRP VND DYVHV PHG GHQ VRP VND LQJn L GHQ MXULGLVND SHUVRQHQV OHGQLQJ HOOHU YDUD HUVlWWDUH I|U GHQQH

3URPHPRULDQV EHG|PQLQJ 'HW E|U LQWH LQI|UDV QnJUD UHJOHU RP lJDUSU|YQLQJ

6NlOHQ I|U SURPHPRULDQV I|UVODJ RFK EHG|PQLQJ

Gällande rätt

/DJHQ RP I|UVlNULQJVI|UPHGOLQJ LQQHKnOOHU LQWH QnJUD NUDY Sn lJDU SU|YQLQJ PHQ GlUHPRW VND GH SHUVRQHU VRP VND LQJn L OHGQLQJHQ I|U HQ MXULGLVN SHUVRQ XSSI\OOD YLVVD NUDY NDS † I|UVWD VW\FNHW )|U EO D NUHGLWLQVWLWXW YlUGHSDSSHUVERODJ RFK I|UVlNULQJVI|UHWDJ ILQQV GHW GlUHPRW UHJOHU RP VnYlO lJDU VRP OHGQLQJVSU|YQLQJ

5HJOHUQD RP lJDUSU|YQLQJ LQQHElU L KXYXGVDN I|OMDQGH VH W H[ NDS † I|UVWD VW\FNHW RFK DQGUD±IMlUGH VW\FNHQD ODJHQ RP EDQN RFK ILQDQVLHULQJVU|UHOVH 7LOOVWnQG DWW GULYD YHUNVDPKHW InU EDUD EHYLOMDV RP GHW NDQ DQWDV DWW GH VRP NRPPHU DWW lJD HWW NYDOLILFHUDW LQQHKDY L I|UHWDJHW LQWH NRPPHU DWW PRWYHUND HQ VXQG XWYHFNOLQJ DY YHUNVDPKHWHQ RFK DWW GH lYHQ L |YULJW lU OlPSOLJD DWW XW|YD HWW YlVHQWOLJW LQIO\WDQGH |YHU

OHGQLQJHQ DY I|UHWDJHW 0HG HWW NYDOLILFHUDW LQQHKDY I|UVWnV DWW QnJRQ

opaginerad Försäkringsdistributionsdirektivet Kontrollera mot PDF

GLUHNW HOOHU LQGLUHNW lJHU DNWLHU HOOHU DQGHODU L HWW I|UHWDJ RP LQQHKDYHW UHSUHVHQWHUDU WLR SURFHQW HOOHU PHU DY NDSLWDOHW HOOHU DY VDPWOLJD U|VWHU HOOHU DQQDUV P|MOLJJ|U HWW YlVHQWOLJW LQIO\WDQGH |YHU OHGQLQJHQ DY I|UHWDJHW 7LOOVWnQG InU LQWH KHOOHU EHYLOMDV RP GHW NDQ DQWDV DWW HQ SHUVRQ VRP L YlVHQWOLJ PnQ KDU nVLGRVDWW VLQD VN\OGLJKHWHU L QlULQJVYHUNVDPKHW HOOHU L DQGUD HNRQRPLVND DQJHOlJHQKHWHU HOOHU KDU JMRUW VLJ VN\OGLJ WLOO DOOYDUOLJ EURWWVOLJKHW NRPPHU DWW KD HWW NYDOLILFHUDW LQQHKDY L I|UHWDJHW bJDUSU|YQLQJ VND lYHQ VNH YLG YLVVD I|UYlUY DY DNWLHU HOOHU DQGHODU L GH DNWXHOOD I|UHWDJHQ

5HJOHUQD RP OHGQLQJVSU|YQLQJ LQQHElU L KXYXGVDN I|OMDQGH VH W H[ NDS † I|UVWD VW\FNHW RFK ODJHQ RP EDQN RFK ILQDQVLHULQJV U|UHOVH 7LOOVWnQG DWW GULYD YHUNVDPKHW InU EDUD EHYLOMDV RP GH VRP VND LQJn L I|UHWDJHW OHGQLQJ KDU GH LQVLNWHU RFK GHQ HUIDUHQKHW VRP NUlYV I|U DWW OHGD GHQ DNWXHOOD YHUNVDPKHWHQ RFK DWW GH lYHQ L |YULJW lU OlPSOLJD I|U HQ VnGDQ XSSJLIW 3U|YQLQJHQ DYVHU VW\UHOVHOHGDP|WHU RFK HUVlWWDUH I|U GHP RFK ± PHG XQGDQWDJ I|U PHGOHPVEDQNHU RFK VSDUEDQNHU ± YHUN VWlOODQGH GLUHNW|UHQ RFK GHQQHV VWlOOI|UHWUlGDUH

0RWVYDUDQGH EHVWlPPHOVHU RP OHGQLQJVSU|YQLQJ ILQQV lYHQ L DQQDQ ODJVWLIWQLQJ Sn QlUOLJJDQGH RPUnGHQ VH RYDQ DYVQLWW RP OlPSOLJ KHWVSU|YQLQJ L DQQDQ ODJVWLIWQLQJ

Försäkringsdistributionsdirektivet

(QOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW VND PHGOHPVVWDWHUQD VlNHUVWlOOD DWW GH UHOHYDQWD SHUVRQHUQD L OHGQLQJHQ I|U VnGDQD I|UHWDJ VRP DQVYDUDU I|U GLVWULEXWLRQHQ DY I|UVlNULQJDU HOOHU nWHUI|UVlNULQJDU XSSYLVDU GH NXQVNDSHU RFK GHQ NRPSHWHQV VRP NUlYV I|U DWW XWI|UD DUEHWHW DUWLNHO IHPWH VW\FNHW

0HGOHPVVWDWHUQD VND lYHQ VlNHUVWlOOD DWW GH SHUVRQHU L OHGQLQJHQ VRP DQVYDUDU I|U I|UVlNULQJV HOOHU nWHUI|UVlNULQJVGLVWULEXWLRQ XSSI\OOHU NUDYHW Sn JRG YDQGHO DUWLNHO WUHGMH VW\FNHW

Bör det införas ledningsprövning av försäkringsförmedlare?

'HQ OHGQLQJVSU|YQLQJ VRP PHGOHPVVWDWHUQD VND VlNHUVWlOOD HQOLJW I|UVlN ULQJVGLVWULEXWLRQVGLUHNWLYHW PRWVYDUDU L DOOW YlVHQWOLJW GHQ VRP UHGDQ JlOOHU I|U I|UVlNULQJVI|UPHGODUH HQOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ %HVWlPPHOVHUQD RP OHGQLQJVSU|YQLQJ L GHQ ODJHQ E|U GlUI|U I|UDV |YHU L KXYXGVDN RI|UlQGUDGH WLOO GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RPIDWWDU WLOO VNLOOQDG IUnQ I|UVlN ULQJVI|UPHGOLQJVGLUHNWLYHW lYHQ I|UVlNULQJVI|UHWDJ VRP EHGULYHU I|UVlN ULQJVGLVWULEXWLRQ (QOLJW I|UVWQlPQGD GLUHNWLY VND GHQ VRP VND LQJn L OHGQLQJHQ I|U HWW VnGDQW I|UVlNULQJVI|UHWDJ XSSI\OOD NUDYHQ Sn JRG YDQGHO RFK OlPSOLJ NXQVNDS RFK NRPSHWHQV DUWLNHO I|UVWD RFK IHPWH VW\FNHW VDPW I|UVWD RFK WUHGMH VW\FNHW .UDYHW L GLUHNWLYHW E|U GlUI|U LQI|UDV L HQ PRWVYDUDQGH EHVWlPPHOVH L GHQ Q\D ODJHQ

, I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW lU LQQHE|UGHQ DY EHJUHSSHW OHGQLQJ QnJRW ROLND L UHJOHUQD RP NUDY Sn OlPSOLJ NXQVNDS RFK NRPSHWHQV DUWLNHO n HQD VLGDQ RFK L UHJOHUQD RP NUDY Sn JRG YDQGHO DUWLNHO n GHQ DQGUD

%HWUlIIDQGH NUDYHW Sn OlPSOLJ NXQVNDS RFK NRPSHWHQV DQJHV L

GLUHNWLYHW DWW PHGOHPVVWDWHUQD LQWH E|U EHWUDNWD GH FKHIHU HOOHU DQVWlOOGD

opaginerad DUWLNHO WUHGMH VW\FNHW Kontrollera mot PDF

VRP LQWH lU GLUHNW LQYROYHUDGH L GLVWULEXWLRQ DY I|UVlNULQJVSURGXNWHU VRP

UHOHYDQWD SHUVRQHU VNlO 'H SHUVRQHU LQRP OHGQLQJVVWUXNWXUHQ VRP

DQVYDUDU I|U YHUNVWlOODQGH DY VWUDWHJLHU RFK I|UIDUDQGHQ PHG DQNQ\WQLQJ

WLOO GLVWULEXWLRQHQ DY I|UVlNULQJVSURGXNWHU E|U GRFN XSSI\OOD NUDYHQ Sn

OlPSOLJ NXQVNDS RFK NRPSHWHQV .UDYHW Sn JRG YDQGHO VND XSSI\OODV DY

GH SHUVRQHU L OHGQLQJHQ VRP DQVYDUDU I|U I|UVlNULQJVGLVWULEXWLRQHQ

DUWLNHO WUHGMH VW\FNHW

(QOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ VND GHQ VRP VND LQJn L GHQ

MXULGLVND SHUVRQHQV OHGQLQJ HOOHU YDUD HUVlWWDUH I|U GHQQH XSSI\OOD

QlPQGD NUDY NDS † I|UVWD VW\FNHW , DQGUD ODJDU Sn ILQDQVPDUN

QDGVRPUnGHW EHVNULYV NUHWVHQ I|U OHGQLQJVSU|YQLQJ VRP ´GHQ VRP VND

LQJn L VW\UHOVHQ I|U I|UHWDJHW HOOHU YDUD YHUNVWlOODQGH GLUHNW|U L GHW HOOHU

YDUD HUVlWWDUH I|U QnJRQ DY GHP´ VH W H[ NDS † I|UVWD VW\FNHW ODJHQ

RP EDQN RFK ILQDQVLHULQJVU|UHOVH 'HQ VHQDUH EHVNULYQLQJHQ DY NUHWVHQ

IUDPVWnU VRP PHU SUHFLV RFK GlUPHG QnJRW VQlYDUH lQ GHQ EHVNULYQLQJ

VRP ILQQV L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ 1lPQGD NUDY L GLUHNWLYHW Sn

JRG YDQGHO VDPW OlPSOLJ NXQVNDS RFK NRPSHWHQV WRUGH NXQQD WUlIID lYHQ

DQGUD DQVWlOOGD PHG OHGDQGH EHIDWWQLQJDU VRP LQWH LQJnU L VW\UHOVHQ HOOHU

lU YHUNVWlOODQGH GLUHNW|U HOOHU HUVlWWDUH I|U QnJRQ L VnGDQ EHIDWWQLQJ L

GHQ MXULGLVND SHUVRQHQ (Q PHU DOOPlQW KnOOHQ EHVNULYQLQJ DY NUHWVHQ

EHG|PV lYHQ VYDUD PRW GH EnGD IRUPXOHULQJDUQD DY EHJUHSSHW OHGQLQJ

VRP I|UHNRPPHU L GLUHNWLYHW 0HG GHQ VRP VND LQJn L GHQ MXULGLVND

SHUVRQHQV OHGQLQJ HOOHU YDUD HUVlWWDUH I|U GHQQH DYVHV GH SHUVRQHU VRP

KDU GHW \WWHUVWD DQVYDUHW I|U KXU YHUNVDPKHWHQ EHGULYV MIU SURS

V 9HP HOOHU YLOND GHVVD SHUVRQHU lU InU DYJ|UDV PHG

OHGQLQJ DY DVVRFLDWLRQVUlWWVOLJD UHJOHU

0RW EDNJUXQG DY DWW I|UVlNULQJVI|UPHGODUH VRP lU MXULGLVND SHUVRQHU

NDQ YDULHUD DYVHYlUW L VnYlO VWRUOHN VRP RUJDQLVDWLRQVVWUXNWXU E|U

UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU In PHGGHOD

I|UHVNULIWHU RP GHQ QlUPDUH EHVWlPQLQJHQ DY GHQ NUHWV DY SHUVRQHU VRP

VND RPIDWWDV DY SU|YQLQJHQ (Q XWJnQJVSXQNW I|U VnGDQD I|UHVNULIWHU

WRUGH YDUD DOOPlQQD DVVRFLDWLRQVUlWWVOLJD UHJOHU PHQ DWW KlQV\Q E|U WDV

WLOO GH VNLOOQDGHU VRP I|UVlNULQJVGLVWULEXW|UHU NDQ XSSYLVD L QlPQGD

DYVHHQGHQ 'HW NDQ QlPQDV DWW )LQDQVLQVSHNWLRQHQ KDU PHGGHODW I|UH

VNULIWHU L IUnJD RP YHP VRP VND DQVHV LQJn L OHGQLQJHQ I|U HQ I|UVlN

ULQJVI|UPHGODUH VH NDS † )LQDQVLQVSHNWLRQHQV I|UHVNULIWHU RFK

DOOPlQQD UnG RP I|UVlNULQJVI|UPHGOLQJ

1lU GHW VHGDQ JlOOHU IUnJDQ YLOND NUDY VRP OHGQLQJHQ VND XSSI\OOD InU

UHJOHUQD RP JRG YDQGHO L GLUHNWLYHW DQVHV LQQHElUD DWW OHGQLQJHQ I|U GHQ

MXULGLVND SHUVRQHQ VND XSSI\OOD VDPPD NUDY Sn JRG YDQGHO VRP JlOOHU I|U

I\VLVND SHUVRQHU VRP I|UPHGODU I|UVlNULQJDU I|U GHQ MXULGLVND SHUVRQHQV

UlNQLQJ 'H NUDY VRP VWlOOV Sn |YULJD I\VLVND SHUVRQHU GYV DWW GH LQWH InU

YDUD XQGHUnULJD L NRQNXUV XQGHUNDVWDGH QlULQJVI|UEXG HOOHU KD

I|UYDOWDUH I|OMHU EHWUlIIDQGH DNWLHERODJ RFK HNRQRPLVND I|UHQLQJDU DY

DQQDQ ODJVWLIWQLQJ

8W|YHU NUDYHW Sn JRG YDQGHO VWlOOV L GLUHNWLYHW NUDY Sn DWW UHOHYDQWD

SHUVRQHU L OHGQLQJHQ VND KD GH NXQVNDSHU RFK GHQ NRPSHWHQV VRP NUlYV

I|U DWW XWI|UD DUEHWHW 'LUHNWLYHWV NUDY L GHWWD DYVHHQGH InU DQVHV XSSI\OOW

PHG HWW NUDY Sn DWW GH UHOHYDQWD SHUVRQHUQD VRP LQJnU L OHGQLQJHQ VND KD

WLOOUlFNOLJ LQVLNW RFK HUIDUHQKHW I|U DWW GHOWD L OHGQLQJHQ DY HQ MXULGLVN

SHUVRQ VRP XW|YDU I|UVlNULQJVGLVWULEXWLRQ

opaginerad HUIDUHQKHW KlQYLVDV WLOO GH |YHUYlJDQGHQ VRP J|UV L DYVQLWW Kontrollera mot PDF

.UDYHQ Sn HQ MXULGLVN SHUVRQV OHGQLQJ VND YDUD XSSI\OOGD YLG WLOOVWnQGV

HOOHU UHJLVWUHULQJVWLOOIlOOHW YLONHW LQQHElU DWW HQ NRQWUROO DY OHGQLQJHQ VND

VNH lYHQ RP HQ SU|YQLQJ WLGLJDUH VNHWW HQOLJW DQQDQ ODJVWLIWQLQJ 1lU GHW

JlOOHU NRQWUROOHQ DY YDQGHOVNUDYHW RFK NUDYHW Sn WLOOUlFNOLJ LQVLNW RFK

HUIDUHQKHW KlQYLVDV WLOO GH |YHUYlJDQGHQ VRP J|UV L DYVQLWW

Bör det införas regler om ägarprövning för försäkringsförmedlare?

6RP IUDPJnU RYDQ LQQHElU UHJOHULQJHQ Sn ILQDQVPDUNQDGVRPUnGHW DWW GHW QRUPDOW VWlOOV NUDY Sn VnYlO lJDU VRP OHGQLQJVSU|YQLQJ )|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW LQQHKnOOHU LQWH QnJUD NUDY Sn lJDUSU|YQLQJ MIU GRFN NUDYHW Sn DWW HQ I|UVlNULQJVGLVWULEXW|U LQWH InU LQJn L HQ VYnU|YHU VNnGOLJ I|UHWDJVJUXSS RP GHW I|UKLQGUDU HQ HIIHNWLY WLOOV\Q VH QHGDQ

'HW ILQQV IOHUD DYJ|UDQGH VNLOOQDGHU PHOODQ HQ I|UVlNULQJVI|UPHGODUH RFK DQGUD I|UHWDJ VRP YHUNDU Sn ILQDQVPDUNQDGVRPUnGHW )|U I|UVlN ULQJVI|UHWDJ JlOOHU UHGDQ L GDJ HWW NUDY Sn lJDUSU|YQLQJ NDS † I|UVWD VW\FNHW I|UVlNULQJVU|UHOVHODJHQ 'H |YHUYlJDQGHQ VRP JMRUGHV L GHQQD IUnJD YLG LQI|UDQGHW DY ODJHQ RP I|UVlNULQJVI|UPHGOLQJ IUDPVWnU IRUW IDUDQGH VRP DNWXHOOD SURS V 6N|WVHOQ DY HQ HQVNLOG I|UVlNULQJVI|UPHGODUH NDQ LQWH DQVHV SnYHUND GHQ ILQDQVLHOOD VWDELOLWHWHQ 1lU GHW JlOOHU NXQGVN\GGHW lU GHW IUDPI|U DOOW GH HQVNLOGD SHUVRQHUQD VRP GLVWULEXHUDU I|UVlNULQJDU I|U I|UPHGOLQJVI|UHWDJHWV UlNQLQJ VRP KDU EHW\GHOVH I|U YLONHW I|UWURHQGH NXQGHU NRPPHU DWW KD I|U I|UHWDJHW )|UVODJHQ L GHQQD SURPHPRULD LQQHElU DWW GHW VWlOOV HQ UDG ROLND NUDY Sn GH I\VLVND SHUVRQHU VRP GLVWULEXHUDU I|UVlNULQJDU 9LGDUH VWlOOV GHW lYHQ NUDY Sn GH SHUVRQHU VRP LQJnU L I|UHWDJHWV OHGQLQJ 0RW GHQQD EDNJUXQG WRUGH XWU\PPHW I|U HQ lJDUH VRP LQWH LQJnU L OHGQLQJHQ DY I|UHWDJHW DWW PLVVEUXND VLQ VWlOOQLQJ Sn HWW VlWW VRP SnYHUNDU I|UVlNULQJVWDJDUH HOOHU I|UVlNULQJVJLYDUH YDUD EHJUlQVDW 6DPPDQIDWWQLQJVYLV J|UV GlUI|U EH G|PQLQJHQ DWW GHW VDNQDV DQOHGQLQJ DWW LQI|UD VlUVNLOGD lJDUSU|YQLQJV UHJOHU I|U I|UVlNULQJVI|UPHGODUH

6YnU|YHUVNnGOLJD I|UHWDJVJUXSSHU InU LQWH I|UKLQGUD HQ HIIHNWLY WLOOV\Q

3URPHPRULDQV I|UVODJ (Q GHILQLWLRQ DY QlUD I|UELQGHOVHU RFK

NYDOLILFHUDW LQQHKDY WDV LQ L ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ 2P GHQ

I|UVlNULQJVI|UPHGODUH VRP DQV|NHU RP WLOOVWnQG KDU HOOHU NDQ YlQWDV

NRPPD DWW In QlUD I|UELQGHOVHU PHG QnJRQ DQQDQ VND WLOOVWnQG In JHV

EDUD RP I|UELQGHOVHQ LQWH KLQGUDU HQ HIIHNWLY WLOOV\Q DY I|UVlNULQJV I|UPHGODUHQ

(Q I|UVlNULQJVI|UPHGODUH VND XQGHUUlWWD )LQDQVLQVSHNWLRQHQ RP GHQ InU NlQQHGRP RP DWW DNWLHU HOOHU DQGHODU L I|UHWDJHW KDU EOLYLW I|UHPnO I|U I|UYlUY RP I|UYlUYHW VNXOOH OHGD WLOO DWW I|UYlUYDUHQ InU HWW NYDOLILFHUDW LQQHKDY HOOHU QlUD I|UELQGHOVHU PHOODQ I|UVlNULQJV I|UPHGODUHQ RFK QnJRQ DQQDQ 1lU GHW JlOOHU DQNQXWQD VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH RFK DQNQXWQD I|UVlNULQJVI|UPHGODUH VRP LQWH GLVWULEXHUDU I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU HOOHU SHQVLRQV I|UVlNULQJDU VRP lU H[SRQHUDGH PRW PDUNQDGVYRODWLOLWHW VND GHW I|UVlNULQJVI|UHWDJ HOOHU GHQ I|UVlNULQJVI|UPHGODUH VRP KDU DQPlOW GHQ

opaginerad HUIDUHQKHW KlQYLVDV WLOO GH |YHUYlJDQGHQ VRP J|UV L DYVQLWW Kontrollera mot PDF

DQGUH I|UPHGODUHQ I|U UHJLVWUHULQJ WLOO %RODJVYHUNHW DQPlOD WLOO

)LQDQVLQVSHNWLRQHQ RP GHQ UHJLVWUHUDGH I|UVlNULQJVI|UPHGODUHQ InU

QlUD I|UELQGHOVHU PHG QnJRQ DQQDQ

)LQDQVLQVSHNWLRQHQ VND In I|UHOlJJD LQQHKDYDUHQ DY DNWLHU HOOHU

DQGHODU DWW DY\WWUD Vn VWRU GHO DY GHVVD DWW I|UVlNULQJVI|UPHGODUHQ LQWH

OlQJUH KDU QlUD I|UELQGHOVHU PHG QnJRQ DQQDQ

6NlOHQ I|U SURPHPRULDQV I|UVODJ

Gällande rätt

, ODJHQ RP I|UVlNULQJVI|UPHGOLQJ ILQQV GHW LQWH QnJRW NUDY Sn DWW HQ I|UVlNULQJVI|UPHGODUH LQWH InU LQJn L HQ VYnU|YHUVNnGOLJ I|UHWDJVJUXSS lYHQ RP LQJnHQGHW KLQGUDU HQ HIIHNWLY WLOOV\Q

, DQGUD ODJDU Sn ILQDQVPDUNQDGVRPUnGHW ILQQV GHW GlUHPRW VnGDQD NUDY (QOLJW I|UVlNULQJVU|UHOVHODJHQ JlOOHU W H[ DWW RP HWW I|UHWDJ KDU HOOHU NDQ I|UYlQWDV NRPPD DWW In QlUD I|UELQGHOVHU PHG QnJRQ DQQDQ InU WLOOVWnQG JHV EDUD RP I|UELQGHOVHUQD LQWH KLQGUDU HQ HIIHNWLY WLOOV\Q DY I|UHWDJHW NDS † 'HWVDPPD JlOOHU EO D HQOLJW ODJHQ RP EDQN RFK ILQDQVLHULQJVU|UHOVH NDS † IMlUGH VW\FNHW ODJHQ RP YlUGHSDSSHUV PDUNQDGHQ NDS † WUHGMH VW\FNHW RFK ODJHQ RP YlUGHSDSSHUVIRQGHU NDS † WUHGMH VW\FNHW

.UDYHW L IUnJD KDU VLWW XUVSUXQJ L GHW V N %&&, GLUHNWLYHW (XURSD SDUODPHQWHWV RFK UnGHWV GLUHNWLY (* DY GHQ MXQL RP lQGULQJ DY GLUHNWLY ((* RFK ((* RP NUHGLWLQVWLWXW GLUHNWLY ((* RFK ((* RP DQGUD GLUHNWD I|UVlNULQJDU lQ OLYI|UVlNULQJDU GLUHNWLY ((* RFK ((* RP GLUHNWD OLYI|UVlNULQJDU GLUHNWLY ((* RP WMlQVWHU LQRP YlUGHSDSSHUV RPUnGHW RFK GLUHNWLY ((* RP I|UHWDJ I|U NROOHNWLYD LQYHVWHULQJDU L |YHUOnWEDUD YlUGHSDSSHU IRQGI|UHWDJ L V\IWH DWW VWlUND WLOOV\QHQ Sn GHVVD RPUnGHQ RFK LQI|UGHV L VYHQVN UlWW VDPWLGLJW Sn I|UVlNULQJV EDQN RFK YlUGHSDSSHUVPDUNQDGVRPUnGHQD SURS

)|U IRQGYHUNVDPKHW LQI|UGHV NUDYHW YLG HWW VHQDUH WLOOIlOOH SURS V

Försäkringsdistributionsdirektivet

(QOLJW GLUHNWLYHW RP I|UVlNULQJVGLVWULEXWLRQ VND PHGOHPVVWDWHUQD VH WLOO DWW GH EHK|ULJD P\QGLJKHWHUQD QHNDU UHJLVWUHULQJ RP ODJDU RFK DQGUD I|UIDWWQLQJDU L HWW WUHGMHODQG VRP UHJOHUDU HQ HOOHU IOHUD I\VLVND HOOHU MXULGLVND SHUVRQHU PHG YLONHQ HOOHU YLOND I|UPHGODUHQ KDU QlUD I|U ELQGHOVH HOOHU VYnULJKHWHU DWW NRQWUROOHUD HIWHUOHYQDGHQ DY GHVVD ODJDU RFK DQGUD I|UIDWWQLQJDU KLQGUDU P\QGLJKHWHUQD IUnQ DWW Sn HWW lQGDPnOVHQOLJW VlWW XW|YD VLQ WLOOV\Q DUWLNHO (QOLJW GLUHNWLYHW VND lYHQ YLVVD XSSJLIWHU EHJlUDV LQ IUnQ I|UVlNULQJVI|UPHGODUH VRP HWW YLOONRU I|U UHJLVWUHULQJ DUWLNHO 'HW U|U VLJ EO D RP XSSJLIWHU RP LGHQWLWHWHQ DYVHHQGH SHUVRQHU VRP KDU QlUD I|UELQGHOVHU PHG I|UPHGODUH RFK XSSJLIWHU RP DWW LQQHKDYHW HOOHU GH QlUD I|UELQGHOVHUQD LQWH KLQGUDU GH EHK|ULJD P\QGLJKHWHUQD IUnQ DWW Sn HWW lQGDPnOVHQOLJW VlWW XW|YD VLQ WLOOV\Q 0HGOHPVVWDWHUQD VND VH WLOO DWW I|UPHGODUQD XWDQ RVNlOLJW GU|MVPnO XQGHUUlWWDU GH EHK|ULJD P\QGLJKHWHUQD LIDOO QnJUD lQGULQJDU VNHU L GH

opaginerad XSSJLIWHU VRP WLOOKDQGDKnOOLWV HQOLJW GHQQD SXQNW DUWLNHO DQGUD VW\FNHW Kontrollera mot PDF

XSSJLIWHU VRP WLOOKDQGDKnOOLWV HQOLJW GHQQD SXQNW DUWLNHO DQGUD VW\FNHW

2P HQ I|UVlNULQJVI|UPHGODUH HOOHU HQ I|UVlNULQJVI|UPHGODUH VRP EH GULYHU I|UPHGOLQJ VRP VLGRYHUNVDPKHW DJHUDU Sn HWW I|UVlNULQJVI|UHWDJV HOOHU HQ DQQDQ I|UPHGODUHV DQVYDU InU PHGOHPVVWDWHUQD I|UHVNULYD DWW GH VHQDVW QlPQGD VND DQVYDUD I|U DWW GHQ DY GH I|UVW QlPQGD XSSI\OOHU YLOONRUHQ I|U UHJLVWUHULQJ DUWLNHO IHPWH VW\FNHW

Genomförande i svensk rätt

'HW QX DNWXHOOD NUDYHW L GLUHNWLYHW RP I|UVlNULQJVGLVWULEXWLRQ DUWLNHO Sn DWW HQ I|UVlNULQJVGLVWULEXW|U LQWH InU LQJn L HQ VYnU|YHUVNnGOLJ I|UHWDJVJUXSS RP LQJnHQGHW KLQGUDU HQ HIIHNWLY WLOOV\Q EHG|PV PRWVYDUD GHW NUDY VRP UHGDQ VWlOOV XSS L DQQDQ ODJVWLIWQLQJ Sn ILQDQVPDUNQDGV RPUnGHW 'HVVD UHJOHU L GLUHNWLYHW E|U JHQRPI|UDV L VYHQVN UlWW L HQ PRWVYDUDQGH EHVWlPPHOVH L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ %HVWlPPHOVHQ E|U XWIRUPDV HIWHU I|UHELOG DY PRWVYDUDQGH EHVWlPPHOVHU L DQGUD ODJDU Sn ILQDQVPDUNQDGVRPUnGHW )|U QlUPDUH YlJOHGQLQJ KlQYLVDV WLOO GH I|UDUEHWVXWWDODQGHQ VRP JMRUGHV L VDPEDQG PHG JHQRPI|UDQGHW L VYHQVN UlWW DY %&&, GLUHNWLYHW VH SURS V ±

)|U DWW HQ HIIHNWLY WLOOV\Q VND NXQQD EHGULYDV lU GHW JLYHWYLV YlVHQWOLJW DWW GHW NDQ NODUOlJJDV YLOND I|UHWDJ VRP LQJnU L HQ VYnU|YHUVNnGOLJ I|UHWDJVJUXSS , GLUHNWLYHW DUWLNHO ILQQV HQ GHILQLWLRQ DY YDG VRP DYVHV PHG QlUD I|UELQGHOVHU L IRUP DY HQ KlQYLVQLQJ WLOO PRWVYDUDQGH GHILQLWLRQ L 6ROYHQV ,, GLUHNWLYHW DUWLNHO L GLUHNWLY L 6ROYHQV ,, GLUHNWLYHW 'HQ GHILQLWLRQHQ PRWVYDUDU L VLQ WXU GHILQLWLRQHQ L %&&, GLUHNWLYHW DUWLNHO (Q PRWVYDUDQGH GHILQLWLRQ E|U GlUI|U WDV LQ L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

6\IWHW PHG NUDYHW Sn DWW WLOOVWnQG InU JHV EDUD RP HQ I|UELQGHOVH LQWH KLQGUDU HQ HIIHNWLY WLOOV\Q DY HQ I|UVlNULQJVI|UPHGODUH lU DWW I|UKLQGUD DWW HQ RNODU lJDUVLWXDWLRQ XSSNRPPHU HOOHU EHVWnU VH VDPPD SURS V 'HWWD LQQHElU L I|UVWD KDQG DWW WLOOVWnQG WLOO I|UVlNULQJVI|UPHGOLQJ LQWH VND EHYLOMDV QlU HQ VnGDQ VLWXDWLRQ I|UHOLJJHU

'LUHNWLYHW RP I|UVlNULQJVGLVWULEXWLRQ InU DQVHV I|UXWVlWWD DWW QlUD I|UELQGHOVHU VRP I|UKLQGUDU HQ HIIHNWLY WLOOV\Q LQWH KHOOHU InU XSSNRPPD HIWHU GHW DWW WLOOVWnQG EHYLOMDWV MIU DUWLNHO 'HW E|U GlUI|U Sn PRW VYDUDQGH VlWW VRP L DQGUD ODJDU Sn ILQDQVPDUNQDGVRPUnGHW LQI|UDV HWW NUDY L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ Sn DWW HQ I|UVlNULQJV I|UPHGODUH DWW VQDUDVW DQPlOD WLOO )LQDQVLQVSHNWLRQHQ RP GHQ InU NlQQHGRP RP DWW GHQ KDU QlUD I|UELQGHOVHU PHG QnJRQ DQQDQ 'lULJHQRP JHQRPI|UV lYHQ GHW NUDY VRP DQJHV L GLUHNWLYHW DUWLNHO DQGUD VW\FNHW

'HW E|U lYHQ |YHUYlJDV YLOND P|MOLJKHWHU WLOO LQJULSDQGH VRP E|U LQI|UDV RP HQ VnGDQ VLWXDWLRQ lQGn XSSNRPPHU HIWHU HWW EHYLOMDW WLOOVWnQG (Q VLWXDWLRQ GlU DQPlOQLQJVVN\OGLJKHWHQ VRP I|OMHU DY GLUHNWLYHW LQWH VNXOOH NXQQD OHGD WLOO QnJRW LQJULSDQGH IUDPVWnU VRP RIXOOVWlQGLJ 'HW E|U GlUI|U LQI|UDV HQ P|MOLJKHW I|U )LQDQVLQVSHNWLRQHQ DWW L I|UHNRPPDQGH IDOO I|UHOlJJD LQQHKDYDUH DY DNWLHU HOOHU DQGHODU VRP PHGI|U DWW I|UELQGHOVHUQD lU QlUD DWW DY\WWUD Vn VWRU GHO DY DNWLHUQD HOOHU DQGHODUQD DWW

Vn LQWH OlQJUH lU IDOOHW MIU W H[ NDS † I|UVlNULQJVU|UHOVHODJHQ (WW

opaginerad lJDUVWUXNWXU Vn DWW GHQ LQWH OlQJUH lU VYnU|YHUVNnGOLJ Kontrollera mot PDF

VnGDQW I|UHOlJJDQGH E|U In I|UHQDV PHG YLWH 'HW E|U KlU IUDPKnOODV DWW

GHW L SUDNWLNHQ LQWH EHK|YHU Jn Vn OnQJW HIWHUVRP GHW HQGDVW lU QlUD

I|UELQGHOVHU VRP KLQGUDU HQ HIIHNWLY WLOOV\Q VRP DYVHV 'HW ILQQV DOOWVn

LQJHW VRP KLQGUDU DWW GH VRP EHU|UV DY GH QlUD I|UELQGHOVHUQD lQGUDU VLQ

lJDUVWUXNWXU Vn DWW GHQ LQWH OlQJUH lU VYnU|YHUVNnGOLJ

'HW E|U VlUVNLOW SnSHNDV DWW L ´QlUD I|UELQGHOVHU PHOODQ I|UVlNULQJV

I|UPHGODUHQ RFK QnJRQ DQQDQ VRP KLQGUDU HQ HIIHNWLY WLOOV\Q´ LQQHIDWWDV

lYHQ GHQ VLWXDWLRQHQ VRP DQJHV L GLUHNWLYHW DUWLNHO RP DWW HQ

HIIHNWLY WLOOV\Q LQWH InU I|UKLQGUDV DY ODJDU RFK DQGUD I|UIDWWQLQJDU L HWW

WUHGMHODQG VRP UHJOHUDU HQ HOOHU IOHUD I\VLVND HOOHU MXULGLVND SHUVRQHU PHG

YLONHQ HOOHU YLOND I|UVlNULQJVI|UPHGODUHQ KDU QlUD I|UELQGHOVHU HOOHU

VYnULJKHWHU DWW NRQWUROOHUD HIWHUOHYQDGHQ DY GHVVD ODJDU RFK DQGUD

I|UIDWWQLQJDU VH VDPPD SURS V I|U PRWVYDUDQGH XSSIDWWQLQJ

'HW VRP DQI|UV RYDQ RP WLOOVWnQG JlOOHU lYHQ UHJLVWUHULQJ I|U GH

I|UVlNULQJVI|UPHGODUH VRP XQGDQWDV IUnQ WLOOVWnQGVSOLNWHQ 'LUHNWLYHW

|SSQDU XSS I|U DWW OnWD GHQ VRP UHJLVWUHUDU HQ DQQDQ I|UVlNULQJV

I|UPHGODUH DQVYDUD I|U DWW GHQ UHJLVWUHUDGH XSSI\OOHU YLOONRUHQ I|U

UHJLVWUHULQJ DUWLNHO IHPWH VW\FNHW 'HQ VRP DQPlOHU QnJRQ DQQDQ

I|U UHJLVWUHULQJ L HQOLJKHW PHG GHQ I|UHVODJQD VlUVNLOGD RUGQLQJHQ I|U

UHJLVWUHULQJ VND VnOHGHV VlNHUVWlOOD DWW HQ HIIHNWLY WLOOV\Q DY GHQ

UHJLVWUHUDGH LQWH I|UKLQGUDV Sn JUXQG DY I|UKnOODQGHQ QlUD I|UELQGHOVHU

'HQ WlQNWD RUGQLQJHQ NUlYHU JLYHWYLV PHGYHUNDQ IUnQ GHQ UHJLVWUHUDGH

QlU GHW NRPPHU WLOO WLOOKDQGDKnOODQGH DY GH XSSJLIWHU VRP lU Q|GYlQGLJD

I|U XW|YDQGHW DY GHQ UHJLVWUHUDQGH DNW|UHQV DQVYDU MIU DUWLNHO

6N\OGLJKHWHQ DWW XQGHUUlWWD )LQDQVLQVSHNWLRQHQ RP lQGUDGH I|UKnOODQGHQ

E|U lYHQ JlOOD I|U GHQ VRP OnWHU UHJLVWUHUD QnJRQ DQQDQ HIWHUVRP

NRQVWUXNWLRQHQ RP DYVWHJ IUnQ KXYXGUHJHOQ RP WLOOVWnQG YLODU IUlPVW Sn

DWW GHQ UHJLVWUHUDGH DJHUDU Sn GHQ UHJLVWUHUDQGH DNW|UHQV DQVYDU

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU HQOLJW

I|UVODJHW L DYVQLWW PHGGHOD I|UHVNULIWHU RP YDG HQ DQV|NDQ RP

WLOOVWnQG RFK HQ DQPlODQ RP UHJLVWUHULQJ VND LQQHKnOOD 1lU VnGDQD

I|UHVNULIWHU XWIRUPDV E|U GHW EHDNWDV DWW GHW L GLUHNWLYHW ILQQV NUDY Sn

YLVVD XSSJLIWHU VRP VND LQJn L HQ DQV|NDQ HOOHU HQ DQPlODQ DUWLNHO

1lU GHW JlOOHU DQNQXWQD I|UVlNULQJVI|UPHGODUH VRP LQWH GLVWULEXHUDU

I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU HOOHU YLVVD SHQVLRQVI|UVlN

ULQJDU RFK DQNQXWQD VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH E|U GHQ VRP

OnWHU DQPlOD QnJRQ DQQDQ I|U UHJLVWUHULQJ WD LQ RFK NRQWUROOHUD GH DNWXHOOD

XSSJLIWHUQD LQQDQ DQPlODQ RP UHJLVWUHULQJ VNHU , GH I|UHVNULIWHUQD E|U

GHQ NRQWUROO VRP GHQ UHJLVWUHUDQGH VND XWI|UD L QX DNWXHOOW DYVHHQGH

SUHFLVHUDV QlUPDUH 'HW NDQ L VDPPDQKDQJHW QRWHUDV DWW )LQDQV

LQVSHNWLRQHQ KDU PHGGHODW I|UHVNULIWHU L YLOND GHW SUHFLVHUDV YDG VRP VND

LDNWWDV L VDPEDQG PHG DQPlODQ RFK NRQWUROO DY DQNQXWQD I|UVlNULQJV

I|UPHGODUH L DQGUD DYVHHQGHQ VH NDS )LQDQVLQVSHNWLRQHQV I|UH

VNULIWHU RFK DOOPlQQD UnG RP I|UVlNULQJVI|UPHGOLQJ

$QVYDUVI|UVlNULQJ

3URPHPRULDQV I|UVODJ %HVWlPPHOVHUQD RP DQVYDUVI|UVlNULQJ L

ODJHQ RP I|UVlNULQJVI|UPHGOLQJ VND I|UDV |YHU RI|UlQGUDGH WLOO GHQ

Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

opaginerad I|UVlNULQJ Kontrollera mot PDF

)|U HQ DQNQXWHQ I|UVlNULQJVI|UPHGODUH HOOHU HQ DQNQXWHQ VLGRYHUN

VDP I|UVlNULQJVI|UPHGODUH VND GHW LQWH JlOOD QnJRW NUDY Sn DQVYDUV

I|UVlNULQJ

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU

PHGGHOD I|UHVNULIWHU RP DQVYDUVI|UVlNULQJ

3URPHPRULDQV EHG|PQLQJ (IWHUVRP GHW ILQQV HWW NUDY Sn DQVYDUV

I|UVlNULQJ I|U I|UVlNULQJVI|UPHGODUH VND WLOOVWnQGHW HOOHU UHJLVWUHULQJHQ

nWHUNDOODV QlU HQ DQNQXWHQ I|UVlNULQJVI|UPHGODUH HOOHU HQ DQNQXWHQ

VLGRYHUNVDP I|UVlNULQJVI|UPHGODUH I|UORUDU DQNQ\WQLQJHQ WLOO HWW

I|UVlNULQJVI|UHWDJ HOOHU HQ DQQDQ I|UVlNULQJVI|UPHGODUH

6NlOHQ I|U SURPHPRULDQV I|UVODJ RFK EHG|PQLQJ

Gällande rätt

(WW DOOPlQW NUDY Sn DQVYDUVI|UVlNULQJ ILQQV UHGDQ L GDJ L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ NDS † UHVSHNWLYH † I|UVWD VW\FNHW , I|URUGQLQJHQ RP I|UVlNULQJVI|UPHGOLQJ NDS † RFK L )LQDQVLQVSHN WLRQHQV I|UHVNULIWHU RFK DOOPlQQD UnG RP I|UVlNULQJVI|UPHGOLQJ NDS † ILQQV GHWDOMHUDGH UHJOHU NULQJ GHQ QlUPDUH XWIRUPQLQJHQ DY DQVYDUV I|UVlNULQJHQ

Försäkringsdistributionsdirektivet

(QOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO VND I|UVlNULQJV I|UPHGODUH KD HQ DQVYDUVI|UVlNULQJ VRP RPIDWWDU KHOD XQLRQHQV WHUULWRULXP HOOHU DQQDQ OLNYlUGLJ JDUDQWL I|U DQVYDU WLOO I|OMG DY IHO HOOHU I|UVXPPHOVH L YHUNVDPKHWHQ )|UVlNULQJHQ HOOHU JDUDQWLQ VND WlFND PLQVW HXUR SHU VNDGD RFK WRWDOW HXUR I|U DOOD VNDGRU XQGHU HWW nU VnYLGD LQWH HQ VnGDQ I|UVlNULQJ HOOHU JDUDQWL UHGDQ WLOOKDQGDKnOOV DY HWW I|UVlNULQJV HOOHU nWHUI|UVlNULQJVI|UHWDJ HOOHU DQQDW I|UHWDJ I|U YDUV UlNQLQJ HOOHU PHG YDUV EHP\QGLJDQGH I|UPHGODUHQ KDQGODU HOOHU HWW VnGDQW I|UHWDJ KDU WDJLW IXOOW DQVYDU I|U I|UPHGODUHQV KDQGODQGH

0HGOHPVVWDWHUQD VND NUlYD DWW I|UVlNULQJVI|UPHGODUH VRP EHGULYHU I|UPHGOLQJ VRP VLGRYHUNVDPKHW VND KD HQ DQVYDUVI|UVlNULQJ HOOHU OLNYlUGLJD JDUDQWLHU Sn HQ QLYn VRP IDVWVWlOOV DY PHGOHPVVWDWHUQD PHG EHDNWDQGH DY GHQ VnOGD SURGXNWHQV NDUDNWlU RFK GHQ YHUNVDPKHW VRP EHGULYV DUWLNHO

, GLUHNWLYHW ILQQV lYHQ UHJOHU RP LQGH[HULQJ DY I|UVlNULQJVEHORSSHQ DUWLNHO

Genomförande i svensk rätt

(QOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW VND HQ I|UVlNULQJVI|UPHGODUH KD HQ DQVYDUVI|UVlNULQJ HOOHU DQQDQ OLNYlUGLJ JDUDQWL I|U DQVYDU I|U IHO HOOHU I|UVXPPHOVH L YHUNVDPKHWHQ DUWLNHO )|U DQNQXWQD I|UPHGODUH RFK DQNQXWQD VLGRYHUNVDPPD I|UPHGODUH JlOOHU GlUHPRW LQWH QnJRW VnGDQW NUDY HIWHUVRP GHW I|UHWDJ HOOHU GHQ I|UPHGODUH I|U YDUV UlNQLQJ HOOHU PHG YDUV EHP\QGLJDQGH I|UPHGODUHQ KDQGODU KDU WDJLW IXOOW DQVYDU I|U I|UPHGODUHQV KDQGODQGH MIU DUWLNHO , DYVQLWW I|UHVOnV DWW HQ I|UVlNULQJVGLVWULEXW|U VRP XSSVnWOLJHQ HOOHU DY RDNWVDPKHW nVLGRVlWWHU

VLQD VN\OGLJKHWHU HQOLJW EHVWlPPHOVHU RP EO D JRG I|UVlNULQJVGLVWULEX

opaginerad I|UPnU DWW IXOOJ|UD VLQ VNDGHVWnQGVVN\OGLJKHW Kontrollera mot PDF

WLRQVVWDQGDUG VND HUVlWWD UHQ I|UP|JHQKHWVVNDGD VRP Sn JUXQG DY GHWWD

GUDEEDU HQ NXQG HQ I|UVlNULQJVJLYDUH HWW IRQGERODJ HWW I|UYDOWQLQJV

ERODJ HWW IRQGI|UHWDJ HQ I|UYDOWDUH DY DOWHUQDWLYD LQYHVWHULQJVIRQGHU

HOOHU QnJRQ VRP KlUOHGHU VLQ UlWW IUnQ NXQGHQ .UDYHW Sn DWW I|UPHGODUQD

VND KD DQVYDUVI|UVlNULQJ LQQHElU DWW GHQ VNDGHOLGDQGH L YLVV XWVWUlFNQLQJ

NDQ KnOODV VNDGHVO|V lYHQ RP GLVWULEXW|UHQ DY QnJRQ DQOHGQLQJ LQWH

I|UPnU DWW IXOOJ|UD VLQ VNDGHVWnQGVVN\OGLJKHW

6RP IUDPJnU DY GLUHNWLYHW VNXOOH GHQ VNDGHOLGDQGH NXQQD VN\GGDV Sn

DQQDW VlWW lQ JHQRP NUDY DQVYDUVI|UVlNULQJ W H[ JHQRP VlUVNLOGD

NDSLWDONUDY HOOHU JHQRP DWW GHW VNDSDV HQ VlUVNLOG JDUDQWLRUGQLQJ 'HQQD

W\S DY DOWHUQDWLYD O|VQLQJDU KDU YDULW I|UHPnO I|U |YHUYlJDQGHQ DY VnYlO

)|UVlNULQJVYHUNVDPKHWVNRPPLWWpQ 628 V I VRP

)|UVlNULQJVPlNODUXWUHGQLQJHQ 628 V I YDUYLG GHW L

KXYXGVDN NRQVWDWHUDWV DWW HQ O|VQLQJ VRP E\JJHU Sn DQVYDUVI|UVlNULQJ

KDU DYJ|UDQGH I|UGHODU 6DPPD EHG|PQLQJ JMRUGHV YLG LQI|UDQGHW DY

ODJHQ RP I|UVlNULQJVI|UPHGOLQJ SURS V 'HW ILQQV LQWH

DQOHGQLQJ DWW QX J|UD QnJRQ DQQDQ EHG|PQLQJ RFK GHW E|U GlUI|U LQWH

LQI|UDV QnJRQ P|MOLJKHW I|U I|UVlNULQJVI|UPHGODUH DWW DQYlQGD VLJ DY

´DQQDQ OLNYlUGLJ JDUDQWL´

6DPPDQIDWWQLQJVYLV E|U GHW VnOHGHV L GHQ Q\D ODJHQ RP I|UVlNULQJV

GLVWULEXWLRQ WDV LQ HWW NUDY Sn DWW WLOOVWnQG I|U HQ VYHQVN I\VLVN HOOHU

MXULGLVN SHUVRQ DWW EHGULYD I|UVlNULQJVGLVWULEXWLRQ InU JHV EDUD RP

SHUVRQHQ RPIDWWDV DY HQ I|UVlNULQJ I|U VNDGHVWnQGVVN\OGLJKHW VRP NDQ

nOlJJDV GHQQD RP GHQ nVLGRVlWWHU VLQD VN\OGLJKHWHU 5HJHULQJHQ HOOHU GHQ

P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU E|U In PHGGHOD I|UHVNULIWHU RP

VnGDQ I|UVlNULQJ 'HW ILQQV L GHWWD VDPPDQKDQJ DQOHGQLQJ DWW DQVOXWD VLJ

WLOO GHQ |YHUJULSDQGH RFK DOOPlQQD EHG|PQLQJ VRP JMRUGHV L I|UDUEHWHQD

WLOO ODJHQ RP I|UVlNULQJVI|UPHGOLQJ VH SURS V ± 'HW

E|U HPHOOHUWLG DQPlUNDV DWW EHORSSHQ I|U DQVYDUVI|UVlNULQJHQ lU K|JUH L

I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW lQ L I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW

6RP IUDPJnU RYDQ RPIDWWDV LQWH DQNQXWQD I|UPHGODUH RFK DQNQXWQD

VLGRYHUNVDPPD I|UPHGODUH DY NUDYHW Sn DQVYDUVI|UVlNULQJ , IUnJD RP

YDG VRP VND JlOOD L GH IDOO GlU DQNQ\WQLQJHQ XSSK|U J|UV I|OMDQGH

|YHUYlJDQGHQ )|U DQNQXWQD VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH RFK

DQNQXWQD I|UVlNULQJVI|UPHGODUH VRP LQWH GLVWULEXHUDU I|UVlNULQJV

EDVHUDGH LQYHVWHULQJVSURGXNWHU JlOOHU LQWH WLOOVWnQGVSOLNWHQ XWDQ HQGDVW

UHJLVWUHULQJ KRV %RODJVYHUNHW

)|U DQNQXWQD I|UVlNULQJVI|UPHGODUH VRP VND GLVWULEXHUD I|UVlNULQJV

EDVHUDGH LQYHVWHULQJVSURGXNWHU HOOHU SHQVLRQVI|UVlNULQJDU VRP lU

H[SRQHUDGH PRW PDUNQDGVYRODWLOLWHW JlOOHU NUDYHW Sn WLOOVWnQG PHQ GHVVD

lU XQGDQWDJQD IUnQ NUDYHW Sn DQVYDUVI|UVlNULQJ 'HW |YHUJULSDQGH V\IWHW

PHG GHQ VlUVNLOGD RUGQLQJHQ I|U UHJLVWUHULQJ lU DWW I|UHQNOD RFK

HIIHNWLYLVHUD V\VWHPHW RFK RUGQLQJHQ ElUV XSS KXYXGVDNOLJHQ DY GHQ QlUD

NRSSOLQJHQ WLOO QnJRQ DQQDQ WLOOVWnQGVSOLNWLJ DNW|U 5HGDQ GHWWD WDODU PHG

YLVV VW\UND I|U DWW LQWH |SSQD XSS HQ P|MOLJKHW I|U DWW OnWD UHJLVWUHULQJHQ

EHVWn RP GHQ WLGLJDUH DQVYDULJH DNW|UHQ LQWH OlQJUH VWnU NYDU (WW

DOWHUQDWLY KDGH NXQQDW YDUD DWW JH GHQ DQNQXWQH I|UPHGODUHQ HQ YLVV WLG

Sn VLJ DWW DQWLQJHQ WHFNQD HQ HJHQ DQVYDUVI|UVlNULQJ HOOHU WHFNQD DYWDO

PHG QnJRQ DQQDQ RP DWW GHQQH VNXOOH YDUD DQVYDULJ L QX DNWXHOOW

DYVHHQGH 1lU GHW JlOOHU P|MOLJKHWHQ DWW WHFNQD HQ HJHQ DQVYDUV

I|UVlNULQJ NDQ GHW QRWHUDV DWW HQ DQNQXWHQ VLGRYHUNVDP I|UPHGODUH HOOHU

opaginerad 9HUNVDPKHW PHG VLGRWLOOVWnQG Kontrollera mot PDF

HQ DQNQXWHQ I|UPHGODUH VRP LQWH GLVWULEXHUDU I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU HOOHU SHQVLRQVI|UVlNULQJDU VRP lU H[SRQHUDGH PRW PDUNQDGVYRODWLOLWHW VNXOOH YLG ELEHKnOOHQ UHJLVWUHULQJ L SUDNWLNHQ L DOOW YlVHQWOLJW DJHUD VRP HQ WLOOVWnQGVSOLNWLJ I|UVlNULQJVI|UPHGODUH PHQ XWDQ DWW QnJRQ HJHQWOLJ WLOOVWnQGVSU|YQLQJ KDU lJW UXP (WW WLOOnWDQGH DY DWW OnWD UHJLVWUHULQJHQ EHVWn YLG WHFNQDQGH DY Q\WW DYWDO PHG DQQDQ DQVYDULJ DNW|U VNXOOH ULVNHUD DWW XQGHUPLQHUD YLNWHQ DY GHQ NRQWUROO VRP GHQ DQPlODQGH DNW|UHQ VND J|UD LQI|U UHJLVWUHULQJ DY GHQ DQNQXWQH I|UPHGODUHQ MIU GHW VRP DQJHV L DYVQLWW L IUnJD RP DQVYDUHW YLG DQNQ\WQLQJ WLOO IOHUD I|UVlNULQJVI|UHWDJ 'HW I|UXWVlWWV DWW YDUMH DNW|U VRP JnU LQ RFK nWDU VLJ HWW HYHQWXHOOW VNDGHVWnQGVDQVYDU nW QnJRQ DQQDQ RFNVn J|U HQ HJHQ NRQWUROO DY DWW I|UXWVlWWQLQJDUQD I|U DWW EHGULYD YHUNVDPKHW lU XSSI\OOGD 0RW GHQQD EDNJUXQG RFK PHG EHDNWDQGH DY DWW GHQ VlUVNLOGD RUGQLQJHQ I|U UHJLVWUHULQJ DY QlPQGD JUXSSHU DY I|UPHGODUH LQWH NDQ DQVHV VlUVNLOW EHWXQJDQGH E|U UHJLVWUHULQJHQ nWHUNDOODV RP DQNQ\WQLQJHQ I|U GHQ UHJLVWUHUDGH I|UVlNULQJVI|UPHGODUHQ XSSK|U DWW JlOOD 'HW EHK|YHU HPHOOHUWLG LQWH UHJOHUDV VlUVNLOW HIWHUVRP DYVDNQDGHQ DY HQ DQVYDUV I|UVlNULQJ XWJ|U HWW nVLGRVlWWDQGH DY GHQ Q\D ODJHQ 9LG DQJLYQD I|UKnOODQGHQ E|U LQJULSDQGH PHG VW|G DY GHQ DOOPlQQD EHVWlPPHOVHQ RP LQJULSDQGH NXQQD VNH NDS †

1lU GHW JlOOHU DQNQXWQD I|UPHGODUH VRP VND GLVWULEXHUD I|UVlNULQJV EDVHUDGH LQYHVWHULQJVSURGXNWHU HOOHU SHQVLRQVI|UVlNULQJDU VRP lU H[SRQHUDGH PRW PDUNQDGVYRODWLOLWHW lU IUnJDQ LQWH OLND HQNHO 'HQQD JUXSS DY I|UPHGODUH DJHUDU PHG HJHW WLOOVWnQG PHQ XQGDQWDV IUnQ NUDYHW Sn DQVYDUVI|UVlNULQJ bYHQ I|U GHQQD JUXSS lU HPHOOHUWLG DQNQ\WQLQJHQ WLOO QnJRQ DQQDQ DNW|U DY VnGDQ FHQWUDO EHW\GHOVH DWW GHQ InU DQVHV XWJ|UD HQ I|UXWVlWWQLQJ I|U WLOOVWnQGHW 0RW GHQQD EDNJUXQG E|U nWHUNDOOHOVH Sn GHQ JUXQGHQ DWW NUDYHW Sn DQVYDUVI|UVlNULQJ LQWH lU XSSI\OOW NXQQD VNH PHG VW|G DY GHQ DOOPlQQD EHVWlPPHOVHQ RP LQJULSDQGH

9HUNVDPKHW PHG VLGRWLOOVWnQG

,QYHVWHULQJVUnGJLYQLQJ PHG VLGRWLOOVWnQG

3URPHPRULDQV I|UVODJ 0|MOLJKHWHQ I|U I|UVlNULQJVI|UPHGODUH DWW In XW|YD VLGRYHUNVDPKHW L IRUP DY PRWWDJDQGH RFK YLGDUHEHIRUGUDQ DY RUGHU VDPW LQYHVWHULQJVUnGJLYQLQJ PHG DYVHHQGH Sn YLVVD IRQGDQGHODU WDV ERUW )|U DWW XW|YD VnGDQ YHUNVDPKHW VND GHW NUlYDV WLOOVWnQG WLOO YlUGHSDSSHUVU|UHOVH HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ

)|UVlNULQJVI|UPHGODUH VRP lU UHJLVWUHUDGH I|U I|UPHGOLQJ DY DOOD

VODJ DY I|UVlNULQJDU HOOHU HQEDUW OLYI|UVlNULQJDU VND NXQQD In HWW

VlUVNLOW WLOOVWnQG VLGRWLOOVWnQG I|U LQYHVWHULQJVUnGJLYQLQJ RP IRQG

DQGHODU VRP VND LQJn VRP WLOOJnQJDU L HQ IRQGI|UVlNULQJ HOOHU GHSn I|UVlNULQJ

9LG SU|YQLQJ DY HQ DQV|NDQ RP VLGRWLOOVWnQG VND EHVWlPPHOVHUQD RP I|UXWVlWWQLQJDU I|U WLOOVWnQG JlOOD L WLOOlPSOLJD GHODU 'HQ VRP KDU InWW VLGRWLOOVWnQG VND UHJLVWUHUDV KRV %RODJVYHUNHW

)|U HQ I|UVlNULQJVI|UPHGODUH PHG VLGRWLOOVWnQG VND GH NUDY Sn VWDUW NDSLWDO HOOHU DQVYDUVI|UVlNULQJ VRP I|OMHU DY ODJHQ RP YlUGHSDSSHUV

opaginerad JlOOD Kontrollera mot PDF

PDUNQDGHQ RFK I|UHVNULIWHU VRP PHGGHODWV PHG VW|G DY GHQ ODJHQ

JlOOD

(Q I|UVlNULQJVI|UPHGODUH PHG VLGRWLOOVWnQG VND lYHQ I|OMD YLVVD

EHVWlPPHOVHU L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ L WLOOlPSOLJD GHODU

)LQDQVLQVSHNWLRQHQ VND In I|UEMXGD HQ I|UVlNULQJVI|UPHGODUH DWW

XW|YD DQQDQ VLGRYHUNVDPKHW RP GHW ILQQV VlUVNLOGD VNlO

)|OMGlQGULQJDU J|UV L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU

PHGGHOD I|UHVNULIWHU VRP J|U GHW P|MOLJW DWW WLOOlPSD UHJOHUQD L GHW

GHOHJHUDGH GLUHNWLYHW RFK GHQ GHOHJHUDGH I|URUGQLQJHQ WLOO 0L),' ,,

lYHQ Sn I|UVlNULQJVI|UPHGODUH QlU GH XWI|U LQYHVWHULQJVUnGJLYQLQJ

3URPHPRULDQ 6WlUNW NRQVXPHQWVN\GG YLG I|UVlNULQJVI|UPHGOLQJV

I|UVODJ 'V |YHUHQVVWlPPHU GHOYLV PHG SURPHPRULDQV I|UVODJ

, GHQ SURPHPRULDQ I|UHVOnV LQJHQ lQGULQJ DY RPIDWWQLQJHQ DY GHQ

VLGRYHUNVDPKHW VRP I|UVlNULQJVI|UPHGODUH InU GULYD PHG VW|G DY GHW V N

VLGRWLOOVWnQGHW , GHQ SURPHPRULDQ I|UHVOnV DWW GHW NODUJ|UV DWW HQ I|UVlN

ULQJVI|UPHGODUH VRP GULYHU VLGRYHUNVDPKHW lYHQ VND YDUD VN\OGLJ DWW

I|OMD I|UHVNULIWHU VRP PHGGHODWV PHG VW|G DY EHP\QGLJDQGHQ L ODJHQ RP

YlUGHSDSSHUVPDUNQDGHQ

5HPLVVLQVWDQVHUQD WLOOVW\UNHU SURPHPRULDQV I|UVODJ HOOHU KDU LQJHW DWW

LQYlQGD PRW GHW

6NlOHQ I|U SURPHPRULDQV I|UVODJ

Sidotillståndets omfattning

, GDJ KDU I|UVlNULQJVI|UPHGODUH P|MOLJKHW DWW DQV|ND RP HWW VlUVNLOW

WLOOVWnQG DWW PRWWD RFK YLGDUHEHIRUGUD RUGHU DYVHHQGH VYHQVND YlUGH

SDSSHUVIRQGHU RFK VSHFLDOIRQGHU RFK GHUDV XWOlQGVND PRWVYDULJKHWHU

VDPW OlPQD LQYHVWHULQJVUnGJLYQLQJ DYVHHQGH VnGDQD IRQGHU VH NDS ±

†† ODJHQ RP I|UVlNULQJVI|UPHGOLQJ 'HQ VRP InWW HWW VnGDQW WLOOVWnQG

EHK|YHU LQWH WLOOVWnQG HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ I|U GHQ

YHUNVDPKHWHQ VRP XWJ|U YlUGHSDSSHUVU|UHOVH VH NDS † I|UVWD

VW\FNHW

'HW XQGDQWDJHW IUnQ WLOOVWnQGVSOLNW KDU WLOONRPPLW JHQRP DQYlQGDQGH

DY HQ YDOP|MOLJKHW L (XURSDSDUODPHQWHWV RFK UnGHWV GLUHNWLY (*

DY GHQ DSULO RP PDUNQDGHU I|U ILQDQVLHOOD LQVWUXPHQW RFK RP

lQGULQJ DY UnGHWV GLUHNWLY ((* RFK ((* RFK (XURSD

SDUODPHQWHWV RFK UnGHWV GLUHNWLY (* VDPW XSSKlYDQGH DY UnGHWV

GLUHNWLY ((* DUWLNHO VH SURS V I 'LUHN

WLYHW JDY HQ UlWW I|U PHGOHPVVWDWHUQD DWW XQGDQWD YLVV YlUGHSDSSHUVU|UHOVH

IUnQ WLOOVWnQGVSOLNW RP U|UHOVHQ HQGDVW EHVWnU DY PRWWDJDQGH RFK YLGDUH

EHIRUGUDQGH DY RUGHU VDPW LQYHVWHULQJVUnGJLYQLQJ PHG DYVHHQGH Sn

IRQGDQGHODU 6DPPD YDOP|MOLJKHW ILQQV NYDU L (XURSDSDUODPHQWHWV RFK

UnGHWV GLUHNWLY (8 DY GHQ PDM RP PDUNQDGHU I|U

ILQDQVLHOOD LQVWUXPHQW RFK RP lQGULQJ DY GLUHNWLY (* RFK DY

GLUHNWLY (8 DUWLNHO E 'H EnGD GLUHNWLYHQ EHQlPQV L GHW

I|OMDQGH 0L),' , UHVSHNWLYH 0L),' ,, (QOLJW 0L),' ,, lU GHW HQ

I|UXWVlWWQLQJ I|U WLOOlPSQLQJ DY XQGDQWDJHW DWW YLVVD NUDY lU XSSI\OOGD

EHWUlIIDQGH GH SHUVRQHU VRP XQGDQWDV IUnQ WLOOVWnQGVSOLNWHQ DUWLNHO

9LOND GHVVD NUDY lU DQJHV QHGDQ , GHQ PnQ XQGDQWDJHW L 0L),' ,,

opaginerad I|UVlNULQJVU|UHOVHODJHQ bYHQ L HQ GHSnI|UVlNULQJ NDQ SUHPLHUQD Kontrollera mot PDF

XWQ\WWMDV L IRUP DY HWW VLGRWLOOVWnQG PnVWH VnOHGHV YDG VRP DQJHV L GHQ DUWLNHOQ JHQRPI|UDV L VYHQVN UlWW

, SURSRVLWLRQHQ 1\D UHJOHU RP PDUNQDGHU I|U ILQDQVLHOOD LQVWUXPHQW 0L),' ,, RFK 0L),5 J|UV EHG|PQLQJHQ DWW lYHQ LQYHVWHULQJVUnG JLYQLQJ VRP XWI|UV LQRP UDPHQ I|U I|UVlNULQJVO|VQLQJDU XWJ|U WLOOVWnQGV SOLNWLJ YHUNVDPKHW HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ SURS V I 2FNVn PRWWDJDQGH RFK YLGDUHEHIRUGUDQ DY RUGHU DYVHHQGH IRQGDQGHODU XWJ|U WLOOVWnQGVSOLNWLJ YHUNVDPKHW HQOLJW GHQ ODJHQ , GHQQD SURPHPRULD J|UV EHG|PQLQJHQ DWW GHVVD LQYHVWHULQJVWMlQVWHU LQWH XWJ|U I|UVlNULQJVGLVWULEXWLRQ LQWH HQV RP WMlQVWHUQD DYVHU ILQDQVLHOOD LQVWUXPHQW VRP VND LQJn L HQ IRQGI|UVlNULQJ HOOHU GHSnI|UVlNULQJ 'HW LQQHElU DWW HWW WLOOVWnQG WLOO I|UVlNULQJVI|UPHGOLQJ HQGDVW NRPPHU DWW JH UlWW WLOO UnGJLYQLQJ RP GHW I|UVlNULQJVVN\GG VRP HQ NXQG InU JHQRP DWW LQJn HWW I|UVlNULQJVDYWDO (Q I|UVlNULQJVI|UPHGODUH NRPPHU VnOHGHV DWW NXQQD JH UnG RP KXUXYLGD HQ NXQG VND WHFNQD HQ IRQGI|UVlNULQJ HQ GHSnI|UVlNULQJ HOOHU HQ WUDGLWLRQHOO OLYI|UVlNULQJ PHQ LQWH RP YLOND ILQDQVLHOOD LQVWUXPHQW VRP VND LQJn L HQ GHSnI|UVlNULQJ HOOHU YLOND IRQGDQGHODU VRP VND LQJn L HQ IRQGI|UVlNULQJ ,QWH KHOOHU NRPPHU HQ I|UVlNULQJVI|UPHGODUH DWW NXQQD WD HPRW RFK I|UPHGOD RUGHU DYVHHQGH IRQGDQGHODU VRP VND LQJn L HQ IRQGI|UVlNULQJ HOOHU GHSnI|UVlNULQJ

$WW VRP L GDJ JH I|UVlNULQJVI|UPHGODUH P|MOLJKHW DWW PHG VW|G DY HWW VLGRWLOOVWnQG EHGULYD YLVV YlUGHSDSSHUVU|UHOVH XWDQ NUDY Sn GLUHNW DQ NQ\WQLQJ WLOO I|UVlNULQJVGLVWULEXWLRQ JnU NQDSSDVW DWW I|UHQD PHG NUDYHW Sn WLOOVWnQG I|U LQYHVWHULQJVUnGJLYQLQJ VDPW PRWWDJDQGH RFK YLGDUHEH IRUGUDQ DY RUGHU PHG DYVHHQGH Sn IRQGDQGHODU RFK DQGUD ILQDQVLHOOD LQVWUXPHQW 'HW VlUVNLOGD WLOOVWnQGHW WLOO VLGRYHUNVDPKHW I|U I|UVlNULQJV I|UPHGODUH DWW GULYD YLVV YlUGHSDSSHUVU|UHOVH XWDQ GLUHNW DQNQ\WQLQJ WLOO I|UVlNULQJVGLVWULEXWLRQ E|U GlUI|U WDV ERUW 'HQ I|UVlNULQJVI|UPHGODUH VRP L IRUWVlWWQLQJHQ YLOO NXQQD WD HPRW RFK YLGDUHEHIRUGUD RUGHU VDPW OlPQD LQYHVWHULQJVUnGJLYQLQJ DYVHHQGH IRQGDQGHODU NRPPHU GlUI|U DWW EHK|YD DQV|ND RP WLOOVWnQG DWW GULYD YlUGHSDSSHUVU|UHOVH HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ

, GHQ QlPQGD SURSRVLWLRQHQ J|U UHJHULQJHQ EHG|PQLQJHQ DWW IUnJDQ RP XWQ\WWMDQGH DY P|MOLJKHWHQ HQOLJW 0L),' ,, DWW XQGDQWD I|UVlNULQJV I|UPHGODUH IUnQ YLVVD NUDY HQOLJW GHW GLUHNWLYHW E|U |YHUYlJDV LQRP UDPHQ I|U GHW I|UHYDUDQGH ODJVWLIWQLQJVlUHQGHW )|U GH I|UVlNULQJV I|UPHGODUH VRP lJQDU VLJ nW GLVWULEXWLRQ DY IRQGI|UVlNULQJDU NRPPHU LQYHVWHULQJVUnGJLYQLQJ U|UDQGH IRQGDQGHODU VRP NDQ LQJn L HQ IRQGI|UVlNULQJ lYHQ IRUWVlWWQLQJVYLV DWW YDUD HQ YHUNVDPKHW VRP KDU HWW QlUD VDPEDQG PHG I|UVlNULQJVGLVWULEXWLRQHQ 0HG GHQ GHILQLWLRQ DY I|UVlNULQJVGLVWULEXWLRQ VRP I|UHVOnV JlOOD HQOLJW GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ NRPPHU GHW GRFN VRP DQJHV RYDQ LQWH DWW YDUD P|MOLJW I|U HQ I|UVlNULQJVI|UPHGODUH DWW GULYD GHQ YHUNVDPKHWHQ HQEDUW Sn JUXQGYDO DY HWW WLOOVWnQG WLOO I|UVlNULQJVGLVWULEXWLRQ HIWHUVRP GHQ DQVHV YDUD WLOOVWnQGVSOLNWLJ YlUGHSDSSHUVU|UHOVH

, HQ IRQGI|UVlNULQJ InU HQGDVW LQJn IRQGHU VRP I|UYDOWDV DY GHQ VRP KDU UlWW DWW GULYD IRQGYHUNVDPKHW HQOLJW ODJHQ RP YlUGHSDSSHUVIRQGHU HOOHU DY GHQ VRP KDU UlWW DWW I|UYDOWD VSHFLDOIRQGHU HQOLJW ODJHQ RP I|UYDOWDUH DY DOWHUQDWLYD LQYHVWHULQJVIRQGHU NDS †

I|UVlNULQJVU|UHOVHODJHQ bYHQ L HQ GHSnI|UVlNULQJ NDQ SUHPLHUQD

LQYHVWHUDV L VnGDQD IRQGDQGHODU , HQ GHSnI|UVlNULQJ NDQ LQYHVWHULQJDU

opaginerad I|UVlNULQJVU|UHOVHODJHQ bYHQ L HQ GHSnI|UVlNULQJ NDQ SUHPLHUQD Kontrollera mot PDF

lYHQ VNH L DQGHODU L IRQGHU VRP K|U KHPPD L OlQGHU XWDQI|U ((6 RFK VRP PRWVYDUDU DQGHODU L VYHQVND YlUGHSDSSHUVIRQGHU RFK VSHFLDOIRQGHU 5LVNQLYnQ L GH SODFHULQJDU VRP J|UV L IRQGDQGHODU lU W\SLVNW VHWW YlVHQWOLJW OlJUH lQ L GH SODFHULQJDU VRP J|UV L DQGUD ILQDQVLHOOD LQVWUX PHQW LQRP UDPHQ I|U HQ GHSnI|UVlNULQJ W H[ L ROLND GHULYDWLQVWUXPHQW RFK VWUXNWXUHUDGH SURGXNWHU 'HW NDQ RFNVn LQQHElUD HQ I|UGHO I|U PnQJD NXQGHU RP HWW VW|UUH DQWDO I|UVlNULQJVI|UPHGODUH KDU P|MOLJKHW DWW OlPQD UnGJLYQLQJ DYVHHQGH IRQGDQGHODU L VnGDQD I|UVlNULQJDU VRP GLVWULEXHUDV DY I|UPHGODUQD L IUnJD )|U HQ VnGDQ RUGQLQJ WDODU KXVKnOOHQV EHKRY DY WLOOJnQJ WLOO ILQDQVLHOOD WMlQVWHU L GHWWD DYVHHQGH 'HW IUDPVWnU VRP RSUDNWLVNW DWW HQ NXQG VND EHK|YD V|ND XSS HQ DQQDQ DNW|U I|U DWW In UnGJLYQLQJ RP LQQHKnOOHW L GHQ I|UVlNULQJ VRP HQ I|UVlNULQJVGLVWULEXW|U KDU GLVWULEXHUDW 'HW E|U PRW GHQ DQJLYQD EDNJUXQGHQ YDUD P|MOLJW I|U HQ I|UVlNULQJVI|UPHGODUH PHG WLOOVWnQG DWW XW|YD I|UVlNULQJVGLVWULEXWLRQ DYVHHQGH IRQGI|UVlNULQJDU RFK GHSnI|UVlNULQJDU DWW HIWHU VlUVNLOW WLOOVWnQG OlPQD LQYHVWHULQJVUnGJLYQLQJ PHG DYVHHQGH Sn IRQGDQGHODU VRP VND LQJn L HQ IRQGI|UVlNULQJ HOOHU GHSnI|UVlNULQJ 'HW E|U LQI|UDV HQ P|MOLJKHW DWW In HWW VnGDQW VlUVNLOW WLOOVWnQG HQOLJW GHQ Q\D ODJHQ RP I|UVlNULQJV GLVWULEXWLRQ RFK HWW PRWVYDUDQGH XQGDQWDJ IUnQ WLOOVWnQGVSOLNW I|U YlUGHSDSSHUVU|UHOVH E|U J|UDV L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ (WW DY NUDYHQ I|U VLGRWLOOVWnQG E|U OLNVRP I|U VLGRWLOOVWnQG VRP InU JHV HQOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ YDUD DWW LQYHVWHULQJVUnGJLYQLQJHQ VND YDUD HQ VLGRYHUNVDPKHW WLOO I|UVlNULQJVGLVWULEXWLRQHQ 5HJLVWUHULQJ VRP I|UVlNULQJVI|UPHGODUH VND DOOWVn LQWH NXQQD YDUD HWW VlWW DWW XQGJn WLOOVWnQGVNUDYHW L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ

3n JUXQG DY GHQ EHJUlQVQLQJ VRP I|UHVOnV DYVHHQGH IRQGDQGHODU VRP LQJnU L HQ VSHFLILN IRQGI|UVlNULQJ HOOHU GHSnI|UVlNULQJ E|U GHW VDNQDV DQOHGQLQJ DWW GHW LQRP UDPHQ I|U HWW VLGRWLOOVWnQG lYHQ VND ILQQDV UlWW DWW WD HPRW RFK YLGDUHEHIRUGUD RUGHU DYVHHQGH IRQGDQGHODU (IWHUVRP GHW lU IUnJD RP HQ I|UVlNULQJ lU GHW LQWH I|UVlNULQJVWDJDUHQ VRP lJHU IRQG DQGHODUQD XWDQ GHW lU I|UVlNULQJVJLYDUHQ VRP J|U GHW )|U I|UVlNULQJV JLYDUHQ XSSNRPPHU GlUHPRW HWW nWDJDQGH JHQWHPRW I|UVlNULQJVWDJDUHQ GlU nWDJDQGHWV VWRUOHN VYDUDU PRW YlUGHW Sn GH DNWXHOOD IRQGDQGHODUQD , SURPHPRULDQ J|UV GlUI|U EHG|PQLQJHQ DWW GHW PHG KlQV\Q WLOO GHVVD I|UKnOODQGHQ LQWH lU IUnJD RP XWI|UDQGH DY LQYHVWHULQJVWMlQVWHQ PRWWDJDQGH RFK YLGDUHEHIRUGUDQ DY RUGHU L ODJHQ RP YlUGH SDSSHUVPDUNQDGHQ %HKRYHW DY XQGDQWDJ I|U HQ VnGDQ LQYHVWHULQJVWMlQVW ILQQV GlUI|U LQWH OlQJUH QlU YHUNVDPKHWHQ PHG VLGRWLOOVWnQG HQOLJW I|UVODJHW LQWH VND In DYVH IRQGDQGHODU VRP LQWH VND LQJn L HQ I|UVlNULQJ

(Q DY I|UXWVlWWVlWWQLQJDUQD I|U XQGDQWDJ IUnQ WLOOVWnQGVSOLNW HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ lU DWW I|UVlNULQJVI|UPHGODUHQ LQWH InU LQQHKD NXQGPHGHO HOOHU NXQGHUV YlUGHSDSSHU RFK GlUI|U LQWH YLG QnJRQ WLGSXQNW InU VWn L VNXOG WLOO VLQD NXQGHU VH NDS † I|UVWD VW\FNHW F RFK DUWLNHO D L 0L),' ,, 'n GHWWD lU HQ I|UXWVlWWQLQJ HQOLJW 0L),' ,, E|U NUDYHW NYDUVWn ODJHQ lYHQ RP GHW NDQ LIUnJDVlWWDV RP GHQQD VLWXDWLRQ DNWXDOLVHUDV L SUDNWLNHQ PRW EDNJUXQG DY EHJUlQVQLQJHQ DY YLOND LQYHVWHULQJVWMlQVWHU VRP InU XW|YDV PHG HWW VLGRWLOOVWnQG

opaginerad Förutsättningarna för sidotillstånd Kontrollera mot PDF

Förutsättningarna för sidotillstånd

(Q I|UXWVlWWQLQJ I|U VLGRWLOOVWnQG E|U OLNVRP L GDJ YDUD DWW I|UVlNULQJV I|UPHGODUHQ lU UHJLVWUHUDG I|U I|UPHGOLQJ DY DOOD VODJ DY I|UVlNULQJDU HOOHU HQEDUW OLYI|UVlNULQJDU MIU SURS V 'HW LQQHElU DWW GHW LQWH ILQQV QnJRW KLQGHU I|U HQ DQNQXWHQ I|UPHGODUH HOOHU HQ DQNQXWHQ VLGRYHUNVDP I|UPHGODUH DWW In HWW VLGRWLOOVWnQG XQGHU I|UXWVlWWQLQJ DWW GHQ XSSI\OOHU NUDYHQ L |YULJW

3n VDPPD VlWW VRP JlOOHU L GDJ LQQHElU HWW VLGRWLOOVWnQG lYHQ L IRUWVlWWQLQJHQ LQWH QnJRQ UlWW I|U I|UVlNULQJVI|UPHGODUHQ DWW XW|YD VnGDQ VLGRYHUNVDPKHW L DQGUD OlQGHU LQRP ((6 PHG VW|G DY HWDEOHULQJVIULKHWHQ RFK IULKHWHQ DWW WLOOKDQGDKnOOD WMlQVWHU VH DUWLNHO L 0L),' ,,

(Q I|UVlNULQJVI|UPHGODUH VRP XW|YDU VLGRYHUNVDPKHW VND XSSI\OOD NUDYHQ Sn VWDUWNDSLWDO HOOHU DQVYDUVI|UVlNULQJ VRP I|OMHU DY ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ RFK I|UHVNULIWHU VRP PHGGHODWV PHG VW|G DY GHQ ODJHQ GYV VDPPD NUDY E|U JlOOD YLG XW|YDQGH DY VLGRYHUNVDPKHW VRP YLG YlUGHSDSSHUVU|UHOVH VRP GULYV DY HWW YlUGHSDSSHUVERODJ VH NDS † ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ RFK SURS V ±

)|UVlNULQJVI|UPHGODUH VRP KDU InWW HWW VLGRWLOOVWnQG E|U UHJLVWUHUD VLJ KRV %RODJVYHUNHW Sn VDPPD VlWW VRP JlOOHU I|U I|UVlNULQJVI|UPHGODUH PHG WLOOVWnQG I|U I|UVlNULQJVGLVWULEXWLRQ VH DYVQLWW 6LGRYHUN VDPKHW PHG VW|G DY HWW VLGRWLOOVWnQG E|U LQWH KHOOHU In SnE|UMDV I|UUlQ UHJLVWUHULQJ KDU VNHWW

0|MOLJKHWHQ I|U )LQDQVLQVSHNWLRQHQ DWW L XQGDQWDJVIDOO I|UEMXGD HQ YLVV DQQDQ VLGRYHUNVDPKHW E|U JlOOD lYHQ HQOLJW GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ VH SURS V I

Övriga tillämpliga bestämmelser i lagen om värdepappersmarknaden och MiFID II

'HW DQI|UGD LQQHElU DWW 6YHULJH LQWH NRPPHU DWW XWQ\WWMD XQGDQWDJHW L 0L),' ,, DUWLNHO E L OLND VWRU XWVWUlFNQLQJ VRP 6YHULJH L GDJ XWQ\WWMDU PRWVYDUDQGH XQGDQWDJ L 0L),' , 'HWWD lU KHOW L HQOLJKHW PHG 0L),' ,, HIWHUVRP GHW QX DNWXHOOD XQGDQWDJHW IUnQ WLOOVWnQGVSOLNW lU QnJRW VRP PHGOHPVVWDWHUQD NDQ YlOMD DWW DQYlQGD VLJ DY 8QGDQWDJHW lU DOOWVn IULYLOOLJW WLOO VNLOOQDG IUnQ GH DQGUD XQGDQWDJ IUnQ WLOOVWnQGVSOLNW VRP ILQQV L GHW GLUHNWLYHW DUWLNHO

'HW QX DNWXHOOD XQGDQWDJHW L 0L),' ,, LQQHKnOOHU WLOO VNLOOQDG IUnQ PRW VYDUDQGH XQGDQWDJ L 0L),' , HWW NUDY Sn DWW GH VRP XQGDQWDV IUnQ WLOO VWnQGVSOLNW VND RPIDWWDV DY NUDY VRP PLQVW PRWVYDUDU YLVVD NUDY L GLUHNWLYHW VH DUWLNHO I|UVWD VW\FNHW L 0L),' ,, 'H NUDY VRP DYVHV lU YLOONRU RFK I|UIDUDQGHQ I|U DXNWRULVDWLRQ RFK IRUWO|SDQGH WLOOV\Q DUWLNODUQD ± ± RFK XSSI|UDQGHUHJOHU DUWLNODUQD ± RFK VDPW RUJDQLVDWRULVND NUDY I|UVWD VMlWWH RFK VMXQGH VW\FNHW L DUWLNHO RFK 'lUXW|YHU VND GHVVD SHUVRQHU RPIDWWDV DY JHQRPI|UDQGHDNWHU RFK GHOHJHUDGH DNWHU VRP NRPPLVVLRQHQ DQWDU RFK RP GHQ QDWLRQHOOD RUGQLQJHQ PHGJHU DWW GHVVD SHUVRQHU XWVHU DQNQXWQD RPEXG GH VlUVNLOGD NUDY VRP JlOOHU I|U YlUGHSDSSHUVI|UHWDJ VRP XWVHU DQNQXWQD RPEXG DUWLNHO , VNlOHQ WLOO 0L),' ,, DQJHV DWW HQ PHGOHPVVWDW VRP YlOMHU DWW DQYlQGD VLJ DY GHW QX DNWXHOOD XQGDQWDJHW VND WLOOlPSD NUDY VRP nWPLQVWRQH lU MlPI|UEDUD PHG

opaginerad WMlQVWHUQD Kontrollera mot PDF

GHP L GLUHNWLYHW VNlO 0HGOHPVVWDWHUQD VND lYHQ NUlYD DWW SHUVRQHU

VRP XQGDQWDV IUnQ WLOOVWnQGVSOLNWHQ VND RPIDWWDV DY HWW V\VWHP I|U

HUVlWWQLQJ WLOO LQYHVWHUDUH VRP HUNlQQV L HQOLJKHW PHG GLUHNWLY (*

DOWHUQDWLYW DWW SHUVRQHQ KDU HQ DQVYDUVI|UVlNULQJ VRP PHG EHDNWDQGH DY

GHQ VWRUOHN ULVNSURILO RFK UlWWVOLJD IRUP VRP GHQ XQGDQWDJQD SHUVRQHQ

KDU VlNHUVWlOOHU HWW OLNYlUGLJW VN\GG I|U GHUDV NXQGHU DUWLNHO DQGUD

VW\FNHW , DUWLNHOQV WUHGMH VW\FNH ILQQV HWW XQGDQWDJ IUnQ NUDYHW L DQGUD

VW\FNHW VRP LQQHElU DWW PHGOHPVVWDWHU VRP UHGDQ KDU VnGDQD ODJDU RFK

DQGUD I|UIDWWQLQJDU Sn SODWV I|UH GHQ MXOL IUDP WLOO RFK PHG GHQ

MXOL InU NUlYD DWW SHUVRQHU VRP XQGDQWDV IUnQ WLOOVWnQGVSOLNWHQ QlU

GH WLOOKDQGDKnOOHU LQYHVWHULQJVWMlQVWHUQD PRWWDJDQGH RFK YLGDUHEHIRUGUDQ

DY RUGHU RFK HOOHU WLOOKDQGDKnOODQGH DY LQYHVWHULQJVUnGJLYQLQJ DYVHHQGH

DQGHODU L I|UHWDJ I|U NROOHNWLYD LQYHVWHULQJDU RFK DJHUDU VRP PHOODQ

KlQGHU I|U HWW I|UYDOWQLQJVI|UHWDJ HQOLJW GHILQLWLRQHQ L GLUHNWLY

(* VND YDUD VROLGDULVNW DQVYDULJD WLOOVDPPDQV PHG I|UYDOW

QLQJVERODJHW I|U DOOD VNDGRU VRP nVDPNDWV NXQGHQ L VDPEDQG PHG GH

WMlQVWHUQD

, GHQQD SURPHPRULD I|UHVOnV DWW ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ VND

YDUD WLOOlPSOLJ lYHQ Sn HQ I|UVlNULQJVI|UPHGODUH VRP XW|YDU VLGR

YHUNVDPKHW PHG VW|G DY VLGRWLOOVWnQG RP LQWH DQQDW DQJHV VH DYVQLWW

8WJnQJVSXQNWHQ lU VnOHGHV DWW YHUNVDPKHW PHG VW|G DY VLGR

WLOOVWnQG UHJOHUDV L ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ )UDPI|U DOOW PRW

EDNJUXQG DY GH NUDY VRP 0L),' ,, VWlOOHU XSS EHK|YHU GHW |YHUYlJDV

YLOND EHVWlPPHOVHU L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ VRP GlUXW|YHU

VND YDUD WLOOlPSOLJD Sn GHQQD YHUNVDPKHW bYHQ HQOLJW JlOODQGH UlWW lU

YLVVD EHVWlPPHOVHU L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ WLOOlPSOLJD I|U

I|UVlNULQJVI|UPHGODUH VRP XW|YDU YHUNVDPKHW PHG VLGRWLOOVWnQG VH

NDS † IMlUGH VW\FNHW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ VRP LQQHKnOOHU

HQ KlQYLVQLQJ WLOO NDS ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ 'H EHVWlP

PHOVHU VRP DYVHV lU HQOLJW I|UDUEHWHQD VnGDQD VRP LQQHKnOOHU FHQWUDOD

U|UHOVHUHJOHU NDS ± ± RFK †† VH SURS

V 'HWWD LQQHElU DWW VDPPD VN\OGLJKHWHU VRP JlOOHU I|U

HWW YlUGHSDSSHUVERODJ VRP GULYHU YlUGHSDSSHUVU|UHOVH JlOOHU I|U HQ

I|UVlNULQJVI|UPHGODUH VRP WLOOKDQGDKnOOHU WMlQVWHU PHG VW|G DY HWW VLGR

WLOOVWnQG 0RW EDNJUXQG DY NUDYHW L 0L),' ,, PnVWH GHW VlNHUVWlOODV DWW

UHJOHUQD lYHQ L IRUWVlWWQLQJHQ EOLU GHVDPPD I|U HQ I|UVlNULQJVI|UPHGODUH

QlU GHQ GULYHU YlUGHSDSSHUVU|UHOVH VRP I|U HWW YlUGHSDSSHUVERODJ 'HW

LQQHElU DWW DYVHYlUW IOHU EHVWlPPHOVHU L ODJHQ RP YlUGHSDSSHUV

PDUNQDGHQ PnVWH EOL WLOOlPSOLJD I|U I|UVlNULQJVI|UPHGODUH PHG VLGR

WLOOVWnQG HQOLJW GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ lQ YDG VRP lU

IDOOHW L GDJ HQOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ 8W|YHU NUDYHW L

GLUHNWLYHW WDODU NRQNXUUHQVQHXWUDOLWHW RFK EHKRYHW DY NRQVXPHQWVN\GG I|U

HQ OLNDUWDG UHJOHULQJ

, GHQ PnQ EHVWlPPHOVHUQD L ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ NDQ DQVHV

PRWVYDUD YLVVD EHVWlPPHOVHU L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ lU GHW

LQWH VWULNW Q|GYlQGLJW DWW KlQYLVD WLOO GH VHQDUH EHVWlPPHOVHUQD 0RW

EDNJUXQG DY DWW GHW lU IUnJD RP NUDY VRP PLQVW PRWVYDUDU NUDYHQ L

0L),' ,, ILQQV GHW HPHOOHUWLG LQJHQWLQJ VRP KLQGUDU DWW UHJOHUQD L ODJHQ

RP YlUGHSDSSHUVPDUNQDGHQ WLOOlPSDV IUDPI|U UHJOHUQD L ODJHQ RP

I|UVlNULQJVGLVWULEXWLRQ HQV L GH IDOO GlU GHQ VHQDUH ODJHQ NDQ DQVHV VWlOOD

XSS PRWVYDUDQGH NUDY 5HGDQ GHW VNlOHW DWW GHQ LQYHVWHULQJVUnGJLYQLQJ

opaginerad NDWHJRULHU VH VDPPD SURS V ± RFK DYVQLWW QHGDQ bYHQ QlU Kontrollera mot PDF

VRP NDQ NRPPD L IUnJD PHG VW|G DY HWW VLGRWLOOVWnQG XWJ|U YlUGHSDSSHUV U|UHOVH RFK LQWH I|UVlNULQJVGLVWULEXWLRQ WDODU PHG YLVV VW\UND I|U DWW DOOD GH DNWXHOOD EHVWlPPHOVHUQD L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ E|U WLOOlPSDV Sn I|UVlNULQJVI|UPHGODUH QlU GH GULYHU YlUGHSDSSHUVU|UHOVH PHG VW|G DY HWW VnGDQW WLOOVWnQG

'HW E|U SnSHNDV DWW lYHQ RP ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ HQOLJW I|UVODJHW L GHQQD SURPHPRULD LQQHKnOOHU YLVVD EHVWlPPHOVHU VRP PRWVYDUDU GHP L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ lU GHVVD XWIRUPDGH PHG EHDNWDQGH DY DWW GHW lU IUnJD RP I|UVlNULQJVGLVWULEXWLRQ 3n PRWVYDUDQGH YLV I|UKnOOHU GHW VLJ JLYHWYLV PHG EHVWlPPHOVHUQD L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ GYV DWW GH lU XWIRUPDGH I|U YlUGHSDSSHUV U|UHOVH 'HQQD RPVWlQGLJKHW InU VWRU EHW\GHOVH QlU GHW JlOOHU EHVWlP PHOVHU L I|UHVNULIWHU Sn OlJUH QLYn lQ ODJ VRP UHJOHUQD L .RPPLVVLRQHQV GHOHJHUDGH GLUHNWLY (8 DY GHQ DSULO RP NRPSOHWWHULQJ DY (XURSDSDUODPHQWHWV RFK UnGHWV GLUHNWLY (8 L IUnJD RP VN\GG DY ILQDQVLHOOD LQVWUXPHQW RFK PHGHO VRP WLOOK|U NXQGHU SURGXNWVW\U QLQJVNUDY RFK UHJOHU I|U WLOOKDQGDKnOODQGH HOOHU PRWWDJDQGH DY DYJLIWHU SURYLVLRQHU HOOHU DQGUD PRQHWlUD HOOHU LFNH PRQHWlUD I|UPnQHU GHOHJ HUDGH GLUHNWLYHW WLOO 0L),' ,, RFK .RPPLVVLRQHQV GHOHJHUDGH I|URUGQLQJ (8 DY GHQ DSULO RP NRPSOHWWHULQJ DY (XURSD SDUODPHQWHWV RFK UnGHWV GLUHNWLY (8 YDG JlOOHU RUJDQLVDWRULVND NUDY RFK YLOONRU I|U YHUNVDPKHWHQ L YlUGHSDSSHUVI|UHWDJ RFK GHILQLWLRQHU I|U WLOOlPSQLQJ DY GHW GLUHNWLYHW GHOHJHUDGH I|URUGQLQJHQ WLOO 0L),' ,, VDPW L I|UHNRPPDQGH IDOO P\QGLJKHWVI|UHVNULIWHU 'H EHVWlPPHOVHUQD NRPSOHWWHUDU GHW VRP JlOOHU HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ RFK GHQ KHOKHW VRP GlULJHQRP XSSQnV L UHJHOYHUNHW ULVNHUDU DWW Jn I|UORUDG HOOHU L YDUW IDOO NUDIWLJW I|UVYDJDV RP GH L VWlOOHW VNXOOH WLOOlPSDV WLOOVDPPDQV PHG ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ 6DPPDQIDWWQLQJVYLV IUDPVWnU GHW GlUI|U VRP PHVW lQGDPnOVHQOLJW DWW GH EHVWlPPHOVHU L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ VRP L VYHQVN UlWW JHQRPI|U GH EHU|UGD UHJOHUQD L 0L),' ,, DUWLNHO VND WLOOlPSDV lYHQ QlU I|UVlNULQJV I|UPHGODUH GULYHU YlUGHSDSSHUVU|UHOVH PHG VW|G DY VLGRWLOOVWnQG 'HWWD E|U XSSQnV JHQRP DWW GHW L ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ LQI|UV KlQYLVQLQJDU WLOO GHVVD EHVWlPPHOVHU L WLOOlPSOLJD GHODU

%ODQG GH NUDY VRP DQJHV L DUWLNHO I|UVWD VW\FNHW L 0L),' ,, ILQQV LQWH NUDY Sn NXQVNDS RFK NRPSHWHQV VDPW GH JHQHUHOOD UHJOHUQD RP HUVlWWQLQJDU WLOO HOOHU IUnQ WUHGMHSDUW VH GRFN DUWLNHO L 0L),' ,, RP WUHGMHSDUWVHUVlWWQLQJ YLG REHURHQGH LQYHVWHULQJVUnGJLYQLQJ $Y SURS IUDPJnU GHW DWW UHJHULQJHQ HIWHUVWUlYDU DWW XSSQn HQ OLNDUWDG UHJOHULQJ I|U DOOD DNW|UHU VRP XWI|U UnGJLYQLQJ Sn ILQDQVPDUNQDGV RPUnGHW , SURSRVLWLRQHQ I|UHVOnV DWW IRQGERODJ RFK $,) I|UYDOWDUH VRP OlPQDU UnG RP IRQGDQGHODU LQRP UDPHQ I|U VLQ IRQGYHUNVDPKHW VND WLOOlPSD EHVWlPPHOVHUQD L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ RP LQWUHVVHNRQIOLNWHU RP NRPSHWHQVNUDY I|U GHQ SHUVRQDO VRP WLOOKDQGD KnOOHU UnGJLYQLQJ RFK RP OlPSOLJKHWVEHG|PQLQJ RFK UHJOHU RP UDSSRUW HULQJ RFK OlPSOLJKHWVI|UNODULQJ WLOO NXQG )RQGERODJ RFK $,) I|UYDOWDUH VND lYHQ WLOOlPSD EHVWlPPHOVHUQD L GHQ ODJHQ RP HUVlWWQLQJVV\VWHP LQIRUPDWLRQ WLOO NXQG YLG LQYHVWHULQJVUnGJLYQLQJ RP HUVlWWQLQJDU VRP EHWDODV WLOO HOOHU WDV HPRW IUnQ WUHGMHSDUW RFK RP LQGHOQLQJ DY NXQGHU L

NDWHJRULHU VH VDPPD SURS V ± RFK DYVQLWW QHGDQ bYHQ QlU

GHW JlOOHU I|UVlNULQJVI|UPHGODUH VRP GULYHU YHUNVDPKHW PHG VW|G DY

opaginerad ULQJVI|UPHGODUH Kontrollera mot PDF

VLGRWLOOVWnQG E|U EHVWlPPHOVHUQD RP NXQVNDS RFK NRPSHWHQV VDPW YLVVD

\WWHUOLJDUH EHVWlPPHOVHU RP HUVlWWQLQJDU WLOO HOOHU IUnQ WUHGMHSDUW L ODJHQ

RP YlUGHSDSSHUVPDUNQDGHQ YDUD WLOOlPSOLJD )|UXWRP DPELWLRQHQ RP DWW

XSSQn HQ OLNDUWDG UHJOHULQJ WDODU lYHQ ULVNHQ I|U VYnULJKHWHU YLG

WLOOlPSQLQJHQ DY GH EHVWlPPHOVHU VRP JlOOHU HQOLJW UlWWVDNWHU VRP DQWDV

DY NRPPLVVLRQHQ I|U GHQQD O|VQLQJ (QOLJW I|UVODJHW L GHQQD SURPHPRULD

VND ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ LQQHKnOOD OLNDUWDGH EHVWlPPHOVHU

RP NXQVNDS RFK NRPSHWHQV VDPW HUVlWWQLQJDU WLOO RFK IUnQ WUHGMHSDUW RFK

VHWW L VLQ KHOKHW NDQ NUDYHQ VRP I|OMHU DY ODJHQ RP YlUGHSDSSHUV

PDUNQDGHQ LQWH DQVHV YDUD DOOWI|U EHWXQJDQGH I|U GHQQD JUXSS DY I|UVlN

ULQJVI|UPHGODUH

, ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ DQYlQGV LQWH EHJUHSSHQ NRQVXPHQW

RFK QlULQJVLGNDUH , VWlOOHW VND YlUGHSDSSHUVLQVWLWXWHQ GHOD LQ NXQGHUQD L

NDWHJRULHUQD SURIHVVLRQHOOD NXQGHU RFK LFNH SURIHVVLRQHOOD NXQGHU (Q

NRQVXPHQW WRUGH YDQOLJWYLV GHILQLHUDV VRP HQ LFNH SURIHVVLRQHOO NXQG

OLNVRP GH IOHVWD I|UHWDJVNXQGHU .XQGLQGHOQLQJHQ KDU EHW\GHOVH I|U KXU

NXQGVN\GGVUHJOHUQD L NDS L GHQ ODJHQ VND WLOOlPSDV 0RW GHQQD EDN

JUXQG E|U lYHQ UHJOHUQD RP LQGHOQLQJ DY NXQGHU L ODJHQ RP YlUGH

SDSSHUVPDUNQDGHQ JlOOD I|U I|UVlNULQJVI|UPHGODUH VRP XW|YDU VLGR

YHUNVDPKHW PHG VW|G DY VLGRWLOOVWnQG NDS ± †† ODJHQ RP YlUGH

SDSSHUVPDUNQDGHQ 'HW lU lYHQ GHQQD RUGQLQJ VRP I|UHVOnV VND JlOOD I|U

I|UVlNULQJVI|UHWDJ

'HW NDQ KlYGDV DWW HQ NRQVWUXNWLRQ VRP E\JJHU Sn KlQYLVQLQJDU WLOO

DQQDQ ODJ NDQ OHGD WLOO JUlQVGUDJQLQJVSUREOHP YLG WLOOlPSQLQJHQ DY GH

EnGD UHJHOYHUNHQ 'HW NDQ lYHQ ILQQDV YLVVD I|UGHODU PHG DWW VDPOD DOO

ODJVWLIWQLQJ VRP U|U I|UVlNULQJVGLVWULEXWLRQ L HQ RFK VDPPD ODJ , GHWWD

IDOO J|UV HPHOOHUWLG EHG|PQLQJHQ DWW GHW ILQQV VWDUND VNlO DWW W\GOLJJ|UD

DWW GHW I|UHOLJJHU HQ VNLOOQDG PHOODQ I|UVlNULQJVGLVWULEXWLRQ RFK YlUGH

SDSSHUVU|UHOVH 'HW lU LQWH KHOOHU IUnJD RP DWW OnWD EHVWlPPHOVHUQD L

ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ EOL WLOOlPSOLJD Sn DOO ILQDQVLHOO

UnGJLYQLQJ RFK LQYHVWHULQJVUnGJLYQLQJ XWDQ GHWWD NRPPHU EDUD EOL

DNWXHOOW L GH IDOO HQ I|UVlNULQJVI|UPHGODUH GULYHU YlUGHSDSSHUVU|UHOVH

PHG VW|G DY HWW VLGRWLOOVWnQG MIU I|UVODJHW L 628 RP HQ HQKHWOLJ

UHJOHULQJ DY ILQDQVLHOO UnGJLYQLQJ RFK LQYHVWHULQJVUnGJLYQLQJ 'HW

ERUGH L I|UHQLQJ PHG NDUDNWlUHQ DY GH EHVWlPPHOVHU VRP GHW KlQYLVDV

WLOO LQQHElUD DWW IUnJDQ RP JUlQVGUDJQLQJVSUREOHP LQWH E|U |YHUGULYDV

1lU GHW JlOOHU UHJOHUQD RP RUJDQLVDWLRQ RFK NDSLWDONUDY P P I|U

I|UVlNULQJVI|UPHGODUH I|OMHU GHVVD DY I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

RFK VND JLYHWYLV WLOOlPSDV lYHQ Sn I|UVlNULQJVI|UPHGODUH PHG VLGRWLOO

VWnQG 'HW LQQHElU DWW YLVVD EHVWlPPHOVHU L ODJHQ RP YlUGHSDSSHUV

PDUNQDGHQ GHVVXWRP VND JlOOD I|U GHQ YlUGHSDSSHUVU|UHOVH VRP GULYV

VRP VLGRYHUNVDPKHW WLOO I|UVlNULQJVGLVWULEXWLRQHQ $WW GHW HQOLJW I|UVODJHW

L GHQQD SURPHPRULD DQJHV L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ DWW

EHVWlPPHOVHUQD L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ VND JlOOD L WLOOlPS

OLJD GHODU W\GOLJJ|U DWW GHW YLG WLOOlPSQLQJHQ DY GHVVD EHVWlPPHOVHU

PnVWH J|UDV YLVVD PLQGUH DQSDVVQLQJDU VRP I|UDQOHGV DY EHJUHSSV

VNLOOQDGHU L GH ROLND ODJDUQD

1lU GHW JlOOHU GH \WWHUOLJDUH NUDY VRP XSSVWlOOV L DUWLNHO L 0L),' ,,

NUDY Sn GHQ VRP XWVHU DQNQXWQD RPEXG RFK NUDY Sn LQYHVWHUDUVN\GG

J|UV I|OMDQGH |YHUYlJDQGHQ , NDS ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ

ILQQV EHVWlPPHOVHU RP DQNQXWQD RPEXG (QOLJW JlOODQGH UlWW InU HQGDVW

opaginerad ULQJVI|UPHGODUH Kontrollera mot PDF

HWW VYHQVNW YlUGHSDSSHUVLQVWLWXW HOOHU HWW XWOlQGVNW YlUGHSDSSHUVI|UHWDJ VRP K|U KHPPD LQRP ((6 XWVH HWW DQNQXWHW RPEXG NDS † VH lYHQ GHILQLWLRQHQ DY DQNQXWHW RPEXG L NDS † 0RW EDNJUXQG DY GHW I|UHVODJQD VLGRWLOOVWnQGHWV NDUDNWlU VRP SUlJODV VWDUNW DY DWW GHW XWJ|U HWW XQGDQWDJ IUnQ I|UKnOODQGHYLV OnQJWJnHQGH NUDY VRP XSSVWlOOV I|U GHQ SHUVRQ VRP VND YDUD YlUGHSDSSHUVLQVWLWXW HQOLJW ODJHQ RP YlUGHSDSSHUV PDUNQDGHQ VNXOOH GHW I|UD I|U OnQJW DWW PHGJH DWW lYHQ I|UVlNULQJV I|UPHGODUH VRP KDU VLGRWLOOVWnQG VNXOOH JHV UlWW DWW XWVH DQNQXWQD RPEXG $Y GHQQD DQOHGQLQJ DNWXDOLVHUDV LQWH NUDYHQ DYVHHQGH DQNQXWQD RPEXG DUWLNHO I|U I|UVlNULQJVI|UPHGODUH PHG VLGRWLOOVWnQG

.UDYHW Sn LQYHVWHUDUVN\GG E\JJHU Sn GLUHNWLYHW (* DY GHQ PDUV RP V\VWHP I|U HUVlWWQLQJ WLOO LQYHVWHUDUH 'LUHNWLYHW lU JHQRPI|UW L VYHQVN UlWW JHQRP ODJHQ RP LQYHVWHUDUVN\GG ,QYHVWHUDU VN\GGHW lU WlQNW DWW WUlGD LQ RP HWW YlUGHSDSSHUVLQVWLWXW I|UVlWWV L NRQNXUV HOOHU RP HQ XWOlQGVN P\QGLJKHW I|UNODUDU DWW ILQDQVLHOOD LQVWUXPHQW RFK OLNYLGD PHGHO lU LQGLVSRQLEOD RFK LQYHVWHUDUHQ LQWH NDQ In WLOOEDND VLQD WLOOJnQJDU ,QYHVWHUDUH KDU QRUPDOW VHSDUDWLRQVUlWW WLOO VLQD WLOOJnQJDU RP LQVWLWXWHW JnU L NRQNXUV RFK GHW lU HQGDVW QlU VHSDUDWLRQVUlWW LQWH I|UHOLJJHU VRP LQYHVWHUDUVN\GGHW DNWXDOLVHUDV 8WIRUPQLQJHQ DY I|UHYDUDQGH VLGRWLOOVWnQG LQQHElU VRP IUDPJnU RYDQ DWW XQGDQWDJHW L 0L),' ,, XWQ\WWMDV L PHU EHJUlQVDG RPIDWWQLQJ lQ WLGLJDUH Gn HQGDVW LQYHVWHULQJVWMlQVWHQ LQYHVWHULQJVUnGJLYQLQJ InU XWI|UDV PHG VW|G DY WLOOVWnQGHW 0HG EHDNWDQGH DY GHWWD RFK Gn I|UVlNULQJVI|UPHGODUH PHG VLGRWLOOVWnQG LQWH InU LQQHKD NXQGPHGHO HOOHU NXQGHUV YlUGHSDSSHU RFK GlUI|U LQWH YLG QnJRQ WLGSXQNW InU VWn L VNXOG WLOO VLQD NXQGHU J|UV EHG|PQLQJHQ DWW HQ VLWXDWLRQ GlU LQYHVWHUDUVN\GGHW VNXOOH NXQQD DNWXDOLVHUDV DOGULJ NDQ XSSVWn 9LG GHQQD EHG|PQLQJ InU LQWH KHOOHU GHW VRP DQJHV L DUWLNHO WUHGMH VW\FNHW L 0L),' ,, QnJRQ EHW\GHOVH 'HW VDJGD LQQHElU DWW HWW JHQRPI|UDQGH DY DUWLNHO DQGUD RFK WUHGMH VW\FNHQD L 0L),' ,, LQWH NUlYHU QnJRQ ODJVWLIWQLQJVnWJlUG

'H EHVWlPPHOVHU L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ VRP L VYHQVN UlWW PRWVYDUDU GH UHJOHU VRP HQOLJW 0L),' ,, DUWLNHO nWPLQVWRQH VND JlOOD I|U VnGDQ YHUNVDPKHW VRP InU GULYDV QlU HQ PHGOHPVVWDW KDU YDOW DWW XWQ\WWMD P|MOLJKHWHQ WLOO XQGDQWDJ L GLUHNWLYHW E|U VnOHGHV VRP XWJnQJV SXQNW JlOOD L WLOOlPSOLJD GHODU I|U I|UVlNULQJVI|UPHGODUH VRP GULYHU YlUGHSDSSHUVU|UHOVH PHG VW|G DY VLGRWLOOVWnQG NDS RFK †† NDS ± †† NDS ± †† NDS † NDS ± †† NDS †† RFK NDS † VH SURS V ± %HVWlPPHOVHUQD L NDS ± †† L GHQ ODJHQ E|U GRFN XQGDQWDV IUnQ WLOOlPSQLQJ Sn I|UVlNULQJVI|UPHGODUHV VLGR YHUNVDPKHW Gn GHVVD LQWH lU WLOOlPSOLJD YLG LQYHVWHULQJVUnGJLYQLQJ 3n PRWVYDUDQGH VlWW VRP JlOOHU I|U I|UVlNULQJVI|UHWDJ VRP EHGULYHU LQYHVWHULQJVUnGJLYQLQJ HOOHU SRUWI|OMI|UYDOWQLQJ E|U EHVWlPPHOVHQ L NDS † ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ WLOOlPSDV Sn I|UVlNULQJV I|UPHGODUHV VLGRYHUNVDPKHW lYHQ RP GHWWD LQWH XWJ|U HWW NUDY HQOLJW 0L),' ,,

'lUXW|YHU E|U lYHQ PRWVYDUDQGH EHVWlPPHOVHU L ODJHQ RP YlUGHSDS SHUVPDUNQDGHQ VRP L GDJ JlOOHU I|U I|UVlNULQJVI|UPHGODUH JlOOD L WLOOlPS OLJD GHODU NDS ± RFK NDS RFK †† ODJHQ RP YlUGH SDSSHUVPDUNQDGHQ L O\GHOVHQ HQOLJW I|UVODJHW L VDPPD SURS

opaginerad Följdändringar och bemyndiganden Kontrollera mot PDF

6OXWOLJHQ E|U lYHQ EHVWlPPHOVHUQD RP NXQVNDS RFK NRPSHWHQV GH JHQHUHOOD UHJOHUQD RP HUVlWWQLQJDU WLOO HOOHU IUnQ WUHGMHSDUW RFK RP LQGHOQLQJ DY NXQGHU L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ NDS † RFK NDS ± RFK †† L O\GHOVHQ HQOLJW I|UVODJHW L VDPPD SURS JlOOD L WLOOlPSOLJD GHODU

Följdändringar och bemyndiganden

)|U DWW VDPPD NRQVXPHQWVN\GG VND NXQQD XSSQnV L GHQ QX DNWXHOOD VLGR YHUNVDPKHWHQ E|U I|UHVNULIWHU Sn OlJUH QLYn lQ ODJ RFK VRP JlOOHU I|U YlUGHSDSSHUVLQVWLWXW PHG PRWVYDUDQGH YHUNVDPKHW JlOOD lYHQ I|U EHU|UGD I|UVlNULQJVI|UPHGODUH 'HWWD E|U XSSQnV JHQRP DWW HWW EHP\Q GLJDQGH I|U UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJ EHVWlPPHU InU PHGGHOD I|UHVNULIWHU RP YLOND nWJlUGHU HQ I|UVlNULQJVI|UPHGODUH VND YLGWD I|U DWW XSSI\OOD GH NUDY VRP I|OMHU DY † 'HW InU I|UXWVlWWDV DWW GHVVD I|UHVNULIWHU WLOO VLWW LQQHKnOO NRPPHU DWW XSSYLVD VWRU OLNKHW PHG PRWVYDUDQGH I|UHVNULIWHU VRP KDU PHGGHODWV PHG VW|G DY EHP\QGLJDQGHQ L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ

'H UHJOHU VRP I|UVlNULQJVI|UPHGODUH PHG VLGRWLOOVWnQG VND I|OMD QlU GH XWI|U LQYHVWHULQJVUnGJLYQLQJ NRPSOHWWHUDV DY GHWDOMHUDGH UHJOHU L GHW GHOHJHUDGH GLUHNWLYHW WLOO 0L),' ,, RFK GHQ GHOHJHUDGH I|URUGQLQJHQ WLOO 0L),' ,, $YVLNWHQ lU DWW GHVVD UHJOHU lYHQ VND WLOOlPSDV Sn I|UVlNULQJV I|UPHGODUH 5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU E|U GlUI|U In PHGGHOD I|UHVNULIWHU VRP J|U GHW P|MOLJW DWW WLOOlPSD GHVVD UHJOHU lYHQ Sn I|UVlNULQJVI|UPHGODUH PHG VLGRWLOOVWnQG 6nGDQD I|UH VNULIWHU EHG|PV YDUD P|MOLJD DWW PHGGHOD PHG VW|G DY EHP\QGLJDQGHW VRP EHVNULYV L VW\FNHW RYDQ

, ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ ILQQV L GDJ YLVVD KlQYLVQLQJDU WLOO ODJHQ RP I|UVlNULQJVI|UPHGOLQJ NDS † RFK NDS † 'H KlQYLV QLQJDUQD E|U HUVlWWDV PHG KlQYLVQLQJDU WLOO PRWVYDUDQGH EHVWlPPHOVHU L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

6ND LQYHVWHULQJVUnGJLYQLQJ RP SUHPLHSHQVLRQ PHG VLGRWLOOVWnQG YDUD WLOOnWHQ"

3URPHPRULDQV EHG|PQLQJ 'HW VDNQDV WLOOUlFNOLJD VNlO DWW WLOOnWD DWW HQ I|UVlNULQJVI|UPHGODUH PHG VW|G DY HWW VlUVNLOW WLOOVWnQG VLGRWLOO VWnQG InU OlPQD LQYHVWHULQJVUnGJLYQLQJ RP IRQGDQGHODU VRP VND LQJn VRP WLOOJnQJDU L SUHPLHSHQVLRQVV\VWHPHW

6NlOHQ I|U SURPHPRULDQV EHG|PQLQJ , SURSRVLWLRQHQ 1\D UHJOHU RP PDUNQDGHU I|U ILQDQVLHOOD LQVWUXPHQW 0L),' ,, RFK 0L),5 J|UV EHG|PQLQJHQ DWW UnGJLYQLQJ VRP DYVHU ILQDQVLHOOD LQVWUXPHQW VRP LQJnU L SUHPLHSHQVLRQVV\VWHPHW XWJ|U LQYHVWHULQJVUnGJLYQLQJ HQOLJW 0L),' ,, V 'HW LQQHElU HQ lQGULQJ L I|UKnOODQGH WLOO KXU VnGDQ UnGJLYQLQJ EHG|PV HQOLJW )LQDQVLQVSHNWLRQHQV QXYDUDQGH SUD[LV 'HW VLGRWLOOVWnQG VRP I|UHVOnV L DYVQLWW L GHQQD SURPHPRULD lU EHJUlQVDW WLOO LQYHVWH ULQJVUnGJLYQLQJ RP IRQGDQGHODU VRP VND LQJn L HQ I|UVlNULQJ

3UHPLHSHQVLRQHQ lU HQ GHO DY GHQ DOOPlQQD SHQVLRQHQ RFK LQEHJULSV LQWH L WMlQVWHSHQVLRQ HOOHU DQQDQ SULYDW I|UVlNULQJ ,QYHVWHULQJVUnGJLYQLQJ RP IRQGDQGHODU VRP VND LQJn L SUHPLHSHQVLRQVV\VWHPHW InU DOOWVn LQWH VNH

opaginerad $WW GHW L HQOLJKHW PHG GHW VRP DQI|UV L SURS NRPPHU DWW Kontrollera mot PDF

PHG HWW VnGDQW VLGRWLOOVWnQG VRP I|UHVOnV RYDQ )|U DWW In XWI|UD LQYHVWHULQJVUnGJLYQLQJ RP VnGDQD IRQGDQGHODU NRPPHU GHW DOOWVn NUlYDV WLOOVWnQG I|U YlUGHSDSSHUVU|UHOVH HQOLJW ODJHQ RP YlUGHSDSSHUVPDUN QDGHQ 6RP DQI|UV L DYVQLWW HIWHUVWUlYDV DWW XSSQn HQ OLNDUWDG UHJOHULQJ I|U DOOD DNW|UHU VRP XWI|U UnGJLYQLQJ Sn ILQDQVPDUNQDGV RPUnGHW )|U HQ NXQG VND GHW LQWH VSHOD QnJRQ UROO YLONHQ W\S DY I|UHWDJ GHW lU VRP XWI|U UnGJLYQLQJHQ HOOHU YLONHQ W\S DY GLVWULEXWLRQVPRGHOO VRP DQYlQGV 8WJnQJVSXQNWHQ lU DWW Qn HQ EDODQVHUDG O|VQLQJ VRP J\QQDU EUD UnGJLYQLQJ WLOO NXQGHU VDPWLGLJW VRP KXVKnOOHQV EHKRY DY WLOOJnQJ WLOO ILQDQVLHOOD WMlQVWHU WLOOJRGRVHV .XQGVN\GGHW VND YDUD OLNYlUGLJW RDYVHWW YLONHQ W\S DY UnGJLYDUH VRP HQ NXQG WUlIIDU 6DPWLGLJW lU GHW YLNWLJW DWW UHJOHUQD lU SURSRUWLRQHUOLJD RFK EHDNWDU GH ROLNKHWHU VRP ILQQV QlU GHW JlOOHU SURGXNWHU RFK PDUNQDGHU VH VDPPD SURS V I 7LOO VNLOOQDG IUnQ YDG VRP JlOOHU LQYHVWHULQJVUnGJLYQLQJ RP IRQGDQGHODU VRP VND LQJn L HQ I|UVlNULQJ lU GHW KlU LQWH IUnJD RP YHUNVDPKHW VRP KDU HWW QlUD VDPEDQG PHG I|UVlNULQJVGLVWULEXWLRQ

, EHWlQNDQGHW )RNXV 3UHPLHSHQVLRQ 628 UHGRJ|U nUV SUHPLHSHQVLRQVXWUHGQLQJ I|U V N SUHPLHSHQVLRQVWMlQVWHU 0HG VnGDQD DYVHV ROLND WMlQVWHU LQIRUPDWLRQ PDUNQDGVI|ULQJ RFK UnGJLYQLQJ VRP DYVHU SUHPLHSHQVLRQVVSDUDQGH RFK VRP WLOOKDQGDKnOOV DY DQGUD lQ 3HQVLRQVP\QGLJKHWHQ , EHWlQNDQGHW I|U XWUHGQLQJHQ HWW UHVRQHPDQJ NULQJ RP GHVVD SUHPLHSHQVLRQVWMlQVWHU EHK|YV HOOHU ERUGH EHK|YDV 8WUHGQLQJHQ J|U EHG|PQLQJHQ DWW GHW E|U WLOOVlWWDV HQ VlUVNLOG XWUHGQLQJ VRP InU L XSSGUDJ DWW WLWWD Sn IUnJRUQD RP L YLONHQ XWVWUlFNQLQJ GH ROLND V N U|UHOVHUlWWVOLJD UHJOHUQD I|U ROLND DNW|UHU Sn GHW ILQDQVLHOOD RPUnGHW lU GLUHNW ± HOOHU DQDORJW ± WLOOlPSOLJD Sn GHW VRP NDOODV SUHPLHSHQVLRQV WMlQVWHU RFK RP GHW ILQQV EHKRY DY HWW PHU OnQJWJnHQGH VN\GG lQ GHW VRP JHV PHG HQ WLOOlPSQLQJ DY GHVVD UHJOHU VH VDPPD EHW V ± 8WUHGQLQJHQV I|UVODJ lU I|U QlUYDUDQGH I|UHPnO I|U EHUHGQLQJ L 5HJHULQJVNDQVOLHW

, EHWlQNDQGHW UHGRJ|U XWUHGQLQJHQ lYHQ I|U YLVVD SUREOHP Sn PDUNQDGHQ I|U GHVVD SUHPLHSHQVLRQVWMlQVWHU 3UREOHPHQ U|U KXYXG VDNOLJHQ DWW PnQJD NXQGHU XSSOHYHU PDUNQDGVI|ULQJVPHWRGHU NULQJ SUHPLHSHQVLRQ VRP YLOVHOHGDQGH SnWUlQJDQGH RFK DJJUHVVLYD 'HW IUDP JnU lYHQ DWW NODJRPnOHQ Sn GH V N I|UYDOWQLQJVI|UHWDJHQ LQRP SUHPLH SHQVLRQHQ KDU PHU lQ I|UGXEEODWV PHOODQ RFK VH VDPPD EHW V I RFK 3HQVLRQVP\QGLJKHWHQV UDSSRUW )|UYDOWQLQJVWMlQVWHU LQRP SUHPLHSHQVLRQHQ >3,' VHSWHPEHU @ 'HW KDU lYHQ I|UH NRPPLW SUREOHP PHG LQWUHVVHNRQIOLNWHU RFK EULVWDQGH LQIRUPDWLRQV JLYQLQJ VRP J|U GHW P|MOLJW I|U NXQGHQ DWW I|UVWn YDG WMlQVWHQ JnU XW Sn 'H NDUWOlJJQLQJDU VRP 3HQVLRQVP\QGLJKHWHQ KDU JMRUW DY WMlQVWHUQD JHU VW|G I|U DWW GHW ILQQV HQ UDG WYHNVDPKHWHU NULQJ KXU GHVVD WMlQVWHU HUEMXGV RFK XWI|UV VH EHWlQNDQGHW 'HW PnVWH Jn DWW OLWD Sn NRQVXPHQWVN\GGHW >628 V I @ 'HW KDU lYHQ IUDPNRPPLW DWW NXQGHU L YLVVD IDOO IHODNWLJW KDU InWW XSSIDWWQLQJHQ DWW I|UHWDJ VRP WLOOKDQGDKnOOHU I|UYDOW QLQJVWMlQVWHU VNXOOH KD HWW VDPDUEHWH PHG 3HQVLRQVP\QGLJKHWHQ HOOHU DWW GHW XSSWUlGHU Sn P\QGLJKHWHQV XSSGUDJ , EHWlQNDQGHW 'HW PnVWH Jn DWW OLWD Sn NRQVXPHQWVN\GGHW UHGRJ|UV GHW lYHQ I|U \WWHUOLJDUH SUREOHP Sn PDUNQDGHQ NULQJ SUHPLHSHQVLRQVWMlQVWHU V ±

$WW GHW L HQOLJKHW PHG GHW VRP DQI|UV L SURS NRPPHU DWW

NUlYDV WLOOVWnQG I|U YlUGHSDSSHUVU|UHOVH I|U DWW In XWI|UD LQYHVWHULQJV

opaginerad $WW GHW L HQOLJKHW PHG GHW VRP DQI|UV L SURS NRPPHU DWW Kontrollera mot PDF

UnGJLYQLQJ RP IRQGDQGHODU VRP LQJnU VRP WLOOJnQJDU L SUHPLHSHQVLRQV

V\VWHPHW PHGI|U HQ EHW\GDQGH LQVNUlQNQLQJ I|U PDUNQDGHQ 'HQ O|VQLQJ

VRP I|UHVOnV PnVWH YDUD EDODQVHUDG RFK J\QQD EUD UnGJLYQLQJ WLOO NXQGHU

VDPWLGLJW VRP KXVKnOOHQV EHKRY DY WLOOJnQJ WLOO ILQDQVLHOOD WMlQVWHU WLOO

JRGRVHV $WW HQGDVW DNW|UHU VRP KDU WLOOVWnQG I|U YlUGHSDSSHUVU|UHOVH InU

XWI|UD LQYHVWHULQJVUnGJLYQLQJ PHGI|U HQ ULVN I|U NRQFHQWUDWLRQVSUREOHP L

RFK PHG DWW VPn DNW|UHU ULVNHUDU DWW VOnV XW IUnQ PDUNQDGHQ RFK NDQ OHGD

WLOO HQ JHRJUDILVN VQHGYULGQLQJ 6DPWLGLJW PnVWH EHKRYHW DY NXQGVN\GG

KD HQ VlUVNLOW IUDPWUlGDQGH SRVLWLRQ L OMXVHW DY GH SUREOHP Sn PDUNQDGHQ

VRP UHGRYLVDV RYDQ

'HW Q\D UHJHOYHUN VRP I|OMHU DY JHQRPI|UDQGHW L VYHQVN UlWW 0L),' ,,

LQQHElU L VLJ HWW I|UVWlUNW NXQGVN\GG MlPI|UW PHG L GDJ 5HJOHUQD RP

I|UEXG PRW HUVlWWQLQJ WLOO RFK IUnQ WUHGMHSDUW E|U XWHVOXWD GHQ W\S DY

HUVlWWQLQJDU VRP LQWH lU L NXQGHQV LQWUHVVH RFK GlUPHG EHJUlQVD GH

SUREOHP PHG LQWUHVVHNRQIOLNWHU VRP KDU I|UHNRPPLW Sn GHQ VYHQVND

PDUNQDGHQ L VDPEDQG PHG EO D LQYHVWHULQJVUnGJLYQLQJ , QlPQGD

SURSRVLWLRQ I|UHVOnV GHVVXWRP DWW P|MOLJKHWHQ L 0L),' ,, DWW L XQGDQ

WDJVIDOO Jn OlQJUH RFK LQI|UD \WWHUOLJDUH NUDY XWQ\WWMDV JHQRP DWW GHW L

VYHQVN UlWW LQI|UV K|JUH VWlOOGD NUDY Sn GHP VRP WLOOKDQGDKnOOHU

LQYHVWHULQJVUnGJLYQLQJ Sn REHURHQGH JUXQG 'HW LQQHElU DWW HWW YlUGH

SDSSHUVLQVWLWXW VRP KDU LQIRUPHUDW NXQGHQ RP DWW LQYHVWHULQJV

UnGJLYQLQJHQ OlPQDV Sn REHURHQGH JUXQG L GHQ YHUNVDPKHWHQ InU OlPQD

UnG HQEDUW RP ILQDQVLHOOD LQVWUXPHQW VRP lU XWJLYQD XWIlUGDGH HOOHU

WLOOKDQGDKnOOQD DY QnJRQ DQQDQ lQ LQVWLWXWHW VMlOYW HOOHU I|UHWDJ VRP

LQVWLWXWHW KDU QlUD I|UELQGHOVHU PHG 'HVVXWRP PnVWH LQVWLWXWHW J|UD HQ

EHG|PQLQJ DY HWW WLOOUlFNOLJW VWRUW RFK GLYHUVLILHUDW XUYDO DY ILQDQVLHOOD

LQVWUXPHQW I|U DWW WLOOJRGRVH NXQGHQV LQYHVWHULQJVPnO *HQRP DWW

LQVNUlQND P|MOLJKHWHQ WLOO LQYHVWHULQJVUnGJLYQLQJ Sn REHURHQGH JUXQG Vn

DWW GHQ WMlQVWHQ LQWH RPIDWWDU ILQDQVLHOOD LQVWUXPHQW VRP LQVWLWXWHW HOOHU HWW

QlUVWnHQGH I|UHWDJ JHU XW PLQVNDU ULVNHQ \WWHUOLJDUH I|U LQWUHVVHNRQIOLNWHU

RFK NXQGVN\GGHW VWlUNV L K|JUH JUDG VH SURS V

1lU GHW JlOOHU EHKRYHW DY NXQGVN\GG YLG LQYHVWHULQJVUnGJLYQLQJ RP

SUHPLHSHQVLRQ NDQ GHWWD VnOHGHV EHDNWDV JHQRP GHOV GH I|UlQGULQJDU DY

UHJOHUQD VRP I|OMHU DY JHQRPI|UDQGHW DY 0L),' ,, GHOV RP GHW VWlOOV XSS

HWW NUDY Sn DWW VnGDQ LQYHVWHULQJVUnGJLYQLQJ HQGDVW InU VNH Sn REHURHQGH

JUXQG 0RW EDNJUXQG DY GH RPIDWWDQGH SUREOHP VRP ILQQV Sn PDUNQDGHQ

I|U SUHPLHSHQVLRQVWMlQVWHU InU GHVVD nWJlUGHU HPHOOHUWLG LQWH DQVHV WLOO

UlFNOLJD I|U DWW WLOOJRGRVH GHW HIWHUVWUlYDGH NXQGVN\GGHW 'HW VDNQDV

VnOHGHV |YHUYlJDQGH VNlO DWW WLOOnWD DWW HQ I|UVlNULQJVI|UPHGODUH PHG VW|G

DY HWW VLGRWLOOVWnQG VND In OlPQD LQYHVWHULQJVUnGJLYQLQJ RP IRQGDQGHODU

VRP VND LQJn VRP WLOOJnQJDU L SUHPLHSHQVLRQVV\VWHPHW

opaginerad 9HUNVDPKHW |YHU JUlQVHUQD Kontrollera mot PDF

9HUNVDPKHW |YHU JUlQVHUQD

,QOHGQLQJ

Gällande rätt

8WOlQGVND I|UVlNULQJVI|UPHGODUH VRP KDU VLQ KHPYLVW LQRP ((6 InU XQGHU YLVVD I|UXWVlWWQLQJDU XW|YD I|UVlNULQJVI|UPHGOLQJ XWDQ WLOOVWnQG DY )LQDQVLQVSHNWLRQHQ NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ 'HW I|UXWVlWWHU DWW )LQDQVLQVSHNWLRQHQ KDU InWW HQ XQGHUUlWWHOVH RP DWW I|UVlNULQJVI|UPHGODUHQ DYVHU DWW XW|YD VnGDQ YHUNVDPKHW IUnQ HQ EHK|ULJ P\QGLJKHW L I|UVlNULQJVI|UPHGODUHQV KHPODQG ,QRP ((6 WLOOlPSDV SULQFLSHQ RP KHPODQGVWLOOV\Q YLONHQ RFNVn lU YDQOLJW I|UHNRPPDQGH L |YULJW Sn ILQDQVPDUNQDGVRPUnGHW +HPODQGVWLOOV\Q LQQHElU DWW GH EHK|ULJD P\QGLJKHWHUQD L I|UPHGODUHQV KHPODQG KDU KXYXGDQVYDUHW I|U WLOOV\QHQ DY I|UVlNULQJVI|UPHGODUHQ REHURHQGH DY YDU LQRP ((6 VRP YHUNVDPKHWHQ EHGULYV

'H XWOlQGVND I|UVlNULQJVI|UPHGODUH YDUV KHPODQG LQWH K|U WLOO ((6 InU XW|YD I|UVlNULQJVI|UPHGOLQJ IUnQ ILOLDO L 6YHULJH HIWHU WLOOVWnQG DY )LQDQV LQVSHNWLRQHQ NDS † VDPPD ODJ

)|U QlUYDUDQGH XW|YDU GU\JW XWOlQGVND I|UVlNULQJVI|UPHGODUH YHUNVDPKHW L 6YHULJH JHQRP JUlQV|YHUVNULGDQGH YHUNVDPKHW IUnQ VLWW KHPODQG RFK JHQRP ILOLDO L 6YHULJH XSSJLIW IUnQ )LQDQVLQVSHNWLRQHQV I|UHWDJVUHJLVWHU GHQ DSULO

/DJHQ RP I|UVlNULQJVI|UPHGOLQJ LQQHKnOOHU lYHQ EHVWlPPHOVHU RP VYHQVND I|UVlNULQJVI|UPHGODUH VRP YLOO XW|YD I|UVlNULQJVI|UPHGOLQJ JHQRP JUlQV|YHUVNULGDQGH YHUNVDPKHW HOOHU JHQRP ILOLDO L DQQDW ODQG LQRP ((6 NDS

Försäkringsdistributionsdirektivet

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW VND WLOOlPSDV Sn LQOHGDQGH RFK EHGULY DQGH DY I|UVlNULQJVGLVWULEXWLRQ L XQLRQHQ DUWLNHO 'LUHNWLYHW JlOOHU I\VLVND HOOHU MXULGLVND SHUVRQHU VRP lU HWDEOHUDGH L HQ PHGOHPVVWDW HOOHU VRP |QVNDU HWDEOHUD VLJ GlU I|U DWW LQOHGD HOOHU EHGULYD GLVWULEXWLRQ DY I|UVlNULQJVSURGXNWHU DUWLNHO 'LUHNWLYHW VND LQWH WLOOlPSDV Sn I|UVlNULQJVGLVWULEXWLRQVYHUNVDPKHW VRP XW|YDV I|U ULVNHU RFK nWDJDQGHQ XWDQI|U XQLRQHQ DUWLNHO 'LUHNWLYHW VWlOOHU XSS NUDY Sn DWW VDPWOLJD VRP XW|YDU HOOHU KDU UlWW DWW XW|YD I|UVlNULQJVGLVWULEXWLRQVYHUNVDPKHW L HQ PHGOHPVVWDW VND EHKDQGODV OLND YLONHW LQQHElU DWW I|UPHGODUH VRP lU HWDEOHUDGH L WUHGMHODQG PHQ VRP XW|YDU YHUNVDPKHW LQRP XQLRQHQ PnVWH EHKDQGODV OLND 'HW DQJHV lYHQ DWW JHQRP GLUHNWLYHW UHJOHUDV LQWH I|UVlNULQJVGLVWULEXWLRQVYHUNVDPKHW L WUHGMHODQG 0HGOHPVVWDWHUQD nOlJJV DWW XQGHUUlWWD NRPPLVVLRQHQ RP DOOD VYnULJKHWHU DY DOOPlQ QDWXU VRP GHUDV I|UVlNULQJVGLVWULEXW|UHU P|WHU YLG HWDEOHULQJ HOOHU EHGULYDQGH DY I|UVlNULQJVGLVWULEXWLRQVYHUNVDPKHW L WUHGMHOlQGHU

(Q I|UVlNULQJVI|UPHGODUH VND UHJLVWUHUDV L VLQ KHPPHGOHPVVWDW YLG HQ EHK|ULJ P\QGLJKHW DUWLNHO DUWLNHO LQQHKnOOHU HQ GHILQLWLRQ DY KHPPHGOHPVVWDW

, GLUHNWLYHW ILQQV UHJOHU RP JUlQV|YHUVNULGDQGH YHUNVDPKHW RFK ILOLDOHWDEOHULQJ I|U I|UVlNULQJVI|UPHGODUH IUnQ DQGUD PHGOHPVVWDWHU LQRP

opaginerad 8WOlQGVND I|UVlNULQJVI|UPHGODUHV YHUNVDPKHW L 6YHULJH Kontrollera mot PDF

XQLRQHQ DUWLNODUQD RFK 'LUHNWLYHW LQQHKnOOHU HQ XWWU\FNOLJ UHJOHULQJ DY YLOND XSSJLIWHU VRP VND OlPQDV L GHQ XQGHUUlWWHOVH RP DYVLNW DWW XW|YD I|UVlNULQJVI|UPHGOLQJ L HQ DQQDQ PHGOHPVVWDW VRP VND OlPQDV WLOO GHQ EHK|ULJD P\QGLJKHWHQ KHPPHGOHPVVWDWHQ 'LUHNWLYHW LQQHKnOOHU lYHQ YLVVD I|UIDUDQGHUHJOHU VRP VND LDNWWDV QlU HQ I|UVlNULQJVI|UPHGODUH KDU I|U DYVLNW DWW LQUlWWD HQ ILOLDO HOOHU HUEMXGD RFK WLOOKDQGDKnOOD WMlQVWHU L HQ DQQDQ PHGOHPVVWDW DUWLNODUQD RFK RFK

6OXWOLJHQ I|UHVNULYV HQ VN\OGLJKHW I|U I|UVlNULQJVI|UPHGODUH IUnQ DQGUD PHGOHPVVWDWHU DWW DQPlOD lQGULQJDU DY GH XSSJLIWHU VRP OlPQDWV L HQ XQGHUUlWWHOVH RP DYVLNW DWW LQUlWWD ILOLDO HOOHU HUEMXGD RFK WLOOKDQGDKnOOD WMlQVWHU DUWLNODUQD RFK

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW ULNWDU VLJ WLOO PHGOHPVVWDWHUQD L (8 DUWLNHO PHQ GHW InU I|UXWVlWWDV DWW GHW GLUHNWLYHW OLNVRP I|UVlNULQJV I|UPHGOLQJVGLUHNWLYHW VND NRPPD DWW EOL JlOODQGH lYHQ L I|UKnOODQGH WLOO OlQGHU LQRP ((6 VH DYVQLWW I|U |YHUJnQJVUHJOHULQJ RP WLOOlPSQLQJ L I|UKnOODQGH WLOO YLVVD OlQGHU LQRP ((6 , UXEULNHQ WLOO I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW DQJHV GHVVXWRP DWW GHQQD WH[W lU DY EHW\GHOVH I|U ((6 9LG JHQRPI|UDQGHW DY I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW L VYHQVN UlWW E|U KlQV\Q WDV WLOO GHQQD I|UXWVlWWQLQJ , GHW I|OMDQGH NRPPHU GlUI|U EHQlPQLQJHQ ((6 DWW DQYlQGDV RFK E|U Gn OLNVWlOODV PHG (8 $Y VDPPD VNlO MXVWHUDV lYHQ EHJUHSSHQ KHPPHGOHPVVWDW RFK YlUGPHGOHPVVWDW WLOO KHPODQG RFK YlUGODQG I|U DWW ElWWUH VSHJOD DWW GLUHNWLYHW lU JlOODQGH L I|UKnOODQGH WLOO OlQGHU LQRP ((6

8WOlQGVND I|UVlNULQJVI|UPHGODUHV YHUNVDPKHW L 6YHULJH

)|UVlNULQJVI|UPHGODUH YDUV KHPODQG K|U WLOO ((6

3URPHPRULDQV I|UVODJ (Q I|UVlNULQJVI|UPHGODUH YDUV KHPODQG K|U WLOO ((6 InU EHGULYD I|UVlNULQJVGLVWULEXWLRQ JHQRP DWW HUEMXGD RFK WLOOKDQGDKnOOD WMlQVWHU L 6YHULJH XWDQ DWW LQUlWWD ILOLDO KlU L ODQGHW )|UVlNULQJVI|UPHGODUHQ InU E|UMD HUEMXGD RFK WLOOKDQGDKnOOD WMlQVWHU IUnQ VLWW KHPODQG Vn VQDUW )LQDQVLQVSHNWLRQHQ EOLYLW XQGHUUlWWDG RP GHWWD DY HQ EHK|ULJ P\QGLJKHW L GHW ODQGHW

(Q I|UVlNULQJVI|UPHGODUH YDUV KHPODQG K|U WLOO ((6 InU EHGULYD I|UVlNULQJVGLVWULEXWLRQ IUnQ HQ ILOLDO HOOHU SHUPDQHQW QlUYDUR L 6YHULJH PHG E|UMDQ HQ PnQDG HIWHU GHW DWW )LQDQVLQVSHNWLRQHQ KDU WDJLW HPRW HQ XQGHUUlWWHOVH RP GHQQHV DYVLNW DWW EHGULYD I|UVlNULQJVGLVWULEXWLRQ L 6YHULJH IUnQ HQ EHK|ULJ P\QGLJKHW L I|UPHGODUHQV KHPODQG HOOHU GHVVI|ULQQDQ RP )LQDQVLQVSHNWLRQHQ WLOOnWHU GHW

, ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ VND DQJHV YLOND XSSJLIWHU VRP XQGHUUlWWHOVHU RP DWW EHGULYD I|UVlNULQJVGLVWULEXWLRQ KlU L ODQGHW VND LQQHKnOOD

)LQDQVLQVSHNWLRQHQ VND WLOOKDQGDKnOOD LQIRUPDWLRQ RP YLOND EHVWlPPHOVHU VRP VND JlOOD I|U ((6 I|UVlNULQJVI|UPHGODUH VRP EHGULYHU YHUNVDPKHW KlU L ODQGHW

opaginerad 6NlOHQ I|U SURPHPRULDQV I|UVODJ Kontrollera mot PDF

6NlOHQ I|U SURPHPRULDQV I|UVODJ

Direktivets territoriella tillämpningsområde

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW JlOOHU I|U I\VLVND RFK MXULGLVND SHUVRQHU VRP lU HWDEOHUDGH L HQ PHGOHPVVWDW HOOHU VRP |QVNDU HWDEOHUD VLJ GlU I|U DWW LQOHGD RFK EHGULYD GLVWULEXWLRQ DY I|UVlNULQJV RFK nWHUI|UVlN ULQJVSURGXNWHU DUWLNHO 'LUHNWLYHWV WHUULWRULHOOD WLOOlPSQLQJVRPUnGH DYJUlQVDV Sn WYn VlWW )|U GHW I|UVWD J|UV HQ nWVNLOOQDG PHOODQ I|UVlN ULQJVGLVWULEXWLRQ DY I|UVlNULQJDU VRP DYVHU ULVNHU RFK nWDJDQGHQ LQRP XQLRQHQ RFK VnGDQ GLVWULEXWLRQ DY I|UVlNULQJDU VRP DYVHU ULVNHU RFK nWDJDQGHQ XWDQI|U XQLRQHQ DUWLNHO )|U GHW DQGUD J|UV HQ nWVNLOOQDG PHOODQ I|UVlNULQJVGLVWULEXW|UHU VRP lU HWDEOHUDGH L HQ PHGOHPVVWDW RFK VnGDQD VRP lU HWDEOHUDGH L WUHGMHODQG GYV HWW ODQG XWDQI|U XQLRQHQ VH DUWLNHO RFK WUHGMH VW\FNHW

1lU GHW JlOOHU IUnJDQ RP WHUULWRULHOO DYJUlQVQLQJ DY GLUHNWLYHWV WLOOlPSQLQJVRPUnGH EHG|PV GHW LQWH I|UHOLJJD QnJRQ VNLOOQDG L I|U KnOODQGH WLOO GLUHNWLYHW RP I|UVlNULQJVI|UPHGOLQJ )|UVlNULQJVGLVWULEXWLRQ DQVHV VnOHGHV lJD UXP LQRP (8 RP ULVNHQ lU EHOlJHQ GlU HOOHU RP nWDJDQGHW J|UV GlU VH DUWLNHO G L UnGHWV DQGUD GLUHNWLY ((* DY GHQ MXQL RP VDPRUGQLQJ DY ODJDU RFK DQGUD I|UIDWWQLQJDU VRP DYVHU DQQDQ GLUHNW I|UVlNULQJ lQ OLYI|UVlNULQJ RFK PHG EHVWlPPHOVHU DYVHGGD DWW J|UD GHW OlWWDUH DWW HIIHNWLYW XW|YD IULKHWHQ DWW WLOOKDQGDKnOOD WMlQVWHU VDPW RP lQGULQJ DY GLUHNWLY ((* (* V DQGUD VNDGHI|UVlNULQJVGLUHNWLY VDPW DUWLNHO J L (* V OLYI|UVlNULQJVGLUHNWLY 'H DQJLYQD UHJOHUQD L GHVVD I|UVlNULQJVGLUHNWLY KDU JHQRPI|UWV L VYHQVN UlWW JHQRP ODJHQ RP XWOlQGVND I|UVlNULQJVJLYDUHV RFK WMlQVWHSHQVLRQVLQVWLWXWV YHUNVDPKHW L 6YHULJH NDS † VH lYHQ NDS RFK †† I|UVlNULQJVU|UHOVHODJHQ

1lU GHW JlOOHU IUnJDQ RP YDU HQ I|UVlNULQJVI|UPHGODUH lU HWDEOHUDG InU OHGQLQJ V|NDV L UHJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RP YDU HQ I|UVlNULQJVI|UPHGODUH VND UHJLVWUHUDV 'lU DQJHV DWW HQ I|UVlNULQJV I|UPHGODUH VND UHJLVWUHUDV L VLQ KHPPHGOHPVVWDW YLG HQ EHK|ULJ P\QGLJ KHW DUWLNHO 0HG KHPPHGOHPVVWDW DYVHV I|U I\VLVN SHUVRQ GHQ PHGOHPVVWDW GlU I|UPHGODUHQ KDU VLWW KHPYLVW RFK GULYHU VLQ YHUNVDPKHW VDPW I|U MXULGLVN SHUVRQ GHQ PHGOHPVVWDW GlU I|UPHGODUHQV VlWH lU EHOlJHW HOOHU RP I|UPHGODUHQ HQOLJW QDWLRQHOO ODJVWLIWQLQJ LQWH KDU QnJRW VlWH GHQ PHGOHPVVWDW GlU I|UPHGODUHQV KXYXGNRQWRU lU EHOlJHW DUWLNHO (Q I|UVlNULQJVI|UPHGODUH VND DQVHV YDUD HWDEOHUDG L HQ PHGOHPVVWDW GlU KDQ HOOHU KRQ VND UHJLVWUHUDV HQOLJW GLUHNWLYHW

Utövande av friheten att erbjuda och tillhandahålla tjänster

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW LQQHElU Sn VDPPD VlWW VRP GLUHNWLYHW RP I|UVlNULQJVI|UPHGOLQJ HQ UlWW I|U HQ ((6 I|UPHGODUH VRP K|U KHPPD L HWW DQQDW ODQG LQRP ((6 DWW EHGULYD I|UVlNULQJVGLVWULEXWLRQ JHQRP DWW HUEMXGD RFK WLOOKDQGDKnOOD WMlQVWHU L 6YHULJH V N JUlQV|YHUVNULGDQGH YHUNVDPKHW , GLUHNWLYHW ILQQV GHW I|UIDUDQGHUHJOHU VRP JlOOHU QlU HQ I|UVlNULQJVI|UPHGODUH |QVNDU EHGULYD I|UVlNULQJVGLVWULEXWLRQ JHQRP DWW HUEMXGD RFK WLOOKDQGDKnOOD WMlQVWHU L HWW DQQDW ODQG lQ VLWW KHPODQG DUWLNHO gYHUI|UGD Sn VYHQVND I|UKnOODQGHQ LQQHElU GH I|OMDQGH

'HQ ((6 I|UPHGODUH VRP YLOO EHGULYD I|UVlNULQJVGLVWULEXWLRQ L 6YHULJH

PnVWH I|UVW XQGHUUlWWD GHQ EHK|ULJD P\QGLJKHWHQ L VLWW KHPODQG RP VLQ

opaginerad Utövande av etableringsfriheten Kontrollera mot PDF

DYVLNW 'HQ JUlQV|YHUVNULGDQGH YHUNVDPKHWHQ InU VHGDQ SnE|UMDV Vn VQDUW )LQDQVLQVSHNWLRQHQ IUnQ GHQ EHK|ULJD P\QGLJKHWHQ L I|UVlNULQJV I|UPHGODUHQV KHPODQG KDU InWW XQGHUUlWWHOVHQ RP I|UVlNULQJVI|UPHG ODUHQV DYVLNW DWW LQOHGD YHUNVDPKHW KlU L ODQGHW )LQDQVLQVSHNWLRQHQ VND WLOO GHQ EHK|ULJD P\QGLJKHWHQ VQDUDVW EHNUlIWD PRWWDJDQGHW DY HQ VnGDQ XQGHUUlWWHOVH

'LUHNWLYHW NUlYHU LQWH DWW GHQ EHK|ULJD P\QGLJKHWHQ L YlUGODQGHW L GHWWD IDOO )LQDQVLQVSHNWLRQHQ VND LQIRUPHUD ((6 I|UVlNULQJVI|UPHGODUH VRP |QVNDU EHGULYD YHUNVDPKHW L YlUGODQGHW GLUHNW RP YLOND UHJOHU VRP JlOOHU I|U YHUNVDPKHWHQ KlU 'LUHNWLYHW I|UHVNULYHU L VWlOOHW HQ RUGQLQJ VRP LQQHElU DWW GH UHJOHUQD VND RIIHQWOLJJ|UDV Sn OlPSOLJW VlWW DUWLNHO RFK DWW GHQ DNWXHOOD ((6 I|UVlNULQJVI|UPHGODUHQ VND In LQIRUPDWLRQ RP GHVVD JHQRP KlQYLVQLQJ WLOO YDU GHVVD ILQQV WLOOJlQJOLJD <WWHUVW KDQGODU GHW RP DWW )LQDQVLQVSHNWLRQHQ VND WLOOKDQGDKnOOD LQIRUPDWLRQ RP GH EHVWlPPHOVHU VRP JlOOHU I|U ((6 I|UVlNULQJVI|UPHGODUHV YHUNVDPKHW L 6YHULJH JHQRP DWW RIIHQWOLJJ|UD GHP 'HW E|U GlUI|U DY W\GOLJKHWVVNlO WDV LQ HQ EHVWlPPHOVH L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ RP DWW )LQDQVLQVSHNWLRQHQ VND LQIRUPHUD ((6 I|UVlNULQJVI|UPHGODUHQ RP GHVVD EHVWlPPHOVHU , DYVQLWW EHKDQGODV IUnJDQ RP YLOND GHVVD EHVWlP PHOVHU lU PHQ GHW NDQ UHGDQ KlU QlPQDV DWW GHW U|U VLJ RP XSS I|UDQGHUHJOHU

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNODUQD RFK LQQHKnOOHU WLOO VNLOOQDG IUnQ I|UPHGOLQJVGLUHNWLYHW UHJOHU RP YLOND XSSJLIWHU HQ XQGHUUlWWHOVH RP JUlQV|YHUVNULGDQGH YHUNVDPKHW HOOHU ILOLDOHWDEOHULQJ VND LQQHKnOOD 'H UHJOHUQD lU XWIRUPDGH L HQOLJKHW PHG GHW V N /X[HPERXUJ SURWRNROOHW DY GHQ DSULO VRP WDJLWV IUDP LQRP UDPHQ I|U VDPDUEHWH L &RPPLWWHH RI (XURSHDQ ,QVXUDQFH DQG 2FFXSDWLRQDO 3HQVLRQV 6XSHUYLVRUV &(,236 YLONHW L VLQ WXU XWIRUPDWV HIWHU I|UHELOG IUnQ YDG VRP JlOOHU I|U I|UVlNULQJVI|UHWDJ HQOLJW HWW DQQDW VDPDUEHWV SURWRNROO GHW V N 6LHQD SURWRNROOHW DY GHQ RNWREHU 7LOOlPS QLQJHQ DY GH Q\D ODJEHVWlPPHOVHUQD WRUGH LQWH LQQHElUD QnJRQ VDNOLJ VNLOOQDG L I|UKnOODQGH WLOO YDG VRP UHGDQ JlOOHU HQOLJW GHQ QXYDUDQGH RUGQLQJHQ MIU NDS RFK †† )LQDQVLQVSHNWLRQHQV I|UHVNULIWHU RFK DOOPlQQD UnG RP I|UVlNULQJVI|UPHGOLQJ

(QOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW VND HQ I|UVlNULQJVI|UPHGODUH VNULIWOLJHQ XQGHUUlWWD GHQ EHK|ULJD P\QGLJKHWHQ L KHPODQGHW RP lQGULQJDU DYVHHQGH GH XSSJLIWHU VRP KDU OlPQDWV L HQ XQGHUUlWWHOVH DUWLNHO 8QGHUUlWWHOVHQ VND VNH VHQDVW HQ PnQDG LQQDQ lQGULQJHQ JHQRPI|UV +HPODQGHWV EHK|ULJD P\QGLJKHW VND RFNVn LQIRUPHUD YlUGODQGHWV EHK|ULJD P\QGLJKHW RP lQGULQJHQ Vn VQDUW VRP GHW lU SUDNWLVNW P|MOLJW RFK VHQDVW HQ PnQDG IUnQ GHQ GDJ Gn GHQ PRWWRJ PHGGHODQGHW RP lQGULQJ 'LUHNWLYHWV NUDY L GHWWD DYVHHQGH WLOOJRGRVHV JHQRP QDWLRQHOO ODJVWLIWQLQJ L KHPODQGHW MIU I|UVODJHW L DYVQLWW RP YDG VRP VND JlOOD I|U VYHQVND I|UVlNULQJVI|UPHGODUH VRP |QVNDU EHGULYD YHUNVDPKHW L HWW DQQDW ODQG LQRP ((6 L PRWVYDUDQGH VLWXDWLRQ

Utövande av etableringsfriheten

(QOLJW DUWLNHO InU Sn VDPPD VlWW VRP HQOLJW I|UPHGOLQJVGLUHNWLYHW HQ ((6 I|UPHGODUH VRP K|U KHPPD L HWW DQQDW ODQG LQRP ((6 EHGULYD

opaginerad I|UVlNULQJVGLVWULEXWLRQ KlU JHQRP DWW LQUlWWD ILOLDO HOOHU HQ SHUPDQHQW QlUYDUR Kontrollera mot PDF

I|UVlNULQJVGLVWULEXWLRQ KlU JHQRP DWW LQUlWWD ILOLDO HOOHU HQ SHUPDQHQW QlUYDUR

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW LQQHKnOOHU WLOO VNLOOQDG IUnQ I|U PHGOLQJVGLUHNWLYHW HQ GHILQLWLRQ DY ILOLDO , DUWLNHO DQJHV DWW PHG ILOLDO DYVHV HQ I|UPHGODUHV DJHQWXU HOOHU ILOLDO VRP lU EHOlJHQ L HQ DQQDQ PHGOHPVVWDW lQ KHPPHGOHPVVWDWHQ , GHQ Q\D ODJHQ RP I|UVlNULQJV GLVWULEXWLRQ E|U HQ GHILQLWLRQ DY ILOLDO WDV LQ )UnJDQ RP YDG VRP DYVHV PHG ILOLDO LQQHElU \WWHUVW HQ XWWRONQLQJ DY (8 UlWWHQV LQQHKnOO 'HWVDPPD JlOOHU EHJUHSSHW SHUPDQHQW QlUYDUR (Q SUHFLVHULQJ L ODJ VRP JnU XW|YHU GHW VRP GLUHNWLYHW I|UHVNULYHU VNXOOH LQQHElUD HWW I|UV|N DWW NRGLILHUD HOOHU DQNQ\WD WLOO (8 GRPVWROHQV UlWWVSUD[LV 8WIRUPQLQJHQ DY HQ VnGDQ SUHFLVHULQJ PnVWH GlUXW|YHU OlPQD XWU\PPH I|U GHQ IUDPWLGD UlWWV XWYHFNOLQJHQ (Q VnGDQ NRGLILHULQJ DY UnGDQGH SUD[LV lU DOOWLG I|UHQDG PHG YLVVD ULVNHU I|U DWW GHW XSSVWnU HQ QDWLRQHOOW DYYLNDQGH UlWWV XWYHFNOLQJ YDUI|U SURPHPRULDQ EHG|PHU DWW GHW LQWH lU OlPSOLJW DWW L ODJ SUHFLVHUD GHILQLWLRQHQ \WWHUOLJDUH VH SURS V I GlU HWW VQDUOLNW UHVRQHPDQJ I|UV

)|UIDUDQGHUHJOHUQD VRP JlOOHU QlU I|UVlNULQJVI|UPHGODUH |QVNDU LQUlWWD ILOLDO L 6YHULJH ILQQV L DUWLNHO gYHUI|UGD Sn VYHQVND I|UKnOODQGHQ LQQHElU GH I|OMDQGH

((6 I|UPHGODUHQ PnVWH XQGHUUlWWD GHQ EHK|ULJD P\QGLJKHWHQ L VLWW KHPODQG RP VLQ DYVLNW DWW LQUlWWD ILOLDO L 6YHULJH , DUWLNHO DQJHV YLOND XSSJLIWHU VRP HQ VnGDQ XQGHUUlWWHOVH VND LQQHKnOOD 'HQ EHK|ULJD P\QGLJKHWHQ GlU VND GlUHIWHU SU|YD RP I|UXWVlWWQLQJDUQD lU XSSI\OOGD I|U DWW I|UVlNULQJVI|UPHGODUHQ VND In LQUlWWD ILOLDOHQ RFK RP GH lU GHW LQRP HQ PnQDG YLGDUHEHIRUGUD XQGHUUlWWHOVHQ WLOO )LQDQV LQVSHNWLRQHQ ,QVSHNWLRQHQ VND VQDUDVW EHNUlIWD PRWWDJDQGHW RFK VND GlUHIWHU LQRP HQ PnQDG IUnQ PRWWDJDQGHW XQGHUUlWWD GHQ EHK|ULJD P\QGLJKHWHQ L KHPODQGHW RP GH EHVWlPPHOVHU VRP JlOOHU I|U YHUNVDPKHWHQ L 6YHULJH 'HW DQNRPPHU GlUHIWHU Sn GHQ EHK|ULJD P\QGLJKHWHQ L KHPODQGHW DWW XQGHUUlWWD I|UVlNULQJVI|UPHGODUHQ RP GHVVD RFK RP DWW I|UPHGODUHQ InU LQOHGD YHUNVDPKHW L 6YHULJH XQGHU I|UXWVlWWQLQJ DWW YHUNVDPKHWHQ lU I|UHQOLJ PHG QlPQGD EHVWlPPHOVHU 'HQ |QVNDGH YHUNVDPKHWHQ JHQRP LQUlWWDQGH DY ILOLDO NDQ SnE|UMDV VHQDVW HQ PnQDG HIWHU GHW DWW )LQDQV LQVSHNWLRQHQ PRWWDJLW HQ XQGHUUlWWHOVH HQOLJW RYDQ Gn GHW L GLUHNWLYHW ILQQV HQ EHVWlPPHOVH RP DWW I|UVlNULQJVI|UPHGODUHQ InU LQOHGD YHUNVDP KHWHQ lYHQ RP GHQ LQWH HUKnOOHU QnJRQ XQGHUUlWWHOVH L HQOLJKHW PHG GHW VDJGD VH DUWLNHO WUHGMH VW\FNHW 5HJOHUQD I|UXWVlWWHU YLGDUH DWW DNWXHOO YHUNVDPKHW NDQ LQOHGDV WLGLJDUH lQ HQ PnQDG IUnQ GHW DWW )LQDQVLQVSHN WLRQHQ PRWWDJLW XQGHUUlWWHOVHQ RP DYVLNW EHURHQGH Sn QlU LQVSHNWLRQHQ LQRP IULVWHQ RP HQ PnQDG YlOMHU DWW XQGHUUlWWD KHPODQGHW (Q EHVWlP PHOVH RP DWW I|UVlNULQJVI|UPHGOLQJ IUnQ ILOLDO L 6YHULJH InU LQOHGDV WLGLJDUH lQ LQRP HQ PnQDG RP )LQDQVLQVSHNWLRQHQ WLOOnWHU GHW E|U GlUI|U WDV LQ L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

1lU GHW JlOOHU LQIRUPDWLRQ RP YLOND EHVWlPPHOVHU VRP JlOOHU I|U YHUNVDPKHWHQ KlU L 6YHULJH KlQYLVDV WLOO YDG VRP DQI|UV RYDQ L IUnJDQ XQGHU DYVQLWWHW RP XW|YDQGH DY IULKHWHQ DWW HUEMXGD RFK WLOOKDQGDKnOOD WMlQVWHU 'HW E|U GlUHPRW IUDPKnOODV DWW GHW YLG LQUlWWDQGH DY ILOLDO NUlYV DWW )LQDQVLQVSHNWLRQHQ XQGHUUlWWDU KHPODQGHWV EHK|ULJD P\QGLJKHW RP GHVVD EHVWlPPHOVHU RFK DWW GLUHNWLYHW I|UXWVlWWHU DWW GHQ VHQDVW QlPQGD

opaginerad gYULJD XWOlQGVND I|UVlNULQJVI|UPHGODUH Kontrollera mot PDF

EHK|ULJD P\QGLJKHWHQ YLGDUHEHIRUGUDU GHQQD LQIRUPDWLRQ WLOO ((6

I|UVlNULQJVI|UPHGODUHQ

, IUnJD RP YDG HQ XQGHUUlWWHOVH RP DYVLNW DWW LQUlWWD ILOLDO VND LQQHKnOOD

KlQYLVDV WLOO GHW VRP DQJHV RYDQ XQGHU UXEULNHQ XW|YDQGH DY IULKHWHQ DWW

HUEMXGD RFK WLOOKDQGDKnOOD WMlQVWHU 'HWVDPPD JlOOHU L IUnJD RP

EHG|PQLQJHQ JlOODQGH VN\OGLJKHWHQ DWW XQGHUUlWWD RP lQGULQJDU DY GHVVD

XSSJLIWHU DUWLNHO

gYULJD XWOlQGVND I|UVlNULQJVI|UPHGODUH

3URPHPRULDQV I|UVODJ %HVWlPPHOVHUQD L ODJHQ RP I|UVlNULQJV

I|UPHGOLQJ RP |YULJD XWOlQGVND I|UVlNULQJVI|UPHGODUHV UlWW DWW XW|YD

I|UVlNULQJVI|UPHGOLQJ L 6YHULJH VND I|UDV |YHU RI|UlQGUDGH WLOO GHQ

Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ (Q I|UVlNULQJVI|UPHGODUH IUnQ

WUHGMHODQG InU VnOHGHV HIWHU WLOOVWnQG DY )LQDQVLQVSHNWLRQHQ EHGULYD

I|UVlNULQJVGLVWULEXWLRQ IUnQ ILOLDO L 6YHULJH 7LOOVWnQG InU JHV EDUD RP

I|UVlNULQJVI|UPHGODUHQ XSSI\OOHU PRWVYDUDQGH NUDY VRP JlOOHU I|U

VYHQVND WLOOVWnQGVSOLNWLJD I|UVlNULQJVI|UPHGODUH

%HVWlPPHOVHUQD RP EHJUlQVQLQJ DY WLOOVWnQG RFK UHJLVWUHULQJ KRV

%RODJVYHUNHW VRP JlOOHU I|U VYHQVND WLOOVWnQGVSOLNWLJD I|UVlNULQJV

I|UPHGODUH VND WLOOlPSDV lYHQ I|U GHQQD JUXSS DY I|UVlNULQJV

I|UPHGODUH

6NlOHQ I|U SURPHPRULDQV I|UVODJ 6RP DQJHV L DYVQLWW LQQHKnOOHU GLUHNWLYHW HWW NUDY Sn DWW VDPWOLJD SHUVRQHU VRP XW|YDU HOOHU KDU UlWW DWW XW|YD I|UVlNULQJVGLVWULEXWLRQ Sn HQ PHGOHPVVWDWV WHUULWRULXP EHKDQGODV OLND 'HW DNWXHOOD NUDYHW PnVWH I|UVWnV VRP DWW lYHQ I|UVlNULQJV I|UPHGODUH IUnQ WUHGMHODQG VND RPIDWWDV DY NUDYHW Sn WLOOVWnQG RFK UHJLVWUHULQJ HIWHUVRP GH L DQQDW IDOO LQWH NDQ VlJDV EHKDQGODV OLND 'LUHNWLYHW I|UlQGUDU VnOHGHV LQWH YDG VRP JlOOGH HQOLJW I|UVlNULQJV I|UPHGOLQJVGLUHNWLYHW YDUI|U QXYDUDQGH EHVWlPPHOVHU L ODJHQ RP I|UVlN ULQJVI|UPHGOLQJ E|U I|UDV |YHU WLOO GHQ Q\D ODJHQ RP I|UVlNULQJV GLVWULEXWLRQ

)|UVlNULQJVI|UPHGODUH IUnQ WUHGMHODQG E|U GlUI|U HIWHU WLOOVWnQG DY )LQDQVLQVSHNWLRQHQ In EHGULYD I|UVlNULQJVGLVWULEXWLRQ IUnQ ILOLDO L 6YHULJH 6RP I|UXWVlWWQLQJ I|U WLOOVWnQG E|U DOOWMlPW JlOOD DWW I|UVlNULQJV I|UPHGODUHQ L VLWW KHPODQG KDU WLOOVWnQG WLOO HOOHU lU UHJLVWUHUDG I|U DWW EHGULYD I|UVlNULQJVGLVWULEXWLRQ DWW I|UPHGODUHQ GlU VWnU XQGHU EHWU\JJ DQGH WLOOV\Q DY HQ EHK|ULJ P\QGLJKHW RFK DWW GHQ P\QGLJKHWHQ KDU PHGJHWW DWW I|UPHGODUHQ HWDEOHUDU VLJ L 6YHULJH VDPW DWW GHW ILQQV VNlO DWW DQWD DWW I|UPHGODUHQ XSSI\OOHU GH NUDY I|U WLOOVWnQG VRP WLOOlPSDV Sn VYHQVND I|UVlNULQJVI|UPHGODUH %HWUlIIDQGH GH NUDY VRP WLOOlPSDV Sn VYHQVND I|UVlNULQJVI|UPHGODUH KlQYLVDV WLOO GHW VRP DQJHV L DYVQLWW

%HVWlPPHOVHUQD RP EHJUlQVQLQJ DY WLOOVWnQG RFK UHJLVWUHULQJ KRV %RODJVYHUNHW VRP JlOOHU I|U VYHQVND WLOOVWnQGVSOLNWLJD I|UVlNULQJV I|UPHGODUH E|U WLOOlPSDV lYHQ I|U XWOlQGVND I|UVlNULQJVI|UPHGODUH IUnQ WUHGMHODQG VH DYVQLWWHQ RFK

9DG HQ VnGDQ I|UVlNULQJVI|UPHGODUH KDU DWW LDNWWD YLG XW|YDQGHW DY VLQ YHUNVDPKHW KlU L 6YHULJH EHKDQGODV L DYVQLWW

opaginerad 6YHQVND I|UVlNULQJVI|UPHGODUHV YHUNVDPKHW Kontrollera mot PDF

6YHQVND I|UVlNULQJVI|UPHGODUHV YHUNVDPKHW

XWRPODQGV

3URPHPRULDQV I|UVODJ (Q VYHQVN I|UVlNULQJVI|UPHGODUH VRP YLOO EHGULYD I|UVlNULQJVGLVWULEXWLRQ IUnQ HQ ILOLDO HOOHU SHUPDQHQW QlUYDUR L HWW DQQDW ODQG LQRP ((6 VND XQGHUUlWWD )LQDQVLQVSHNWLRQHQ RP VLQ DYVLNW LQQDQ YHUNVDPKHWHQ SnE|UMDV 'HWVDPPD JlOOHU RP I|UVlNULQJV I|UPHGODUHQ DYVHU DWW lQGUD HQ VnGDQ YHUNVDPKHW

)LQDQVLQVSHNWLRQHQ VND SU|YD RP I|UXWVlWWQLQJDUQD lU XSSI\OOGD I|U DWW I|UVlNULQJVI|UPHGODUHQ VND In LQUlWWD ILOLDOHQ VDPW L |YULJW LDNWWD GH I|UIDUDQGHUHJOHU VRP I|OMHU DY GLUHNWLYHW L GHWWD DYVHHQGH

2P HQ VYHQVN I|UVlNULQJVI|UPHGODUH YLOO HUEMXGD RFK WLOOKDQGDKnOOD WMlQVWHU L HWW DQQDW ODQG LQRP ((6 XWDQ DWW LQUlWWD ILOLDO GlU VND I|U PHGODUHQ XQGHUUlWWD )LQDQVLQVSHNWLRQHQ RP GHWWD LQQDQ YHUNVDPKHWHQ SnE|UMDV 'HWVDPPD VND JlOOD RP I|UVlNULQJVI|UPHGODUHQ DYVHU DWW lQGUD HQ VnGDQ YHUNVDPKHW

)LQDQVLQVSHNWLRQHQ VND L |YULJW LDNWWD GH I|UIDUDQGHUHJOHU VRP I|OMHU DY GLUHNWLYHW L GHWWD DYVHHQGH

,QQHKnOOHW L HQ XQGHUUlWWHOVH RP DWW LQUlWWD ILOLDO HOOHU HUEMXGD RFK WLOOKDQGDKnOOD WMlQVWHU L HWW DQQDW ODQG LQRP ((6 VND DQJHV L ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

)LQDQVLQVSHNWLRQHQ VND DQPlOD WLOO %RODJVYHUNHW RP I|UVlNULQJV I|UPHGODUH XQGHUUlWWDU RP VLQ DYVLNW DWW LQUlWWD ILOLDO HOOHU HUEMXGD RFK WLOOKDQGDKnOOD WMlQVWHU L HWW DQQDW ODQG LQRP ((6 'HWVDPPD VND JlOOD RP I|UVlNULQJVI|UPHGODUH XQGHUUlWWDU )LQDQVLQVSHNWLRQHQ RP lQGULQJ L VnGDQ YHUNVDPKHW

3URPHPRULDQV EHG|PQLQJ 'HW E|U LQWH LQI|UDV QnJRQ UHJOHULQJ RP WLOOVWnQGVSOLNW HOOHU DQPlOQLQJVVN\OGLJKHW I|U VYHQVND I|UVlNULQJV I|UPHGODUH VRP YLOO EHGULYD I|UVlNULQJVGLVWULEXWLRQ L WUHGMHODQG

6NlOHQ I|U SURPHPRULDQV I|UVODJ RFK EHG|PQLQJ

En enda auktorisation

, OLNKHW PHG I|UPHGOLQJVGLUHNWLYHW lU DYVLNWHQ PHG I|UVlNULQJVGLVWUL EXWLRQVGLUHNWLYHW DWW HQ DXNWRULVDWLRQ VND HUNlQQDV DY DOOD (8 V PHGOHPV VWDWHU 'HWWD P|MOLJJ|U I|U VYHQVND I|UVlNULQJVI|UPHGODUH DWW YHUND LQRP (8 RFK WLOO I|OMG DY ((6 DYWDOHW lYHQ LQRP ((6 3n VDPPD VlWW VRP ((6 I|UVlNULQJVI|UPHGODUH NDQ EHGULYD I|UVlNULQJVGLVWULEXWLRQ KlU JHQRP DWW DQWLQJHQ LQUlWWD ILOLDO HOOHU HUEMXGD RFK WLOOKDQGDKnOOD WMlQVWHU VND VYHQVND I|UVlNULQJVI|UPHGODUH NXQQD EHGULYD I|UVlNULQJVGLVWULEXWLRQ LQRP ((6 L GHVVD IRUPHU 'H RYDQ EHVNULYQD I|UIDUDQGHUHJOHUQD VRP WLOOlPSDV Sn ((6 I|UPHGODUH QlU GH |QVNDU LQOHGD YHUNVDPKHW L 6YHULJH lU WLOOlPSOLJD lYHQ L I|UHYDUDQGH VLWXDWLRQ YLONHW LQQHElU I|OMDQGH RUGQLQJ I|U VYHQVNW YLGNRPPDQGH

Utövande av etableringsfriheten

(Q VYHQVN I|UVlNULQJVI|UPHGODUH VRP |QVNDU EHGULYD I|UVlNULQJV GLVWULEXWLRQ JHQRP DWW LQUlWWD ILOLDO L HWW DQQDW ODQG LQRP ((6 PnVWH I|UVW

XQGHUUlWWD )LQDQVLQVSHNWLRQHQ RP VLQ DYVLNW (QOLJW I|UVODJHW L DYVQLWW

opaginerad ODQGHW RP lQGULQJHQ Vn VQDUW VRP GHW lU SUDNWLVNW P|MOLJW RFK VHQDVW HQ Kontrollera mot PDF

VND GHQ Q\D ODJHQ LQQHKnOOD EHVWlPPHOVHU RP YLOND XSSJLIWHU HQ VnGDQ XQGHUUlWWHOVH VND LQQHKnOOD )LQDQVLQVSHNWLRQHQ KDU Gn DWW SU|YD RP I|UXWVlWWQLQJDUQD lU XSSI\OOGD I|U DWW I|UVlNULQJVI|UPHGODUHQ VND In LQUlWWD ILOLDOHQ , DUWLNHO L GLUHNWLYHW DQJHV DWW RP GHQ EHK|ULJD P\QGLJKHWHQ L KHPODQGHW LQWH KDU VNlO DWW EHWYLYOD DWW I|UVlNULQJV I|UPHGODUHQV RUJDQLVDWRULVND VWUXNWXU HOOHU HNRQRPLVND VLWXDWLRQ lU RWLOOUlFNOLJ PHG EHDNWDQGH DY GHQ SODQHUDGH GLVWULEXWLRQVYHUNVDPKHWHQ VND GHQ LQRP HQ PnQDG HIWHU DWW KD PRWWDJLW LIUnJDYDUDQGH XQGHUUlWWHOVH YLGDUHEHIRUGUD XSSJLIWHUQD WLOO YlUGODQGHWV EHK|ULJD P\QGLJKHW 'LUHNWLYHW PnVWH I|UVWnV Sn Vn VlWW DWW GHW LQWH VND ILQQDV QnJRQ RVlNHUKHW L IUnJD RP I|UVlNULQJVI|UPHGODUHQV RUJDQLVDWRULVND VWUXNWXU HOOHU HNRQRPLVND VLWXDWLRQ lU WLOOUlFNOLJ XWLIUnQ GHQ SODQHUDGH GLVWULEXWLRQV YHUNVDPKHWHQ MIU GHQ HQJHOVND VSUnNYHUVLRQHQ DY DUWLNHO ´8QOHVV WKH FRPSHWHQW DXWKRULW\ RI WKH KRPH 0HPEHU VWDWH KDV UHDVRQ WR GRXEW WKH DGHTXDF\ RI WKH RUJDQLVDWLRQDO VWUXFWXUH RU WKH ILQDQFLDO VLWXDWLRQ RI WKH LQVXUDQFH LQWHUPHGLDU\ ´ 'HQ EHK|ULJD P\QGLJKHWHQ L YlUG ODQGHW VND EHNUlIWD PRWWDJDQGHW DY XQGHUUlWWHOVHQ XWDQ GU|MVPnO YLONHW EHG|PV PRWVYDUD ´VQDUDVW´ I|U )LQDQVLQVSHNWLRQHQV YLGNRPPDQGH VH DYVQLWW RFK VND GlUHIWHU LQRP HQ PnQDG HIWHU PRWWDJDQGHW XQGHU UlWWD GHQ EHK|ULJD P\QGLJKHWHQ L KHPODQGHW )LQDQVLQVSHNWLRQHQ RP GH EHVWlPPHOVHU VRP JlOOHU I|U YHUNVDPKHWHQ L YlUGODQGHW )LQDQVLQVSHN WLRQHQ VND QlU I|OMDQGH LQIRUPDWLRQ HUKnOOLWV IUnQ YlUGODQGHWV EHK|ULJD P\QGLJKHW XQGHUUlWWD I|UVlNULQJVI|UPHGODUHQ GHOV VNULIWOLJHQ QlU GHQ EHK|ULJD P\QGLJKHWHQ L YlUGODQGHW EHNUlIWDW PRWWDJDQGHW DY XQGHU UlWWHOVHQ GHOV RP GH EHVWlPPHOVHU VRP JlOOHU I|U YHUNVDPKHWHQ L YlUG ODQGHW VDPW DWW I|UVlNULQJVI|UPHGODUHQ InU LQOHGD YHUNVDPKHW GlU XQGHU I|UXWVlWWQLQJ DWW YHUNVDPKHWHQ lU I|UHQOLJ PHG GHVVD EHVWlPPHOVHU 'LUHNWLYHW I|UXWVlWWHU DWW VYHQVND I|UVlNULQJVI|UPHGODUH InU HWDEOHUD ILOLDO RFK LQOHGD YHUNVDPKHW L YlUGODQGHW Vn VQDUW GHQ EHK|ULJD P\QGLJKHWHQ GlU XQGHUUlWWDU )LQDQVLQVSHNWLRQHQ RP GH EHVWlPPHOVHU VRP JlOOHU I|U YHUNVDPKHWHQ GlU HOOHU L DYVDNQDG DY VnGDQ XQGHUUlWWHOVH Vn VQDUW IULVWHQ RP HQ PnQDG KDU O|SW XW 7LGSXQNWHQ I|U QlU GHQ VYHQVND I|UVlNULQJVI|UPHGODUHQ InU LQOHGD VLQ YHUNVDPKHW L HQ DQQDQ PHGOHPVVWDW InU DQVHV YDUD HQ IUnJD I|U GHW DNWXHOOD YlUGODQGHW RFK lU VnOHGHV LQWH QnJRW VRP GHW ILQQV DQOHGQLQJ DWW UHJOHUD L VYHQVN ODJ VH /DJUnGHWV \WWUDQGH |YHU I|UVODJ WLOO Q\ ODJ RP LQYHVWHULQJVIRQGHU >SURS V @

2P )LQDQVLQVSHNWLRQHQ ILQQHU DWW GHW LQWH ILQQV I|UXWVlWWQLQJDU I|U DWW OlPQD |YHU XQGHUUlWWHOVHQ WLOO YlUGODQGHWV EHK|ULJD P\QGLJKHW VND LQVSHNWLRQHQ PHGGHOD EHVOXW RP GHW LQRP HQ PnQDG IUnQ GHW DWW XQGHUUlWWHOVHQ WRJV HPRW 0HG GHWWD DYVHV HWW EHVOXW VRP lYHQ LQQHKnOOHU VNlOHQ I|U EHVOXWHW YLONHW I|OMHU DY I|UYDOWQLQJVODJHQ (WW VnGDQW EHVOXW ± HOOHU XQGHUOnWHQKHW DWW PHGGHOD EHVOXW ± VND In |YHUNODJDV WLOO DOOPlQ I|UYDOWQLQJVGRPVWRO VH DYVQLWW

(Q VYHQVN I|UVlNULQJVI|UPHGODUH lU VN\OGLJ DWW VNULIWOLJHQ XQGHUUlWWD )LQDQVLQVSHNWLRQHQ RP lQGULQJDU DYVHHQGH GH XSSJLIWHU VRP OlPQDWV L HQ XQGHUUlWWHOVH HQOLJW RYDQ 8QGHUUlWWHOVHQ VND VNH VHQDVW HQ PnQDG LQQDQ lQGULQJHQ JHQRPI|UV 'LUHNWLYHW XSSVWlOOHU VRP NUDY DWW GHQ EHK|ULJD P\QGLJKHWHQ L KHPODQGHW LQIRUPHUDU GHQ EHK|ULJD P\QGLJKHWHQ L YlUG

ODQGHW RP lQGULQJHQ Vn VQDUW VRP GHW lU SUDNWLVNW P|MOLJW RFK VHQDVW HQ

opaginerad Utövande av friheten att erbjuda och tillhandahålla tjänster Kontrollera mot PDF

PnQDG IUnQ GHQ GDJ GHQ PRWWDJLW XQGHUUlWWHOVHQ RP lQGULQJ .UDYHW Sn Vn VQDUW VRP GHW lU SUDNWLVNW P|MOLJW EHG|PV L I|UHQLQJ PHG GHQ DEVROXWD IULVWHQ RP HQ PnQDG WlFNDV DY HWW VN\QGVDPKHWVNUDY )LQDQVLQVSHNWLRQ VND VnOHGHV LQIRUPHUD GHQ EHK|ULJD P\QGLJKHWHQ L YlUGODQGHW RP lQGULQJHQ VN\QGVDPW RFK VHQDVW HQ PnQDG IUnQ GHQ GDJ XQGHUUlWWHOVHQ RP lQGULQJ PRWWRJV

Utövande av friheten att erbjuda och tillhandahålla tjänster

(Q VYHQVN I|UVlNULQJVI|UPHGODUH VRP YLOO HUEMXGD RFK WLOOKDQGDKnOOD WMlQVWHU L HWW DQQDW ODQG LQRP ((6 PnVWH I|UVW XQGHUUlWWD )LQDQVLQVSHN WLRQHQ (QOLJW I|UVODJHW L DYVQLWW VND GHQ Q\D ODJHQ LQQHKnOOD EHVWlPPHOVHU RP YLOND XSSJLIWHU HQ VnGDQ XQGHUUlWWHOVH VND LQQHKnOOD ,QVSHNWLRQHQ VND VHGDQ LQRP HQ PnQDG IUnQ GHW DWW XQGHUUlWWHOVHQ PRWWRJV OlPQD |YHU GHQ WLOO GHQ EHK|ULJD P\QGLJKHWHQ L GHQ PHGOHPVVWDW GlU I|UPHGODUHQ |QVNDU HUEMXGD RFK WLOOKDQGDKnOOD WMlQVWHU YlUGODQGHW 9lUGODQGHWV EHK|ULJD P\QGLJKHW VND EHNUlIWD PRWWDJDQGHW DY XQGHU UlWWHOVHQ XWDQ GU|MVPnO 1lU EHNUlIWHOVH KDU VNHWW VND )LQDQVLQVSHNWLRQHQ VNULIWOLJHQ XQGHUUlWWD I|UVlNULQJVI|UPHGODUHQ RP GHWWD VDPW RP GH EHVWlPPHOVHU VRP JlOOHU I|U YHUNVDPKHWHQ L YlUGODQGHW RFK DWW I|UVlNULQJVI|UPHGODUHQ InU LQOHGD YHUNVDPKHW GlU XQGHU I|UXWVlWWQLQJ DWW YHUNVDPKHWHQ lU I|UHQOLJ PHG GHVVD EHVWlPPHOVHU ,QIRUPDWLRQVVN\OGLJ KHWHQ EHWUlIIDQGH WLOOlPSOLJD EHVWlPPHOVHU WRUGH NXQQD IXOOJ|UDV DY )LQDQVLQVSHNWLRQHQ JHQRP LQIRUPDWLRQ RP YDU GHVVD ILQQV WLOOJlQJOLJD

(Q VYHQVN I|UVlNULQJVI|UPHGODUH lU VN\OGLJ DWW VNULIWOLJHQ XQGHUUlWWD RP lQGULQJDU DYVHHQGH GH XSSJLIWHU VRP OlPQDWV L HQ XQGHUUlWWHOVH HQOLJW RYDQ 8QGHUUlWWHOVHQ VND VNH VHQDVW HQ PnQDG LQQDQ lQGULQJHQ JHQRP I|UV )LQDQVLQVSHNWLRQ VND LQIRUPHUD GHQ EHK|ULJD P\QGLJKHWHQ L YlUG ODQGHW RP lQGULQJHQ VN\QGVDPW RFK VHQDVW HQ PnQDG IUnQ GHQ GDJ XQGHUUlWWHOVHQ RP lQGULQJ WRJV HPRW

Anmälan till registreringsmyndighet

, DUWLNHO QLRQGH VW\FNHW L GLUHNWLYHW I|UHVNULYV DWW PHGOHPVVWDWHUQD VND VH WLOO DWW GHW L UHJLVWUHQ |YHU I|UVlNULQJVI|UPHGODUH VND DQJHV L YLOND PHGOHPVVWDWHU HQ I|UVlNULQJVI|UPHGODUH lU YHUNVDP HQOLJW EHVWlP PHOVHUQD RP HWDEOHULQJVIULKHW HOOHU IULKHWHQ DWW WLOOKDQGDKnOOD WMlQVWHU gYHUI|UW WLOO VYHQVND I|UKnOODQGHQ LQQHElU GHW DWW )LQDQVLQVSHNWLRQHQ PnVWH XQGHUUlWWD %RODJVYHUNHW RP HQ I|UVlNULQJVI|UPHGODUH KDU DQPlOW WLOO LQVSHNWLRQHQ DWW I|UPHGODUHQ DYVHU DWW I|UPHGOD I|UVlNULQJDU L HWW DQQDW ODQG LQRP ((6 JHQRP HQ ILOLDO HOOHU XWDQ DWW LQUlWWD HQ ILOLDO 'LUHNWLYHW XSSVWlOOHU lYHQ VRP NUDY DWW PHGOHPVVWDWHUQD VHU |YHU UHJLVWUHQV JLOWLJKHW YDUI|U )LQDQVLQVSHNWLRQHQV XQGHUUlWWHOVHVN\OGLJKHW WLOO %RODJVYHUNHW L GHWWD DYVHHQGH E|U XWVWUlFNDV WLOO DWW lYHQ RPIDWWD VnGDQD XQGHUUlWWHOVHU RP lQGULQJ VRP NDQ NRPPD LQ IUnQ I|UVlNULQJV I|UPHGODUH

Verksamhet i tredjeland

'LUHNWLYHW LQQHKnOOHU LQWH QnJUD EHVWlPPHOVHU RP LQKHPVND I|UVlNULQJV I|UPHGODUHV YHUNVDPKHW L WUHGMHODQG YLONHW LQQHElU DWW GHW VWnU HQ PHGOHPVVWDW IULWW DWW UHJOHUD GHQQD IUnJD 'HW VDNQDV DQOHGQLQJ DWW QX

J|UD QnJRQ DQQDQ EHG|PQLQJ lQ GHQ VRP JMRUGHV YLG LQI|UDQGHW DY ODJHQ

opaginerad RP I|UVlNULQJVI|UPHGOLQJ GYV DWW GHW LQWH EHG|PV I|UHOLJJD QnJRW EHKRY Kontrollera mot PDF

RP I|UVlNULQJVI|UPHGOLQJ GYV DWW GHW LQWH EHG|PV I|UHOLJJD QnJRW EHKRY

DY DWW L ODJ I|UHVNULYD WLOOVWnQGVSOLNW HOOHU DQPlOQLQJVVN\OGLJKHW I|U

VYHQVND I|UVlNULQJVI|UPHGODUH VRP YLOO EHGULYD I|UVlNULQJVGLVWULEXWLRQ L

WUHGMHODQG MIU SURS V

5HJOHU I|U YHUNVDPKHWHQ

*UXQGOlJJDQGH NUDY YLG I|UVlNULQJVGLVWULEXWLRQ

3URPHPRULDQV I|UVODJ 1XYDUDQGH NUDY Sn I|UVlNULQJVI|UPHGODUH DWW L VLQ YHUNVDPKHW LDNWWD JRG I|UVlNULQJVI|UPHGOLQJVVHG HUVlWWV PHG HWW NUDY Sn I|UVlNULQJVGLVWULEXW|UHU DWW GULYD VLQ YHUNVDPKHW HQOLJW JRG I|UVlNULQJVGLVWULEXWLRQVVWDQGDUG

%HVWlPPHOVHUQD L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ RP RPVRUJV SOLNW DQSDVVQLQJ DY UnGJLYQLQJ RFK RP VN\OGLJKHW DWW L YLVVD IDOO DYUnGD HQ NXQG I|UV |YHU WLOO GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ (WW NUDY LQI|UV Sn DWW I|UVlNULQJVGLVWULEXW|UHU VND KDQGOD KHGHUOLJW

UlWWYLVW RFK SURIHVVLRQHOOW

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU PHGGHOD I|UHVNULIWHU RP YDG I|UVlNULQJVGLVWULEXW|UHU VND LDNWWD I|U DWW XSSI\OOD VLQD VN\OGLJKHWHU L IUnJD RP JRG I|UVlNULQJVGLVWULEXWLRQVVHG RPVRUJVSOLNW DQSDVVQLQJ DY UnGJLYQLQJ RFK DWW DYUnGD VDPW DWW KDQGOD KHGHUOLJ UlWWYLVW RFK SURIHVVLRQHOOW

3URPHPRULDQ 6WlUNW NRQVXPHQWVN\GG YLG I|UVlNULQJVI|UPHGOLQJV 'V I|UVODJ |YHUHQVVWlPPHU GHOYLV PHG SURPHPRULDQV I|UVODJ , GHQ SURPHPRULDQ I|UHVOnV HQGDVW HWW NUDY Sn DWW HQ I|UVlNULQJV I|UPHGODUH VND KDQGOD KHGHUOLJW UlWWYLVW RFK SURIHVVLRQHOOW

5HPLVVLQVWDQVHUQD )OHUWDOHW UHPLVVLQVWDQVHU WLOOVW\UNHU I|UVODJHW HOOHU KDU LQJHW DWW LQYlQGD PRW GHW Svenska försäkringsförmedlares förening

LIUnJDVlWWHU EHKRYHW DY DWW VWlOOD NUDY Sn DWW I|UVlNULQJVI|UPHGODUH VND KDQGOD KHGHUOLJW UlWWYLVW RFK SURIHVVLRQHOOW PRW EDNJUXQG DY DWW I|UVlN ULQJVI|UPHGODUH lU I|USOLNWDGH DWW I|OMD JRG I|UVlNULQJVI|UPHGOLQJVVHG

6NlOHQ I|U SURPHPRULDQV I|UVODJ

God försäkringsdistributionsstandard, omsorgsplikt, anpassning av rådgivning och skyldighet att avråda

'HQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ NRPPHU DWW JlOOD I|U I|UVlN ULQJVGLVWULEXW|UHU VRP LQJnU L HQ P\FNHW PnQJVNLIWDQGH JUXSS DOOWLIUnQ VWRUD I|UVlNULQJVI|UHWDJ PHG WXVHQWDOV DQVWlOOGD WLOO QlULQJVLGNDUH VRP L HQ HQVNLOG ILUPD GULYHU YHUNVDPKHW VRP I|UVlNULQJVI|UPHGODUH VH DYVQLWW 6RP UHJHULQJHQ IDQQ YLG LQI|UDQGHW DY ODJHQ RP I|UVlNULQJV I|UPHGOLQJ WHU GHW VLJ GlUI|U YDUH VLJ |QVNYlUW HOOHU P|MOLJW DWW VWlOOD XSS GHWDOMHUDGH UHJOHU I|U KXU I|UVlNULQJVGLVWULEXWLRQ VND XW|YDV VH SURS V I 'HW ILQQV EHKRY DY IOH[LELOLWHW L UHJHOYHUNHW EnGH PHOODQ ROLND DNW|UHU RFK |YHU WLGHQ

'HW ILQQV GlUI|U JRGD VNlO DWW EHKnOOD HQ RUGQLQJ VRP OLNQDU GHQ VRP UnGHU L GDJ DWW GH VRP lJQDU VLJ nW I|UVlNULQJVI|UPHGOLQJ VND LDNWWD JRG

opaginerad RP I|UVlNULQJVI|UPHGOLQJ GYV DWW GHW LQWH EHG|PV I|UHOLJJD QnJRW EHKRY Kontrollera mot PDF

I|UVlNULQJVI|UPHGOLQJVVHG HWW XWWU\FN VRP lU WlQNW DWW VSHJOD XWYHFN OLQJHQ L EUDQVFKHQ RFK V\QHQ KRV EUDQVFKRUJDQ RFK EHU|UGD P\QGLJKHWHU VH VDPPD SURS

'HW E|U GRFN NRPPD WLOO W\GOLJDUH XWWU\FN L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ DWW I|UVlNULQJVGLVWULEXW|UHU VND KnOOD HQ NYDOLWDWLYW WLOOIUHGVVWlOODQGH VWDQGDUG L VLQ YHUNVDPKHW RFK DWW GHQQD VWDQGDUG VND VWn L |YHUHQVVWlPPHOVH PHG HQ IDNWLVNW I|UHNRPPDQGH SUD[LV KRV HQ UHSUH VHQWDWLY NUHWV DY I|UVlNULQJVGLVWULEXW|UHU )|U DWW PDUNHUD GHQQD I|UVNMXW QLQJ E|U NUDYHW Sn DWW I|UVlNULQJVI|UPHGODUH VND LDNWWD JRG I|UVlNULQJV I|UPHGOLQJVVHG HUVlWWDV PHG HWW NUDY Sn DWW I|UVlNULQJVGLVWULEXW|UHU VND GULYD VLQ I|UVlNULQJVGLVWULEXWLRQ HQOLJW JRG I|UVlNULQJVGLVWULEXWLRQV VWDQGDUG (Q I|UHELOG I|U GHWWD NUDY lU GHW VRP UHGDQ JlOOHU I|U I|UVlNULQJVI|UHWDJ RFK VRP LQQHElU DWW HWW I|UVlNULQJVI|UHWDJ VND GULYD VLQ U|UHOVH HQOLJW JRG I|UVlNULQJVVWDQGDUG VH NDS † I|UVlNULQJV U|UHOVHODJHQ RFK SURS V

'HW VDNQDV VNlO DWW WD ERUW HOOHU lQGUD NUDYHW L ODJHQ RP I|UVlNULQJV I|UPHGOLQJ Sn DWW HQ I|UVlNULQJVI|UPHGODUH PHG WLOOE|UOLJ RPVRUJ VND WD WLOO YDUD NXQGHQV LQWUHVVHQ 'HWWD NUDY E|U GlUI|U JlOOD lYHQ HQOLJW ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ I|U VDPWOLJD I|UVlNULQJVGLVWULEXW|UHU 0HG NXQG E|U lYHQ L IRUWVlWWQLQJHQ DYVHV GHQ I\VLVND HOOHU MXULGLVND SHUVRQ L I|UKnOODQGH WLOO YLONHQ I|UVlNULQJVGLVWULEXWLRQVWMlQVWHQ WLOOKDQGDKnOOV VH SURS V

'HW VDNQDV lYHQ VNlO DWW WD ERUW GHW QXYDUDQGH NUDYHW L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ Sn DWW HQ I|UVlNULQJVI|UPHGODUH VND DQSDVVD VLQ UnGJLYQLQJ HIWHU NXQGHQV |QVNHPnO RFK EHKRY VDPW UHNRPPHQGHUD O|V QLQJDU VRP lU OlPSOLJD I|U NXQGHQ NDS † DQGUD VW\FNHW

(QOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ NDS † WUHGMH VW\FNHW VND HQ I|UVlNULQJVI|UPHGODUH DYUnGD HQ NXQG VRP lU HQ I\VLVN SHUVRQ VRP KDQGODU KXYXGVDNOLJHQ I|U lQGDPnO VRP IDOOHU XWDQI|U QlULQJVYHUNVDPKHW IUnQ DWW YLGWD nWJlUGHU VRP LQWH NDQ DQVHV OlPSOLJD PHG KlQV\Q WLOO SHUVRQHQV EHKRY HNRQRPLVND I|UKnOODQGHQ HOOHU DQGUD RPVWlQGLJKHWHU 'HQ VN\OGLJKHWHQ E|U JlOOD lYHQ HQOLJW GHQ Q\D ODJHQ RP I|UVlNULQJV GLVWULEXWLRQ , OLNKHW PHG GHW VRP DQI|UGHV YLG LQI|UDQGHW DY ODJHQ RP I|UVlNULQJVI|UPHGOLQJ InU GHW DQVHV I|OMD UHGDQ DY NUDYHW Sn LDNWWDJDQGH DY JRG I|UVlNULQJVGLVWULEXWLRQVVWDQGDUG DWW HQ I|UVlNULQJVGLVWULEXW|U KDU HQ SOLNW DWW DYUnGD HQ NRQVXPHQW IUnQ DWW WHFNQD HQ I|UVlNULQJ VRP NRQVXPHQWHQ LQWH KDU EHKRY DY lYHQ RP NRQVXPHQWHQ YLOO WHFNQD GHQ VH VDPPD SURS V )|U NODUKHWHQV VNXOO E|U GHW GRFN lYHQ IRUWVlWW QLQJVYLV XWWU\FNOLJHQ DQJHV L ODJ DWW GHW I|U I|UVlNULQJVGLVWULEXW|UHU JlOOHU HQ VnGDQ VN\OGLJKHW L I|UKnOODQGH WLOO NRQVXPHQWHU 1lU GHW JlOOHU HQ I|UVlNULQJVGLVWULEXW|UV I|UKnOODQGH WLOO NXQGHU VRP LQWH lU NRQVXPHQWHU XWDQ QlULQJVLGNDUH NDQ HQ VnGDQ VN\OGLJKHW I|OMD DY NUDYHW Sn DWW YHUNVDPKHWHQ VND GULYDV HQOLJW JRG I|UVlNULQJVGLVWULEXWLRQVVWDQGDUG SUHFLV VRP HQ VnGDQ SOLNW L GDJ NDQ I|OMD DY NUDYHW Sn JRG I|UVlNULQJV I|UPHGOLQJVVHG VH VDPPD SURS

)|U I|UVlNULQJVI|UHWDJHQV GHO NRPPHU GH QX EHKDQGODGH U|UHOVH UHJOHUQD DWW JlOOD YLG VLGDQ DY NUDYHW Sn DWW HWW I|UVlNULQJVI|UHWDJV U|UHOVH VND GULYDV HQOLJW JRG I|UVlNULQJVVWDQGDUG NDS † I|UVlNULQJV U|UHOVHODJHQ 5HJOHUQD RP KXU HWW I|UVlNULQJVI|UHWDJ VND DJHUD YLG VLQ

I|UVlNULQJVGLVWULEXWLRQ WRUGH L GH IOHVWD IDOO NRPPD DWW LQWD VWlOOQLQJ VRP

VSHFLDOODJ lex specialis L I|UKnOODQGH WLOO NUDYHW Sn JRG I|UVlNULQJV

opaginerad VWDQGDUG Kontrollera mot PDF

VWDQGDUG , SUDNWLNHQ WRUGH GHW GRFN LQWH XSSNRPPD QnJUD QRUP

NRQIOLNWHU PHOODQ n HQD VLGDQ GH NUDY VRP HQOLJW I|UVODJHW VND JlOOD HQOLJW

ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ L IUnJD RP JRG I|UVlNULQJVGLVWULEXWLRQV

VHG RPVRUJVSOLNW DQSDVVQLQJ DY UnGJLYQLQJ RFK VN\OGLJKHW DWW DYUnGD

RFK KDQGOD KHGHUOLJW VDPW n DQGUD VLGDQ NUDYHW L I|UVlNULQJVU|UHOVHODJHQ

Sn DWW HWW I|UVlNULQJVI|UHWDJV U|UHOVH VND GULYDV HQOLJW JRG I|UVlNULQJV

VWDQGDUG

Försäkringsdistributörer ska handla hederligt, rättvist och professionellt

)|U YlUGHSDSSHUVLQVWLWXW JlOOHU UHGDQ L GDJ HWW NUDY Sn DWW LQVWLWXWHQ VND

KDQGOD KHGHUOLJW UlWWYLVW RFK SURIHVVLRQHOOW 'HW NUDYHW LQI|UGHV QlU

PRWVYDUDQGH UHJOHU L 0L),' , DUWLNHO JHQRPI|UGHV L VYHQVN UlWW VH

SURS V

(QOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW VND PHGOHPVVWDWHUQD VH WLOO DWW

I|UVlNULQJVGLVWULEXW|UHU QlU GH XWI|U I|UVlNULQJVGLVWULEXWLRQ DOOWLG DJHUDU

KHGHUOLJW UlWWYLVW RFK SURIHVVLRQHOOW L HQOLJKHW PHG VLQD NXQGHUV ElVWD

LQWUHVVH DUWLNHO 'HW NUDYHW PRWVYDUDU GHW VRP JlOOHU HQOLJW

0L),' ,

'HVVD UHJOHU L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW E|U JHQRPI|UDV L

VYHQVN UlWW L HQ PRWVYDUDQGH EHVWlPPHOVH L ODJHQ RP I|UVlNULQJV

GLVWULEXWLRQ VRP nOlJJHU I|UVlNULQJVGLVWULEXW|UHU DWW KDQGOD KHGHUOLJW

UlWWYLVW RFK SURIHVVLRQHOOW L HQOLJKHW PHG I|UVODJHW L SURPHPRULDQ 6WlUNW

NRQVXPHQWVN\GG YLG I|UVlNULQJVI|UPHGOLQJV 'V 'HW NDQ

LQYlQGDV VRP Svenska försäkringsförmedlares förening J|U DWW HWW

VnGDQW NUDY UHGDQ JlOOHU L GDJ WLOO I|OMG DY DWW I|UVlNULQJVI|UPHGODUH lU

VN\OGLJD DWW LDNWWD JRG I|UVlNULQJVI|UPHGOLQJVVHG *HQRP DWW LQI|UD HWW

XWWU\FNOLJW NUDY L GHQ Q\D ODJHQ RP DWW I|UVlNULQJVGLVWULEXW|UHU VND DJHUD

KHGHUOLJW UlWWYLVW RFK SURIHVVLRQHOOW W\GOLJJ|UV GHW HPHOOHUWLG DWW VDPPD

NUDY JlOOHU I|U I|UVlNULQJVGLVWULEXW|UHU VRP I|U YlUGHSDSSHUVLQVWLWXW QlU

GH DJHUDU VRP PHOODQPlQ RFK UnGJLYDUH Sn GH ILQDQVLHOOD PDUNQDGHUQD

6RP DQJHV L QlPQGD SURPHPRULD V E|U GHW L DOOPlQKHW VWlOODV

OLNYlUGLJD NUDY L IUnJD RP XSSWUlGDQGHW JHQWHPRW NXQGHU Sn GHQ VRP

XW|YDU I|UVlNULQJVGLVWULEXWLRQ UHVSHNWLYH GULYHU YlUGHSDSSHUVU|UHOVH

Bemyndigande att meddela föreskrifter

'HQ JUXQGOlJJDQGH NYDOLWHWVQLYn Sn YHUNVDPKHWHQ VRP NUDYHW Sn JRG

I|UVlNULQJVGLVWULEXWLRQVVWDQGDUG L GHQ Q\D ODJHQ RP I|UVlNULQJV

GLVWULEXWLRQ VND DYVH E|U SUHFLVHUDV \WWHUOLJDUH L I|UHVNULIWHU Sn OlJUH QLYn

lQ ODJ 'lUI|U E|U UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ

EHVWlPPHU In PHGGHOD I|UHVNULIWHU RP YLOND nWJlUGHU HQ I|UVlNULQJV

GLVWULEXW|U VND YLGWD I|U DWW XSSI\OOD NUDYHW Sn JRG I|UVlNULQJV

GLVWULEXWLRQVVWDQGDUG 3n Vn YLV NDQ GHW DY UHJHOYHUNHW GLUHNW IUDPJn DWW

YLVVD I|UIDUDQGHQ LQWH lU I|UHQOLJD PHG HQ NYDOLWDWLYW WLOOIUHGVVWlOODQGH

VWDQGDUG I|U YHUNVDPKHWHQ /LNQDQGH EHP\QGLJDQGHQ ILQQV UHGDQ L GDJ

Sn I|UVlNULQJVRPUnGHW VH NDS † I|UVlNULQJVU|UHOVHODJHQ

EDQNRPUnGHW VH NDS † ODJHQ RP EDQN RFK ILQDQVLHULQJVU|UHOVH

RFK YlUGHSDSSHUVPDUNQDGVRPUnGHW VH NDS † RFK ODJHQ RP

YlUGHSDSSHUVPDUNQDGHQ

%HP\QGLJDQGHW I|U UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ

EHVWlPPHU DWW PHGGHOD I|UHVNULIWHU E|U lYHQ DYVH YLOND nWJlUGHU VRP

opaginerad 9LOONRU I|U UnGJLYQLQJ Sn JUXQGYDO DY HQ Kontrollera mot PDF

I|UVlNULQJVGLVWULEXW|UHU VND YLGWD I|U DWW XSSI\OOD NUDYHQ Sn RPVRUJVSOLNW DQSDVVQLQJ DY UnGJLYQLQJ VN\OGLJKHW DWW DYUnGD VDPW DWW KDQGOD KHGHUOLJW UlWWYLVW RFK SURIHVVLRQHOOW 'lULJHQRP NDQ GHW VlNHUVWlOODV DWW UHJHOYHUNHW O|SDQGH NDQ DQSDVVDV HIWHU GH VNLIWDQGH I|UKnOODQGHQ VRP I|UHNRPPHU Sn I|UVlNULQJVPDUNQDGHQ |YHU WLGHQ 'HQ EUDQVFKSUD[LV VRP ELOGDWV NULQJ EHJUHSSHW JRG I|UVlNULQJVI|UPHGOLQJVVHG E|U NXQQD JH OHGQLQJ QlU I|UHVNULIWHU WDV IUDP

9LOONRU I|U UnGJLYQLQJ Sn JUXQGYDO DY HQ

RSDUWLVN RFK SHUVRQOLJ DQDO\V

3URPHPRULDQV I|UVODJ (Q I|UVlNULQJVI|UPHGODUH VRP LQIRUPHUDW HQ

NXQG RP DWW UnGJLYQLQJ OlPQDV Sn JUXQGYDO DY HQ RSDUWLVN RFK

SHUVRQOLJ DQDO\V VND YDUD VN\OGLJ DWW OlPQD UnGJLYQLQJHQ HIWHU HQ

DQDO\V DY HWW WLOOUlFNOLJW VWRUW DQWDO I|UVlNULQJVDYWDO Sn PDUNQDGHQ

(Q VnGDQ DQDO\V VND LQWH In RPIDWWD I|UVlNULQJVSURGXNWHU VRP KHOW

HOOHU GHOYLV XWYHFNODWV DY I|UVlNULQJVI|UPHGODUHQ VMlOY HOOHU DY I|UHWDJ

VRP NDQ DQVHV QlUVWnHQGH WLOO I|UPHGODUHQ

2P UnGJLYQLQJ OlPQDV Sn JUXQGYDO DY HQ RSDUWLVN RFK SHUVRQOLJ

DQDO\V VND GHQ LQWH KHOOHU In I|UHJnV HOOHU HIWHUI|OMDV DY LFNH REHUR

HQGH LQYHVWHULQJVUnGJLYQLQJ VRP lU KlQI|UOLJ WLOO VDPPD I|UVlNULQJV

DYWDO

(Q I|UVlNULQJVI|UPHGODUH VRP LQIRUPHUDW NXQGHQ RP DWW UnG

JLYQLQJHQ OlPQDV Sn JUXQGYDO DY HQ RSDUWLVN RFK SHUVRQOLJ DQDO\V VND

LQWH In WD HPRW RFK EHKnOOD HUVlWWQLQJ L VDPEDQG PHG I|UVlNULQJV

GLVWULEXWLRQHQ IUnQ QnJRQ DQQDQ lQ NXQGHQ

)|UEXGHW PRW DWW WD HPRW RFK EHKnOOD HUVlWWQLQJ VND LQWH JlOOD

PLQGUH LFNH PRQHWlUD I|UPnQHU VRP I|UVlNULQJVGLVWULEXW|UHQ KDU

LQIRUPHUDW NXQGHQ RP RFK VRP NDQ K|MD NYDOLWHWHQ Sn WMlQVWHQ WLOO

NXQGHQ RFK VRP lU DY HQ VnGDQ RPIDWWQLQJ RFK DUW DWW GH LQWH NDQ

DQVHV KLQGUD GLVWULEXW|UHQ IUnQ DWW XSSI\OOD VLQD VN\OGLJKHWHU

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU

PHGGHOD I|UHVNULIWHU RP YLOONRU I|U UnGJLYQLQJ VRP OlPQDV Sn

JUXQGYDO DY HQ RSDUWLVN RFK SHUVRQOLJ DQDO\V

6NlOHQ I|U SURPHPRULDQV I|UVODJ

Skärpta villkor för rådgivning på grundval av en opartisk och personlig

analys

2P HQ I|UVlNULQJVI|UPHGODUH KDU LQIRUPHUDW NXQGHQ RP DWW GHQ JHU UnG

Sn JUXQGYDO DY HQ opartisk och personlig analys VND I|UPHGODUHQ JH

GHWWD UnG Sn JUXQGYDO DY HQ DQDO\V DY HWW WLOOUlFNOLJW VWRUW DQWDO

I|UVlNULQJVDYWDO WLOOJlQJOLJD Sn PDUNQDGHQ DUWLNHO L I|UVlNULQJV

GLVWULEXWLRQVGLUHNWLYHW LQIRUPDWLRQVNUDYHW L DUWLNHO F EHKDQGODV

QlUPDUH L DYVQLWW 8QGHUODJHW I|U DQDO\VHQ VND WLOO VLQ RPIDWWQLQJ

YDUD VnGDQW DWW GHW P|MOLJJ|U I|U I|UPHGODUHQ DWW JH HQ SHUVRQOLJ

UHNRPPHQGDWLRQ L HQOLJKHW PHG \UNHVPlVVLJD NULWHULHU RP YLONHW

I|UVlNULQJVDYWDO VRP L WLOOUlFNOLJ XWVWUlFNQLQJ VNXOOH PRWVYDUD NXQGHQV

EHKRY HWW OLNQDQGH NUDY JlOOHU UHGDQ L GDJ I|U I|UVlNULQJVI|UPHGODUH

opaginerad HQOLJW NDS † DQGUD VW\FNHW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ MIU Kontrollera mot PDF

HQOLJW NDS † DQGUD VW\FNHW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ MIU

EHJUHSSHW opartisk

analys L DUWLNHO L I|UVlNULQJVI|UPHGOLQJV

GLUHNWLYHW

(QOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW InU PHGOHPVVWDWHUQD L IUnJD

RP GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU I|UHVNULYD

DWW I|UVlNULQJVI|UPHGODUH VRP LQIRUPHUDU NXQGHU RP DWW UnGJLYQLQJ

WLOOKDQGDKnOOV Sn oberoende grund VND EHG|PD HWW WLOOUlFNOLJW VWRUW DQWDO

DY GH I|UVlNULQJVSURGXNWHU VRP lU WLOOJlQJOLJD Sn PDUNQDGHQ RFK DWW UnG

JLYQLQJHQ LQWH HQGDVW InU LQQHIDWWD I|UVlNULQJVI|UPHGODUHQV HJQD

SURGXNWHU HOOHU SURGXNWHU VRP WLOOKDQGDKnOOV DY I|UHWDJ VRP lU QlUVWnHQGH

WLOO I|UPHGODUHQ DUWLNHO IMlUGH VW\FNHW

0HGOHPVVWDWHUQD InU nOlJJD I|UVlNULQJVGLVWULEXW|UHU VWUlQJDUH NUDY lQ

GHP L GLUHNWLYHW RFK Gn VlUVNLOW \WWHUOLJDUH I|UEMXGD HOOHU EHJUlQVD

HUEMXGDQGH HOOHU PRWWDJDQGH DY HUVlWWQLQJDU IUnQ WUHGMHSDUW DUWLNHO

I|UVWD VW\FNHW L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

, ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ ILQQV XWWU\FNOLJD EHVWlPPHOVHU RP

YlUGHSDSSHUVLQVWLWXWHQV KDQWHULQJ DY LQWUHVVHNRQIOLNWHU NDS †

*HQRP GH EHVWlPPHOVHUQD JHQRPI|UV PRWVYDUDQGH UHJOHU L 0L),' ,

DUWLNHO , GHQ ODJHQ ILQQV GHW GRFN LQWH QnJRQ GLUHNW PRWVYDULJKHW WLOO

GHW QXYDUDQGH NUDYHW L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ NDS † DQGUD

VW\FNHW Sn DWW HQ I|UPHGODUH lU VN\OGLJ DWW OlPQD UnGJLYQLQJHQ HIWHU HQ

DQDO\V DY HWW WLOOUlFNOLJW VWRUW DQWDO I|UVlNULQJVDYWDO Sn PDUNQDGHQ RP

I|UPHGODUH KDU LQIRUPHUDW NXQGHQ RP DWW KDQ HOOHU KRQ OlPQDU UnGJLYQLQJ

Sn JUXQGYDO DY HQ RSDUWLVN DQDO\V , 0L),' ,, ILQQV GHW HPHOOHUWLG HWW

OLNQDQGH NUDY I|U YlUGHSDSSHUVI|UHWDJ DUWLNHO D VRP LQQHElU DWW QlU

HWW YlUGHSDSSHUVI|UHWDJ KDU LQIRUPHUDW NXQGHQ RP DWW LQYHVWHULQJVUnG

JLYQLQJHQ OlPQDV

Sn oberoende grund VND I|UHWDJHW EHG|PD HWW

WLOOUlFNOLJW VWRUW XUYDO DY ILQDQVLHOOD LQVWUXPHQW VRP LQWH VND YDUD

EHJUlQVDW WLOO LQVWUXPHQW VRP XWIlUGDWV DY I|UHWDJHW VMlOYW HOOHU I|UHWDJ

VRP GHW KDU QlUD I|UELQGHOVHU PHG bYHQ RP 0L),' ,, WLOO VNLOOQDG IUnQ

I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW lU HWW IXOOKDUPRQLVHULQJVGLUHNWLY InU

PHGOHPVVWDWHUQD WURWV GHW L XQGDQWDJVIDOO LQI|UD \WWHUOLJDUH NUDY I|U

YlUGHSDSSHUVI|UHWDJ QlU GHW JlOOHU LQYHVWHUDUVN\GG 6nGDQD NUDY PnVWH

GRFN YDUD REMHNWLYW PRWLYHUDGH RFK SURSRUWLRQHOOD I|U DWW KDQWHUD

VSHFLILND ULVNHU I|U LQYHVWHUDUVN\GGHW HOOHU PDUNQDGVLQWHJULWHWHQ VRP lU

VlUVNLOW YLNWLJD I|U GHQ DNWXHOOD PHGOHPVVWDWHQV PDUNQDGVVWUXNWXU DUWLNHO

, SURS 1\D UHJOHU RP PDUNQDGHU I|U ILQDQVLHOOD

LQVWUXPHQW 0L),' ,, RFK 0L),5 I|UHVOnU UHJHULQJHQ DWW P|MOLJKHWHQ L

0L),' ,, DWW LQI|UD \WWHUOLJDUH NUDY XWQ\WWMDV (QOLJW I|UVODJHW VND HWW

YlUGHSDSSHUVLQVWLWXW VRP KDU LQIRUPHUDW NXQGHQ RP DWW LQYHVWHULQJV

UnGJLYQLQJHQ OlPQDV Sn REHURHQGH JUXQG EHG|PD HWW WLOOUlFNOLJW VWRUW RFK

GLYHUVLILHUDW XUYDO DY ILQDQVLHOOD LQVWUXPHQW VRP lU WLOOJlQJOLJD Sn

PDUNQDGHQ I|U DWW VlNHUVWlOOD DWW NXQGHQV LQYHVWHULQJVPnO Sn OlPSOLJW VlWW

NDQ WLOOJRGRVHV V ± 9lUGHSDSSHUVLQVWLWXWHW InU L GHQ

YHUNVDPKHWHQ LQWH OlPQD UnG RP SURGXNWHU SURGXFHUDGH DY LQVWLWXWHW HOOHU

DY I|UHWDJ VRP LQVWLWXWHW KDU QlUD I|UELQGHOVHU PHG 6RP VNlO I|U

I|UVODJHW DQI|UV EO D DWW )LQDQVLQVSHNWLRQHQ L HWW DQWDO UDSSRUWHU SnWDODW

DWW I|UHWDJHQV HJQD SURGXNWHU RIWD JHU HQ K|JUH PDUJLQDO VRP JHU ElWWUH

LQWMlQLQJ WLOO GHW UnGJLYDQGH I|UHWDJHW RFK DWW GHWWD L SULQFLS VNDSDU

VDPPD LQFLWDPHQW

VRP YLG SURYLVLRQVGULYHQ UnGJLYQLQJ GYV DWW

opaginerad UnGJLYDUQD KDU LQFLWDPHQW DWW UHNRPPHQGHUD GH HJQD SURGXNWHUQD IUDPI|U DQGUD VH VDPPD SURS Kontrollera mot PDF

UnGJLYDUQD KDU LQFLWDPHQW DWW UHNRPPHQGHUD GH HJQD SURGXNWHUQD IUDPI|U DQGUD VH VDPPD SURS

6RP IUDPJnU RYDQ DQYlQGV L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW EH JUHSSHW opartisk och personlig analys EHWUlIIDQGH UnGJLYQLQJ RP I|UVlNULQJVSURGXNWHU L DOOPlQKHW RFK EHJUHSSHW oberoende grund HIWHU I|UHELOG DY 0L),' ,, QlU UnGJLYQLQJHQ DYVHU I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU 'HQ VDNOLJD LQQHE|UGHQ DY EHJUHSSHQ WRUGH L

KXYXGVDN YDUD GHQVDPPD , GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ E|U EHJUHSSHW opartisk och personlig analys DQYlQGDV RDYVHWW YLONHQ W\S DY I|UVlNULQJVSURGXNWHU UnGJLYQLQJHQ DYVHU 'lULJHQRP EHKnOOV HQ WHUPLQRORJL OLNQDQGH GHQ QXYDUDQGH L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ RSDUWLVN DQDO\V NDS † DQGUD VW\FNHW 6DPWLGLJW EHG|PV GHWWD EHJUHSS Sn HWW W\GOLJDUH VlWW PDUNHUD VNLOMHOLQMHQ PHOODQ UnGJLYQLQJ DYVHHQGH I|UVlNULQJ UHVSHNWLYH LQYHVWHULQJVUnGJLYQLQJ HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ MIU Sn REHURHQGH JUXQG 'HW EHVNULYHU RFNVn Sn HWW ElWWUH VlWW GHQ W\S DY WMlQVW VRP DYVHV

5HJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO RP KXU RPIDWWDQGH I|UPHGODUHQV PDUNQDGVDQDO\V VND YDUD YLG RSDUWLVN RFK SHUVRQOLJ UnGJLYQLQJ E|U JHQRPI|UDV L PRWVYDUDQGH EHVWlPPHOVHU L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ 'HW ILQQV HPHOOHUWLG VNlO DWW KlUXW|YHU Sn PRWVYDUDQGH VlWW VRP YLG LQYHVWHULQJVUnGJLYQLQJ Sn REHURHQGH JUXQG \WWHUOLJDUH VWlUND NXQGVN\GGHW YLG UnGJLYQLQJ DYVHHQGH I|UVlNULQJVDYWDO VRP OlPQDV Sn JUXQGYDO DY HQ RSDUWLVN RFK SHUVRQOLJ DQDO\V , GHQ Q\D ODJHQ E|U GHW GlUI|U L HQOLJKHW PHG GHW DQI|UGD LQI|UDV HWW I|UEXG PRW DWW OlPQD UnGJLYQLQJ Sn JUXQGYDO DY HQ RFK RSDUWLVN RFK SHUVRQOLJ DQDO\V QlU GHW JlOOHU I|UVlNULQJVSURGXNWHU VRP KHOW HOOHU GHOYLV XWYHFNODWV DY I|UVlNULQJVI|UPHGODUHQ DY I|UHWDJ VRP I|UVlNULQJV I|UPHGODUHQ KDU QlUD I|UELQGHOVHU PHG HOOHU DY DQGUD I|UHWDJ WLOO YLOND I|UPHGODUHQ KDU HWW VnGDQW UlWWVOLJW HOOHU HNRQRPLVNW I|UKnOODQGH DWW GHW

NDQ ULVNHUD I|UXWVlWWQLQJDUQD I|U UnGJLYQLQJ Sn JUXQGYDO DY HQ RSDUWLVN RFK SHUVRQOLJ DQDO\V EHWUlIIDQGH EHJUHSSHW nära förbindelser VH NDS † VDPW DYVQLWW

(WW VnGDQW I|UEXG JnU YLVVHUOLJHQ OlQJUH lQ YDG VRP DQJHV L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO IMlUGH VW\FNHW , GLUHNWLYHW DQJHV EO D DWW UnGJLYQLQJHQ LQWH HQGDVW InU LQQHIDWWD I|UVlNULQJV I|UPHGODUHQV HJQD SURGXNWHU HOOHU SURGXNWHU VRP WLOOKDQGDKnOOV DY I|UHWDJ VRP lU QlUVWnHQGH WLOO I|UPHGODUHQ 6RP IUDPJnU RYDQ JHU GRFN GLUHNWLYHW DUWLNHO I|UVWD VW\FNHW PHGOHPVVWDWHUQD UlWW DWW nOlJJD I|UVlNULQJVGLVWULEXW|UHU VnGDQD VWUlQJDUH NUDY )|UEXGHW NDQ GlUI|U LQWH DY GHW VNlOHW DQVHV VWn L VWULG PHG GLUHNWLYHW )|UEXGHW JnU OlQJUH lQ I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW lYHQ Sn Vn VlWW DWW GHW RPIDWWDU DOOD I|UVlNULQJVSURGXNWHU LQWH HQGDVW I|UVlNULQJVEDVHUDGH LQYHVWHULQJV SURGXNWHU 'HW ILQQV HPHOOHUWLG LQWH VNlO DWW OnWD PLQGUH VWUlQJD NXQGVN\GGVUHJOHU JlOOD I|U UnGJLYQLQJ VRP XSSJHV YDUD RSDUWLVN RP GHQ DYVHU DQGUD I|UVlNULQJVSURGXNWHU lQ I|UVlNULQJVEDVHUDGH LQYHVWHULQJV SURGXNWHU bYHQ L GHQQD GHO lU GHQ VWUlQJDUH UHJOHULQJHQ L I|UKnOODQGH WLOO I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW WLOOnWHQ HIWHUVRP GLUHNWLYHW HQGDVW V\IWDU WLOO DWW XSSQn HQ PLQLPLJUDG DY KDUPRQLVHULQJ VH VNlO

'H VNlO VRP WDODU I|U HQ LQVNUlQNQLQJ DY P|MOLJKHWHQ I|U YlUGHSDSSHUV

LQVWLWXW DWW OlPQD LQYHVWHULQJVUnGJLYQLQJ Sn REHURHQGH JUXQG WLOO DWW DYVH

HQGDVW ILQDQVLHOOD LQVWUXPHQW VRP KDU XWIlUGDWV DY QnJRQ DQQDQ lQ

opaginerad UnGJLYDUQD KDU LQFLWDPHQW DWW UHNRPPHQGHUD GH HJQD SURGXNWHUQD IUDPI|U DQGUD VH VDPPD SURS Kontrollera mot PDF

LQVWLWXWHW VMlOYW HOOHU QnJRQ VRP GHW KDU QlUD I|UELQGHOVHU PHG J|U VLJ VMlOYIDOOHW JlOODQGH lYHQ L IUnJD RP UnGJLYQLQJ DYVHHQGH I|UVlNULQJV DYWDO (Q PRWVYDUDQGH LQVNUlQNQLQJ DY P|MOLJKHWHQ WLOO UnGJLYQLQJ Sn JUXQGYDO DY HQ RSDUWLVN RFK SHUVRQOLJ DQDO\V JHQRP HWW I|UEXG PRW DWW WLOOKDQGDKnOOD V N HJQD SURGXNWHU PLQVNDU Sn VDPPD VlWW ULVNHQ I|U LQWUHVVHNRQIOLNWHU Sn I|UVlNULQJVRPUnGHW

Förbud mot viss investeringsrådgivning i samband med rådgivning avseende försäkringsavtal på grundval av en opartisk och personlig analys

)|U DWW \WWHUOLJDUH VWlUND NXQGVN\GGHW YLG UnGJLYQLQJ RP I|UVlNULQJVDYWDO VRP XSSJHV YDUD RSDUWLVN RFK SHUVRQOLJ E|U GHW HQOLJW GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ lYHQ JlOOD HWW I|UEXG PRW DWW UnGJLYQLQJ VRP OlPQDV Sn JUXQGYDO DY HQ RSDUWLVN RFK SHUVRQOLJ DQDO\V I|UHJnV HOOHU HIWHUI|OMV DY LFNH REHURHQGH LQYHVWHULQJVUnGJLYQLQJ DYVHHQGH VDPPD I|UVlNULQJVDYWDO bYHQ HWW VnGDQW I|UEXG ELGUDU WLOO W\GOLJKHW I|U NXQGHUQD 'HW UHGXFHUDU VDPWLGLJW ULVNHQ I|U LQWUHVVHNRQIOLNWHU L GHQ LQYHVWHULQJVUnGJLYQLQJ VRP JHV DYVHHQGH I|UVlNULQJVDYWDOHW

'H IOHVWD NXQGHU EHILQQHU VLJ L HWW LQIRUPDWLRQV RFK NXQVNDSV XQGHUOlJH L I|UKnOODQGH WLOO GH VRP WLOOKDQGDKnOOHU UnGJLYQLQJ RFK GHW lU DY VW|UVWD YLNW DWW NXQGHU LQWH ULVNHUDU DWW EOL YLOVHOHGGD RP UnGJLYQLQJHQV NDUDNWlU 'HQ NXQG VRP KDU InWW HOOHU VND In HQ RSDUWLVN RFK SHUVRQOLJ UnGJLYQLQJ RP HQ I|UVlNULQJ E|U GlUI|U NXQQD XWJn IUnQ DWW lYHQ GHQ LQYHVWHULQJVUnGJLYQLQJ VRP HUEMXGV L DQVOXWQLQJ WLOO GHQQD lU REHURHQGH RFK IUL IUnQ LQWUHVVHNRQIOLNWHU *HQRP GHW I|UEXG VRP QX I|UHVOnV PLQVNDU ULVNHQ DWW NXQGHQ I|UYl[ODU HOOHU PLVVI|UVWnU UnGJLYQLQJHQ I|U GHW IDOO I|UPHGODUHQ HUEMXGHU EnGH I|UVlNULQJV RFK LQYHVWHULQJVUnGJLYQLQJ DYVHHQGH HWW RFK VDPPD I|UVlNULQJVDYWDO 'HW I|UHVODJQD I|UEXGHW lU EHIRJDW XU HWW NXQGVN\GGVSHUVSHNWLY RFK GHW EHG|PV LQWH KHOOHU VWULGD PRW XQLRQVUlWWHQ HOOHU I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW MIU VNlO WLOO GLUHNWLYHW

Förutsättningar för en ny typ rådgivningsmarknad att växa fram

, GDJVOlJHW H[LVWHUDU L VWRUW VHWW LQWH QnJUD I|UVlNULQJVI|UPHGODUH Sn GHQ VYHQVND PDUNQDGHQ VRP HUEMXGHU HQ UnGJLYQLQJ VRP NDQ EHWHFNQDV VRP KHOW RSDUWLVN 'H I|UVODJ VRP OlPQDV RYDQ EHG|PV GRFN I|UElWWUD I|UXWVlWWQLQJDUQD I|U HQ VnGDQ W\S DY UnGJLYQLQJ DWW HWDEOHUD VLJ Sn PDUNQDGHQ (Q UnGJLYQLQJ VRP HQEDUW XWJnU IUnQ NXQGHQV LQWUHVVH VNXOOH LQQHElUD DWW NRQNXUUHQVHQ Sn UnGJLYQLQJVPDUNQDGHQ IUlPMDV JHQRP HQ P|MOLJKHW I|U KHOW IULVWnHQGH I|UPHGODUH DWW In HQ PHU IUDPWUlGDQGH UROO $WW GHW L GDJ LQWH ILQQV QnJUD VnGDQD I|UPHGODUH NDQ LQWH DQVHV YDUD HWW DUJXPHQW I|U DWW GHW LQWH VNXOOH ILQQDV WLOOUlFNOLJD VNlO I|U DWW W H[ LQI|UD HWW I|UEXG PRW DWW OlPQD UnG RP HJQD SURGXNWHU YLG I|UVlNULQJV UnGJLYQLQJ Sn JUXQGYDO DY HQ RSDUWLVN RFK SHUVRQOLJ DQDO\V $YVDNQDGHQ DY KHOW ´IULVWnHQGH´ I|UPHGODUH NDQ P\FNHW YlO GHOYLV YDUD HQ I|OMG DY DWW GHW L GDJ LQWH ILQQV QnJRQ NRQNXUUHQVI|UGHO PHG DWW WLOOKDQGDKnOOD KHOW RSDUWLVN UnGJLYQLQJ RP I|UVlNULQJ HIWHUVRP I|UPHGODUH L GDJ LQWH lU I|UKLQGUDGH DWW DQYlQGD WHUPHQ ´RSDUWLVN DQDO\V´ RP VLQ UnGJLYQLQJV YHUNVDPKHW WURWV DWW GHW I|UHNRPPHU LQWUHVVHNRQIOLNWHU L GHQ YHUNVDP

KHWHQ 6RP DQI|UV RYDQ EHG|PV GH LQVNUlQNQLQJDU VRP QX I|UHVOnV QlU

opaginerad Bemyndigande Kontrollera mot PDF

GHW JlOOHU UnGJLYQLQJ Sn JUXQGYDO DY HQ RSDUWLVN RFK SHUVRQOLJ DQDO\V NXQQD ELGUD WLOO DWW HQ KHOW RSDUWLVN UnGJLYQLQJ Yl[HU IUDP MIU lYHQ SURS V ±

+RV I|UVlNULQJVI|UHWDJ WRUGH GHW LQWH ILQQDV LQFLWDPHQW DWW HUEMXGD RSDUWLVN RFK SHUVRQOLJ UnGJLYQLQJ Sn VDPPD VlWW VRP KRV I|UVlNULQJV I|UPHGODUH )|UVlNULQJVI|UHWDJHQ GLVWULEXHUDU KXYXGVDNOLJHQ HJQD I|U VlNULQJVSURGXNWHU RFK L YLVVD IDOO SURGXNWHU VRP WLOOKDQGDKnOOV DY QlUVWnHQGH I|UHWDJ 'HW ILQQV GlUI|U LQWH VNlO DWW L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ VWlOOD XSS VDPPD I|UEXG I|U I|UVlNULQJVI|UHWDJ VRP GHW VRP I|UHVOnV I|U I|UVlNULQJVI|UPHGODUH 'lUHPRW E|U HWW I|UVlNULQJVI|UHWDJ VRP EHWHFNQDU VLQ UnGJLYQLQJ RP HJQD SURGXNWHU VRP RSDUWLVN DQVHV DJHUD L VWULG PHG GHW NUDY Sn JRG I|UVlNULQJVGLVWULEXWLRQV VWDQGDUG VRP I|UHVOnV

, VDPPDQKDQJHW VND YLGDUH XQGHUVWU\NDV DWW GHW VRP QX I|UHVOnV LQWH HQGDVW NRPPHU DWW YDUD WLOOlPSOLJW QlU UnGJLYQLQJHQ XWWU\FNOLJHQ EHWHFNQDV VRP UnGJLYQLQJ Sn JUXQGYDO DY HQ RSDUWLVN RFK SHUVRQOLJ DQDO\V 'HW E|U VMlOYIDOOHW YDUD JlOOD lYHQ I|U GHW IDOO I|UVlNULQJV I|UPHGODUHQ L DQGUD RUGDODJ EHVNULYHU UnGJLYQLQJHQ VRP ´IULVWnHQGH´ HOOHU OLNQDQGH L I|UKnOODQGH WLOO WUHGMHSDUW 'HW E|U RFNVn JlOOD RP I|UVlNULQJVI|UPHGODUHQ L DQVOXWQLQJ WLOO UnGJLYQLQJHQ EHVNULYHU VLJ VMlOY HOOHU VLQ YHUNVDPKHW VRP IULVWnHQGH REHURHQGH HOOHU RSDUWLVN HOOHU RP I|UPHGODUHQ XWWU\FNHU VLJ Sn QnJRW DQQDW VlWW VRP NDQ JH NXQGHQ XSSIDWWQLQJHQ DWW lYHQ UnGJLYQLQJHQ NRPPHU DWW OlPQDV HOOHU KDU OlPQDWV Sn JUXQGYDO DY HQ RSDUWLVN RFK SHUVRQOLJ DQDO\V

'HW E|U HPHOOHUWLG IUDPKnOODV DWW GHW VRP I|UHVOnV lU DYVHWW DWW UHJOHUD tjänsten UnGJLYQLQJ QlU GHQ WLOOKDQGDKnOOV Sn JUXQGYDO DY HQ RSDUWLVN RFK SHUVRQOLJ DQDO\V RFK LQWH DWW IDVWVWlOOD HQ GHILQLWLRQ HQ Q\ W\S DY DNW|U Sn I|UVlNULQJVPDUNQDGHQ HQ RSDUWLVN I|UVlNULQJVUnGJLYDUH )|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW PHGJHU L OLNKHW PHG QXYDUDQGH UHJOHULQJ DWW HWW RFK VDPPD I|UVlNULQJVI|UPHGOLQJVI|UHWDJ WLOOKDQGDKnOOHU VnYlO RSDUWLVN VRP LFNH RSDUWLVN UnGJLYQLQJ

0RWVYDUDQGH I|UKnOODQGHQ JlOOHU lYHQ I|U YlUGHSDSSHUVI|UHWDJ HQOLJW 0L),' ,, QlU GHW JlOOHU P|MOLJKHWHQ DWW XWI|UD LQYHVWHULQJVUnGJLYQLQJ EnGH Sn REHURHQGH JUXQG RFK LFNH REHURHQGH JUXQG VH SURS V

Bemyndigande

0L),' ,, NRPSOHWWHUDV EO D DY NRPPLVVLRQHQV GHOHJHUDGH I|URUGQLQJ (8 DY GHQ DSULO &> @ ILQDO RP NRPSOHWWHULQJ DY 0L),' ,, YDG JlOOHU RUJDQLVDWRULVND NUDY RFK YLOONRU I|U YHUNVDPKHWHQ L YlUGHSDSSHUVI|UHWDJ RFK GHILQLWLRQHU I|U WLOOlPSQLQJ DY GHW GLUHNWLYHW , GHQ GHOHJHUDGH I|URUGQLQJHQ VWlOOV VlUVNLOGD NUDY XSS I|U GH YlUGHSDS SHUVI|UHWDJ VRP WLOOKDQGDKnOOHU LQYHVWHULQJVUnGJLYQLQJ EnGH Sn REHURHQGH JUXQG RFK LFNH REHURHQGH JUXQG (QOLJW I|URUGQLQJHQ VND HWW YlUGHSDSSHUVI|UHWDJ VRP WLOOKDQGDKnOOHU LQYHVWHULQJVUnGJLYQLQJ Sn EnGH REHURHQGH RFK LFNH REHURHQGH JUXQG EO D L JRG WLG LQQDQ GHW WLOOKDQGD KnOOHU VLQD WMlQVWHU Sn HWW YDUDNWLJW PHGLXP KD LQIRUPHUDW VLQD NXQGHU RP UnGJLYQLQJHQ NRPPHU DWW YDUD REHURHQGH HOOHU LFNH REHURHQGH MIU DUWLNHO F L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW )|UHWDJHW VND YLGDUH KD LQI|UW

DGHNYDWD RUJDQLVDWRULVND NUDY RFK NRQWUROOHU I|U DWW VH WLOO DWW EnGD W\SHU

opaginerad JHUDGH I|URUGQLQJHQ Kontrollera mot PDF

DY UnGJLYQLQJVWMlQVWHU RFK UnGJLYDUH lU NODUW VNLOGD IUnQ YDUDQGUD RFK DWW

NXQGHUQD LQWH ULVNHUDU DWW I|UYl[OD GHQ UnGJLYQLQJ VRP GH InU VDPW DWW

NXQGHUQD JHV GHQ W\S DY UnGJLYQLQJ VRP lU OlPSOLJ I|U GHP 9lUGH

SDSSHUVI|UHWDJHW VND YLGDUH LQWH WLOOnWD HQ I\VLVN SHUVRQ DWW WLOOKDQGDKnOOD

EnGH REHURHQGH RFK LFNH REHURHQGH UnGJLYQLQJ DUWLNHO L GHQ GHOH

JHUDGH I|URUGQLQJHQ

.RPPLVVLRQHQ KDU LQWH EHIRJHQKHW DWW DQWD GHOHJHUDGH DNWHU QlU GHW

JlOOHU UHJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RP UnGJLYQLQJ Sn

JUXQGYDO DY HQ RSDUWLVN RFK SHUVRQOLJ DQDO\V (QOLJW SURPHPRULDQV

EHG|PQLQJ E|U GH EHVWlPPHOVHU RP VnGDQ UnGJLYQLQJ VRP I|UHVOnV L GHQ

Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ SUHFLVHUDV \WWHUOLJDUH L I|UHVNULIWHU

Sn HQ OlJUH QLYn lQ ODJ 5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ

EHVWlPPHU E|U GlUI|U In PHGGHOD I|UHVNULIWHU RP YLOONRU I|U UnGJLYQLQJ

VRP OlPQDV Sn JUXQGYDO DY HQ RSDUWLVN RFK SHUVRQOLJ DQDO\V 9LG

XWIRUPQLQJHQ DY VnGDQD I|UHVNULIWHU E|U OHGQLQJ NXQQD KlPWDV IUnQ GHQ

GHOHJHUDGH I|URUGQLQJ VRP NRPSOHWWHUDU UHJOHUQD L 0L),' ,, RP

LQYHVWHULQJVUnGJLYQLQJ Sn REHURHQGH JUXQG (Q VnGDQ O|VQLQJ PRWLYHUDV

DY DWW GHW lU IUnJD RP OLNDUWDGH YHUNVDPKHWHU VRP E|U UHJOHUDV Sn HWW

OLNDUWDW VlWW 'HW E|U GRFN EHDNWDV DWW UHJOHUQD L GHW GHOHJHUDGH GLUHNWLYHW

DYVHU YlUGHSDSSHUVLQVWLWXW RFK GH VlUVNLOGD I|UKnOODQGHQ VRP UnGHU Sn

YlUGHSDSSHUVPDUNQDGHQ

Provisionsförbud vid rådgivning om försäkring som lämnas på grundval

av en opartisk och personlig analys

, I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW ILQQV LQIRUPDWLRQV RFK KDQGOLQJV

UHJOHU VRP lU KlQI|UOLJD WLOO UnGJLYQLQJ Sn JUXQGYDO DY HQ RSDUWLVN RFK

SHUVRQOLJ DQDO\V DUWLNODUQD F RFK DUWLNHO >REHURHQGH

JUXQG@ 6RP IUDPJnU RYDQ ILQQV L 0L),' ,, OLNQDQGH UHJOHU L IUnJD RP

LQYHVWHULQJVUnGJLYQLQJ VRP OlPQDV Sn REHURHQGH JUXQG 0L),' ,,

LQQHKnOOHU HPHOOHUWLG lYHQ HWW I|UEXG PRW WUHGMHSDUWVHUVlWWQLQJ QlU HWW

YlUGHSDSSHUVI|UHWDJ WLOOKDQGDKnOOHU LQYHVWHULQJVUnGJLYQLQJ Sn REHURHQGH

JUXQG HOOHU SRUWI|OMI|UYDOWQLQJ DUWLNHO E RFK 1nJRW

PRWVYDUDQGH I|UEXG PRW WUHGMHSDUWVHUVlWWQLQJDU YLG UnGJLYQLQJ Sn

JUXQGYDO DY HQ RSDUWLVN RFK SHUVRQOLJ DQDO\V ILQQV LQWH L I|UVlNULQJV

GLVWULEXWLRQVGLUHNWLYHW (QOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW InU GRFN

PHGOHPVVWDWHUQD EHJUlQVD HOOHU I|UEMXGD JRGWDJDQGH HOOHU PRWWDJDQGH DY

DUYRGH SURYLVLRQHU HOOHU DQGUD PRQHWlUD HUVlWWQLQJDU HOOHU LFNH PRQHWlUD

HUVlWWQLQJDU VRP XWEHWDODV WLOO HOOHU WLOOKDQGDKnOOV I|UVlNULQJV

GLVWULEXW|UHUQD DY QnJRQ WUHGMHSDUW HOOHU DY HQ SHUVRQ VRP DJHUDU I|U

WUHGMHSDUWV UlNQLQJ L VDPEDQG PHG GLVWULEXWLRQ DY I|UVlNULQJVSURGXNWHU

DUWLNHO

6DPPDQIDWWQLQJVYLV LQQHElU GH QX DNWXHOOD UHJOHUQD L 0L),' ,, DWW HWW

YlUGHSDSSHUVI|UHWDJ VRP KDU LQIRUPHUDW NXQGHQ RP DWW UnGJLYQLQJHQ

VNHU Sn REHURHQGH JUXQG LQWH InU WD HPRW RFK EHKnOOD HUVlWWQLQJ VRP

XWEHWDODV HOOHU WLOOKDQGDKnOOV DY QnJRQ WUHGMHSDUW HOOHU DY HQ SHUVRQ VRP

DJHUDU I|U WUHGMHSDUWV UlNQLQJ L IUnJD RP WMlQVWHQ 0LQGUH LFNH PRQHWlUD

HUVlWWQLQJDU VRP lU DY HQ VnGDQ NDUDNWlU DWW GH NDQ K|MD NYDOLWHWHQ Sn

WMlQVWHQ RFK lU DY HQ VnGDQ VWRUOHN RFK DUW DWW GH LQWH NDQ DQVHV SnYHUND

I|UHWDJHWV VN\OGLJKHW DWW DJHUD L NXQGHQV LQWUHVVH InU WDV HPRW PHQ GH

PnVWH UHGRYLVDV I|U NXQGHQ 6DPPD I|UEXG DWW LQWH In WD HPRW RFK

EHKnOOD HUVlWWQLQJDU IUnQ WUHGMHSDUW HOOHU DY HQ SHUVRQ VRP DJHUDU I|U

opaginerad JHUDGH I|URUGQLQJHQ Kontrollera mot PDF

WUHGMHSDUWV UlNQLQJ L IUnJD RP WMlQVWHQ JlOOHU lYHQ YLG SRUWI|OM I|UYDOWQLQJ , GHW GHOHJHUDGH GLUHNWLYHW WLOO 0L),' ,, DUWLNHO ILQQV UHJOHU RP |YHUI|ULQJ WLOO NXQGHQ DY HUVlWWQLQJDU HOOHU I|UPnQHU VRP HWW YlUGHSDSSHUVLQVWLWXW LQWH InU EHKnOOD L VDPEDQG PHG DWW GHW WLOOKDQGDKnOOHU LQYHVWHULQJVUnGJLYQLQJ Sn REHURHQGH JUXQG HOOHU SRUWI|OMI|UYDOWQLQJ VDPW RP VnGDQD PLQGUH LFNH PRQHWlUD I|UPnQHU HWW LQVWLWXW InU WD HPRW RFK EHKnOOD lYHQ YLG VnGDQD LQYHVWHULQJVWMlQVWHU

5HJHULQJHQ KDU Q\OLJHQ I|UHVODJLW DWW QlPQGD UHJOHU L 0L),' ,, VND JHQRPI|UDV L VYHQVN UlWW L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ RFK DWW GHW GHOHJHUDGH GLUHNWLYHW WLOO 0L),' ,, VND JHQRPI|UDV L P\QGLJKHWV I|UHVNULIWHU SURS V , GHW VDPPDQKDQJHW NRQVWDWHUDU UHJHULQJHQ EO D DWW GHW ILQQV EHW\GDQGH XWPDQLQJDU Sn PDUNQDGHQ I|U UnGJLYQLQJ QlU GHW JlOOHU LQWUHVVHNRQIOLNWHU RFK WUHGMHSDUWVHUVlWWQLQJDU 9LGDUH NRQVWDWHUDV DWW )LQDQVLQVSHNWLRQHQ L VLQ WLOOV\QVYHUNVDPKHW VlUVNLOW XSSPlUNVDPPDW SUREOHP KlQI|UOLJD WLOO I|UVlNULQJVI|UPHGOLQJ L VDPEDQG PHG UnGJLYQLQJ NULQJ OLYI|UVlNULQJDU PHG VSDUDQGHPRPHQW GYV I|UVlNULQJDU YDUV YlUGH EDVHUDV Sn ILQDQVLHOOD LQVWUXPHQW W H[ GHSn RFK IRQGI|UVlNULQJDU

bYHQ L SURPHPRULDQ 6WlUNW NRQVXPHQWVN\GG YLG I|UVlNULQJVI|UPHG OLQJ QRWHUDV DWW )LQDQVLQVSHNWLRQHQ YLG XSSUHSDGH WLOOIlOOHQ XSSPlUN VDPPDW SUREOHP Sn I|UVlNULQJVUnGJLYQLQJVPDUNQDGHQ VRP lU KlQI|UOLJD WLOO WUHGMHSDUWVHUVlWWQLQJDU VH V ±

'HW NDQ PHG KlQV\Q WLOO GHW DQI|UGD NRQVWDWHUDV DWW GHW Sn I|UVlNULQJV RPUnGHW ILQQV HWW EHKRY DY HQ UHJOHULQJ DYVHHQGH WUHGMHSDUWVHUVlWWQLQJDU YLG UnGJLYQLQJ Sn JUXQGYDO DY HQ RSDUWLVN RFK SHUVRQOLJ DQDO\V PRW VYDUDQGH GHQ UHJOHULQJ VRP PHG DQOHGQLQJ DY JHQRPI|UDQGHW L VYHQVN UlWW DY 0L),' ,, KDU I|UHVODJLWV I|U YlUGHSDSSHUVLQVWLWXW YLG LQYHVWHULQJV UnGJLYQLQJ Sn REHURHQGH JUXQG 9LG JHQRPI|UDQGHW DY I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW E|U GlUI|U UHJOHUQD L GHW GLUHNWLYHW RP UnGJLYQLQJ Sn JUXQGYDO DY HQ SHUVRQOLJ RFK RSDUWLVN DQDO\V NRPSOHWWHUDV PHG HWW I|UEXG L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ PRW DWW WD HPRW RFK EHKnOOD HUVlWWQLQJ IUnQ WUHGMHPDQ YLG VnGDQ UnGJLYQLQJ )|UEXGHW L ODJHQ E|U LQWH RPIDWWD PLQGUH LFNH PRQHWlUD I|UPnQHU VRP I|UVlNULQJV GLVWULEXW|UHQ KDU LQIRUPHUDW NXQGHQ RP RFK VRP NDQ K|MD NYDOLWHWHQ Sn WMlQVWHQ WLOO NXQGHQ RFK VRP lU DY HQ VnGDQ RPIDWWQLQJ RFK DUW DWW GH LQWH NDQ DQVHV KLQGUD GLVWULEXW|UHQ IUnQ DWW XSSI\OOD VLQD JUXQGOlJJDQGH VN\OGLJKHWHU JHQWHPRW NXQGHQ *HQRP GHW I|UVODJHW XSSQnV lYHQ L GHW QX DNWXHOOD KlQVHHQGHW OLNDUWDGH UHJOHU I|U GH DNW|UHU VRP YHUNDU Sn I|UVlNULQJVRPUnGHW UHVSHNWLYH YlUGHSDSSHUVPDUNQDGVRPUnGHW

'HW SURYLVLRQVI|UEXG VRP HQOLJW I|UVODJHW L GHQQD SURPHPRULD VND JlOOD HQOLJW L ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ YLG UnGJLYQLQJ VRP OlPQDV Sn JUXQGYDO DY HQ RSDUWLVN RFK SHUVRQOLJ DQDO\V E|U SUHFLV VRP GHW SURYLVLRQVI|UEXG VRP Q\OLJHQ KDU I|UHVODJLWV L ODJHQ RP YlUGH SDSSHUVPDUNQDGHQ SUHFLVHUDV \WWHUOLJDUH L P\QGLJKHWVI|UHVNULIWHU 6nGDQD I|UHVNULIWHU E|U In PHGGHODV LQRP UDPHQ I|U GHW EHP\QGLJDQGH VRP I|UHVOnV QlU GHW JlOOHU I|UHVNULIWHU RP YLOONRU I|U UnGJLYQLQJ VRP OlPQDV Sn JUXQGYDO DY HQ RSDUWLVN RFK SHUVRQOLJ DQDO\V VH RYDQ 9LG XWIRUPQLQJHQ DY I|UHVNULIWHUQD E|U OHGQLQJ NXQQD KlPWDV IUnQ UHJOHUQD L GHW GHOHJHUDGH GLUHNWLYHW WLOO 0L),' ,, RP WUHGMHSDUWVHUVlWWQLQJDU YLG LQYHVWHULQJVUnGJLYQLQJ Sn REHURHQGH JUXQG 'HW E|U GRFN EHDNWDV DWW

opaginerad (UVlWWQLQJDU WLOO RFK IUnQ WUHGMHSDUW YLG DOO IRUP DY I|UVlNULQJVGLVWULEXWLRQ Kontrollera mot PDF

UHJOHUQD L GHW GHOHJHUDGH GLUHNWLYHW WLOO 0L),' ,, DYVHU YlUGHSDSSHUV LQVWLWXW RFK GH I|UKnOODQGHQ VRP UnGHU Sn YlUGHSDSSHUVPDUNQDGHQ

(UVlWWQLQJDU WLOO RFK IUnQ WUHGMHSDUW YLG DOO IRUP DY I|UVlNULQJVGLVWULEXWLRQ

3URPHPRULDQV I|UVODJ (Q I|UVlNULQJVGLVWULEXW|U VND LQWH In HUEMXGD HOOHU WD HPRW HUVlWWQLQJ IUnQ QnJRQ DQQDQ lQ NXQGHQ RP HUVlWWQLQJHQ PRWYHUNDU DWW GLVWULEXWLRQHQ EHGULYV HQOLJW JRG I|UVlNULQJVGLVWULEX WLRQVVWDQGDUG HOOHU RP GHQ PRWYHUNDU GLVWULEXW|UHQV P|MOLJKHWHU DWW XSSI\OOD VLQD VN\OGLJKHWHU L IUnJD RP RPVRUJVSOLNW DQSDVVQLQJ DY UnG JLYQLQJ RFK DWW DYUnGD VDPW DWW KDQGOD KHGHUOLJW UlWWYLVW RFK SURIHV VLRQHOOW

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU PHGGHOD I|UHVNULIWHU RP KXU HUVlWWQLQJ VND YDUD XWIRUPDG I|U DWW LQWH PRWYHUND DWW HQ I|UVlNULQJVGLVWULEXW|U XSSI\OOHU GH JUXQGOlJJDQGH NUDYHQ VRP DQJHV L I|UVWD VW\FNHW

6NlOHQ I|U SURPHPRULDQV I|UVODJ , I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW DUWLNHO ILQQV JHQHUHOOD UHJOHU RP HUVlWWQLQJDU IUnQ QnJRQ DQQDQ lQ NXQGHQ V N WUHGMHSDUWVHUVlWWQLQJDU 5HJOHUQD VRP JlOOHU YLG DOO IRUP DY I|UVlNULQJVGLVWULEXWLRQ RFK RPIDWWDU DOOD W\SHU I|UVlNULQJV SURGXNWHU LQQHElU EO D DWW HQ I|UVlNULQJVGLVWULEXW|U LQWH InU WD HPRW HUVlWWQLQJ VRP VWnU L VWULG PHG VN\OGLJKHWHQ DWW DJHUD L HQOLJKHW PHG NXQGHUQDV ElVWD LQWUHVVH UHJOHUQD RP HUVlWWQLQJVV\VWHP L DUWLNHO EHKDQGODV L DYVQLWW

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW LQQHKnOOHU lYHQ UHJOHU RP VWUlQJDUH NUDY QlU GHW JlOOHU HUVlWWQLQJDU WLOO RFK IUnQ WUHGMHSDUW YLG GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU DUWLNHO 'HVVD UHJOHU EHKDQGODV L DYVQLWW

'H JHQHUHOOD UHJOHUQD RP WUHGMHSDUWVHUVlWWQLQJDU WLOO I|UVlNULQJV GLVWULEXW|UHU E|U JHQRPI|UDV L VYHQVN UlWW L PRWVYDUDQGH EHVWlPPHOVHU L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ 'HW IUDPVWnU VRP OlPSOLJW DWW Gn NQ\WD DQ WLOO GH DOOPlQQD SULQFLSHU VRP VND JlOOD HQOLJW GLUHNWLYHW DUWLNHO L IUnJD RP DWW KDQGOD KHGHUOLJW UlWWYLVW RFK SURIHVVLRQHOO VDPW WLOO NUDYHQ Sn JRG I|UVlNULQJVGLVWULEXWLRQVVWDQGDUG RPVRUJVSOLNW DQSDVVQLQJ DY UnGJLYQLQJ RFK VN\OGLJKHW DWW DYUnGD VH DYVQLWW (Q I|UVlNULQJVGLVWULEXW|U E|U GlUI|U LQWH In HUEMXGD HOOHU WD HPRW HUVlWWQLQJ IUnQ QnJRQ DQQDQ lQ NXQGHQ RP HUVlWWQLQJHQ NDQ PRWYHUND GLVWULEXW|UHQV P|MOLJKHWHU DWW XSSI\OOD GHVVD JUXQGOlJJDQGH NUDY *HQRP DWW Sn Vn VlWW DYYLND QnJRW L I|UKnOODQGH WLOO RUGDO\GHOVHQ L GLUHNWLYHW DUWLNHO I|UW\GOLJDV LQQHE|UGHQ DY EHJUHSSHW NXQGHUQDV ElVWD LQWUHVVH 'HW LQQHElU GRFN LQWH QnJRQ DYYLNHOVH L VDN HIWHUVRP HQ HUVlWWQLQJ VRP VWnU L VWULG PHG VN\OGLJKHWHQ DWW DJHUD L NXQGHUQDV ElVWD LQWUHVVH VDPWLGLJW PnVWH DQVHV VWULGD PRW GH JUXQGOlJJDQGH SULQFLSHUQD

.RPPLVVLRQHQ KDU LQWH QnJRQ EHIRJHQKHW DWW DQWD GHOHJHUDGH DNWHU QlU GHW JlOOHU GH QX DNWXHOOD UHJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU E|U In

PHGGHOD I|UHVNULIWHU RP KXU HUVlWWQLQJ IUnQ QnJRQ DQQDQ lQ NXQGHQ VND

opaginerad )|UEXG PRW YLVV PDUNQDGVI|ULQJ Kontrollera mot PDF

YDUD XWIRUPDG I|U DWW LQWH PRWYHUND DWW I|UVlNULQJVGLVWULEXW|UHQ XSSI\OOHU VLQD JUXQGOlJJDQGH VN\OGLJKHWHU 9LG XWIRUPQLQJHQ DY I|UHVNULIWHUQD E|U YLVV OHGQLQJ NXQQD KlPWDV IUnQ GHOHJHUDGH DNWHU VRP NRPPLVVLRQHQ InU DQWD HQOLJW GLUHNWLYHW NRPPLVVLRQHQ KDU HQOLJW DUWLNHO EHIRJHQKHW DWW DQWD GHOHJHUDGH DNWHU QlU GHW JlOOHU UHJOHUQD L DUWLNHO RP I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU 'HW E|U GRFN EHDNWDV DWW GH UHJOHU VRP NRPPLVVLRQHQ InU DQWD LQWH lU IRUPHOOW WLOOlPSOLJD Gn GH DYVHU GHQ VWUlQJDUH QLYn DY NXQGVN\GG VRP JlOOHU I|U I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU lQ GHQ QLYn VRP lU DYVHGG DWW JlOOD JHQHUHOOW QLYnQ HQOLJW DUWLNHO )|UHVNULIWHUQD E|U XWIRUPDV Vn DWW GH lU YlO DYYlJGD L I|UKnOODQGH WLOO GH ROLND VODJ DY I|UVlNULQJVGLVWULEXWLRQ VRP RPIDWWDV VDPW lYHQ WD KlQV\Q WLOO GH I|UKnOODQGHQ VRP UnGHU Sn PDUNQDGHQ I|U EO D VNDGHI|UVlNULQJVSURGXNWHU VRP LQWH KDU VDPPD ILQDQVLHOOD NRSSOLQJ VRP OLYI|UVlNULQJVSURGXNWHU

)|UEXG PRW YLVV PDUNQDGVI|ULQJ

3URPHPRULDQV I|UVODJ (Q I|UVlNULQJVI|UPHGODUH InU LQWH L VDPEDQG

PHG I|UVlNULQJVGLVWULEXWLRQ PDUNQDGVI|UD DQGUD ILQDQVLHOOD WMlQVWHU lQ

VnGDQD I|UVlNULQJDU VRP RPIDWWDV DY I|UPHGODUHQV WLOOVWnQG HOOHU

UHJLVWUHULQJ

2P HQ I|UVlNULQJVI|UPHGODUH KDU HWW VlUVNLOW WLOOVWnQG VLGRWLOOVWnQG

I|U LQYHVWHULQJVUnGJLYQLQJ RP IRQGDQGHODU VRP VND LQJn VRP

WLOOJnQJDU L HQ IRQGI|UVlNULQJ HOOHU GHSnI|UVlNULQJ InU I|UPHGODUHQ

lYHQ PDUNQDGVI|UD VnGDQD IRQGDQGHODU VRP RPIDWWDV DY GHW WLOOVWnQGHW

2P I|UVlNULQJVI|UPHGODUHQ KDU UlWW HQOLJW QnJRQ DQQDQ I|UIDWWQLQJ

lQ ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ DWW WLOOKDQGDKnOOD DQGUD ILQDQVLHOOD

WMlQVWHU lQ GH VRP RPIDWWDV DY I|UPHGODUHQV WLOOVWnQG HOOHU UHJLVWUHULQJ

VND GHW LQWH YDUD I|UEMXGHW I|U I|UPHGODUHQ DWW PDUNQDGVI|UD GH

WMlQVWHUQD

)|UEXGHW PRW PDUNQDGVI|ULQJ DY DQGUD ILQDQVLHOOD WMlQVWHU lQ VnGDQD

VRP RPIDWWDV DY HQ I|UVlNULQJVI|UPHGODUHV WLOOVWnQG VND LQWH JlOOD

I|UVlNULQJVI|UPHGODUH VRP KDU HQ DQQDQ KXYXGVDNOLJ YHUNVDPKHW lQ

I|UVlNULQJVGLVWULEXWLRQ

3URPHPRULDQV EHG|PQLQJ 'HW EHK|YV LQWH QnJUD VlUVNLOGD UHJOHU

I|U YLONHQ PDUNQDGVI|ULQJ VRP VND YDUD WLOOnWHQ I|U I|UVlNULQJVI|UHWDJ

3URPHPRULDQ 6WlUNW NRQVXPHQWVN\GG YLG I|UVlNULQJVI|UPHGOLQJV

'V I|UVODJ |YHUHQVVWlPPHU L KXYXGVDN PHG SURPHPRULDQV

I|UVODJ )|UVODJHW L GHQ SURPHPRULDQ QlU GHW JlOOHU PDUNQDGVI|ULQJ DY

IRQGDQGHODU LQRP UDPHQ I|U HWW WLOOVWnQG DWW GULYD VLGRYHUNVDPKHW WDU

VLNWH Sn HWW WLOOVWnQG WLOO VLGRYHUNVDPKHW HQOLJW ODJHQ RP I|UVlNULQJV

I|UPHGOLQJ

5HPLVVLQVWDQVHUQD )OHUWDOHW UHPLVVLQVWDQVHU WLOOVW\UNHU I|UVODJHW HOOHU

KDU LQJHW DWW LQYlQGD PRW GHW Konsumentverket DQVHU DWW YLVVD DY GH

VLWXDWLRQHU VRP EHVNULYV L SURPHPRULDQ LQQHIDWWDU UnGJLYQLQJ VQDUDUH lQ

PDUNQDGVI|ULQJ PHGDQ DQGUD VLWXDWLRQHU XWJ|U PDUNQDGVI|ULQJ 9HUNHW

DQVHU GHW DWW GHW EHK|YHU |YHUYlJDV RP I|UVlNULQJVI|UPHGODUH PLVV

J\QQDV L I|UKnOODQGH WLOO PDUNQDGVI|ULQJVI|UHWDJ Svenska försäkrings-

förmedlares förening ILQQHU DWW I|UVODJHW WLOOVDPPDQV PHG GHQ XWYLGJ

opaginerad IRQG HOOHU GHSnI|UVlNULQJ 'HW lU HQ VNLOOQDG L I|UKnOODQGH WLOO GHQ RYDQ Kontrollera mot PDF

QLQJ DY EHJUHSSHW I|UVlNULQJVI|UPHGOLQJ VRP I|UHVOnV WLOO DWW lYHQ LQQHIDWWD UnGJLYQLQJ RP SODFHULQJDU LQRP UDPHQ I|U HQ I|UVlNULQJ OHGHU WLOO DWW HQ I|UPHGODUH InU PDUNQDGVI|UD DOOD W\SHU DY ILQDQVLHOOD LQVWUX

PHQW YLONHW HQOLJW I|UHQLQJHQV PHQLQJ LQWH lU HQ OlPSOLJ O|VQLQJ Max Mathiessen AB HIWHUIUnJDU HQ W\GOLJDUH GHILQLWLRQ DY YDG VRP DYVHV PHG

PDUNQDGVI|ULQJ DY DQGUD ILQDQVLHOOD SURGXNWHU HOOHU WMlQVWHU lQ WLOOVWnQGHW DYVHU %RODJHW PHQDU DWW XWU\PPHW HQOLJW JlOODQGH UlWW I|U HQ I|UVlNULQJV I|UPHGODUH DWW PDUNQDGVI|UD I|UVlNULQJDU lU EHJUlQVDW HIWHUVRP PDUN QDGVI|ULQJHQ P\FNHW VQDUW VNXOOH YDUD DWW EHWUDNWD VRP I|UVlNULQJV I|UPHGOLQJ RFK DWW HQ NXQG VRP YlQGHU VLJ WLOO HOOHU EOLU NRQWDNWDG DY HQ I|UVlNULQJVI|UPHGODUH E|U NXQQD XWJn IUnQ DWW GHW VRP I|UPHGODUHQ J|U lU I|UVlNULQJVI|UPHGOLQJ

6NlOHQ I|U SURPHPRULDQV I|UVODJ RFK EHG|PQLQJ 6RP UHGRYLVDV L SURPHPRULDQ 6WlUNW NRQVXPHQWVN\GG YLG I|UVlNULQJVI|UPHGOLQJ V I KDU GHW I|UHNRPPLW DWW I|UVlNULQJVI|UPHGODUH KlQYLVDU NXQGHU WLOO DQGUD ILQDQVLHOOD I|UHWDJ VRP WLOOKDQGDKnOOHU DQGUD WMlQVWHU lQ I|UVlNULQJVDYWDO RFK GlULJHQRP PDUNQDGVI|U DQGUD ILQDQVLHOOD I|UHWDJV ILQDQVLHOOD WMlQVWHU 'HQ PDUNQDGVI|ULQJHQ lU I|U NXQGHU VYnU DWW VNLOMD IUnQ GHQ UnGJLYQLQJ VRP OlPQDV DY I|UVlNULQJVI|UPHGODUH LQRP UDPHQ I|U GHUDV I|UVlNULQJVGLVWULEXWLRQ H[HPSHOYLV L IRUP DY I|UVODJ DWW LQJn HWW YLVVW I|UVlNULQJVDYWDO 'HW ILQQV L HQOLJKHW PHG GHW VRP DQJHV L QlPQGD SURPHPRULD DQOHGQLQJ DWW GUD VOXWVDWVHQ DWW P|MOLJKHWHQ DWW PDUNQDGV I|UD ILQDQVLHOOD LQVWUXPHQW L YLVVD IDOO DQYlQGV VRP HWW VlWW DWW NULQJJn GH UHJOHU VRP JlOOHU I|U LQYHVWHULQJVWMlQVWHU RFK LQYHVWHULQJVYHUNVDPKHW HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ

'HW ILQQV GlUI|U VNlO DWW LQVNUlQND I|UVlNULQJVI|UPHGODUHV P|MOLJKHW DWW PDUNQDGVI|UD ILQDQVLHOOD WMlQVWHU WLOO VnGDQD WMlQVWHU VRP RPIDWWDV DY GHUDV WLOOVWnQG HOOHU UHJLVWUHULQJ (Q VnGDQ RUGQLQJ E|U GlUI|U GlUPHG

JlOOD HQOLJW GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ 'HW OHGHU WLOO VRP Konsumentverket EHU|U DWW I|UVlNULQJVI|UPHGODUHV P|MOLJKHWHU DWW

EHGULYD PDUNQDGVI|ULQJ EOLU PLQGUH RPIDWWDQGH lQ UHQD PDUNQDGV I|ULQJVI|UHWDJV 'HQQD EHJUlQVQLQJ InU GRFN JRGWDV PRW EDNJUXQG DY GHW NXQGVN\GGVLQWUHVVH VRP J|U VLJ JlOODQGH .XQGHQV LQWUHVVH DY DWW NXQQD OLWD Sn DWW HQ I|UVlNULQJVI|UPHGODUH VRP NXQGHQ WUlIIDU HQGDVW DJHUDU LQRP UDPHQ I|U VLWW WLOOVWnQG HOOHU UHJLVWUHULQJ YlJHU W\QJUH lU I|UVlNULQJVI|UPHGODUHQV LQWUHVVH DY DWW NXQQD PDUNQDGVI|UD lYHQ DQGUD WMlQVWHU lQ GH VRP RPIDWWDV DY WLOOVWnQGHW

(WW I|UEXG I|U I|UVlNULQJVI|UPHGODUH DWW PDUNQDGVI|UD WMlQVWHU VRP OLJJHU XWDQI|U I|UPHGODUHQV WLOOVWnQG OHGHU RFNVn WLOO DWW GHW EOLU PLQGUH YLNWLJW DWW L UlWWVWLOOlPSQLQJHQ GUD HQ JUlQV PHOODQ UnGJLYQLQJ RFK

PDUNQDGVI|ULQJ 'HQ JUlQVHQ NDQ RIWD YDUD VYnU DWW GUD HWW SUREOHP VRP Max Mathiessen AB EHU|U 2P PDUNQDGVI|ULQJ DY WMlQVWHU VRP LQWH InU

WLOOKDQGDKnOODV PHG VW|G DY HWW WLOOVWnQG DWW XW|YD I|UVlNULQJVGLVWULEXWLRQ lU I|UEMXGHQ Sn VDPPD VlWW VRP UnGJLYQLQJ DYVHHQGH GH WMlQVWHUQD XSSNRPPHU GHW HPHOOHUWLG LQJHQ RNODUKHW L IUnJD RP I|UVlNULQJV I|UPHGODUHQ DJHUDU LQRP VLWW WLOOVWnQG HOOHU LQWH

, VDPPDQKDQJHW KDU GHW EHW\GHOVH DWW HQOLJW I|UVODJHW L GHQQD SURPH PRULD NRPPHU HQ I|UVlNULQJVI|UPHGODUH L IRUWVlWWQLQJHQ LQWH DWW KD P|MOLJKHW DWW PHG VW|G DY VLWW WLOOVWnQG I|U I|UVlNULQJVI|UPHGOLQJ OlPQD LQYHVWHULQJVUnGJLYQLQJ DYVHHQGH WLOOJnQJDU VRP lU DYVHGGD DWW LQJn L HQ

IRQG HOOHU GHSnI|UVlNULQJ 'HW lU HQ VNLOOQDG L I|UKnOODQGH WLOO GHQ RYDQ

opaginerad IRQG HOOHU GHSnI|UVlNULQJ 'HW lU HQ VNLOOQDG L I|UKnOODQGH WLOO GHQ RYDQ Kontrollera mot PDF

QlPQGD SURPHPRULDQ )|U DWW NXQQD XWI|UD VnGDQ UnGJLYQLQJ NRPPHU GHW HQOLJW I|UVODJHW DWW NUlYDV VLGRWLOOVWnQG HOOHU WLOOVWnQG DWW GULYD

YlUGHSDSSHUVU|UHOVH VH DYVQLWW $Y GHW VNlOHW WRUGH GHW LQWH XSSNRPPD QnJUD VnGDQD SUREOHP VRP Svenska försäkringsförmedlares förening WDU XSS (Q I|UVlNULQJVI|UPHGODUHV UlWW DWW PDUNQDGVI|UD ILQDQVLHOOD LQVWUXPHQW NRPPHU HQOLJW I|UVODJHW LQWH DWW UHJOHUDV L ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ XWDQ L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ (WW WLOOVWnQG I|U I|UVlNULQJVI|UPHGOLQJ NRPPHU HQGDVW DWW JH UlWW DWW OlPQD UnGJLYQLQJ RP I|UVlNULQJVVN\GG LQWH YLOND ILQDQVLHOOD SODFHULQJDU VRP VND J|UDV LQRP UDPHQ I|U HWW I|UVlNULQJVDYWDO )|UVODJHW NRPPHU GlUI|U LQWH VRP 6YHQVND I|UVlNULQJVI|UPHGODUHV I|UHQLQJ EHIDUDU JH HQ I|UVlNULQJVI|UPHGODUH UlWW DWW PDUNQDGVI|UD DOOD W\SHU DY ILQDQVLHOOD LQVWUXPHQW

, OLNKHW PHG I|UVODJHW L GHQ RYDQ QlPQGD SURPHPRULDQ LQVNUlQNHU I|UVODJHW L I|UHYDUDQGH SURPHPRULD LQWH UlWWHQ DWW GULYD YHUNVDPKHW PHG VW|G DY QnJRW DQQDW U|UHOVHWLOOVWnQG 'HQ VRP H[HPSHOYLV KDU WLOOVWnQG DWW GULYD YlUGHSDSSHUVU|UHOVH HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ KDU GlUI|U UlWW DWW lJQD VLJ nW PDUNQDGVI|ULQJ LQRP UDPHQ I|U GHQ U|UHOVHQ L GHQ XWVWUlFNQLQJ GHW lU WLOOnWHW HQOLJW GHQ ODJHQ (Q I|UVlNULQJVI|UPHGODUH VRP lU DQNQXWHW RPEXG HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ InU lYHQ L IRUWVlWWQLQJHQ PDUNQDGVI|UD GH WMlQVWHU VRP RPIDWWDV DY WLOOVWnQGHW HQOLJW GHQ ODJHQ

, HQOLJKHW PHG I|UVODJHW L RYDQ QlPQGD SURPHPRULD E|U HWW I|UEXG PRW YLVV PDUNQDGVI|ULQJ LQWH RPIDWWD GH I|UVlNULQJVI|UPHGODUH VRP KDU HQ DQQDQ KXYXGVDNOLJ YHUNVDPKHW lQ I|UVlNULQJVGLVWULEXWLRQ , VnGDQ YHUNVDPKHW WRUGH GHW LQWH VlOODQ I|UHNRPPD DWW ROLND VODJV ILQDQVLHOOD WMlQVWHU W H[ EnGH RFK NUHGLWHU RFK I|UVlNULQJDU WLOOKDQGDKnOOV YLG VLGDQ DY GHQ KXYXGVDNOLJD YHUNVDPKHWHQ 'HW NDQ H[HPSHOYLV U|UD VLJ RP NUHGLWN|S DY KXVKnOOVPDVNLQHU RFK VlUVNLOGD I|UVlNULQJDU VRP HUEMXGV PHG DYVHHQGH Sn GHVVD , VnGDQ YHUNVDPKHW WRUGH GHW RFNVn VlOODQ I|UH NRPPD PDUNQDGVI|ULQJ DY ILQDQVLHOOD LQVWUXPHQW GHQ YHUNVDPKHW GlU PLVVI|UKnOODQGHQ HQOLJW GHW VRP DQI|UV L RYDQ QlPQGD SURPHPRULDQ IUlPVW KDU I|UHNRPPLW VH V

)|UVODJHW LQQHElU LQWH QnJRW JHQHUHOOW I|UEXG PRW YLVV PDUNQDGVI|ULQJ $YVLNWHQ lU HQGDVW DWW UHJOHUD YDG VRP InU PDUNQDGVI|UDV LQRP UDPHQ I|U HWW WLOOVWnQG DWW GULYD YHUNVDPKHW VRP I|UVlNULQJVI|UPHGODUH 'lUI|U NDQ GHW VRP DQI|UV L RYDQ QlPQGD SURPHPRULDQ LQWH DQVHV VWULGD PRW WU\FNIULKHWVI|URUGQLQJHQ HOOHU \WWUDQGHIULKHWVJUXQGODJHQ VH V

'HW ILQQV LQWH VNlO I|U DWW HWW I|UEXG PRW YLVV PDUNQDGVI|ULQJ VND JlOOD lYHQ I|U I|UVlNULQJVI|UHWDJ +XUXYLGD GHW lU WLOOnWHW I|U HWW I|UVlNULQJV I|UHWDJ DWW PDUNQDGVI|UD lYHQ DQGUD ILQDQVLHOOD I|UHWDJV WMlQVWHU E|U lYHQ L IRUWVlWWQLQJHQ DYJ|UDV HQOLJW GHW VRP DOOPlQW JlOOHU HQOLJW I|UVlNULQJV U|UHOVHODJHQ RP I|UEXG I|U HWW I|UVlNULQJVI|UHWDJ DWW GULYD DQQDQ YHUN VDPKHW lQ I|UVlNULQJVU|UHOVH RFK GlUPHG VDPPDQKlQJDQGH YHUNVDPKHW NDS †

opaginerad (UVlWWQLQJVV\VWHP Kontrollera mot PDF

(UVlWWQLQJVV\VWHP

3URPHPRULDQV I|UVODJ (Q I|UVlNULQJVGLVWULEXW|UV V\VWHP I|U DWW HUVlWWD SHUVRQDO VRP DUEHWDU PHG I|UVlNULQJVGLVWULEXWLRQ LQNOXVLYH GHP VRP GLUHNW OHGHU HOOHU DQVYDUDU I|U GHWWD DUEHWH VND YDUD XSSE\JJW Sn HWW VlWW VRP LQWH QHJDWLYW SnYHUNDU I|UVlNULQJVGLVWULEXW|UHQV I|U PnJD DWW XSSI\OOD VN\OGLJKHWHUQD RP EO D JRG I|UVlNULQJVGLVWULEX WLRQVVWDQGDUG RFK DWW KDQGOD KHGHUOLJW UlWWYLVW RFK SURIHVVLRQHOOW

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU PHGGHOD I|UHVNULIWHU RP I|UVlNULQJVGLVWULEXW|UHUV HUVlWWQLQJVV\VWHP

6NlOHQ I|U SURPHPRULDQV I|UVODJ (QOLJW I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW VND PHGOHPVVWDWHUQD VH WLOO DWW I|UVlNULQJVGLVWULEXW|UHU LQWH EHG|PHU VLQD DQVWlOOGDV SUHVWDWLRQHU Sn HWW VlWW VRP VWnU L VWULG PHG VN\OGLJKHWHQ DWW DJHUD L HQOLJKHW PHG NXQGHUQDV ElVWD LQWUHVVH DUWLNHO , V\QQHUKHW InU HQ I|UVlNULQJVGLVWULEXW|U LQWH LQI|UD V\VWHP PHG HUVlWWQLQJDU I|UVlOMQLQJVPnO HOOHU DQQDW VRP VNXOOH NXQQD JH YHGHU E|UDQGH HOOHU GHVV DQVWlOOGD LQFLWDPHQW DWW UHNRPPHQGHUD HQ NXQG HQ YLVV I|UVlNULQJVSURGXNW QlU I|UVlNULQJVGLVWULEXW|UHQ VNXOOH NXQQD HUEMXGD HQ DQQDQ I|UVlNULQJVSURGXNW VRP ElWWUH VNXOOH PRWVYDUD NXQGHQV EHKRY

'H QX DNWXHOOD UHJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RP I|U VlNULQJVGLVWULEXW|UHUV HUVlWWQLQJDU WLOO VLQD DQVWlOOGD E|U JHQRPI|UDV L VYHQVN UlWW L PRWVYDUDQGH EHVWlPPHOVHU L GHQ Q\D ODJHQ RP I|UVlNULQJV GLVWULEXWLRQ (Q I|UVlNULQJVGLVWULEXW|U VND VnOHGHV XWIRUPD VLQD HUVlWWQLQJVV\VWHP Vn DWW GH LQWH QHJDWLYW SnYHUNDU GLVWULEXW|UHQV I|UPnJD DWW XSSI\OOD GH JUXQGOlJJDQGH NUDYHQ YLG I|UVlNULQJVGLVWULEXWLRQ GYV DWW GLVWULEXW|UHQ VND GULYD VLQ YHUNVDPKHW HQOLJW JRG I|UVlNULQJVGLVWULEX WLRQVVHG XSSI\OOD NUDYHQ L IUnJD RP RPVRUJVSOLNW RFK DWW DYUnGD RFK YLG UnGJLYQLQJ HIWHU HQ RSDUWLVN RFK SHUVRQOLJ DQDO\V VDPW KDQGOD KHGHUOLJW UlWWYLVW RFK SURIHVVLRQHOOW

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU E|U In PHGGHOD I|UHVNULIWHU RP I|UVlNULQJVGLVWULEXW|UHUV HUVlWWQLQJVV\VWHP 3n Vn VlWW NDQ UHJHOYHUNHW DQSDVVDV WLOO GH VNLIWDQGH I|UKnOODQGHQ RFK ROLND HUVlWWQLQJVPRGHOOHU VRP IUnQ I|UHWDJ WLOO I|UHWDJ RFK IUnQ WLG WLOO DQQDQ I|UHNRPPHU Sn I|UVlNULQJVPDUNQDGHQ MIU NDS † ODJHQ RP YHUNVDPKHW PHG ERVWDGVNUHGLWHU VH SURS V RFK ± 'HW I|UWMlQDU DWW SnSHNDV DWW GHW LQWH ILQQV QnJRW EHP\QGLJDQGH I|U NRPPLVVLRQHQ DWW PHGGHOD I|UHVNULIWHU JHQRP GHOHJHUDGH DNWHU L DQVOXWQLQJ WLOO GH QX DNWXHOOD UHJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

5XWLQHU RFK ULNWOLQMHU I|U LQWHUQ NRQWUROO DY NXQVNDS RFK NRPSHWHQV P P

3URPHPRULDQV I|UVODJ (Q I|UVlNULQJVGLVWULEXW|U VND KD UXWLQHU RFK ULNWOLQMHU I|U LQWHUQ NRQWUROO DY DWW GLVWULEXW|UHQ RFK GHVV DQVWlOOGD XSS I\OOHU NUDYHQ Sn NXQVNDS RFK NRPSHWHQV IRUWELOGQLQJ RFK \UNHVXWYHFNOLQJ VDPW JRG YDQGHO )|UVlNULQJVGLVWULEXW|UHQ VND L UHJLVWHU GRNXPHQWHUD GH nWJlUGHU VRP GHQ YLGWDU I|U DWW XSSI\OOD

NUDYHQ

opaginerad (Q I|UVlNULQJVGLVWULEXW|U VND XWVH HQ HOOHU IOHUD SHUVRQHU VRP DQ Kontrollera mot PDF

(Q I|UVlNULQJVGLVWULEXW|U VND XWVH HQ HOOHU IOHUD SHUVRQHU VRP DQ

VYDUDU I|U DWW GLVWULEXW|UHQ IXOOJ|U GHVVD VN\OGLJKHWHU 3n EHJlUDQ DY

)LQDQVLQVSHNWLRQHQ VND GLVWULEXW|UHQ OlPQD LQVSHNWLRQHQ XSSJLIW RP

QDPQHW Sn GHQ HOOHU GH DQVYDULJD SHUVRQHUQD

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU

PHGGHOD I|UHVNULIWHU RP YDG HQ I|UVlNULQJVGLVWULEXW|U VND LDNWWD I|U DWW

XSSI\OOD NUDYHQ L I|UVWD RFK DQGUD VW\FNHW

6NlOHQ I|U SURPHPRULDQV I|UVODJ 6RP IUDPJnU RYDQ VWlOOHU

I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW XSS YLVVD NUDY Sn NXQVNDS RFK

NRPSHWHQV IRUWELOGQLQJ RFK \UNHVXWYHFNOLQJ RFK JRG YDQGHO VRP

I|UVlNULQJVGLVWULEXW|UHU RFK GHUDV DQVWlOOGD EO D PnVWH XSSI\OOD I|U DWW

GLVWULEXW|UHQ VND In WLOOVWnQG DWW EHGULYD I|UVlNULQJVGLVWULEXWLRQ VH DUWLNHO

± RFK DYVQLWW RFK 0RWVYDUDQGH UHJOHU L

I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW DUWLNHO RFK KDU JHQRPI|UWV L

VYHQVN UlWW L EHVWlPPHOVHU L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ NDS

RFK †† )|UVlNULQJVU|UHOVHODJHQ LQQHKnOOHU OLNQDQGH UHJOHU I|U

I|UVlNULQJVI|UHWDJ NDS RFK ††

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO LQQHKnOOHU HPHOOHUWLG

lYHQ NUDY Sn DWW I|UVlNULQJV RFK nWHUI|UVlNULQJVI|UHWDJ VND JRGNlQQD

JHQRPI|UD RFK UHJHOEXQGHW VH |YHU VLQD LQWHUQD SROLF\HU RFK HUIRUGHUOLJD

LQWHUQD I|UIDUDQGHQ I|U DWW VlNHUVWlOOD DWW GHVVD NUDY DUWLNHO ±

XSSI\OOV IRUWO|SDQGH )|UHWDJHQ VND WD IUDP HQ IXQNWLRQ I|U DWW VlNHUVWlOOD

HWW NRUUHNW JHQRPI|UDQGH DY GH SROLF\HU RFK I|UIDUDQGHQ VRP JRGNlQWV

'H VND YLGDUH LQUlWWD XSSUlWWKnOOD RFK XSSGDWHUD UHJLVWHU I|U DOO UHOHYDQW

GRNXPHQWDWLRQ PHG DYVHHQGH Sn XSSI\OODQGHW DY GHVVD NUDY RFK Sn

EHJlUDQ DY KHPPHGOHPVVWDWHQV EHK|ULJD P\QGLJKHW OlPQD XW QDPQHW Sn

GHQ SHUVRQ VRP DQVYDUDU I|U QlPQGD IXQNWLRQ

5HJOHU RP LQWHUQ NRQWUROO DY QX DNWXHOOW VODJ ILQQV EnGH L ODJHQ RP

I|UVlNULQJVI|UPHGOLQJ NDS † DQGUD VW\FNHW RFK L I|UVlNULQJVU|UHOVH

ODJHQ NDS 5HJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW lU GRFN

GHOYLV Q\D RFK PHU GHWDOMHUDGH RFK E|U GlUI|U JHQRPI|UDV L PRWVYDUDQGH

EHVWlPPHOVHU L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ .UDYHQ Sn

UXWLQHU RFK ULNWOLQMHU I|U LQWHUQ NRQWUROO E|U GRFN JlOOD I|U I|UVlNULQJV

GLVWULEXW|UHU JHQHUHOOW Sn VDPPD VlWW VRP NUDYHQ Sn NXQVNDS RFK

NRPSHWHQV IRUWELOGQLQJ RFK \UNHVXWYHFNOLQJ RFK JRG YDQGHO DUWLNHO

± (Q VnGDQ XWYLGJQLQJ L I|UKnOODQGH WLOO GLUHNWLYHW lU VRP

QlPQV L DYVQLWW WLOOnWHQ HIWHUVRP GLUHNWLYHW HQGDVW V\IWDU WLOO DWW XSSQn

HQ PLQLPLJUDG DY KDUPRQLVHULQJ VH VNlO

(Q I|UVlNULQJVGLVWULEXW|U E|U VnOHGHV KD UXWLQHU RFK ULNWOLQMHU I|U LQWHUQ

NRQWUROO DY DWW GLVWULEXW|UHQ RFK GHVV DQVWlOOGD XSSI\OOHU YLVVD NUDY Sn

NXQVNDS RFK NRPSHWHQV IRUWELOGQLQJ RFK \UNHVXWYHFNOLQJ VDPW JRG

YDQGHO VH DYVQLWW RFK )|UVlNULQJVGLVWULEXW|UHQ E|U

YDUD VN\OGLJ DWW LQUlWWD XSSUlWWKnOOD RFK XSSGDWHUD UHJLVWHU I|U GRNXPHQ

WDWLRQ DY GH nWJlUGHU VRP GHQ YLGWDU I|U DWW XSSI\OOD NUDYHQ VDPW XWVH

SHUVRQHU VRP DQVYDUDU I|U DWW GLVWULEXW|UHQ IXOOJ|U QlPQGD VN\OGLJKHWHU

'LVWULEXW|UHQ E|U Sn EHJlUDQ DY )LQDQVLQVSHNWLRQHQ YDUD VN\OGLJ DWW

OlPQD XW QDPQHW Sn GHQ HOOHU GH DQVYDULJD SHUVRQHUQD

'H QX DNWXHOOD NUDYHQ Sn LQWHUQ NRQWUROO E|U Sn PRWVYDUDQGH VlWW VRP

NUDYHQ Sn NXQVNDS RFK NRPSHWHQV P P YDUD DQSDVVDGH HIWHU DUWHQ DY

GHQ YHUNVDPKHW VRP EHGULYV MIU DUWLNHO ±

opaginerad 3URGXNWJRGNlQQDQGH Kontrollera mot PDF

9LOND nWJlUGHU HQ I|UVlNULQJVGLVWULEXW|U VND YLGWD I|U DWW XSSI\OOD

NUDYHQ Sn LQWHUQD UXWLQHU RFK ULNWOLQMHU E|U SUHFLVHUDV L I|UHVNULIWHU Sn

OlJUH QLYn lQ ODJ 5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EH

VWlPPHU E|U GlUI|U In PHGGHOD I|UHVNULIWHU RP YDG I|UVlNULQJV

GLVWULEXW|UHQ VND LDNWWD I|U DWW XSSI\OOD GHVVD NUDY

3URGXNWJRGNlQQDQGH

3URPHPRULDQV I|UVODJ (Q I|UVlNULQJVGLVWULEXW|U VRP WDU IUDP I|UVlNULQJVSURGXNWHU I|U GLVWULEXWLRQ WLOO NXQGHU VND IDVWVWlOOD WLOOlPSD RFK O|SDQGH VH |YHU HQ SURFHVV I|U JRGNlQQDQGH DY GH I|UVlNULQJV SURGXNWHU GHQQH WDU IUDP 3URFHVVHQ VND lYHQ DYVH EHW\GDQGH I|U lQGULQJDU DY EHILQWOLJD I|UVlNULQJVSURGXNWHU (Q I|UVlNULQJVSURGXNW HOOHU HQ EHW\GDQGH I|UlQGULQJ DY HQ I|UVlNULQJVSURGXNW VND JRGNlQQDV HQOLJW SURFHVVHQ LQQDQ GHQ PDUNQDGVI|UV HOOHU GLVWULEXHUDV WLOO NXQGHU SURGXNWJRGNlQQDQGH

, SURFHVVHQ I|U SURGXNWJRGNlQQDQGH VND GHW DQJHV HQ IDVWVWlOOG PnOJUXSS DY VOXWNXQGHU I|U HQ I|UVlNULQJVSURGXNW , SURFHVVHQ VND DOOD UHOHYDQWD ULVNHU I|U PnOJUXSSHQ EHG|PDV RFK GHW VND SU|YDV RP GHQ DYVHGGD VWUDWHJLQ I|U GLVWULEXWLRQ DY I|UVlNULQJVSURGXNWHQ lU OlPSOLJ I|U PnOJUXSSHQ $OOD ULPOLJD nWJlUGHU VND YLGWDV I|U DWW I|UVlNULQJV SURGXNWHU VND GLVWULEXHUDV WLOO GHQ DYVHGGD PnOJUXSSHQ

(WW I|UVlNULQJVI|UHWDJ VND L VLQ SURFHVV I|U SURGXNWJRGNlQQDQGH UHJHOEXQGHW VH |YHU GH I|UVlNULQJVSURGXNWHU VRP I|UHWDJHW HUEMXGHU HOOHU PDUNQDGVI|U )|UHWDJHW VND YLG |YHUV\QHQ EHDNWD YLOND KlQGHOVHU VRP VNXOOH NXQQD YlVHQWOLJW SnYHUND ULVNHUQD I|U SURGXNWHQV PnO JUXSS )|UHWDJHW VND lYHQ EHG|PD RP HQ I|UVlNULQJVSURGXNW IRUW IDUDQGH PRWVYDUDU PnOJUXSSHQV EHKRY RFK RP GHQ DYVHGGD GLVWULEX WLRQVVWUDWHJLQ IRUWIDUDQGH lU OlPSOLJ

3URFHVVHQ I|U SURGXNWJRGNlQQDQGH VND YDUD SURSRUWLRQHUOLJ RFK lQGDPnOVHQOLJ L I|UKnOODQGH WLOO GH I|UVlNULQJVSURGXNWHU VRP VND GLVWULEXHUDV

'LVWULEXWLRQ DY I|UVlNULQJ PRW VWRUD ULVNHU VND LQWH RPIDWWDV DY NUDYHQ RP SURGXNWJRGNlQQDQGH

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU PHGGHOD I|UHVNULIWHU RP I|UVlNULQJVGLVWULEXW|UHQ VND LDNWWD I|U DWW XSSI\OOD NUDYHW L IUnJD RP SURGXNWJRGNlQQDQGH

6NlOHQ I|U SURPHPRULDQV I|UVODJ , I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW DUWLNHO ILQQV GHW UHJOHU RP GHW VRP L I|UVlNULQJVEUDQVFKHQ LEODQG EHQlPQV 13$3 HOOHU 1HZ 3URGXFW $SSURYDO 3URFHVV GYV HQ SURFHVV I|U JRGNlQQDQGH DY Q\D I|UVlNULQJVSURGXNWHU , GLUHNWLYHW ILQQV WYn JUXQGOlJJDQGH NUDY DWW HQ I|UVlNULQJVGLVWULEXW|U VND KD SURFHVV I|U JRGNlQQDQGH DY Q\D I|UVlNULQJVSURGXNWHU RFK DWW YDUMH Q\ I|UVlNULQJV SURGXNW RFK EHW\GDQGH DQSDVVQLQJ DY HQ H[LVWHUDQGH I|UVlNULQJVSURGXNW VND JRGNlQQDV L HQOLJKHW PHG GHQ SURFHVVHQ DUWLNHO I|UVWD VW\FNHW 3URFHVVHQ VND YDUD SURSRUWLRQHUOLJ RFK lQGDPnOVHQOLJ L I|UKnOODQGH WLOO HQ I|UVlNULQJVSURGXNWV DUW DUWLNHO DQGUD VW\FNHW , GLUHNWLYHW UHJOHUDV LQQHKnOOHW L SURFHVVHQ I|U SURGXNWJRGNlQQDQGH QlUPDUH DUWLNHO

WUHGMH VW\FNHW 3URFHVVHQ VND DQJH GHQ WLOOWlQNWD PDUNQDGHQ ± PnOPDUN

opaginerad 3URGXNWLQIRUPDWLRQ RFK SURGXNWNlQQHGRP Kontrollera mot PDF

QDGHQ ± I|U YDUMH Q\ I|UVlNULQJVSURGXNW 'lUXW|YHU VND DOOD UHOHYDQWD ULVNHU I|U PnOPDUNQDGHQ EHG|PDV OLNVRP IUnJDQ RP GHQ DYVHGGD GLVWULEXWLRQVVWUDWHJLQ lU I|UHQOLJ PHG PnOPDUNQDGHQ 8QGHU SURFHVVHQ VND DOOD ULPOLJD nWJlUGHU YLGWDV I|U DWW VH WLOO DWW I|UVlNULQJVSURGXNWHQ GLVWULEXHUDV WLOO GHQ WLOOWlQNWD PnOPDUNQDGHQ )|UVlNULQJVI|UHWDJ VND I|UVWn RFK UHJHOEXQGHW VH |YHU VLQD I|UVlNULQJVSURGXNWHU I|U DWW EHG|PD RP HQ SURGXNW IRUWIDUDQGH lU I|UHQOLJ PHG PnOPDUNQDGHQ EHKRYV RFK RP GHQ DYVHGGD GLVWULEXWLRQVVWUDWHJLQ IRUWIDUDQGH lU OlPSOLJ DUWLNHO IMlUGH VW\FNHW

5HJOHUQD RP SURGXNWJRGNlQQDQGH VND LQWH WLOOlPSDV Sn I|UVlNULQJV SURGXNWHU VRP XWJ|U I|UVlNULQJDU PRW VWRUD ULVNHU DUWLNHO

.RPPLVVLRQHQ InU DQWD GHOHJHUDGH DNWHU I|U DWW VSHFLILFHUD UHJOHUQD RP SURGXNWJRGNlQQDQGH DUWLNHO

5HJOHUQD RP SURGXNWJRGNlQQDQGH L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW E|U JHQRPI|UDV L VYHQVN UlWW L PRWVYDUDQGH EHVWlPPHOVHU L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ , ODJHQ E|U WHUPHQ PnOJUXSS DQYlQGDV L VWlOOHW I|U PnOPDUNQDG HIWHUVRP GHQ I|UUD WHUPHQ lU W\GOLJDUH bYHQ L ODJHQ E|U WHUPHQ I|UVlNULQJVSURGXNW DQYlQGDV HIWHUVRP GHQ WDU VLNWH Sn HQ W\S DY I|UVlNULQJVNRQWUDNW VQDUDUH lQ LQGLYLGXHOOD I|UVlNULQJVDYWDO 9LGDUH E|U HWW NUDY Sn SURGXNWJRGNlQQDQGH JlOOD I|U lQGULQJDU DY HQ EHILQWOLJ I|UVlNULQJVSURGXNW VQDUDUH lQ HQ DQSDVVQLQJ DY GHQ 5HJOHUQD L GLUHNWLYHW InU XSSIDWWDV Sn Vn VlWW DWW GHW lU lQGULQJDU DY HQ I|UVlNULQJV SURGXNW VRP VND XQGHUNDVWDV HWW NUDY Sn SURGXNWJRGNlQQDQGH

'LUHNWLYHW InU DQVHV NUlYD DWW SURFHVVHQ I|U SURGXNWJRGNlQQDQGH GRNXPHQWHUDV RFK ILQQV WLOOJlQJOLJ KRV I|UVlNULQJVGLVWULEXW|UHQ 'HW NDQ DOOWVn LQWH DQVHV WLOOUlFNOLJW DWW HQ VnGDQ SURFHVV EDUD lU LQIRUPHOO RFK L SUDNWLNHQ WLOOlPSDV XWDQ DWW YDUD W\GOLJW SUHFLVHUDG L QnJRQ IRUP DY VW\UDQGH GRNXPHQW 2P )LQDQVLQVSHNWLRQHQ EHJlU DWW In WD GHO DY SURFHVVHQ I|U SURGXNWJRGNlQQDQGH LQRP UDPHQ I|U VLQ WLOOV\Q VND GLVWULEXW|UHQ NXQQD I|UVH LQVSHNWLRQHQ PHG GRNXPHQW GlU SURFHVVHQ IUDPJnU

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU I|U In PHGGHOD I|UHVNULIWHU RP YDG HQ I|UVlNULQJVGLVWULEXW|U VND LDNWWD I|U DWW XSSI\OOD NUDYHQ L IUnJD RP SURGXNWJRGNlQQDQGH 'lULJHQRP NDQ GH GHOHJHUDGH DNWHU VRP NRPPLVVLRQHQ InU DQWD HQOLJW I|UVlNULQJVGLVWULEX WLRQVGLUHNWLYHW JHQRPI|UDV L VYHQVN UlWW RP GH VNXOOH DQWDV L IRUP DY GLUHNWLY 'lUXW|YHU EOLU GHW lYHQ P|MOLJKHW J|UD GH DQSDVVQLQJDU DY UHJOHUQD RP SURGXNWJRGNlQQDQGH VRP NDQ NUlYDV Sn JUXQG DY GH VNLIWDQGH I|UKnOODQGHQD Sn GHQ VYHQVND I|UVlNULQJVPDUNQDGHQ |YHU WLGHQ %ODQG DQQDW NDQ GHW WlQNDV DWW GHW Sn RPUnGHW I|U NROOHNWLYDYWDODG I|UVlNULQJ ILQQV VNlO J|UD VlUVNLOGD DQSDVVQLQJDU

3URGXNWLQIRUPDWLRQ RFK SURGXNWNlQQHGRP

3URPHPRULDQV I|UVODJ (Q I|UVlNULQJVGLVWULEXW|U VRP VMlOY WDU IUDP I|UVlNULQJVSURGXNWHU VND OlPQD WLOOUlFNOLJ LQIRUPDWLRQ RP VLQD I|UVlNULQJVSURGXNWHU WLOO GH |YULJD I|UVlNULQJVGLVWULEXW|UHU VRP VND GLVWULEXHUD SURGXNWHUQD

opaginerad .RUVI|UVlOMQLQJ RFK NRSSOLQJVI|UEHKnOO Kontrollera mot PDF

(Q I|UVlNULQJVGLVWULEXW|U VRP GLVWULEXHUDU I|UVlNULQJVSURGXNWHU VRP GLVWULEXW|UHQ LQWH VMlOY WDU IUDP VND KD UXWLQHU I|U DWW In WLOOJnQJ WLOO VnGDQ LQIRUPDWLRQ VRP GHQ VRP WDU IUDP SURGXNWHUQD VND OlPQD )|UVlNULQJVGLVWULEXW|UHQ VND KD JRG NlQQHGRP RP GH GLVWULEXHUDGH I|UVlNULQJVSURGXNWHUQD RFK RP GH PnOJUXSSHU VRP IDVWVWlOOWV

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU PHGGHOD I|UHVNULIWHU RP YDG HQ I|UVlNULQJVGLVWULEXW|U VND LDNWWD I|U DWW XSSI\OOD NUDYHQ Sn SURGXNWLQIRUPDWLRQ RFK SURGXNWNlQQHGRP

6NlOHQ I|U SURPHPRULDQV I|UVODJ , I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW VWlOOV NUDY Sn DWW GH I|UVlNULQJVGLVWULEXW|UHU ± I|UVlNULQJV I|UPHGODUH RFK I|UVlNULQJVI|UHWDJ ± VRP XWYHFNODU I|UVlNULQJVSURGXNWHU VND JH YDU RFK HQ DY VLQD GLVWULEXW|UHU DOO HUIRUGHUOLJ LQIRUPDWLRQ RP I|UVlNULQJVSURGXNWHQ RFK SURFHVVHQ I|U SURGXNWJRGNlQQDQGH LQEHJULSHW PnOPDUNQDGHQ I|U I|UVlNULQJVSURGXNWHQ DUWLNHO IHPWH VW\FNHW , GLUHNWLYHW ILQQV HWW NRUUHVSRQGHUDQGH NUDY Sn GH I|UVlNULQJVGLVWULEXW|UHU VRP LQWH VMlOYD XWYHFNODU I|UVlNULQJVSURGXNWHU VND LQI|UD V\VWHP I|U DWW HUKnOOD GHQ LQIRUPDWLRQ VRP GH SURGXNWXWYHFNODQGH I|UVlNULQJV GLVWULEXW|UHUQD lU VN\OGLJD DWW WLOOKDQGDKnOOD DUWLNHO VMlWWH VW\FNHW 9LGDUH NUlYV DWW GH I|UVlNULQJVGLVWULEXW|UHU VRP LQWH XWYHFNODU I|UVlN ULQJVSURGXNWHU VND I|UVWn HJHQVNDSHUQD KRV GH I|UVlNULQJVSURGXNWHU GH GLVWULEXHUDU VDPW YLONHQ HQ SURGXNWV PnOPDUNQDG lU

'H QX DNWXHOOD UHJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW E|U JHQRP I|UDV L VYHQVN UlWW L PRWVYDUDQGH EHVWlPPHOVHU L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU E|U In PHGGHOD I|UHVNULIWHU RP YDG HQ I|UVlNULQJVGLVWULEXW|U VND LDNWWD I|U DWW XSSI\OOD GHOV NUDYHW SURGXNWLQIRUPDWLRQ GHOV NUDYHW Sn SURGXNWNlQQH GRP 6RP DQJHV L DYVQLWW RP SURGXNWJRGNlQQDQGH InU NRPPLVVLRQHQ DQWD GHOHJHUDGH DNWHU L DQVOXWQLQJ WLOO GHVVD UHJOHU L I|UVlNULQJVGLVWULEX WLRQVGLUHNWLYHW 2P VnGDQD GHOHJHUDGH DNWHU DQWDV L IRUP DY GLUHNWLY NDQ GH JHQRPI|UDV L VYHQVN UlWW L I|UHVNULIWHU VRP PHGGHODV PHG VW|G DY EHP\QGLJDQGHW 9LGDUH JHU EHP\QGLJDQGHW P|MOLJKHW WLOO GH DQSDVVQLQJDU VRP NDQ YLVD VLJ Q|GYlQGLJD Sn GHQ VYHQVND I|UVlNULQJVPDUNQDGHQ VH DYVQLWW

.RUVI|UVlOMQLQJ RFK NRSSOLQJVI|UEHKnOO

3URPHPRULDQV I|UVODJ 2P HQ I|UVlNULQJVGLVWULEXW|U HUEMXGHU HQ

NXQG DWW LQJn HWW I|UVlNULQJVDYWDO WLOOVDPPDQV PHG HQ DQQDQ WMlQVW

HOOHU SURGXNW VRP HQ GHO DY HWW SDNHW HOOHU VRP HWW YLOONRU L HQ

|YHUHQVNRPPHOVH HOOHU HWW SDNHW RFK I|UVlNULQJVDYWDOHW lU DY XQGHU

RUGQDG EHW\GHOVH L I|UKnOODQGH WLOO |YULJD GHODU DY |YHUHQVNRPPHOVHQ

HOOHU SDNHWHW VND GLVWULEXW|UHQ HUEMXGD NXQGHQ DWW N|SD GHQ DQGUD

WMlQVWHQ HOOHU SURGXNWHQ XWDQ DWW LQJn I|UVlNULQJVDYWDOHW

'HWWD VND LQWH JlOOD RP I|UVlNULQJVDYWDOHW HUEMXGV WLOOVDPPDQV PHG

LQYHVWHULQJVWMlQVWHU RFK LQYHVWHULQJVYHUNVDPKHWHU HQOLJW ODJHQ RP

YlUGHSDSSHUVPDUNQDGHQ HOOHU

HWW EHWDONRQWR PHG JUXQGOlJJDQGH IXQNWLRQHU VRP DYVHV L

EHWDOWMlQVWODJHQ

s. 3 3URPHPRULDQV EHG|PQLQJ 'HW VRP DQJHV L I|UVlNULQJVGLVWULEX Kontrollera mot PDF

3URPHPRULDQV EHG|PQLQJ 'HW VRP DQJHV L I|UVlNULQJVGLVWULEX

WLRQVGLUHNWLYHW RP DWW GLVWULEXWLRQ DY I|UVlNULQJVSURGXNWHU VRP WlFNHU

IOHUD ULVNHU LQWH InU I|UKLQGUDV NUlYHU LQWH QnJRQ nWJlUG

6NlOHQ I|U SURPHPRULDQV I|UVODJ RFK EHG|PQLQJ )|UVlNULQJV

GLVWULEXWLRQVGLUHNWLYHW LQQHKnOOHU UHJOHU RP GHW VRP L GLUHNWLYHW EHQlPQV NRUVI|UVlOMQLQJ GYV QlU I|UVlNULQJDU WLOOKDQGDKnOOV WLOOVDPPDQV PHG DQGUD SURGXNWHU RFK WMlQVWHU DUWLNHO , GLUHNWLYHW ILQQV lYHQ UHJOHU RP LQIRUPDWLRQ VRP YLG NRUVI|UVlOMQLQJ VND OlPQDV WLOO HQ NXQG DUWLNHO RFK 'H UHJOHUQD EHKDQGODV L DYVQLWW

, GLUHNWLYHW DUWLNHO ILQQV GlUXW|YHU UHJOHU RP YDG VRP VND JlOOD I|U NRUVI|UVlOMQLQJ RFK RP V N NRSSOLQJVI|UEHKnOO GYV QlU GHW VWlOOV VRP YLOONRU I|U DWW NXQGHQ VND In N|SD HQ YLVV WMlQVW DWW NXQGHQ RFNVn N|SHU HQ DQQDQ WMlQVW +XYXGUHJHOQ lU DWW HQ I|UVlNULQJVGLVWULEXW|U VRP HUEMXGHU HQ I|UVlNULQJ VRP lU XQGHURUGQDG HQ DQQDQ YDUD HOOHU WMlQVW PnVWH HUEMXGD NXQGHQ DWW N|SD YDUDQ HOOHU WMlQVWHQ XWDQ DWW WHFNQD I|UVlNULQJHQ , YLVVD IDOO lU GRFN NRSSOLQJVI|UEHKnOO WLOOnWQD 'H IDOOHQ lU QlU HQ I|UVlNULQJ lU XQGHURUGQDG HQ LQYHVWHULQJVWMlQVW HOOHU LQYHVWHULQJV YHUNVDPKHW VRP DYVHV L 0L),' , QlU HQ I|UVlNULQJ lU XQGHURUGQDG HWW NUHGLWDYWDO VRP DYVHV (XURSDSDUODPHQWHWV RFK UnGHWV GLUHNWLY (8 DY GHQ IHEUXDUL RP NRQVXPHQWNUHGLWDYWDO VRP DYVHU ERVWDGVIDVWLJKHW RFK RP lQGULQJ DY GLUHNWLYHQ (* RFK (8 RFK I|URUGQLQJ (8 QU EROnQHGLUHNWLYHW HOOHU QlU HQ I|UVlNULQJ lU XQGHURUGQDG HWW EHWDONRQWR VRP DYVHV L GLUHNWLY (8 EHWDONRQWRGLUHNWLYHW

(XURSHLVND I|UVlNULQJV RFK WMlQVWHSHQVLRQVP\QGLJKHWHQ (LRSD InU HQOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO XWIRUPD ULNWOLQMHU I|U JUDQVNQLQJ RFK WLOOV\Q DY PHWRGHU I|U NRUVI|UVlOMQLQJ RFK VLWXDWLRQHU QlU NRUVI|UVlOMQLQJ LQWH lU I|UHQOLJ PHG HQ I|UVlNULQJVGLVWULEXW|UV VN\OGLJKHWHU HQOLJW GHQ JUXQGOlJJDQGH UHJHOQ DWW HQ I|UVlNULQJVGLVWULEXW|U DOOWLG VND DJHUD KHGHUOLJW UlWWYLVW RFK SURIHVVLRQHOOW L VLQD NXQGHUV ElVWD LQWUHVVH DUWLNHO 5HJOHUQD RP NRUVI|UVlOMQLQJ InU GRFN LQWH I|UKLQGUD GLVWULEXWLRQ DY I|UVlNULQJVSURGXNWHU VRP WlFNHU IOHUD ULVNHU DUWLNHO 0HGOHPVVWDWHUQD VND VH WLOO DWW HQ I|UVlNULQJVGLVWULEXW|U DOOWLG VSHFLILFHUDU NXQGHQV NUDY RFK EHKRY QlU GHW VNHU NRUVI|UVlOMQLQJ DUWLNHO 6OXWOLJHQ DQJHV DWW PHGOHPVVWDWHUQD KDU UlWW DWW EHKnOOD HOOHU DQWD VWULNWDUH EHVWlPPHOVHU RP NRUVI|UVlOMQLQJ HOOHU LQJULSD PRW NRUVI|UVlOMQLQJ RP GH NDQ YLVD DWW GHQ YHUNVDPKHWHQ lU QHJDWLY I|U NRQVXPHQWHUQD DUWLNHO

'H JUXQGOlJJDQGH UHJOHUQD RP NRUVI|UVlOMQLQJ L I|UVlNULQJVGLVWULEX

WLRQVGLUHNWLYHW E|U JHQRPI|UDV L VYHQVN UlWW L EHVWlPPHOVHU L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ (Q I|UVlNULQJVGLVWULEXW|U VND YDUD VN\OGLJ DWW HUEMXGD NXQGHQ DWW N|SD HQ WMlQVW XWDQ DWW WHFNQD HQ I|UVlNULQJ RP I|UVlNULQJHQ lU XQGHURUGDG HQ DQQDQ YDUD HOOHU WMlQVW RFK WLOOKDQGDKnOOV VRP HQ GHO DY HWW SDNHW HOOHU VRP HWW YLOONRU I|U VDPPD |YHUHQVNRPPHOVH 'HW E|U XQGHUVWU\NDV GHWWD EDUD JlOOHU GHQ VLWXDWLRQHQ QlU HQ I|UVlNULQJ lU HQ XQGHURUGQDG GHO DY HQ |YHUHQVNRPPHOVH HOOHU HWW SDNHW 2P GHW NUDYHW LQWH lU XSSI\OOW H[HPSHOYLV HIWHUVRP HQ I|UVlNULQJ LQWH lU HQ XQGHURUGQDG GHO DY HQ |YHUHQVNRPPHOVH Gn InU VLWXDWLRQHQ EHG|PDV HQOLJW DOOPlQQD FLYLO RFK QlULQJVUlWWVOLJD UHJOHU

opaginerad 3URPHPRULDQV EHG|PQLQJ 'HW VRP DQJHV L I|UVlNULQJVGLVWULEX Kontrollera mot PDF

bYHQ GH UHJOHU L GLUHNWLYHW VRP WLOOnWHU NRSSOLQJVI|UEHKnOO L IUnJD RP EHWDONRQWRQ VDPW LQYHVWHULQJVWMlQVWHU RFK LQYHVWHULQJVYHUNVDPKHWHU E|U JHQRPI|UDV L EHVWlPPHOVHU L ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ (Q I|UVlNULQJVI|UPHGODUH VND In VWlOOD VRP YLOONRU I|U HQ |YHUHQVNRPPHOVH DWW HQ NXQG WHFNQDU HQ I|UVlNULQJ RP I|UVlNULQJHQ lU HQ XQGHURUGQDG GHO DY HWW SDNHW VRP RFNVn EHVWnU DY HWW EHWDONRQWR HQOLJW ODJHQ RP EHWDOWMlQVWHU HOOHU LQYHVWHULQJVWMlQVWHU RFK LQYHVWHULQJVYHUNVDPKHWHU HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ

'lUHPRW E|U UHJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RP DWW WLOOnWD NRSSOLQJVI|UEHKnOO QlU GHW JlOOHU NUHGLWDYWDO VRP DYVHV L EROnQHGLUHNWLYHW LQWH WDV LQ L ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ %HJUHSSHW NUHGLWDYWDO L EROnQHGLUHNWLYHW PRWVYDUDV DY EHJUHSSHW ERVWDGVNUHGLW L NRQVXPHQW NUHGLWODJHQ † VH SURS V RFK ± (QOLJW NRQVXPHQWNUHGLWODJHQ InU HQ QlULQJVLGNDUH LQWH VWlOOD VRP YLOONRU I|U DWW EHYLOMD HQ ERVWDGVNUHGLW DWW NRQVXPHQWHQ RFNVn N|SHU DQGUD ILQDQVLHOOD SURGXNWHU HOOHU WMlQVWHU F † VH VDPPD SURS V RFK ± (QGD XQGDQWDJHW IUnQ GHQ UHJHOQ lU YLOONRU RP DWW NRQVXPHQWHQ VND |SSQD HWW NRQWR HOOHU DQQDQ WMlQVW VRP P|MOLJJ|U EHWDOQLQJDU DY NUHGLWHQ 2P HQ I|UVlNULQJVGLVWULEXW|U VNXOOH In WLOOKDQGDKnOOD I|UVlNULQJDU RFK ERVWDGVNUHGLWHU VRP HWW VDPPDQKnOOHW SDNHW HQOLJW ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ VNXOOH GHW GlUI|U VWn L VWULG PHG NRQVXPHQW NUHGLWODJHQ 1nJRQ VnGDQ P|MOLJKHW E|U GlUI|U LQWH LQI|UDV ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

'HW VWlOOQLQJVWDJDQGHW LQQHElU I|UVlNULQJVGLVWULEXW|UHUQDV NXQGHU L K|JUH JUDG lQ YDG VRP I|OMHU DY GLUHNWLYHW NDQ VWlOOD NUDY Sn DWW In N|SD HQ ILQDQVLHOO SURGXNW HOOHU WMlQVW XWDQ DWW VDPWLGLJW EHK|YD WHFNQD HQ I|UVlNULQJ .RQVXPHQWVN\GGHW VWlUNV DOOWVn YDUI|U GHQ DYYLNHOVH VRP VNHU IUnQ I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW lU WLOOnWHQ VH VNlO WLOO RFK DUWLNHO L GLUHNWLYHW

'HW E|U SnSHNDV VlUVNLOW DWW GH EHVWlPPHOVHU VRP I|UHVOnV L ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ I|U DWW L VYHQVN UlWW JHQRPI|UD UHJOHUQD RP NRUVI|UVlOMQLQJ L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO LQWH lU FLYLOUlWWVOLJD XWDQ RIIHQWOLJUlWWVOLJD 'HW LQQHElU DWW DYWDO VRP LQJnV L VWULG PHG GH EHVWlPPHOVHUQD LQWH EOLU RJLOWLJD XWDQ NDQ nEHURSDV PRW NXQGHQ 'lUHPRW NDQ |YHUWUlGHOVHU DY EHVWlPPHOVHUQD I|UDQOHGD HWW LQJULSDQGH LQRP UDPHQ I|U )LQDQVLQVSHNWLRQHQV WLOOV\Q YLONHW L VLVW KDQG NDQ OHGD WLOO nWHUNDOOHOVH DY HWW WLOOVWnQG HOOHU HQ UHJLVWUHULQJ

(LRSD InU DOOWVn HQOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DWW XWIRUPD ULNWOLQMHU L DQVOXWQLQJ WLOO UHJOHUQD RP NRUVI|UVlOMQLQJ RFK DQJH GH VLWXD WLRQHU GlU NRUVI|UVlOMQLQJ LQWH lU I|UHQOLJ PHG GH JUXQGOlJJDQGH NUDYHQ I|U I|UVlNULQJVGLVWULEXWLRQ 6nGDQD ULNWOLQMHU NRPPHU DWW JlOOD YLG VLGDQ RP GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ RFK KD HQ VWDWXV VRP OLNQDU GHQ VRP )LQDQVLQVSHNWLRQHQV DOOPlQQD UnG KDU 'HW NDQ I|UHNRPPD DWW ULNWOLQMHU IUnQ (LRSD LQQHKnOOHU UHJOHU DY VnGDQ EHW\GHOVH DWW GH E|U NXQQD J|UDV ELQGDQGH JHQRP DWW I|UDV LQ L P\QGLJKHWVI|UHVNULIWHU VH SURS V I 1lU GHW JlOOHU VnGDQD ULNWOLQMHU RP NRUVI|UVlOMQLQJ VRP (LRSD NDQ NRPPD DWW PHGGHOD PHG VW|G DY I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW DUWLNHO WRUGH YLNWLJD UHJOHU L GHP YLG EHKRY NXQQD I|UDV LQ L P\QGLJKHWVI|UHVNULIWHU PHG VW|G DY GH EHP\QGLJDQGHQ VRP I|UHVOnV QlU GHW JlOOHU GH JUXQGOlJJDQGH NUDYHQ I|U I|UVlNULQJV

opaginerad gYULJD UHJOHU I|U YHUNVDPKHWHQ Kontrollera mot PDF

GLVWULEXWLRQ UHJOHUQD RP HUVlWWQLQJ IUnQ QnJRQ DQQDQ lQ NXQGHQ VDPW RP HUVlWWQLQJVV\VWHP VH DYVQLWWHQ RFK

.UDYHW L GLUHNWLYHW Sn HQ DQSDVVDG DQDO\V DY NXQGHQV |QVNHPnO RFK EHKRY YLG I|UVlOMQLQJ DY I|UVlNULQJDU VRP HQ GHO DY HWW VW|UUH SDNHW DUWLNHO NDQ WLOOJRGRVHV JHQRP I|UHVNULIWHU VRP PHGGHODV PHG VW|G DY GHW EHP\QGLJDQGH VRP I|UHVOnV L DYVQLWW

'H QX DNWXHOOD UHJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW UHJOHUDU HQGDVW GHW IDOOHW DWW HQ I|UVlNULQJ WLOOKDQGDKnOOV WLOOVDPPDQV PHG QnJRQ DQQDQ YDUD HOOHU WMlQVW )DOO GlU I|UVlNULQJDU PRW ROLND VODJ DY ULVNHU GLVWULEXHUDV WLOOVDPPDQV IDOOHU XWDQI|U UHJOHUQDV WLOOlPSQLQJVRPUnGH 9LGDUH ILQQV LQWH KHOOHU L VYHQVN UlWW QnJRW I|UEXG I|U HQ I|UVlNULQJV GLVWULEXW|U DWW GLVWULEXHUD VnGDQD I|UVlNULQJDU Vn OlQJH GLVWULEXW|UHQ DJHUDU LQRP GH I|UVlNULQJVNODVVHU VRP U|UHOVHWLOOVWnQGHW HOOHU UHJLVWUH ULQJHQ DYVHU 'HW I|OMHU GlUI|U UHGDQ DY JlOODQGH UlWW DWW I|UVlNULQJV GLVWULEXWLRQ InU VNH DY I|UVlNULQJDU VRP WlFNHU IOHUD ROLND ULVNHU RFK GHQ VLWXDWLRQHQ lQGUDV LQWH YLG JHQRPI|UDQGHW DY I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW 'HW VRP DQJHV L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO NUlYHU DY GHW VNlOHW LQWH QnJRQ nWJlUG

gYULJD UHJOHU I|U YHUNVDPKHWHQ

3URPHPRULDQV I|UVODJ %HVWlPPHOVHUQD L ODJHQ RP I|UVlNULQJV

I|UPHGOLQJ RP EHKDQGOLQJ DY WLOOJnQJHU VRP WLOOK|U NXQGHQ NODJR

PnOVKDQWHULQJ VNDGHVWnQGVVN\OGLJKHW VDPW RP DUEHWVRUGQLQJ RFK

LQVWUXNWLRQHU RP DUEHWVI|UGHOQLQJHQ PHOODQ ERODJVRUJDQHQ I|UV |YHU

WLOO ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

%HVWlPPHOVHQ L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ RP VNDGHVWnQGV

VN\OGLJKHW I|UV |YHU WLOO GHQ Q\D ODJHQ RFK MXVWHUDV Vn DWW HQ

I|UVlNULQJVGLVWULEXW|U VND HUVlWWD UHQ I|UP|JHQKHWVVNDGD VRP XSS

NRPPHU Sn JUXQG DY DWW GLVWULEXW|UHQ XSSVnWOLJHQ HOOHU DY RDNWVDPKHW

nVLGRVlWWHU VLQD VN\OGLJKHWHU HQOLJW EHVWlPPHOVHUQD RP JUXQGOlJJDQGH

NUDY YLG I|UVlNULQJVGLVWULEXWLRQ HOOHU HQOLJW I|UHVNULIWHU VRP PHGGHODWV

PHG VW|G DY EHP\QGLJDQGH VRP DYVHU GHQ EHVWlPPHOVHQ %HVWlP

PHOVHUQD RP VNDGHVWnQGVVN\OGLJKHW L ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

VND lYHQ YDUD WLOOlPSOLJD Sn VLGRYHUNVDPKHW PHG IRQGDQGHODU VRP HQ

I|UVlNULQJVI|UPHGODUH InU EHGULYD PHG VW|G DY HWW VlUVNLOW WLOOVWnQG

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU

PHGGHOD I|UHVNULIWHU RP YDG HQ I|UVlNULQJVGLVWULEXW|U VND LDNWWD YLG

KDQWHULQJHQ DY NODJRPnO

3URPHPRULDQV EHG|PQLQJ .UDYHW L I|UVlNULQJVGLVWULEXWLRQV

GLUHNWLYHW Sn I|UIDUDQGHQ I|U NODJRPnO RFK WYLVWO|VQLQJ XWDQI|U

GRPVWRO InU DQVHV XSSI\OOGD L JlOODQGH VYHQVN UlWW

6NlOHQ I|U SURPHPRULDQV I|UVODJ RFK EHG|PQLQJ

Behandling av tillgångar som tillhör kunden

1nJUD DY U|UHOVHUHJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW KDU L SULQFLS

LQWH lQGUDWV L I|UKnOODQGH WLOO I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW 'HW lU

IDOOHW PHG UHJOHUQD RP VN\GG DY NXQGHUV PHGHO DUWLNHO L

I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW UHVSHNWLYH DUWLNHO L I|UVlNULQJV

opaginerad Klagomålshantering Kontrollera mot PDF

I|UPHGOLQJVGLUHNWLYHW , EnGD GLUHNWLYHQ JHV PHGOHPVVWDWHUQD P|MOLJKHW DWW YlOMD PHOODQ ROLND VlWW DWW VN\GGD PHGHO VRP WLOOK|U NXQGHUQD EHVWlPPHOVHU RP DWW EHWDOQLQJDU VRP VNHU WLOO HQ I|UVlNULQJVI|UPHGODUH VND DQVHV KD VNHWW WLOO I|UVlNULQJVJLYDUHQ DOWHUQDWLY D NUDY Sn DWW HQ I|UVlNULQJVI|UPHGODUH VND KD YLVVD HNRPLVND UHVXUVHU DOWHUQDWLY E NUDY Sn DWW NXQGPHGHO VND KnOODV DYVNLOGD DOWHUQDWLY F HOOHU NUDY Sn DWW HQ JDUDQWLIRQG VND LQUlWWDV 6YHULJH YDOGH YLG JHQRPI|UDQGHW DY I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW DWW LQI|UD HWW NUDY Sn DWW NXQGPHGHO VND KnOODV nWVNLOGD DOWHUQDWLY F VH SURS V ±

'HW KDU LQWH IUDPNRPPLW VNlO I|U DWW L GDJ YlOMD QnJRQ DQQDQ O|VQLQJ I|U VN\GGHW DY NXQGHUQDV PHGHO lQ NUDY Sn DWW SHQJDU RFK DQGUD WLOO JnQJDU VRP HQ I|UVlNULQJVI|UPHGODUH InU KDQG RP I|U NXQGHQV UlNQLQJ VND KnOODV DYVNLOGD IUnQ HJQD WLOOJnQJDU 1XYDUDQGH EHVWlPPHOVHU RP GHWWD L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ NDS † E|U GlUI|U I|UDV |YHU WLOO GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

'HW NDQ KlU HULQUDV RP DWW I|UVlNULQJVI|UPHGODUH PHG VLGRWLOOVWnQG LQWH InU WD HPRW NXQGHUV PHGHO HOOHU IRQGDQGHODU L VLQ VLGRYHUNVDPKHW VH NDS † I|UVWD VW\FNHW F ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ RFK DYVQLWW

(QOLJW I|UVODJHW L GHQQD SURPHPRULD NRPPHU ODJHQ RP YlUGHSDSSHUV PDUNQDGHQ RFNVn L IRUWVlWWQLQJHQ DWW YDUD WLOOlPSOLJ Sn YlUGHSDSSHUV U|UHOVH VRP GULYV DY I|UVlNULQJVI|UPHGODUH VRP KDU InWW VlUVNLOW WLOOVWnQG DWW GULYD VnGDQ U|UHOVH ,QYHVWHULQJVUnGJLYQLQJ RFK DQGUD LQYHVWHULQJV WMlQVWHU RFK LQYHVWHULQJVYHUNVDPKHWHU NRPPHU LQWH DWW In GULYDV DY I|UVlNULQJVI|UPHGODUH HQEDUW Sn JUXQGYDO DY HWW WLOOVWnQG WLOO I|UVlNULQJV GLVWULEXWLRQ lYHQ RP GHQ YHUNVDPKHWHQ DYVHU LQYHVWHULQJDU LQRP UDPHQ I|U HQ I|UVlNULQJ )|U GH I|UVlNULQJVI|UPHGODUH VRP GULYHU VnGDQ YHUN VDPKHW HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ NRPPHU VnOHGHV EHVWlP PHOVHUQD RP KDQWHULQJ DY NXQGHUV PHGHO RFK ILQDQVLHOOD LQVWUXPHQW L GHQ ODJHQ DWW JlOOD NDS ± ††

Klagomålshantering

5HJOHUQD RP NODJRPnOVKDQWHULQJ L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW lU RI|UlQGUDGH L I|UKnOODQGH WLOO GHP L I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW DUWLNHO UHVSHNWLYH DUWLNHO 'HQ HQGD VNLOOQDGHQ lU DWW UHJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW lU WLOOlPSOLJD Sn DOOD I|UVlNULQJV GLVWULEXW|UHU VnYlO I|UVlNULQJVI|UPHGODUH VRP I|UVlNULQJVI|UHWDJ PHGDQ UHJOHUQD L I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW HQGDVW lU WLOOlPSOLJD Sn I|UVlNULQJVI|UPHGODUH

%HVWlPPHOVHQ RP NODJRPnOVKDQWHULQJ L ODJHQ RP I|UVlNULQJVI|UPHG OLQJ NDS † E|U GlUI|U I|UDV |YHU WLOO ODJHQ RP I|UVlNULQJV GLVWULEXWLRQ , OLNKHW PHG L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW E|U EHVWlP PHOVHQ L ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ JlOOD I|U VnYlO I|UVlNULQJV I|UPHGODUH VRP I|UVlNULQJVI|UHWDJ

)|U EnGH I|UVlNULQJVI|UHWDJHQV RFK I|UVlNULQJVI|UPHGODUQDV GHO NRPPHU EHVWlPPHOVHQ L ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ DWW YDUD WLOOlPSOLJ YLG VLGDQ RP GH ULNWOLQMHU RP NODJRPnOVKDQWHULQJ VRP (LRSD DQWDJLW VH 5LNWOLQMHU I|U I|UVlNULQJVI|UHWDJV KDQWHULQJ DY NODJRPnO (,23$ %R6 RFK 5LNWOLQMHU I|U I|UVlNULQJVI|UPHGODUHV KDQWHULQJ

DY NODJRPnO (,23$ %R6 %HVWlPPHOVHQ L ODJHQ VRP JHQRPI|U

opaginerad UHJOHU L HWW (8 GLUHNWLY NRPPHU DWW KD I|UHWUlGH IUDPI|U GH QlPQGD ULNWOLQMHUQD Kontrollera mot PDF

UHJOHU L HWW (8 GLUHNWLY NRPPHU DWW KD I|UHWUlGH IUDPI|U GH QlPQGD ULNWOLQMHUQD

/LNVRP L GDJ E|U UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EH VWlPPHU In PHGGHOD I|UHVNULIWHU RP YDG VRP VND LDNWWDV YLG KDQWHULQJ DY NODJRPnO %HVWlPPHOVHU RP NODJRPnOVKDQWHULQJ ILQQV L GDJ L )LQDQV LQVSHNWLRQHQV I|UHVNULIWHU RFK DOOPlQQD UnG RP I|UVlNULQJVI|UPHGOLQJ 2P GHW ILQQV VNlO NDQ EHP\QGLJDQGHW DQYlQGDV I|U DWW WD LQ UHJOHU L (LRSDV Q\VV QlPQGD ULNWOLQMHU L P\QGLJKHWVI|UHVNULIWHU (LRSDV ULNWOLQMHU WRUGH L DQQDW IDOO LQWH HQVDPPD NXQQD OlJJDV WLOO JUXQG I|U HWW LQJULSDQGH PRW HQ I|UVlNULQJVGLVWULEXW|U VH SURS V I

Tvistlösning

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW VWlOOHU NUDY Sn DWW PHGOHPVVWDWHUQD VND LQUlWWD DGHNYDWD HIIHNWLYD RSDUWLVND RFK REHURHQGH I|UIDUDQGHQ I|U NODJRPnO RFK WYLVWO|VQLQJ XWDQI|U GRPVWRO DUWLNHO .UDYHW L GLUHNWLYHW InU DQVHV WD VLNWH Sn WYLVWHU GlU NXQGHU KDU FLYLOUlWWVOLJD DQVSUnN Sn HQ I|UVlNULQJVGLVWULEXW|U VQDUDUH lQ NODJRPnO L IRUP DY V\QSXQNWHU Sn EHP|WDQGH RFK KDQGOlJJQLQJ L GHQ HQJHOVND VSUnNYHUVLRQHQ DQJHV DWW GHW lU IUnJD ´RXW RI FRXUW FRPSODLQW DQG UHGUHVV´ GYV XWRPUlWWVOLJD NUDY RFK JRWWJ|UHOVHU

9LG JHQRPI|UDQGHW L VYHQVN UlWW DY I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW JMRUGHV EHG|PQLQJHQ DWW GHW L 6YHULJH ILQQV OlPSOLJD RFK HIIHNWLYD I|U IDUDQGHQ RFK RUJDQ I|U WYLVWO|VQLQJ XWDQI|U GRPVWRO DYVHHQGH WYLVWHU PHOODQ I|UVlNULQJVI|UPHGODUH RFK GHUDV NXQGHU VH SURS V , GHW VDPPDQKDQJHW O\IWHV .RQVXPHQWHUQDV )|UVlNULQJVE\Un RFK $OOPlQQD UHNODPDWLRQVQlPQGHQ IUDP VRP IRUXP I|U WYLVWO|VQLQJ XWDQI|U GRPVWRO bYHQ YLG JHQRPI|UDQGHW L VYHQVN UlWW DY EROnQHGLUHNWLYHW JMRUGHV EHG|PQLQJHQ DWW GHW GLUHNWLYHWV NUDY Sn PHNDQLVPHU I|U WYLVW O|VQLQJ XWDQI|U GRPVWRO YDU XSSI\OOD L VYHQVN UlWW RFK DWW QnJRQ \WWHUOLJDUH UHJOHULQJ LQWH EHK|YGH LQI|UDV VH SURS V ±

'HW VDNQDV VNlO DWW J|UD HQ DQQDQ EHG|PQLQJ DY EHKRYHW DY ODJVWLIW QLQJVnWJlUGHU I|U DWW JHQRPI|UD UHJOHUQD L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW RP WYLVWO|VQLQJ XWDQI|U GRPVWRO lQ GH VRP JMRUGHV YLG JHQRPI|UDQGHQD DY PRWVYDUDQGH UHJOHU L I|UVlNULQJVI|UPHGOLQJV GLUHNWLYHW RFK EROnQHGLUHNWLYHW .UDYHW L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW Sn I|UIDUDQGHQ I|U NODJRPnO RFK WYLVWO|VQLQJ XWDQI|U GRPVWRO InU VnOHGHV DQVHV XSSI\OOGD L JlOODQGH VYHQVN UlWW

Skadeståndsskyldighet

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW LQQHKnOOHU LQWH QnJUD UHJOHU RP VNDGH VWnQGVVN\OGLJKHW 'lUHPRW InU GLUHNWLYHW DQVHV I|UXWVlWWD DWW nWPLQVWRQH I|UVlNULQJVI|UPHGODUH NDQ nOlJJDV VNDGHVWnQGVDQVYDU I|U IHO RFK I|U VXPPHOVHU YLG VLQ I|UVlNULQJVGLVWULEXWLRQ PHG WDQNH Sn DWW GLUHNWLYHW VWlOOHU NUDY Sn DWW I|UVlNULQJVI|UPHGODUH VND KD HQ DQVYDUVI|UVlNULQJ VH DUWLNHO RFK

*HQRPI|UDQGHW L VYHQVN UlWW PHGI|U LQWH QnJRW EHKRY DY lQGULQJ DY GH QXYDUDQGH EHVWlPPHOVHUQD RP VNDGHVWnQGVVN\OGLJKHW I|U I|UVlNULQJV

I|UPHGODUH L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ NDS RFK †† 'H VNlO

VRP DQI|UGHV EHWUlIIDQGH SUHVNULSWLRQVWLG P P QlU GH LQI|UGHV L ODJHQ

opaginerad RP I|UVlNULQJVI|UPHGOLQJ J|U VLJ DOOWMlPW JlOODQGH VH SURS Kontrollera mot PDF

RP I|UVlNULQJVI|UPHGOLQJ J|U VLJ DOOWMlPW JlOODQGH VH SURS

V ± %HVWlPPHOVHUQD E|U GlUI|U I|UDV |YHU WLOO ODJHQ RP I|UVlN

ULQJVGLVWULEXWLRQ

'HW ILQQV LQWH OlQJUH VNlO DWW L IUnJD RP VNDGHVWnQGVVN\OGLJKHW EH

KDQGOD I|UVlNULQJVI|UHWDJ DQQRUOXQGD lQ I|UVlNULQJVI|UPHGODUH (Q

ElUDQGH WDQNH EDNRP I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW lU DWW HQ NXQG VND

nWQMXWD VDPPD VN\GG YDUH VLJ KDQ HOOHU KRQ P|WHU HWW I|UVlNULQJVI|UHWDJ

HOOHU HQ I|UVlNULQJVI|UPHGODUH VRP I|UVlNULQJVGLVWULEXW|U VH VNlO WLOO

GLUHNWLYHW %HVWlPPHOVHUQD RP VNDGHVWnQGVVN\OGLJKHW L ODJHQ RP

I|UVlNULQJVGLVWULEXWLRQ E|U GlUI|U nOlJJD I|UVlNULQJVI|UHWDJ VDPPD

VNDGHVWnQGVVN\OGLJKHW YLG I|UVlNULQJVGLVWULEXWLRQ VRP I|UVlNULQJV

I|UPHGODUH

,QRP WLOOlPSQLQJVRPUnGHW I|U EHVWlPPHOVHUQD QlU GHW JlOOHU YLOND

UHJHO|YHUWUlGHOVHU VRP VND NXQQD XWO|VD VNDGHVWnQGVVN\OGLJKHW IDOOHU HQ

I|UVlNULQJVGLVWULEXW|UV nVLGRVlWWDQGH DY VLQD VN\OGLJKHWHU HQOLJW I|UH

VNULIWHU VRP PHGGHODWV L DQVOXWQLQJ WLOO GH JUXQGOlJJDQGH NUDYHQ YLG

I|UVlNULQJVGLVWULEXWLRQ L ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ 'HW E|U KlU

QlPQDV DWW UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU

VND In P|MOLJKHW DWW PHGGHOD I|UHVNULIWHU RP YDG HQ I|UVlNULQJVGLVWULEXW|U

VND LDNWWD I|U DWW XSSI\OOD GH JUXQGOlJJDQGH NUDYHQ YLG I|UVlNULQJVGLVWUL

EXWLRQ RP EO D JRG I|UVlNULQJVGLVWULEXWLRQVVWDQGDUG VH DYVQLWW

)|UHVNULIWHU VRP PHGGHODV PHG VW|G DY GHW EHP\QGLJDQGHW NRPPHU DWW

SUHFLVHUD LQQHE|UGHQ DY GH NUDY VRP DQJHV L ODJHQ

)|UVlNULQJVI|UHWDJ NRPPHU HQOLJW I|UVODJHW L GHQQD SURPHPRULD LQWH

KHOOHU L IRUWVlWWQLQJHQ DWW RPIDWWDV DY QnJRW VlUVNLOW WLOOVWnQGVNUDY I|U DWW

In lJQD VLJ nW LQYHVWHULQJVWMlQVWHU RFK LQYHVWHULQJVYHUNVDPKHWHU L GHQ

XWVWUlFNQLQJ VRP GHW lU P|MOLJW HQOLJW I|UVlNULQJVU|UHOVHODJHQ VH NDS

† I|UVWD VW\FNHW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ NDS †

I|UVlNULQJVU|UHOVHODJHQ 'HW LQQHElU DWW GHW LQWH UnGHU QnJRQ VNLOOQDG

PHOODQ VnGDQ YHUNVDPKHW VRP DYVHU LQYHVWHULQJDU LQRP UDPHQ I|U HQ

IRQG HOOHU GHSnI|UVlNULQJ HOOHU LQYHVWHULQJDU VRP LQWH KDU DQNQ\WQLQJ WLOO

HQ VnGDQ I|UVlNULQJ 'HW VWnU QXPHUD NODUW DWW LQYHVWHULQJVUnGJLYQLQJ VRP

XWI|UV LQRP UDPHQ I|U HQ I|UVlNULQJVO|VQLQJ LQWH XWJ|U I|UVlNULQJV

GLVWULEXWLRQ XWDQ lU DWW EHG|PD VRP WLOOVWnQGVSOLNWLJ YHUNVDPKHW HQOLJW

ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ SURS V I 'HW lU

VnOHGHV LQWH L QnJRW DY IDOOHQ DWW EHG|PD VRP I|UVlNULQJVGLVWULEXWLRQ QlU

HWW I|UVlNULQJVI|UHWDJ XWI|U LQYHVWHULQJVWMlQVWHU RFK LQYHVWHULQJV

YHUNVDPKHWHU HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ +XUXYLGD HWW

I|UVlNULQJVI|UHWDJ InU lJQD VLJ nW LQYHVWHULQJVWMlQVWHU RFK LQYHVWHULQJV

YHUNVDPKHWHU NRPPHU VnOHGHV OLNVRP L GDJ DWW DYJ|UDV DY I|UEXGHW L

I|UVlNULQJVU|UHOVHODJHQ PRW I|UVlNULQJVIUlPPDQGH YHUNVDPKHW )UnJDQ

RP HWW nVLGRVlWWDQGH LQRP UDPHQ I|U GHQ YHUNVDPKHWHQ VRP lU DWW

EHWUDNWD VRP LQYHVWHULQJVWMlQVWHU RFK LQYHVWHULQJVYHUNVDPKHWHU HQOLJW

ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ E|U OHGD WLOO VNDGHVWnQGVVN\OGLJKHW InU

EHG|PDV HQOLJW GH VNDGHVWnQGVUHJOHU VRP JlOOHU I|U GHP VRP GULYHU

YlUGHSDSSHUVU|UHOVH VH EO D † ODJHQ > @ RP ILQDQVLHOO

UnGJLYQLQJ WLOO NRQVXPHQWHU

%HVWlPPHOVHQ RP VNDGHVWnQGVVN\OGLJKHW L ODJHQ RP I|UVlNULQJV

GLVWULEXWLRQ E|U GRFN YDUD WLOOlPSOLJ Sn VnGDQ YHUNVDPKHW VRP NRPPHU

DWW In GULYDV PHG VW|G DY VLGRWLOOVWnQG VH DYVQLWW 'HWWD PRWVYDUDU

GHW VRP JlOOHU L GDJ HQOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ I|U GHQ

opaginerad Arbetsordning och instruktioner om arbetsfördelningen mellan bolagsorganen Kontrollera mot PDF

VLGRYHUNVDPKHW PHG IRQGDQGHODU VRP HQ I|UVlNULQJVI|UPHGODUH NXQQDW GULYD PHG VW|G DY HWW VlUVNLOW WLOOVWnQG HQOLJW GHQ ODJHQ VH NDS RFK †† 6NDGHVWnQGVVN\OGLJKHW I|U GHQ I|UVlNULQJVI|UPHGODUH VRP DJHUDU PHG VW|G DY HWW VLGRWLOOVWnQG E|U UHJOHUDV Sn VDPPD VlWW

)|UVlNULQJVGLVWULEXW|UHU E|U Sn PRWVYDUDQGH VlWW VRP I|UVlNULQJV I|UPHGODUH NXQQD DYWDOD ERUW VLQ VNDGHVWnQGVVN\OGLJKHW VRP DYVHU nWHUI|UVlNULQJ HOOHU I|UVlNULQJ PRW VWRUD ULVNHU NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ VH SURS V

Arbetsordning och instruktioner om arbetsfördelningen mellan bolagsorganen

, ODJHQ RP I|UVlNULQJVI|UPHGOLQJ ILQQV NUDY Sn DUEHWVRUGQLQJ RFK DUEHWVI|UGHOQLQJHQ PHOODQ ERODJVRUJDQHQ L I|UVlNULQJVI|UPHGODUH NDS † VH SURS )|U I|UVlNULQJVDNWLHERODJ I|OMHU PRWVYDUDQGH NUDY Sn DUEHWVRUGQLQJ RFK LQVWUXNWLRQHU DY I|UVlNULQJVU|UHOVHODJHQ NDS D †

'HW ILQQV LQWH VNlO DWW YLG JHQRPI|UDQGHW L VYHQVN UlWW DY I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW J|UD QnJRQ lQGULQJ QlU GHW JlOOHU I|UVlNULQJV I|UPHGODUH (IWHUVRP I|UVlNULQJVDNWLHERODJ UHGDQ RPIDWWDV DY VnGDQD NUDY ILQQV GHW LQWH KHOOHU VNlO DWW XWVWUlFND WLOOlPSQLQJVRPUnGHW WLOO DWW lYHQ RPIDWWD VnGDQD I|UHWDJ

,QIRUPDWLRQVNUDY RFK XSSI|UDQGHUHJOHU

,QOHGQLQJ

$OOPlQW

(Q YlOIXQJHUDQGH PDUNQDG SUlJODV EO D DY JRG LQIRUPDWLRQ RP YDUDQV HOOHU WMlQVWHQV NYDOLWHW RFK SULV KRV VnYlO N|SDUH VRP VlOMDUH 'HQ NlQQHWHFNQDV DY DWW SURGXNWHU RFK WMlQVWHU VRP LQWH lU NRQNXUUHQVNUDIWLJD VOnV XW HIWHUVRP NRQVXPHQWHU KHOW HQNHOW LQWH YLOO N|SD SURGXNWHU HOOHU WMlQVWHU VRP lU I|U G\UD HOOHU GnOLJD 3n I|UVlNULQJVPDUNQDGHQ EHILQQHU VLJ GRFN GH DOOUD IOHVWD I|UVlNULQJVWDJDUH L HWW LQIRUPDWLRQV RFK NXQVNDSVXQGHUOlJH L I|UKnOODQGH WLOO GH SHUVRQHU VRP JHU UnG RP HOOHU VlOMHU I|UVlNULQJDU 0nQJD I|UVlNULQJVSURGXNWHU lU NRPSOLFHUDGH RFK NRPSOH[D YLONHW LQQHElU DWW GHW RIWD lU VYnUW I|U HQ NXQG DWW IXOOW XW I|UVWn RFK EHG|PD NYDOLWHW L UHODWLRQ WLOO SULV DYVHHQGH GHQ SURGXNW VRP HUEMXGV HOOHU I|UHVOnV 'HWWD SnYHUNDU VMlOYIDOOHW NXQGHUQDV P|MOLJKHWHU DWW J|UD YlOJUXQGDGH YDO PHOODQ ROLND SURGXNWHU .XQGHUQD NDQ GlUPHG LQWH KHOOHU SnYHUND XWEXGHW DY SURGXNWHU RFK WMlQVWHU L |QVNYlUG XWVWUlFNQLQJ 'HWWD SnYHUNDU VDPPDQWDJHW YLOONRUHQ I|U NRQNXUUHQV RFK NRQVXPHQWVN\GG Sn I|UVlNULQJVPDUNQDGHQ 'HW lU PRW EDNJUXQG DY GHQ REDODQV VRP UnGHU Sn PDUNQDGHQ YLNWLJW DWW I|UVlNULQJVGLVWULEXW|UHU LQQDQ I|UVlNULQJVDYWDO LQJnV RFK XQGHU DYWDOVWLGHQ JHU VLQD NXQGHU UHOHYDQW RFK EHJULSOLJ LQIRUPDWLRQ RP I|UKnOODQGHQ VRP NDQ YDUD DY LQWUHVVH I|U NXQGHUQD

, I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW ILQQV RPIDWWDQGH LQIRUPDWLRQVNUDY RFK XSSI|UDQGHUHJOHU I|U I|UVlNULQJVGLVWULEXW|UHU NDSLWHO 9 DUWLNODUQD

opaginerad Arbetsordning och instruktioner om arbetsfördelningen mellan bolagsorganen Kontrollera mot PDF

± .UDYHQ RFK UHJOHUQD lU DQSDVVDGH HIWHU GH ROLND W\SHU DY GLVWULEXW|UHU VRP RPIDWWDV DY GLUHNWLYHW RFK GHQ YHUNVDPKHW VRP GHVVD DYVHU DWW XW|YD ,QIRUPDWLRQVNUDYHQ lU VnOHGHV LQWH GHVDPPD I|U DOOD W\SHU DY GLVWULEXW|UHU 6RP IUDPKnOOV L DYVQLWW lU I|UVlNULQJVGLVWULEX W|UHU LQWH HQ KRPRJHQ JUXSS 'HW lU VnOHGHV LQWH P|MOLJW DWW VWlOOD XSS DOOWI|U GHWDOMHUDGH UHJOHU I|U KXU I|UVlNULQJVGLVWULEXWLRQ VND XW|YDV VH SURS V I 'HW ILQQV VRP UHGDQ QlPQV L GHW DYVQLWWHW EHKRY DY IOH[LELOLWHW L UHJHOYHUNHW EnGH PHOODQ ROLND DNW|UHU RFK |YHU WLGHQ 6\IWHW PHG LQIRUPDWLRQVNUDYHQ L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW lU DWW I|UVlNULQJVWDJDUH L Vn VWRU XWVWlFNQLQJ VRP P|MOLJW VND In VDPPD LQIRUPDWLRQ RFK nWQMXWD VDPPD NRQVXPHQWVN\GG REHURHQGH DY GLVWULEX WLRQVNDQDO

, VNlOHQ WLOO GLUHNWLYHW DQJHV DWW GHW LQQHKnOOHU PLQLPLUHJOHU RP GHQ LQIRUPDWLRQ VRP I|UVlNULQJVGLVWULEXW|UHU PnVWH OlPQD WLOO VLQD NXQGHU VNlO 9LGDUH DQJHV DWW PHGOHPVVWDWHU E|U NXQQD EHKnOOD HOOHU DQWD VWULNWDUH EHVWlPPHOVHU LQRP RPUnGHW I|U LQIRUPDWLRQVOlPQDQGH RP EHVWlPPHOVHUQD lU I|UHQOLJD PHG XQLRQVUlWWHQ

, GLUHNWLYHW LQOHGV NDSLWOHW RP LQIRUPDWLRQVNUDY RFK XSSI|UDQGHUHJOHU PHG DOOPlQQD SULQFLSHU I|U KXU I|UVlNULQJVGLVWULEXW|UHU VND XSSWUlGD JHQWHPRW VLQD NXQGHU DUWLNHO 'H UHJOHUQD EHKDQGODV GHOYLV QHGDQ L DYVQLWW RP IRUPHU I|U LQIRUPDWLRQHQ PHQ L |YULJW L DYVQLWW RP UHJOHU I|U YHUNVDPKHWHQ .DSLWOHW LQQHKnOOHU GlUHIWHU UHJOHU RP DOOPlQ LQIRUPDWLRQ VRP VND OlPQDV WLOO NXQGHQ DUWLNHO LQIRUPDWLRQ VRP V\IWDU WLOO DWW W\GOLJJ|UD HYHQWXHOOD LQWUHVVHNRQIOLNWHU DUWLNHO RFK LQIRUPDWLRQVNUDY YLG UnGJLYQLQJ RFK YLG I|UVlOMQLQJ XWDQ UnGJLYQLQJ DUWLNHO , GLUHNWLYHW DQJHV lYHQ YLONHQ LQIRUPDWLRQ VRP VND OlPQDV DY I|UVlNULQJVI|UPHGODUH VRP EHGULYHU I|UPHGOLQJ VRP VLGRYHUNVDPKHW DUWLNHO .DSLWOHW LQQHKnOOHU YLGDUH UHJOHU RP IRUPNUDY I|U GHQ LQIRU PDWLRQ VRP VND OlPQDV DUWLNHO VDPW XQGDQWDJ IUnQ LQIRUPDWLRQV SOLNWHQ L YLVVD IDOO DUWLNHO , NDSLWOHW ILQQV VOXWOLJHQ lYHQ VlUVNLOGD UHJOHU RP LQIRUPDWLRQVNUDY RFK XSSI|UDQGHUHJOHU YLG NRUVI|UVlOMQLQJ DUWLNHO VDPW NUDY L IUnJD RP SURGXNWWLOOV\Q RFK VW\UQLQJ DUWLNHO 'H UHJOHUQD EHKDQGODV GHOYLV lYHQ L DYVQLWW RP UHJOHU I|U YHUNVDPKHWHQ ,QIRUPDWLRQVNUDYHQ YLG NRUVI|UVlOMQLQJ GHODU DY DUWLNHO EHKDQGODV HPHOOHUWLG L DYVQLWW

.DSLWHO 9 L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW PRWVYDUDV GHOYLV DY NDSLWHO ,,, L I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW VRP KDU JHQRPI|UWV L VYHQVN UlWW JHQRP ODJHQ RP I|UVlNULQJVI|UPHGOLQJ NDS , )LQDQV LQVSHNWLRQHQV I|UHVNULIWHU RFK DOOPlQQD UnG RP I|UVlNULQJVI|UPHGOLQJ ILQQV \WWHUOLJDUH EHVWlPPHOVHU EO D RP YDG VRP NUlYV I|U DWW XSSI\OOD LQIRUPDWLRQVVN\OGLJKHWHQ JHQWHPRW NXQGHUQD NDS 7LOOlPSQLQJV RPUnGHW I|U I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW lU GRFN VRP UHGDQ QlPQV L DYVQLWW YLGDUH lQ GHW I|U I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW )|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RPIDWWDU LQWH EDUD I|UVlNULQJV I|UPHGODUH XWDQ lYHQ I|UVlNULQJVI|UHWDJ RFK DQGUD PDUNQDGVDNW|UHU VRP KDU I|UVlOMQLQJ DY I|UVlNULQJVSURGXNWHU VRP VLGRYHUNVDPKHW )|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW LQQHKnOOHU GHVVXWRP L YLVVD DYVHHQGHQ Q\D RFK PHU SUHFLVHUDGH NUDY QlU GHW JlOOHU GHQ LQIRUPDWLRQ VRP VND OlPQDV WLOO NXQGHUQD

s. 6 .RUW RP |YHUODSSDQGH LQIRUPDWLRQVNUDY Kontrollera mot PDF

.RUW RP |YHUODSSDQGH LQIRUPDWLRQVNUDY

6RP IUDPJnU RYDQ DYVQLWW NRPPHU JHQRPI|UDQGHW L VYHQVN UlWW DY I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DWW JH XSSKRY WLOO YLVV GXEEHOUHJOHULQJ QlU GHW JlOOHU I|UVlNULQJVI|UHWDJHQV YHUNVDPKHW L ROLND DYVHHQGHQ 'HWWD JlOOHU EO D L IUnJD RP GHQ LQIRUPDWLRQVVN\OGLJKHW VRP VND JlOOD I|U I|UVlNULQJVI|UHWDJHQ )|U I|UHWDJHQ ILQQV L GDJ VnYlO QlULQJVUlWWVOLJD VRP FLYLOUlWWVOLJD EHVWlPPHOVHU RP GHQ LQIRUPDWLRQ VRP VND OlPQDV WLOO GHQ VRP HUEMXGV DWW WHFNQD I|UVlNULQJ WLOO I|UVlNULQJVWDJDUH RFK DQGUD HUVlWWQLQJVEHUlWWLJDGH XQGHU XWEHWDOQLQJVWLGHQ 'H KXYXGVDNOLJD QlULQJV UlWWVOLJD EHVWlPPHOVHUQD ILQQV L I|UVlNULQJVU|UHOVHODJHQ RFK L I|UHVNULIWHU VRP PHGGHODWV DY )LQDQVLQVSHNWLRQHQ VH )LQDQVLQVSHNWLRQHQV I|UH VNULIWHU RFK DOOPlQQD UnG >)))6 @ RP LQIRUPDWLRQ VRP JlOOHU I|UVlNULQJ RFK WMlQVWHSHQVLRQ 'H KXYXGVDNOLJD FLYLOUlWWVOLJD EHVWlP PHOVHUQD ILQQV L I|UVlNULQJVDYWDOVODJHQ %HVWlPPHOVHU RP LQIRUPDWLRQ ILQQV RFNVn L EO D ODJHQ RP XWOlQGVND I|UVlNULQJVJLYDUHV RFK WMlQVWHSHQVLRQVLQVWLWXWV YHUNVDPKHW L 6YHULJH PDUNQDGVI|ULQJVODJHQ ODJHQ RP ILQDQVLHOO UnGJLYQLQJ WLOO NRQVXPHQWHU RFK I|UHVNULIWHU VRP PHGGHODWV DY .RQVXPHQWYHUNHW

'H LQIRUPDWLRQVNUDY VRP ILQQV L I|UVlNULQJVU|UHOVHODJHQ RFK I|UVlNULQJVDYWDOVODJHQ lU I|UKnOODQGHYLV DOOPlQW IRUPXOHUDGH MlPI|UW PHG I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHWV LQIRUPDWLRQVUHJOHU

(QOLJW I|UVlNULQJVU|UHOVHODJHQ VND HWW I|UVlNULQJVI|UHWDJV LQIRUPDWLRQ WLOO I|UVlNULQJVWDJDUH RFK GHP VRP HUEMXGV DWW WHFNQD I|UVlNULQJ YDUD DQSDVVDG HIWHU I|UVlNULQJHQV DUW RFK W\GOLJW YLVD I|UVlNULQJHQV YLOONRU RFK YlUGHXWYHFNOLQJ bYHQ DQGUD HUVlWWQLQJVEHUlWWLJDGH Sn JUXQG DY I|UVlNULQJDU VND JHV GHQ LQIRUPDWLRQ GH EHK|YHU (WW I|UVlNULQJVEUHY VND YLGDUH LQQHKnOOD XSSJLIWHU EnGH RP GH DOOPlQQD I|UVlNULQJVYLOONRUHQ RFK RP GH VlUVNLOGD YLOONRUHQ I|U GHQ I|UVlNULQJ VRP DYVHV L EUHYHW NDS † 0HG VW|G DY HWW EHP\QGLJDQGH L ODJHQ NDS † InU )LQDQV LQVSHNWLRQHQ PHGGHOD I|UHVNULIWHU RP YLONHQ LQIRUPDWLRQ VRP HWW I|UVlNULQJVI|UHWDJ VND OlPQD , )LQDQVLQVSHNWLRQHQV I|UHVNULIWHU RFK DOOPlQQD UnG RP LQIRUPDWLRQ VRP JlOOHU I|UVlNULQJ RFK WMlQVWHSHQVLRQ ILQQV NRUWIDWWDGH DOOPlQQD NUDY Sn LQIRUPDWLRQ WLOO I|UVlNULQJVWDJDUH RFK HUVlWWQLQJVEHUlWWLJDGH NDS RFK †† LQIRUPDWLRQ VRP VND OlPQDV LQQDQ HQ I|UVlNULQJ PHGGHODV NDS † RFK LQIRUPDWLRQ VRP VND OlPQDV XQGHU I|UVlNULQJV RFK XWEHWDOQLQJVWLGHQ NDS RFK ††

, VDN lU GHW GHOYLV IUnJD RP LQIRUPDWLRQVNUDY VRP PRWVYDUDV DY UHJOHU L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 'H LQIRUPDWLRQVNUDY VRP I|UHVOnV

JlOOD I|U I|UVlNULQJVI|UHWDJHQ HQOLJW GHQ Q\D ODJHQ RP I|UVlNULQJV

GLVWULEXWLRQ WLOO I|OMG DY GLUHNWLYHW lU GRFN EHW\GOLJW PHU RPIDWWDQGH RFK

GHWDOMHUDGH lQ GH LQIRUPDWLRQVNUDY VRP L GDJ JlOOHU I|U I|UHWDJHQ HQOLJW

I|UVlNULQJVU|UHOVHODJHQ RFK QlPQGD P\QGLJKHWVI|UHVNULIWHU 'HWWD JlOOHU

VlUVNLOW L IUnJD RP GHQ LQIRUPDWLRQ VRP VND OlPQDV LQQDQ HWW I|UVlNULQJV

DYWDO LQJnV ,QIRUPDWLRQVNUDYHQ L GHQ Q\D ODJHQ RP I|UVlNULQJV

GLVWULEXWLRQ NRPPHU GlUI|U WLOO YLVV GHO DWW |YHUODSSD GH QXYDUDQGH

LQIRUPDWLRQVNUDYHQ 'HQQD W\S DY GXEEHOUHJOHULQJ lU HPHOOHUWLG LQWH

RYDQOLJ Sn ILQDQVPDUNQDGVRPUnGHW RFK L GHQ XWVWUlFNQLQJ LQIRUPDWLRQV

NUDYHQ lU |YHUODSSDQGH NRPPHU I|UVlNULQJVI|UHWDJHQ L UHJHO XSSI\OOD GH

QXYDUDQGH LQIRUPDWLRQVNUDYHQ JHQRP DWW XSSI\OOD GH PHU RPIDWWDQGH

NUDY VRP I|UHVOnV JlOOD HQOLJW GHQ Q\D ODJHQ

opaginerad $OOPlQ LQIRUPDWLRQ WLOO NXQGHQ Kontrollera mot PDF

, I|UKnOODQGH WLOO GH LQIRUPDWLRQVNUDY VRP DQJHV L I|UVlNULQJV DYWDOVODJHQ WRUGH |YHUODSSQLQJHQ EOL PHU EHJUlQVDG )|UVlNULQJV DYWDOVODJHQ LQQHKnOOHU YLVVHUOLJHQ YLVVD EHVWlPPHOVHU RP LQIRUPDWLRQ LQQDQ HQ I|UVlNULQJ PHGGHODV VH W H[ NDS RFK †† PHQ GlUXW|YHU PHU GHWDOMHUDGH NUDY Sn LQIRUPDWLRQ VRP VND OlPQDV QlU DYWDO KDU LQJnWWV RFK XQGHU DYWDOVWLGHQ VRP L DOOW YlVHQWOLJW VDNQDU PRWVYDULJKHW L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 6nOHGHV lU GHW IUlPVW L IUnJD RP NUDYHQ Sn I|UN|SVLQIRUPDWLRQ VRP HQ GXEEHOUHJOHULQJ XSSVWnU 'HW E|U GRFN IUDPKnOODV DWW GHW KlU HQGDVW lU IUnJD RP HQ SDUWLHOO |YHUODSSQLQJ HIWHUVRP GHQ LQIRUPDWLRQ VRP HQOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW VND OlPQDV WLOO HQ NXQG LQQDQ DYWDO LQJnV L KXYXGVDN VDNQDU QnJRQ GLUHNW PRWVYDULJKHW L I|UVlNULQJVDYWDOVODJHQV EHVWlPPHOVHU RP I|UN|SV LQIRUPDWLRQ W H[ LQIRUPDWLRQ RP SULV RFK HUVlWWQLQJ LQWUHVVHNRQIOLNWHU RFK UnGJLYQLQJ 'HQ GXEEHOUHJOHULQJ VRP XSSVWnU L I|UKnOODQGH WLOO I|UVlNULQJVDYWDOVODJHQ EHG|PV GlUPHG LQWH EOL VlUVNLOW RPIDWWDQGH (WW I|UVlNULQJVI|UHWDJ VRP OHYHU XSS WLOO GH VWUlQJDVWH DY GH NUDY VRP I|OMHU DY GHVVD ODJDU WRUGH L SUDNWLNHQ XSSI\OOD VLQD I|USOLNWHOVHU HQOLJW ElJJH ODJDUQD

'HW ILQQV L RFK I|U VLJ ODJWHNQLVND LQYlQGQLQJDU PRW DWW KD ROLND LQIRUPDWLRQVNUDY I|U I|UVlNULQJVI|UHWDJHQ L ROLND ODJDU 'HQ |YHUODSSQLQJ VRP XSSNRPPHU L I|UKnOODQGH WLOO I|UVlNULQJVDYWDOVODJHQV EHVWlPPHOVHU RP I|UN|SVLQIRUPDWLRQ VNXOOH W H[ NXQQD WDOD I|U DWW PDQ E|U VORSD GHVVD LQIRUPDWLRQVNUDY L GHQ ODJHQ (Q VnGDQ nWJlUG YRUH GRFN RO\FNOLJ HIWHUVRP HWW nVLGRVlWWDQGH DY GH LQIRUPDWLRQVNUDY VRP I|UHVOnV JlOOD HQOLJW GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ LQWH NRPPHU KD QnJUD DYWDOVUlWWVOLJD I|OMGHU 'H RYDQ DQJLYQD EHVWlPPHOVHUQD L I|UVlNULQJVDYWDOVODJHQ KDU GlUHPRW EHW\GHOVH I|U I|UVWnHOVHQ DY GHQ DYWDOVUlWWVOLJD I|OMGHQ YLG XQGHUOnWHQKHW DWW OlPQD YLVV LQIRUPDWLRQ HQOLJW GHQ ODJHQ VH W H[ NDS † bYHQ L IUnJD RP GHQ GXEEHOUHJOHULQJ VRP XSSNRPPHU L I|UKnOODQGH WLOO I|UVlNULQJVDYWDOVODJHQ E|U GHW IUDPKnOODV DWW I|UVlNULQJVI|UHWDJHQ lU YDQD YLG DWW GHW ILQQV EHVWlPPHOVHU L ROLND ODJDU RFK DQGUD I|UHVNULIWHU VRP JlOOHU SDUDOOHOOW , I|UDUEHWHQD WLOO I|UVlNULQJVDYWDOVODJHQ I|UXWVlWWV DWW GHW ILQQV \WWHUOLJDUH LQIRUPDWLRQVNUDY XW|YHU GH VRP DQJHV L GHQ ODJHQ VRP I|UHWDJHQ RFNVn PnVWH I|OMD VH SURS V )|UVlNULQJVI|UHWDJHQ EHVLWWHU GHVVXWRP L UHJHO JRG MXULGLVN NRPSHQWHQV 6DPPDQWDJHW EHG|PV GlUI|U LQWH GHQ GXEEHO UHJOHULQJ VRP UHGRJ|UV I|U RYDQ In QnJUD VW|UUH NRQVHNYHQVHU I|U I|UVlNULQJVI|UHWDJHQ

$OOPlQ LQIRUPDWLRQ WLOO NXQGHQ

3URPHPRULDQV I|UVODJ (Q I|UVlNULQJVGLVWULEXW|U VND L JRG WLG LQQDQ HWW I|UVlNULQJVDYWDO LQJnV OlPQD LQIRUPDWLRQ WLOO NXQGHQ RP

VLQ LGHQWLWHW DGUHVV RFK RP GHQ lU HQ I|UVlNULQJVI|UPHGODUH HOOHU HWW I|UVlNULQJVI|UHWDJ

GHQ HOOHU GH P\QGLJKHWHU VRP XW|YDU WLOOV\Q |YHU I|UVlNULQJV GLVWULEXW|UHQ

KXUXYLGD I|UVlNULQJVGLVWULEXW|UHQ WLOOKDQGDKnOOHU UnGJLYQLQJ RP

GH I|UVlNULQJVSURGXNWHU VRP VlOMV RFK

opaginerad GH P|MOLJKHWHU VRP ILQQV I|U NXQGHQ DWW IUDPVWlOOD NODJRPnO PRW Kontrollera mot PDF

GH P|MOLJKHWHU VRP ILQQV I|U NXQGHQ DWW IUDPVWlOOD NODJRPnO PRW

I|UVlNULQJVGLVWULEXW|UHQ UHVSHNWLYH In HQ WYLVW PHG I|UPHGODUHQ HOOHU I|UHWDJHW SU|YDG XWDQI|U GRPVWRO

(Q I|UVlNULQJVI|UPHGODUH VND lYHQ L JRG WLG LQQDQ HWW I|UVlNULQJV DYWDO LQJnV LQIRUPHUD NXQGHQ RP

GHW UHJLVWHU VRP I|UPHGODUHQ lU XSSWDJHQ L RFK KXU UHJLVWUHULQJHQ NDQ NRQWUROOHUDV

DQVYDUI|UVlNULQJHQ RFK

KXUXYLGD I|UPHGODUHQ I|UHWUlGHU NXQGHQ HOOHU DJHUDU I|U HWW I|UVlNULQJVI|UHWDJV UlNQLQJ

(Q VLGRYHUNVDP I|UVlNULQJVI|UPHGODUH VND L JRG WLG LQQDQ HWW I|UVlNULQJVDYWDO LQJnV OlPQD LQIRUPDWLRQ RP VLQ LGHQWLWHW P\QGLJ KHWHU VRP XW|YDU WLOOV\Q RFK P|MOLJKHWHQ DWW IUDPVWlOOD NODJRPnO UHVSHNWLYH In WYLVW SU|YDG VDPW RP UHJLVWHU UHJLVWUHULQJ RFK DQVYDUV I|UVlNULQJHQ 6DPPD LQIRUPDWLRQVNUDY VND JlOOD I|U HQ DQNQXWHQ VLGR YHUNVDP I|UVlNULQJVI|UPHGODUH GRFN PHG XQGDQWDJ DY NUDYHW Sn LQIRUPDWLRQ RP DQVYDUVI|UVlNULQJHQ

$QNQXWQD I|UVlNULQJVI|UPHGODUH RFK DQNQXWQD VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH VND L VWlOOHW I|U DWW LQIRUPHUD RP DQVYDUV I|UVlNULQJHQ LQIRUPHUD NXQGHQ RP DWW GHW I|UVlNULQJVI|UHWDJ PHG YLONHW I|UPHGODUHQ KDU LQJnWW DYWDO RP DWW I|UPHGOD GHVV I|UVlNULQJV SURGXNWHU lU DQVYDULJW I|U UHQ I|UP|JHQKHWVVNDGD VRP GUDEEDU HQ NXQG HQ I|UVlNULQJVJLYDUH HOOHU QnJRQ VRP KlUOHGHU VLQ UlWW IUnQ NXQGHQ WLOO I|OMG DY DWW I|UPHGODUHQ XSSVnWOLJHQ HOOHU DY RDNWVDPKHW nVLGRVlWWHU YLVVD VN\OGLJKHWHU VRP DQJHV L ODJHQ RP I|UVlNULQJV GLVWULEXWLRQ

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU PHGGHOD I|UHVNULIWHU RP GHQ LQIRUPDWLRQ VRP HQ I|UVlNULQJVGLVWULEXW|U VND OlPQD WLOO VLQD NXQGHU

6NlOHQ I|U SURPHPRULDQV I|UVODJ

Bakgrund

, I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW ILQQV NUDY Sn DOOPlQ LQIRUPDWLRQ VRP I|UVlNULQJVI|UPHGODUH RFK I|UVlNULQJVI|UHWDJ VND OlPQD WLOO NXQGHU LQQDQ I|UVlNULQJVDYWDO LQJnV DUWLNHO 'H LQIRUPDWLRQVNUDYHQ PRWVYDUDV L KXYXGVDN DY GH NUDY VRP JlOOHU L GDJ I|U I|UVlNULQJVI|UPHGODUH HQOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ NDS † DUWLNHO L I|UVlNULQJV I|UPHGOLQJVGLUHNWLYHW 6RP DQJHV L DYVQLWW VWlOOHU GRFN I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW WLOO VNLOOQDG IUnQ I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW XSS VSHFLILND LQIRUPDWLRQVNUDY lYHQ I|U I|UVlNULQJVI|UHWDJ 'lUWLOO VND I|UVlNULQJVI|UPHGODUH VRP EHGULYHU I|UVlNULQJVI|UPHGOLQJ VRP VLGR YHUNVDPKHW XSSI\OOD YLVVD DY GH DOOPlQQD LQIRUPDWLRQVNUDYHQ L I|UVlN ULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNODUQD RFK , GHQQD SURPHPRULD I|UHVOnV DWW GH NUDYHQ VND JlOOD lYHQ I|U DQNQXWQD VLGRYHUNVDPPD I|UVlN ULQJVI|UPHGODUH VH QHGDQ

(QOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW VND LQIRUPDWLRQHQ VRP KXYXG UHJHO OlPQDV WLOO NXQGHQ i god tid LQQDQ HWW I|UVlNULQJVDYWDO LQJnV DUWLNHO

(QOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ JlOOHU L GDJ DWW LQIRUPDWLRQHQ

VND OlPQDV i rimlig tid LQQDQ HWW DYWDO LQJnV NDS † 8WWU\FNHW ´L JRG

opaginerad Identitet och adress Kontrollera mot PDF

WLG´ I|UHNRPPHU L IOHUD ODJDU Sn YlUGHSDSSHUVPDUNQDGVRPUnGHW VH ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ ODJHQ RP YlUGHSDSSHUVIRQGHU RFK ODJHQ RP I|UYDOWDUH DY DOOPlQQD LQYHVWHULQJVIRQGHU bYHQ L 0L),' ,, ILQQV NUDY Sn DWW DOOPlQ LQIRUPDWLRQ WLOO NXQGHQ VND OlPQDV L JRG WLG LQQDQ DYWDO LQJnV DUWLNHO )|U NXQGHQ XSSOHYV RIWD VSDUDQGH L ILQDQVLHOOD LQVWUXPHQW RFK L YLVVD OLYI|UVlNULQJDU VRP OLNDUWDGH VSDUDOWHUQDWLY 'lUI|U E|U LQIRUPDWLRQVNUDYHQ L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ L Vn VWRU XWVWUlFNQLQJ VRP P|MOLJW XWIRUPDV Sn VDPPD VlWW VRP L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ , GHQ Q\D ODJHQ E|U GHW GlUI|U L HQOLJKHW PHG I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW VWlOODV XSS NUDY Sn DWW LQIRUPDWLRQHQ WLOO NXQGHQ L UHJHO VND OlPQDV L JRG WLG LQQDQ HWW DYWDO LQJnV ,QQHE|UGHQ DY DWW LQIRUPDWLRQ VND OlPQDV L JRG WLG E|U YDULHUD EHURHQGH Sn RPVWlQGLJKHWHUQD 'HW LQQHElU GRFN DWW I|UVlNULQJVGLVWULEXW|UHQ VRP KXYXGUHJHO VND OlPQD LQIRUPDWLRQHQ L VDPEDQG PHG GH LQOHGDQGH NRQWDNWHUQD PHG NXQGHQ RFK DWW NXQGHQ VND In WLOOUlFNOLJW PHG WLG I|U DWW WD GHO DY LQIRUPDWLRQHQ LQQDQ HWW DYWDO LQJnV .UDYHW Sn DWW LQIRUPDWLRQHQ VND OlPQDV WLOO NXQGHQ L JRG WLG LQQDQ DYWDOHW LQJnV JlOOHU I|U PHUSDUWHQ DY GH LQIRUPDWLRQVNUDY VRP VWlOOV L NDSLWHO 9 L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW

, I|UKnOODQGH WLOO GH NUDY RP DOOPlQ LQIRUPDWLRQ VRP I|U QlUYDUDQGH JlOOHU HQOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ NDS † LQQHElU GH DOOPlQQD LQIRUPDWLRQVNUDYHQ L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO LQWH QnJUD VW|UUH Q\KHWHU L VDN , QnJUD DYVHHQGHQ VWlOOV GHW GRFN L ODJHQ XSS LQIRUPDWLRQVNUDY VRP JnU XW|YHU GHP L GLUHNWLYHW VH NDS † I|UVWD VW\FNHW RFK 'HW VRP DQJHV L GLUHNWLYHW LQQHElU HPHOOHUWLG LQWH DWW GHW ILQQV VNlO DWW lQGUD HOOHU WD ERUW GHVVD LQIRUPDWLRQV NUDY 'H NUDYHQ E|U GlUI|U JlOOD lYHQ HQOLJW GHQ Q\D ODJHQ RP I|UVlN ULQJVGLVWULEXWLRQ

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU E|U In PHGGHOD I|UHVNULIWHU RP GHQ LQIRUPDWLRQ VRP HQ I|UVlNULQJVGLVWULEXW|U VND OlPQD WLOO VLQD NXQGHU (Q PRWVYDUDQGH P|MOLJKHW I|U UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU DWW PHGGHOD I|UHVNULIWHU ILQQV lYHQ L GDJ QlU GHW JlOOHU ODJHQ RP I|UVlNULQJVI|UPHGOLQJ VH QXYDUDQGH EHP\QGLJDQGH L NDS † I|URUGQLQJHQ RP I|UVlNULQJVI|UPHGOLQJ

Identitet och adress

(Q I|UVlNULQJVGLVWULEXW|U VND OlPQD LQIRUPDWLRQ WLOO NXQGHQ RP VLQ LGHQWLWHW DGUHVV RFK RP KXUXYLGD GH lU I|UVlNULQJVI|UPHGODUH HOOHU I|UVlNULQJVI|UHWDJ DUWLNHO I|UVWD VW\FNHW D L RFK DQGUD VW\FNHW E L L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW bYHQ I|UVlNULQJVI|UPHGODUH VRP EHGULYHU I|UPHGOLQJ VRP VLGRYHUNVDPKHW RPIDWWDV DY GHVVD LQIRUPDWLRQV NUDY DUWLNHO

)|U I|UVlNULQJVI|UPHGODUH JlOOHU L GDJ PRWVYDUDQGH NUDY HQOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ NDS † I|UVWD VW\FNH , GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ E|U GHW LQI|UDV HWW LQIRUPDWLRQVNUDY I|U DOOD W\SHU DY I|UVlNULQJVGLVWULEXW|UHU I|U DWW L VYHQVN UlWW JHQRPI|UD GHW VRP JlOOHU HQOLJW GLUHNWLYHW L GHWWD DYVHHQGH ,QIRUPDWLRQHQ RP LGHQWLWHW E|U LQQHKnOOD XSSJLIW RP VnYlO QDPQ VRP SHUVRQ HOOHU RUJDQLVDWLRQVQXPPHU 9LGDUH E|U LQIRUPDWLRQHQ RP DGUHVV RPIDWWD VnYlO SRVWDGUHVV VRP

EHV|NVDGUHVV WHOHIRQQXPPHU H SRVWDGUHVV RFK HYHQWXHOO ZHEEDGUHVV

opaginerad Tillsynsmyndigheter Kontrollera mot PDF

Tillsynsmyndigheter

(Q I|UVlNULQJVI|UPHGODUH VND HQOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ

LQIRUPHUD VLQD NXQGHU RP YLONHQ P\QGLJKHW VRP XW|YDU WLOOV\Q |YHU

I|UPHGODUHQ NDS † I|UVWD VW\FNHW 1nJRW PRWVYDUDQGH

LQIRUPDWLRQVNUDY VWlOOV LQWH XSS L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 'HW

QXYDUDQGH LQIRUPDWLRQVNUDYHW lU GRFN EHIRJDW EO D HIWHUVRP GHW lU ROLND

P\QGLJKHWHU VRP VN|WHU UHJLVWUHULQJ %RODJVYHUNHW UHVSHNWLYH WLOOV\Q

)LQDQVLQVSHNWLRQHQ 8W|YHU GHQ WLOOV\Q VRP )LQDQVLQVSHNWLRQHQ XW|YDU

DQVYDUDU .RQVXPHQWYHUNHW I|U DWW JUDQVND I|UHWDJHQV PDUNQDGVI|ULQJ RFK

UHNODP 'HW ILQQV GlUI|U VNlO I|U DWW GHW QXYDUDQGH LQIRUPDWLRQVNUDYHW

VND JlOOD lYHQ HQOLJW GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ ,QIRUPD

WLRQHQ E|U RPIDWWD )LQDQVLQVSHNWLRQHQV RFK .RQVXPHQWYHUNHWV SRVW

DGUHVVHU WHOHIRQQXPPHU H SRVWDGUHVVHU RFK ZHEESODWVDGUHVVHU

Information om huruvida rådgivning tillhandahålls

(QOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW VND I|UVlNULQJVI|UPHGODUH RFK

I|UVlNULQJVI|UHWDJ LQIRUPHUD VLQD NXQGHU RP KXUXYLGD GH WLOOKDQGDKnOOHU

UnGJLYQLQJ RP GH I|UVlNULQJVSURGXNWHU VRP VlOMV DUWLNHO I|UVWD

VW\FNHW D LL RFK DQGUD VW\FNHW E LL )|UVlNULQJVI|UPHGODUH VRP EHGULYHU

I|UPHGOLQJ VRP VLGRYHUNVDPKHW RPIDWWDV LQWH DY GHWWD NUDY MIU DUWLNHO

1nJRW DOOPlQW LQIRUPDWLRQVNUDY DY GHW VODJ VRP VWlOOV XSS L

I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW ILQQV LQWH L GDJ L ODJHQ RP I|UVlNULQJV

I|UPHGOLQJ 8U HWW NXQGSHUVSHNWLY PnVWH GHW DQVHV ULPOLJW DWW I|UVlNULQJV

I|UPHGODUH RFK I|UVlNULQJVI|UHWDJ UHGDQ YLG GH LQOHGDQGH NRQWDNWHUQD

PHG NXQGHQ OlPQDU LQIRUPDWLRQ RP KXUXYLGD NXQGHQ KDU P|MOLJKHW DWW

In UnGJLYQLQJ RP GH SURGXNWHU VRP VlOMV (WW VnGDQW LQIRUPDWLRQVNUDY E|U

GlUI|U LQI|UDV I|U I|UVlNULQJVI|UPHGODUH RFK I|UVlNULQJVI|UHWDJ L GHQ Q\D

ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

)|U I|UVlNULQJVI|UPHGODUH RFK I|UVlNULQJVI|UHWDJ VRP LQIRUPHUDW VLQD

NXQGHU RP DWW GH WLOOKDQGDKnOOHU UnGJLYQLQJ I|UHVOnV GHVVXWRP \WWHUOLJDUH

LQIRUPDWLRQVNUDY L IUnJD RP GHQ IDNWLVND UnGJLYQLQJHQ 'HVVD NUDY EH

KDQGODV L DYVQLWW RP LQWUHVVHNRQIOLNWHU RFK L DYVQLWW RP YLVVD

LQIRUPDWLRQVNUDY RFK XSSI|UDQGHUHJOHU YLG UnGJLYQLQJ RFK YLG I|UVlOM

QLQJ XWDQ UnGJLYQLQJ

Information om klagomåls- och överprövningsmöjligheter

(QOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO D LLL RFK E LLL VND

I|UVlNULQJVI|UPHGODUH RFK I|UVlNULQJVI|UHWDJ LQIRUPHUD NXQGHQ RP GH

P|MOLJKHWHU VRP ILQQV DWW IUDPVWlOOD NODJRPnO PRW I|UPHGODUHQ HOOHU

I|UHWDJHW DUWLNHO UHVSHNWLYH In HQ WYLVW PHG I|UPHGODUHQ HOOHU

I|UHWDJHW SU|YDG XWDQI|U GRPVWRO DUWLNHO bYHQ I|UVlNULQJV

I|UPHGODUH VRP EHGULYHU I|UPHGOLQJ VRP VLGRYHUNVDPKHW RPIDWWDV DY

GHVVD LQIRUPDWLRQVNUDY DUWLNHO MIU lYHQ DQNQXWQD VLGRYHUNVDPPD

I|UVlNULQJVI|UPHGODUH 0RWVYDUDQGH NUDY I|U I|UVlNULQJVI|UPHGODUH

ILQQV L GDJ L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ NDS † I|UVWD VW\FNHW

RFK

'HW QX DNWXHOOD LQIRUPDWLRQVNUDYHW L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

E|U JHQRPI|UDV L VYHQVN UlWW L PRWVYDUDQGH EHVWlPPHOVHU L GHQ Q\D ODJHQ

RP I|UVlNULQJVGLVWULEXWLRQ 'HW LQQHElU DWW NUDYHW L HQOLJKHW PHG

opaginerad Tillsynsmyndigheter Kontrollera mot PDF

GLUHNWLYHW VND JlOOD I|U DOOD I|UVlNULQJVGLVWULEXW|UHU 'HW lU DQJHOlJHW DWW

NXQGHU RFK DQGUD EHU|UGD SDUWHU NDQ DQPlOD NODJRPnO RFK In WYLVWHU O|VWD

Sn HWW OlPSOLJW RFK HIIHNWLYW VlWW RFK DWW GHUDV NODJRPnO EHVYDUDV XWDQ

GU|MVPnO ,QIRUPDWLRQVNUDYHW E|U LQQHIDWWD HQ VN\OGLJKHW I|U I|UVlNULQJV

GLVWULEXW|UHU DWW LQIRUPHUD VLQD NXQGHU RP P|MOLJKHWHQ DWW YlQGD VLJ WLOO

.RQVXPHQWHUQDV )|UVlNULQJVE\Un .RQVXPHQWHUQDV %DQN RFK ILQDQV

E\Un RFK $OOPlQQD UHNODPDWLRQVQlPQGHQ

Information om försäkringsförmedlarregistret

(QOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW VND HQ I|UVlNULQJVI|UPHGODUH

OlPQD LQIRUPDWLRQ WLOO NXQGHQ RP GHW UHJLVWHU I|UPHGODUHQ lU XSSWDJHQ L

RFK KXU UHJLVWHULQJHQ NDQ NRQWUROOHUDV DUWLNHO D LY bYHQ I|UVlNULQJV

I|UPHGODUH VRP EHGULYHU I|UPHGOLQJ VRP VLGRYHUNVDPKHW RPIDWWDV DY

GHWWD LQIRUPDWLRQVNUDY

0RWVYDUDQGH NUDY JlOOHU L GDJ I|U I|UVlNULQJVI|UPHGODUH HQOLJW ODJHQ

RP I|UVlNULQJVI|UPHGOLQJ NDS † I|UVWD VW\FNHW )|U DWW JHQRPI|UD

I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW E|U LQIRUPDWLRQVNUDYHW LQI|UDV L GHQ

Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ RFK JlOOD I|U I|UVlNULQJVI|UPHGODUH

RFK VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH .UDYHW E|U YLGDUH L HQOLJKHW

PHG YDG VRP DQI|UV RYDQ lYHQ JlOOD I|U DQNQXWQD VLGRYHUNVDPPD

I|UVlNULQJVI|UPHGODUH

Ansvarsförsäkring och ansvarigt försäkringsföretag

(QOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ VND I|UVlNULQJVI|UPHGODUH LQIRU PHUD VLQD NXQGHU RP DQVYDUVI|UVlNULQJHQ NDS † I|UVWD VW\FNHW )|U DQNQXWQD I|UVlNULQJVI|UPHGODUH JlOOHU L VWlOOHW HQ VN\OGLJKHW DWW XSSO\VD NXQGHQ RP DWW GHW I|UVlNULQJVI|UHWDJ PHG YLONHW I|UPHGODUHQ LQJnWW DYWDO RP DWW I|UPHGOD GHVV SURGXNWHU lU DQVYDULJW I|U I|UPHGODUHQV KDQGODQGH NDS † DQGUD VW\FNHW 1nJUD PRWVYDUDQGH LQIRUPDWLRQV NUDY ILQQV LQWH L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW .UDYHW Sn DQVYDUV I|UVlNULQJ lU GRFN lYHQ IRUWVlWWQLQJVYLV XU HWW NXQGVN\GGVSHUVSHNWLY HWW YLNWLJW LQVODJ L UHJOHULQJHQ DY I|UVlNULQJVI|UPHGODUH 'HW VDNQDV GlUI|U VNlO DWW WD ERUW GHW NRPSOHWWHUDQGH LQIRUPDWLRQVNUDY I|U DQNQXWQD I|UVlNULQJVI|UPHGODUH VRP L GDJ ILQQV L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ

.UDYHW E|U GlUI|U LQI|UDV L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ RFK JlOOD lYHQ I|U DQNQXWQD VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH

Information om vem försäkringsförmedlaren företräder

(QOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW VND HQ I|UVlNULQJVI|UPHGODUH LQIRUPHUD NXQGHQ RP KXUXYLGD I|UPHGODUHQ I|UHWUlGHU NXQGHQ HOOHU DJHUDU I|U HWW I|UVlNULQJVI|UHWDJV UlNQLQJ DUWLNHO D Y 1nJRQ GLUHNW PRWVYDULJKHW WLOO GHW NUDYHW ILQQV YDUNHQ L I|UVlNULQJVI|UPHGOLQJV GLUHNWLYHW HOOHU L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ

'HW lU DY QDWXUOLJD VNlO YLNWLJW DWW HQ NXQG LQQDQ GHQ LQJnU HWW I|UVlN ULQJVDYWDO InU W\GOLJ RFK UHOHYDQW LQIRUPDWLRQ RP I|UKnOODQGHQD I|U GHQ VRP DYVHU DWW VlOMD I|UVlNULQJVSURGXNWHQ L IUnJD , GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ E|U GlUI|U I|U DWW L VYHQVN UlWW JHQRI|UD GH QX DNWXHOOD UHJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW LQI|UDV HWW NUDY Sn DWW HQ I|UVlNULQJVI|UPHGODUH VND LQIRUPHUD NXQGHQ RP KXUXYLGD I|UPHG

ODUHQ I|UHWUlGHU NXQGHQ HOOHU DJHUDU I|U HWW I|UVlNULQJVI|UHWDJV UlNQLQJ ,

opaginerad ,QIRUPDWLRQ RP LQWUHVVHNRQIOLNWHU Kontrollera mot PDF

WLOOlPSOLJD IDOO E|U LQIRUPDWLRQHQ DYVH EO D I|UKnOODQGHW PHOODQ I|UVlN ULQJVI|UHWDJHW RFK I|UPHGODUHQ MIU VNlO WLOO GLUHNWLYHW

'HW E|U YLGDUH IUDPKnOODV DWW GHW QX DNWXHOOD LQIRUPDWLRQVNUDYHW NRPS OHWWHUDV DY NUDY Sn LQIRUPDWLRQ RP LQWUHVVHNRQIOLNWHU VH QHGDQ DYVQLWW

,QIRUPDWLRQ RP LQWUHVVHNRQIOLNWHU

%DNJUXQG

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW LQQHKnOOHU HWW DQWDO LQIRUPDWLRQVNUDY I|U I|UVlNULQJVI|UPHGODUH RFK I|UVlNULQJVI|UHWDJ VRP Sn ROLND VlWW V\IWDU WLOO DWW W\GOLJJ|UD HYHQWXHOOD LQWUHVVHNRQIOLNWHU I|U NXQGHUQD DUWLNHO bYHQ VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH RFK DQNQXWQD VLGRYHUN VDPPD I|UVlNULQJVI|UPHGODUH RPIDWWDV GHOYLV DY GH NUDYHQ VH DUWLNHO , VDN PRWVYDUDV GH QX DNWXHOOD LQIRUPDWLRQVNUDYHQ L GLUHNWLYHW GHOYLV DY GH LQIRUPDWLRQVNUDY VRP JlOOHU L GDJ I|U I|UPHGODUH HQOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ NDS RFK †† DUWLNHO L I|UVlNULQJV I|UPHGOLQJVGLUHNWLYHW , GHQ ODJHQ ILQQV GHW GRFN LQWH QnJUD XWWU\FNOLJD EHVWlPPHOVHU RP LQWUHVVHNRQIOLNWHU VRP PRWVYDUDU GHP L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ VH W H[ NDS † RFK NDS †

, I|UKnOODQGH WLOO JlOODQGH UlWW LQQHElU I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DWW UHJOHUQD RP LQIRUPDWLRQ RP RFK KDQWHULQJ DY LQWUHVVHNRQIOLNWHU I|UW\GOLJDV VDPW DWW NUDYHQ I|U I|UVlNULQJVGLVWULEXW|UHU L K|JUH XWVWUlFN QLQJ NRPPHU DWW OLNQD GH NUDY VRP JlOOHU I|U YlUGHSDSSHUVLQVWLWXW HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ 'HWWD PRWLYHUDV EO D DY DWW GHW L YLVV XWVWUlFNQLQJ U|U VLJ RP HQ OLNDUWDG YHUNVDPKHW RFK DWW HQ RFK VDPPD PDUNQDGVDNW|U NDQ KD WLOOVWnQG DWW JH UnG RP RFK I|UPHGOD VnYlO ILQDQVLHOOD LQVWUXPHQW VRP I|UVlNULQJDU VH SURPHPRULDQ 6WlUNW NRQVXPHQWVN\GG YLG I|UVlNULQJVI|UPHGOLQJ > 'V @ V 7UHGMHSDUWVHUVlWWQLQJ L IRUP DY EO D SURYLVLRQHU lU YDQOLJW I|UHNRP PDQGH YLG I|UPHGOLQJ DY VnYlO ILQDQVLHOOD LQVWUXPHQW VRP I|UVlNULQJ 'lUWLOO XSSOHYHU NXQGHQ RIWD EnGH ILQDQVLHOOD LQVWUXPHQW RFK I|UVlNULQJDU VRP NRPSOH[D SURGXNWHU 'HW LQQHElU DWW GHW LQRP EnGD GHVVD PDUNQDGHU ILQQV VNlO DWW LQI|UD HWW VNlUSW RFK OLNYlUGLJW NXQGVN\GG VRP PLQVNDU ULVNHQ I|U GH LQWUHVVHNRQIOLNWHU VRP ILQQV YLG GLVWULEXWLRQ DY ILQDQVLHOOD LQVWUXPHQW RFK I|UVlNULQJDU 'H DOOPlQQD LQIRUPDWLRQVNUDYHQ L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW QlU GHW JlOOHU LQWUHVVHNRQIOLNWHU NRPSOHWWHUDV L YLVVD DYVHHQGHQ DY \WWHUOLJDUH LQIRUPDWLRQVNUDY RFK XSSI|UDQGHUHJOHU YLG EO D UnGJLYQLQJ RFK YLG I|UVlOMQLQJ XWDQ UnGJLYQLQJ DUWLNHO VDPW YLG GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJV SURGXNWHU DUWLNODUQD ± VH DYVQLWW RP UHJOHU I|U YHUNVDPKHWHQ RFK DYVQLWW RP I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU

,QIRUPDWLRQ RP lJDUI|UKnOODQGHQ P P

3URPHPRULDQV I|UVODJ (Q I|UVlNULQJVI|UPHGODUH VND L JRG WLG LQQDQ HWW I|UVlNULQJVDYWDO LQJnV OlPQD LQIRUPDWLRQ WLOO NXQGHQ RP KXUXYLGD

I|UPHGODUHQ KDU HWW NYDOLILFHUDW LQQHKDY L HWW I|UVlNULQJVI|UHWDJ HOOHU

opaginerad I|UHWDJ KDU HWW NYDOLILFHUDW LQQHKDY L I|UVlNULQJVI|UPHGODUHQ Kontrollera mot PDF

RP HWW I|UVlNULQJVI|UHWDJ HOOHU HWW PRGHUERODJ WLOO HWW I|UVlNULQJV

I|UHWDJ KDU HWW NYDOLILFHUDW LQQHKDY L I|UVlNULQJVI|UPHGODUHQ

(Q I|UVlNULQJVI|UPHGODUH VND L JRG WLG LQQDQ HWW I|UVlNULQJVDYWDO

LQJnV lYHQ OlPQD LQIRUPDWLRQ WLOO NXQGHQ RP KXUXYLGD I|UPHGODUHQ

OlPQDU UnGJLYQLQJ Sn JUXQGYDO DY HQ RSDUWLVN RFK SHUVRQOLJ

DQDO\V

JHQRP DYWDO lU I|USOLNWLJDG DWW I|UPHGOD I|UVlNULQJDU XWHVOXWDQGH

I|U HWW HOOHU IOHUD I|UVlNULQJVI|UHWDJV UlNQLQJ HOOHU

I|UPHGODU I|UVlNULQJDU IUnQ HWW HOOHU IOHUD I|UVlNULQJVI|UHWDJ L

DQQDW IDOO

)|UPHGODUHQ VND L I|UHNRPPDQGH IDOO lYHQ DQJH QDPQHQ Sn GH

DNWXHOOD I|UVlNULQJVI|UHWDJHQ

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU

PHGGHOD I|UHVNULIWHU RP I|UVlNULQJVI|UPHGODUHV LQIRUPDWLRQVVN\O

GLJKHW QlU GHW JlOOHU LQWUHVVHNRQIOLNWHU

6NlOHQ I|U SURPHPRULDQV I|UVODJ

Information om vissa ägarförhållanden

(QOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO D RFK E VND HQ I|UVlNULQJVI|UPHGODUH LQIRUPHUD NXQGHQ RP KXUXYLGD I|UPHGODUHQ GLUHNW HOOHU LQGLUHNW LQQHKDU HOOHU PHU DY U|VWHUQD HOOHU DY NDSLWDOHW L HWW YLVVW I|UVlNULQJVI|UHWDJ HOOHU RP HWW YLVVW I|UVlNULQJVI|UHWDJ HOOHU HWW PRGHUERODJ WLOO HWW YLVVW I|UVlNULQJVI|UHWDJ GLUHNW HOOHU LQGLUHNW LQQHKDU HOOHU PHU DY U|VWHUQD HOOHU NDSLWDOHW L I|UPHGODUYHUNVDPKHWHQ

(WW OLNDO\GDQGH NUDY ILQQV L I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW DUWLNHO F RFK G RFK KDU JHQRPI|UWV L VYHQVN UlWW L HQ EHVWlPPHOVH L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ NDS † I|UVWD VW\FNHW 9LG JHQRPI|UDQGHW

DY I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW XWIRUPDGHV HPHOOHUWLG EHVWlPPHOVHQ L ODJHQ HIWHU KXU GHILQLWLRQHQ DY EHJUHSSHW kvalificerat innehav YDU

XWIRUPDW L GHQ QXPHUD XSSKlYGD I|UVlNULQJVU|UHOVHODJHQ , I|UDUEHWHQD DQJHV EO D I|OMDQGH SURS V

'HW KXYXGVDNOLJD V\IWHW PHG EHVWlPPHOVHQ L GLUHNWLYHW InU DQWDV YDUD DWW NXQGHQ VND In LQIRUPDWLRQ RP VnGDQW lJDQGH VRP NDQ PHGI|UD DWW I|UVlN ULQJVI|UPHGODUHQ LQWDU HQ EHURHQGHVWlOOQLQJ L I|UKnOODQGH WLOO HQ I|UVlN ULQJVJLYDUH 0RW GHQQD EDNJUXQG E|U EHVWlPPHOVHQ L GHQ Q\D ODJHQ L VWlOOHW XWIRUPDV HIWHU KXU EHJUHSSHW NYDOLILFHUDW LQQHKDY KDU GHILQLHUDWV L NDS L † I|UVlNULQJVU|UHOVHODJHQ 'HWWD LQQHElU DWW LQ IRUPDWLRQVNUDYHW LQWH EDUD NRPPHU DWW RPIDWWD LQQHKDY VRP |YHUVWLJHU WLR SURFHQW XWDQ lYHQ LQQHKDY VRP Sn DQQDW VlWW P|MOLJJ|U HWW YlVHQWOLJW LQIO\WDQGH |YHU OHGQLQJHQ DY I|UHWDJHW

'HW ILQQV LQWH VNlO DWW QlU GHW JlOOHU JHQRPI|UDQGHW L VYHQVN UlWW DY

PRWVYDUDQGH UHJOHU L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW J|UD QnJRQ DQQDQ

EHG|PQLQJ lQ GHQ VRP JMRUGHV YLG JHQRPI|UDQGHW DY I|UVlNULQJV

I|UPHGOLQJVGLUHNWLYHW 'HQ QXYDUDQGH EHVWlPPHOVHQ L ODJHQ RP I|UVlN

ULQJVI|UHPHGOLQJ E|U GlUI|U I|UDV |YHU WLOO GHQ Q\D ODJHQ RP I|UVlNULQJV

GLVWULEXWLRQ MIU lYHQ NDS † I|UVlNULQJVU|UHOVHODJHQ > @

opaginerad Viss information i fråga om det försäkringsavtal som erbjuds Kontrollera mot PDF

Viss information i fråga om det försäkringsavtal som erbjuds

(QOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW lU HQ I|UVlNULQJVI|UPHGODUH VN\OGLJ DWW LQIRUPHUD NXQGHQ RP KXUXYLGD I|UPHGODUHQ L IUnJD RP GHW DYWDO VRP I|UHVOnV HOOHU VRP GHW JHV UnG RP OlPQDU UnGJLYQLQJ Sn JUXQGYDO DY HQ RSDUWLVN RFK SHUVRQOLJ DQDO\V HOOHU RP I|UPHGODUHQ Sn JUXQG DY DYWDO HOOHU Sn DQQDQ JUXQG I|UPHGODU I|UVlNULQJDU HQGDVW IUnQ HWW YLVVW HOOHU YLVVD I|UVlNULQJVI|UHWDJ DUWLNHO F )|U GHW IDOO I|UVlN ULQJVI|UPHGODUHQ HQGDVW I|UPHGODU I|UVlNULQJDU IUnQ HWW YLVVW HOOHU YLVVD I|UVlNULQJVI|UHWDJ VND I|UPHGODUHQ lYHQ DQJH QDPQHQ Sn GH DNWXHOOD I|UHWDJHQ

)|U HQ NXQG lU GHW QDWXUOLJWYLV YLNWLJW DWW YHWD RP GHQ I|UPHGODUH VRP NXQGHQ DQOLWDU WLOOKDQGDKnOOHU UnGJLYQLQJ Sn JUXQGYDO DY HQ RSDUWLVN RFK SHUVRQOLJ DQDO\V 6\IWHW PHG LQIRUPDWLRQVNUDYHQ lU DWW NXQGHQ VND JHV P|MOLJKHW DWW EHG|PD RFK YlUGHUD GH I|UVODJ Sn I|UVlNULQJVO|VQLQJ VRP OlPQDV DY I|UPHGODUHQ L GHW HQVNLOGD IDOOHW ,QIRUPDWLRQVNUDYHW lU GHVV XWRP GLUHNW NRSSODW WLOO GH XSSI|UDQGHUHJOHU VRP VWlOOV XSS L GLUHNWLYHW I|U GLVWULEXW|UHU VRP XSSJHU VLJ JH RSDUWLVN UnGJLYQLQJ RFK WLOO GH \WWHU OLJDUH YLOONRU VRP HQOLJW I|UVODJHQ L GHQQD SURPHPRULD VND JlOOD YLG VnGDQ UnGJLYQLQJ VH DYVQLWW RP UHJOHU I|U YHUNVDPKHWHQ

'H QX DNWXHOOD LQIRUPDWLRQVNUDYHQ L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW PRWVYDUDU GHP L I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW DUWLNHO DQGUD VW\FNHW 'H NUDYHQ KDU JHQRPI|UWV L VYHQVN UlWW L EHVWlPPHOVHU L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ NDS † I|UVWD VW\FNHW RFK RFK DQGUD VW\FNHW )|U DWW JHQRPI|UD UHJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW E|U QXYDUDQGH EHVWlPPHOVHU L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ I|UDV |YHU WLOO GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

,QIRUPDWLRQ RP SULV RFK HUVlWWQLQJDU

3URPHPRULDQV I|UVODJ (Q I|UVlNULQJVI|UPHGODUH VND L JRG WLG LQQDQ HWW I|UVlNULQJVDYWDO LQJnV OlPQD LQIRUPDWLRQ WLOO NXQGHQ RP DUWHQ DY GHQ HUVlWWQLQJ VRP I|UPHGODUHQ HUKnOOHU I|U I|UVlNULQJVDYWDOHW YHP HOOHU YLOND VRP EHWDODU HUVlWWQLQJHQ RFK VWRUOHNHQ Sn HUVlWWQLQJHQ HOOHU RP GHWWD LQWH lU P|MOLJW JUXQGHUQD I|U KXU HUVlWWQLQJHQ EHVWlPV

(WW I|UVlNULQJVI|UHWDJ VND L JRG WLG LQQDQ HWW I|UVlNULQJVDYWDO LQJnV OlPQD LQIRUPDWLRQ WLOO NXQGHQ RP DUWHQ DY GHQ HUVlWWQLQJ VRP I|UHWDJHWV DQVWlOOGD WDU HPRW I|U I|UVlNULQJVDYWDOHW YHP HOOHU YLOND VRP EHWDODU HUVlWWQLQJHQ RFK VWRUOHNHQ Sn HUVlWWQLQJHQ HOOHU RP GHWWD LQWH lU P|MOLJW JUXQGHUQD I|U KXU HUVlWWQLQJHQ EHVWlPV

6LGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH RFK DQNQXWQD VLGRYHUN VDPPD I|UVlNULQJVI|UPHGODUH VND L JRG WLG LQQDQ HWW I|UVlNULQJVDYWDO LQJnV OlPQD LQIRUPDWLRQ WLOO NXQGHQ RP DUWHQ DY GHQ HUVlWWQLQJ VRP WDV HPRW I|U I|UVlNULQJVDYWDOHW

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU PHGGHOD I|UHVNULIWHU RP I|UVlNULQJVGLVWULEXW|UHUV VN\OGLJKHW DWW OlPQD LQIRUPDWLRQ RP SULV RFK HUVlWWQLQJDU

opaginerad 6NlOHQ I|U SURPHPRULDQV I|UVODJ Kontrollera mot PDF

6NlOHQ I|U SURPHPRULDQV I|UVODJ

Informationskrav i försäkringsdistributionsdirektivet

(QOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW lU I|UVlNULQJVI|UPHGODUH RFK I|UVlNULQJVI|UHWDJ VN\OGLJD DWW OlPQD YLVV LQIRUPDWLRQ WLOO VLQD NXQGHU RP GHQ HUVlWWQLQJ VRP WDV HPRW I|U I|UVlNULQJVDYWDOHW DUWLNHO G RFK H RFK ±

(Q I|UVlNULQJVI|UPHGODUH lU HQOLJW GLUHNWLYHW VN\OGLJ DWW LQIRUPHUD NXQGHQ RP DUWHQ DY GHQ HUVlWWQLQJ VRP WDV HPRW I|U I|UVlNULQJVDYWDOHW VDPW OlPQD XSSJLIW RP KXUXYLGD I|UPHGODUHQ DYVHHQGH DYWDOHW DUEHWDU Sn JUXQGYDO DY HWW DUYRGH VRP EHWDODV GLUHNW DY NXQGHQ HQ SURYLVLRQ DY QnJRW VODJ QnJRQ DQQDQ W\S DY HUVlWWQLQJ HOOHU HQ NRPELQDWLRQ DY GH DQJLYQD HUVlWWQLQJVW\SHUQD (QGDVW RP DUYRGHW VND EHWDODV GLUHNW DY NXQGHQ lU I|UPHGODUHQ VN\OGLJ DWW LQIRUPHUD RP DUYRGHWV VWRUOHN HOOHU RP GHW LQWH lU P|MOLJW PHWRGHQ I|U DWW EHUlNQD EHORSSHW

)|UVlNULQJVI|UHWDJ VND HQOLJW GLUHNWLYHW LQIRUPHUD VLQD NXQGHU RP DUWHQ DY GHQ HUVlWWQLQJ VRP WDV HPRW DY I|UHWDJHWV DQVWlOOGD I|U I|UVlNULQJV DYWDOHW

)|U VnYlO I|UPHGODUH VRP I|UHWDJ JlOOHU HQ VN\OGLJKHW DWW OlPQD VnGDQ LQIRUPDWLRQ L VDPEDQG PHG YDUMH EHWDOQLQJ VRP NXQGHQ J|U LQRP UDPHQ I|U I|UVlNULQJVDYWDOHW HIWHU GHW DWW GHW LQJnWWV ,QIRUPDWLRQHQ EHK|YHU GRFN LQWH OlPQDV Sn Q\WW RP GHW lU IUnJD RP O|SDQGH SUHPLHEHWDOQLQJDU HOOHU DQGUD SODQPlVVLJD EHWDOQLQJDU VRP NXQGHQ J|U LQRP DYWDOHW DUWLNHO RFK

)|UVlNULQJVI|UPHGODUH VRP EHGULYHU I|UPHGOLQJ VRP VLGRYHUNVDPKHW lU HQGDVW VN\OGLJD DWW LQIRUPHUD VLQD NXQGHU RP DUWHQ DY GHQ HUVlWWQLQJ VRP WDV HPRW I|U I|UVlNULQJVDYWDOHW DUWLNHO

Gällande rätt

, I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW ILQQV LQJD LQIRUPDWLRQVNUDY VRP PRW VYDUDU UHJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RP LQIRUPDWLRQ RP SULV RFK HUVlWWQLQJDU , I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW VWlOOV GHW HQGDVW YLG WHOHIRQI|UVlOMQLQJ WLOO NRQVXPHQWHU XSS HWW NUDY Sn DWW I|UPHGODUHQ VND OlPQD LQIRUPDWLRQ RP SULVHW I|U WMlQVWHQ DUWLNHO 7URWV GHWWD LQI|UGHV YLG JHQRPI|UDQGHW L VYHQVN UlWW DY GHW GLUHNWLYHW HWW DOOPlQW NUDY L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ Sn SULVLQIRUPDWLRQ I|U I|UVlNULQJV I|UPHGODUH NDS † I|UVWD VW\FNHW 'HW NUDYHW LQQHElU DWW HQ I|UVlNULQJVI|UPHGODUH VND OlPQD LQIRUPDWLRQ WLOO NXQGHQ RP SULVHW I|U I|UVlNULQJVI|UPHGOLQJHQ HOOHU JUXQGHUQD I|U KXU SULVHW EHVWlPV RFK RP SURYLVLRQ HOOHU DQQDQ HUVlWWQLQJ NDQ I|UYlQWDV EOL EHWDOG DY DQQDQ lQ NXQGHQ

, )LQDQVLQVSHNWLRQHQV I|UHVNULIWHU RFK DOOPlQQD UnG RP I|UVlNULQJV I|UPHGOLQJ ILQQV GHWDOMHUDGH EHVWlPPHOVHU RP LQIRUPDWLRQ RP SULV RFK HUVlWWQLQJDU 'H LQQHElU DWW HQ I|UVlNULQJVI|UPHGODUH EO D VND LQIRUPHUD NXQGHQ RP DOO HUVlWWQLQJ VRP I|UPHGODUHQ InU I|U I|UVlNULQJVI|UPHG OLQJHQ RDYVHWW RP GHQ EHWDODV DY QnJRQ DQQDQ lQ NXQGHQ HOOHU LQWH NDS † ,QIRUPDWLRQHQ VND VRP KXYXGUHJHO DYVH VWRUOHNHQ Sn HUVlWWQLQJHQ HOOHU RP GHWWD LQWH lU P|MOLJW JUXQGHUQD I|U KXU HUVlWW QLQJHQ EHVWlPV , I|UHNRPPDQGH IDOO VND LQIRUPDWLRQ lYHQ OlPQDV RP HUVlWWQLQJ WLOO I|UPHGODUHQV DQVWlOOGD HOOHU XSSGUDJVWDJDUH 6lUVNLOGD

opaginerad EHVWlPPHOVHU ILQQV lYHQ I|U YLVVD IRUPHU DY HUVlWWQLQJDU NDS ± †† Kontrollera mot PDF

EHVWlPPHOVHU ILQQV lYHQ I|U YLVVD IRUPHU DY HUVlWWQLQJDU NDS ± ††

Genomförandet av försäkringsdistributionsdirektivet

0RW EDNJUXQG DY GHW VRP DQI|UV RYDQ NDQ GHW NRQVWDWHUDV DWW GHQ QX YDUDQGH LQIRUPDWLRQVVN\OGLJKHWHQ VRP JlOOHU I|U I|UVlNULQJVI|UPHGODUH HQOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ L DOOW YlVHQWOLJW XSSI\OOHU GH NUDY VRP VWlOOV XSS I|U I|UVlNULQJVI|UPHGODUH L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW *HQRP )LQDQVLQVSHNWLRQHQV I|UHVNULIWHU JlOOHU GRFN UHGDQ L GDJ HQ LQIRUPDWLRQVVN\OGLJKHW I|U I|UVlNULQJVI|UPHGODUH VRP lU PHU OnQJWJnHQGH lQ GHQ VRP DQJHV L GLUHNWLYHW 'H QXYDUDQGH LQIRUPDWLRQV NUDYHQ L )LQDQVLQVSHNWLRQHQV I|UHVNULIWHU E|U YDUD EHIRJDGH lYHQ L IRUWVlWWQLQJHQ 0nQJD NXQGHU Sn I|UVlNULQJVPDUNQDGHQ EHILQQHU VLJ VRP QlPQV L DYVQLWW L HWW VWRUW LQIRUPDWLRQV RFK NXQVNDSVXQGHUOlJH L I|UKnOODQGH WLOO GH VRP VlOMHU I|UVlNULQJVSURGXNWHUQD 'HW lU GlUI|U YLNWLJW DWW NXQGHUQD InU IXOOVWlQGLJ RFK W\GOLJ LQIRUPDWLRQ (Q QDWXUOLJ RFK ULPOLJ XWJnQJVSXQNW PnVWH GlUI|U YDUD DWW GHQ VRP DQOLWDU HQ I|UVlNULQJVI|UPHGODUH DOOWLG VND In HQ NODU RFK W\GOLJ SULVXSSJLIW $WW GHW UnGHU |SSHQKHW RFK W\GOLJKHW JHQWHPRW NXQGHQ QlU GHW JlOOHU SULV RFK NRVWQDGHU lU DOOWLG YlVHQWOLJW PHQ VlUVNLOW YLNWLJW QlU GHW JlOOHU I|UVlNULQJVI|UPHGODUH HIWHUVRP GHVVD NDQ EOL HUVDWWD I|U VLWW DUEHWH Sn ROLND VlWW , GH IDOO HQ I|UVlNULQJVI|UPHGODUH InU HUVlWWQLQJ I|U VLWW DUEHWH JHQRP SURYLVLRQ VRP EHWDODV DY I|UVlNULQJVJLYDUHQ InU GHW DQWDV DWW NRVWQDGHQ I|U GHWWD \WWHUVW NRPPHU DWW EHODVWD NXQGHQ HOOHU L YDUW IDOO NROOHNWLYHW DY I|UVlNULQJVWDJDUH 8WDQ HQ |SSHQ UHGRYLVQLQJ DY GHVVD NRVWQDGHU lU GHW VYnUW I|U NXQGHQ DWW |YHUEOLFND YLONHW IDNWLVNW SULV VRP KDQ HOOHU KRQ VOXWOLJHQ NRPPHU DWW In EHWDOD I|U GHW DUEHWH VRP XWI|UV DY I|UVlNULQJVI|UPHGODUHQ MIU SURS V ±

'HW ILQQV PHG KlQV\Q WLOO GHW DQI|UGD VNlO I|U DWW GHW HQOLJW GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ E|U JlOOD HQ LQIRUPDWLRQVVN\OGLJKHW I|U I|UVlNULQJVI|UPHGODUH VRP JnU XW|YHU GHW VRP NUlYV HQOLJW I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW RFK VRP L VW|UUH XWVWUlFNQLQJ PRWVYDUDU GH NUDY VRP L GDJ ILQQV L )LQDQVLQVSHNWLRQHQV I|UHVNULIWHU RFK DOOPlQQD UnG RP I|UVlNULQJVI|UPHGOLQJ QlU GHW JlOOHU LQIRUPDWLRQ RP SULV RFK HUVlWW QLQJDU , GHQ Q\D ODJHQ E|U GHW GRFN WLOO VNLOOQDG L ODJHQ RP I|UVlNULQJV I|UPHGOLQJ XWWU\FNOLJHQ DQJHV DWW HQ I|UVlNULQJVI|UPHGODUH VRP KXYXG UHJHO VND YDUD VN\OGLJ LQIRUPHUD NXQGHQ RP DUWHQ RFK VWRUOHNHQ Sn GHQ HOOHU GH HUVlWWQLQJDU VRP I|UPHGODUHQ WDU HPRW PHG DQOHGQLQJ DY I|UVlN ULQJVDYWDOHW RFK RP YHP HOOHU YLOND VRP EHWDODU HUVlWWQLQJHQ *HQRP DWW LQI|UD HWW VnGDQW LQIRUPDWLRQVNUDY L GHQ Q\D ODJHQ XQGHUVWU\NV YLNWHQ DY W\GOLJ RFK IXOOVWlQGLJ SULVLQIRUPDWLRQ WLOO NXQGHUQD 'HW LQQHElU VnOHGHV HWW OlQJUH JnHQGH NUDY lQ GHW L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW .UDYHW VWlUNHU NXQGVN\GGHW L I|UKnOODQGH WLOO GHW VRP JlOOHU HQOLJW GLUHNWLYHW RFK lU GlUI|U HWW VnGDQW VWUlQJDUH NUDY VRP PHGOHPVVWDWHUQD InU LQI|UD VH VNlO 'HQ LQQHElU VDPWLGLJW DWW GHW L ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ VWlOOV XSS LQIRUPDWLRQVNUDY I|U I|UVlNULQJVI|UPHGODUH VRP lU PHU OLNYlUGLJD GH NUDY VRP VWlOOV XSS Sn YlUGHSDSSHUVPDUNQDGVRPUnGHW MIU DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RFK DUWLNHO L 0L),' ,,

'HW lU VMlOYIDOOHW YLNWLJW DWW NXQGHQ InU W\GOLJ SULVLQIRUPDWLRQ RDYVHWW

RP NXQGHQ N|SHU I|UVlNULQJVSURGXNWHQ YLD HQ I|UVlNULQJVI|UPHGODUH

opaginerad ,QIRUPDWLRQ YLG I|UQ\HOVH RFK lQGULQJ DY I|UVlNULQJVDYWDOHW Kontrollera mot PDF

HOOHU GLUHNW DY HWW I|UVlNULQJVI|UHWDJ )|UVlNULQJVI|UHWDJ E|U VnOHGHV

UHGDQ DY GHQQD DQOHGQLQJ RFNVn RPIDWWDV DY HQ VnGDQ LQIRUPDWLRQV

VN\OGLJKHW 'HW lU RFNVn Q|GYlQGLJW DWW VWlOOD XSS HWW LQIRUPDWLRQVNUDY

I|U I|UVlNULQJVI|UHWDJ I|U DWW XQGYLND GHQ VQHGYULGQLQJ DY NRQNXUUHQVHQ

VRP VNXOOH XSSNRPPD RP I|UVlNULQJVI|UHWDJ LQWH VNXOOH RPIDWWDV DY

LQIRUPDWLRQVNUDY RFK GlUPHG XSSPXQWUDGHV DWW VlOMD VLQD SURGXNWHU

GLUHNW WLOO NXQGHUQD VQDUDUH lQ YLD I|UPHGODUH L V\IWH DWW XQGYLND VnGDQD

NUDYHQ MIU VNlO WLOO GLUHNWLYHW

'H NUDY Sn LQIRUPDWLRQ RP SULV RFK HUVlWWQLQJDU VRP VWlOOV XSS L

I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW I|U I|UVlNULQJVI|UHWDJ RFK I|U VLGR

YHUNVDPPD I|UVlNULQJVI|UPHGODUH E|U YDUD WLOOUlFNOLJD 'HW ILQQV GlUI|U

LQWH VNlO DWW I|U GHVVD DNW|UHU Sn PRWVYDUDQGH VlWW VRP I|U I|UHVOnV I|U

I|UVlNULQJVI|UPHGODUH LQI|UD HQ LQIRUPDWLRQVVN\OGLJKHW VRP JnU XW|YHU

GHQ L GLUHNWLYHW 'HW LQIRUPDWLRQVNUDY VRP L GLUHNWLYHW DQJHV I|U VLGR

YHUNVDPPD I|UVlNULQJVI|UPHGODUH E|U YLGDUH HQOLJW YDG VRP DQI|UV

RYDQ JlOOD lYHQ I|U JUXSSHQ DQNQXWQD VLGRYHUNVDPPD I|UVlNULQJV

I|UPHGODUH

(QOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW lU I|UVlNULQJVI|UPHGODUH RFK

I|UVlNULQJVI|UHWDJ VRP QlPQV L DYVQLWW lYHQ VN\OGLJD DWW OlPQD

LQIRUPDWLRQ WLOO NXQGHQ VDPEDQG PHG YDUMH EHWDOQLQJ VRP NXQGHQ J|U

LQRP UDPHQ I|U I|UVlNULQJVDYWDOHW HIWHU GHW DWW GHW LQJnWWV ,QIRUPDWLRQHQ

EHK|YHU GRFN LQWH OlPQDV Sn Q\WW YLG O|SDQGH SUHPLHEHWDOQLQJDU HOOHU

DQGUD SODQPlVVLJD EHWDOQLQJDU DUWLNHO RFK 'HW LQIRUPDWLRQV

NUDYHW L GLUHNWLYHW InU DQVHV JHQRPI|UW JHQRP I|UVODJHW L DYVQLWW DWW

LQIRUPDWLRQ VND OlPQDV WLOO NXQGHQ lYHQ YLG I|UQ\HOVH HOOHU lQGULQJ DY

I|UVlNULQJVDYWDOHW RP GHW EHK|YV

$YVOXWQLQJVYLV E|U lYHQ QlPQDV DWW GH DOOPlQQD LQIRUPDWLRQVNUDY

DYVHHQGH SULV RFK HUVlWWQLQJ VRP DQJHV L GLUHNWLYHW NRPSOHWWHUDV DY PHU

RPIDWWDQGH LQIRUPDWLRQVNUDY I|U I|UVlNULQJVI|UPHGODUH RFK I|UVlNULQJV

I|UHWDJ VRP GLVWULEXHUDU I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU

DUWLNHO 'HVVD NUDY EHKDQGODV L DYVQLWW

,QIRUPDWLRQ YLG I|UQ\HOVH RFK lQGULQJ DY I|UVlNULQJVDYWDOHW

3URPHPRULDQV I|UVODJ ,QIRUPDWLRQ VND OlPQDV WLOO NXQGHQ lYHQ YLG I|UQ\HOVH HOOHU lQGULQJ DY I|UVlNULQJVDYWDOHW RP GHW EHK|YV

6NlOHQ I|U SURPHPRULDQV I|UVODJ , I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW DQJHV DWW LQIRUPDWLRQHQ VND OlPQDV WLOO NXQGHQ LQQDQ HWW I|UVWD I|UVlN ULQJVDYWDO LQJnV RFK YLG EHKRY QlU GHW lQGUDV HOOHU I|UQ\DV DUWLNHO 'HW UHJOHUQD KDU JHQRPI|UWV L VYHQVN UlWW JHQRP WYn OLNDO\GDQGH EHVWlPPHOVHU L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ NDS † WUHGMH VW\FNHW RFK † WUHGMH VW\FNHW (QOLJW GH EnGD EHVWlPPHOVHUQD VND YLVV LQIRUPD WLRQ VRP DQJHV L ODJHQ DOOPlQ LQIRUPDWLRQ LQIRUPDWLRQ RP LQWUHVVH NRQIOLNWHU RFK LQIRUPDWLRQ RP SULV RFK HUVlWWQLQJDU OlPQDV lYHQ YLG I|UQ\HOVH HOOHU lQGULQJ DY I|UVlNULQJVDYWDOHW RP GHW EHK|YV , )LQDQV LQVSHNWLRQHQV I|UHVNULIWHU RFK DOOPlQQD UnG RP I|UVlNULQJVI|UPHGOLQJ

ILQQV RFNVn EHVWlPPHOVHU VRP LQQHElU DWW YLVV LQIRUPDWLRQ VND OlPQDV

opaginerad WLOO NXQGHQ HIWHU DYWDOHWV LQJnHQGH (QOLJW GH I|UHVNULIWHUQD VND HQ Kontrollera mot PDF

WLOO NXQGHQ HIWHU DYWDOHWV LQJnHQGH (QOLJW GH I|UHVNULIWHUQD VND HQ

I|UVlNULQJVI|UPHGODUH EO D LQIRUPHUD NXQGHQ RP DOO HUVlWWQLQJ VRP I|UPHGODUHQ InU I|U I|UPHGOLQJHQ oavsett vid vilken tidpunkt HUVlWWQLQJHQ EHWDODV VH NDS †

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW LQQHKnOOHU LQWH QnJRW JHQHUHOOW NUDY Sn DWW LQIRUPDWLRQ VND OlPQDV YLG I|UQ\HOVH HOOHU lQGULQJ DY I|UVlNULQJV DYWDOHW 6RP IUDPJnU L DYVQLWW ILQQV GHW HQOLJW GLUHNWLYHW HQGDVW EHWUlIIDQGH YLVVD W\SHU DY NXQGEHWDOQLQJDU HQ VN\OGLJKHW I|U I|UVlNULQJV I|UPHGODUH RFK I|UVlNULQJVI|UHWDJ DWW OlPQD LQIRUPDWLRQ WLOO NXQGHQ L VDPEDQG PHG YDUMH VnGDQ EHWDOQLQJ DUWLNHO RFK

(Q NXQG E|U lYHQ HIWHU GHW DWW HWW DYWDO LQJnWWV In UHOHYDQW LQIRUPDWLRQ QlU GH I|UKnOODQGHQ VRP I|UHOnJ QlU DYWDOHW LQJLFNV lQGUDV L QnJRW DYVHHQGH HOOHU QlU DYWDOHW I|UQ\DV 'HW E|U GlUI|U LQI|UDV HQ JHQHUHOO EHVWlPPHOVH L ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ RP DWW LQIRUPDWLRQ VND OlPQDV WLOO NXQGHQ lYHQ YLG I|UQ\HOVH HOOHU lQGULQJ DY I|UVlNULQJVDYWDOHW RP GHW EHK|YV %HVWlPPHOVHQ E|U XWIRUPDV HIWHU I|UHELOG IUnQ QXYDUDQGH EHVWlPPHOVHU L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ NDS RFK †† RFK E|U Sn PRWVYDUDQGH VlWW RPIDWWD DOOPlQ LQIRUPDWLRQ LQIRUPDWLRQ RP LQWUHVVHNRQIOLNWHU RFK RP SULV RFK HUVlWWQLQJDU )|UQ\DG LQIRUPDWLRQ NDQ W H[ EHK|YD OlPQDV RP GHW VNHWW YLNWLJD I|UlQGULQJDU L lJDUI|UKnOODQGHQD HOOHU RP HQ I|UVlNULQJVI|UPHGODUH KDU E\WW I|UVlNULQJVJLYDUH QlU GHW JlOOHU DQVYDUVI|UVlNULQJHQ

*HQRP I|UVODJHW JHQRPI|UV lYHQ NUDYHW L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW DWW NXQGHQ VND In I|UQ\DG LQIRUPDWLRQ RP HYHQWXHOOD LQWUHVVH NRQIOLNWHU VDPW RP SULV RFK HUVlWWQLQJDU L VDPEDQG YDUMH EHWDOQLQJ VRP NXQGHQ J|U LQRP UDPHQ I|U I|UVlNULQJVDYWDOHW HIWHU GHW DWW GHW LQJnWWV QlU GHW lU IUnJD RP DQGUD EHWDOQLQJDU lQ O|SDQGH SUHPLHEHWDOQLQJDU HOOHU DQGUD SODQPlVVLJD EHWDOQLQJDU DUWLNHO RFK

9LVVD LQIRUPDWLRQVNUDY RFK XSSI|UDQGHUHJOHU

YLG UnGJLYQLQJ RFK YLG I|UVlOMQLQJ XWDQ

UnGJLYQLQJ

%DNJUXQG

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW LQQHKnOOHU VSHFLILND LQIRUPDWLRQVNUDY I|U I|UVlNULQJVGLVWULEXW|UHU YLG UnGJLYQLQJ RFK LQIRUPDWLRQVNUDY VRP JlOOHU REHURHQGH DY RP UnGJLYQLQJ OlPQDV HOOHU LQWH DUWLNHO 6\IWHW PHG GHQ JHQHUHOOD LQIRUPDWLRQVVN\OGLJKHWHQ lU DWW NXQGHU lYHQ YLG I|UVlOMQLQJ XWDQ UnGJLYQLQJ VND In UHOHYDQW LQIRUPDWLRQ RP GH DNWXHOOD I|UVlNULQJVSURGXNWHUQD Vn DWW GH NDQ IDWWD YlOJUXQGDGH EHVOXW MIU VNlO WLOO GLUHNWLYHW 'HVVD LQIRUPDWLRQVNUDY NRPSOHWWHUDV DY HWW DQWDO XSS I|UDQGHUHJOHU L GLUHNWLYHW VRP DYVHU GLVWULEXW|UHQV DJHUDQGH XQGHU RFK HIWHU GLVWULEXWLRQVWLOOIlOOHW 'LVWULEXW|UHQ VND LQQDQ DYWDO LQJnV , RFK REHURHQGH DY RP UnGJLYQLQJHQ JHV HOOHU LQWH VSHFLILFHUD NXQGHQV NUDY RFK EHKRY RFK DQSDVVD GHQ HIWHUI|OMDQGH GLVWULEXWLRQHQ RFK HYHQWXHOOD UnGJLYQLQJHQ HIWHU GHQ HQVNLOGH NXQGHQ

, I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW ILQQV lYHQ UHJOHU RP VWDQGDUGLVH

UDGH SURGXNWIDNWDEODG I|U VNDGHI|UVlNULQJVSURGXNWHU 'H UHJOHUQD NRPS

opaginerad $OOPlQ VN\OGLJKHW DWW NODUJ|UD NXQGHQV NUDY RFK EHKRY VDPW NUDY Sn DQSDVVDG SURGXNWLQIRUPDWLRQ Kontrollera mot PDF

OHWWHUDV DY (XURSDSDUODPHQWHWV RFK UnGHWV I|URUGQLQJ (8 QU DY GHQ QRYHPEHU RP IDNWDEODG I|U SDNHWHUDGH RFK I|UVlNULQJV EDVHUDGH LQYHVWHULQJVSURGXNWHU I|U LFNH SURIHVVLRQHOOD LQYHVWHUDUH 3ULLS SURGXNWHU

'H QX DNWXHOOD UHJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW PRWVYDUDV GHOYLV DY NUDY VRP ILQQV lYHQ L I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW DUWLNHO RFK 'H UHJOHUQD L VLVWQlPQGD GLUHNWLY KDU L VYHQVN UlWW JHQRPI|UWV L I|UVlNULQJVI|UPHGOLQJVODJHQ NDS † I|UVWD±WUHGMH VW\FNHQD )|UVODJHW L DYVQLWW LQQHElU DWW IOHUD DY GHVVD NUDY NRPPHU DWW VWlOODV Sn VDPWOLJD I|UVlNULQJVGLVWULEXW|UHU RPVRUJVSOLNW DQSDVVQLQJ DY UnGJLYQLQJ RFK VN\OGLJKHW DWW DYUnGD , I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW ILQQV HPHOOHUWLG lYHQ L QnJUD \WWHUOLJDUH NUDY bYHQ GH NUDYHQ E|U DQJHV L EHVWlPPHOVHUQD L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ -lPI|UW PHG I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW lU NUDYHQ L GHW GLUHNWLYHW GHVVXWRP PHU VSHFLILFHUDGH L GHQ PHQLQJHQ DWW LQGHOQLQJHQ L UHJOHU DYVHHQGH UnGJLYQLQJ UHVSHNWLYH JHQHUHOOD LQIRUPD WLRQVNUDY lU W\GOLJDUH 0RWVYDUDQGH XSSGHOQLQJ E|U J|UDV RFNVn L GHQ Q\D ODJHQ

$OOPlQ VN\OGLJKHW DWW NODUJ|UD NXQGHQV NUDY RFK EHKRY VDPW NUDY Sn DQSDVVDG SURGXNWLQIRUPDWLRQ

3URPHPRULDQV I|UVODJ (Q I|UVlNULQJVGLVWULEXW|U VND LQQDQ HWW I|U VlNULQJVDYWDO LQJnV

NODUJ|UD NXQGHQV NUDY RFK EHKRY L IUnJD RP I|UVlNULQJVVN\GG RFK

JH NXQGHQ REMHNWLY RFK I|UVWnHOLJ LQIRUPDWLRQ RP I|UVlNULQJV SURGXNWHQ VRP lU DQSDVVDG HIWHU NXQGHQ RFK SURGXNWHQV NRPSOH[LWHW

6NlOHQ I|U SURPHPRULDQV I|UVODJ (QOLJW I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW VND HQ I|UVlNULQJVGLVWULEXW|U LQQDQ I|UVlNULQJVDYWDO LQJnV VSHFLILFHUD NXQGHQV NUDY RFK EHKRY RFK JH NXQGHQ REMHNWLY LQIRUPDWLRQ RP I|UVlNULQJVSURGXNWHQ Sn JUXQGYDO DY GH XSSJLIWHU VRP HUKnOOLWV IUnQ NXQGHQ DUWLNHO I|UVWD RFK DQGUD VW\FNHQD RFK 'LVWULEXW|UHQ VND PHG EHDNWDQGH DY I|UVlNULQJVSURGXNWHQV NRPSOH[LWHW RFK W\SHQ DY NXQG JH UHOHYDQW RFK W\GOLJ LQIRUPDWLRQ RP SURGXNWHQ Vn DWW NXQGHQ NDQ IDWWD HWW YlOJUXQGDW EHVOXW 9DUMH DYWDO VRP I|UHVOnV VND YDUD I|UHQOLJW PHG NXQGHQV NUDY RFK EHKRY L IUnJD RP I|UVlNULQJVVN\GG

, I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO VRP L VWRUD GHODU lU OLNDO\GDQGH PHG DUWLNHO DQJHV YLGDUH DWW WLOOlPSQLQJHQ DY UHJOHU L 6ROYHQV ,, GLUHNWLYHW DUWLNODUQD RFK PHG LQIRUPDWLRQVNUDY I|U VNDGHI|UVlNULQJVI|UVlNULQJVI|UHWDJ LQWH VND SnYHUNDV DY GH NUDY VRP DQJHV L I|UHYDUDQGH GLUHNWLY VDPW DWW LQIRUPDWLRQVNUDYHQ L GHW GLUHNWLYHW JlOOHU RDYVHWW RP UnGJLYQLQJ OlPQDV RFK REHURHQGH DY KXUXYLGD I|UVlN ULQJVSURGXNWHQ lU HQ GHO DY HWW SDNHW NRUVI|UVlOMQLQJ

'H QX DNWXHOOD UHJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW LQQHElU EO D HQ VN\OGLJKHW I|U I|UVlNULQJVGLVWULEXW|UHQ DWW DQSDVVD LQIRUPDWLRQ RFK HYHQWXHOOD I|UVODJ HIWHU GHQ HQVNLOGH NXQGHQV NUDY RFK EHKRY

'HOYLV PRWVYDUDQGH UHJOHU ILQQV L I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW

DUWLNHO 'H LQQHElU DWW HQ I|UVlNULQJVI|UPHGODUH LQQDQ HWW DYWDO

opaginerad .UDY Sn SHUVRQOLJ UHNRPPHQGDWLRQ YLG UnGJLYQLQJ Kontrollera mot PDF

LQJnV VlUVNLOW Sn JUXQGYDO DY GH XSSJLIWHU VRP NXQGHQ OlPQDW nWPLQVWRQH VSHFLILFHUD NXQGHQV NUDY RFK EHKRY VDPW DQJH VNlOHQ WLOO YDUMH UnG VRP JHV EHWUlIIDQGH HQ YLVV I|UVlNULQJVSURGXNW 5HGRYLVQLQJHQ VND YDUD DQSDVVDG WLOO GHW HUEMXGQD I|UVlNULQJVDYWDOHWV NRPSOH[LWHW

'HVVD UHJOHU L I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW KDU L VYHQVN UlWW JHQRPI|UWV L EHVWlPPHOVHU L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ EO D NDS † DQGUD VW\FNHW I|UVWD PHQLQJHQ VH lYHQ DYVQLWW RP GRNXPHQWDWLRQVVN\OGLJKHW 'H LQQHElU DWW HQ VN\OGLJKHW I|U I|UVlNULQJV I|UPHGODUH DWW DQSDVVD VLQ UnGJLYQLQJ HIWHU NXQGHQV |QVNHPnO RFK EHKRY VDPW UHNRPPHQGHUD O|VQLQJDU VRP lU OlPSOLJD I|U NXQGHQ , GHQQD SURPHPRULD I|UHVOnV DWW GHQQD VN\OGLJKHW VND JlOOD I|U VDPWOLJD I|UVlN ULQJVGLVWULEXW|UHU VH DYVQLWW

6RP QlPQV RYDQ LQQHKnOOHU GRFN I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW lYHQ HWW NUDY Sn VSHFLILFHULQJ DY NXQGHQV NUDY RFK EHKRY VDPW REMHNWLY LQIRUPDWLRQ RP I|UVlNULQJVSURGXNWHQ REHURHQGH DY RP UnGJLYQLQJ WLOOKDQGDKnOOV HOOHU LQWH )|U DWW JHQRPI|UD GHVVD NUDY L VYHQVN UlWW E|U HQ PRWVYDUDQGH EHVWlPPHOVH LQI|UDV L GHQ Q\D ODJHQ RP I|UVlNULQJV GLVWULEXWLRQ (Q I|UVlNULQJVGLVWULEXW|U E|U VnOHGHV YDUD VN\OGLJ DWW NODUJ|UD NXQGHQV NUDY RFK EHKRY L IUnJD RP I|UVlNULQJVVN\GG VDPW DWW JH NXQGHQ REMHNWLY RFK I|UVWnHOLJ LQIRUPDWLRQ RP I|UVlNULQJVSURGXNWHQ VRP lU DQSDVVDG HIWHU NXQGHQ RFK SURGXNWHQV NRPSOH[LWHW

, I|UKnOODQGH WLOO JlOODQGH UlWW LQQHElU I|UVODJHW DWW GHW LQI|UV HWW JHQHUHOOW NUDY RP REMHNWLY SURGXNWLQIRUPDWLRQ WLOO NXQGHQ 'HW InU lYHQ DQVHV LQQHElUD HWW I|UW\GOLJDQGH DY DWW GHQ HQVNLOGH NXQGHQV NUDY RFK EHKRY DY I|UVlNULQJ VND NDUWOlJJDV RDYVHWW RP UnGJLYQLQJ OlPQDV HOOHU LQWH MIU NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ )|UVlNULQJV GLVWULEXWLRQ EHK|YHU LQWH Q|GYlQGLJWYLV LQQHIDWWD HWW UnGJLYQLQJVPRPHQW RFK GHW lU DQJHOlJHW DWW NXQGHU lYHQ YLG I|UVlOMQLQJ XWDQ UnGJLYQLQJ InU LQIRUPDWLRQ RFK I|UVODJ Sn I|UVlNULQJVDYWDO VRP lU DQSDVVDGH HIWHU GHUDV NUDY RFK EHKRY 'HW JUXQGOlJJDQGH V\IWHW PHG I|UVODJHW lU DWW PRWYHUND RWLOOE|UOLJ I|UVlOMQLQJ DY I|UVlNULQJVSURGXNWHU MIU VNlO WLOO GLUHNWLYHW , GHWWD VDPPDQKDQJ ILQQV lYHQ DQOHGQLQJ DWW SHND Sn GHQ GRNXPHQWD WLRQVVN\OGLJKHW VRP I|UHVOnV VND JlOOD I|U GLVWULEXW|UHU YLG I|UVlNULQJV GLVWULEXWLRQHQ MIU QHGDQ DYVQLWW

*HQRP I|UVODJHW JHQRPI|UV GH QX DNWXHOOD UHJOHUQD L I|UVlNULQJVGLVWUL EXWLRQVGLUHNWLYHW L VYHQVN UlWW GHODU DY DUWLNHO I|UVWD RFK DQGUD VW\FNHQD VDPW DUWLNHO RFK L GLUHNWLYHW , HQOLJKHW PHG GHW GLUHNWLYHW KDU I|UVODJHW LQWH QnJRQ LQYHUNDQ Sn GH LQIRUPDWLRQVNUDY I|U VNDGHI|UVlNULQJVI|UVlNULQJVI|UHWDJ VRP JlOOHU HQOLJW 6ROYHQV ,, GLUHN WLYHW

.UDY Sn SHUVRQOLJ UHNRPPHQGDWLRQ YLG UnGJLYQLQJ

3URPHPRULDQV I|UVODJ (Q I|UVlNULQJVGLVWULEXW|U VRP JHU NXQGHQ

UnGJLYQLQJ LQQDQ HWW I|UVlNULQJVDYWDO LQJnV VND WLOOKDQGDKnOOD NXQGHQ

HQ SHUVRQOLJ UHNRPPHQGDWLRQ PHG HQ I|UNODULQJ DY YDUI|U HQ YLVV

I|UVlNULQJ ElVW PRWVYDUDU NXQGHQV NUDY RFK EHKRY

s. 2 .UDY Sn SHUVRQOLJ UHNRPPHQGDWLRQ YLG UnGJLYQLQJ Kontrollera mot PDF

6NlOHQ I|U SURPHPRULDQV I|UVODJ 2P HQ I|UVlNULQJVGLVWULEXW|U JHU UnG RP YDO DY I|UVlNULQJ LQQDQ HWW I|UVlNULQJVDYWDO LQJnV VND GLVWULEX W|UHQ WLOOKDQGDKnOOD NXQGHQ HQ SHUVRQOLJ UHNRPPHQGDWLRQ PHG HQ I|UNODULQJ DY YDUI|U HQ YLVV I|UVlNULQJVSURGXNW ElVW PRWVYDUDU NXQGHQV NUDY RFK EHKRY DUWLNHO WUHGMH VW\FNHW L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW , HQOLJKHW PHG GHW VRP IUDPJnU L DYVQLWW VND I|UVlN ULQJVGLVWULEXW|UHQ LQQDQ UnGJLYQLQJHQ KD NODUJMRUW NXQGHQV NUDY RFK EHKRY L IUnJD RP I|UVlNULQJVVN\GG MIU lYHQ VNlO WLOO GLUHNWLYHW

6RP QlPQV L DYVQLWW LQQHKnOOHU I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW HQ OLNQDQGH VN\OGLJKHW I|U I|UVlNULQJVI|UPHGODUH DUWLNHO 'H UHJOHUQD KDU L VYHQVN UlWW JHQRPI|UWV JHQRP EHVWlPPHOVHU L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ GHOYLV JHQRP NDS † DQGUD VW\FNHW I|UVWD PHQLQJHQ 'HW LQQHElU HQ VN\OGLJKHW I|U I|UVlNULQJVI|UPHGODUH DWW DQSDVVD VLQ UnGJLYQLQJ HIWHU NXQGHQV NUDY RFK EHKRY VDPW UHNRP PHQGHUD O|VQLQJDU VRP lU OlPSOLJD I|U NXQGHQ 1nJRW XWWU\FNOLJW NUDY Sn DWW I|UPHGODUHQ VND JH NXQGHQ HQ SHUVRQOLJ UHNRPPHQGDWLRQ PHG NRSSOLQJ WLOO HQ VSHFLILN I|UVlNULQJVSURGXNW ILQQV LQWH L GHQ ODJHQ $Y )LQDQVLQVSHNWLRQHQV I|UHVNULIWHU RFK DOOPlQQD UnG RP I|UVlNULQJV I|UPHGOLQJ I|OMHU DWW I|UVlNULQJVI|UPHGODUHQV GRNXPHQWDWLRQ VND LQQH KnOOD XSSJLIW RP YDUMH UnG VRP KDU OlPQDWV WLOO NXQGHQ RFK VNlOHQ I|U YDUMH UnG NDS † MIU DYVQLWW QHGDQ RP GRNXPHQWDWLRQV VN\OGLJKHWHQ

.UDYHW L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW Sn HQ SHUVRQOLJ UHNRPPHQ GDWLRQ YLG UnGJLYQLQJ lU VnOHGHV PHU SUHFLVW RFK L I|UKnOODQGH WLOO JlOODQGH UlWW InU GHW DQVHV LQQHElUD HQ VNlUSQLQJ DY NUDYHW Sn DWW DQSDVVD UnGJLYQLQJHQ HIWHU GHQ HQVNLOGH NXQGHQ )|U DWW JHQRPI|UD GLUHNWLYHW E|U GHW GlUI|U L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ LQI|UDV HWW NUDY Sn DWW I|UVlNULQJVGLVWULEXW|UHU YLG UnGJLYQLQJ VND WLOOKDQGDKnOOD NXQGHQ HQ SHUVRQOLJ UHNRPPHQGDWLRQ PHG HQ I|UNODULQJ DY YDUI|U HQ YLVV SURGXNW ElVW PRWVYDUDU NXQGHQV NUDY RFK EHKRY

bYHQ RP GH RYDQ QlPQGD UHJOHUQD I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RFK I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW GHOYLV VNLOMHU VLJ nW L VDN WRUGH LQWHQWLRQHQ EDNRP GHP L KXYXGVDN YDUD GHVDPPD 6\IWHW lU DWW UnGJLY QLQJVVLWXDWLRQHQ VND DQSDVVDV WLOO GHQ HQVNLOGH NXQGHQV NXQVNDSVQLYn RFK P|MOLJKHW DWW WLOOJRGRJ|UD VLJ UnGJLYDUHQV UHVRQHPDQJ 'HQ UnG JLYQLQJ VRP JHV VND YDUD DQSDVVDG WLOO GHQ HQVNLOGH NXQGHQV EHKRY |QVNHPnO RFK I|UXWVlWWQLQJDU )|U DWW NXQQD nVWDGNRPPD HQ VnGDQ DQSDVVQLQJ PnVWH I|UVlNULQJVGLVWULEXW|UHQ NDUWOlJJD NRQVXPHQWHQV I|UNXQVNDSHU JUXQG I|U I|UVlNULQJVEHKRY YLVVD HNRQRPLVND RFK VRFLDOD I|UKnOODQGHQ |QVNHPnO RFK ULVNEHQlJHQKHW HWF )|UVlNULQJVGLVWULEXW|UHQ VND GlUHIWHU PRW EDNJUXQG DY HQ KHOKHWVEHG|PQLQJ EDVHUDG Sn YDG VRP IUDPNRPPLW YLG GHQQD NDUWOlJJQLQJ PRWLYHUD YDUI|U GHQ I|UVlNULQJV O|VQLQJ VRP I|UHVOnV ElVW PRWVYDUDU NXQGHQV NUDY RFK EHKRY

s. 3 )RUPHU I|U LQIRUPDWLRQHQ Kontrollera mot PDF

)RUPHU I|U LQIRUPDWLRQHQ

$OOPlQQD NUDY Sn LQIRUPDWLRQHQV XWIRUPQLQJ

3URPHPRULDQV I|UVODJ $OO LQIRUPDWLRQ LQNOXVLYH PDUNQDGVI|ULQJV

PDWHULDO VRP HQ I|UVlNULQJVGLVWULEXW|U OlPQDU WLOO NXQGHU VND YDUD

NRVWQDGVIUL RSDUWLVN RFK LQWH YLOVHOHGDQGH 0DUNQDGVI|ULQJVPDWHULDO

VND DOOWLG NODUW RFK W\GOLJW NXQQD LGHQWLILHUDV VRP VnGDQW

6NlOHQ I|U SURPHPRULDQV I|UVODJ 6RP HQ DOOPlQ SULQFLS DQJHV L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DWW PHGOHPVVWDWHUQD VND VlNHUVWlOOD DWW DOO LQIRUPDWLRQ PHG DQNQ\WQLQJ WLOO GLUHNWLYHW GlULEODQG PDUNQDGV I|ULQJVPDWHULDO VRP I|UVlNULQJVGLVWULEXW|UHU VNLFNDU WLOO NXQGHU HOOHU SUHVXPWLYD NXQGHU VND YDUD RSDUWLVN W\GOLJ RFK LQWH YLOVHOHGDQGH DUWLNHO 0DUNQDGVI|ULQJVPDWHULDO VND DOOWLG NODUW RFK W\GOLJW NXQQD LGHQ WLILHUDV VRP VnGDQW

1nJRQ GLUHNW PRWVYDULJKHW WLOO GHVVD NUDY ILQQV LQWH L I|UVlNULQJV I|UPHGOLQJVGLUHNWLYHW HOOHU L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ 5HJOHUQD KDU L VWlOOHW XWIRUPDWV HIWHU I|UHELOG DY UHJOHU Sn YlUGHSDSSHUVPDUNQDGV RPUnGHW , 0L),' , ILQQV PRWVYDUDQGH UHJOHU I|U YlUGHSDSSHUVI|UHWDJ DUWLNHO 'H UHJOHUQD KDU L VYHQVN UlWW JHQRPI|UWV JHQRP EHVWlP PHOVHU L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ NDS † GlU GHW lYHQ LQJnU KlQYLVQLQJDU WLOO PDUNQDGVI|ULQJVODJHQ VDPW ODJHQ RP GLVWDQVDYWDO RFK DYWDO XWDQI|U DIIlUVORNDOHU 0L),' ,, LQQHKnOOHU OLNDO\GDQGH UHJOHU DUWLNHO

'H JUXQGOlJJDQGH NUDY VRP NRPPHU WLOO XWWU\FN L GH QX DNWXHOOD UHJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW lU YLNWLJD XU HWW NXQGVN\GGV SHUVSHNWLY 9LGDUH ILQQV lYHQ L QX DNWXHOOW KlQVHHQGH VNlO DWW VWlOOD XSS OLNYlUGLJD NUDY Sn I|UVlNULQJVRPUnGHW UHVSHNWLYH YlUGHSDSSHUVPDUNQDGV RPUnGHW 'HVVD UHJOHU L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW E|U GlUI|U JHQRPI|UDV L HQ PRWVYDUDQGH EHVWlPPHOVH L GHQ Q\D ODJHQ RP I|UVlN ULQJVGLVWULEXWLRQ $OO LQIRUPDWLRQ LQNOXVLYH PDUNQDGVI|ULQJVPDWHULDO VRP I|UVlNULQJVGLVWULEXW|UHU OlPQDU WLOO NXQGHU E|U VnOGHV YDUD UlWW YLVDQGH RFK W\GOLJ RFK InU LQWH YDUD YLOVHOHGDQGH 0DUNQDGVI|ULQJV PDWHULDO E|U OlWW NXQQD LGHQWLILHUDV VRP VnGDQW

0HU VSHFLILND IRUPNUDY

3URPHPRULDQV I|UVODJ (Q I|UVlNULQJVGLVWULEXW|U VND OlPQD

LQIRUPDWLRQHQ WLOO NXQGHQ NRVWQDGVIULWW RFK L HQ SDSSHUVKDQGOLQJ HOOHU L

QnJRQ DQQDQ OlVEDU RFK YDUDNWLJ IRUP VRP lU WLOOJlQJOLJ I|U NXQGHQ

,QIRUPDWLRQHQ VND YDU NODU RFK EHJULSOLJ RFK OlPQDV Sn VYHQVND

DOWHUQDWLYW Sn HWW RIILFLHOOW VSUnN L GHW ODQG LQRP ((6 GlU ULVNHQ lU

EHOlJHQ L GHW ODQG LQRP ((6 GlU nWDJDQGHW J|UV HOOHU Sn DQQDW VSUnN

VRP GLVWULEXW|UHQ RFK NXQGHQ NRPPHU |YHUHQV RP

9LG WHOHIRQI|UVlOMQLQJ InU I|UVlNULQJVGLVWULEXW|UHQ OlPQD

LQIRUPDWLRQHQ WLOO NXQGHQ PXQWOLJHQ I|UH DYWDOHW LQJnV RFK L HQ

KDQGOLQJ HOOHU L QnJRQ DQQDQ OlVEDU IRUP HIWHU GHW DWW DYWDOHW LQJnWWV

opaginerad 5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU Kontrollera mot PDF

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU

PHGGHOD I|UHVNULIWHU RP YLOND IRUPNUDY VRP VND JlOOD I|U LQIRUPD

WLRQHQ

6NlOHQ I|U SURPHPRULDQV I|UVODJ

Försäkringsdistributionsdirektivet

(QOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW VND DOO LQIRUPDWLRQ VRP OlPQDV L HQOLJKHW PHG GLUHNWLYHW PHGGHODV NXQGHUQD NRVWQDGVIULWW Sn SDSSHU NODUW RFK NRUUHNW Sn HWW VlWW VRP lU I|UVWnHOLJW I|U NXQGHQ RFK Sn HWW RIILFLHOOW VSUnN L GHQ PHGOHPVVWDW GlU ULVNHQ lU EHOlJHQ HOOHU L GHQ PHGOHPVVWDW GlU nWDJDQGHW J|UV HOOHU Sn DQQDW VSUnN VRP SDUWHUQD NRPPLW |YHUHQV RP DUWLNHO

$Y GLUHNWLYHW DUWLNHO I|OMHU DWW LQIRUPDWLRQHQ InU OlPQDV Sn HWW

DQQDW YDUDNWLJW PHGLXP lQ SDSSHU HOOHU Sn HQ ZHEESODWV XQGHU YLVVD

I|UXWVlWWQLQJDU DUWLNHO Sn DQQDW YDUDNWLJW PHGLXP UHVSHNWLYH DUWLNHO

Sn ZHEESODWV bYHQ RP LQIRUPDWLRQHQ OlPQDWV WLOO NXQGHQ L

HQOLJKHW PHG GHVVD XQGDQWDJ VND LQIRUPDWLRQHQ OlPQDV NRVWQDGVIULWW WLOO

NXQGHQ L SDSSHUVIRUP RP NXQGHQ EHJlU GHW DUWLNHO 7LOOlPSQLQJHQ

DY GH EnGD XQGDQWDJHQ I|UXWVlWWHU HQOLJW GLUHNWLYHW DWW HWW OlPQDQGH DY

LQIRUPDWLRQHQ Sn HWW DQQDW YDUDNWLJW PHGLXP lQ SDSSHU HOOHU Sn HQ

ZHEESODWV NDQ DQVHV YDUD OlPSOLJW PHG KlQV\Q WLOO GH DIIlUVI|UELQGHOVHU

VRP UnGHU PHOODQ I|UVlNULQJVGLVWULEXW|UHQ RFK NXQGHQ VDPW DWW NXQGHQ

KDU UHJHOEXQGHQ WLOOJnQJ WLOO LQWHUQHW DUWLNHO

9LG WHOHIRQI|UVlOMQLQJ VND GHQ LQIRUPDWLRQ VRP OlPQDV WLOO NXQGHQ DY

I|UVlNULQJVGLVWULEXW|UHQ I|UH DYWDOHWV LQJnHQGH LQNOXVLYH SURGXNWIDNWD

EODGHW I|U SURGXNWHQ |YHUHQVVWlPPD PHG XQLRQVUHJOHU VRP lU WLOOlPS

OLJD Sn GLVWDQVI|UVlOMQLQJ DY ILQDQVLHOOD WMlQVWHU WLOO NRQVXPHQWHU )|UVlN

ULQJVGLVWULEXW|UHQ VND YLG WHOHIRQI|UVlOMQLQJ HIWHU GHW DWW DYWDO LQJnWWV

OlPQD LQIRUPDWLRQHQ WLOO NXQGHQ L HQOLJKHW PHG GHW VRP DQJHV RYDQ lYHQ

RP NXQGHQ KDU YDOW DWW In I|UKDQGVLQIRUPDWLRQHQ Sn HWW DQQDW YDUDNWLJW

PHGLXP lQ SDSSHU DUWLNHO

Gällande rätt

'H QX DNWXHOOD UHJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO

PRWVYDUDV L KXYXGVDN DY UHJOHU L I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW

DUWLNHO VRP KDU JHQRPI|UWV L VYHQVN UlWW L EHVWlPPHOVHU L ODJHQ RP

I|UVlNULQJVI|UPHGOLQJ NDS RFK †† (QOLJW JlOODQGH UlWW VND HQ

I|UVlNULQJVI|UPHGODUH OlPQD DOO LQIRUPDWLRQ WLOO NXQGHQ L HQ KDQGOLQJ

HOOHU L QnJRQ DQQDQ OlVEDU RFK YDUDNWLJ IRUP VRP lU WLOOJlQJOLJ I|U

NXQGHQ NDS † I|UVWD VW\FNHW DUWLNHO D L I|UVlNULQJVI|UPHGOLQJV

GLUHNWLYHW ,QIRUPDWLRQHQ VND YLGDUH YDUD NODU RFK EHJULSOLJ RFK OlPQDV

Sn VYHQVND NDS † DQGUD VW\FNHW 2P GHQ I|UPHGODGH I|UVlNULQJHQ

DYVHU HWW nWDJDQGH L HWW DQQDW ODQG LQRP ((6 VND LQIRUPDWLRQHQ OlPQDV

Sn HWW RIILFLHOOW VSUnN L GHW ODQGHW NDS † WUHGMH VW\FNHW ,QIRUPD

WLRQHQ InU OlPQDV Sn DQQDW VSUnN RP NXQGHQ EHJlU GHW NDS † IMlUGH

VW\FNHW DUWLNHO E RFK F

,QIRUPDWLRQHQ InU OlPQDV PXQWOLJHQ RP NXQGHQ EHJlU GHW RP RPHGHO

EDUW I|UVlNULQJVVN\GG lU Q|GYlQGLJW HOOHU RP I|UVlNULQJHQ I|UPHGODV SHU

WHOHIRQ NDS † I|UVWD VW\FNHW , VnGDQD IDOO VND GRFN LQIRUPDWLRQHQ

opaginerad OlPQDV Sn GHW VlWW VRP I|OMHU DY KXYXGUHJHOQ VQDUDVW HIWHU GHW DWW I|UVlNULQJVDYWDO KDU LQJnWWV NDS † DQGUD VW\FNHW Kontrollera mot PDF

OlPQDV Sn GHW VlWW VRP I|OMHU DY KXYXGUHJHOQ VQDUDVW HIWHU GHW DWW I|UVlNULQJVDYWDO KDU LQJnWWV NDS † DQGUD VW\FNHW

'HW ILQQV LQWH QnJRW EHP\QGLJDQGH I|U UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU DWW PHGGHOD I|UHVNULIWHU RP YLOND IRUPNUDY VRP VND JlOOD I|U GHQ LQIRUPDWLRQ VRP VND OlPQDV WLOO NXQGHQ HQOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ )LQDQVLQVSHNWLRQHQ KDU PHGGHODW I|UHVNULIWHU RP YDG I|UVlNULQJVI|UPHGODUH VND LDNWWD QlU GHW JlOOHU XWOlPQDQGH DY VnGDQ GRNXPHQWDWLRQ VRP HQ I|UPHGODUH VND XSSUlWWD RP YDG VRP KDU I|UHNRPPLW YLG I|UPHGOLQJVWLOOIlOOHW VH EHP\QGLJDQGH L NDS † I|URUGQLQJHQ RP I|UVlNULQJVI|UPHGOLQJVI|URUGQLQJHQ MIU DYVQLWW RP GRNXPHQWDWLRQVVN\OGLJKHWHQ , GH I|UHVNULIWHUQD DQJHV EO D DWW GRNXPHQWDWLRQHQ InU XWI|UDV Sn YDOIULWW PHGLXP XQGHU I|UXWVlWWQLQJ DWW GRNXPHQWDWLRQHQ I|U YDUMH I|UPHGOLQJVWLOOIlOOH lU OlWW DWW V|ND RFK LGHQWLILHUD VDPW NDQ OlPQDV WLOO NXQGHQ L HQ KDQGOLQJ HOOHU QnJRQ DQQDQ OlVEDU RFK YDUDNWLJ IRUP VRP lU WLOOJlQJOLJ I|U NXQGHQ NDS †

)LQDQVLQVSHNWLRQHQ KDU YLGDUH XWIlUGDW DOOPlQQD UnG RP YLONHQ LQIRUPDWLRQ VRP E|U OlPQDV PXQWOLJHQ WLOO NXQGHQ VH DOOPlQQD UnG WLOO UHVSHNWLYH SDUDJUDI L NDS QlPQGD I|UHVNULIWHU

Genomförandet av försäkringsdistributionsdirektivet

'H IRUPNUDY I|U LQIRUPDWLRQHQ VRP VWlOOV XSS L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW DUWLNHO |YHUHQVVWlPPHU WLOO VWRU GHO PHG GH NUDY VRP JlOOHU L GDJ HQOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ , QnJUD DYVHHQGHQ VNLOMHU VLJ GRFN NUDYHQ L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW IUnQ GHP L JlOODQGH VYHQVN UlWW

'LUHNWLYHW LQQHKnOOHU WLOO VNLOOQDG IUnQ I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW RFK ODJHQ RP I|UVlNULQJVI|UPHGOLQJ EO D HWW XWWU\FNOLJW NUDY Sn DWW LQIRUPDWLRQHQ WLOO NXQGHUQD VND PHGGHODV NRVWQDGVIULWW DUWLNHO G 'HWWD NUDY E|U Sn PRWVYDUDQGH VlWW VRP L GLUHNWLYHW DQJHV L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW LQQHKnOOHU YLGDUH NRPSOHWWHUDQGH UHJOHU RP YLONHW VSUnN LQIRUPDWLRQHQ InU OlPQDV Sn 6RP IUDPJnU RYDQ VND LQIRUPDWLRQHQ HQOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ VRP KXYXG UHJHO OlPQDV Sn VYHQVND NDS † DQGUD VW\FNHW 2P GHQ I|UPHGODGH I|UVlNULQJHQ DYVHU HWW nWDJDQGH L HWW DQQDW ODQG LQRP ((6 VND GRFN LQIRUPDWLRQHQ OlPQDV Sn HWW RIILFLHOOW VSUnN L GHW ODQGHW )|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW DUWLNHO F PHGJHU HPHOOHUWLG RFNVn WLOO VNLOOQDG IUnQ I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW RFK ODJHQ RP I|UVlNULQJV I|UPHGOLQJ DWW LQIRUPDWLRQHQ OlPQDV Sn HWW RIILFLHOOW VSUnN L GHQ PHGOHPVVWDW GlU ULVNHQ lU EHOlJHQ 'HW LQQHElU HWW I|UW\GOLJDQGH DY EHJUHSSHW ´PHGOHPVVWDW I|U nWDJDQGHW´ QlU GHW lU IUnJD RP I|UPHGOLQJ DY VNDGHI|UVlNULQJ VH SURS V , HQOLJKHW PHG I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW E|U QXYDUDQGH XQGDQWDJ L ODJHQ RP I|UVlNULQJV I|UPHGOLQJ NDS † WUHGMH VW\FNHW NRPSOHWWHUDV PHG HWW PRWVYDUDQGH I|UW\GOLJDQGH RFK I|UDV |YHU WLOO GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWUL EXWLRQ

3n PRWVYDUDQGH VlWW VRP L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO F MIU lYHQ DUWLNHO F L I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW E|U GHW L

GHQ Q\D ODJHQ DQJHV DWW LQIRUPDWLRQHQ lYHQ InU OlPQDV Sn HWW DQQDW VSUnN

opaginerad IRUP HIWHU GHW DWW DYWDOHW LQJnWWV Kontrollera mot PDF

VRP SDUWHUQD NRPPLW |YHUHQV RP MIU NDS † IMlUGH VW\FNHW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ RFK VDPPD SURS V I 6RP KXYXGUHJHO E|U GRFN lYHQ IRUWVlWWQLQJVYLV JlOOD DWW LQIRUPDWLRQHQ VND OlPQDV Sn VYHQVND )|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW VNLOMHU VLJ IUnQ I|UVlNULQJVI|UPHG OLQJVGLUHNWLYHW RFK ODJHQ RP I|UVlNULQJVI|UPHGOLQJ lYHQ QlU GHW JlOOHU P|MOLJKHWHQ DWW IUnQJn NUDYHW Sn VNULIWOLJ LQIRUPDWLRQ LQQDQ I|UVlNULQJV DYWDOHW (QOLJW ODJHQ InU LQIRUPDWLRQHQ OlPQDV PXQWOLJHQ RP NXQGHQ EHJlU GHW RP RPHGHOEDUW I|UVlNULQJVVN\GG lU Q|GYlQGLJW HOOHU RP I|U VlNULQJHQ I|UPHGODV SHU WHOHIRQ NDS † I|UVWD VW\FNHW MIU DUWLNHO RFK L I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW , I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW PHGJHV HQGDVW XQGDQWDJ IUnQ NUDYHW Sn VNULIWOLJ LQIRUPDWLRQ YLG WHOHIRQI|UVlOMQLQJ DUWLNHO 'HW LQQHElU DWW DOOD GH QXYDUDQGH XQGDQWDJHQ L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ LQWH NDQ EHKnOODV 8QGDQWDJ IUnQ VNULIWOLJKHWVNUDYHW E|U L HQOLJKHW PHG GLUHNWLYHW GlUI|U PHGJHV HQEDUW YLG WHOHIRQI|UVlOMQLQJ 9LG I|UPHGOLQJ DY I|UVlNULQJDU SHU WHOHIRQ lU GHW DY QDWXUOLJD VNlO LQWH P|MOLJW DWW OlPQD VNULIWOLJ LQIRUPDWLRQ LQQDQ I|UVlNULQJVDYWDOHW LQJnV 'HQQD LQIRUPDWLRQ InU L VWlOOHW OlPQDV PXQWOLJHQ I|UH DYWDOHW LQJnV RFK L HQ KDQGOLQJ HOOHU L QnJRQ DQQDQ OlVEDU

IRUP HIWHU GHW DWW DYWDOHW LQJnWWV

, I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DQJHV YLGDUH EO D DWW I|UVlNULQJV

GLVWULEXW|UHQ YLG WHOHIRQI|UVlOMQLQJ VND OlPQD LQIRUPDWLRQHQ WLOO NXQGHQ omedelbart HIWHU GHW DWW I|UVlNULQJVDYWDO LQJnWWV DUWLNHO (Q

OLNQDQGH XQGDQWDJVUHJHO RP DWW LQIRUPDWLRQ InU OlPQDV L HIWHUKDQG ILQQV L GLUHNWLYHW RP GLVWDQVI|UVlOMQLQJ DY ILQDQVLHOOD WMlQVWHU WLOO NRQVXPHQWHU DUWLNHO L (XURSDSDUODPHQWHWV RFK UnGHWV GLUHNWLY (* DY GHQ VHSWHPEHU RP GLVWDQVI|UVlOMQLQJ DY ILQDQVLHOOD WMlQVWHU WLOO NRQVXPHQWHU RFK RP lQGULQJ DY UnGHWV GLUHNWLY ((* VDPW GLUHNWLYHQ (* RFK (* 8QGDQWDJVUHJHOQ L GHW GLUHNWLYHW KDU L IUnJD RP WLGSXQNWHQ I|U OlPQDQGH DY LQIRUPDWLRQHQ L VYHQVN UlWW

JHQRPI|UWV L ODJHQ RP GLVWDQVDYWDO RFK DYWDO XWDQI|U DIIlUV ORNDOHU Sn GHW VlWW DWW LQIRUPDWLRQHQ VND OlPQDV snarast HIWHU GHW DWW

DYWDOHW KDU LQJnWWV VH NDS RFK †† RFK SURS V RFK 7LGSXQNWHQ I|U DWW OlPQD LQIRUPDWLRQHQ L HIWHUKDQG YLG WHOHIRQ I|UVlOMQLQJ E|U DQJHV Sn VDPPD L GHQ Q\D ODJHQ RP I|UVlNULQJV GLVWULEXWLRQ

5HJOHUQD RP LQIRUPDWLRQ L GLVWDQVI|UVlOMQLQJVGLUHNWLYHW InU YLGDUH DQ VHV JlOOD SDUDOOHOOW PHG UHJOHUQD RP LQIRUPDWLRQ L I|UVlNULQJVGLVWULEX WLRQVGLUHNWLYHW VH DUWLNHO GLVWDQVI|UVlOMQLQJVGLUHNWLYHW 'HWWD LQQHElU DWW I|UVlNULQJVGLVWULEXW|UHQ YLG WHOHIRQI|UVlOMQLQJ HOOHU DQGUD GLVWDQV DYWDOVVLWXDWLRQHU lYHQ VND XSSI\OOD GH LQIRUPDWLRQVNUDY VRP I|OMHU DY GLVWDQVI|UVlOMQLQJVGLUHNWLYHW

Bemyndigande

, VNlOHQ WLOO I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DQJHV EO D DWW GHW E|U

IDVWVWlOODV HQKHWOLJD UHJOHU I|U DWW JH NXQGHQ P|MOLJKHW DWW YlOMD GHW

PHGLXP Sn YLONHW LQIRUPDWLRQHQ VND OlPQDV YLONHW PHGJHU DQYlQGQLQJ

DY HOHNWURQLVN NRPPXQLNDWLRQ QlU GHW PHG KlQV\Q WLOO RPVWlQGLJKHWHUQD

YLG WUDQVDNWLRQHQ lU OlPSOLJW VNlO .XQGHQ E|U GRFN KD UlWW DWW In

LQIRUPDWLRQ Sn SDSSHU , OLQMH PHG GHW VRP DQJHV L VNlOHQ LQQHKnOOHU

I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW WLOO VNLOOQDG IUnQ I|UVlNULQJVPHGOLQJV

opaginerad 6lUVNLOW IRUPNUDY YLG GLVWULEXWLRQ DY VNDGHI|UVlNULQJ Kontrollera mot PDF

GLUHNWLYHW RFK ODJHQ RP I|UVlNULQJVI|UPHGOLQJ GHWDOMHUDGH UHJOHU RP XQGHU YLOND I|UXWVlWWQLQJDU LQIRUPDWLRQHQ InU OlPQDV Sn DQQDW YDUDNWLJW PHGLXP lQ SDSSHU HOOHU Sn HQ ZHEESODWV DUWLNHO ± 'HVVD GHWDOMHUDGH UHJOHU L GLUHNWLYHW E|U JHQRPI|UDV L VYHQVN UlWW JHQRP I|UHVNULIWHU Sn OlJUH QLYn lQ ODJ 5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU E|U GlUI|U PHGGHOD I|UHVNULIWHU RP YLOND IRUPNUDY VRP VND JlOOD I|U LQIRUPDWLRQHQ

6lUVNLOW IRUPNUDY YLG GLVWULEXWLRQ DY VNDGHI|UVlNULQJ

3URPHPRULDQV I|UVODJ 9LG GLVWULEXWLRQ DY VNDGHI|UVlNULQJV SURGXNWHU VND HQ I|UVlNULQJVGLVWULEXW|U JH NXQGHQ LQIRUPDWLRQ RP I|UVlNULQJVSURGXNWHQ L IRUP DY HWW VWDQGDUGLVHUDW SURGXNWIDNWDEODG Sn SDSSHU HOOHU QnJRW DQQDW YDUDNWLJW PHGLXP

3URGXNWIDNWDEODGHW VND YDUD XSSUlWWDW DY XWYHFNODUHQ DY VNDGH I|UVlNULQJVSURGXNWHQ

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU PHGGHOD I|UHVNULIWHU RP YLOND NUDY VRP VND JlOOD L IUnJD RP XW IRUPQLQJHQ DY RFK LQQHKnOOHW L SURGXNWIDNWDEODG HQOLJW I|UVWD VW\FNHW

6NlOHQ I|U SURPHPRULDQV I|UVODJ (QOLJW I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW DUWLNHO VND L IUnJD RP VNDGHI|UVlNULQJVSURGXNWHU REMHNWLY LQIRUPDWLRQ RP I|UVlNULQJVSURGXNWHQ JHV NXQGHQ L IRUP DY HWW VWDQGDUGLVHUDW SURGXNWIDNWDEODG I|U I|UVlNULQJVSURGXNWHU Sn SDSSHU HOOHU QnJRW DQQDW YDUDNWLJW PHGLXP 8WYHFNODUHQ DY VNDGHI|UVlNULQJV SURGXNWHQ VND XSSUlWWD SURGXNWIDNWDEODGHW DUWLNHO , GLUHNWLYHW DUWLNHO I|UVWD VW\FNHW ILQQV lYHQ NUDY QlU GHW JlOOHU XWIRUPQLQJHQ DY SURGXNWIDNWDEODGHQ RFK HQ XSSUlNQLQJ DY GH XSSJLIWHU VRP SURGXNW IDNWDEODGHQ VND LQQHKnOOD DUWLNHO 0HGOHPVVWDWHUQD InU IDVWVWlOOD DWW SURGXNWIDNWDEODGHQ I|U I|UVlNULQJVSURGXNWHQ VND WLOOKDQGDKnOODV WLOO VDPPDQV PHG LQIRUPDWLRQ VRP NUlYV HQOLJW DQGUD UHOHYDQWD XQLRQV ODJVWLIWQLQJVDNWHU HOOHU QDWLRQHOO UlWW XQGHU I|UXWVlWWQLQJ DWW DOOD NUDY L GLUHNWLYHW Sn SURGXNWIDNWDEODGHW lU XSSI\OOGD DUWLNHO DQGUD VW\FNHW

1nJRQ PRWVYDULJKHW WLOO GHVVD UHJOHU L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW ILQQV YDUNHQ L I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW HOOHU L ODJHQ RP I|UVlN ULQJVI|UPHGOLQJ

6RP QlPQV L DYVQLWW NRPSOHWWHUDV GH Q\D UHJOHUQD L I|UVlN ULQJVGLVWULEXWLRQVGLUHNWLYHW RP VWDQGDUGLVHUDGH SURGXNWIDNWDEODG I|U VNDGHI|UVlNULQJVSURGXNWHU DY (8 I|URUGQLQJHQ RP 3ULLS SURGXNWHU 'HQ I|URUGQLQJHQ VND E|UMD WLOOlPSDV GHQ MDQXDUL $Y I|URUGQLQJHQ I|OMHU EO D DWW IDNWDEODGHW VND XWJ|UD LQIRUPDWLRQVXQGHUODJ I|UH LQJnHQGH DY DYWDO RFK DWW GHW VND YDUD W\GOLJW RFK OlWWOlVW VDPW DWW GHW LQWH InU YDUD YLOVHOHGDQGH )DNWDEODGHW VND YDUD DYIDWWDW Sn K|JVW WUH $ VLGRU RFK YDUD NODUW nWVNLOW IUnQ PDUNQDGVI|ULQJVPDWHULDOHW I|U SURGXNWHQ (Q SHUVRQ VRP JHU UnG RP HOOHU VlOMHU HQ 3ULLS SURGXNW VND I|UVH HQ LFNH SURIHVVLRQ HOO LQYHVWHUDUH PHG IDNWDEODGHW L JRG WLG LQQDQ LQYHVWHUDUHQ lU EXQGHQ DY QnJRW HUEMXGDQGH HOOHU DYWDO DYVHHQGH SURGXNWHQ 2P YLVVD I|UXWVlWW

QLQJDU lU XSSI\OOGD NDQ GRFN IDNWDEODGHW WLOOKDQGDKnOODV LQYHVWHUDUHQ

opaginerad 6lUVNLOW IRUPNUDY YLG GLVWULEXWLRQ DY VNDGHI|UVlNULQJ Kontrollera mot PDF

I|UVW HIWHU GHW DWW HWW DYWDO KDU LQJnWWV )|URUGQLQJHQ V\IWDU WLOO DWW |ND LQV\QHQ RFK |SSHQKHWHQ DYVHHQGH SDNHWHUDGH RFK I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU VRP HUEMXGV LFNH SURIHVVLRQHOOD LQYHVWHUDUH 6\IWHW lU DWW LQYHVWHUDUQD VND I|UVWn SURGXNWHUQDV YLNWLJDVWH HJHQVNDSHU RFK ULVNHU NXQQD MlPI|UD ROLND SURGXNWHU PHG YDUDQGUD RFK IDWWD YlO JUXQGDGH LQYHVWHULQJVEHVOXW

'H VNlO VRP UHGRYLVDWV RYDQ QlU GHW JlOOHU IDNWDEODG I|U 3ULLS SURGXNWHU InU DQWDV KD ElULQJ lYHQ Sn W H[ VNDGHI|UVlNULQJVSURGXNWHU

.UDYHW Sn DWW NXQGHQ JHQRP HWW IDNWDEODG VND In EHJULSOLJ LQIRUPDWLRQ RP GH YLNWLJDVWH HJHQVNDSHUQD KRV GHQ DNWXHOOD VNDGHI|UVlNULQJV SURGXNWHQ IUDPVWnU VRP EHIRJDW RFK KHOW L OLQMH PHG I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHWV LQWHQWLRQ DWW K|MD NXQGVN\GGHW (QOLJW SURPH PRULDQV EHG|PQLQJ NDQ GHW ILQQDV VNlO DWW XSSVWlOOD OLNQDQGH NUDY lYHQ I|U DQGUD W\SHU DY I|UVlNULQJVSURGXNWHU W H[ |YULJD OLYI|UVlNULQJV SURGXNWHU RFK SHQVLRQVI|UVlNULQJDU (Q XWYLGJQLQJ DY LQIRUPDWLRQV VN\OGLJKHWHQ JHQRP NUDY Sn SURGXNWIDNWDEODG I|U DQGUD W\SHU DY I|UVlNULQJVSURGXNWHU E|U GRFN YDUD KDUPRQLVHUDG Sn (8 QLYn (QOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW VND (LRSD VDPUnGD PHG QDWLRQHOOD P\QGLJKHWHU VRP JHQRPI|UW NRQVXPHQWWHVWHU RFK GlUHIWHU XWDUEHWD XWNDVW WLOO WHNQLVND VWDQGDUGHU I|U JHQRPI|UDQGH PHG DYVHHQGH Sn HWW VWDQGDUGLVHUDW SUHVHQWDWLRQVIRUPDW I|U SURGXNWIDNWDEODG I|U I|UVlNULQJV SURGXNWHU PHG QlUPDUH XSSJLIWHU RP SUHVHQWDWLRQHQ DY GH XSSJLIWHU VRP DYVHV L GLUHNWLYHW DUWLNHO (LRSD KDU |YHUOlPQDW XWNDVWHW WLOO WHNQLVND VWDQGDUGHU WLOO NRPPLVVLRQHQ GHQ IHEUXDUL

'HW ILQQV PHG KlQV\Q WLOO GHW DQI|UGD LQWH WLOOUlFNOLJD VNlO DWW L GHQQD SURPHPRULD |YHUYlJD LQI|UDQGH DY NUDY VRP L QX DNWXHOOD DYVHHQGHQ JnU OlQJUH lQ GHP L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 5HJOHUQD L I|UVlN ULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO RFK RP GH DOOPlQQD NUDYHQ Sn SURGXNWIDNWDEODG I|U VNDGHI|UVlNULQJVSURGXNWHU E|U GlUI|U JHQRPI|UDV L VYHQVN UlWW L PRWVYDUDQGH EHVWlPPHOVHU L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQVODJHQ 'HW LQQHElU DWW YLG GLVWULEXWLRQ DY VNDGH I|UVlNULQJVSURGXNWHU VND I|UVlNULQJVGLVWULEXW|UHQ JH NXQGHQ LQIRUPDWLRQ RP I|UVlNULQJVSURGXNWHQ L IRUP DY HWW VWDQGDUGLVHUDW SURGXNWIDNWDEODG Sn SDSSHU HOOHU QnJRW DQQDW YDUDNWLJW PHGLXP 3URGXNWIDNWDEODGHW VND YDUD XSSUlWWDW DY XWYHFNODUHQ DY VNDGHI|UVlNULQJVSURGXNWHQ 0HG VNDGH I|UVlNULQJVSURGXNWHU E|U DYVHV VnGDQD I|UVlNULQJVSURGXNWHU VRP lU KlQ I|UOLJD WLOO GH I|UVlNULQJVNODVVHU VRP DQJHV L EHVWlPPHOVHUQD RP WLOOVWnQG I|U GLUHNW VNDGHI|UVlNULQJVU|UHOVH L I|UVlNULQJVU|UHOVHODJHQ NDS †

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU E|U In PHGGHOD I|UHVNULIWHU RP YLOND NUDY VRP VND JlOOD L IUnJD RP SURGXNW IDNWDEODGHQV XWIRUPQLQJ RFK LQQHKnOO 'lULJHQRP NDQ GH GHWDOMHUDGH UHJOHUQD RP SURGXNWIDNWDEODG L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO RFK JHQRPI|UDV L VYHQVN UlWW JHQRP I|UHVNULIWHU Sn OlJUH QLYn lQ ODJ

opaginerad 6lUVNLOW LQIRUPDWLRQVNUDY YLG DQVOXWQLQJ WLOO Kontrollera mot PDF

6lUVNLOW LQIRUPDWLRQVNUDY YLG DQVOXWQLQJ WLOO

REOLJDWRULVN WMlQVWHSHQVLRQVI|UVlNULQJVSODQ RFK

NUDY L I|UKnOODQGH WLOO DQGUD NROOHNWLYD

I|UVlNULQJDU

6lUVNLOW LQIRUPDWLRQVNUDY YLG DQVOXWQLQJ WLOO REOLJDWRULVN WMlQVWHSHQVLRQVI|UVlNULQJVSODQ

3URPHPRULDQV I|UVODJ 2P HQ DQVWlOOG DQVOXWV WLOO HQ REOLJDWRULVN

WMlQVWHSHQVLRQVI|UVlNULQJVSODQ VND GH I|UVlNULQJVGLVWULEXW|UHU VRP

RPIDWWDV DY SODQHQ VlNHUVWlOOD DWW YLVV LQIRUPDWLRQ OlPQDV WLOO GHQ

DQVWlOOGH XWDQ GU|MVPnO HIWHU DQVOXWQLQJHQ

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU

PHGGHOD I|UHVNULIWHU RP YDG HQ I|UVlNULQJVGLVWULEXW|U VND LDNWWD I|U DWW

XSSI\OOD GHQQD VN\OGLJKHW

6NlOHQ I|U SURPHPRULDQV I|UVODJ

Försäkringsdistributionsdirektivet

2P HQ I|UVlNULQJVGLVWULEXW|U lU DQVYDULJ I|U WLOOKDQGDKnOODQGHW DY ´REOLJDWRULVND WMlQVWHSHQVLRQVV\VWHP´ RFK HQ DQVWlOOG DQVOXWLWV WLOO HWW VnGDQW V\VWHP XWDQ DWW KD IDWWDW HWW LQGLYLGXHOOW EHVOXW RP DWW DQVOXWD VLJ VND PHGOHPVVWDWHUQD HQOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW VlNHUVWlOOD DWW LQIRUPDWLRQHQ VRP DYVHV L NDSLWHO 9 L GLUHNWLYHW WLOOKDQGDKnOOV GHQ DQ VWlOOGH XWDQ GU|MVPnO HIWHU DQVOXWQLQJHQ WLOO GHW EHU|UGD V\VWHPHW DUWLNHO VH DYVQLWW QlU GHW JlOOHU NDSLWHO 9

, VNlOHQ WLOO GLUHNWLYHW VNlO DQJHV YLGDUH DWW QlU GHW JlOOHU JUXSS I|UVlNULQJ E|U NXQG DYVH GHQ I|UHWUlGDUH I|U HQ JUXSSV PHGOHPPDU VRP LQJnU HWW I|UVlNULQJVDYWDO I|U JUXSSPHGOHPPDUQDV UlNQLQJ YDUYLG GHQ LQGLYLGXHOOD JUXSSPHGOHPPHQ LQWH NDQ IDWWD HWW LQGLYLGXHOOW EHVOXW RP DWW DQVOXWD VLJ W H[ WLOO REOLJDWRULVND WMlQVWHSHQVLRQVV\VWHP , VNlOHQ DQJHV lYHQ DWW JUXSSHQV I|UHWUlGDUH L WLOOlPSOLJD IDOO XWDQ GU|MVPnO HIWHU LQI|U OLYDQGHW DY HQ PHGOHP L JUXSSI|UVlNULQJHQ E|U WLOOKDQGDKnOOD I|UVlN ULQJVSURGXNWHQV IDNWDEODG VDPW LQIRUPDWLRQ RP GLVWULEXW|UHQV DIIlUV YHUNVDPKHW

Gällande rätt

9DUNHQ L I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW HOOHU L ODJHQ RP I|UVlNULQJV I|UPHGOLQJ ILQQV QnJUD UHJOHU VRP PRWVYDUDU UHJOHUQD RP REOLJDWRULVND WMlQVWHSHQVLRQVV\VWHP L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW , I|UVlNULQJV DYWDOVODJHQ ILQQV FLYLOUlWWVOLJD EHVWlPPHOVHU RP ROLND W\SHU DY NROOHNWLYD I|UVlNULQJDU ± NDS , I|UVlNULQJVU|UHOVHODJHQ ILQQV QlULQJVUlWWVOLJD EHVWlPPHOVHU RP LQIRUPDWLRQVNUDY I|U I|UVlNULQJV I|UHWDJ NDS † 0HG VW|G DY HWW VlUVNLOW EHP\QGLJDQGH NDS † I|UVlNULQJVU|UHOVHODJHQ RFK NDS † I|UVlNULQJVU|UHOVHI|URUGQLQJHQ > @ KDU )LQDQVLQVSHNWLRQHQ PHGGHODW I|UHVNULIWHU RFK DOOPlQQD UnG )))6 RP LQIRUPDWLRQ VRP JlOOHU I|UVlNULQJ RFK WMlQVWH SHQVLRQ $Y GH I|UHVNULIWHUQD IUDPJnU DWW QlU GHW JlOOHU NROOHNWLYDYWDOV

JUXQGDQGH I|UVlNULQJDU VRP I|OMHU HQ |YHUHQVNRPPHOVH PHOODQ HQ DUE

opaginerad Genomförandet av försäkringsdistributionsdirektivet Kontrollera mot PDF

HWVJLYDURUJDQLVDWLRQ RFK HQ FHQWUDO DUEHWVWDJDURUJDQLVDWLRQ InU DYWDOV SDUWHUQD DYWDOD RP YLONHQ LQIRUPDWLRQ VRP VND OlPQDV KXU GHQ VND OlPQDV RFK DY YHP GHQ VND OlPQDV NDS † bYHQ QlU GHW JlOOHU DQGUD NROOHNWLYDYWDOVJUXQGDGH I|UVlNULQJDU HOOHU JUXSSI|UVlNULQJDU InU I|UVlNULQJVI|UHWDJHQ L ROLND XWVWUlFNQLQJ DYWDOD PHG NROOHNWLY DYWDOVSDUWHUQD HOOHU DQGUD VRP NDQ DQVHV I|UHWUlGD I|UVlNULQJVWDJDUQD RP YLONHQ LQIRUPDWLRQ VRP VND OlPQDV HOOHU RP KXU RFK DY YHP GHQ VND OlPQDV

9LG NROOHNWLYDYWDODG WMlQVWHSHQVLRQVI|UVlNULQJ lU GHW VnOHGHV HQOLJW JlOODQGH VYHQVN UlWW WLOOnWHW I|U DYWDOVSDUWHUQD DWW L VWRU XWVWUlFNQLQJ VMlOYD EHVWlPPD YLONHQ LQIRUPDWLRQ VRP VND OlPQDV RFK KXU LQIRUPDWLRQV JLYQLQJHQ L |YULJW VND VNH (Q VnGDQ O|VQLQJ PRWLYHUDV DY DWW YLOONRUHQ I|U GH NROOHNWLYDYWDODGH I|UVlNULQJDUQD I|UKDQGODV IUDP DY VWDUND RUJDQLVDWLRQHU VRP lU NYDOLILFHUDGH DWW WD WLOO YDUD LQGLYLGHUQDV LQWUHVVHQ MIU SURS V 9LG DQGUD JUXSSI|UVlNULQJDU ILQQV GHW RFNVn HWW XWU\PPH I|U I|UVlNULQJVI|UHWDJHW DWW NRPPD |YHUHQV PHG JUXSSI|UHWUlGDUHQ DWW GHQQH VND IXOOJ|UD YLVVD DY I|UVlNULQJVI|UHWDJHWV VN\OGLJKHWHU VH NDS † RFK NDS † I|UVlNULQJVDYWDOVODJHQ 'HQ QXYDUDQGH RUGQLQJHQ LQQHElU DWW LQIRUPDWLRQVOlPQDQGHW OlWW NDQ DQSDVVDV HIWHU GH ROLND W\SHU DY NROOHNWLYD I|UVlNULQJDU VRP ILQQV Sn GHQ VYHQVND PDUNQDGHQ 3n GHW NROOHNWLYDYWDODGH RPUnGHW XSSI\OOV W H[ I|UVlNULQJV I|UHWDJHQV LQIRUPDWLRQVVN\OGLJKHW UHQW SUDNWLVNW WLOO VWRU GHO DY YDOFHQWUDOHU VRP EO D KDU WLOO XSSJLIW DWW YLG DQVOXWQLQJ DY HQ DQVWlOOG OlPQD LQIRUPDWLRQ WLOO GHQ DQVWlOOGH RP GH YDOEDUD I|UVlNULQJVI|UHWDJHQ RFK GHUDV HUEMXGDQGHQ

Genomförandet av försäkringsdistributionsdirektivet

, 6YHULJH ILQQV GHW L JlOODQGH UlWW LQWH QnJRW ODJVWDGJDW NUDY RP WMlQVWH SHQVLRQ RFK GlUPHG LQWH KHOOHU QnJRQ ´REOLJDWRULVN´ WMlQVWHSHQVLRQ L HJHQWOLJ PHQLQJ )|U VYHQVNW YLGNRPPDQGH DNWXDOLVHUDV GlUI|U IUnJDQ YDG VRP DYVHV PHG EHJUHSSHW ´REOLJDWRULVND WMlQVWHSHQVLRQVV\VWHP´ L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

9LG I|UVlNULQJVGLVWULEXWLRQ lU NXQGHQ RFK GHQ I|UVlNUDGH RIWD GHQ VDPPD 9LG GLVWULEXWLRQ DY WMlQVWHSHQVLRQVI|UVlNULQJ lU GHW HPHOOHUWLG DUEHWVJLYDUHQ RFK LQWH GHQ DQVWlOOGH VRP L KXYXGUHJHO lU DWW EHWUDNWD VRP NXQG L I|UKnOODQGH WLOO I|UVlNULQJVJLYDUHQ L GLUHNWLYHWV EHPlUNHOVH 'HWWD lU HQ NRQVHNYHQV DY DWW DUEHWVJLYDUHQ L GHVVD IDOO lU VnYlO I|UVlNULQJVWDJDUH VRP GHQ YDUV SHQVLRQVI|USOLNWHOVH I|UVlNUDWV 'HW lU YLGDUH HQ HWDEOHUDG RFK YlO IXQJHUDQGH PRGHOO Sn GHQ VYHQVND WMlQVWHSHQVLRQVPDUNQDGHQ DWW LQIRUPDWLRQVOlPQDQGHW RFK EHWDOQLQJDU LQRP SHQVLRQVSODQHQ IXOOJ|UV JHQRP YDOFHQWUDOHU HOOHU I|UVlN ULQJVI|UPHGODUH VH lYHQ DYVQLWW 'HWWD InU WLOO I|OMG DWW GHW L UHJHO LQWH I|UHNRPPHU QnJRW LQIRUPDWLRQVIO|GH VRP VNHU GLUHNW PHOODQ I|UVlNULQJVI|UHWDJHW DUEHWVJLYDUHQ RFK GHQ DQVWlOOGH $UEHWVJLYDUHQ VDNQDU L PnQJD IDOO NlQQHGRP RP YLOND YDO GHQ DQVWlOOGH JMRUW LQRP UDPHQ I|U SHQVLRQVSODQHQ 9LGDUH VDNQDU I|UVlNULQJVI|UHWDJHW QlUPDUH XSSJLIWHU RP GHQ DQVWlOOGH GHQ I|UVlNUDGH LQQDQ GHQQH JMRUW VLQD YDO RFK HWW I|UVlNULQJVDYWDO XQGHU SODQHQ GlUPHG XSSVWnU 'HW EHVNULYQD VNDSDU YLVVD XWPDQLQJDU QlU GHW JlOOHU I|UVlNULQJVGLVWULEXW|UHQV

IXOOJ|UDQGH DY VN\OGLJKHWHU L LQIRUPDWLRQVKlQVHHQGH

opaginerad , GHQQD SURPHPRULD J|UV EHG|PQLQJHQ DWW DYVLNWHQ PHG GH QX DNWXHOOD Kontrollera mot PDF

, GHQQD SURPHPRULD J|UV EHG|PQLQJHQ DWW DYVLNWHQ PHG GH QX DNWXHOOD

UHJOHUQD L GLUHNWLYHW lU DWW UHJOHUD IDOO Gn HQ DQVWlOOG DQVOXWV DXWRPDWLVNW WLOO HQ I|UXWEHVWlPG WMlQVWHSHQVLRQVI|UVlNULQJVSODQ VRP EHVNULYV RYDQ GYV REOLJDWRULVN MIU VNlO WLOO GLUHNWLYHW 5HJOHUQD L GLUHNWLYHW NDQ VlJDV LQQHKnOOD HWW NUDY Sn HQ XWYLGJDG LQIRUPDWLRQVVN\OGLJKHW VRP V\IWDU WLOO DWW VlNHUVWlOOD DWW LQWH EDUD NXQGHQ DUEHWVJLYDUHQ XWDQ lYHQ GHQ I|UVlNUDGH GHQ DQVWlOOGH L GHVVD IDOO InU UHOHYDQW LQIRUPDWLRQ RP GH I|UVlNULQJVGLVWULEXW|UHU VRP RPIDWWDV DY SHQVLRQVSODQHQ RFK RP GH ROLND WMlQVWHSHQVLRQVI|UVlNULQJVDOWHUQDWLY VRP GLVWULEXW|UHUQD HUEMXGHU $WW LQIRUPDWLRQHQ VND WLOOKDQGDKnOODV GHQ DQVWlOOGH XWDQ GU|MVPnO HIWHU DQVOXWQLQJHQ LQQHElU YLVVHUOLJHQ L QnJRQ PHQLQJ HWW XQGDQWDJ IUnQ IDOOHW Gn GHQ I|UVlNUDGH VnVRP NXQG InU LQIRUPDWLRQ L JRG WLG LQQDQ DYWDOHWV LQJnHQGH , I|UHYDUDQGH IDOO lU GRFN XQGDQWDJHW KHOW QDWXUOLJW HIWHUVRP GHQ I|UVlNUDGH LQWH lU NXQG L IRUPHOO PHQLQJ RFK I|UVlNULQJVJLYDUHQ LQWH KDU QnJRQ GLUHNWNRQWDNW PHG GHQ DQVWlOOGH LQQDQ DYWDOHWV LQJnHQGH NRQWDNWHQ VNHU JHQRP HQ YDOFHQWUDO

, GH IDOO HQ I|UVlNULQJVGLVWULEXW|U WDU GLUHNW NRQWDNW PHG GHQ DQVWlOOGH L V\IWH DWW SnYHUND GHQQHV YDO HOOHU DYVHHQGH GLVSRVLWLRQHU LQRP UHGDQ VOXWQD I|UVlNULQJVDYWDO lU GRFN GHQ DQVWlOOGH DWW DQVH VRP NXQG L I|UKnOODQGH WLOO GLVWULEXW|UHQ 'LVWULEXW|UHQ InU L GHVVD IDOO DQVHV lJQD VLJ nW I|UVlNULQJVGLVWULEXWLRQ RFK VND Gn XSSI\OOD GH LQIRUPDWLRQVNUDY VRP JlOOHU JHQWHPRW NXQGHQ L YDQOLJ RUGQLQJ MIU SURS V

'H QX DNWXHOOD UHJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RP XW|NDG LQIRUPDWLRQVSOLNW DUWLNHO E|U JHQRPI|UDV L VYHQVN UlWW L HQ PRWVYDUDQGH EHVWlPPHOVH L ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ 2P HQ DQVWlOOG DQVOXWV WLOO HQ REOLJDWRULVN WMlQVWHSHQVLRQVI|UVlNULQJVSODQ ´REOLJDWRULVND WMlQVWHSHQVLRQVV\VWHP´ E|U GHW DQNRPPD Sn GH I|UVlNULQJVGLVWULEXW|UHU VRP RPIDWWDV DY SODQHQ DWW VlNHUVWlOOD DWW LQIRUPDWLRQ OlPQDV WLOO GHQ DQVWlOOGH XWDQ GU|MVPnO HIWHU DQVOXWQLQJHQ

0HG WMlQVWHSHQVLRQVI|UVlNULQJ E|U DYVHV WMlQVWHSHQVLRQVI|UVlNULQJ

HQOLJW GHQ GHILQLWLRQ VRP LQI|UGHV L I|UVlNULQJVU|UHOVHODJHQ YLG JHQRP I|UDQGHW L VYHQVN UlWW DY GHW V N WMlQVWHSHQVLRQVGLUHNWLYHW (XURSD SDUODPHQWHWV RFK UnGHWV GLUHNWLY (* DY GHQ MXQL RP YHUNVDPKHW L RFK WLOOV\Q |YHU WMlQVWHSHQVLRQVLQVWLWXW >,253 @ (QOLJW GHQ GHILQLWLRQHQ DYVHV PHG WMlQVWHSHQVLRQVI|UVlNULQJ OLYI|UVlNULQJ VRP KDU VDPEDQG PHG \UNHVXW|YQLQJ RFK GlU XWEHWDOQLQJ DY I|UVlNULQJV EHORSS HQJnQJVEHORSS HOOHU SHULRGLVND XWEHWDOQLQJDU EHURU DY DWW HQ HOOHU IOHUD SHUVRQHU I|UYlQWDV XSSQn HQ YLVV nOGHU VDPW I|UVlNULQJDU VRP PHGGHODV VRP WLOOlJJ WLOO VnGDQD I|UVlNULQJDU NDS † L O\GHOVHQ GHQ GHFHPEHU 'HILQLWLRQHQ RPIDWWDU VnOHGHV I|UVlNULQJVSURGXNWHU XQGHU YLOND I|UPnQHU EHWDODV XW PHG DQOHGQLQJ DY XSSQnGG HOOHU I|UYlQWDW XSSQnHQGH DY SHQVLRQVnOGHU OLNYlO VRP I|UPnQHU L IRUP DY XWEHWDOQLQJDU YLG G|GVIDOO LQYDOLGLWHW HOOHU XSSK|UDQGH DY DQVWlOOQLQJ HOOHU L IRUP DY ELGUDJ HOOHU WMlQVWHU VRP WLOOKDQGDKnOOV YLG VMXNGRP PHGHOO|VKHW HOOHU G|GIDOO VH SURS V

)|UVODJHW LQQHElU VnOHGHV DWW GHW XW|NDGH LQIRUPDWLRQVNUDYHW VND JlOOD QlU HQ DQVWlOOG DQVOXWV WLOO HQ Sn I|UKDQG EHVWlPG ´REOLJDWRULVN´ WMlQVWHSHQVLRQVI|UVlNULQJVSODQ ,QIRUPDWLRQVVN\OGLJKHWHQ VND YLGDUH RPIDWWD GH ROLND W\SHU DY WMlQVWHSHQVLRQVI|UPnQHU VRP RPIDWWDV DY GHILQLWLRQHQ RYDQ 9DUMH I|UVlNULQJVGLVWULEXW|U VRP RPIDWWDV DY HQ VnGDQ

SHQVLRQVSODQ VND VlNHUVWlOOD DWW LQIRUPDWLRQ OlPQDV WLOO GHQ DQVWlOOGH XWDQ

opaginerad .RUW RP I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHWV NUDY L I|UKnOODQGH WLOO NROOHNWLYD I|UVlNULQJDU Kontrollera mot PDF

GU|MVPnO HIWHU DQVOXWQLQJHQ DQVWlOOQLQJHQ ,QQHE|UGHQ DY DWW LQIRUPDWLRQ VND OlPQDV XWDQ GU|MVPnO YDULHUDU EHURHQGH Sn RPVWlQGLJKHWHUQD 'HW InU GRFN DQVHV LQQHElUD DWW LQIRUPDWLRQHQ VND OlPQDV WLOO GHQ DQVWlOOGH VN\QGVDPW HIWHU DQVOXWQLQJHQ WLOO SHQVLRQVSODQHQ , I|UKnOODQGH WLOO JlOODQGH UlWW LQQHElU GHW IUlPVW HQ SUHFLVHULQJ DY YLONHQ LQIRUPDWLRQ VRP VND OlPQDV WLOO GHQ DQVWlOOGH RFK

DYVHHQGH QlU LQIRUPDWLRQHQ VND OlPQDV .UDYHW Sn DWW I|UVlNULQJV GLVWULEXW|UHQ VND säkerställa DWW LQIRUPDWLRQHQ OlPQDV LQQHElU DWW GHW LQWH

Q|GYlQGLJWYLV lU I|UVlNULQJVGLVWULEXW|UHQ VRP VND OlPQD LQIRUPDWLRQHQ WLOO GHQ DQVWlOOGH 'lUPHG E|U I|UVODJHW LQWH KHOOHU XWJ|UD QnJRW KLQGHU PRW DWW EHKnOOD GHQ LQIRUPDWLRQVPRGHOO VRP DQYlQGV Sn GHQ VYHQVND PDUNQDGHQ L GDJ RFK GlU YDOFHQWUDOHUQD KDU HQ YLNWLJ IXQNWLRQ YLG XSSI\OODQGHW DY I|UVlNULQJVGLVWULEXW|UHUQDV LQIRUPDWLRQVVN\OGLJKHW

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU E|U In PHGGHOD I|UHVNULIWHU RP YDG HQ I|UVlNULQJVGLVWULEXW|U VND LDNWWD I|U DWW XSSI\OOD VLQD VN\OGLJKHWHU QlU GHW JlOOHU GHQ QX DNWXHOOD LQIRUPDWLRQHQ

.RUW RP I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHWV NUDY L I|UKnOODQGH WLOO NROOHNWLYD I|UVlNULQJDU

'H QX DNWXHOOD UHJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO lU HQOLJW RUGDO\GHOVHQ HQGDVW WLOOlPSOLJD Sn ´REOLJDWRULVND WMlQVWH SHQVLRQVV\VWHP´ , GLUHNWLYHW ILQQV GHW LQWH QnJUD JHQHUHOOD UHJOHU RP JUXSSI|UVlNULQJ VRP Sn PRWVYDUDQGH VlWW VlNHUVWlOOHU DWW GHQ I|UVlNUDGH InU UHOHYDQW LQIRUPDWLRQ 9LG VnYlO REOLJDWRULVN VRP IULYLOOLJ JUXSSI|UVlNULQJ VND VnOHGHV VnYlO UHJOHUQD RP NUDY RFK EHKRYVSU|YQLQJ VRP LQIRUPDWLRQVNUDYHQ L GLUHNWLYHW XSSI\OODV JHQWHPRW YDUMH HQVNLOG kund HQOLJW KXYXGUHJHOQ (QOLJW GLUHNWLYHW DUWLNHO VND HPHOOHUWLG XSSJLIWHU YLG NUDY RFK EHKRYVSU|YQLQJHQ RFK REMHNWLY LQIRUPDWLRQ RP I|UVlNULQJVSURGXNWHQ DUWLNHO DQSDVVDV WLOO GHQ I|UHVODJQD I|UVlNULQJVSURGXNWHQV NRPSOH[LWHW RFK W\SHQ DY NXQG 'lULJHQRP WLOOnWV VnOHGHV HQ YLVV DQSDVVQLQJ DY GH NUDY VRP VWlOOV XSS L GLUHNWLYHW 'H HYHQWXHOOD VYnULJKHWHU VRP GLUHNWLYHW NDQ WlQNDV PHGI|UD L QX DNWXHOOW KlQVHHQGH E|U YLG NUDYHQV JHQRPI|UDQGH VHV PRW EDNJUXQG DY DWW JUXSSI|UVlNULQJDU XWJ|U HQ L KXYXGVDN YlO IXQJHUDQGH RFK YLNWLJ I|UVlNULQJVIRUP VRP L EHW\GDQGH RPIDWWQLQJ ELGUDJLW WLOO HQ K|J JUDG DY I|UVlNULQJVWHFNQLQJ L 6YHULJH

, IUnJD RP YHP VRP VND DQVHV YDUD NXQG YLG JUXSSI|UVlNULQJ J|U GLUHNWLYHW HQ VNLOOQDG PHOODQ REOLJDWRULVN RFK IULYLOOLJ JUXSSI|UVlNULQJ VRP LQWH KHOW |YHUHQVVWlPPHU PHG PRWVYDUDQGH LQGHOQLQJ L VYHQVN I|UVlNULQJVDYWDOVUlWW DYVHHQGH NROOHNWLY I|UVlNULQJ (QOLJW GLUHNWLYHW VND QlPOLJHQ GHQ I|UHWUlGDUH I|U HQ JUXSSV PHGOHPPDU VRP LQJnU HWW I|UVlNULQJVDYWDO I|U JUXSSPHGOHPPDUQDV UlNQLQJ DQVHV VRP NXQG VNlO WLOO GLUHNWLYHW 'lULJHQRP DNWXDOLVHUDV IUnJDQ RP KXUXYLGD GH LQIRUPDWLRQVPRGHOOHU VRP DQYlQGV L 6YHULJH L GDJ YLG JUXSSI|UVlNULQJ NDQ DQVHV P|MOLJ|UD DWW NUDYHQ L GLUHNWLYHW XSSI\OOV 6RP IUDPJnU L DYVQLWW lU GHW HQOLJW JlOODQGH UlWW L YLVV RPIDWWQLQJ WLOOnWHW I|U DYWDOVSDUWHUQD DWW VMlOYD EHVWlPPD KXU LQIRUPDWLRQVOlPQDQGHW VND VNH

,QQDQ IUnJRUQD EHKDQGODV RP YHP VRP E|U DQVHV VRP NXQG YLG GLVWULEXWLRQ DY ROLND NROOHNWLYD I|UVlNULQJDU RFK VnOHGHV XWJ|U I|UHPnOHW

opaginerad IDOO YLD HQ YDOFHQWUDO )UnJDQ RP YHP VRP VND EHWUDNWDV VRP I|UVlNULQJVI|UHWDJHWV kund KDU Kontrollera mot PDF

I|U NUDY RFK EHKRYVSU|YQLQJHQ VDPW LQIRUPDWLRQVNUDY VND GHW IUDPKnOODV DWW GHW L DOOPlQKHW I|UHOLJJHU P|MOLJKHWHU DWW XSSGUD nW QnJRQ DQQDQ DWW YLGDUHEHIRUGUD RFK WD HPRW LQIRUPDWLRQ ,QIRUPDWLRQVNUDYHQ E|U L HQOLJKHW GlUPHG LQWH DQVHV KLQGUD DWW I|UVlNULQJVI|UHWDJHW XSSGUDU nW HQ JUXSSI|UHWUlGDUH HOOHU I|UVlNULQJVI|UPHGODUH DWW IXOOJ|UD LQIRUPDWLRQV OlPQDQGHW WLOO HQ NXQG VH DYVQLWW , GHVVD IDOO I|UHOLJJHU L Vn IDOO HWW XSSGUDJVI|UKnOODQGH PHOODQ I|UVlNULQJVGLVWULEXW|UHQ RFK GHQ VRP DQOLWDWV L GHW DYVHHQGHW 'HW GLVWULEXWLRQVUlWWVOLJD DQVYDUHW L I|UKnOODQGH WLOO NXQGHQ NDQ GRFN I|UVlNULQJVGLVWULEXW|UHQ LQWH |YHUOnWD Sn QnJRQ DQQDQ (Q DQQDQ VDN lU DWW HQ I|UVlNULQJVGLVWULEXW|U VRP PHG GHQ DNWVDPKHW VRP XSSJLIWHUQD I|UDQOHGHU KDU XSSGUDJLW nW W H[ HQ JUXSSI|UHWUlGDUH DWW IDNWLVNW IXOOJ|UD YLVVD GLVWULEXW|UHQV VN\OGLJKHWHU LQWH WRUGH NXQQD EOL I|UHPnO I|U QnJUD PHU LQJULSDQGH VDQNWLRQHU RP XSSGUDJVWDJDUHQ EULVWHU L GHVVD XSSJLIWHUV XWI|UDQGH 9LGDUH NDQ GHQ VRP lU DWW EHWUDNWD VRP NXQG L HWW YLVVW DYVHHQGH OnWD LQIRUPDWLRQ VRP VND OlPQDV WLOO GHQQH L VWlOOHW PRWWDV DY QnJRQ DQQDQ 6RP IUDPJnWW J|UV EHG|PQLQJHQ DWW GHW VRP KXYXGUHJHO lU DUEHWVJLYDUHQ VRP XWJ|U I|UVlNULQJVI|UHWDJHWV NXQG L I|UKnOODQGH WLOO WMlQVWHSHQVLRQVI|UVlNULQJDU , VnGDQD IDOO NDQ GHW I|UHIDOOD QDWXUOLJW DWW I|UVlNULQJVI|UHWDJHW RFK DUEHWVJLYDUHQ NRPPHU |YHUHQV RP DWW GH I|UVlNUDGH L YLVVD IDOO VND WD HPRW LQIRUPDWLRQ I|U DUEHWVJLYDUHQV NXQGHQV UlNQLQJ L I|UNRPPDQGH

IDOO YLD HQ YDOFHQWUDO )UnJDQ RP YHP VRP VND EHWUDNWDV VRP I|UVlNULQJVI|UHWDJHWV kund KDU

GHOYLV UHGDQ EHKDQGODWV RYDQ 1HGDQ I|OMHU HPHOOHUWLG HQ QlUPDUH UHGRJ|UHOVH I|U GHQQD EHG|PQLQJ L I|UKnOODQGH WLOO VDPWOLJD QX DNWXHOOD I|UVlNULQJDU

9LG NROOHNWLYDYWDODGH WMlQVWHSHQVLRQVSODQHU I|OMHU SODQHQ HQ |YHUHQVNRPPHOVH PHOODQ HQ DUEHWVJLYDURUJDQLVDWLRQ RFK HQ FHQWUDO DUEHWVWDJDURUJDQLVDWLRQ )|UVlNULQJVI|UHWDJ XSSKDQGODV I|U DWW HUEMXGD GH WMlQVWHU VRP I|OMHU DY WMlQVWHSHQVLRQVSODQHQ 1lU HQ DUEHWVJLYDUH DQVOXWHU VLJ WLOO NROOHNWLYDYWDOHW EOLU GHQQH lYHQ VN\OGLJ DWW I|OMD WMlQVWHSHQVLRQV SODQHQ 'HW LQQHElU DWW DUEHWVJLYDUHQV DQVWlOOGD DQVOXWV WLOO WMlQVWH SHQVLRQVSODQHQ RFK NDQ YlOMD EODQG GH I|UVlNULQJDU VRP RPIDWWDV 1lU GHQ DQVWlOOGH JMRUW VLQD YDO LQRP SODQHQ Vn XSSVWnU GHW HWW I|UVlNULQJV DYWDO PHOODQ DUEHWVJLYDUHQ RFK I|UVlNULQJVI|UHWDJHW XQGHU YLONHW GHQ DQVWlOOGH EOLU I|UVlNUDG 9LG HQ VnGDQ RUGQLQJ InU DUEHWVJLYDUHQ L HQOLJKHW PHG GHQ EHG|PQLQJ VRP QlPQV RYDQ DQVHV XWJ|UD HQ VnGDQ JUXSSI|UHWUlGDUH VRP LQJnU HWW I|UVlNULQJVDYWDO I|U JUXSSPHGOHPPDUQDV UlNQLQJ L GLUHNWLYHWV PHQLQJ VH DYVQLWW RYDQ RFK VNlO WLOO GLUHNWLYHW $UEHWVJLYDUHQ lU VnOHGHV GHQ VRP VND EHWUDNWDV VRP I|UVlNULQJVI|UHWDJHWV NXQG QlU GHW NRPPHU WLOO NUDY RFK EHKRYVSU|YQLQJ VDPW LQIRUPDWLRQVOlPQDQGH

9LG LQGLYLGXHOOD WMlQVWHSHQVLRQVSODQHU XWJ|U SODQHQ HQ GHO DY DQVWlOOQLQJVDYWDOHW PHOODQ HQ DUEHWVJLYDUH RFK HQ DQVWlOOG bYHQ L GHVVD IDOO XSSKDQGODV I|UVlNULQJVI|UHWDJ I|U DWW HUEMXGD GH WMlQVWHU VRP I|OMHU DY SODQHQ 9LG DQVWlOOQLQJHQ DQVOXWV GHQ DQVWlOOGH WLOO WMlQVWHSHQVLRQV SODQHQ YDUYLG GHQQH NDQ YlOMD EODQG GH I|UVlNULQJDU VRP RPIDWWDV 1lU GHQ DQVWlOOGH JMRUW VLQD YDO Vn XSSVWnU OLNVRP YLG NROOHNWLYDYWDODGH WMlQVWHSHQVLRQVSODQHU HWW I|UVlNULQJVDYWDO PHOODQ DUEHWVJLYDUHQ RFK

I|UVlNULQJVI|UHWDJHW XQGHU YLONHW GHQ DQVWlOOGH EOLU I|UVlNUDG bYHQ L

GHVVD IDOO InU DUEHWVJLYDUHQ DQVHV XWJ|UD HQ JUXSSI|UHWUlGDUH VRP LQJnU

opaginerad VRP lU I|UVlNULQJVI|UHWDJHWV NXQG QlU GHW NRPPHU WLOO NUDY RFK Kontrollera mot PDF

HWW I|UVlNULQJVDYWDO I|U JUXSSPHGOHPPDUQDV UlNQLQJ RFK lU VnOHGHV GHQ

VRP lU I|UVlNULQJVI|UHWDJHWV NXQG QlU GHW NRPPHU WLOO NUDY RFK

EHKRYVSU|YQLQJ VDPW LQIRUPDWLRQVOlPQDQGH

9LG REOLJDWRULVN JUXSSI|UVlNULQJ LQJnU HQ JUXSSI|UHWUlGDUH RFK HWW

I|UVlNULQJVI|UHWDJ HWW JUXSSDYWDO YLONHW lYHQ XWJ|U I|UVlNULQJVDYWDOHW

PHOODQ SDUWHUQD 'H HQVNLOGD JUXSSPHGOHPPDUQD DQVOXWV DXWRPDWLVNW WLOO

I|UVlNULQJHQ VnVRP I|UVlNUDGH RFK KDU LQJHQ EHWDOQLQJVVN\OGLJKHW PRW

I|UVlNULQJVJLYDUHQ , HQOLJKHW PHG YDG VRP DQJHV RYDQ L I|UKnOODQGH WLOO

WMlQVWHSHQVLRQHU InU JUXSSI|UHWUlGDUHQ YLG REOLJDWRULVN JUXSSI|UVlNULQJ

DQVHV LQJn HWW I|UVlNULQJVDYWDO I|U JUXSSPHGOHPPDUQDV UlNQLQJ RFK VND

VnOHGHV EHWUDNWDV VRP I|UVlNULQJVI|UHWDJHWV NXQG

9LG IULYLOOLJ JUXSSI|UVlNULQJ LQJnV OLNVRP YLG REOLJDWRULVN JUXSS

I|UVlNULQJ HWW JUXSSDYWDO PHOODQ HQ JUXSSI|UHWUlGDUH RFK HWW I|UVlNULQJV

I|UHWDJ 9LG IULYLOOLJ JUXSSI|UVlNULQJ LQJnV GRFN I|UVlNULQJVDYWDO PHG

YDUMH HQVNLOG JUXSSPHGOHP VRP GlUPHG lYHQ EOLU I|UVlNULQJVWDJDUH

HIWHU DQV|NDQ HOOHU UHVHUYDWLRQVDQVOXWQLQJ )|UVlNULQJVYLOONRUHQ KDU

HPHOOHUWLG L KXYXGVDN EHVWlPWV UHGDQ L JUXSSDYWDOHW *UXSSI|UHWUlGDUHQ

NDQ L I|UHYDUDQGH IDOO LQWH DQVHV LQJnWW QnJRW I|UVlNULQJVDYWDO I|U

PHGOHPPDUQDV UlNQLQJ YLONHW L VLQ WXU LQQHElU DWW GHW lU UHVSHNWLYH

JUXSSPHGOHP VRP VND DQVHV VRP I|UVlNULQJVI|UHWDJHWV NXQG QlU GHW

NRPPHU WLOO NUDY RFK EHKRYVSU|YQLQJ VDPW LQIRUPDWLRQVOlPQDQGH

1lU GHW JlOOHU UHJOHUQD RP GHQ krav- och behovsprövning RFK GHW

informationslämnande VRP VND VNH LQQDQ I|UVlNULQJVDYWDO LQJnV L

I|UKnOODQGH WLOO QX DNWXHOOD I|UVlNULQJDU J|UV I|OMDQGH EHG|PQLQJ

9LG NROOHNWLYDYWDODG WMlQVWHSHQVLRQ InU GHW DQVHV KD JMRUWV HQ

|YHUVLNWOLJ NUDY RFK EHKRYVSU|YQLQJ DY DUEHWVPDUNQDGHQV SDUWHU UHGDQ

QlU SHQVLRQVSODQHQ I|UKDQGODV IUDP LQRP UDPHQ I|U NROOHNWLYDYWDOHW

*HQRP DWW DUEHWVJLYDUHQ NXQGHQ lU DQVOXWHQ HOOHU DQVOXWHU VLJ WLOO

NROOHNWLYDYWDOHW RFK GlUPHG SHQVLRQVSODQHQ InU GHQQH DQVHV EHNUlIWD DWW

GHQ SU|YQLQJHQ |YHUHQVVWlPPHU PHG GHQQHV NUDY RFK EHKRY 1lU GHW

JlOOHU GHQ LQIRUPDWLRQ VRP VND OlPQDV WLOO DUEHWVJLYDUH NXQGHU RFK

GlUHIWHU I|UVlNUDGH QlU GH DQVOXWV WLOO SODQHQ E|U HWW I|UVlNULQJVI|UHWDJ

NXQQD XSSGUD nW HQ YDOFHQWUDO DWW YLGDUHEHIRUGUD GHQ LQIRUPDWLRQ VRP

NUlYV

1lU GHW VHGDQ JlOOHU LQGLYLGXHOO WMlQVWHSHQVLRQ E|U HQ HUIRUGHUOLJ

SU|YQLQJ DY DUEHWVJLYDUHQV NXQGHQV NUDY RFK EHKRY NXQQD VNH DY

I|UVlNULQJVI|UHWDJHW LQRP UDPHQ I|U GHQ XSSKDQGOLQJ VRP J|UV DY

I|UVlNULQJVI|UHWDJ LQRP SODQHQ bYHQ HUIRUGHUOLJ LQIRUPDWLRQ E|U NXQQD

|YHUOlPQDV DY I|UVlNULQJVI|UHWDJHW WLOO DUEHWVJLYDUHQ L VDPEDQG PHG GHQ

XSSKDQGOLQJHQ (IWHU DWW HQ DQVWlOOG DQVOXWLWV WLOO SODQHQ JHQRP VLQ

DQVWlOOQLQJ VND I|UVlNULQJVI|UHWDJHW OlPQD PRWVYDUDQGH LQIRUPDWLRQ

lYHQ WLOO GHQQH , I|UHNRPPDQGH IDOO WRUGH HQ I|UVlNULQJVI|UPHGODUH

NXQQD ELWUlGD I|UVlNULQJVI|UHWDJHW PHG DWW YLGDUHEHIRUGUD GHQ

LQIRUPDWLRQ VRP NUlYV

9LG REOLJDWRULVN JUXSSI|UVlNULQJ E|U I|UVlNULQJVI|UHWDJHWV SU|YQLQJ DY

JUXSSI|UHWUlGDUHQV NXQGHQV NUDY RFK EHKRY NXQQD VNH L VDPEDQG PHG

GHQ I|UKDQGOLQJ VRP I|UHJnU JUXSSDYWDOHW I|UVlNULQJVDYWDOHW 9LGDUH E|U

GHQ LQIRUPDWLRQ VRP VND OlPQDV DY I|UVlNULQJVI|UHWDJHW WLOO JUXSS

I|UHWUlGDUHQ NXQQD |YHUOlPQDV L VDPEDQG PHG GHQ I|UKDQGOLQJHQ

9LG IULYLOOLJ JUXSSI|UVlNULQJ InU OLNVRP YLG NROOHNWLYDYWDODG WMlQVWH

SHQVLRQ DQVHV KD JMRUWV HQ |YHUVLNWOLJ NUDY RFK EHKRYVSU|YQLQJ Sn

opaginerad VRP lU I|UVlNULQJVI|UHWDJHWV NXQG QlU GHW NRPPHU WLOO NUDY RFK Kontrollera mot PDF

JUXSSQLYn UHGDQ QlU JUXSSDYWDOHW LQJnV PHOODQ JUXSSI|UHWUlGDUHQ RFK I|UVlNULQJVI|UHWDJHW GlU YLVVD DQWDJDQGHQ J|UV Sn JUXQGYDO DY JUXSSPHGOHPPDUQDV LQWUHVVHJHPHQVNDS )|UVlNULQJVI|UHWDJHW E|U L VDPEDQG GlUPHG GYV LQQDQ QnJUD I|UVlNULQJVDYWDO LQJnV PHG JUXSSPHGOHPPDUQD NXQQD XSSGUD nW JUXSSI|UHWUlGDUHQ DWW YLGDUHEHIRUGUD XSSJLIWHU RP GH DQWDJDQGHQ VRP JMRUWV L JUXSSDYWDOHW VDPW GHQ LQIRUPDWLRQ L |YULJW VRP NUlYV WLOO JUXSSPHGOHPPDUQD NXQGHUQD 'HWWD NDQ W H[ VNH QlU JUXSSPHGOHPPDUQD HUEMXGV DWW WHFNQD IULYLOOLJ JUXSSI|UVlNULQJ *HQRP DWW GHQ HQVNLOGH JUXSSPHGOHPPHQ NXQGHQ GlUHIWHU OlPQDU HQ DQPlODQ HOOHU I|UKnOOHU VLJ SDVVLY UHVHUYDWLRQVDQVOXWQLQJ InU GHQQH DQVHV KD EHNUlIWDW DWW SU|YQLQJHQ |YHUHQVVWlPPHU PHG GHQQHV NUDY RFK EHKRY DY I|UVlNULQJ

0HG KlQV\Q WLOO GHW RYDQ DQI|UGD InU GH DQSDVVDGH LQIRUPDWLRQV PRGHOOHU VRP DQYlQGV Sn GHQ VYHQVND PDUNQDGHQ L GDJ YLG WMlQVWHSHQVLRQHU OLNVRP YLG REOLJDWRULVN UHVSHNWLYH IULYLOOLJ JUXSS I|UVlNULQJ DQVHV NXQQD WLOOlPSDV lYHQ IRUWVlWWQLQJVYLV I|U DWW XSSI\OOD GH NUDY VRP VWlOOV XSS L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

'H NDQ YLGDUH NRQVWDWHUDV DWW EHVWlPPHOVHUQD RP NUDY RFK EHKRYVSU|YQLQJ VDPW LQIRUPDWLRQVOlPQDQGH VND WLOOlPSDV YLG I|UVlNULQJVGLVWULEXWLRQ VRP VNHU HIWHU GHW DWW GHQ Q\D ODJHQ RP I|UVlN ULQJVGLVWULEXWLRQ WUlGHU L NUDIW 'HW LQQHElU DWW NUDY RFK EHKRYVSU|YQLQJ HOOHU LQIRUPDWLRQVOlPQDQGH LQWH DNWXDOLVHUDV L I|UKnOODQGH WLOO I|UPHG OLQJVDYWDO RFK I|UVlNULQJVDYWDO VRP LQJnWWV I|UH GHQ WLGSXQNWHQ VH DYVQLWW 1lU GHW VHGDQ JlOOHU I|UVlNULQJVDYWDO VRP LQJnV HIWHU GHQ WLGSXQNWHQ PHQ Sn JUXQGYDO DY WMlQVWHSHQVLRQVSODQHU HOOHU JUXSSDYWDO DYVHHQGH IULYLOOLJ JUXSSI|UVlNULQJ VRP I|UKDQGODWV IUDP LQQDQ LNUDIWWUlGDQGHW XSSNRPPHU HPHOOHUWLG IUnJD RP KXU I|UVlNULQJVI|UHWDJHW E|U DJHUD I|U DWW XSSI\OOD UHJOHUQD 'HQ IUnJDQ NDQ DQWDV YDUD DY VWRU EHW\GHOVH HIWHUVRP GHW L GHQQD GHO U|U VLJ RP |YHUHQVNRPPHOVHU PHG OnQJD O|SWLGHU

1lU GHW I|UVW NRPPHU WLOO LQIRUPDWLRQVNUDYHQ Vn LQQHElU GH DWW XSSGDWHUDG LQIRUPDWLRQ NDQ EHK|YD OlPQDV WLOO GHQ VRP lU DWW EHWUDNWD VRP NXQG LQQDQ QnJUD Q\D I|UVlNULQJVDYWDO LQJnV XQGHU UHGDQ EHILQWOLJD WMlQVWHSHQVLRQVSODQHU HOOHU JUXSSDYWDO DYVHHQGH IULYLOOLJ JUXSSI|UVlNULQJ 1lU GHW VHGDQ NRPPHU WLOO NUDY RFK EHKRYVSU|YQLQJHQ Vn EHURU EHKRYHW DY \WWHUOLJDUH nWJlUGHU Sn L YDG PnQ NXQGHQV NUDY RFK EHKRY EHDNWDWV L VDPEDQG PHG GHQ SURFHVV VRP L YDUMH HQVNLOW IDOO I|UHJnWW WMlQVWHSHQVLRQVSODQHQ HOOHU JUXSSDYWDOHW DYVHHQGH IULYLOOLJ JUXSS I|UVlNULQJ 'HW InU HPHOOHUWLG DQVHV DWW I|UIDUDQGHW Sn GHW NROOHNWLYDYWDODGH RPUnGHW UHGDQ QX XSSI\OOHU UHJOHUQD RP NUDY RFK EHKRYVSU|YQLQJ L GLUHNWLYHWV PHQLQJ 1nJRQ I|UQ\DG NUDY RFK EHKRYVSU|YQLQJ E|U VRP HQ XWJnQJVSXQNW LQWH KHOOHU DNWXDOLVHUDV L I|UKnOODQGH WLOO UHGDQ I|UHOLJJDQGH LQGLYLGXHOOD WMlQVWHSHQVLRQVSODQHU 'HW PRWVYDUDQGH E|U DQVHV JlOOD L I|UKnOODQGH WLOO JUXSSDYWDO DYVHHQGH IULYLOOLJ JUXSSI|UVlNULQJ L YDUW IDOO RP JUXSSI|UHWUlGDUHQ lJHU LQWUHVVHJHPHQVNDS PHG JUXSSPHGOHPPDUQD 'HQQD EHG|PQLQJ J|U VLJ VlUVNLOW JlOODQGH PHG VW|G DY GHQ RYDQ QlPQGD DQSDVVQLQJ DY NUDYHQ VRP I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW WLOOnWHU DUWLNHO L NRPELQDWLRQ PHG NDUDNWlUHQ KRV GHQ L KXYXGVDN YlO IXQJHUDQGH GHO DY I|UVlNULQJVPDUNQDGHQ VRP QX EHU|UV

opaginerad 6lUVNLOGD LQIRUPDWLRQVNUDY YLG NRUVI|UVlOMQLQJ Kontrollera mot PDF

6lUVNLOGD LQIRUPDWLRQVNUDY YLG NRUVI|UVlOMQLQJ

3URPHPRULDQV I|UVODJ 1lU HQ I|UVlNULQJVGLVWULEXW|U HUEMXGHU HQ

I|UVlNULQJVSURGXNW WLOOVDPPDQV PHG HQ DQQDQ XQGHURUGQDG SURGXNW

HOOHU WMlQVW VRP LQWH lU HQ I|UVlNULQJ ± VRP HQ GHO DY HWW SDNHW HOOHU DY

HWW RFK VDPPD DYWDO ± VND GLVWULEXW|UHQ LQIRUPHUD NXQGHQ RP KXUX

YLGD GHW lU P|MOLJW DWW N|SD GH ROLND EHVWnQGVGHODUQD VHSDUDW RFK RP

GHWWD lU P|MOLJW JH HQ DGHNYDW EHVNULYQLQJ DY GH ROLND GHODUQD L DYWDOHW

HOOHU SDNHWHW VDPW OlPQD VHSDUDWD XSSJLIWHU RP NRVWQDGHU RFK DYJLIWHU

I|U UHVSHNWLYH EHVWnQGVGHO

2P ULVNHQ HOOHU I|UVlNULQJVVN\GGHW L HWW VnGDQW DYWDO HOOHU SDNHW

VNLOMHU VLJ IUnQ GHQ ULVN HOOHU GHW I|UVlNULQJVVN\GG VRP EHVWnQGV

GHODUQD PHGI|U YDU I|U VLJ VND GLVWULEXW|UHQ JH HQ DGHNYDW EHVNULYQLQJ

DY GH ROLND EHVWnQGVGHODUQD L DYWDOHW HOOHU SDNHWHW RFK DY Sn YLONHW VlWW

GHUDV LQE|UGHV VDPVSHO NDQ SnYHUND ULVNHQ HOOHU I|UVlNULQJVVN\GGHW

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU

PHGGHOD I|UHVNULIWHU RP YDG HQ I|UVlNULQJVGLVWULEXW|U VND LDNWWD I|U DWW

IXOOJ|UD LQIRUPDWLRQVVN\OGLJKHWHQ YLG NRUVI|UVlOMQLQJ

6NlOHQ I|U SURPHPRULDQV I|UVODJ 6RP IUDPJnU L DYVQLWW LQQHKnOOHU

I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO ± VlUVNLOGD RFK Q\D

UHJOHU RP NRUVI|UVlOMQLQJ DUWLNODUQD ± EHKDQGODV L DYVQLWWHW RP

UHJOHU I|U YHUNVDPKHWHQ RFK EHKDQGODV VnOHGHV LQWH L I|UHYDUDQGH DYVQLWW

1nJRQ GHILQLWLRQ DY YDG VRP DYVHV PHG NRUVI|UVlOMQLQJ ILQQV LQWH L

I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW $Y GLUHNWLYHW NDQ GRFN XWOlVDV DWW PHG

NRUVI|UVlOMQLQJ DYVHV I|UIDUDQGHQ Gn HQ I|UVlNULQJVSURGXNW HUEMXGV

WLOOVDPPDQV PHG HQ DQQDQ SURGXNW VRP LQWH lU HQ I|UVlNULQJ VRP HQ GHO

DY HWW SDNHW HOOHU DY HWW RFK VDPPD DYWDO DUWLNHO RFK , VNlOHQ

WLOO GLUHNWLYHW VNlOHQ RFK DQJHV YLGDUH DWW NRUVI|UVlOMQLQJ lU HQ

YDQOLJW I|UHNRPPDQGH VWUDWHJL VRP I|UVlNULQJVGLVWULEXW|UHU DQYlQGHU L

KHOD XQLRQHQ 0HWRGHQ NDQ LQQHElUD I|UGHODU I|U NXQGHU PHQ NDQ RFNVn

PHGI|UD DWW NXQGHUQDV LQWUHVVHQ LQWH EHDNWDV L WLOOUlFNOLJ PnQ 9LGDUH

DQJHV DWW UHJOHUQD L GLUHNWLYHW LQWH E|U SnYHUND WLOOlPSQLQJHQ DY XQLRQHQV

ODJVWLIWQLQJVDNWHU PHG UHJOHU RP NRUVI|UVlOMQLQJ DY YLVVD NDWHJRULHU DY

YDURU HOOHU WMlQVWHU

2P HQ I|UVlNULQJVSURGXNW HUEMXGV WLOOVDPPDQV PHG HQ DQQDQ XQGHU

RUGQDG SURGXNW HOOHU WMlQVW VND I|UVlNULQJVGLVWULEXW|UHQ LQIRUPHUD NXQGHQ

RP KXUXYLGD GHW lU P|MOLJW DWW N|SD GH ROLND EHVWnQGVGHODUQD L DYWDOHW

VHSDUDW RFK RP GHWWD lU P|MOLJW JH HQ DGHNYDW EHVNULYQLQJ DY GH ROLND

GHODUQD L DYWDOHW HOOHU SDNHWHW VDPW OlPQD VHSDUDWD XSSJLIWHU RP

NRVWQDGHU RFK DYJLIWHU I|U UHVSHNWLYH EHVWnQGVGHO DUWLNHO

2P ULVNHQ HOOHU I|UVlNULQJVVN\GGHW L HWW VnGDQW DYWDO HOOHU SDNHW VNLOMHU

VLJ IUnQ GHQ ULVN HOOHU GHW I|UVlNULQJVVN\GG VRP EHVWnQGVGHODUQD PHGI|U

YDU I|U VLJ VND GLVWULEXW|UHQ JH HQ DGHNYDW EHVNULYQLQJ DY GH ROLND

EHVWnQGVGHODUQD RFK KXU GHUDV VDPYHUNDQ NDQ SnYHUND ULVNHQ HOOHU

I|UVlNULQJVVN\GGHW DUWLNHO

6RP IUDPJnU L DYVQLWW lU I|UVlNULQJVGLVWULEXW|UHU lYHQ YLG NRUV

I|UVlOMQLQJ VN\OGLJD DWW NODUJ|UD NXQGHQV NUDY RFK EHKRY L IUnJD RP

I|UVlNULQJVVN\GG LQQDQ DYWDO LQJnV DUWLNHO

(LRSD InU XWIRUPD ULNWOLQMHU I|U JUDQVNQLQJ RFK WLOOV\Q DY PHWRGHU I|U

NRUVI|UVlOMQLQJ VDPW DQJH GH VLWXDWLRQHU GlU NRUVI|UVlOMQLQJ LQWH lU

opaginerad 6N\OGLJKHW DWW YLGDUHEHIRUGUD LQIRUPDWLRQ Kontrollera mot PDF

I|UHQOLJ PHG VN\OGLJKHWHQ DWW DJHUD KHGHUOLJW UlWWYLVW RFK SURIHVVLRQHOOW RFK L HQOLJKHW PHG NXQGHUQDV ElVWD LQWUHVVH DUWLNHO 6RP IUDPJnU L DYVQLWW EHG|PV VnGDQD ULNWOLQMHU YLG EHKRY NXQQD I|UDV LQ L P\QGLJKHWVI|UHVNULIWHU PHG VW|G DY GH EHP\QGLJDQGHQ VRP I|UHVOnV L DQVOXWQLQJ WLOO GH JUXQGOlJJDQGH NUDYHQ I|U I|UVlNULQJVGLVWULEXWLRQ HUVlWWQLQJ IUnQ QnJRQ DQQDQ lQ NXQGHQ VDPW RP HUVlWWQLQJVV\VWHP

'HW ILQQV L JlOODQGH VYHQVN UlWW LQWH QnJUD UHJOHU RP NRUVI|UVlOMQLQJ DY I|UVlNULQJVSURGXNWHU 5HJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RP LQIRUPDWLRQVNUDY YLG NRUVI|UVlOMQLQJ E|U JHQRPI|UDV L PRWVYDUDQGH EHVWlPPHOVHU L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

'HW NDQ ILQQDV HWW EHKRY DY DWW NXQQD SUHFLVHUD LQIRUPDWLRQVNUDYHQ YLG NRUVI|UVlOMQLQJ JHQRP I|UHVNULIWHU Sn OlJUH QLYn lQ ODJ 5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU E|U GlUI|U In PHGGHOD I|UHVNULIWHU RP YDG HQ I|UVlNULQJVGLVWULEXW|U VND LDNWWD I|U DWW IXOOJ|UD LQIRUPDWLRQVVN\OGLJKHWHQ YLG NRUVI|UVlOMQLQJ

6N\OGLJKHW DWW YLGDUHEHIRUGUD LQIRUPDWLRQ

3URPHPRULDQV I|UVODJ %HVWlPPHOVHQ L ODJHQ RP I|UVlNULQJV

I|UPHGOLQJ RP DWW HQ I|UVlNULQJVI|UPHGODUH VRP WDU HPRW VnGDQ

LQIRUPDWLRQ RP I|UVlNULQJVDYWDOHW VRP HQ I|UVlNULQJVJLYDUH lU VN\OGLJ

DWW OlPQD WLOO I|UVlNULQJVWDJDUHQ VND YLGDUHEHIRUGUD LQIRUPDWLRQHQ WLOO

I|UVlNULQJVWDJDUHQ I|UV |YHU RI|UlQGUDG WLOO ODJHQ RP I|UVlNULQJV

GLVWULEXWLRQ

6NlOHQ I|U SURPHPRULDQV I|UVODJ (QOLJW ODJHQ RP I|UVlNULQJV

I|UPHGOLQJ VND HQ I|UVlNULQJVI|UPHGODUH WLOO NXQGHQ YLGDUHEHIRUGUD VnGDQ LQIRUPDWLRQ RP I|UVlNULQJVDYWDOHW VRP HWW I|UVlNULQJVI|UHWDJ lU VN\OGLJW DWW OlPQD WLOO HQ I|UVlNULQJVWDJDUH NDS † )|U DWW W\GOLJJ|UD YLONHW DQVYDU I|UVlNULQJVI|UPHGODUHQ KDU lU EHVWlPPHOVHQ XWIRUPDG VRP HQ VN\OGLJKHW I|U I|UPHGODUHQ DWW YLGDUHEHIRUGUD YLVV LQIRUPDWLRQ WLOO I|UVlNULQJVWDJDUHQ SURS V I 6\IWHW PHG NUDYHW lU DWW VlNHUVWlOOD DWW I|UVlNULQJVWDJDUHQ InU GHO DY Q|GYlQGLJ LQIRUPDWLRQ IUnQ I|UVlNULQJVJLYDUHQ lYHQ L GH IDOO QnJRQ DY SDUWHUQD DQYlQGHU VLJ DY HQ PHOODQPDQ 5HJHOQ RP YLGDUHEHIRUGUDQ WUlIIDU EDUD VnGDQ LQIRUPDWLRQ VRP I|UVlNULQJVJLYDUHQ IDNWLVNW OlPQDW WLOO I|UPHGODUHQ )|UPHGODUHQ KDU VnOHGHV LQJHQ VN\OGLJKHW DWW DNWLYW V|ND HIWHU GHQ LQIRUPDWLRQ VRP I|UVlNULQJVJLYDUHQ lU VN\OGLJ DWW OlPQD *HQRP DWW RUGHW YLGDUHEHIRUGUD DQYlQGV J|UV GHW W\GOLJW DWW I|UPHGODUHQ LQWH KDU UlWW DWW EHDUEHWD HOOHU I|UlQGUD I|UVlNULQJVJLYDUHQV LQIRUPDWLRQVPDWHULDO $WW I|UPHGODUHQ Sn JUXQG DY NUDYHW Sn JRG I|UVlNULQJVI|UPHGOLQJVVHG MIU JRG I|UVlNULQJV GLVWULEXWLRQVVWDQGDUG VH DYVQLWW HOOHU NUDYHW Sn WLOOE|UOLJ RPVRUJ NDQ DQVHV KD HQ VN\OGLJKHW DWW I|UNODUD I|UW\GOLJD HOOHU NRPSOHWWHUD I|U VlNULQJVJLYDUHQV LQIRUPDWLRQ lU HQ DQQDQ VDN )|U I|UVlNULQJVWDJDUHQ VND GHW YDUD W\GOLJW IUnQ YHP ROLND VODJV LQIRUPDWLRQ KlUU|U VH VDPPD SURS

'HW VDNQDV VNlO DWW WD ERUW HOOHU lQGUD GHW QXYDUDQGH NUDYHW L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ DWW HQ I|UVlNULQJVI|UPHGODUH VND YLGDUHEHRUGUD YLVV LQIRUPDWLRQ WLOO I|UVlNULQJVWDJDUHQ .UDYHW lU I|UHQOLJW PHG I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RFK EHVWlPPHOVHQ L ODJHQ RP I|U

opaginerad RP I|UVlNULQJVGLVWULEXWLRQ Kontrollera mot PDF

VlNULQJVI|UPHGOLQJ E|U GlUI|U I|UDV |YHU RI|UlQGUDG WLOO GHQ Q\D ODJHQ

RP I|UVlNULQJVGLVWULEXWLRQ

'RNXPHQWDWLRQVVN\OGLJKHW

3URPHPRULDQV I|UVODJ %HVWlPPHOVHQ L ODJHQ RP I|UVlNULQJVI|U

PHGOLQJ RP DWW HQ I|UVlNULQJVI|UPHGODUH VND GRNXPHQWHUD YDG VRP

I|UHNRPPLW YLG GLVWULEXWLRQVWLOOIlOOHW RFK OlPQD GRNXPHQWDWLRQHQ WLOO

NXQGHQ I|UV |YHU WLOO ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ %HVWlPPHOVHQ

VND JlOOD lYHQ I|U I|UVlNULQJVGLVWULEXW|UHU VRP LQWH lU I|UVlNULQJV

I|UHPHGODUH

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU

PHGGHOD I|UHVNULIWHU RP GRNXPHQWDWLRQ

6NlOHQ I|U SURPHPRULDQV I|UVODJ (QOLJW ODJHQ RP I|UVlNULQJV

I|UPHGOLQJ VND I|UVlNULQJVI|UPHGODUHQ GRNXPHQWHUD YDG VRP I|UH

NRPPLW YLG I|UPHGOLQJVWLOOIlOOHW RFK OlPQD GRNXPHQWDWLRQHQ WLOO NXQGHQ

NDS † <WWHUOLJDUH EHVWlPPHOVHU RP GRNXPHQWDWLRQ ILQQV L )LQDQV

LQVSHNWLRQHQV I|UHVNULIWHU RFK DOOPlQQD UnG RP I|UVlNULQJVI|UPHGOLQJ

NDS

1XYDUDQGH EHVWlPPHOVH L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ lU XWIRUPDG

HIWHU I|UHELOG DY PRWVYDUDQGH EHVWlPPHOVH L ODJHQ RP ILQDQVLHOO

UnGJLYQLQJ WLOO NRQVXPHQWHU † PHQ GHQ KDU RFNVn VLQ JUXQG L

I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW SURS V (QOLJW GHW

GLUHNWLYHW VND HQ I|UVlNULQJVI|UPHGODUH LQQDQ HWW DYWDO LQJnV VlUVNLOW Sn

JUXQGYDO DY GH XSSJLIWHU VRP NXQGHQ OlPQDW nWPLQVWRQH VSHFLILFHUD

NXQGHQV NUDY RFK EHKRY VDPW DQJH VNlOHQ WLOO YDUMH UnG VRP JHV RP HQ

YLVV I|UVlNULQJVSURGXNW DUWLNHO 5HGRYLVQLQJHQ VND DQSDVVDV WLOO

GHW HUEMXGQD I|UVlNULQJVDYWDOHWV NRPSOH[LWHW $Y GLUHNWLYHW I|OMHU YLGDUH

DWW UHGRYLVQLQJHQ VND OlPQDV Sn SDSSHU HOOHU DQQDW YDUDNWLJW PHGLXP VRP

NXQGHQ KDU WLOOJnQJ WLOO RFK NDQ XWQ\WWMD VDPW YDUD NODU RFK NRUUHNW Sn HWW

VlWW VRP lU I|UVWnHOLJW I|U NXQGHQ DUWLNHO

9LG JHQRPI|UDQGHW L VYHQVN UlWW DY I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW

NRQVWDWHUDGHV EO D DWW HQ L GHW QlUPDVWH DEVROXW GRNXPHQWDWLRQVVN\O

GLJKHW I|OMHU DY GH QX DNWXHOOD UHJOHUQD L GHW GLUHNWLYHW RFK DWW XQGDQWDJ

IUnQ GHQQD VN\OGLJKHW VNXOOH LQQHElUD HWW GLUHNW EURWW PRW GLUHNWLYHW

VDPPD SURS 9LGDUH NRQVWDWHUDGHV DWW UHGRYLVQLQJHQ WLOO NXQGHQ Sn

VDPPD VlWW VRP DQQDQ LQIRUPDWLRQ WLOO NXQGHQ VND OlPQDV Sn SDSSHU

HOOHU DQQDW YDUDNWLJW PHGLXP VRP NXQGHQ KDU WLOOJnQJ WLOO RFK NDQ

XWQ\WWMD

'HQ QXYDUDQGH GRNXPHQWDWLRQVVN\OGLJKHW VRP JlOOHU I|U I|UVlNULQJV

I|UPHGODUH HQOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ I\OOHU HQ YLNWLJ IXQN

WLRQ I|U NXQGHUQDV VlNHUKHW PHQ lYHQ I|U I|UPHGODUQD 2P HQ WYLVW

VNXOOH XSSVWn PHOODQ I|UPHGODUH RFK NXQG RP YDG VRP I|UHYDULW YLG I|U

PHGOLQJVWLOOIlOOHW XWJ|U GRNXPHQWDWLRQHQ YLNWLJW EHYLVPDWHULDO 'RNX

PHQWDWLRQVNUDYHW E|U JlOOD lYHQ L IRUWVlWWQLQJHQ %HVWlPPHOVHQ L ODJHQ

RP I|UVlNULQJVI|UPHGOLQJ RP DWW HQ I|UVlNULQJVI|UPHGODUH VND GRNXPHQ

WHUD YDG VRP I|UHNRPPLW YLG GLVWULEXWLRQVWLOOIlOOHW RFK OlPQD GRNXPHQWD

WLRQHQ WLOO NXQGHQ E|U GlUI|U I|UDV |YHU WLOO GHQ Q\D ODJHQ RP I|UVlNULQJV

GLVWULEXWLRQ , I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW ILQQV LQIRUPDWLRQV RFK

opaginerad 8QGDQWDJ IUnQ LQIRUPDWLRQVSOLNWHQ Kontrollera mot PDF

IRUPNUDY I|U I|UVlNULQJVGLVWULEXW|UHU VRP L DOOW YlVHQWOLJW PRWVYDUDU GH QlPQGD NUDYHQ L I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW MIU DUWLNHO I|UVWD RFK DQGUD VW\FNHW DUWLNHO RFK DUWLNHO .UDYHW L GHQ Q\D ODJHQ E|U GlUI|U XWYLGJDV L I|UKnOODQGHW WLOO GHW QXYDUDQGH NUDYHW L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ Vn DWW GHW JlOOHU lYHQ I|UVlNULQJVGLVWULEXW|UHU VRP LQWH lU I|UVlNULQJVI|UPHGODUH

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU E|U In PHGGHOD I|UHVNULIWHU RP GRNXPHQWDWLRQHQ RFK RP VN\OGLJKHWHQ DWW OlPQD XW GHQ WLOO NXQGHQ

8QGDQWDJ IUnQ LQIRUPDWLRQVSOLNWHQ

3URPHPRULDQV I|UVODJ ,QIRUPDWLRQ WLOO NXQGHQ EHK|YHU LQWH OlPQDV QlU I|UVlNULQJVGLVWULEXW|UHQ EHGULYHU GLVWULEXWLRQVYHUNVDPKHW PHG DQNQ\WQLQJ WLOO I|UVlNULQJDU PRW VWRUD ULVNHU YLG I|UPHGOLQJ DY nWHU I|UVlNULQJ HOOHU YLG YHUNVDPKHW PHG VW|G DY VLGRWLOOVWnQG

6NlOHQ I|U SURPHPRULDQV I|UVODJ 6RP IUDPJnU L DYVQLWW VWlOOHU I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW XSS VSHFLILND NUDY Sn YLONHQ LQIRUPD WLRQ VRP VND OlPQDV WLOO NXQGHQ YHP VRP VND OlPQD LQIRUPDWLRQHQ RFK RP KXU RFK QlU GHQ VND OlPQDV , GLUHNWLYHW ILQQV lYHQ XQGDQWDJ IUnQ GHVVD LQIRUPDWLRQVNUDY DUWLNHO

(QOLJW GLUHNWLYHW EHK|YHU GHQ DOOPlQQD LQIRUPDWLRQ RFK GHQ VlUVNLOGD LQIRUPDWLRQ RP LQWUHVVHNRQIOLNWHU RFK RP UnGJLYQLQJ VRP DQQDUV VND OlPQDV LQWH OlPQDV QlU I|UVlNULQJVGLVWULEXW|UHQ EHGULYHU GLVWULEXWLRQV YHUNVDPKHW PHG DQNQ\WQLQJ WLOO I|UVlNULQJDU PRW VWRUD ULVNHU DUWLNHO I|UVWD VW\FNHW 9DG VRP DYVHV PHG VWRUD ULVNHU GHILQLHUDV L GLUHN WLYHW DUWLNHO

0HGOHPVVWDWHUQD InU lYHQ I|UHVNULYD DWW YLVV LQIRUPDWLRQ VRP DQQDUV VND OlPQDV YLG GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU LQWH EHK|YHU OlPQDV WLOO HQ SURIHVVLRQHOO NXQG HQOLJW GHILQLWLRQHQ L 0L),' ,, DUWLNHO DQGUD VW\FNHW L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RFK DUWLNHO L 0L),' ,, 'HW XQGDQWDJHW IUnQ LQIRUPDWLRQVSOLNW EHKDQGODV GRFN LQWH L I|UHYDUDQGH DYVQLWW XWDQ L DYVQLWW

, VNlOHQ WLOO I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW VNlO DQJHV DWW EH KRYHW DY DWW NUlYD LQIRUPDWLRQ lU PLQGUH QlU NXQGHQ lU HWW I|UHWDJ VRP |QVNDU nWHUI|UVlNULQJ HOOHU I|UVlNULQJVVN\GG I|U NRPPHUVLHOOD RFK LQGXVWULHOOD ULVNHU HOOHU QlU HQGDVW I|UVlNULQJVEDVHUDGH LQYHVWHULQJV SURGXNWHU GLVWULEXHUDV RFK NXQGHQ lU HQ SURIHVVLRQHOO NXQG HQOLJW GHILQLWLRQHQ 0L),' ,,

5HJOHUQD RP XQGDQWDJ IUnQ LQIRUPDWLRQVSOLNW L I|UVlNULQJVGLVWULEX

WLRQVGLUHNWLYHW DUWLNHO I|UVWD VW\FNHW PRWVYDUDV DY UHJOHU L I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW DUWLNHO (QOLJW VLVWQlPQGD GLUHNWLY EHK|YHU VnGDQ LQIRUPDWLRQ VRP QX lU DNWXHOO LQWH OlPQDV QlU I|UVlNULQJVI|UPHGODUHQ I|UPHGODU I|UVlNULQJDU PRW VWRUD ULVNHU HOOHU QlU GHW U|U VLJ RP I|UPHGOLQJ DY nWHUI|UVlNULQJVI|UPHGODUH 'H UHJOHUQD L I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW KDU JHQRPI|UWV L VYHQVN UlWW JHQRP HWW PRWVYDUDQGH XQGDQWDJ L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ NDS † (QOLJW GHW XQGDQWDJHW VND EHVWlPPHOVHU RP LQIRUPDWLRQ L GHQ ODJHQ LQWH

WLOOlPSDV YLG I|UPHGOLQJ DY nWHUI|UVlNULQJ I|UPHGOLQJ DY I|UVlNULQJ PRW

opaginerad 3nI|OMG YLG XWHEOLYHQ LQIRUPDWLRQ Kontrollera mot PDF

VWRUD ULVNHU HOOHU VLGRYHUNVDPKHW VRP DYVHU I|UPHGOLQJ DY IRQGDQGHODU , I|UDUEHWHQD DQJHV EHWUlIIDQGH XQGDQWDJHW YLG I|UPHGOLQJ DY IRQGDQGHODU DWW GH VlUVNLOGD LQIRUPDWLRQVNUDYHQ I|U I|UVlNULQJVI|UPHGODUH LQWH E|U YDUD WLOOlPSOLJD YLG GHQQD W\S DY VLGRYHUNVDPKHW HIWHUVRP I|UPHGODUHQ Gn VND XSSI\OOD GH NUDY VRP JlOOHU I|U GHQ YHUNVDPKHWHQ SURS V

8QGDQWDJHQ IUnQ LQIRUPDWLRQVVN\OGLJKHWHQ YLG YHUNVDPKHW PHG DQ NQ\WQLQJ WLOO I|UVlNULQJDU PRW VWRUD ULVNHU RFK YLG I|UPHGOLQJ DY nWHU I|UVlNULQJ PRWLYHUDV DY DWW GHW L GH DNWXHOOD IDOOHQ InU DQWDV DWW NXQGHQ NRPPHU DWW NUlYD GHQ LQIRUPDWLRQ IUnQ GLVWULEXW|UHQ VRP NXQGHQ DQVHU VLJ EHK|YD MIU VDPPD SURS V RFK VNlO WLOO I|UVlNULQJVGLVWUL EXWLRQVGLUHNWLYHW

6RP IUDPJnU RYDQ PHGJHU I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW PRW VYDUDQGH XQGDQWDJ IUnQ LQIRUPDWLRQVVN\OGLJKHWHQ VRP GH VRP L GDJ JlOOHU HQOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ YLG GLVWULEXWLRQ DY I|UVlN ULQJDU PRW VWRUD ULVNHU 'HW VRP DQJHV L VNlOHQ WLOO GLUHNWLYHW InU YLGDUH DQVHV JH VW|G I|U HWW IRUWVDWW XQGDQWDJ IUnQ LQIRUPDWLRQVSOLNWHQ YLG I|U PHGOLQJ DY nWHUI|UVlNULQJ VNlO

'HW XQGDQWDJ IUnQ LQIRUPDWLRQVSOLNWHQ VRP JlOOHU YLG I|UPHGOLQJ DY IRQGDQGHODU HQOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ NDS † E|U YDUD PRWLYHUDW lYHQ L IRUWVlWWQLQJHQ PHG KlQV\Q WLOO I|UVODJHW L GHQQD SURPHPRULD DWW GHQ JUXSSHQ DY GLVWULEXW|UHU VND I|OMD GH LQIRUPDWLRQV NUDY VRP JlOOHU HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ VH DYVQLWW

6DPPDQIDWWQLQJVYLV E|U EHVWlPPHOVHUQD RP XQGDQWDJ IUnQ LQIRUPD WLRQVVN\OGLJKHWHQ I|U I|UVlNULQJVI|UPHGODUH L ODJHQ RP I|UVlNULQJV I|UPHGOLQJ I|UDV |YHU WLOO GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ %H VWlPPHOVHUQD L GHQ Q\D ODJHQ E|U JlOOD I|U DOOD I|UVlNULQJVGLVWULEXW|UHU

3nI|OMG YLG XWHEOLYHQ LQIRUPDWLRQ

3URPHPRULDQV I|UVODJ 0DUNQDGVI|ULQJVODJHQ VND lYHQ WLOOlPSDV RP HQ I|UVlNULQJVGLVWULEXW|U LQWH OlPQDU LQIRUPDWLRQ WLOO NXQGHQ L HQOLJKHW PHG ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

6NlOHQ I|U SURPHPRULDQV I|UVODJ (QOLJW ODJHQ RP I|UVlNULQJV

I|UPHGOLQJ NDS † VND PDUNQDGVI|ULQJVODJHQ WLOOlPSDV RP QlULQJV

LGNDUHQ LQWH OlPQDU LQIRUPDWLRQ L HQOLJKHW PHG ODJHQ 6nGDQ LQIRUPDWLRQ

VND DQVHV YDUD YlVHQWOLJ HQOLJW PDUNQDGVI|ULQJVODJHQ 1nJUD PRW

VYDUDQGH UHJOHU ILQQV LQWH L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

'HQ QlPQGD EHVWlPPHOVHQ L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ XWJ|U HWW

NRPSOHPHQW WLOO GH VDQNWLRQHU VRP )LQDQVLQVSHNWLRQHQ InU WLOOJULSD PRW

HQ I|UVlNULQJVI|UPHGODUH VRP nVLGRVlWWHU VLQD VN\OGLJKHWHU NDS

VDPPD ODJ 'HW I|UKnOODQGHW DWW PDUNQDGVI|ULQJVODJHQ lU WLOOlPSOLJ L HWW

YLVVW IDOO LQQHElU VnOHGHV LQWH QnJRW KLQGHU PRW DWW )LQDQVLQVSHNWLRQHQ

LQJULSHU PRW I|UPHGODUHQ PHG VW|G DY ODJHQ RP I|UVlNULQJVI|UPHGOLQJ

/LNQDQGH KlQYLVQLQJDU RP WLOOV\Q |YHU EHVWlPPHOVHU RP LQIRUPDWLRQ

ILQQV L IOHUD DQGUD ODJDU Sn ILQDQVPDUNQDGVRPUnGHW EO D ODJHQ RP

YlUGHSDSSHUVIRQGHU NDS † WUHGMH VW\FNHW RFK ODJHQ RP I|UYDOWDUH

DY DOWHUQDWLYD LQYHVWHULQJVIRQGHU NDS † WUHGMH VW\FNHW

opaginerad 'HW lU OlPSOLJW DWW GHW PDUNQDGVUlWWVOLJD VDQNWLRQVV\VWHPHW lYHQ L IRUW Kontrollera mot PDF

'HW lU OlPSOLJW DWW GHW PDUNQDGVUlWWVOLJD VDQNWLRQVV\VWHPHW lYHQ L IRUW

VlWWQLQJHQ NDQ WLOOlPSDV VRP HWW NRPSOHPHQW WLOO GH VlUVNLOGD VDQNWLRQHU VRP JlOOHU YLG |YHUWUlGHOVHU DY U|UHOVHUHJOHUQD MIU SURS V 'HQ QXYDUDQGH EHVWlPPHOVHQ L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ NDS † E|U GlUI|U I|UDV |YHU WLOO GHQ Q\D ODJHQ RP I|UVlNULQJV GLVWULEXWLRQ 0HG KlQV\Q WLOO WLOOlPSQLQJVRPUnGHW I|U GHQ Q\D ODJHQ E|U EHVWlPPHOVHQ RFNVn JlOOD I|UVlNULQJVGLVWULEXW|UHU VRP LQWH lU I|UVlN ULQJVI|UPHGODUH /\GHOVHQ E|U GHVVXWRP MXVWHUDV Vn DWW GHW DQJHV DWW lYHQ PDUNQDGVI|ULQJVODJHQ VND WLOOlPSDV MIU SURS V . 'lULJHQRP I|UW\GOLJDV DWW LQJULSDQGH HQOLJW PDUNQDGVI|ULQJVODJHQ XWJ|U HWW NRPSOHPHQW WLOO GH VDQNWLRQHU VRP )LQDQVLQVSHNWLRQHQ I|UHVOnV In WLOO JULSD PRW HQ I|UVlNULQJVGLVWULEXW|U HQOLJW GHQ Q\D ODJHQ VH DYVQLWW

<WWHUOLJDUH NUDY YLG GLVWULEXWLRQ DY

I|UVlNULQJVEDVHUDGH

LQYHVWHULQJVSURGXNWHU RFK YLVVD

SHQVLRQVI|UVlNULQJDU

,QOHGQLQJ

, DYVQLWW UHGRJ|UV I|U WLOOlPSQLQJVRPUnGHW I|U GHW Q\D UHJHOYHUNHW I|U I|UVlNULQJVGLVWULEXWLRQ RFK YLVVD JUlQVGUDJQLQJVIUnJRU L I|UKnOODQGH WLOO ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ 9LGDUH UHGRJ|UV I|U GH JUXQG OlJJDQGH UHJOHU VRP JlOOHU YLG I|UVlNULQJVGLVWULEXWLRQ DYVQLWW 'H UHJOHUQD KDU DQNQ\WQLQJ WLOO I|UHYDUDQGH DYVQLWW HIWHUVRP GH L I|UOlQJQLQJHQ V\IWDU WLOO DWW XSSUlWWKnOOD DOOPlQKHWHQV I|UWURHQGH I|U I|UVlNULQJVPDUNQDGHQ RFK VWlUND VN\GGHW I|U NXQGHU

, DYVQLWW ILQQV I|UVODJ WLOO \WWHUOLJDUH NUDY VRP VND JlOOD I|U I|UVlNULQJVGLVWULEXW|UHU QlU GH GLVWULEXHUDU I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU RFK SHQVLRQVI|UVlNULQJDU YDUV YlUGH lU H[SRQHUDW PRW PDUNQDGVYRODWLOLWHW 1nJUD PRWVYDUDQGH NUDY ILQQV YDUNHQ L I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW HOOHU L I|UVlNULQJVI|UPHGOLQJVODJHQ 3n YlUGHSDSSHUVPDUNQDGVRPUnGHW KDU GHW Q\OLJHQ I|UHVODJLWV UHYLGHUDGH RFK OLNQDQGH NUDY PHG DQOHGQLQJ DY JHQRPI|UDQGHW L VYHQVN UlWW DY 0L),' ,,

, I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW ILQQV PRWVYDULJKHWHU WLOO UHJOHUQD L

0L),' ,, Sn L KXYXGVDN I|OMDQGH RPUnGHQ

± )|UHE\JJDQGH DY LQWUHVVHNRQIOLNWHU DUWLNHO L GLUHNWLYHW RFK DUWLNHO

L 0L),' ,,

± +DQWHULQJ DY LQWUHVVHNRQIOLNWHU DUWLNHO L GLUHNWLYHW RFK DUWLNHO

L 0L),' ,,

± ,QIRUPDWLRQ WLOO NXQGHU RP LQWUHVVHNRQIOLNWHU DUWLNHO L GLUHNWLYHW

RFK DUWLNHO L 0L),' ,,

± ,QIRUPDWLRQ WLOO NXQGHU DUWLNHO L GLUHNWLYHW RFK DUWLNHO L

0L),' ,,

± (UVlWWQLQJDU IUnQ WUHGMHSDUW DUWLNHO L GLUHNWLYHW RFK DUWLNHO L

0L),' ,, RFK

opaginerad ± EHG|PQLQJ DY OlPSOLJKHW RFK lQGDPnOVHQOLJKHW RFK UDSSRUWHULQJ WLOO NXQGHU DUWLNHO L GLUHNWLYHW RFK DUWLNHO L 0L),' ,, Kontrollera mot PDF

± EHG|PQLQJ DY OlPSOLJKHW RFK lQGDPnOVHQOLJKHW RFK UDSSRUWHULQJ WLOO NXQGHU DUWLNHO L GLUHNWLYHW RFK DUWLNHO L 0L),' ,,

'H UHJOHUQD NRPSOHWWHUDV lYHQ DY HQ RPIDWWDQGH RFK P\FNHW GHWDOMHUDG UHJOHULQJ L GHOHJHUDGH DNWHU VRP DQWDV DY NRPPLVVLRQHQ DUWLNODUQD RFK L GLUHNWLYHW VDPW DUWLNODUQD RFK L 0L),' ,,

, GH I|OMDQGH DYVQLWWHQ ILQQV GHOV UHGRJ|UHOVHU I|U LQQHKnOOHW L RYDQ QlPQGD UHJOHU L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RFK 0L),' ,, GHOV I|UVODJ Sn KXU GH VND JHQRPI|UDV L VYHQVN UlWW $OOD KlQYLVQLQJDU WLOO ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ DYVHU O\GHOVHQ HQOLJW I|UVODJHQ L SURS 1\D UHJOHU RP PDUNQDGHU I|U ILQDQVLHOOD LQVWUXPHQW 0L),' ,, RFK 0L),5

.UDY YLG GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU

3URPHPRULDQV I|UVODJ +|JUH VWlOOGD NUDY VND JlOOD I|U I|UVlNULQJV GLVWULEXWLRQ VRP DYVHU GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWH ULQJVSURGXNWHU

6LGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH VND LQWH In GLVWULEXHUD VnGDQD I|UVlNULQJDU

6NlOHQ I|U SURPHPRULDQV I|UVODJ

Försäkringsdistributionsdirektivet

, I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW ILQQV \WWHUOLJDUH NUDY VRP JlOOHU QlU HQ I|UVlNULQJVI|UPHGODUH HOOHU HWW I|UVlNULQJVI|UHWDJ GLVWULEXHUDU I|UVlN ULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU NDSLWHO 9, DUWLNODUQD ± 5HJOHUQD PRWLYHUDV DY GHQ VHQDVWH WLGHQV XWYHFNOLQJ DY SURGXNWHU RFK WMlQVWHU Sn ILQDQVPDUNQDGHUQD RFK EHW\GHOVHQ DY DWW VlNHUVWlOOD HWW K|JW I|UWURHQGH RFK HIIHNWLYW NXQGVN\GG Sn DOOD ILQDQVLHOOD RPUnGHQ MIU VNlO WLOO GLUHNWLYHW )|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU HUEMXGV RIWD WLOO NXQGHU VRP P|MOLJD DOWHUQDWLY WLOO HOOHU VXEVWLWXW I|U GLUHNWD LQYHVWH ULQJDU L ILQDQVLHOOD LQVWUXPHQW )|U DWW XSSQn HWW HQKHWOLJW LQYHVWHUDUVN\GG RFK XQGYLND ULVNHQ I|U UHJHODUELWUDJH lU GHW YLNWLJW DWW I|UVlNULQJV EDVHUDGH LQYHVWHULQJVSURGXNWHU XW|YHU GH XSSI|UDQGHQRUPHU VRP JlOOHU I|U DOOD I|UVlNULQJVSURGXNWHU RPIDWWDV DY UHJOHU PHG VlUVNLOG LQULNWQLQJ Sn LQYHVWHULQJVLQVODJHW VNlO WLOO GLUHNWLYHW

Genomförande i svensk rätt

$Y SRUWDOEHVWlPPHOVHQ WLOO GHW NDSLWHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW VRP LQQHKnOOHU \WWHUOLJDUH NUDY YLG GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU I|OMHU DWW UHJOHUQD JlOOHU I|U I|UVlNULQJVI|UPHGODUH RFK I|UVlNULQJVI|UHWDJ NDSLWHO 9, DUWLNHO 'HQ WLOOlPSQLQJHQ RFK DYJUlQVQLQJHQ E|U JHQRPI|UDV L VYHQVN UlWW Sn L KXYXGVDN PRWVYDUDQGH VlWW L GHQ Q\D ODJHQ HQOLJW GHW VRP DQJHV L GHW I|OMDQGH

, DUWLNHO DQJHV GH NUDY VRP VWlOOV L NDSLWOHW JlOOD YLG I|UVlNULQJV

GLVWULEXWLRQ VRP EHGULYV L VDPEDQG PHG försäljning DY I|UVlNULQJV

opaginerad )|UHE\JJDQGH LGHQWLILHULQJ RFK KDQWHULQJ DY LQWUHVVHNRQIOLNWHU Kontrollera mot PDF

EDVHUDGH LQYHVWHULQJVSURGXNWHU $WW GHVVD UHJOHU WLOOlPSDV L I|UKnOODQGH WLOO DOOD GHODU DY GLVWULEXWLRQVNHGMDQ lU HPHOOHUWLG Q|GYlQGLJW I|U DWW HIIHNWLYW KDQWHUD GH LQWUHVVHNRQIOLNWHU VRP I|UHNRPPHU Sn I|UVlN ULQJVPDUNQDGHQ )|U DWW GHW VND JlOOD E|U GHW L GHQ Q\D ODJHQ RP

I|UVlNULQJVGLVWULEXWLRQ DQJHV DWW GH \WWHUOLJDUH NUDYHQ VND JlOOD QlU försäkringsdistribution DYVHU I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU 'HW LQQHElU DWW NUDYHQ JlOOHU YLG DOO GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU RFK DWW WLOOlPSQLQJVRPUnGHW GlUPHG E|U YDUD QnJRW YLGDUH lQ GHW VRP HQOLJW RUGDO\GHOVHQ JlOOHU HQOLJW GLUHNWLYHW

$UWLNHO L GLUHNWLYHW LQQHKnOOHU YLGDUH YDG VRP InU DQVHV YDUD HWW LQGLUHNW I|UEXG PRW DWW VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH GLVWULEXHUDU I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU MIU DUWLNHO RFK L I|UKnOODQGH WLOO (WW VnGDQW I|UEXG E|U lYHQ NRPPD WLOO XWWU\FN L GHQ Q\D ODJHQ 0RWLYHW WLOO GHW lU I|UXWRP GH NUDY VRP GLUHNWLYHW LQQHElU Sn GHVV JHQRPI|UDQGH DWW I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU NDQ YDUD EnGH NRPSOH[D RFK LQQHElUD ULVNHU I|U NXQGHQ 6DPWLGLJW lU VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH I|UHPnO I|U YLVVD DQSDVVDGH NUDY EO D DYVHHQGH NXQVNDS RFK NRPSHWHQV $Y GHWWD I|OMHU YLGDUH DWW HQGDVW I|UVlNULQJVGLVWULEXW|UHU VRP XSSI\OOHU GH K|JVW VWlOOGD NUDYHQ XQGHU UHJHOYHUNHW E|U In GLVWULEXHUD VnGDQD I|UVlNULQJDU

)|UHE\JJDQGH LGHQWLILHULQJ RFK KDQWHULQJ DY LQWUHVVHNRQIOLNWHU

)|UHE\JJDQGH DY LQWUHVVHNRQIOLNWHU

3URPHPRULDQV I|UVODJ (Q I|UVlNULQJVGLVWULEXW|U VND IDVWVWlOOD RFK WLOOlPSD HIIHNWLYD RUJDQLVDWRULVND RFK DGPLQLVWUDWLYD I|UIDUDQGHQ Vn DWW DOOD ULPOLJD nWJlUGHU YLGWDV I|U DWW I|UKLQGUD DWW NXQGHUQDV LQWUHVVHQ SnYHUNDV QHJDWLYW DY LQWUHVVHNRQIOLNWHU

6NlOHQ I|U SURPHPRULDQV I|UVODJ

Försäkringsdistributionsdirektivet

(QOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW VND HQ I|UVlNULQJVI|UPHGODUH

HOOHU HWW I|UVlNULQJVI|UHWDJ VRP XWI|U GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH

LQYHVWHULQJVSURGXNWHU IDVWVWlOOD RFK WLOOlPSD HIIHNWLYD RUJDQLVDWRULVND

RFK DGPLQLVWUDWLYD I|UIDUDQGHQ Vn DWW DOOD ULPOLJD PnWW RFK VWHJ YLGWDV I|U

DWW I|UKLQGUD DWW GHUDV NXQGHUV LQWUHVVHQ SnYHUNDV QHJDWLYW DY LQWUHVVH

NRQIOLNWHU DUWLNHO I|UVWD PHQLQJHQ

Genomförande i svensk rätt

'H UHGRYLVDGH UHJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW PRWVYDUDU L KXYXGVDN UHJOHU VRP ILQQV L 0L),' ,, DUWLNHO 'H UHJOHUQD L 0L),' ,, JHQRPI|UV L VYHQVN UlWW L HQ EHVWlPPHOVH L ODJHQ RP YlUGH SDSSHUVPDUNQDGHQ NDS † 3n PRWVYDUDQGH VlWW E|U UHJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW JHQRPI|UDV L HQ EHVWlPPHOVH L GHQ Q\D

ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ *HQRP HQKHWOLJD EHVWlPPHOVHU L GH

opaginerad Systemen för att förebygga intressekonflikter ska vara proportionerliga Kontrollera mot PDF

EnGD ODJDUQD NDQ PDQ XQGYLND RPRWLYHUDGH E|UGRU L IRUP DY UHJHOVNLOOQDGHU I|U GH DNW|UHU VRP WLOOKDQGDKnOOHU EnGH I|UVlNULQJV GLVWULEXWLRQ RFK LQYHVWHULQJVWMlQVWHU 'HW lU lYHQ YLNWLJW I|U DWW XSSQn PnOHW PHG HQ HQKHWOLJ VSHOSODQ RFK NRQNXUUHQVQHXWUDOLWHW I|U OLNQDQGH YHUNVDPKHWHU

Systemen för att förebygga intressekonflikter ska vara proportionerliga

'H V\VWHP VRP HWW I|UVlNULQJVI|UHWDJ HOOHU HQ I|UVlNULQJVI|UPHGODUH VND IDVWVWlOOD RFK WLOOlPSD I|U DWW I|UHE\JJD LQWUHVVHNRQIOLNWHU VND HQOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW YDUD SURSRUWLRQHUOLJD L I|UKnOODQGH WLOO GHQ YHUNVDPKHW VRP EHGULYV GH I|UVlNULQJVSURGXNWHU VRP VlOMV RFK DUWHQ DY GLVWULEXW|U DUWLNHO DQGUD PHQLQJHQ 'HW LQQHElU L DOOPlQKHW DWW K|JUH VWlOOGD NUDY VWlOOV Sn YHUNVDPKHWHU RFK SURGXNWHU GlU ULVNHQ I|U LQWUHVVHNRQIOLNWHU lU VW|UUH 6lUVNLOW K|JD NUDY E|U W H[ VWlOODV RP YHUNVDPKHWHQ lU RPIDWWDQGH HOOHU L K|J JUDG ILQDQVLHUDV JHQRP WUHGMH SDUWVHUVlWWQLQJDU SHUVRQDOHQ HUVlWWV PHG SURYLVLRQ HOOHU GH I|UVlNULQJV EDVHUDGH LQYHVWHULQJVSURGXNWHUQD lU DY VlUVNLOW NRPSOLFHUDG DUW 'HW NDQ Sn PRWVYDUDQGH VlWW ILQQDV VNlO DWW VWlOOD QnJRW OlJUH NUDY YLG HQGDVW GLVWULEXWLRQ DY WUDGLWLRQHOOW I|UYDOWDGH I|UVlNULQJDU lQ VnGDQ VRP lYHQ RPIDWWDU IRQG HOOHU GHSnI|UVlNULQJDU 'HW DQI|UGD E|U NRPPD WLOO XWWU\FN

L GHQ RYDQ QlPQGD EHVWlPPHOVHQ L GHQ Q\D ODJHQ RP I|UVlNULQJV GLVWULEXWLRQ JHQRP DWW GHW L GHQ DQJHV DWW DOOD rimliga nWJlUGHU VND YLGWDV

I|U DWW I|UKLQGUD DWW NXQGHUQDV LQWUHVVHQ SnYHUNDV QHJDWLYW DY LQWUHVVHNRQIOLNWHU

Försäkringsdistributörer som erbjuder eller tar emot ersättning enligt olika regelverk

1lU GHW JlOOHU GH RUJDQLVDWRULVND RFK DGPLQLVWUDWLYD I|UIDUDQGHQDV I|U KnOODQGH WLOO WUHGMHSDUWVHUVlWWQLQJDU J|UV I|OMDQGH EHG|PQLQJ )|UVlN ULQJVGLVWULEXW|UHU E|U KD HQ VnGDQ RUJDQLVDWLRQ RFK VnGDQD DUUDQJHPDQJ IDVWVWlOOGD VRP VlNHUVWlOOHU DWW YHUNVDPKHW GlU HUVlWWQLQJDU IUnQ WUHGMHSDUW lU WLOOnWQD HOOHU lU I|UHPnO I|U PLQGUH VWUlQJD UHJOHU LQWH EODQGDV VDPPDQ PHG YHUNVDPKHW GlU HUVlWWQLQJDU IUnQ WUHGMHSDUW lU I|UEMXGQD HOOHU PHU EHJUlQVDGH , DQQDW IDOO ULVNHUDU NXQGVN\GGHW DWW EOL GHOYLV LOOXVRULVNW HIWHUVRP HUVlWWQLQJDU IUnQ ROLND YHUNVDPKHWHU NDQ VDPPDQEODQGDV RFK GlUPHG WDV HPRW WURWV DWW GHWWD NDQ YDUD I|UEMXGHW YLONHW JLYHWYLV LQWH lU L NXQGHQV ElVWD LQWUHVVH (WW H[HPSHO Sn GHWWD NDQ YDUD QlU HQ I|UVlNULQJV GLVWULEXW|U WLOOKDQGDKnOOHU EnGH UnGJLYQLQJ Sn JUXQGYDO DY HQ RSDUWLVN RFK SHUVRQOLJ DQDO\V RFK VnGDQ VRP LQWH lU GHW

9LGDUH lJQDU VLJ PnQJD GLVWULEXW|UHU nW EnGH I|UVlNULQJVGLVWULEXWLRQ RFK LQYHVWHULQJVWMlQVWHU VH DYVQLWW )|U VnGDQD WMlQVWHU JlOOHU GHOYLV ROLND EHJUlQVQLQJDU DYVHHQGH EO D WUHGMHSDUWVHUVlWWQLQJDU )|UVlNULQJV GLVWULEXW|UHU E|U GlUI|U KD VnGDQ NRQWUROO |YHU VLQD WMlQVWHU RFK YHUN VDPKHW L |YULJW DWW GHQ EHK|ULJD P\QGLJKHWHQ VND NXQQD XWI|UD VLQD WLOOV\QVXSSJLIWHU .UDYHW DWW HQ I|UVlNULQJVGLVWULEXW|U VND IDVWVWlOOD RFK WLOOlPSD HIIHNWLYD RUJDQLVDWRULVND RFK DGPLQLVWUDWLYD I|UIDUDQGHQ Vn DWW DOOD ULPOLJD nWJlUGHU YLGWDV I|U DWW I|UKLQGUD DWW NXQGHUQDV LQWUHVVHQ SnYHUNDV QHJDWLYW DY LQWUHVVHNRQIOLNWHU E|U VnOHGHV LQQHElUD lYHQ DWW GLVWULEXW|UHQ VND VlNHUVWlOOD DWW YHUNVDPKHW GlU HUVlWWQLQJDU IUnQ WUHGMH

opaginerad SDUW lU WLOOnWQD LQWH EODQGDV VDPPDQ PHG YHUNVDPKHW GlU VnGDQD HUVlWWQLQJDU lU I|UEMXGQD Kontrollera mot PDF

SDUW lU WLOOnWQD LQWH EODQGDV VDPPDQ PHG YHUNVDPKHW GlU VnGDQD HUVlWWQLQJDU lU I|UEMXGQD

9LGDUH E|U YHUNVDPKHWHQ RFNVn GRNXPHQWHUDV DY GLVWULEXW|UHQ Sn HWW VnGDQW VlWW DWW LQWHUQ NRQWUROO P|MOLJJ|UV RFK DWW )LQDQVLQVSHNWLRQHQ L HIWHUKDQG NDQ NRQWUROOHUD DWW UHJOHUQD I|OMWV (Q I|UVlNULQJVGLVWULEXW|U E|U VnOHGHV Sn IUnJD IUnQ )LQDQVLQVSHNWLRQHQ NXQQD YLVD XSS GRNXPHQWDWLRQ DY YLOND nWJlUGHU VRP KDU YLGWDJLWV I|U DWW VlUVNLOMD YHUNVDPKHW VRP lU ILQDQVLHUDG JHQRP WUHGMHSDUWVHUVlWWQLQJDU IUnQ VnGDQ YHUNVDPKHW GlU HUVlWWQLQJDU IUnQ WUHGMHSDUW lU I|UEMXGQD 'HWWD E|U DOOWVn lYHQ RPIDWWD GRNXPHQWDWLRQ DY KXU GLVWULEXW|UHQ KDU VlNHUVWlOOW DWW WUDQVDNWLRQHU L GHQ YHUNVDPKHW GlU HUVlWWQLQJDU IUnQ WUHGMHSDUW lU I|UEMXGQD LQWH LQJnU EODQG GH WUDQVDNWLRQHU VRP OLJJHU WLOO JUXQG I|U HUVlWWQLQJVEHUlNQLQJHQ

,GHQWLILHULQJ RFK KDQWHULQJ DY LQWUHVVHNRQIOLNWHU

3URPHPRULDQV I|UVODJ (Q I|UVlNULQJVGLVWULEXW|U VND YLGWD DOOD

OlPSOLJD nWJlUGHU I|U DWW LGHQWLILHUD I|UKLQGUD RFK KDQWHUD LQWUHVVH

NRQIOLNWHU

2P GH I|UIDUDQGHQ VRP HQ I|UVlNULQJVGLVWULEXW|U KDU IDVWVWlOOW RFK

WLOOlPSDU I|U DWW I|UHE\JJD LQWUHVVHNRQIOLNWHU LQWH UlFNHU I|U DWW

I|UKLQGUD DWW NXQGHQV LQWUHVVHQ NDQ NRPPD DWW SnYHUNDV QHJDWLYW VND

NXQGHQ LQIRUPHUDV RP DUWHQ HOOHU NlOODQ WLOO LQWUHVVHNRQIOLNWHQ L JRG

WLG LQQDQ HWW I|UVlNULQJVDYWDO LQJnV ,QIRUPDWLRQHQ VND OlPQDV Sn HWW

YDUDNWLJW PHGLXP RFK YDUD WLOOUlFNOLJW W\GOLJ RFK GHWDOMHUDG I|U DWW

NXQGHQ VND NXQQD IDWWD HWW YlOJUXQGDW EHVOXW

6NlOHQ I|U SURPHPRULDQV I|UVODJ

Försäkringsdistributionsdirektivet

(QOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO VND HQ I|UVlNULQJV I|UPHGODUH HOOHU HWW I|UVlNULQJVI|UHWDJ VRP XWI|U GLVWULEXWLRQ DY I|UVlN ULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU YLGWD DOOD OlPSOLJD nWJlUGHU I|U DWW LGHQWLILHUD LQWUHVVHNRQIOLNWHU 0HG LQWUHVVHNRQIOLNWHU DYVHV GHOV VnGDQD NRQIOLNWHU PHOODQ I|UHWDJHW VMlOYW ± LQEHJULSHW OHGQLQJ RFK SHUVRQDO P IO

± RFK NXQGHU GHOV VnGDQD NRQIOLNWHU PHOODQ ROLND NXQGHU DUWLNHO 'HWWD InU DQVHV LQNOXGHUD lYHQ GH LQWUHVVHNRQIOLNWHU VRP RUVDNDV DY DWW I|UVlNULQJVGLVWULEXW|UHQ WDU HPRW HUVlWWQLQJDU IUnQ WUHGMHSDUW GLVWULEXW|UHQV HJHW HUVlWWQLQJVV\VWHP HOOHU DQGUD LQFLWDPHQWVVWUXNWXUHU 2P GH RUJDQLVDWRULVND RFK DGPLQLVWUDWLYD I|UIDUDQGHQ VRP I|UVlNULQJV GLVWULEXW|UHQ LQI|UW RFK WLOOlPSDU LQWH UlFNHU I|U DWW ULPOLJHQ I|UKLQGUD ULVNHQ I|U DWW NXQGHQV LQWUHVVHQ SnYHUNDV QHJDWLYW VND I|UHWDJHW NODUW RFK W\GOLJW LQIRUPHUD NXQGHQ RP LQWUHVVHNRQIOLNWHUQDV DOOPlQQD NDUDNWlU HOOHU XUVSUXQJ L JRG WLG LQQDQ HWW I|UVlNULQJVDYWDO LQJnV DUWLNHO ,QIRUPDWLRQHQ VND OlPQDV Sn HWW YDUDNWLJW PHGLXP RFK YDUD WLOOUlFNOLJW W\GOLJ RFK GHWDOMHUDG PHG KlQV\Q WLOO NXQGHQV DUW I|U DWW NXQGHQ VND NXQQD IDWWD HWW YlOJUXQGDW EHVOXW QlU GHW JlOOHU GHQ I|UVlNULQJV GLVWULEXWLRQVYHUNVDPKHW GlU LQWUHVVHNRQIOLNWHQ XSSVWnU DUWLNHO

opaginerad Genomförande i svensk rätt Kontrollera mot PDF

Genomförande i svensk rätt

'H UHGRYLVDGH UHJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW PRWVYDUDU L KXYXGVDN UHJOHU VRP ILQQV L 0L),' ,, DUWLNHO 'H UHJOHUQD JHQRP I|UV L VYHQVN UlWW L EHVWlPPHOVHU L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ NDS † 3n PRWVYDUDQGH VlWW E|U UHJOHUQD RP LGHQWLILHULQJ RFK KDQWHULQJ DY LQWUHVVHNRQIOLNWHU L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW JHQRPI|UDV L EHVWlPPHOVHU L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ VH DYVQLWW RP HQKHWOLJD EHVWlPPHOVHU L GH EnGD ODJDUQD 'H GHWDOMHUDGH UHJOHU VRP NRPPHU DWW DQJHV L GHOHJHUDGH DNWHU VRP DQWDV DY NRPPLVVLRQHQ E|U XQGHU I|UXWVlWWQLQJ DWW GH DQWDV L IRUP DY GLUHNWLY JHQRPI|UDV JHQRP P\QGLJKHWVI|UHVNULIWHU VH DYVQLWW

6RP QlPQV RYDQ LQQHElU GH nWJlUGHU VRP O|SDQGH VND YLGWDV L YHUNVDPKHWHQ DWW GH DNW|UHU VRP GLVWULEXHUDU I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU VND LGHQWLILHUD VDPW LQIRUPHUD RP GH HYHQWXHOOD LQWUHVVHNRQIOLNWHU VRP XSSVWnWW L YHUNVDPKHWHQ WURWV GH V\VWHP VRP LQI|UWV I|U DWW I|UHE\JJD RFK I|UKLQGUD XSSNRPVWHQ DY GHVDPPD 2P LQWUHVVHNRQIOLNWHU LGHQWLILHUDV I|UHIDOOHU GHW HPHOOHUWLG QDWXUOLJW DWW I|UVlNULQJVGLVWULEXW|UHQ L I|UVWD KDQG I|UKLQGUDU DWW GHVVD ULVNHUDU DWW VNDGD NXQGHUQDV LQWUHVVHQ 'HW LQQHElU GRFN HQ VN\OGLJKHW VRP LQWH XWWU\FNOLJHQ IUDPJnU DY RUGDO\GHOVHQ DY GHQ EHVWlPPHOVHQ L GLUHNWLYHW DUWLNHO 'RFN PRWVYDUDV GHWWD DY YDG VRP JlOOHU HQOLJW GHQ RYDQ QlPQGD EHVWlPPHOVHQ L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ NDS † YLONHQ JHQRPI|U 0L),' ,, L QX DNWXHOOW KlQVHHQGH DUWLNHO 6nOHGHV E|U JlOOD DWW I|UVW RP GH nWJlUGHUQD LQWH UlFNHU WLOO I|U DWW I|UKLQGUD ULVNHUQD I|U DWW NXQGHUQDV LQWUHVVHQ VNDGDV E|U NXQGHQ NODUW RFK W\GOLJW LQIRUPHUDV RP GH LGHQWLILHUDGH LQWUHVVHNRQIOLNWHUQDV DOOPlQQD NDUDNWlU HOOHU XUVSUXQJ

9LGDUH E|U NUHWVHQ DY SHUVRQHU VRP VND WDV PHG L EHG|PQLQJHQ DYVHHQGH LQWUHVVHNRQIOLNWHU J|UDV YLG 'HW ILQQV LQJHQ DQOHGQLQJ DWW OlPQD YLVVD SHUVRQHU XWDQI|U GHQQD EHG|PQLQJ RP GHUDV LQWUHVVHQ NDQ ULVNHUD DWW KDPQD L NRQIOLNW PHG NXQGHQV , GLUHNWLYHW DQYlQGV XWWU\FNHW ´NRSSOLQJ > @ JHQRP NRQWUROO´ YLONHW VNXOOH NXQQD OHGD WLOO RNODUKHWHU L GHW DYVHHQGHW DUWLNHO 'HW NDQ GRFN NRQVWDWHUDV DWW lYHQ VnGDQD SHUVRQHU E|U RPIDWWDV

, |YULJW KlQYLVDV WLOO GH |YHUYlJDQGHQ VRP UHJHULQJHQ JMRUGH PHG DQOHGQLQJ DY JHQRPI|UDQGHW L VYHQVN UlWW DY 0L),' ,, SURS V ±

,QIRUPDWLRQ WLOO NXQGHU RP

I|UVlNULQJVGLVWULEXWLRQHQ RFK GH

I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHUQD

3URPHPRULDQV I|UVODJ .XQGHU VND L JRG WLG LQQDQ HWW DYWDO LQJnV I|UVHV PHG OlPSOLJ RFK OlWWEHJULSOLJ LQIRUPDWLRQ DYVHHQGH I|UVlN ULQJVGLVWULEXWLRQHQ RFK GH I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNW HUQD ,QIRUPDWLRQHQ VND EO D RPIDWWD OlPSOLJ LQIRUPDWLRQ DYVHHQGH DOOD NRVWQDGHU RFK WLOOK|UDQGH DYJLIWHU

opaginerad OlPQDV Kontrollera mot PDF

,QIRUPDWLRQHQ VND JH NXQGHQ ULPOLJD P|MOLJKHWHU DWW I|UVWn DUWHQ DY

RFK YLOND ULVNHU VRP lU I|UNQLSSDGH PHG GHQ I|UVlNULQJVGLVWULEXWLRQ

RFK GH I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU VRP HUEMXGV

1lU UnGJLYQLQJ WLOOKDQGDKnOOV VND LQIRUPDWLRQHQ WLOO NXQGHQ lYHQ

RPIDWWD QlUPDUH LQIRUPDWLRQ RP Sn YLOND JUXQGYDO UnGJLYQLQJHQ

OlPQDV

6NlOHQ I|U SURPHPRULDQV I|UVODJ

Reglerna i försäkringsdistributionsdirektivet

(QOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO VND HQ I|UVlNULQJV I|UPHGODUH HOOHU HWW I|UVlNULQJVI|UHWDJ VRP XWI|U GLVWULEXWLRQ DY I|UVlN ULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU L JRG WLG LQQDQ HWW DYWDO LQJnV WLOO KDQGDKnOOD NXQGHU OlPSOLJ LQIRUPDWLRQ DYVHHQGH GLVWULEXWLRQHQ DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU VDPW DYVHHQGH DOOD NRVWQDGHU RFK WLOOK|UDQGH DYJLIWHU DUWLNHO I|UVWD VW\FNHW RFK VNlO WLOO GLUHN WLYHW

,QIRUPDWLRQHQ VND nWPLQVWRQH RPIDWWD I|OMDQGH DUWLNHO I|UVWD VW\FNHW

± 1lU UnGJLYQLQJ OlPQDV KXUXYLGD I|UVlNULQJVI|UPHGODUHQ HOOHU I|UVlNULQJVI|UHWDJHW NRPPHU DWW JH NXQGHQ HQ UHJHOEXQGHQ EHG|PQLQJ DY OlPSOLJKHWHQ KRV GHQ I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHQ VRP GHW UHNRPPHQGHUDU GHQ NXQGHQ

± 1lU GHW JlOOHU LQIRUPDWLRQ RP I|UVlNULQJVEDVHUDGH LQYHVWHULQJV SURGXNWHU RFK I|UHVODJQD SODFHULQJVVWUDWHJLHU OlPSOLJ YlJOHGQLQJ RP RFK YDUQLQJDU I|U GH ULVNHU VRP lU I|UNQLSSDGH PHG LQYHVWHULQJDU L GH I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHUQD HOOHU VlUVNLOGD I|UHVODJQD SODFHULQJVVWUDWHJLHU

± 1lU GHW JlOOHU LQIRUPDWLRQHQ RP VDPWOLJD NRVWQDGHU RFK WLOOK|UDQGH DYJLIWHU VRP VND OlPQDV LQIRUPDWLRQ RP GLVWULEXWLRQHQ DY GHQ I|UVlN ULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHQ LQEHJULSHW HYHQWXHOO NRVWQDG I|U UnGJLYQLQJ NRVWQDGHQ I|U GHQ I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNW VRP UHNRPPHQGHUDV HOOHU PDUNQDGVI|UV WLOO NXQGHQ RFK LQIRUPDWLRQ RP KXU NXQGHQ InU EHWDOD I|U GHQ LQEHJULSHW HYHQWXHOOD WUHGMHSDUWV EHWDOQLQJDU

,QIRUPDWLRQHQ RP DOOD NRVWQDGHU RFK DYJLIWHU LQEHJULSHW NRVWQDGHU RFK DYJLIWHU VRP KDU VDPEDQG PHG GLVWULEXWLRQHQ DY GHQ I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHQ VRP LQWH RUVDNDV DY I|UHNRPVWHQ DY XQGHU OLJJDQGH PDUNQDGVULVN VND UlNQDV VDPPDQ Vn DWW NXQGHQ NDQ I|UVWn GHQ WRWDOD NRVWQDGHQ OLNVRP GHQ NXPXODWLYD YHUNDQ Sn LQYHVWHULQJHQV DYNDVW QLQJ RFK QlU NXQGHQ Vn EHJlU VND HQ XSSGHOQLQJ DY NRVWQDGHUQD RFK DYJLIWHUQD SHU SRVW JHV 6nGDQ LQIRUPDWLRQ VND L I|UHNRPPDQGH IDOO JHV WLOO NXQGHQ UHJHOEXQGHW RFK nWPLQVWRQH nUOLJHQ XQGHU LQYHVWHULQJHQV KHOD OLYVF\NHO DUWLNHO DQGUD VW\FNHW

,QIRUPDWLRQ VND WLOOKDQGDKnOODV L EHJULSOLJ IRUP Sn HWW VnGDQW VlWW DWW NXQGHU KDU ULPOLJ P|MOLJKHW DWW I|UVWn DUWHQ DY RFK GHQ ULVN VRP lU I|U NQLSSDG PHG GHQ I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNW VRP HUEMXGV RFK GlULJHQRP lU YlO LQIRUPHUDGH LQI|U LQYHVWHULQJVEHVOXWHW DUWLNHO WUHGMH VW\FNHW

opaginerad Genomförande i svensk rätt Kontrollera mot PDF

Genomförande i svensk rätt

'H UHGRYLVDGH UHJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW PRWVYDUDU L KXYXGVDN UHJOHU VRP ILQQV L 0L),' ,, DUWLNHO 'H UHJOHUQD JHQRP I|UV L VYHQVN UlWW L EHVWlPPHOVHU L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ NDS RFK †† 3n PRWVYDUDQGH VlWW E|U UHJOHUQD RP LQIRUPDWLRQ L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW JHQRPI|UDV L EHVWlP PHOVHU L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ VH DYVQLWW RP HQKHWOLJD EHVWlPPHOVHU L GH EnGD ODJDUQD

'H NUDY Sn WUDQVSDUHQV VRP UHJOHUQD JHU XWWU\FN I|U lU DY FHQWUDO EHW\GHOVH I|U NXQGVN\GGHW 'H EHG|PV GRFN LQWH HQVDPW NXQQD nWJlUGD GH SUREOHP VRP ILQQV Sn PDUNQDGHQ I|U I|UVlNULQJVGLVWULEXWLRQ VH DYVQLWW 9lOLQIRUPHUDGH NXQGHU lU HPHOOHUWLG HQ I|UXWVlWWQLQJ I|U DWW L DOOPlQKHW |ND PHGYHWHQKHWHQ RFK Sn Vn VlWW PLQVND I|UVlNULQJV GLVWULEXW|UHUV NXQVNDSV|YHUOlJH YLONHW L I|UOlQJQLQJHQ EHG|PV ELGUD WLOO DWW PLQVND I|UHNRPVWHQ DY ROlPSOLJ I|UVlNULQJVGLVWULEXWLRQ 7LOOVDPPDQV PHG GH DQGUD NUDY RFK EHJUlQVQLQJDU VRP QX I|UHVOnV LQQHElU GHWWD HQ EHW\GDQGH K|MQLQJ QlU GHW JlOOHU NXQGVN\GG

, |YULJW KlQYLVDV WLOO GH |YHUYlJDQGHQ VRP UHJHULQJHQ JMRUGH PHG DQOHGQLQJ DY JHQRPI|UDQGHW L VYHQVN UlWW DY 0L),' ,, SURS V ±

%HJUlQVQLQJDU RFK I|UEXG DYVHHQGH HUVlWWQLQJDU WLOO HOOHU IUnQ WUHGMHSDUW

%HJUlQVQLQJDU DYVHHQGH WUHGMHSDUWVHUVlWWQLQJDU

3URPHPRULDQV I|UVODJ (Q I|UVlNULQJVGLVWULEXW|U InU L VDPEDQG PHG GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU EDUD HUEMXGD HOOHU WD HPRW HUVlWWQLQJ IUnQ QnJRQ DQQDQ lQ NXQGHQ RP HUVlWWQLQJHQ LQWH KDU QnJRQ QHJDWLY LQYHUNDQ Sn GHQ GLVWULEXHUDGH SURGXNWHQ RFK GHQ LQWH I|UVlPUDU I|UXWVlWWQLQJDUQD DWW XSSI\OOD VN\OGLJKHWHUQD DWW DJHUD KHGHUOLJW UlWWYLVW RFK SURIHVVLRQHOOW L HQOLJKHW PHG NXQGHQV ElVWD LQWUHVVH

6NlOHQ I|U SURPHPRULDQV I|UVODJ

Försäkringsdistributionsdirektivet

, I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW ILQQV VlUVNLOGD UHJOHU RP WUHGMHSDUWV HUVlWWQLQJDU YLG GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJV SURGXNWHU DUWLNHO 'H NUDYHQ LQQHElU DWW HQ I|UVlNULQJVI|UPHGODUH HOOHU HWW I|UVlNULQJVI|UHWDJ VND DQVHV IXOOJ|UD VLQD VN\OGLJKHWHU QlU GH EHWDODU HOOHU WDU HPRW WUHGMHSDUWVHUVlWWQLQJ HQGDVW Gn EHWDOQLQJHQ HOOHU I|UPnQHQ LQWH KDU QnJRQ QHJDWLY LQYHUNDQ Sn NYDOLWHWHQ Sn GHQ UHOHYDQWD WMlQVWHQ WLOO NXQGHQ RFK LQWH I|UVlPUDU I|UVlNULQJVI|UPHGODUHQV HOOHU I|UVlNULQJVI|UHWDJHWV I|UXWVlWWQLQJDU DWW IXOOJ|UD VLQD VN\OGLJKHWHU DWW DJHUD KHGHUOLJW UlWWYLVW RFK SURIHVVLRQHOOW L HQOLJKHW PHG VLQD NXQGHUV ElVWD LQWUHVVH

opaginerad 8W|YHU GHVVD UHJOHU ILQQV GHW L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW lYHQ Kontrollera mot PDF

8W|YHU GHVVD UHJOHU ILQQV GHW L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW lYHQ

JHQHUHOOD UHJOHU DYVHHQGH HUVlWWQLQJDU IUnQ WUHGMHSDUW VRP JlOOHU YLG DOO IRUP DY I|UVlNULQJVGLVWULEXWLRQ RFK RPIDWWDU VDPWOLJD I|UVlNULQJVSUR GXNWHU DUWLNHO 'H JHQHUHOOD UHJOHUQD LQQHElU DWW HQ I|UVlNULQJV GLVWULEXW|U LQWH InU WD HPRW HUVlWWQLQJ VRP VWnU L VWULG PHG VN\OGLJKHWHQ DWW DJHUD L HQOLJKHW PHG NXQGHUQDV ElVWD LQWUHVVH VH DYVQLWW

5HJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RP WUHGMHSDUWVHUVlWWQLQJDU YLG GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU lU XWIRUP DGH HIWHU I|UHELOG DY PRWVYDUDQGH UHJOHU 0L),' ,, DUWLNHO 'H UHJ OHUQD L 0L),' ,, lU GRFN QnJRW VWUlQJDUH lQ GHP L I|UVlNULQJVGLVWULEX WLRQVGLUHNWLYHW HIWHUVRP GH EO D VWlOOHU XSS NUDY Sn DWW HUVlWWQLQJDU IUnQ QnJRQ DQQDQ lQ NXQGHQ L SULQFLS HQGDVW lU WLOOnWHQ RP GHQ lU XWIRUPDG I|U DWW K|MD NYDOLWHWHQ Sn WMlQVWHQ 'HVVD UHJOHU L 0L),' ,, JHQRPI|UV L VYHQVN UlWW L EHVWlPPHOVHU L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ NDS †

Genomförande i svensk rätt

'HW NDQ LQOHGQLQJVYLV QRWHUDV DWW GHW ILQQV EHW\GDQGH XWPDQLQJDU Sn PDUNQDGHQ I|U I|UVlNULQJVGLVWULEXWLRQ QlU GHW JlOOHU LQWUHVVHNRQIOLNWHU NRSSODGH WLOO WUHGMHSDUWVHUVlWWQLQJDU 1lU YLVVD I|UVlNULQJVSURGXNWHU RFK WLOO GHP NRSSODGH ILQDQVLHOOD LQVWUXPHQW JHQHUHUDU K|JUH SURYLVLRQHU lQ DQGUD XSSVWnU HNRQRPLVND LQFLWDPHQW DWW ULNWD GLVWULEXWLRQHQ XWLIUnQ SURYLVLRQHQV VWRUOHN VQDUDUH lQ XWLIUnQ YDG VRP lU ElVW I|U NXQGHQ

)LQDQVLQVSHNWLRQHQ KDU L GHW VDPPDQKDQJHW YLG IOHUD WLOOIlOOHQ IUDP KnOOLW SUREOHP KlQI|UOLJD WLOO I|UVlNULQJVI|UPHGOLQJ L VDPEDQG PHG UnG JLYQLQJ NRSSODG WLOO I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU (Q PHU GMXSJnHQGH UHGRJ|UHOVH I|U GHVVD SUREOHP L DQVOXWQLQJ WLOO WUHGMHSDUWV HUVlWWQLQJDU YLG ILQDQVLHOO UnGJLYQLQJ ILQQV L SURS VH V ± , )LQDQVLQVSHNWLRQHQV UDSSRUW ´(WW Q|GYlQGLJW VWHJ I|U HQ ElWWUH VSDUDQGHPDUNQDG´ GHQ IHEUXDUL NRQVWDWHUDV EO D DWW GHQ VW|UVWD GHOHQ DY GH WRWDOD SURYLVLRQVXWEHWDOQLQJDUQD WLOO I|UVlNULQJV I|UPHGODUH RFK YlUGHSDSSHUVERODJ I|U ILQDQVLHOOD SURGXNWHU ± LQRP HOOHU XWDQI|U I|UVlNULQJVO|VQLQJDU ± NRPPHU IUnQ I|UVlOMQLQJ DY SURGXNWHU GlU SURYLVLRQHU RIWD XWJnU L VDPEDQG PHG WHFNQDQGH DY SURGXNWHQ RFK LQWH IRUWO|SDQGH XQGHU SURGXNWHQV O|SWLG (QOLJW )LQDQVLQVSHNWLRQHQ KDU GHW L WLOOV\QHQ O|SDQGH LDNWWDJLWV H[HPSHO Sn UnGJLYQLQJ VRP GULYV DY GH SURYLVLRQHU VRP UnGJLYDUHQ HOOHU I|UVlNULQJVI|UPHGODUHQ WDU HPRW VQDUDUH lQ YDG VRP lU ElVW I|U NRQVXPHQWHQ 'HW ILQQV VnOHGHV DQOHGQLQJ DWW L OLNKHW PHG EO D )LQDQVLQVSHNWLRQHQ EHWRQD YLNWHQ DY DWW O|VD GH SUREOHP VRP KDU XSSPlUNVDPPDWV QlU GHW JlOOHU ILQDQVLHOO UnGJLYQLQJ 0RW GHQ EDNJUXQGHQ I|UHOLJJHU GHW HWW NODUW EHKRY DY ODJVWLIWQLQJVnWJlUGHU QlU GHW JlOOHU WUHGMHSDUWVHUVlWWQLQJDU

(WW JHQRPI|UDQGH L VYHQVN UlWW DY UHJOHUQD L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW RP WUHGMHSDUVHUVlWWQLQJDU XWJ|U HQ GHO DY O|VQLQJHQ Sn GH SUREOHP VRP QlPQV RYDQ 5HJOHULQJHQ LQQHElU DWW lYHQ I|UVlNULQJV GLVWULEXW|UHU VRP WLOOKDQGDKnOOHU UnGJLYQLQJ VRP LQWH OlPQDV Sn JUXQGYDO DY HQ RSDUWLVN RFK SHUVRQOLJ DQDO\V VND RPIDWWDV DY EHJUlQVQLQJDU QlU GHW JlOOHU P|MOLJKHWHQ DWW HUEMXGD HOOHU WD HPRW WUHGMHSDUWVHUVlWWQLQJ VH DYVQLWWHQ RFK 2P HUVlWWQLQJHQ KDU HQ QHJDWLY LQYHUNDQ Sn

NYDOLWHWHQ Sn WMlQVWHQ ± RFK GlUPHG VWULGHU PRW I|UHWDJHWV VN\OGLJKHW DWW

opaginerad VDPPDW Kontrollera mot PDF

WLOOYDUDWD NXQGHQV ElVWD LQWUHVVH ± InU I|UVlNULQJVI|UHWDJHW HOOHU I|UVlN ULQJVI|UPHGODUHQ LQWH WD HPRW GHQ bYHQ RP GHW HQOLJW I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW VnOHGHV IRUWIDUDQGH ILQQV YLVVW XWU\PPH I|U HQ I|UVlNULQJVI|UPHGODUH HOOHU HWW I|UVlNULQJVI|UHWDJ DWW WD HPRW WUHGMHSDUWV HUVlWWQLQJDU ILQQV GHW DQOHGQLQJ DWW J|UD EHG|PQLQJHQ DWW UHJOHUQD L GLUHNWLYHW ± VlUVNLOW NUDYHW Sn DWW HUVlWWQLQJHQ LQWH InU I|UVlPUD I|UHWDJHWV I|UXWVlWWQLQJDU DWW XSSI\OOD NUDYHW DWW DJHUD L HQOLJKHW PHG NXQGHQV ElVWD

± E|U VnOOD ERUW HUVlWWQLQJDU VRP WLOO VLQ DUW KDU VRP V\IWH HOOHU NDQ VNDSD LQFLWDPHQW I|U I|UHWDJHW DWW LQWH IXOOW XW EHDNWD YDG VRP lU NXQGHQV ElVWD 5HGDQ GH NUDY VRP PnVWH LQI|UDV L VYHQVN UlWW QlU GHW JlOOHU WUHGMH SDUWVHUVlWWQLQJDU I|U DWW JHQRPI|UD I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW E|U VnOHGHV UHGXFHUD GH SUREOHP VRP EO D )LQDQVLQVSHNWLRQHQ XSSPlUN

VDPPDW

Försäkringsdistributionsdirektivet innebär ett stärkt kundskydd

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RFK GH NRPSOHWWHUDQGH UHJOHUQD L GH GHOHJHUDGH DNWHU VRP VND DQWDV DY NRPPLVVLRQHQ RP KXU I|UVlNULQJV I|UPHGODUH RFK I|UVlNULQJVI|UHWDJ VND I|UKLQGUD LQWUHVVHNRQIOLNWHU RFK HUVlWWQLQJDU IUnQ WUHGMHSDUW XWJ|U HWW RPIDWWDQGH RFK GHWDOMHUDW UHJHOYHUN 5HJOHUQD L GLUHNWLYHW RP WUHGMHSDUWVHUVlWWQLQJ E|U lYHQ VHV L HWW YLGDUH VDPPDQKDQJ GYV PRW EDNJUXQG DY DQGUD U|UHOVH RFK NXQGVN\GGVUHJOHU L GLUHNWLYHW

'LUHNWLYHW RFK GH GHOHJHUDGH DNWHUQD LQQHKnOOHU Q\D RFK VWUlQJDUH UHJOHU VRP KDU SRWHQWLDO DWW L EHW\GDQGH RPIDWWQLQJ VNlUSD YLOONRUHQ QlU GHW JlOOHU WUHGMHSDUWVHUVlWWQLQJ YLG WLOOKDQGKnOODQGH DY UnGJLYQLQJ RFK DQQDQ I|UVlNULQJVGLVWULEXWLRQ )|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW LQQHElU H[HPSHOYLV PHU SUHFLVHUDGH NUDY Sn GHQ LQIRUPDWLRQ RP NRVWQDGHU VRP GLVWULEXW|UHQ VND JH WLOO NXQGHQ RFK UHJOHUQD LQQHElU EO D DWW HYHQWXHOOD EHWDOQLQJDU IUnQ WUHGMHSDUW VND UHGRYLVDV VHSDUDW VH DYVQLWW , GLUHNWLYHW ILQQV lYHQ NUDY QlU GHW JlOOHU KXU I|UVlNULQJVGLVWULEXW|UHU VND HUVlWWD VLQ SHUVRQDO VH DYVQLWW 'H LQQHElU DWW GLVWULEXW|UHU VND VH WLOO DWW GHW LQWH HUVlWWHU VLQD DQVWlOOGD Sn HWW VlWW VRP VWnU L VWULG PHG VN\OGLJKHWHQ DWW DJHUD L NXQGHQV ElVWD LQWUHVVH DUWLNHO 5HJHOYHUNHW NRPPHU lYHQ DWW LQQHElUD XW|NDGH NUDY Sn NXQVNDS RFK NRPSHWHQV KRV GH SHUVRQHU VRP JHU UnG HOOHU LQIRUPDWLRQ RP I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU VH DYVQLWW 'LUHNWLYHW LQQHKnOOHU RFNVn \WWHUOLJDUH NUDY QlU GHW JlOOHU OlPSOLJKHWVEHG|PQLQJDU YLG UnGJLYQLQJ NULQJ I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU VH DYVQLWW 'HW ILQQV GHVVXWRP GHWDOMHUDGH NUDY RP SURGXNWJRGNlQQDQGH VH DYVQLWW

6DPPDQIDWWQLQJVYLV LQQHElU UHJOHUQD L GLUHNWLYHW HWW VWDUNDUH RFK I|U ElWWUDW NXQGVN\GG MlPI|UW PHG GHW VN\GG VRP ILQQV L GDJ 'HVVD UHJOHU E|U lYHQ PRWYHUND GH SUREOHP PHG LQWUHVVHNRQIOLNWHU VRP KDU XSSPlUN VDPPDWV DY EO D )LQDQVLQVSHNWLRQHQ

Är ett mer långtgående förbud än det i försäkringsdistributionsdirektivet motiverat?

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW lU HWW PLQLPLKDUPRQLVHULQJVGLUHNWLY 'HW LQQHElU DWW PHGOHPVVWDWHUQD InU LQI|UD VWUlQJDUH NUDY L QDWLRQHOO UlWW EO D QlU GHW JlOOHU WUHGMHSDUWVHUVlWWQLQJDU DUWLNHO 'HQ KDQGOLQJV

IULKHWHQ lU PHU RPIDWWDQGH lQ GHQ VRP JlOOHU HQOLJW 0L),' ,, MIU DUWLNHO

opaginerad 0L),' ,, L GHQQD GHO VND LQWH KHOOHU |YHUGULYDV 6NLOOQDGHQ VRP WLOO YLVV Kontrollera mot PDF

2P HQ PHGOHPVVWDW LQI|U VWUlQJDUH NUDY VND GH JlOOD lYHQ I|U XWOlQGVND I|UVlNULQJVGLVWULEXW|UHU VRP EHGULYHU JUlQV|YHUVNULGDQGH I|UVlNULQJVGLVWULEXWLRQ L GHQ PHGOHPVVWDWHQ DUWLNHO IHPWH VW\FNHW )|U DWW DYJ|UD RP GHW L VYHQVN UlWW E|U LQI|UDV QnJUD \WWHUOLJDUH NUDY QlU GHW JlOOHU WUHGMHSDUWVHUVlWWQLQJDU E|U GHW I|UVW WDV VWlOOQLQJ WLOO GHQ JUXQGOlJJDQGH IUnJDQ RP KXU RPIDWWDQGH SUREOHPHQ PHG WUHGMHSDUWV HUVlWWQLQJDU lU QlU I|UVlNULQJVI|UHWDJ RFK I|UVlNULQJVI|UPHGODUH XWI|U I|UVlNULQJVGLVWULEXWLRQ DYVHHQGH I|UVlNULQJVEDVHUDGH LQYHVWHULQJV SURGXNWHU L 6YHULJH 'HW NDQ L GHQ GHOHQ NRQVWDWHUDV DWW GH SUREOHP VRP I|UHYDULW Sn PDUNQDGHQ I|U ILQDQVLHOO UnGJLYQLQJ L 6YHULJH WLOO EHW\GDQGH GHO KlQI|UW VLJ WLOO I|UVlNULQJVI|UPHGODUHV YHUNVDPKHW (Q VWRU VDPVWlPPLJKHW UnGHU EODQG P\QGLJKHWHU RFK RUJDQLVDWLRQHU VRP EHYDNDU NRQVXPHQWLQWUHVVHQ RP DWW SUREOHPHQV RPIDWWQLQJ QX PRWLYHUDU DWW GHW L VYHQVN UlWW LQI|UV NUDY VRP JnU XW|YHU GHP VRP I|OMHU DY I|UVlNULQJV

GLVWULEXWLRQVGLUHNWLYHW 'HWWD VNXOOH NXQQD WDOD I|U PHU RPIDWWDQGH EHJUlQVQLQJDU HOOHU WLOO RFK

PHG HWW I|UEXG PRW WUHGMHSDUWVHUVlWWQLQJDU YLG GLVWULEXWLRQ DY I|UVlN ULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU 1nJRW JHQHUHOOW I|UEXG InU HPHOOHU WLG LQWH DQVHV OlPSOLJW HIWHUVRP GHW L HWW VODJ VNXOOH lQGUD PDUNQDGVI|UXW VlWWQLQJDUQD Sn HWW P\FNHW VYnUI|UXWVHEDUW VlWW , GHW VDPPDQKDQJHW NDQ NRQVWDWHUDV DWW RP HWW I|UEXG LQI|UV VNXOOH GHW NXQQD EOL VYnUW DWW VHQDUH KDQWHUD HYHQWXHOOD QHJDWLYD RFK RI|UXWVHGGD PDUNQDGVNRQVHNYHQVHU DY I|UEXGHW %ODQG DQQDW NDQ GHW DQWDV DWW HWW I|UEXG NUDIWLJW VNXOOH PLQVND DQWDOHW PLQGUH DNW|UHU YHUNVDPPD Sn I|UVlNULQJVPDUNQDGHQ $UJX PHQWHQ PRW HWW I|UEXG J|U VLJ VlUVNLOW JlOODQGH PRW EDNJUXQG DY DWW GHW IUDPVWnU VRP PHU OlPSOLJW DWW I|UVW SU|YD RFK XWYlUGHUD UHJOHU VRP lU DY PLQGUH LQJULSDQGH DUW

(Q RUGQLQJ VRP L RFK I|U VLJ IUDPVWnU VRP WlQNEDU lU DWW K|MD QLYnQ DYVHHQGH EHJUlQVQLQJDU DY WUHGMHSDUWVHUVlWWQLQJDU YLG I|UVlNULQJVGLVWUL EXWLRQ WLOO GHQ QLYn VRP JlOOHU HQOLJW 0L),' ,, 6RP QlPQV RYDQ JlOOHU

HQOLJW GHW GLUHNWLYHW DWW HUVlWWQLQJDU IUnQ QnJRQ DQQDQ lQ NXQGHQ L SULQFLS HQGDVW lU WLOOnWHQ RP GHQ lU XWIRUPDG I|U DWW höja kvaliteten Sn WMlQVWHQ DUWLNHO 'HW NDQ Sn JRGD JUXQGHU DUJXPHQWHUDV I|U DWW QlU GHW JlOOHU SURGXNWHU RFK WMlQVWHU VRP L SULQFLS lU XWE\WEDUD PRW ILQDQVLHOOD LQVWUX PHQW GYV I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU ILQQV GHW VNlO I|U DWW I|UVlNULQJVGLVWULEXW|UHU VND XSSI\OOD NUDY EHWUlIIDQGH WUHGMHSDUWV HUVlWWQLQJDU VRP lU Sn VDPPD QLYn VRP GHP YlUGHSDSSHUVERODJ VND XSSI\OOD 'HWWD JlOOHU LQWH PLQVW L I|UKnOODQGH WLOO I|UYHUNOLJDQGHW DY DPELWLRQHQ DWW XSSQn HQ HQKHWOLJ VSHOSODQ QlU GHW JlOOHU ILQDQVLHOO UnGJLYQLQJ 'HQ RPVWlQGLJKHWHQ V\QHV GRFN KD EHDNWDWV WURWV VNLOOQDGHQ DYVHHQGH QLYnHU LQRP UDPHQ I|U GH EnGD GLUHNWLYHQ MIU VNlO WLOO I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RFK VNlO WLOO 0L),' ,,

, VDPPDQKDQJHW ILQQV DQOHGQLQJ DWW XSSPlUNVDPPD DWW PnOHW RP NRQNXUUHQVQHXWUDOLWHW RFK OLND NXQGVN\GG L EHW\GDQGH JUDG UHGDQ XSS QnWWV lYHQ JHQRP VWlOOQLQJVWDJDQGHW L GHQQD SURPHPRULD L IUnJDQ RP JUlQVGUDJQLQJ PHOODQ I|UVlNULQJVGLVWULEXWLRQ RFK YlUGHSDSSHUVU|UHOVH RFK DWW I|UVlNULQJVI|UPHGODUH RFK I|UVlNULQJVI|UHWDJ L HQOLJKHW PHG GHW L KXYXGVDN VND WLOOlPSD ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ QlU GH WLOO KDQGDKnOOHU LQYHVWHULQJVWMlQVWHU VH DYVQLWW 'HQ QX DNWXHOOD VNLOO QDGHQ L QLYn VRP I|UHOLJJHU PHOODQ I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RFK

0L),' ,, L GHQQD GHO VND LQWH KHOOHU |YHUGULYDV 6NLOOQDGHQ VRP WLOO YLVV

opaginerad Begräsningar avseende tredjepartsersättningar Kontrollera mot PDF

GHO lU DY PHU SULQFLSLHOO RFK WHRUHWLVN DUW LQQHElU DWW HUVlWWQLQJDU VRP I|UKnOOHU VLJ QHXWUDOD WLOO NYDOLWHWHQ Sn GHQ UHOHYDQWD WMlQVWHQ VNXOOH YDUD WLOOnWQD HQOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW PHQ LQWH HQOLJW 0L),' ,, 9DG GHQ VNLOOQDGHQ LQQHElU L SUDNWLNHQ lU GRFN VYnU DWW I|UXWVH L PHU GHWDOM lYHQ RP GH GRNXPHQWDWLRQVNUDY VRP I|UHOLJJHU HQOLJW EnGD UHJHOYHUNHQ E|U LQQHIDWWD HQ VN\OGLJKHW DWW YLVD EHOlJJ I|U DWW UHJOHUQD I|OMV 'HW ILQQV YLGDUH DQGUD I|UKnOODQGHQ lQ IUnJDQ RP QLYn VRP lU DY EHW\GOLJW VW|UUH EHW\GHOVH I|U O|VQLQJHQ DY GH SUREOHP VRP I|UHNRPPHU L I|UKnOODQGH WLOO WUHGMHSDUWVHUVlWWQLQJDU

9LGDUH E|U GHW lYHQ EHDNWDV DWW NUDY L VYHQVN UlWW VRP JnU OlQJUH lQ GHP L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW NRPPHU DWW LQQHElUD YLVVD XWPDQLQJDU L I|UKnOODQGH WLOO GH GHWDOMHUDGH UHJOHU RP HUVlWWQLQJDU WLOO RFK IUnQ WUHGMHSDUW VRP NRPPHU DWW DQJHV L GHOHJHUDGH DNWHU VRP DQWDV DY NRPPLVVLRQHQ 'H EHVWlPPHOVHU L GH GHOHJHUDGH DNWHUQD VRP UHJOHUDU YDG VRP VND DQVHV XWJ|UD HQ QHJDWLY LQYHUNDQ Sn WMlQVWHQ VNXOOH L Vn IDOO VDNQD UHOHYDQV VRP YlJOHGQLQJ I|U KXU VYHQVN UlWW VND WRONDV L I|U KnOODQGH WLOO WUHGMHSDUWVHUVlWWQLQJDU 'HQQD SUREOHPDWLN NDQ L RFK I|U VLJ WlQND O|VDV JHQRP DWW GH GHOHJHUDGH DNWHUQD I|U 0L),' ,, LVWlOOHW WLOOlPSDV Sn QX DNWXHOO I|UVlNULQJVGLVWULEXWLRQ (WW VnGDQW I|UKnOODQGH InU GRFN LQWH DQVHV YDUD RSWLPDOW VlUVNLOW LQWH L OMXVHW DY I|UYHUNOLJDQGHW DY GHQ JHPHQVDPPD LQUH PDUNQDG I|U I|UVlNULQJVGLVWULEXWLRQ VRP GLUHNWLYHW KDU VRP PnOVlWWQLQJ VH VNlO WLOO GLUHNWLYHW 'HWWD IUDPVWnU VRP HWW I|UKnOODQGHYLV K|JW SULV I|U GHQ PDUJLQHOOD VNLOOQDG VRP QLYnHUQD LQQHElU L GHWWD KlQVHHQGH

6DPPDQIDWWQLQJVYLV InU GHW LQWH DQVHV ILQQDV WLOOUlFNOLJD VNlO I|U DWW L VYHQVN UlWW LQI|UD VDPPD NUDY VRP GH L 0L),' ,, QlU GHW JlOOHU HUVlWW QLQJDU WLOO RFK IUnQ WUHGMHSDUW lYHQ I|U I|UVlNULQJVGLVWULEXWLRQ 'H VlU VNLOGD SUREOHP VRP I|UHNRPPHU Sn GHQ VYHQVND PDUNQDGHQ L GHVVD DYVHHQGHQ E|U L VWlOOHW nWJlUGDV JHQRP HWW NRPSOHWWHUDQGH VlUVNLOW I|UEXG PRW YLVVD WUHGMHSDUWVHUVlWWQLQJDU VDPW JHQRP DWW XW|ND UHJOHUQDV UlFN YLGG WLOO DWW lYHQ RPIDWWD YLVVD SHQVLRQVI|UVlNULQJDU VH DYVQLWWHQ RFK

Begräsningar avseende tredjepartsersättningar

6RP UHGRJ|UV I|U RYDQ lU GH QX DNWXHOOD UHJOHUQD L I|UVlNULQJVGLVWULEX WLRQVGLUHNWLYHW RP EHJUlQVQLQJ DY WUHGMHSDUWVHUVlWWQLQJDU DUWLNHO XWIRUPDGH HIWHU I|UHELOG DY PRWVYDUDQGH UHJOHU L 0L),' ,, DUWLNHO 'H UHJOHUQD JHQRPI|UV L VYHQVN UlWW L PRWVYDUDQGH EHVWlPPHOVHU L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ NDS † 3n PRWVYDUDQGH VlWW E|U UHJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW JHQRPI|UDV L EHVWlPPHOVHU L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ %HVWlPPHOVHUQD E|U XWIRUPDV L KXYXGVDN Sn VDPPD VlWW VRP L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ VH DYVQLWW RP HQKHWOLJD EHVWlPPHOVHU L GH EnGD ODJDUQD 'HQ VNLOOQDG VRP I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW LQQHElU L I|UKnOODQGH WLOO QLYnQ Sn EHJUlQVQLQJDUQD E|U GRFN EHDNWDV 'H GHWDOMHUDGH UHJOHU VRP NRPPHU DWW DQJHV L GHOHJHUDGH DNWHU VRP DQWDV DY NRPPLVVLRQHQ E|U XQGHU I|UXWVlWWQLQJ DWW GH DQWDV L IRUP DY GLUHNWLY JHQRPI|UDV JHQRP P\QGLJKHWVI|UHVNULIWHU VH DYVQLWW

'HW LQQHElU DWW HQ DYJLIW SURYLVLRQ HOOHU HQ LFNH PRQHWlU I|UPnQ LQWH

E|U DQVHV YDUD JRGWDJEDU RP WLOOKDQGDKnOODQGHW DY GH UHOHYDQWD WMlQVWHUQD

opaginerad Försäkringsdistributionsdirektivets regler är ett första steg som bör utvärderas Kontrollera mot PDF

HOOHU SURGXNWHUQD SnYHUNDV QHJDWLYW HOOHU VQHGYULGV Sn JUXQG DY HUVlWWQLQJHQ ,QQHE|UGHQ DY EHJUHSSHW HUVlWWQLQJ E|U L GHWWD VDPPDQKDQJ JHV HQ YLG WRONQLQJ RFK lYHQ LQQHIDWWD VnGDQD EHWDOQLQJDU VRP HWW I|UHWDJ VRP LQJnU L VDPPD NRQFHUQ VRP GLVWULEXW|UHQ OlPQDU HOOHU WDU HPRW 'HW LQQHElU YLGDUH DWW HQ GLVWULEXW|U VRP GLVWULEXHUDW W H[ HQ IRQGI|UVlNULQJ LQWH KHOOHU E|U In WLOOJRGRJ|UD VLJ YLVVD HUVlWWQLQJDU IUnQ HWW IRQGERODJ VRP LQJnU L VDPPD NRQFHUQ VRP GLVWULEXW|UHQ W H[ JHQRP NRQFHUQ ELGUDJ IUnQ GHW IRQGERODJHW (Q DQQDQ RUGQLQJ VNXOOH J|UD GHW DOOWI|U HQNHOW DWW NULQJJn EHJUlQVQLQJDUQD JHQRP DWW GLVWULEXW|UHQ EO D UHNRPPHQGHUDU GHQ HJQD NRQFHUQHQV IRQGSURGXNWHU WLOOV\QHV XWDQ HUVlWWQLQJ

(Q I|UVlNULQJVI|UPHGODUH HOOHU HWW I|UVlNULQJVI|UHWDJ E|U IRUWO|SDQGH XSSI\OOD NUDYHQ GYV Vn OlQJH GHW IRUWVlWWHU DWW EHWDOD HOOHU DWW WD HPRW HUVlWWQLQJ 6RP DQJHV RYDQ E|U I|UVlNULQJVI|UPHGODUHQ HOOHU I|UVlNULQJV I|UHWDJHW lYHQ NXQQD YLVD EHOlJJ I|U DWW DOO HUVlWWQLQJ VRP EHWDODWV HOOHU PRWWDJLWV DY I|UHWDJHW LQWH KDU QnJRQ QHJDWLY LQYHUNDQ Sn NYDOLWHWHQ Sn GHQ UHOHYDQWD WMlQVWHQ HOOHU SURGXNWHQ RFK LQWH KHOOHU I|UVlPUDU I|UXW VlWWQLQJDUQD DWW WLOOYDUDWD NXQGHQV LQWUHVVHQ 'HWWD E|U EO D NXQQD VlNHUVWlOODV JHQRP LQWHUQD I|UWHFNQLQJDU |YHU DOOD HUVlWWQLQJDU VRP EHWDODWV HOOHU WDJLWV HPRW DY HQ WUHGMHSDUW L VDPEDQG PHG I|UVlNULQJV GLVWULEXWLRQHQ 'HVVXWRP E|U I|UVlNULQJVI|UPHGODUH RFK I|UVlNULQJV I|UHWDJ UHJLVWUHUD KXU HUVlWWQLQJDUQD VRP EHWDODWV WLOO HOOHU WDJLWV HPRW I|UKnOOHU VLJ WLOO GHQ WMlQVW HOOHU SURGXNW VRP WLOOKDQGDKnOOV WLOO GH EHU|UGD NXQGHUQD 'HW E|U lYHQ IUDPJn YLOND nWJlUGHU VRP KDU YLGWDJLWV I|U DWW VH WLOO DWW GLVWULEXW|UHQV I|UXWVlWWQLQJDU DWW XSSI\OOD VLQD VN\OGLJKHWHU DWW DJHUD KHGHUOLJW UlWWYLVW RFK SURIHVVLRQHOOW L HQOLJKHW PHG NXQGHQ ElVWD LQWUHVVH LQWH I|UVlPUDV

Försäkringsdistributionsdirektivets regler är ett första steg som bör utvärderas

)|UVODJHW L GHQQD SURPHPRULD LQQHElU VnOHGHV I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHWV UHJOHU RP HUVlWWQLQJDU WLOO RFK IUnQ WUHGMHSDUW YLG GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU NRPSOHWWHUDV PHG HWW VlU VNLOW I|UEXG PRW YLVVD WUHGMHSDUWVHUVlWWQLQJDU VDPW DWW UHJOHUQDV UlFNYLGG XWYLGJDV WLOO DWW lYHQ RPIDWWD YLVVD SHQVLRQVI|UVlNULQJDU )|UVODJHW EHG|PV OHGD WLOO HWW VWlUNW NXQGVN\GG YLG GHQ GLVWULEXWLRQ VRP I|UVlNULQJVI|UHWDJ RFK I|UVlNULQJVI|UPHGODUH XWI|U DY VnGDQD SURGXNWHU MlPI|UW PHG GHW VN\GG VRP ILQQV L GDJ 'HW lU HPHOOHUWLG YLNWLJW DWW QlU GH Q\D UHJOHUQD KDU WLOOlPSDWV XQGHU HQ WLG GHW J|UV HQ XWYlUGHULQJ DY YLONHQ HIIHNW GH KDU InWW L V\IWH DWW DYJ|UD RP GHW NYDUVWnU QnJUD SUREOHP PHG LQWUHVVHNRQIOLNWHU YLG GHQ I|UVlNULQJVGLVWULEXWLRQ VRP WLOOKDQGDKnOOV 2P GHW YLVDU VLJ DWW YLVVD SUREOHP Sn PDUNQDGHQ ILQQV NYDU WURWV GHW Q\D UHJHOYHUNHW E|U ODJVWLIWDUHQ |YHUYlJD RP GHW ILQQV EHKRY DY DWW LQI|UD \WWHUOLJDUH nWJlUGHU

)|UEXG PRW YLVVD WUHGMHSDUWVHUVlWWQLQJDU

5HJHULQJHQV I|UVODJ (Q I|UVlNULQJVGLVWULEXW|U InU L VDPEDQG PHG

GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU LQWH HUEMXGD

opaginerad HOOHU WD HPRW HUVlWWQLQJ IUnQ QnJRQ DQQDQ lQ NXQGHQ VRP WLOO YlVHQWOLJ Kontrollera mot PDF

HOOHU WD HPRW HUVlWWQLQJ IUnQ QnJRQ DQQDQ lQ NXQGHQ VRP WLOO YlVHQWOLJ

GHO DYVHU WMlQVWHU VRP lQQX LQWH XWI|UWV VRP WLOO VLQ VWRUOHN EDVHUDV Sn

SUHPLHEHWDOQLQJDU VRP LQWH KDU EHWDODWV DY NXQGHQ HOOHU DQGUD

HUVlWWQLQJDU VRP VWRUOHNVPlVVLJW VWnU L XSSHQEDUW PLVVI|UKnOODQGH WLOO

GH WMlQVWHU VRP KDU XWI|UWV

6NlOHQ I|U SURPHPRULDQV I|UVODJ (Q VlUVNLOW SUREOHPDWLVN IRUP DY WUHGMHSDUWVHUVlWWQLQJ XWJ|UV DY GH I|UVNRWWVEHWDOQLQJDU V N XS IURQW HUVlWWQLQJ VRP I|UHNRPPHU Sn I|UVlNULQJVPDUNQDGHQ (Q GHO DY EDN JUXQGHQ WLOO SUREOHPDWLNHQ OLJJHU L DWW NXQGHU Sn I|UVlNULQJVPDUNQDGHQ L PRWVDWV WLOO W H[ Sn YlUGHSDSSHUPDUNQDGHQ RIWD LQJnU DYWDO VRP VWUlFNHU VLJ |YHU OlQJUH WLGVSHULRGHU

bYHQ RP GHW EODQG DNW|UHUQD Sn GHQ ILQDQVLHOOD PDUNQDGHQ UnGHU

GHODGH PHQLQJDU RP YDG VRP NRQVWLWXHUDU HQ XS IURQW HUVlWWQLQJ InU GHW L

DOOPlQKHW EHVNULYDV VRP HQ SURYLVLRQ VRP EHWDODV WLOO I|UVlNULQJV

I|UPHGODUHQ GLUHNW QlU I|UVlNULQJVSURGXNWHQ WHFNQDV YLONHQ WLOO VLQ VWRU

OHN EHUlNQDV HIWHU HQ YLVV SURFHQW DY GHW LQYHVWHUDGH EHORSSHW I|UVlN

ULQJVNDSLWDOHW HOOHU GH I|UVlNULQJVSUHPLHU VRP NXQGHQ I|UYlQWDV EHWDOD

XQGHU I|UVlNULQJVSHULRGHQ 2IWD LQEHJULSHU VnGDQ SURYLVLRQ EHORSS DY

EHW\GDQGH VWRUOHN I|U HQ LEODQG EHJUlQVDG DUEHWVLQVDWV 9LGDUH ILQQV GHW L

YLVVD IDOO HQ nWHUEHWDOQLQJVVN\OGLJKHW EHWUlIIDQGH HQ GHO DY SURYLVLRQHQ

RP NXQGHQ DYEU\WHU I|UVlNULQJVDYWDOHW L I|UWLG

(UVlWWQLQJVIRUPHQ InU DQVHV YDUD SUREOHPDWLVN HIWHUVRP GHQ ULVNHUDU DWW

VNDSD YLVVD VlUVNLOGD LQWUHVVHNRQIOLNWHU %ODQG DQQDW NDQ GHW XSSVWn

LQFLWDPHQW I|U I|UVlNULQJVI|UPHGODUHQ DWW XQGHUOnWD DWW JH OlPSOLJD UnG

WLOO NXQGHQ VRP UHVXOWHUDU L DWW HQ GHO DY GHQ UHGDQ HUKnOOQD SURYLVLRQHQ

EHK|YHU EHWDODV WLOOEDND WLOO I|UVlNULQJVI|UHWDJHW 2P GHQ VN\OGLJKHWHQ

LVWlOOHW DQNRPPHU Sn NXQGHQ Vn VNDSDU GHW L VLJ LQOnVQLQJVHIIHNWHU

9LGDUH NDQ GHW L YLVVD IDOO I|UHIDOOD ORFNDQGH I|U I|UVlNULQJVI|UPHGODUHQ

DWW UHNRPPHQGHUD HQ IO\WW DY I|UVlNULQJVNDSLWDOHW HIWHUVRP GHW NDQ

UHVXOWHUD L HQ VWRU HQJnQJVEHWDOQLQJ WLOO I|UPHGODUHQ 'HW KDU Sn

PDUNQDGHQ I|UHNRPPLW XSSPlUNVDPPDGH IDOO PHG IOHUD WLOOV\QHV

RPRWLYHUDGH IO\WWDU DY NXQGHUV I|UVlNULQJVNDSLWDO HIWHU YDUDQGUD V N

IO\WWNDUXVHOO

, GH DOOUD IOHVWD IDOO WRUGH PnQJD XS IURQW HUVlWWQLQJDU YDUD RWLOOnWQD

UHGDQ HQOLJW GH EHVWlPPHOVHU VRP JHQRPI|U GH JHQHUHOOD UHJOHUQD L

I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO HOOHU L YDUW IDOO DQVHV

SnYHUND WMlQVWHQ HOOHU SURGXNWHQ QHJDWLYW DUWLNHO , V\QQHUKHW WRUGH

GH \WWHUOLJDUH UHJOHU VRP NRPPHU DWW DQJHV L GH GHOHJHUDGH DNWHU VRP

DQWDV DY NRPPLVVLRQHQ L GHQQD GHO L I|UKnOODQGH WLOO DUWLNHO L

GLUHNWLYHW OlPQD HWW P\FNHW EHJUlQVDW XWU\PPH I|U VnGDQD HUVlWWQLQJDU

%HKRYHW DY HWW NRPSOHWWHUDQGH I|UEXG L VYHQVN UlWW PRW XS IURQW

HUVlWWQLQJDU ERUGH VnOHGHV YDUD EHJUlQVDW , VDPPDQKDQJHW PnVWH GRFN

EHDNWDV DWW GHW IRUWIDUDQGH UnGHU YLVV RVlNHUKHW L IUnJDQ RP EnGH

WRONQLQJHQ DY GH QX DNWXHOOD UHJOHUQD L GLUHNWLYHW RFK GHQ VOXWOLJD XWIRUP

QLQJHQ DY GHQ GHOHJHUDGH DNWHQ L GHQQD GHO , OMXVHW DY GHWWD IUDPVWnU GHW

VRP P\FNHW DQJHOlJHW DWW GHW L VYHQVN UlWW EOLU KHOW NODUODJW DWW YLVVD XS

IURQW SURYLVLRQHU LQWH lU DFFHSWDEOD PHG KlQV\Q WLOO NXQGVN\GGHW ± HQ

VWnQGSXQNW VRP GHODV DY VnYlO WLOOV\QVP\QGLJKHWHU RFK NRQVXPHQW

RUJDQLVDWLRQHU VRP I|UHWUlGDUH I|U EUDQVFKHQ (WW VlUVNLOW I|UEXG PRW XS

IURQW HUVlWWQLQJDU E|U VnOHGHV LQI|UDV L VYHQVN UlWW

opaginerad 'HW E|U L VDPPDQKDQJHW GRFN nWHULJHQ IUDPKnOODV DWW GHW LQWH ILQQV Kontrollera mot PDF

'HW E|U L VDPPDQKDQJHW GRFN nWHULJHQ IUDPKnOODV DWW GHW LQWH ILQQV

QnJRQ OHJDOGHILQLWLRQ DY YDUNHQ XS IURQW HUVlWWQLQJ HOOHU DQGUD G\OLND HUVlWWQLQJDU (UVlWWQLQJVPRGHOOHU VnVRP XS IURQW EHVWnQGVHUVlWWQLQJ RFK VWRFNHUVlWWQLQJ VND lYHQ L IUDPWLGHQ YDUD WLOOnWQD I|UXWVDWW DWW GH lU XWIRUPDGH Sn HWW VlWW VRP lU I|UHQOLJW PHG GH NUDY VRP VWlOOV XSS L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ )|UEXGHW PRW XS IURQW HUVlWWQLQJDU E|U WRONDV L OMXVHW DY DWW GHW lU HUVlWWQLQJDU YDUV VWRUOHN VWnU L XSSHQEDUW PLVVI|UKnOODQGH WLOO GHQ I|UVlNULQJVGLVWULEXWLRQ VRP XWI|UV VRP DYVHV 0HG DQGUD RUG LQQHElU I|UVODJHW L GHQQD SURPHPRULD LQJHW DEVROXW I|UEXG PRW DWW HUVlWWQLQJ XWJnU L I|UKnOODQGH WLOO I|UVlNULQJVGLVWULEXWLRQ VRP lQQX LQWH XWI|UWV Vn OlQJH HUVlWWQLQJHQV VWRUOHN RFK GHQ WLG VRP I|UVNRWWVEHWDOQLQJHQ DYVHU LQWH DYYLNHU L QnJRQ YlVHQWOLJ PnQ 2P HQ I|UVlNULQJVWDJDUH EHWDODU HQ I|UVlNULQJVSUHPLH E|U GHW DOOWVn L SULQFLS YDUD WLOOnWHW DWW SURYLVLRQ XWJnU L I|UKnOODQGH WLOO GHQ SUHPLHQ lYHQ RP QnJRQ I|UVlNULQJVI|UPHGOLQJ LQWH XWI|UWV RP GLVWULEXWLRQHQ DYVHV XWI|UDV L HQ UHODWLY QlUWLG

, I|UKnOODQGH WLOO EHVWnQGVHUVlWWQLQJ E|U GHW IUDPKnOODV DWW GHW I|UH NRPPHU PRGHOOHU VRP LQQHElU I|UGHODU XU I|UHWDJVHNRQRPLVNW KlQ VHHQGH (IIHNWLYLWHW RFK HQ OlJUH NRVWQDGVELOG VNDSDU lYHQ L DOOPlQKHW I|UXWVlWWQLQJDU I|U ELOOLJDUH I|UVlNULQJVSURGXNWHU 0HG EHVWnQGVHUVlWW QLQJ DYVHV L GHWWD IDOO DWW HWW I|UVlNULQJVI|UHWDJ XSSGUDU WLOO HQ I|UVlN ULQJVI|UPHGODUH DWW IXOOJ|UD HQ GHO DY VLQ I|UVlNULQJVU|UHOVH V N RXW VRXUFLQJ 8SSGUDJHW NDQ W H[ DYVH LQIRUPDWLRQVJLYQLQJ RFK NXQGYnUG (Q DQQDQ VDN lU DWW I|UVlNULQJVI|UPHGODUHQ GlUXW|YHU NDQ KD HWW OHJLWLPW DIIlUVPlVVLJW LQWUHVVH DY DWW EHKnOOD Vn VWRU GHO DY NXQGNRQWDNWHQ VRP P|MOLJW )|UVODJHW L GHQQD SURPHPRULD LQQHElU LQWH HWW I|UEXG PRW VnGDQD DUUDQJHPDQJ 'HQ HUVlWWQLQJ VRP XWJnU I|U XSSGUDJHW E|U GRFN YDUD DIIlUVPlVVLJW PRWLYHUDG L I|UKnOODQGH WLOO GHW XSSGUDJ VRP OlPQDWV 'HW E|U lYHQ L GHW DYVHHQGHW ILQQDV HQ W\GOLJ VNLOOQDG PHOODQ P|MOLJKHWHUQD DWW PRW EHWDOQLQJ RXWVRXUFD HQ GHO I|UVlNULQJVU|UHOVHQ RFK DWW XWJH HUVlWWQLQJ I|U GH WMlQVWHU VRP HQ I|UVlNULQJVI|UPHGODUH XWI|U I|U HQ NXQG )|UVlNULQJVI|UPHGODUHQ E|U VnOHGHV LQWH In EOL |YHUNRPSHQVHUDG Sn Vn VlWW DWW YLVV WUHGMHSDUWVHUVlWWQLQJ HJHQWOLJHQ DYVHU NXQGDQVNDIIQLQJ RFK I|UVlOMQLQJ RFK EHUlNQDV Sn IUDPWLGD LQWlNWHU I|U I|UVlNULQJVI|UHWDJHW 'HW OLJJHU GlUYLG HQ IDUD L DWW I|UVlNULQJVI|UHWDJHQV NXQGDQVNDIIQLQJ VNHU JHQRP I|UVlNULQJVI|UPHGODUH HIWHUVRP GHW RIWD JHU I|UPHGODUHQV NXQGHU VNHQ DY DWW I|UPHGODUH LQWH KDU QnJUD HJQD LQWUHVVHQ L I|UVlOMQLQJHQ 'HW E|U L GHW VDPPDQKDQJHW OlJJDV YLNW YLG I|UVlNULQJVI|UHWDJHWV NRVWQDGHU DWW XWI|UD GHQ GHOHQ DY I|UVlNULQJVU|UHOVHQ L HJHQ UHJL 2P HUVlWWQLQJHQ |YHUVWLJHU VnGDQD EHUlNQDGH NRVWQDGHU InU GHW DQVHV I|UHOLJJD HQ SUHVXPWLRQ I|U DWW HUVlWWQLQJHQ DYVHU I|UVlNULQJVI|UPHGODUHQV HJHQ I|UVlNULQJVGLVWULEXWLRQ L I|UKnOODQGH WLOO NXQGHQ YLONHQ DOOWVn lU RWLOOnWHQ RP GHQ VWnU L XSSHQEDUW PLVVI|UKnOODQGH WLOO GHQ I|UVlNULQJVGLVWULEXWLRQ VRP XWI|UV

opaginerad %HG|PQLQJ DY OlPSOLJKHW RFK Kontrollera mot PDF

%HG|PQLQJ DY OlPSOLJKHW RFK

lQGDPnOVHQOLJKHW RFK UDSSRUWHULQJ WLOO NXQGHU

/lPSOLJKHWVEHG|PQLQJ YLG UnGJLYQLQJ

3URPHPRULDQV I|UVODJ (Q I|UVlNULQJVGLVWULEXW|U VND QlU GHQ

WLOOKDQGDKnOOHU UnGJLYQLQJ RP HQ I|UVlNULQJVEDVHUDG LQYHVWHULQJV

SURGXNW KlPWD LQ Q|GYlQGLJD XSSO\VQLQJDU IUnQ NXQGHQ RP GHQQHV

NXQVNDSHU RFK HUIDUHQKHWHU DY SURGXNWHQ VDPW RP NXQGHQV

HNRQRPLVND VLWXDWLRQ RFK PnO PHG LQYHVWHULQJHQ Vn DWW GLVWULEXW|UHQ

NDQ UHNRPPHQGHUD SURGXNWHU VRP lU OlPSOLJD I|U NXQGHQ

2P HQ I|UVlNULQJVGLVWULEXW|U NRUVI|UVlOMHU UnGJLYQLQJ RP HQ

I|UVlNULQJVEDVHUDG LQYHVWHULQJVSURGXNW WLOOVDPPDQV PHG LQYHVWHULQJV

UnGJLYQLQJ VND GLVWULEXW|UHQ EHG|PD OlPSOLJKHWHQ DY |YHUHQV

NRPPHOVHQ HOOHU SDNHWHW VRP KHOKHW

6NlOHQ I|U SURPHPRULDQV I|UVODJ

Försäkringsdistributionsdirektivet

(QOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO VND HQ I|UVlNULQJV I|UPHGODUH HOOHU HWW I|UVlNULQJVI|UHWDJ QlU GH WLOOKDQGDKnOOHU UnGJLYQLQJ YLG VLGDQ DY GHQ NUDY RFK EHKRYVSU|YQLQJ VRP I|UVlNULQJVGLVWULEXW|UHU DOOWLG VND XWI|UD L JRG WLG LQQDQ HWW I|UVlNULQJVDYWDO LQJnV lYHQ LQKlPWD Q|GYlQGLJD XSSO\VQLQJDU RP NXQGHQV HOOHU GHQ SUHVXPWLYD NXQGHQV NXQVNDSHU RFK HUIDUHQKHWHU Sn GHW UHOHYDQWD LQYHVWHULQJVRPUnGHW 'HWWD JlOOHU I|U GHQ VSHFLILND W\SHQ DY SURGXNW HOOHU WMlQVW GHQ SHUVRQHQV ILQDQVLHOOD VWlOOQLQJ LQEHJULSHW YHGHUE|UDQGHV I|UPnJD DWW ElUD I|UOXVWHU RFK GHQ SHUVRQHQV LQYHVWHULQJVPnO LQEHJULSHW ULVNWROHUDQV 'HWWD Vn DWW I|UVlNULQJVI|UPHGODUHQ HOOHU I|UVlNULQJVI|UHWDJHW NDQ UHNRPPHQGHUD NXQGHQ HOOHU GHQ SUHVXPWLYD NXQGHQ GH I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU VRP lU OlPSOLJD I|U GHQ SHUVRQHQ RFK L V\QQHUKHW lU I|UHQOLJD PHG GHQ SHUVRQHQV ULVNWROHUDQV RFK I|UPnJD DWW ElUD I|UOXVWHU 1lU HQ I|UVlNULQJVI|UPHGODUH HOOHU HWW I|UVlNULQJVI|UHWDJ WLOOKDQGDKnOOHU LQYHVWHULQJVUnGJLYQLQJ PHG UHNRPPHQGDWLRQ RP HWW SDNHW DY NRPELQHUDGH WMlQVWHU HOOHU SURGXNWHU VND GHQQH EHG|PD KXUXYLGD KHOD GHW NRPELQHUDGH SDNHWHW lU OlPSOLJW DUWLNHO DQGUD PHQLQJHQ

Genomförande i svensk rätt

5HJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RP EHG|PQLQJ DY OlPS OLJKHW L VDPEDQG PHG UnGJLYQLQJ lU HWW DY GH YLNWLJDVWH NUDYHQ I|U DWW XSSQn HWW K|JW NXQGVN\GG 6\IWHW PHG EHVWlPPHOVHQ lU DWW HQGDVW UHNRPPHQGDWLRQHU DYVHHQGH I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU VRP lU OlPSOLJD I|U NXQGHQ VND NXQQD OlPQDV 'H UHJOHUQD NRPSOHWWHUDU GHQ NUDY RFK EHKRYVSU|YQLQJ VRP I|UVlNULQJVGLVWULEXW|UHU VND XWI|UD L JRG WLG LQQDQ LQJnHQGHW DY DOOD W\SHU DY I|UVlNULQJVDYWDO PHQ HQ OlPSOLJKHWVEHG|PQLQJ VND GlUXW|YHU XWI|UDV DY GLVWULEXW|UHQ YLG UHNRPPHQGDWLRQHU L DQVOXWQLQJ WLOO UHGDQ LQJnQJQD I|UVlNULQJVDYWDO 9LGDUH LQQHIDWWDU UHJOHUQD IOHU RFK PHU GHWDOMHUDGH NUDY lQ HQ SDVVDQGH

s. 1 3DVVDQGHEHG|PQLQJ YLG DQQDQ Kontrollera mot PDF

EHG|PQLQJ QlU GHW JlOOHU EHDNWDQGH DY NXQGHQV ILQDQVLHOOD VLWXDWLRQ VH DYVQLWW

5HJOHUQD RP OlPSOLJKHWVEHG|PQLQJ E|U JHQRPI|UDV L VYHQVN UlWW L PRWVYDUDQGH EHVWlPPHOVHU L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ 'H GHWDOMHUDGH UHJOHU VRP NRPPHU DWW DQJHV L GHOHJHUDGH DNWHU VRP DQWDV DY NRPPLVVLRQHQ E|U XQGHU I|UXWVlWWQLQJ DWW GH DQWDV L IRUP DY GLUHNWLY JHQRPI|UDV JHQRP P\QGLJKHWVI|UHVNULIWHU VH DYVQLWW

'H QX DNWXHOOD UHJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO KDU XWIRUPDWV HIWHU I|UHELOG DY UHJOHU VRP ILQQV L 0L),' ,, DUWLNHO 'H UHJOHUQD L 0L),' ,, JHQRPI|UV L VYHQVN UlWW L EHVWlPPHOVHU L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ NDS † 0HG KlQV\Q WLOO GHW DQI|UGD E|U XWJnQJVSXQNWHQ YDUD DWW lYHQ EHVWlPPHOVHUQD L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ RFK ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ VND YDUD Vn OLND VRP P|MOLJW VH DYVQLWW RP HQKHWOLJD EHVWlPPHOVHU L GH EnGD ODJDUQD

, |YULJW KlQYLVDV WLOO GH |YHUYlJDQGHQ VRP UHJHULQJHQ JMRUGH PHG DQOHGQLQJ DY JHQRPI|UDQGHW L VYHQVN UlWW DY 0L),' ,, SURS V I

3DVVDQGHEHG|PQLQJ YLG DQQDQ

I|UVlNULQJVGLVWULEXWLRQ lQ UnGJLYQLQJ

3URPHPRULDQV I|UVODJ )|UVlNULQJVGLVWULEXW|UHU VND QlU GH XWI|U

DQQDQ I|UVlNULQJVGLVWULEXWLRQVYHUNVDPKHW lQ UnGJLYQLQJ EHJlUD DWW

NXQGHQ OlPQDU XSSO\VQLQJDU RP VLQ NXQVNDS RFK HUIDUHQKHW DY GHQ

HUEMXGQD HOOHU HIWHUIUnJDGH W\SHQ DY SURGXNW HOOHU WMlQVW Vn DWW

GLVWULEXW|UHQ NDQ EHG|PD RP GHQ WlQNWD I|UVlNULQJVWMlQVWHQ HOOHU

I|UVlNULQJVSURGXNWHQ lU SDVVDQGH I|U NXQGHQ 2P WMlQVWHQ DYVHU HQ

NRPELQDWLRQ DY WMlQVWHU HOOHU SURGXNWHU VRP VND EHG|PQLQJHQ DYVH

|YHUHQVNRPPHOVHQ HOOHU SDNHWHW VRP KHOKHW

(Q I|UVlNULQJVGLVWULEXW|U VND YDUQD NXQGHQ L GH IDOO WMlQVWHQ HOOHU

SURGXNWHQ LQWH SDVVDU NXQGHQ 2P HQ NXQG LQWH OlPQDU XSSJLIWHU HOOHU

OlPQDU RIXOOVWlQGLJD XSSJLIWHU VND NXQGHQ YDUQDV RP DWW I|UVlNULQJV

GLVWULEXW|UHQ LQWH NDQ DYJ|UD RP SURGXNWHQ SDVVDU NXQGHQ

6NlOHQ I|U SURPHPRULDQV I|UVODJ

Försäkringsdistributionsdirektivet

(QOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO VND HQ I|UVlNULQJV I|UPHGODUH HOOHU HWW I|UVlNULQJVI|UHWDJ QlU GH WLOOKDQGDKnOOHU DQQDQ I|UVlNULQJVGLVWULEXWLRQ lQ UnGJLYQLQJ YLG VLGDQ DY GHQ NUDY RFK EHKRYVSU|YQLQJ VRP I|UVlNULQJVGLVWULEXW|UHU DOOWLG VND XWI|UD LQQDQ HWW I|UVlNULQJVDYWDO LQJnV EHJlUD DWW NXQGHQ HOOHU GHQ SUHVXPWLYD NXQGHQ OlPQDU XSSO\VQLQJDU RP VLQ NXQVNDS RFK HUIDUHQKHW Sn GHW I|U GHQ HUEMXGQD HOOHU HIWHUIUnJDGH SURGXNWHQ HOOHU WMlQVWHQ UHOHYDQWD LQYHVWHULQJVRPUnGHW Vn DWW I|UVlNULQJVI|UPHGODUHQ HOOHU I|UVlNULQJV I|UHWDJHW NDQ EHG|PD RP GHQ WlQNWD I|UVlNULQJVWMlQVWHQ HOOHU I|UVlN ULQJVSURGXNWHQ lU SDVVDQGH I|U NXQGHQ 1lU GHW lU IUnJD RP HQ NRPELQDWLRQ DY WMlQVWHU HOOHU SURGXNWHU VND EHG|PQLQJHQ JlOOD KXUXYLGD

s. 2 3DVVDQGHEHG|PQLQJ YLG DQQDQ Kontrollera mot PDF

KHOD GHW NRPELQHUDGH SDNHWHW lU OlPSOLJW 2P I|UVlNULQJVI|UPHGODUHQ HOOHU I|UVlNULQJVI|UHWDJHW PRW EDNJUXQG DY GH XSSO\VQLQJDU VRP HUKnOOLWV DQVHU DWW SURGXNWHQ LQWH lU SDVVDQGH I|U NXQGHQ HOOHU GHQ SUHVXPWLYD NXQGHQ VND I|UVlNULQJVI|UPHGODUHQ HOOHU I|UVlNULQJVI|UHWDJHW YDUQD NXQGHQ HOOHU GHQ SUHVXPWLYD NXQGHQ RP GHW 'HQ YDUQLQJHQ InU OlPQDV L VWDQGDUGLVHUDG IRUP 2P NXQGHU HOOHU SUHVXPWLYD NXQGHU LQWH OlPQDU GH XSSO\VQLQJDU HOOHU RP GH OlPQDU RWLOOUlFNOLJD XSSO\VQLQJDU RP VLQ NXQVNDS RFK HUIDUHQKHW VND I|UVlNULQJVI|UPHGODUHQ HOOHU I|UVlN ULQJVI|UHWDJHW YDUQD GHP RP DWW GH LQWH NDQ DYJ|UD RP GHQ WlQNWD SURGXNWHQ lU SDVVDQGH I|U GHP 'HQ YDUQLQJHQ InU OlPQDV L VWDQGDUGL VHUDG IRUP

Genomförande i svensk rätt

bYHQ UHJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RP SDVVDQGH EHG|PQLQJ L VDPEDQG PHG DQQDQ I|UVlNULQJVGLVWULEXWLRQ lQ UnGJLYQLQJ lU P\FNHW YLNWLJD I|U DWW XSSQn HWW K|JW NXQGVN\GG 6\IWHW PHG EHVWlPPHOVHQ lU DWW HQGDVW SURGXNWHU RFK WMlQVWHU VRP SDVVDU NXQGHQ VND NXQQD GLVWULEXHUDV RFK GlUPHG I|UKLQGUD I|UHNRPVWHQ DY ROlPSOLJ I|UVlNULQJVGLVWULEXWLRQ 'H UHJOHUQD NRPSOHWWHUDU GHQ NUDY RFK EHKRYVSU|YQLQJ VRP I|UVlNULQJVGLVWULEXW|UHU VND XWI|UD L JRG WLG LQQDQ LQJnHQGHW DY DOOD W\SHU DY I|UVlNULQJVDYWDO PHQ HQ SDVVDQGHG|PQLQJ VND GlUXW|YHU XWI|UDV DY GLVWULEXW|UHQ YLG I|UVlNULQJVGLVWULEXWLRQ L DQVOXWQLQJ WLOO UHGDQ LQJnQJQD I|UVlNULQJVDYWDO 9LGDUH LQQHIDWWDU UHJOHUQD IlUUH NUDY lQ HQ OlPSOLJKHWVEHG|PQLQJ QlU GHW JlOOHU EHDNWDQGH DY NXQGHQV ILQDQVLHOOD VLWXDWLRQ VH DYVQLWW

5HJOHUQD RP SDVVDQGHEHG|PQLQJ L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW E|U JHQRPI|UDV L VYHQVN UlWW L PRWVYDUDQGH EHVWlPPHOVHU L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ 'H GHWDOMHUDGH UHJOHU VRP NRPPHU DWW DQJHV L GHOHJHUDGH DNWHU VRP DQWDV DY NRPPLVVLRQHQ E|U XQGHU I|UXWVlWWQLQJ DWW GH DQWDV L IRUP DY GLUHNWLY JHQRPI|UDV JHQRP P\QGLJKHWVI|UHVNULIWHU VH DYVQLWW

'H QX DNWXHOOD UHJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO KDU XWIRUPDWV HIWHU I|UHELOG DY UHJOHU VRP ILQQV L 0L),' ,, DUWLNHO 'H UHJOHUQD L 0L),' ,, JHQRPI|UV L VYHQVN UlWW L EHVWlPPHOVHU L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ NDS † 0HG KlQV\Q WLOO GHW DQI|UGD E|U XWJnQJVSXQNWHQ YDUD DWW lYHQ EHVWlPPHOVHUQD L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ RFK ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ VND YDUD Vn OLND VRP P|MOLJW VH DYVQLWW RP HQKHWOLJD EHVWlPPHOVHU L GH EnGD ODJDUQD

, |YULJW KlQYLVDV WLOO GH |YHUYlJDQGHQ VRP UHJHULQJHQ JMRUGH PHG DQOHGQLQJ DY JHQRPI|UDQGHW L VYHQVN UlWW DY 0L),' ,, SURS V ±

8QGDQWDJ IUnQ SDVVDQGHEHG|PQLQJ YLG DQQDQ I|UVlNULQJVGLVWULEXWLRQ lQ UnGJLYQLQJ

3URPHPRULDQV I|UVODJ 2P I|UVlNULQJVGLVWULEXWLRQHQ WLOOKDQGDKnOOV

Sn NXQGHQV LQLWLDWLY RFK LQJHQ UnGJLYQLQJ OlPQDV EHK|YHU I|UVlNULQJV

GLVWULEXW|UHQ LQWH XWI|UD QnJRQ SDVVDQGHEHG|PQLQJ RP NXQGHQ

opaginerad PHG I|UVlNULQJVGLVWULEXWLRQHQ Kontrollera mot PDF

LQIRUPHUDWV RP GHWWD RFK GLVWULEXWLRQHQ DYVHU I|UVlNULQJDU VRP HQGDVW JHU H[SRQHULQJ PRW LFNH NRPSOH[D ILQDQVLHOOD LQVWUXPHQW HOOHU RNRPSOLFHUDGH I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU (Q SDVVDQGHEHG|PQLQJ VND lQGn J|UDV RP HQ NUHGLW EHYLOMDV L VDPEDQG

PHG I|UVlNULQJVGLVWULEXWLRQHQ

6NlOHQ I|U SURPRULDQV I|UVODJ

Försäkringsdistributionsdirektivet

, I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO ILQQV HQ P|MOLJKHW I|U PHGOHPVVWDWHUQD DWW LQI|UD UHJOHU VRP LQQHElU DWW HQ I|UVlNULQJV I|UPHGODUH HOOHU HWW I|UVlNULQJVI|UHWDJ QlU GH WLOOKDQGDKnOOHU DQQDQ I|UVlNULQJVGLVWULEXWLRQ lQ UnGJLYQLQJ XQGHU YLVVD I|UXWVlWWQLQJDU LQWH EHK|YHU J|UD HQ SDVVDQGHEHG|PQLQJ 'HWWD JlOOHU XQGHU I|UXWVlWWQLQJ DWW YHUNVDPKHWHQ DYVHU DYWDO VRP HQGDVW JHU LQYHVWHULQJVH[SRQHULQJ I|U ILQDQVLHOOD LQVWUXPHQW VRP EHG|PV VRP LFNH NRPSOH[D RFK VRP LQWH LQQHKnOOHU HQ VWUXNWXU VRP J|U GHW VYnUW I|U NXQGHQ DWW I|UVWn GHQ GlUPHG I|UEXQGQD ULVNHQ HOOHU LFNH NRPSOH[D I|UVlNULQJVEDVHUDGH LQYHVWH ULQJVSURGXNWHU 9LGDUH PnVWH I|UVlNULQJVGLVWULEXWLRQHQ XWI|UDV Sn LQLWLDWLY DY NXQGHQ HOOHU GHQ SUHVXPWLYD NXQGHQ .XQGHQ HOOHU GHQ SUHVXPWLYD NXQGHQ PnVWH lYHQ NODUW RFK W\GOLJW KD LQIRUPHUDWV RP DWW I|UVlNULQJVI|UPHGODUHQ HOOHU I|UVlNULQJVI|UHWDJHW QlU GH WLOOKDQGDKnOOHU I|UVlNULQJVGLVWULEXWLRQHQ LQWH EHK|YHU EHG|PD GHQ WLOOKDQGDKnOOQD HOOHU HUEMXGQD I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHQV HOOHU GHQ WLOOKDQGD KnOOQD HOOHU HUEMXGQD I|UVlNULQJVGLVWULEXWLRQHQV lQGDPnOVHQOLJKHW RFK DWW NXQGHQ HOOHU GHQ SUHVXPWLYD NXQGHQ GlUI|U LQWH nWQMXWHU VDPPD VN\GG (Q VnGDQ YDUQLQJ InU OlPQDV L VWDQGDUGLVHUDG IRUP bYHQ L VnGDQD IDOO PnVWH I|UVlNULQJVI|UPHGODUHQ HOOHU I|UVlNULQJVI|UHWDJHW IXOOJ|UD VLQD VN\OGLJKHWHU QlU GHW JlOOHU I|UHE\JJDQGH RFK KDQWHULQJ DY LQWUHVVH NRQIOLNWHU

Genomförande i svensk rätt

5HJOHUQD RP XQGDQWDJ IUnQ SDVVDGHEHG|PQLQJ L I|UVlNULQJVGLVWULEX WLRQVGLUHNWLYHW DUWLNHO KDU XWIRUPDWV HIWHU I|UHELOG DY UHJOHU VRP ILQQV L 0L),' ,, DUWLNHO 'H UHJOHUQD L 0L),' ,, JHQRPI|UV L VYHQVN UlWW L EHVWlPPHOVHU L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ NDS † 0HG KlQV\Q WLOO GHW DQI|UGD E|U XWJnQJVSXQNWHQ YDUD DWW lYHQ EHVWlPPHOVHUQD DYVHHQGH XQGDQWDJ IUnQ SDVVDQGHEHG|PQLQJ L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ RFK ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ VND YDUD Vn OLND VRP P|MOLJW VH DYVQLWW RP HQKHWOLJD EHVWlPPHOVHU L GH EnGD ODJDUQD 'HWWD JlOOHU VlUVNLOW VRP GHW XQGDQWDJHW L 0L),' ,, LQWH LQQHElU QnJRQ YDOP|MOLJKHW I|U PHGOHPVVWDWHUQD XWDQ lU HWW REOLJDWRULVNW XQGDQWDJ 5HGDQ GH I|UXWVlWWQLQJDU VRP JlOOHU I|U XQGDQWDJHW VNDSDU I|UXWVlWWQLQJDU I|U HWW JRGWDJEDUW NXQGVN\GG

3n HQ SXQNW lU GHW GRFN PRWLYHUDW DWW GHW HQOLJW VYHQVN UlWW E|U JlOOD HQ K|JUH QLYn Sn NXQGVN\GGHW lQ GHQ PLQLPLQLYn VRP JlOOHU HQOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 'HW lU L GHW IDOO GlU HQ NUHGLW EHYLOMDV L VDPEDQG PHG I|UVlNULQJVGLVWULEXWLRQHQ 8QGHU VnGDQD RPVWlQGLJKHWHU InU GHW DQVHV DWW L OLNKHW PHG GHW VRP JlOOHU HQOLJW 0L),' ,, RFK ODJHQ

opaginerad 'RNXPHQWDWLRQ RFK UDSSRUWHULQJ WLOO NXQGHU Kontrollera mot PDF

RP YlUGHSDSSHUVPDUNQDGHQ NXQGHQ lU L HWW VnGDQW OlJH DWW I|UVlNULQJV GLVWULEXW|UHQ nWPLQVWRQH E|U XWI|UD HQ SDVVDQGHEHG|PQLQJ

'H GHWDOMHUDGH UHJOHU VRP NRPPHU DWW DQJHV L GHOHJHUDGH DNWHU VRP DQWDV DY NRPPLVVLRQHQ E|U XQGHU I|UXWVlWWQLQJ DWW GH DQWDV L IRUP DY GLUHNWLY JHQRPI|UDV JHQRP P\QGLJKHWVI|UHVNULIWHU VH DYVQLWW

, |YULJW KlQYLVDV WLOO GH |YHUYlJDQGHQ VRP UHJHULQJHQ JMRUGH PHG DQOHGQLQJ DY JHQRPI|UDQGHW L VYHQVN UlWW DY 0L),' ,, SURS V ±

'RNXPHQWDWLRQ RFK UDSSRUWHULQJ WLOO NXQGHU

3URPHPRULDQV I|UVODJ (Q I|UVlNULQJVGLVWULEXW|U VND GRNXPHQWHUD

YDG GLVWULEXW|UHQ RFK NXQGHQ NRPPLW |YHUHQV RP RFK OlPQD UDSSRUWHU

WLOO NXQGHQ RP GH WMlQVWHU VRP WLOOKDQGDKnOOLWV

(Q I|UVlNULQJVGLVWULEXW|U VRP WLOOKDQGDKnOOHU UnGJLYQLQJ VND OlPQD

HQ OlPSOLJKHWVI|UNODULQJ WLOO NXQGHQ RP PRWLYHQ WLOO GH UHNRPPHQ

GDWLRQHU VRP OlPQDWV

6NlOHQ I|U SURPRULDQV I|UVODJ

Försäkringsdistributionsdirektivet

(QOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO VND HQ I|UVlNULQJV I|UPHGODUH HOOHU HWW I|UVlNULQJVI|UHWDJ XSSUlWWD HQ GRNXPHQWDWLRQ VRP LQQHKnOOHU GH PHOODQ I|UVlNULQJVI|UPHGODUHQ HOOHU I|UVlNULQJVI|UHWDJHW RFK NXQGHQ |YHUHQVNRPQD KDQGOLQJDUQD L YLONHW HOOHU YLOND SDUWHUQDV UlWWLJKHWHU RFK VN\OGLJKHWHU DQJHV VDPW |YULJD YLOONRU I|U I|UVlNULQJV I|UPHGODUHQV HOOHU I|UVlNULQJVI|UHWDJHWV WLOOKDQGDKnOODQGH DY WMlQVWHU WLOO NXQGHQ 5lWWLJKHWHU RFK VN\OGLJKHWHU I|U |YHUHQVNRPPHOVHQV SDUWHU InU LQJn L IRUP DY KlQYLVQLQJDU WLOO DQGUD KDQGOLQJDU HOOHU UlWWVDNWHU

)|UVlNULQJVI|UPHGODUHQ HOOHU I|UVlNULQJVI|UHWDJHW Sn HWW YDUDNWLJW PHGLXP OlPQD WLOOIUHGVVWlOODQGH UDSSRUWHU WLOO NXQGHQ RP GH WMlQVWHU VRP WLOOKDQGDKnOOLWV DUWLNHO 'H UDSSRUWHULQJDUQD VND LQNOXGHUD UHJHO EXQGQD PHGGHODQGHQ WLOO NXQGHU PHG EHDNWDQGH DY W\SHQ DY RFK NRP SOH[LWHWHQ KRV GH DNWXHOOD I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHUQD RFK DUWHQ DY GHQ WMlQVW VRP WLOOKDQGDKnOOLWV NXQGHQ RFK VND L I|UH NRPPDQGH IDOO LQQHKnOOD XSSJLIWHU RP NRVWQDGHUQD I|U GH WUDQVDNWLRQHU RFK WMlQVWHU VRP XWI|UWV I|U NXQGHQV UlNQLQJ 1lU I|UVlNULQJVI|UPHGODUH HOOHU I|UVlNULQJVI|UHWDJ WLOOKDQGDKnOOHU UnGJLYQLQJ RP HQ I|UVlNULQJV EDVHUDG LQYHVWHULQJVSURGXNW VND GH LQQDQ DYWDOHW LQJnV OlPQD HWW OlPSOLJKHWVXWOnWDQGH WLOO NXQGHQ Sn HWW YDUDNWLJW PHGLXP VRP VSHFLIL FHUDU YLONHQ UnGJLYQLQJ VRP JHWWV RFK KXU GHQQD UnGJLYQLQJ PRWVYDUDU NXQGHQV SUHIHUHQVHU PnO RFK DQGUD HJHQVNDSHU

2P DYWDOHW LQJnV PHG KMlOS DY HQ WHNQLN I|U GLVWDQVNRPPXQLNDWLRQ VRP KLQGUDU DWW HWW OlPSOLJKHWVXWOnWDQGH WLOOKDQGDKnOOV L I|UYlJ InU I|UVlNULQJVI|UPHGODUHQ HOOHU I|UVlNULQJVI|UHWDJHW OlPQD HWW VNULIWOLJW OlPSOLJKHWVXWOnWDQGH Sn HWW YDUDNWLJW PHGLXP RPHGHOEDUW HIWHU GHW DWW NXQGHQ KDU EXQGLWV DY HWW DYWDO XQGHU I|UXWVlWWQLQJ DWW EnGD I|OMDQGH YLOO NRU lU XSSI\OOGD

opaginerad XWDQ RVNlOLJW GU|MVPnO HIWHU GHW DWW DYWDOHW LQJnWWV Kontrollera mot PDF

± .XQGHQ KDU JHWW VLWW VDPW\FNH WLOO DWW HUKnOOD OlPSOLJKHWVXWOnWDQGHW

XWDQ RVNlOLJW GU|MVPnO HIWHU GHW DWW DYWDOHW LQJnWWV

± )|UVlNULQJVI|UPHGODUHQ HOOHU I|UVlNULQJVI|UHWDJHW KDU HUEMXGLW

NXQGHQ P|MOLJKHWHQ DWW VHQDUHOlJJD LQJnHQGHW DY DYWDOHW Vn DWW OlPSOLJ

KHWVXWOnWDQGHW I|UVW NDQ HUKnOODV I|UH VnGDQW LQJnHQGH

2P HQ I|UVlNULQJVI|UPHGODUH HOOHU HWW I|UVlNULQJVI|UHWDJ KDU LQIRU

PHUDW NXQGHQ RP DWW GH NRPPHU DWW XWI|UD HQ UHJHOEXQGHQ OlPSOLJ

KHWVEHG|PQLQJ VND GHQ UHJHOEXQGQD UDSSRUWHQ LQQHKnOOD HQ XSSGDWHUDG

I|UNODULQJ RP KXU GHQ I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHQ PRW

VYDUDU NXQGHQV SUHIHUHQVHU PnO RFK DQGUD HJHQVNDSHU

Genomförande i svensk rätt

'H QX DNWXHOOD UHJOHUQD RP GRNXPHQWDWLRQ RFK UDSSRUWHULQJ WLOO NXQG L

I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO RFK E|U JHQRPI|UDV

L VYHQVN UlWW L PRWVYDUDQGH EHVWlPPHOVHU L ODJHQ RP I|UVlNULQJVGLVWUL

EXWLRQ

'HVVD UHJOHU L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW KDU XWIRUPDWV HIWHU

I|UHELOG DY UHJOHU VRP ILQQV L 0L),' ,, DUWLNHO RFK 'H

UHJOHUQD L 0L),' ,, JHQRPI|UV L VYHQVN UlWW L EHVWlPPHOVHU L ODJHQ RP

YlUGHSDSSHUVPDUNQDGHQ NDS ± †† 0HG KlQV\Q WLOO GHW DQI|UGD

E|U XWJnQJVSXQNWHQ YDUD DWW lYHQ EHVWlPPHOVHUQD DYVHHQGH

GRNXPHQWDWLRQ RFK UDSSRUWHULQJ L GHQ Q\D ODJHQ RP I|UVlNULQJV

GLVWULEXWLRQ RFK ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ VND YDUD Vn OLND VRP

P|MOLJW VH DYVQLWW RP HQKHWOLJD EHVWlPPHOVHU L GH EnGD ODJDUQD

, |YULJW KlQYLVDV WLOO GH |YHUYlJDQGHQ VRP UHJHULQJHQ JMRUGH PHG

DQOHGQLQJ DY JHQRPI|UDQGHW L VYHQVN UlWW DY 0L),' ,, SURS

V ±

5HJOHU VRP lU GLVSRVLWLYD YLG I|UVlNULQJVGLVWULEXWLRQ WLOO SURIHVVLRQHOOD NXQGHU

3URPHPRULDQV I|UVODJ 'H NUDY VRP DYVHU LQIRUPDWLRQ SDVVDQGH

EHG|PQLQJ RFK OlPSOLJKHWVEHG|PQLQJ VDPW GRNXPHQWDWLRQ RFK

UDSSRUWHULQJ VND YDUD GLVSRVLWLYD QlU I|UVlNULQJVGLVWULEXWLRQHQ VNHU L

I|UKnOODQGH WLOO HQ SURIHVVLRQHOO NXQG

6NlOHQ I|U SURPHPRULDQV I|UVODJ

Försäkringsdistributionsdirektivet

(QOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO InU PHGOHPV

VWDWHUQD I|UHVNULYD DWW GHQ VlUVNLOGD LQIRUPDWLRQ VRP VND OlPQDV RP

I|UGVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU DUWLNODUQD RFK LQWH

EHK|YHU OlPQDV WLOO HQ SURIHVVLRQHOO NXQG HQOLJW GHILQLWLRQHQ L 0L),' ,,

DUWLNHO L 0L),' ,,

Genomförande i svensk rätt

)UnJDQ lU RP GHQ P|MOLJKHW VRP PHGOHPVVWDWHUQD KDU HQOLJW I|UVlN

ULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO DWW LQI|UD XQGDQWDJ IUnQ GH QX

DNWXHOOD LQIRUPDWLRQVNUDYHQ E|U XWQ\WWMDV L VYHQVN UlWW RFK L Vn IDOO L

opaginerad XWDQ RVNlOLJW GU|MVPnO HIWHU GHW DWW DYWDOHW LQJnWWV Kontrollera mot PDF

YLONHQ RPIDWWQLQJ 8WDQ DWW L GHWDOM Jn LQ Sn UHNYLVLWHQ I|U DWW HQ NXQG VND DQVHV VRP SURIHVVLRQHOO NXQG HQOLJW 0L),' ,, NDQ GHW LQOHGQLQJVYLV NRQVWDWHUDV DWW GHQ IUnJDQ L KXYXGVDN JUXQGDU VLJ Sn KXUXYLGD NXQGHQ DQWLQJHQ lU HQ ILQDQVLHOO DNW|U HWW I|UHWDJ PHG HQ EHW\GDQGH YHUNVDPKHW HOOHU KDU EHJlUW DWW EHKDQGODV VRP HQ VnGDQ NXQG VH NDS RFK †† ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ

'HW ILQQV P\FNHW VRP WDODU I|U DWW SURIHVVLRQHOOD NXQGHU E|U NXQQD WLOO YDUDWD VLQD HJQD LQWUHVVHQ DQWLQJHQ VMlOYD HOOHU JHQRP DWW DQOLWD UnG JLYDUH RFK HIWHUIUnJD GHQ LQIRUPDWLRQ VRP GH DQVHU VLJ EHK|YD 'HW IUDPVWnU GlUI|U VRP DWW GHW ILQQV HWW EHJUlQVDW EHKRY DY WYLQJDQGH NXQGVN\GGVUHJOHU L GHW DYVHHQGHW

3URIHVVLRQHOOD NXQGHU NDQ L RFK I|U VLJ lYHQ YDUD I|UHWDJ VRP LQWH EH GULYHU QnJRQ ILQDQVLHOO YHUNVDPKHW 'HW lU EO D PHG KlQV\Q WLOO GHW LQWH PRWLYHUDW DWW KHOW XQGDQWD LQIRUPDWLRQVNUDYHQ YLG I|UVlNULQJVGLVWULEXWLRQ VRP VNHU L I|UKnOODQGH WLOO SURIHVVLRQHOOD NXQGHU 'HW E|U lYHQ QlPQDV DWW PRWVYDUDQGH LQIRUPDWLRQVNUDY L 0L),' ,, VRP XWJ|U I|UHELOGHQ I|U LQIRUPDWLRQVNUDYHQ L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW WLOOlPSDV WLOO YLVV GHO lYHQ L I|UKnOODQGH WLOO SURIHVVLRQHOOD NXQGHU 'HW lU VnOHGHV OlPSOLJDUH DWW HQGDVW GHOYLV LQI|UD GHW IULYLOOLJD XQGDQWDJHW L I|UVlN ULQJVGLVWULEXWLRQVGLUHNWLYHW L VYHQVN UlWW 'HW E|U VNH Sn Vn VlWW DWW LQIRU PDWLRQVNUDYHQ J|UV GLVSRVLWLYD L I|UKnOODQGH WLOO VnGDQ I|UVlNULQJV GLVWULEXWLRQ 3n Vn VlWW NDQ I|UVlNULQJVI|UHWDJHW HOOHU I|UVlNULQJVI|UPHG ODUHQ RFK GHQ SURIHVVLRQHOOD NXQGHQ EHU|UD IUnJDQ LQQDQ I|UVlNULQJV GLVWULEXWLRQHQ LQOHGV RFK Gn NRPPD |YHUHQV RP YDG VRP VND JlOOD GHP HPHOODQ 'H NUDY L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ VRP DYVHU LQIRUPDWLRQ SDVVDQGHEHG|PQLQJ RFK OlPSOLJKHWVEHG|PQLQJ VDPW GRNXPHQWDWLRQ RFK UDSSRUWHULQJ E|U VnOHGHV YDUD GLVSRVLWLYD QlU I|UVlNULQJVGLVWULEXWLRQHQ VNHU L I|UKnOODQGH WLOO HQ SURIHVVLRQHOO NXQG

.UDY YLG GLVWULEXWLRQ DY SHQVLRQVI|UVlNULQJDU VRP lU H[SRQHUDGH PRW PDUNQDGVYRODWLOLWHW

3URPHPRULDQV I|UVODJ (Q I|UVlNULQJVGLVWULEXW|U VRP GLVWULEXHUDU

SHQVLRQVI|UVlNULQJDU VRP lU H[SRQHUDGH PRW PDUNQDGVYRODWLOLWHW VND

WLOOlPSD UHJOHUQD DYVHHQGH I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU

QlU GHW JlOOHU HIIHNWLYD RUJDQLVDWRULVND RFK DGPLQLVWUDWLYD I|UIDUDQGHQ

LGHQWLILHULQJ RFK KDQWHULQJ DY LQWUHVVHNRQIOLNWHU WUHGMHSDUWVHUVlWW

QLQJDU OlPSOLJKHWVEHG|PQLQJ VDPW GRNXPHQWDWLRQ RFK UDSSRUWHULQJ

6NlOHQ I|U SURPHPRULDQV I|UVODJ

Försäkringsdistributionsdirektivet

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW lU L KXYXGVDN WLOOlPSOLJW lYHQ YLG GLVWULEXWLRQ DY SHQVLRQVI|UVlNULQJDU )UnQ GHILQLWLRQHQ DY I|UVlNULQJV EDVHUDGH LQYHVWHULQJVSURGXNWHU XQGDQWDV GRFN EO D SHQVLRQVI|UVlNULQJDU 'HW JlOOHU lYHQ L GH IDOO I|UVlNULQJDUQD lU H[SRQHUDGH PRW PDUNQDGV YRODWLOLWHW DUWLNHO 6RP HQ NRQVHNYHQV lU GH \WWHUOLJDUH NUDY VRP HQOLJW GLUHNWLYHW DUWLNODUQD ± JlOOHU YLG GLVWULEXWLRQ DY I|UVlN

opaginerad ULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU LQWH WLOOlPSOLJD Sn GLVWULEXWLRQ DY SHQVLRQVI|UVlNULQJDU Kontrollera mot PDF

ULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU LQWH WLOOlPSOLJD Sn GLVWULEXWLRQ DY SHQVLRQVI|UVlNULQJDU

Ett införande av ytterligare krav i svensk rätt

'HW E|U QRWHUDV DWW VNlOHW I|U DWW GLVWULEXWLRQ DY SHQVLRQVI|UVlNULQJDU lU XQGDQWDJHW IUnQ GH VlUVNLOGD UHJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW I|U I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU LQWH lU DWW GLVWULEXWLRQ LQRP GHQ SURGXNWNDWHJRULQ LQWH NDQ RPIDWWDV DY LQWUHVVHNRQIOLNWHU $QOHGQLQJHQ lU L VWlOOHW DWW PHGOHPVVWDWHUQDV SHQVLRQVV\VWHP VHGDQ OlQJH L K|J JUDG DQVHWWV XWJ|UD GHUDV LQWHUQD DQJHOlJHQKHWHU 9LGDUH YDULHUDU GHVVD V\VWHP P\FNHW IUnQ PHGOHPVVWDW WLOO PHGOHPVVWDW

)|U VYHQVNW YLGNRPPDQGH IUDPVWnU GHW VRP DQJHOlJHW DWW IOHUWDOHW DY GH VlUVNLOGD NUDY VRP I|UHVOnV L GHQQD SURPHPRULD QlU GHW JlOOHU I|UVlN ULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU lYHQ VND WLOOlPSDV YLG GLVWULEXWLRQ DY SHQVLRQVI|UVlNULQJDU VRP lU H[SRQHUDGH PRW PDUNQDGVYRODWLOLWHW , SUDNWLNHQ lU GHW KlU L DOOW YlVHQWOLJW IUnJD RP WMlQVWHSHQVLRQVI|UVlN ULQJDU VHWW WLOO DQWDO RFK WRWDO SUHPLHYRO\P (Q VnGDQ RUGQLQJ PRWLYHUDV DY DWW GHW NDQ XSSNRPPD LQWUHVVHNRQIOLNWHU lYHQ Sn GHQQD GHO DY I|UVlN ULQJVPDUNQDGHQ HIWHUVRP GHW L DOOW YlVHQWOLJW KDQGODU RP OLNQDQGH SURGXNWHU VRP DQGUD I|UVlNULQJDU I|U VSDUDQGHlQGDPnO YLOND I|UH WUlGHVYLV VNDWWHPlVVLJW EHKDQGODV ROLND 'HW ILQQV LQWH KHOOHU QnJUD VNlO I|U DWW XQGDQWD GLVWULEXWLRQ DY SHQVLRQVI|UVlNULQJDU L OMXVHW DY GHQ VDPODGH ELOGHQ DY GHQ UHJOHULQJ DY GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU VRP QX I|UHVOnV

1lU GHQ JlOOHU NUDYHQ DYVHHQGH HIIHNWLYD RUJDQLVDWRULVND RFK DGPL QLVWUDWLYD I|UIDUDQGHQ VDPW LGHQWLILHULQJ RFK KDQWHULQJ DY LQWUHVVH NRQIOLNWHU KDU lYHQ HQ I|UVlNULQJVWDJDUH HOOHU I|UVlNUDG LQRP UDPHQ I|U HQ SHQVLRQVI|UVlNULQJ HWW VN\GGVYlUW EHKRY DY DWW GHQ I|UVlNULQJV I|UPHGODUH HOOHU GHW I|UVlNULQJVI|UHWDJ VRP GLVWULEXHUDU SHQVLRQV SURGXNWHQ LQI|UW VnGDQD V\VWHP RFK DWW NXQGHQ IUHGDV IUnQ LQWUHVVH NRQIOLNWHU

1lU GHW JlOOHU WUHGMHSDUWVHUVlWWQLQJDU WRUGH GHW YDUD VYnUW DWW PRWLYHUD DWW YDG VRP QlUPDVW NDQ EHWUDNWDV VRP ´VNDGOLJD SURYLVLRQHU´ L IRUWVlWW QLQJHQ VND YDUD WLOOnWQD HQGDVW Sn SHQVLRQVPDUNQDGHQ 'HW I|UKnOODQGHW lQGUDV LQWH KHOOHU DY GH GLVWULEXWLRQVIRUPHU VRP I|UHNRPPHU Sn WMlQVWH SHQVLRQVPDUNQDGHQ W H[ DWW WMlQVWHSHQVLRQVSURGXNWHU XSSKDQGODV PHG ELWUlGH DY NYDOLILFHUDGH RPEXG RFK PHG RPIDWWDQGH UDEDWWHU

bYHQ VnGDQ OlPSOLJKHWVEHG|PQLQJ VRP VND JHQRPI|UDV YLG UnGJLY QLQJ E|U WLOOlPSDV YLG GLVWULEXWLRQ DY SHQVLRQVI|UVlNULQJDU YDUV YlUGH lU H[SRQHUDGH PRW PDUNQDGVYRODWLOLWHW 0RWLYHW WLOO GHW lU DWW lYHQ HQ I|UVlNULQJVWDJDUH HOOHU I|UVlNUDG LQRP UDPHQ I|U HQ SHQVLRQVI|UVlNULQJ YLG VSHFLILND UHNRPPHQGDWLRQHU KDU HWW PRWVYDUDQGH EHKRY DY DWW In VLQD LQGLYLGXHOOD I|UXWVlWWQLQJDU L I|UKnOODQGH WLOO I|UVlNULQJHQV LQYHVWHULQJV LQVODJ |YHUYlJGD 'HWVDPPD JlOOHU L IUnJD RP GRNXPHQWDWLRQ RFK UDSSRUWHULQJ HIWHUVRP lYHQ HQ SHQVLRQVI|UVlNULQJVNXQG KDU HWW PRW VYDUDQGH EHKRY DY DWW In GRNXPHQWDWLRQ RFK UDSSRUWHU , I|UHNRPPDQGH IDOO E|U I|UVlNULQJVI|UPHGODUHQ HOOHU I|UVlNULQJVI|UHWDJHW NXQQD IXOOJ|UD VLQD VN\OGLJKHWHU JHQRP HQ XSSGUDJVWDJDUH W H[ HQ I|UVlNULQJVI|UPHG ODUH HOOHU HQ YDOFHQWUDO 'H UHJOHU VRP I|UHVOnV L GHQQD SURPHPRULD WRUGH

LQWH KHOOHU SnYHUND GH SRVLWLYD HIIHNWHU L IUnJD RP GLVWULEXWLRQVIRUPHU RFK

opaginerad VWRUGULIWVI|UGHODU VRP XSSNRPPHU I|U NXQGHUQD LQRP GH ROLND XSSKDQG OLQJVIRUPHUQD VRP EO D GHQ V N NU\VVPDUNQDGHQ Kontrollera mot PDF

VWRUGULIWVI|UGHODU VRP XSSNRPPHU I|U NXQGHUQD LQRP GH ROLND XSSKDQG OLQJVIRUPHUQD VRP EO D GHQ V N NU\VVPDUNQDGHQ

'HW ILQQV HPHOOHUWLG LQWH QnJUD WLOOUlFNOLJW VWDUND VNlO I|U DWW GH VlU VNLOGD LQIRUPDWLRQVNUDYHQ lYHQ E|U JlOOD YLG GLVWULEXWLRQ DY SHQVLRQV I|UVlNULQJDU 'HWVDPPD JlOOHU NUDYHW Sn SDVVDQGHEHG|PQLQJ QlU QnJRQ UnGJLYQLQJ LQWH OlPQDV , GHWWD VDPPDQKDQJ E|U GHW EHDNWDV DWW GHW IUDPI|U DOOW Sn WMlQVWHSHQVLRQVRPUnGHW UHGDQ ILQQV YlOHWDEOHUDGH LQIRU PDWLRQVNDQDOHU RFK DWW YLOONRUHQ KDU I|UKDQGODWV L HQ SHQVLRQV|YHUHQV NRPPHOVH 3n Vn VlWW InU HQ WLOOUlFNOLJ EHG|PQLQJ DY SURGXNWHUQD UHGDQ DQVHV KD JMRUWV L I|UKnOODQGH WLOO NROOHNWLYHW 9LGDUH ULVNHUDU HQ REOLJD WRULVN UHJOHULQJ L GHVVD GHODU DWW UHVXOWHUD L DGPLQLVWUDWLYW EHWXQJDQGH NUDY VRP LQWH YlJV XSS DY HWW PRWVYDUDQGH |NDW NXQGVN\GG

(Q I|UVlNULQJVI|UPHGODUH HOOHU HWW I|UVlNULQJVI|UHWDJ VRP GLVWULEXHUDU SHQVLRQVI|UVlNULQJDU VRP lU H[SRQHUDGH PRW PDUNQDGVYRODWLOLWHW E|U VnOHGHV WLOOlPSD UHJOHUQD DYVHHQGH I|UVlNULQJVEDVHUDGH LQYHVWHULQJV SURGXNWHU L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ QlU GHW JlOOHU HIIHNWLYD RUJDQLVDWRULVND RFK DGPLQLVWUDWLYD I|UIDUDQGHQ LGHQWLILHULQJ RFK KDQWHULQJ DY LQWUHVVHNRQIOLNWHU WUHGMHSDUWVHUVlWWQLQJDU OlPSOLJKHWV EHG|PQLQJ VDPW GRNXPHQWDWLRQ RFK UDSSRUWHULQJ

<WWHUOLJDUH EHVWlPPHOVHU L I|UHVNULIWHU Sn OlJUH QLYn lQ ODJ

3URPHPRULDQV I|UVODJ 5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU PHGGHOD I|UHVNULIWHU RP YDG HQ I|UVlNULQJVGLVWULEXW|U VND LDNWWD YLG GLVWULEXWLRQ DY I|UVlNULQJV EDVHUDGH LQYHVWHULQJVSURGXNWHU RFK YLVVD SHQVLRQVI|UVlNULQJDU I|U DWW XSSI\OOD NUDYHQ DYVHHQGH I|UHE\JJDQGH RFK KDQWHULQJ DY LQWUHVVH NRQIOLNWHU LQIRUPDWLRQ WLOO NXQGHU WUHGMHSDUWVHUVlWWQLQJDU OlPSOLJ KHWV RFK SDVVDQGHEHG|PQLQJDU VDPW GRNXPHQWDWLRQ RFK UDSSRUWHULQJ

6NlOHQ I|U SURPHPRULDQV I|UVODJ

Försäkringsdistributionsdirektivet

(QOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNODUQD RFK InU NRP PLVVLRQHQ DQWD GHOHJHUDGH DNWHU PHG DYVHHQGH Sn LQWUHVVHNRQIOLNWHU DUWLNHO LQIRUPDWLRQ DUWLNHO RFK EHG|PQLQJ DY OlPSOLJKHW RFK lQGDPnOVHQOLJKHW VDPW UDSSRUWHULQJ WLOO NXQGHU DUWLNHO

'H GHOHJHUDGH DNWHUQD VND I|U GHW I|UVWD DYVH GHOV nWJlUGHU VRP I|UVlNULQJVI|UPHGODUH RFK I|UVlNULQJVI|UHWDJ ULPOLJHQ NDQ I|UYlQWDV JHQRPI|UD I|U DWW LGHQWLILHUD I|UHE\JJD KDQWHUD RFK LQIRUPHUD RP LQWUHVVHNRQIOLNWHU QlU GH EHGULYHU I|UVlNULQJVGLVWULEXWLRQVYHUNVDPKHW GHOV OlPSOLJD NULWHULHU I|U EHVWlPQLQJ DY YLOND W\SHU DY LQWUHVVHNRQIOLNWHU VRP NDQ YDUD WLOO VNDGD I|U I|UVlNULQJVI|UPHGODUHV HOOHU I|UVlNULQJV I|UHWDJV NXQGHUV HOOHU SUHVXPWLYD NXQGHUV LQWUHVVHQ DUWLNHO

'H GHOHJHUDGH DNWHUQD VND lYHQ DYVH GHOV NULWHULHUQD I|U EHG|PQLQJ DY KXUXYLGD LQFLWDPHQW VRP EHWDODWV HOOHU PRWWDJLWV DY HQ I|UVlNULQJV I|UPHGODUH HOOHU HWW I|UVlNULQJVI|UHWDJ KDU HQ QHJDWLY LQYHUNDQ Sn NYDOLWHWHQ Sn GHQ UHOHYDQWD WMlQVWHQ WLOO NXQGHQ GHOV NULWHULHUQD I|U

opaginerad Genomförande i svensk rätt Kontrollera mot PDF

EHG|PQLQJ DY KXUXYLGD I|UVlNULQJVI|UPHGODUH RFK I|UVlNULQJVI|UHWDJ VRP EHWDODU HOOHU PRWWDU LQFLWDPHQW IXOOJ|U VLQD VN\OGLJKHWHU DWW DJHUD KHGHUOLJW UlWWYLVW RFK SURIHVVLRQHOOW L HQOLJKHW PHG VLQD NXQGHUV ElVWD LQWUHVVH DUWLNHO , GH GHOHJHUDGH DNWHUQD VND EHDNWDV DUWHQ DY GH WMlQVWHU VRP NXQGHQ HOOHU GHQ SUHVXPWLYD NXQGHQ HUEMXGV HOOHU WLOOKDQGDKnOOV PHG EHDNWDQGH DY WUDQVDNWLRQHUQDV W\S I|UHPnO VWRUOHN RFK IUHNYHQV 'HWWD JlOOHU lYHQ DUWHQ DY GH SURGXNWHU VRP HUEMXGV HOOHU WDV XQGHU |YHUYlJDQGH LQNOXVLYH ROLND W\SHU DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU

9LGDUH VND L GHOHJHUDGH DNWHU DQJHV KXU I|UVlNULQJVI|UPHGODUH RFK I|UVlNULQJVI|UHWDJ VND XSSI\OOD NUDYHQ Sn EHG|PQLQJ DY OlPSOLJKHW lQGDPnOVHQOLJKHW RFK UDSSRUWHULQJ DUWLNHO

Genomförande i svensk rätt

.RPPLVVLRQHQ KDU HQOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNODUQD RFK VnOHGHV P|MOLJKHW DWW DQWD GHOHJHUDGH DNWHU PHG \WWHUOLJDUH UHJOHU RP LQWUHVVHNRQIOLNWHU LQIRUPDWLRQ EHG|PQLQJ DY OlPSOLJKHW RFK lQGD PnOVHQOLJKHW VDPW UDSSRUWHULQJ WLOO NXQGHU (LRSD SXEOLFHUDGH L DSULO HWW NRQVXOWDWLRQVGRNXPHQW RFK JDY DOOD EHU|UGD P|MOLJKHW DWW OlPQD V\QSXQNWHU VHQDVW GHQ RNWREHU (LRSD KDU GHQ IHEUXDUL OlPQDW HWW VOXWOLJW I|UVODJ DYVHHQGH GHOHJHUDGH DNWHU WLOO NRPPLVVLRQHQ

$Y I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO L I|OMHU DWW HQ GHOHJHUDG DNW VRP EHVOXWDWV DY NRPPLVVLRQHQ PHG VW|G DY GLUHNWLYHW LQWH WUlGHU L NUDIW RP DQWLQJHQ (XURSDSDUODPHQWHW HOOHU UnGHW KDU JMRUW LQYlQG QLQJDU PRW GHQ (Q GHOHJHUDG DNW PHG \WWHUOLJDUH I|UHVNULIWHU RP GH NUDY VRP JlOOHU L IUnJD RP SURYLVLRQVEHJUlQVQLQJDU NDQ KD IRUPHQ DY DQWLQJHQ HWW GLUHNWLY HOOHU HQ I|URUGQLQJ 'HW lU I|U QlUYDUDQGH LQWH NlQW YLONHQ IRUP GH GHOHJHUDGH DNWHUQD PHG UHJOHU VRP NRPSOHWWHUDU I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW NRPPHU DWW KD

'HW NDQ NRQVWDWHUDV DWW (LRSDV I|UVODJ LQQHKnOOHU GHODU VRP lU YlONRPQD XU HWW NXQGVN\GGVSHUVSHNWLY , I|UVODJHW DQJHV EO D UHODWLYW W\GOLJW DWW YLVVD W\SHU DY HUVlWWQLQJDU SURYLVLRQHU InU DQVHV SnYHUND WMlQVWHQ QHJDWLYW Sn GHW VlWW VRP DYVHV L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO

2P HQ NRPPDQGH GHOHJHUDG DNW JHV IRUPHQ DY HWW GLUHNWLY NRPPHU GHQ DWW EHK|YD JHQRPI|UDV L VYHQVN UlWW HQ GHOHJHUDG I|URUGQLQJ lU GlUHPRW GLUHNW WLOOlPSOLJ L VYHQVN UlWW $WW G|PD DY (LRSDV I|UVODJ NRPPHU LQQHKnOOHW L GH GHOHJHUDGH DNWHUQD DWW YDUD DY HQ I|UKnOODQGHYLV K|J GHWDOMHULQJVJUDG 0RW GHQ EDNJUXQGHQ IUDPVWnU GHW VRP OlPSOLJW DWW GH GHOHJHUDGH DNWHUQD HQOLJW DUWLNHO JHQRPI|UV L VYHQVN UlWW JHQRP P\QGLJKHWVI|UHVNULIWHU $Y GHW VNlOHW E|U UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU In PHGGHOD I|UHVNULIWHU L DQVOXWQLQJ WLOO GH \WWHUOLJDUH EHVWlPPHOVHU L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ VRP HQOLJW I|UHVODJHW L GHQQD SURPHPRULD VND JlOOD YLG GLVWULEXWLRQ DY I|U VlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU

'HW lU L GDJVOlJHW GHOYLV RNODUW RP KXUXYLGD GHW L GH GHOHJHUDGH DNWHU VRP InU DQWDV DY NRPPLVVLRQHQ NRPPHU ILQQDV QnJUD QlUPDUH EHVWlP PHOVHU RP YDG I|UVlNULQJVI|UPHGODUH RFK I|UVlNULQJVI|UHWDJ VND LDNWWD I|U DWW XSSI\OOD NUDYHQ L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW Sn HIIHNWLYD

RUJDQLVDWRULVND RFK DGPLQLVWUDWLYD I|UIDUDQGHQ I|U DWW I|UHE\JJD LQWUHVVH

opaginerad NRQIOLNWHU DUWLNHO 'H UHJOHUQD DQJHV QlPOLJHQ LQWH L GHQ XSSUlNQLQJ Kontrollera mot PDF

NRQIOLNWHU DUWLNHO 'H UHJOHUQD DQJHV QlPOLJHQ LQWH L GHQ XSSUlNQLQJ

L GLUHNWLYHW DUWLNHO DY YDG GH GHOHJHUDGH DNWHUQD InU DYVH .RPPLV

VLRQHQ InU HPHOOHUWLG DQWD GHOHJHUDGH DNWHU QlU GHW JlOOHU EO D nWJlUGHU I|U

DWW I|UHE\JJD LQWUHVVHNRQIOLNWHU DUWLNHO 2DYVHWW KXU GHW I|UKnOOHU

VLJ ILQQV GHW GRFN HWW EHKRY DY UHODWLYW GHWDOMHUDGH EHVWlPPHOVHU VRP NDQ

NRPSOHWWHUD GH EHVWlPPHOVHU VRP HQOLJW I|UVODJHW L DYVQLWW VND

JlOOD Sn GHWWD RPUnGH HQOLJW GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU E|U GlUI|U In

PHGGHOD I|UHVNULIWHU RP YDG HQ I|UVlNULQJVI|UPHGODUH HOOHU HWW I|UVlN

ULQJVI|UHWDJ VND LDNWWD YLG GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWH

ULQJVSURGXNWHU I|U DWW XSSI\OOD NUDYHQ DYVHHQGH I|UHE\JJDQGH RFK KDQWH

ULQJ DY LQWUHVVHNRQIOLNWHU

1lU GHW JlOOHU GH VlUVNLOGD LQIRUPDWLRQVNUDYHQ L I|UVlNULQJVGLVWULEX

WLRQVGLUHNWLYHW DUWLNHO NDQ I|OMDQGH QRWHUDV .RPPLVVLRQHQ InU DQWD

GHOHJHUDGH DNWHU lYHQ QlU GHW JlOOHU UHJOHUQD RP LQIRUPDWLRQ WLOO NXQGHU

VH DUWLNHO L GLUHNWLYHW 1lU GHW L GLUHNWLYHW DUWLNHO SUHFLVHUDV

YLONHW LQQHKnOO VRP GH GHOHJHUDGH DNWHUQD VND KD DQJHV GHW GRFN LQWH

XWWU\FNOLJHQ DWW GH VND DYVH LQIRUPDWLRQVNUDY )|UKnOODQGHW NDQ VnOHGHV

DQVHV YDUD GHOYLV GHW RPYlQGD MlPI|UW PHG VRP DQJHV RYDQ RP GHOH

JHUDGH DNWHU QlU GHW JlOOHU HIIHNWLYD DGPLQLVWUDWLYD RFK RUJDQLVDWRULVND

I|UIDUDQGHQ I|U DWW I|UHE\JJD LQWUHVVHNRQIOLNWHU 'HW ILQQV GRFN HWW EHKRY

DY UHODWLYW GHWDOMHUDGH EHVWlPPHOVHU VRP NRPSOHWWHUDU GH EHVWlPPHOVHU

RP LQIRUPDWLRQVNUDY VRP HQOLJW I|UVODJHW L DYVQLWW VND JlOOD HQOLJW

GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ 5HJHULQJHQ HOOHU GHQ

P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU E|U GlUI|U In PHGGHOD I|UHVNULIWHU

RP YDG HQ I|UVlNULQJVI|UPHGODUH HOOHU HWW I|UVlNULQJVI|UHWDJ VND LDNWWD

YLG GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU I|U DWW

XSSI\OOD NUDYHQ DYVHHQGH LQIRUPDWLRQ WLOO NXQGHU

1lU GHW VHGDQ JlOOHU GH EHVWlPPHOVHU L GHQ Q\D ODJHQ RP I|UVlNULQJV

GLVWULEXWLRQ VRP HQOLJW I|UVODJHW L DYVQLWW VND YDUD WLOOlPSOLJD lYHQ

YLG GLVWULEXWLRQ DY YLVVD SHQVLRQVI|UVlNULQJDU NDQ GHW NRQVWDWHUDV DWW GH

GHOHJHUDGH DNWHUQD VRP DQWDV DY NRPPLVVLRQHQ LQWH lU WLOOlPSOLJD 'HW

InU GRFN DQVHV YDUD OlPSOLJW DWW UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP

UHJHULQJHQ EHVWlPPHU InU PHGGHOD PRWVYDUDQGH I|UHVNULIWHU RP YDG HQ

I|UVlNULQJVI|UPHGODUH HOOHU HWW I|UVlNULQJVI|UHWDJ VND LDNWWD I|U DWW

XSSI\OOD NUDYHQ lYHQ QlU GHW JlOOHU VnGDQD SHQVLRQVI|UVlNULQJDU , GHW

VDPPDQKDQJHW E|U GHW EHWRQDV DWW GH I|UHVNULIWHUQD E|U KlQV\Q WDV WLOO GH

GLVWULEXWLRQVIRUPHU VRP I|UHNRPPHU Sn SHQVLRQVRPUnGHW 0RW GHQ

EDNJUXQGHQ E|U I|UHVNULIWHUQD WLOO RFK PHG NXQQD PHGJH YLVVD XQGDQWDJ

IUnQ GH NUDY VRP HQOLJW I|UVODJHQ L GHQQD SURPHPRULD VND JlOOD

I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU L GH IDOO GHW DQVHV Q|GYlQGLJW

L I|UKnOODQGH WLOO SHQVLRQVPDUNQDGHQV IXQNWLRQ 'HWWD lU VlUVNLOW YLNWLJW

HIWHUVRP GHW lU VYnUW DWW Sn I|UKDQG I|UXWVH VDPWOLJD HIIHNWHU L GHW

DYVHHQGHW

'HW ILQQV DY QDWXUOLJD VNlO LQWH KHOOHU QnJUD UHJOHU L GHOHJHUDGH DNWHU

QlU GHW JlOOHU GHW I|UEXG PRW XS IURQW HUVlWWQLQJDU VRP I|UHVOnV L DYVQLWW

5HJOHULQJHQ DY HUVlWWQLQJVPRGHOOHU lU DY WHNQLVN QDWXU RFK GHW

ILQQV GlUI|U DQOHGQLQJ DWW NRPSOHWWHUD GH EHVWlPPHOVHU VRP HQOLJW

I|UVODJHW VND JlOOD HQOLJW GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ 'HW

E|U NUlYDV EHVWlPPHOVHU PHG HQ I|UKnOODQGHYLV K|J GHWDOMHULQJVJUDG RFK

GHW IUDPVWnU GlUI|U VRP OlPSOLJW DWW LQI|UD VnGDQD L P\QGLJKHWVI|UH

opaginerad 7LOOV\Q RFK LQJULSDQGHQ Kontrollera mot PDF

VNULIWHU 'HWWD JlOOHU EnGH EHVWlPPHOVHU VRP WUlIIDU EHILQWOLJD RWLOOE|UOLJD HUVlWWQLQJVPRGHOOHU PHQ lYHQ VnGDQD VRP NDQ WlQNDV XSSVWn L IUDPWLGHQ HOOHU UHQW DY VRP HQ NRQVHNYHQV DY GHW Q\D UHJHOYHUN VRP I|UHVOnV 5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU E|U GlUI|U In PHGGHOD I|UHVNULIWHU RP YDG HQ I|UVlNULQJVI|UPHGODUH HOOHU HWW I|UVlN ULQJVI|UHWDJ VND LDNWWD YLG GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWH ULQJVSURGXNWHU I|U DWW XSSI\OOD NUDYHQ DYVHHQGH VnGDQD WUHGMHSDUWV HUVlWWQLQJDU

7LOOV\Q RFK LQJULSDQGHQ

7LOOV\Q

%HK|ULJ P\QGLJKHW RFK UHJLVWUHULQJVP\QGLJKHW

3URPHPRULDQV I|UVODJ )LQDQVLQVSHNWLRQHQ VND YDUD EHK|ULJ P\Q

GLJKHW PHG DQVYDU I|U WLOOV\Q |YHU I|UVlNULQJVGLVWULEXW|UHUQD

%HVWlPPHOVHUQD RP %RODJVYHUNHW VRP UHJLVWUHULQJVP\QGLJKHW RFK

GHVV YHUNVDPKHW L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ VND I|UDV |YHU

RI|UlQGUDGH WLOO ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

6NlOHQ I|U SURPHPRULDQV I|UVODJ 'HW VDNQDV VNlO DWW lQGUD GHQ L GDJ JlOODQGH RUGQLQJHQ DWW )LQDQVLQVSHNWLRQHQ lU WLOOV\QVP\QGLJKHW I|U I|UVlNULQJVI|UPHGODUHV RFK I|UVlNULQJVI|UHWDJV I|UVlNULQJVGLVWULEXWLRQ RFK DWW %RODJVYHUNHW lU UHJLVWUHULQJVP\QGLJKHW MIU DYVQLWW 'lUI|U E|U L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ Sn PRWVYDUDQGH VlWW VRP L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ NDS RFK †† DQJHV DWW GH EnGD P\QGLJKHWHUQD VND KD NYDU GHVVD XSSJLIWHU bYHQ EHVWlPPHOVHQ RP KDQGOlJJQLQJHQ YLG UHJLVWUHULQJ E|U I|UDV |YHU RI|UlQGUDG WLOO GHQ Q\D ODJHQ NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ *HQRP GHQQD RUGQLQJ WLOOJRGRVHV NUDYHW L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW Sn DWW 6YHULJH VRP PHGOHPVVWDW VND XWVH HQ EHK|ULJ P\QGLJKHW DUWLNHO RFK NUDYHW Sn UHJLVWUHULQJ DY I|UVlNULQJVGLVWULEXW|UHU DUWLNHO I|UVWD VW\FNHW

7LOOV\QHQ |YHU I|UVlNULQJVGLVWULEXW|UHU

3URPHPRULDQV I|UVODJ )LQDQVLQVSHNWLRQHQ VND KD WLOOV\Q |YHU DWW

GHQ VRP L 6YHULJH EHGULYHU I|UVlNULQJVGLVWULEXWLRQ I|OMHU ODJHQ RP

I|UVlNULQJVGLVWULEXWLRQ RFK DQGUD I|UIDWWQLQJDU VRP UHJOHUDU I|UVlN

ULQJVGLVWULEXW|UHQV YHUNVDPKHW

)LQDQVLQVSHNWLRQHQ VND GlUXW|YHU KD WLOOV\Q |YHU VYHQVND I|UVlN

ULQJVGLVWULEXW|UHU VRP EHGULYHU I|UVlNULQJVGLVWULEXWLRQ L HWW DQQDW ODQG

LQRP ((6

3URPHPRULDQV EHG|PQLQJ )|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

VWlOOHU XSS HWW NUDY Sn DWW GHQ EHK|ULJD P\QGLJKHWHQ L HWW YlUGODQG

XW|YDU WLOOV\Q |YHU ((6 I|UVlNULQJVI|UPHGODUH VRP EHGULYHU YHUN

VDPKHW L YlUGODQGHW 'HWWD NUDY WLOOJRGRVHV JHQRP DWW )LQDQVLQVSHN

opaginerad GLVWULEXWLRQ Kontrollera mot PDF

WLRQHQ VND KD WLOOV\Q |YHU GHQ VRP L 6YHULJH EHGULYHU I|UVlNULQJV

GLVWULEXWLRQ

6NlOHQ I|U SURPHPRULDQV I|UVODJ RFK EHG|PQLQJ

Allmänna utgångspunkter för tillsynen

6RP IUDPJnU RYDQ RPIDWWDU I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW L VWRUW VHWW DOO GLVWULEXWLRQ DY I|UVlNULQJVSURGXNWHU VH W H[ DYVQLWW 'lUPHG RP IDWWDV RFNVn PHUSDUWHQ DY GH DNW|UHU VRP YHUNDU Sn I|UVlNULQJVPDUN QDGHQ DY VN\OGLJKHWHU VRP DQJHV L GLUHNWLYHW (QOLJW I|UVlNULQJVGLVWULEX WLRQVGLUHNWLYHW VND PHGOHPVVWDWHUQD VH WLOO DWW GH EHK|ULJD P\QGLJKHWHUQD XW|YDU WLOOV\Q |YHU PDUNQDGHQ LQEHJULSHW PDUNQDGHQ I|U VLGRRUGDQGH I|UVlNULQJVSURGXNWHU VRP PDUNQDGVI|UV GLVWULEXHUDV HOOHU VlOMV L HOOHU IUnQ GHUDV PHGOHPVVWDW DUWLNHO 'H EHK|ULJD P\QGLJKHWHUQD VND HQOLJW GLUHNWLYHW KD DOOD GH EHIRJHQKHWHU VRP lU Q|GYlQGLJD I|U DWW JHQRPI|UD VLQD XSSJLIWHU HQOLJW GLUHNWLYHW DUWLNHO

6RP IUDPJnU QHGDQ LQQHKnOOHU I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW GHWDOM HUDGH RFK GHOYLV Q\D VDQNWLRQVUHJOHU VRP VND JHQRPI|UDV L VYHQVN UlWW VH DYVQLWW QHGDQ 'HQ VDQNWLRQVUHJLP VRP I|OMHU DY GLUHNWLYHW I|U XWVlWWHU DWW GH EHK|ULJD P\QGLJKHWHUQD L PHGOHPVVWDWHUQD NDQ XW|YD HQ HIIHNWLY WLOOV\Q |YHU GH ROLND W\SHU DY DNW|UHU VRP RPIDWWDV DY GLUHNWLYHW RFK DWW P\QGLJKHWHQ L WLOOV\QHQ NDQ LQJULSD PRW GHVVD DNW|UHU PHG GH VDQNWLRQHU RFK DQGUD nWJlUGHU VRP DQJHV L GLUHNWLYHW )LQDQVLQVSHNWLRQHQ E|U GlUI|U KD WLOOV\Q |YHU DWW GHQ VRP L 6YHULJH EHGULYHU I|UVlNULQJV GLVWULEXWLRQ I|OMHU ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ RFK DQGUD I|UIDWW QLQJDU VRP UHJOHUDU I|UVlNULQJVGLVWULEXW|UHQV YHUNVDPKHW 'lULJHQRP VlNHUVWlOOV DWW )LQDQVLQVSHNWLRQHQ InU GH EHIRJHQKHWHU VRP LQVSHNWLRQHQ EHK|YHU KD I|U DWW XWI|UD VLWW WLOOV\QVXSSGUDJ 3n Vn VlWW WLOOJRGRVHV RFNVn NUDYHW L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DWW 6YHULJH VRP PHGOHPVVWDW VND JH GHQ EHK|ULJD P\QGLJKHWHQ DOOD GH EHIRJHQKHWHU VRP GHQ EHK|YHU I|U DWW NXQQD XWI|UD VLQD XSSJLIWHU DUWLNHO

Tillsyn vid verksamhet över gränserna

1lU HQ ((6 I|UVlNULQJVI|UPHGODUH EHGULYHU I|UVlNULQJVGLVWULEXWLRQ L HWW DQQDW ODQG LQRP ((6 lQ KHPODQGHW VND GHQ EHK|ULJD P\QGLJKHWHQ L GHW ODQG GlU YHUNVDPKHWHQ EHGULYV DQWLQJHQ LQJULSD HOOHU XQGHUUlWWD GHQ EHK|ULJD P\QGLJKHWHQ L KHPODQGHW RP ((6 I|UVlNULQJVI|UPHGODUHQ |YHUWUlGHU GH EHVWlPPHOVHU VRP I|OMHU DY I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW DUWLNODUQD RFK 6RP IUDPJnU QHGDQ XQGHU DYVQLWW lU GHQ EHK|ULJD P\QGLJKHWHQ L YlUGODQGHWV P|MOLJKHWHU DWW DJHUD EHURHQGH DY GHOV RP ((6 I|UVlNULQJVI|UPHGODUHQ EHGULYHU YHUNVDPKHW L YlUGODQGHW PHG VW|G DY HWDEOHULQJVIULKHWHQ HOOHU IULKHWHQ DWW WLOOKDQGDKnOOD WMlQVWHU GHOV YLOND UHJOHU L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW |YHUWUlG HOVHQ DYVHU 'HQ EHK|ULJD P\QGLJKHWHQ L YlUGODQGHW KDU L DOOD IDOO HQ VN\OGLJKHW HQOLJW GLUHNWLYHW DWW nWPLQVWRQH XQGHUUlWWD GHQ EHK|ULJD P\QGLJKHWHQ L KHPODQGHW RP |YHUWUlGHOVHU VRP EHJnV DY ((6 I|UVlN ULQJVI|UPHGODUH VRP EHGULYHU YHUNVDPKHW LQRP GHVV WHUULWRULXP )|U DWW XSSI\OOD GLUHNWLYHWV NUDY L GHWWD DYVHHQGH E|U )LQDQVLQVSHNWLRQHQ lYHQ DQVYDUD I|U DWW XW|YD WLOOV\Q |YHU ((6 I|UVlNULQJVI|UPHGODUH VRP

EHGULYHU I|UVlNULQJVGLVWULEXWLRQ L 6YHULJH PHG VW|G DY HWDEOHULQJVIULKHWHQ

opaginerad gYHUHQVNRPPHOVH RP |YHUI|ULQJ DY WLOOV\QVDQVYDU Kontrollera mot PDF

HOOHU IULKHWHQ DWW WLOOKDQGDKnOOD WMlQVWHU 'HWWD LQQHElU HPHOOHUWLG LQWH VRP UHGRYLVDV QHGDQ L DYVQLWW DWW )LQDQVLQVSHNWLRQHQ KDU P|MOLJKHWHU DWW LQJULSD GLUHNW PRW HQ ((6 I|UVlNULQJVI|UPHGODUH L DOOD VLWXDWLRQHU VRP GHQ J|U VLJ VN\OGLJ WLOO HQ |YHUWUlGHOVH YLONHW NDQ IUDPVWn VRP RWLOOIUHGVVWlOODQGH )|U DWW NXQQD IXOOJ|UD XQGHUUlWWHOVHVN\OGLJKHWHQ WLOO GHQ EHK|ULJD P\QGLJKHWHQ L KHPODQGHW NUlYV GRFN DWW DQVYDUHW I|U GHQ IRUPHOOD WLOOV\QHQ OlJJV Sn )LQDQVLQVSHNWLRQHQ $WW )LQDQVLQVSHNWLRQHQV WLOOV\Q lYHQ VND RPIDWWD ((6 I|UVlNULQJVI|UPHGODUH VRP EHGULYHU I|UVlNULQJVGLVWULEXWLRQ L 6YHULJH I|OMHU UHGDQ DY I|UVODJHW RYDQ RP DWW LQVSHNWLRQHQ VND KD WLOOV\Q |YHU GHP VRP KlU L ODQGHW EHGULYHU I|UVlNULQJVGLVWULEXWLRQ

6YHQVND I|UVlNULQJVI|UPHGODUH NDQ EHGULYD I|UVlNULQJVGLVWULEXWLRQ L DQGUD PHGOHPVVWDWHU PHG VW|G DY HWDEOHULQJVIULKHWHQ HOOHU IULKHWHQ DWW WLOOKDQGDKnOOD WMlQVWHU 2P HQ VYHQVN I|UVlNULQJVI|UPHGODUH VRP EHGULYHU I|UVlNULQJVGLVWULEXWLRQ L HWW DQQDW ODQG LQRP ((6 |YHUWUlGHU EHVWlP PHOVHU VRP JlOOHU I|U GHQ YHUNVDPKHWHQ VND GHQ EHK|ULJD P\QGLJKHWHQ L GHW ODQGHW XQGHU YLVVD I|UXWVlWWQLQJDU RFK Sn PRWVYDUDQGH VlWW VRP HQOLJW RYDQ XQGHUUlWWD )LQDQVLQVSHNWLRQHQ RP |YHUWUlGHOVHQ 6RP IUDPJnU QHGDQ L DYVQLWW DQNRPPHU GHW Sn )LQDQVLQVSHNWLRQHQ DWW LQJULSD PRW VYHQVND I|UVlNULQJVI|UPHGODUH Sn ROLND VlWW , GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ E|U GHW GlUI|U WDV LQ HQ VlUVNLOG EHVWlPPHOVH RP DWW )LQDQVLQVSHNWLRQHQV WLOOV\Q lYHQ RPIDWWDU VYHQVND I|UVlNULQJVI|UPHG ODUH VRP EHGULYHU I|UVlNULQJVGLVWULEXWLRQ L HWW DQQDW ODQG LQRP ((6

1lU GHW JlOOHU XWOlQGVND I|UVlNULQJVI|UPHGODUH VRP LQWH K|U KHPPD LQRP ((6 RFK VRP EHGULYHU I|UVlNULQJVGLVWULEXWLRQ L 6YHULJH E|U )LQDQV LQVSHNWLRQHQ KD VDPPD WLOOV\QVDQVYDU VRP I|U VYHQVND I|UVlNULQJV I|UPHGODUH )LQDQVLQVSHNWLRQHQ E|U In LQJULSD PRW GHVVD L VDPPD RPIDWW QLQJ RFK XQGHU VDPPD I|UXWVlWWQLQJDU VRP L IUnJD RP VYHQVND I|UVlNULQJVI|UPHGODUH VH DYVQLWW $WW )LQDQVLQVSHNWLRQHQV WLOOV\Q lYHQ VND RPIDWWD VnGDQD XWOlQGVND I|UVlNULQJVI|UPHGODUH VRP EHGULYHU I|UVlNULQJVGLVWULEXWLRQ L 6YHULJH I|OMHU UHGDQ DY I|UVODJHW RYDQ RP DWW LQVSHNWLRQHQ VND KD WLOOV\Q |YHU GHP VRP KlU L ODQGHW EHGULYHU I|UVlNULQJVGLVWULEXWLRQ

gYHUHQVNRPPHOVH RP |YHUI|ULQJ DY WLOOV\QVDQVYDU

3URPHPRULDQV I|UVODJ 2P )LQDQVLQVSHNWLRQHQ HQOLJW HQ |YHUHQV

NRPPHOVH PHG HQ EHK|ULJ P\QGLJKHW L HWW DQQDW ODQG LQRP ((6 KDU

WDJLW |YHU DQVYDUHW I|U WLOOV\QHQ |YHU HQ ((6 I|UVlNULQJVI|UPHGODUH

VRP KDU VLWW KXYXGVDNOLJD YHUNVDPKHWVVWlOOH L 6YHULJH VND )LQDQV

LQVSHNWLRQHQ KD WLOOV\Q |YHU GHQ YHUNVDPKHW VRP I|UPHGODUHQ EHGULYHU

KlU L ODQGHW

2P )LQDQVLQVSHNWLRQHQ WUlIIDU HQ VnGDQ |YHUHQVNRPPHOVH HOOHU HQ

|YHUHQVNRPPHOVH RP DWW HQ EHK|ULJ P\QGLJKHW L HWW DQQDW ODQG LQRP

((6 VND KD WLOOV\Q |YHU HQ VYHQVN I|UVlNULQJVI|UPHGODUH VRP KDU VLWW

KXYXGVDNOLJD YHUNVDPKHWVVWlOOH L GHW ODQGHW VND )LQDQVLQVSHNWLRQHQ

GlUHIWHU IDWWD HWW EHVOXW L HQOLJKHW PHG |YHUHQVNRPPHOVHQ

)LQDQVLQVSHNWLRQHQ VND XQGHUUlWWD GHQ EHU|UGD I|UVlNULQJVI|UPHG

ODUHQ RFK (XURSHLVND I|UVlNULQJV RFK WMlQVWHSHQVLRQVP\QGLJKHWHQ RP

LQVSHNWLRQHQ LQJnU HQ VnGDQ |YHUHQVNRPPHOVH

opaginerad gYHUHQVNRPPHOVH RP |YHUI|ULQJ DY WLOOV\QVDQVYDU Kontrollera mot PDF

6NlOHQ I|U SURPHPRULDQV I|UVODJ , I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW ILQQV UHJOHU RP DWW GH EHK|ULJD P\QGLJKHWHUQD VLQVHPHOODQ NDQ WUlIID |YHUHQVNRPPHOVHU RP DWW HQ EHK|ULJ P\QGLJKHW PHG DYVHHQGH Sn HQ YLVV I|UVlNULQJVI|UPHGODUH NDQ |YHUI|UD VLQD EHIRJHQKHWHU Sn HQ DQQDQ EHK|ULJ P\QGLJKHW DUWLNHO (Q I|UXWVlWWQLQJ I|U VnGDQD |YHUHQVNRPPHOVHU lU DWW GHQ I|UVlNULQJVI|UPHGODUH VRP |YHUHQV NRPPHOVHQ U|U KDU VLWW KXYXGVDNOLJD YHUNVDPKHWVVWlOOH L HWW DQQDW ODQG lQ GHW ODQG GlU GHQ KDU VLQ KHPYLVW RFK DWW |YHUHQVNRPPHOVHQ LQQHElU DWW GHW lU GHQ EHK|ULJD P\QGLJKHWHQ L GHW ODQG GlU GHW KXYXGVDNOLJD YHUNVDPKHWVVWlOOHW ILQQV YlUGODQGHW VRP WDU |YHU WLOOV\QHQ IUnQ GHQ EHK|ULJD P\QGLJKHWHQ L GHW ODQG GlU KHPYLVWHW ILQQV KHPODQGHW

'HVVD UHJOHU L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW E|U L VYHQVN UlWW JHQRPI|UDV Sn Vn VlWW DWW GHW UHJOHUDV YDG VRP VND JlOOD L GH IDOO )LQDQV LQVSHNWLRQHQ LQJnU LQWHUQDWLRQHOOD |YHUHQVNRPPHOVHU RP |YHUI|ULQJ DY WLOOV\QVDQVYDU

,QWHUQDWLRQHOOD |YHUHQVNRPPHOVHU DY GHWWD VODJ WRUGH LQWH NUlYD ULNVGDJHQV HOOHU 8WULNHVQlPQGHQV PHGYHUNDQ VH NDS † UHJHULQJV IRUPHQ 5HJHULQJHQ E|U GlUI|U NXQQD EHP\QGLJD )LQDQVLQVSHNWLRQHQ DWW LQJn VnGDQD |YHUHQVNRPPHOVHU

2P )LQDQVLQVSHNWLRQHQ HQOLJW HQ |YHUHQVNRPPHOVH PHG HQ EHK|ULJ P\QGLJKHW L HWW DQQDW ODQG LQRP ((6 KDU WDJLW |YHU DQVYDUHW I|U WLOOV\QHQ DY HQ ((6 I|UVlNULQJVI|UPHGODUH VRP KDU VLWW KXYXGVDNOLJD YHUNVDPKHWV VWlOOH L 6YHULJH E|U LQVSHNWLRQHQ KD P|MOLJKHW DWW XW|YD WLOOV\Q L VDPPD RPIDWWQLQJ RFK XWLIUnQ VDPPD I|UXWVlWWQLQJDU VRP RP ((6 I|UVlNULQJV I|UPHGODUHQ YRUH HQ VYHQVN I|UVlNULQJVI|UPHGODUH 'HWWD PRWLYHUDV DY DWW )LQDQVLQVSHNWLRQHQ L HQ VnGDQ VLWXDWLRQ E|U NXQQD LQJULSD PHG VW|G DY PHUSDUWHQ DY EHVWlPPHOVHUQD RP LQJULSDQGHQ L ODJHQ RP I|UVlNULQJV GLVWULEXWLRQ VH DYVQLWW 3n VDPPD VlWW VRP NRPPHU DWW JlOOD I|U HQ VYHQVN I|UVlNULQJVI|UPHGODUH VRP IUnQ 6YHULJH EHGULYHU JUlQV|YHU VNULGDQGH YHUNVDPKHW E|U )LQDQVLQVSHNWLRQHQV WLOOV\QVDQVYDU HQOLJW HQ |YHUHQVNRPPHOVH PHG HQ EHK|ULJ P\QGLJKHW L HWW DQQDW ODQG LQRP ((6 RPIDWWD GHQ JUlQV|YHUVNULGDQGH YHUNVDPKHW VRP EHGULYV DY ((6 I|UVlNULQJVI|UPHGODUH IUnQ 6YHULJH WLOO DQGUD OlQGHU LQRP ((6 VH DUWLNHO DQGUD VW\FNHW 'HWWD XWJ|U HQ I|UXWVlWWQLQJ I|U DWW )LQDQVLQVSHNWLRQHQ VND NXQQD LQJULSD RP ((6 I|UVlNULQJVI|UPHGODUHQ L VLQ YHUNVDPKHW L GHW DQGUD ODQGHW LQRP ((6 |YHUWUlGHU XSSI|UDQGHUHJOHUQD L ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ GYV GH UHJOHU VRP PRWVYDUDU EHVWlPPHOVHUQD L NDSLWHO 9 RFK 9, L GLUHNWLYHW

2P )LQDQVLQVSHNWLRQHQ WUlIIDU HQ |YHUHQVNRPPHOVH RP DWW HQ EHK|ULJ P\QGLJKHW L HWW DQQDW ODQG LQRP ((6 VND KD WLOOV\Q |YHU HQ VYHQVN I|UVlNULQJVI|UPHGODUH VRP KDU VLWW KXYXGVDNOLJD YHUNVDPKHWVVWlOOH L GHW ODQGHW I|UXWVlWWV DWW GHQ P\QGLJKHWHQV WLOOV\QVDQVYDU |YHU GHQ VYHQVND I|UVlNULQJVI|UPHGODUHQ UHJOHUDV L GHW ODQGHWV ODJ (Q DY I|UXWVlWWQLQJDUQD I|U |YHUHQVNRPPHOVHU DY I|UHYDUDQGH VODJ lU DWW GHW KXYXGVDNOLJD YHUN VDPKHWVVWlOOHW OLJJHU L HWW DQQDW ODQG LQRP ((6 'HW NDQ HPHOOHUWLG LQWH XWHVOXWDV DWW HQ VYHQVN I|UVlNULQJVI|UPHGODUH VRP RPIDWWDV DY HQ VnGDQ |YHUHQVNRPPHOVH lYHQ EHGULYHU HQ YHUNVDPKHW IUnQ HWW YHUNVDPKHWVVWlOOH L 6YHULJH 'HW E|U GlUI|U NRQVWDWHUDV DWW |YHUHQVNRPPHOVHQ LQWH E|U LQYHUND Sn )LQDQVLQVSHNWLRQHQV WLOOV\Q |YHU GHQ YHUNVDPKHWHQ L 6YHULJH

opaginerad |YHUHQVNRPPHOVHQ VH SURS V I , GHQ Q\D ODJHQ RP Kontrollera mot PDF

(Q |YHUHQVNRPPHOVH RP |YHUI|ULQJ DY WLOOV\QVDQVYDU WLOO HOOHU IUnQ HQ

EHK|ULJ P\QGLJKHW L HWW DQQDW ODQG LQRP ((6 LQQHElU LQWH L VLJ QnJUD

UlWWVYHUNQLQJDU PRW GHQ I|UVlNULQJVI|UPHGODUH HOOHU ((6 I|UVlNULQJV

I|UPHGODUH VRP |YHUHQVNRPPHOVHQ DYVHU )|U DWW UlWWVYHUNQLQJDU VND

XSSNRPPD NUlYV DWW )LQDQVLQVSHNWLRQHQ HIWHU GHW DWW |YHUHQVNRPPHOVHQ

KDU LQJnWWV PHGGHODU HWW I|UYDOWQLQJVEHVOXW PHG VDPPD LQQHKnOO VRP

|YHUHQVNRPPHOVHQ VH SURS V I , GHQ Q\D ODJHQ RP

I|UVlNULQJVGLVWULEXWLRQ E|U GHW GlUI|U DQJHV DWW )LQDQVLQVSHNWLRQHQ VND

IDWWD HWW VlUVNLOW I|UYDOWQLQJVEHVOXW PHG DQOHGQLQJ DY HQ VnGDQ |YHUHQV

NRPPHOVH MIU NDS † DQGUD VW\FNHW I|UVlNULQJVU|UHOVHODJHQ

, GHQ Q\D ODJHQ E|U GHW DQJHV DWW )LQDQVLQVSHNWLRQHQ KDU HQ VN\OGLJKHW

DWW XQGHUUlWWD GHQ EHU|UGD I|UVlNULQJVI|UPHGODUHQ RFK (XURSHLVND I|UVlN

ULQJV RFK WMlQVWHSHQVLRQVP\QGLJKHWHQ (LRSD RP LQVSHNWLRQHQ LQJnU HQ

VnGDQ |YHUHQVNRPPHOVH DUWLNHO

8SSO\VQLQJVVN\OGLJKHW I|UVHQLQJVDYJLIW RFK P|MOLJKHW DWW JHQRPI|UD XQGHUV|NQLQJDU

3URPHPRULDQV I|UVODJ %HVWlPPHOVHUQD L ODJHQ RP I|UVlNULQJV I|UPHGOLQJ RP DWW I|UVlNULQJVI|UPHGODUH XWOlQGVND I|UVlNULQJV I|UPHGODUH VRP EHGULYHU YHUNVDPKHW L 6YHULJH RFK I|UVlNULQJVI|UHWDJ KDU HQ VN\OGLJKHW DWW WLOO )LQDQVLQVSHNWLRQHQ OlPQD XSSO\VQLQJDU RP VLQ YHUNVDPKHW VND I|UDV |YHU L KXYXGVDN RI|UlQGUDGH WLOO ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ 'HWVDPPD JlOOHU EHVWlPPHOVHUQD RP )LQDQV LQVSHNWLRQHQV P|MOLJKHW DWW J|UD SODWVXQGHUV|NQLQJDU RFK EHVWlP PHOVHUQD RP I|UVHQLQJVDYJLIW YLG XQGHUOnWHOVH DWW OlPQD XSSO\VQLQJDU WLOO )LQDQVLQVSHNWLRQHQ

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU PHGGHOD I|UHVNULIWHU RP YLOND XSSO\VQLQJDU HQ I|UVlNULQJVI|UPHGODUH ((6 I|UVlNULQJVI|UPHGODUH HOOHU I|UVlNULQJVI|UPHGODUH IUnQ WUHGMHODQG VND OlPQD WLOO )LQDQVLQVSHNWLRQHQ I|U GHVV WLOOV\QVYHUNVDPKHW VDPW QlU RFK KXU GHVVD XSSJLIWHU VND OlPQDV

6NlOHQ I|U SURPHPRULDQV I|UVODJ (QOLJW ODJHQ RP I|UVlNULQJV I|UPHGOLQJ lU I|UVlNULQJVI|UPHGODUH XWOlQGVND I|UVlNULQJVI|UPHGODUH VRP XW|YDU YHUNVDPKHW L 6YHULJH RFK I|UVlNULQJVI|UHWDJ VN\OGLJD DWW WLOO )LQDQVLQVSHNWLRQHQ OlPQD YLVVD XSSO\VQLQJDU RP VLQ YHUNVDPKHW RFK GlUPHG VDPPDQKlQJDQGH IUnJRU VRP LQVSHNWLRQHQ EHJlU NDS † I|UVWD VW\FNHW )LQDQVLQVSHNWLRQHQ InU QlU GHQ DQVHU GHW Q|GYlQGLJW JHQRPI|UD XQGHUV|NQLQJDU KRV I|UVlNULQJVI|UPHGODUH I|UVlNULQJVI|UHWDJ RFK XWOlQGVND I|UVlNULQJVI|UPHGODUH PHG ILOLDO L 6YHULJH NDS † DQGUD VW\FNHW 5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlP PHU InU PHGGHOD I|UHVNULIWHU RP YLOND XSSO\VQLQJDU VRP VND OlPQDV WLOO )LQDQVLQVSHNWLRQHQ I|U GHVV WLOOV\QVYHUNVDPKHW NDS † 2P GH XSSO\VQLQJDU VRP I|UHVNULYLWV PHG VW|G DY EHP\QGLJDQGHW LQWH OlPQDV L WLG InU )LQDQVLQVSHNWLRQHQ EHVOXWD DWW GHQ VRP EUXVWLW L VLQ XSSO\VQLQJV VN\OGLJKHW VND EHWDOD HQ I|UVHQLQJVDYJLIW PHG K|JVW NURQRU NDS † %HVWlPPHOVHU PHG L KXYXGVDN PRWVYDUDQGH LQQHKnOO ILQQV lYHQ L I|UVlNULQJVU|UHOVHODJHQ NDS ± †† RFK NDS †

opaginerad 8W|NDG VDPDUEHWVVN\OGLJKHW I|U )LQDQVLQVSHNWLRQHQ Kontrollera mot PDF

bYHQ HQOLJW GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ E|U GHW ILQQDV P|MOLJKHW I|U )LQDQVLQVSHNWLRQHQ DWW EHJlUD LQ XSSO\VQLQJDU DY GH DNW|UHU VRP EHGULYHU GLVWULEXWLRQVYHUNVDPKHW L 6YHULJH 5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU E|U RFNVn In PHGGHOD I|UHVNULIWHU RP YLOND XSSO\VQLQJDU GHVVD DNW|UHU VND OlPQD WLOO )LQDQVLQVSHNWLRQHQ VDPW KXU XSSJLIWHUQD VND OlPQDV 0|MOLJKHWHQ I|U )LQDQVLQVSHNWLRQHQ DWW SnI|UD I|UVHQLQJVDYJLIW YLG nVLGRVlWWDQGH DY XSSO\VQLQJVVN\OGLJKHWHQ E|U RFNVn ILQQDV NYDU HQOLJW GHQ Q\D ODJHQ OLNVRP P|MOLJKHWHQ DWW JHQRPI|UD XQGHUV|NQLQJDU KRV I|UVlNULQJVI|UPHGODUH I|UVlNULQJVI|UHWDJ RFK ILOLDOHU WLOO XWOlQGVND I|UVlNULQJVI|UPHGODUH

'HW E|U VOXWOLJHQ lYHQ L GHQ Q\D ODJHQ ILQQDV HQ XSSO\VQLQJ RP DWW UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU PHGGHODU I|UHVNULIWHU RP DWW YLVVD XSSJLIWHU VRP VND OlPQDV WLOO )LQDQVLQVSHNWLRQHQ L VWlOOHW VND OlPQDV WLOO 6WDWLVWLVND FHQWUDOE\UnQ

8W|NDG VDPDUEHWVVN\OGLJKHW I|U )LQDQVLQVSHNWLRQHQ

3URPHPRULDQV I|UVODJ )LQDQVLQVSHNWLRQHQV VN\OGLJKHW DWW VDPDUEHWD

PHG EHK|ULJD P\QGLJKHWHU L DQGUD OlQGHU LQRP ((6 VND XWYLGJDV WLOO

DWW lYHQ RPIDWWD (XURSHLVND NRPPLVVLRQHQ RFK (XURSHLVND I|UVlN

ULQJV RFK WMlQVWHSHQVLRQVP\QGLJKHWHQ

3URPHPRULDQV EHG|PQLQJ 6YHQVN UlWW XSSI\OOHU UHGDQ NUDYHW Sn

DWW GH SHUVRQHU VRP WDU HPRW HOOHU OlPQDU XW LQIRUPDWLRQ L VDPEDQG

PHG I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW VND YDUD EXQGQD DY W\VWQDGV

SOLNW

6NlOHQ I|U SURPHPRULDQV I|UVODJ RFK EHG|PQLQJ )LQDQVLQVSHN WLRQHQV VN\OGLJKHW DWW VDPYHUND PHG DQGUD RUJDQ LQRP UDPHQ I|U (8 VDPDUEHWHW E|U XWYLGJDV MIU NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ (QOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW VND GH EHK|ULJD P\QGLJKHWHUQD L PHGOHPVVWDWHUQD VDPDUEHWD RFK XWE\WD DOO UHOHYDQW LQIRUPDWLRQ DUWLNHO 'H EHK|ULJD P\QGLJKHWHUQD VND lYHQ VDPDUEHWD QlUD YDUDQGUD QlU GHW JlOOHU VDQNWLRQHU RFK DQGUD LQJULSDQGHnWJlUGHU DUWLNHO , GLUHN WLYHW ILQQV GHW RFNVn NUDY Sn DWW HQ EHK|ULJ P\QGLJKHW L YLVVD IDOO VND LQIRUPHUD (XURSHLVND NRPPLVVLRQHQ DUWLNODUQD RFK 'HVVD NUDY Sn VDPYHUNDQ PHG EHK|ULJD P\QGLJKHWHU L DQGUD OlQGHU LQRP ((6 RFK PHG (XURSHLVND NRPPLVVLRQHQ RFK (LRSD E|U L VYHQVN UlWW JHQRPI|UDV Sn Vn VlWW DWW GHW L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ LQI|UV HQ EHVWlPPHOVH RP DWW )LQDQVLQVSHNWLRQHQ L VLQ WLOOV\QVYHUNVDPKHW VND VDP DUEHWD RFK XWE\WD LQIRUPDWLRQ PHG EHK|ULJD P\QGLJKHWHU (XURSHLVND NRPPLVVLRQHQ RFK (LRSD L GHQ XWVWUlFNQLQJ VRP I|OMHU DY 6YHULJHV PHGOHPVNDS L (XURSHLVND XQLRQHQ VH EO D NDS † I|UVlNULQJV U|UHOVHODJHQ

(QOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO NUlYV DWW DOOD SHUVRQHU VRP WDU HPRW HOOHU OlPQDU XW LQIRUPDWLRQ L VDPEDQG PHG GHWWD GLUHNWLY VND YDUD EXQGQD DY W\VWQDGVSOLNW Sn GHW VlWW VRP I|UHVNULYV L GHW V N 6ROYHQV ,, GLUHNWLYHW DUWLNHO L VLVWQlPQGD GLUHNWLY 7\VWQDGV SOLNWHQ HQOLJW 6ROYHQV ,, GLUHNWLYHW JlOOHU I|U VDPWOLJD SHUVRQHU VRP

WMlQVWJ|U HOOHU KDU WMlQVWJMRUW KRV WLOOV\QVP\QGLJKHWHU OLNVRP UHYLVRUHU

opaginerad 5DSSRUWHULQJ RP PLVVI|UKnOODQGHQ Kontrollera mot PDF

HOOHU H[SHUWHU VRP lU YHUNVDPPD I|U GHVVD P\QGLJKHWHUV UlNQLQJ , NDS † RIIHQWOLJKHWV RFK VHNUHWHVVODJHQ ILQQV EHVWlP PHOVHU RP VHNUHWHVV L HQ VWDWOLJ P\QGLJKHWV YHUNVDPKHW VRP EHVWnU L WLOOVWnQGVJLYQLQJ HOOHU WLOOV\Q PHG DYVHHQGH Sn EO D I|UVlNULQJVYlVHQGHW 6HNUHWHVVHQ HQOLJW EHVWlPPHOVHQ JlOOHU I|U XSSJLIWHU RP DIIlUV HOOHU GULIWI|UKnOODQGHQ KRV GHQ VRP P\QGLJKHWHQV YHUNVDPKHW DYVHU RFK I|U XSSJLIWHU RP HNRQRPLVND HOOHU SHUVRQOLJD I|UKnOODQGHQ I|U DQQDQ VRP KDU WUlWW L DIIlUVI|UELQGHOVH HOOHU OLNQDQGH I|UELQGHOVH PHG GHQ VRP P\QGLJKHWHQV YHUNVDPKHW DYVHU 'HQ DNWXHOOD EHVWlPPHOVHQ L RIIHQW OLJKHWV RFK VHNUHWHVVODJHQ EHG|PV PRWVYDUD GHW NUDY VRP I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW VWlOOHU XSS

5DSSRUWHULQJ RP PLVVI|UKnOODQGHQ

3URPHPRULDQV EHG|PQLQJ )LQDQVLQVSHNWLRQHQV UXWLQHU RFK WHNQLVND

O|VQLQJDU I|U DWW WD HPRW RFK I|OMD XSS DQPlOQLQJDU RP |YHUWUlGHOVHU

DY GH UHJOHU VRP JlOOHU I|U I|UVlNULQJVGLVWULEXW|UHU XSSI\OOHU NUDYHQ L

I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

.UDYHW Sn DWW GHQ EHK|ULJD P\QGLJKHWHQ VND LQUlWWD HIIHNWLYD

PHNDQLVPHU I|U DWW VlNHUVWlOOD VN\GG PRW UHSUHVVDOLHU GLVNULPLQHULQJ

RFK DQGUD IRUPHU DY RUlWWYLV EHKDQGOLQJ I|U DQVWlOOGD KRV I|UVlNULQJV

GLVWULEXW|UHU VRP UDSSRUWHUDU RP |YHUWUlGHOVHU WLOO GHQ EHK|ULJD

P\QGLJKHWHQ lU WLOOJRGRVHWW L JlOODQGH UlWW

'HW E|U LQWH VWlOODV XSS QnJUD NUDY Sn DWW )LQDQVLQVSHNWLRQHQ HOOHU

I|UVlNULQJVGLVWULEXW|UHU VND LQUlWWD PHNDQLVPHU I|U UDSSRUWHULQJ DY

|YHUWUlGHOVHU VRP JnU XW|YHU NUDYHQ L I|UVlNULQJVGLVWULEXWLRQV

GLUHNWLYHW

6NlOHQ I|U SURPHPRULDQV EHG|PQLQJ )|UVlNULQJVGLVWULEXWLRQV

GLUHNWLYHW DUWLNHO LQQHKnOOHU UHJOHU RP HIIHNWLYD PHNDQLVPHU I|U

UDSSRUWHULQJ DY |YHUWUlGHOVHU DY GH QDWLRQHOOD EHVWlPPHOVHU VRP DQWDJLWV

I|U DWW JHQRPI|UD GLUHNWLYHW RFK RP VN\GG I|U DQVWlOOGD VRP UDSSRUWHUDU

RP VnGDQD |YHUWUlGHOVHU

,QOHGQLQJVYLV NDQ GHW NRQVWDWHUDV DWW V\IWHW PHG VlUVNLOGD V\VWHP I|U

UDSSRUWHULQJ DY PLVVI|UKnOODQGHQ RFK |YHUWUlGHOVHU lU DWW P|MOLJJ|UD I|U

DQVWlOOGD DWW NXQQD UDSSRUWHUD RP DOOYDUOLJD KlQGHOVHU XWDQ ULVN I|U

UHSUHVVDOLHU 3HUVRQHU VRP UDSSRUWHUDU |YHUWUlGHOVHU RFK GlUPHG ´EOnVHU L

YLVVHOSLSDQ´ NDOODV I|U YLVVHOEOnVDUH HIWHU HQJHOVNDQV ZKLVWOH EORZHUV

5HJOHU RP UDSSRUWHULQJ DY |YHUWUlGHOVHU I|UHNRPPHU lYHQ L DQGUD (8

UlWWVDNWHU Sn ILQDQVPDUNQDGVRPUnGHW MIU W H[ DUWLNHO L I|URUGQLQJHQ

RP YlUGHSDSSHUVFHQWUDOHU DUWLNHO L NDSLWDOWlFNQLQJVGLUHNWLYHW DUWLNHO

L 3ULLS I|URUGQLQJHQ RFK DUWLNHO L 0L),' ,,

(QOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW VND PHGOHPVVWDWHUQD VH WLOO DWW

GH EHK|ULJD P\QGLJKHWHUQD LQUlWWDU HIIHNWLYD V\VWHP I|U DWW P|MOLJJ|UD

RFK XSSPXQWUD UDSSRUWHULQJ WLOO GHP RP IDNWLVND HOOHU SRWHQWLHOOD |YHU

WUlGHOVHU DY GH QDWLRQHOOD EHVWlPPHOVHU VRP DQWDJLWV I|U DWW JHQRPI|UD

GLUHNWLYHW DUWLNHO

)LQDQVLQVSHNWLRQHQ DQVYDUDU L GDJ I|U WLOOV\Q |YHU ILQDQVLHOOD PDUN

QDGHU RFK I|UHWDJ )LQDQVLQVSHNWLRQHQV XSSJLIW VRP WLOOV\QVP\QGLJKHW

XW|YDV Sn IOHUD ROLND VlWW EO D JHQRP DWW WD HPRW RFK I|OMD XSS WLSV IUnQ

DQPlODUH 3n )LQDQVLQVSHNWLRQHQV ZHEESODWV ILQQV LQIRUPDWLRQ RP KXU

opaginerad GHQ VRP YLOO DQPlOD RHJHQWOLJKHWHU VND Jn WLOO YlJD (Q VnGDQ DQPlODQ Kontrollera mot PDF

GHQ VRP YLOO DQPlOD RHJHQWOLJKHWHU VND Jn WLOO YlJD (Q VnGDQ DQPlODQ

NDQ VHGDQ RP GHW EHG|PV I|UHOLJJD VNlO I|U GHW OLJJD WLOO JUXQG I|U

LQVSHNWLRQ HOOHU DQGUD IRUPHU DY XQGHUV|NQLQJDU DY I|UHWDJHW L IUnJD

9LG DQSDVVQLQJHQ DY VYHQVN UlWW WLOO PDUNQDGVPLVVEUXNVI|URUGQLQJHQ

RFK YLG JHQRPI|UDQGHW L VYHQVN UlWW DY NRPPLVVLRQHQV JHQRPI|UDQGH

GLUHNWLY (8 DY GHQ GHFHPEHU RP (XURSDSDUOD

PHQWHWV RFK UnGHWV I|URUGQLQJ (8 QU YDG DYVHU UDSSRUWHULQJ

WLOO EHK|ULJD P\QGLJKHWHU DY IDNWLVND HOOHU SRWHQWLHOOD |YHUWUlGHOVHU DY

GHQ I|URUGQLQJHQ JMRUGH UHJHULQJHQ EHG|PQLQJHQ DWW UHJOHU RP EO D

PHNDQLVPHU I|U DWW P|MOLJJ|UD RFK WD HPRW DQPlOQLQJDU ERUGH LQI|UDV L

I|UHVNULIWHU Sn I|URUGQLQJVQLYn SURS V ± 6nGDQD

UHJOHU ILQQV QX L I|URUGQLQJHQ RP )LQDQVLQVSHNWLRQHQV

UXWLQHU I|U PRWWDJDQGH DY DQPlOQLQJDU RP UHJHO|YHUWUlGHOVHU VRP RP

IDWWDU KHOD ILQDQVPDUNQDGVRPUnGHW 'HQ I|URUGQLQJHQ PHGI|U GHW LQWH

EHK|YHU LQI|UDV QnJRQ \WWHUOLJDUH UHJOHULQJ NULQJ HIIHNWLYD SURFHGXUHU I|U

DWW WD HPRW RFK I|OMD XSS DQPlOQLQJDU RP |YHUWUlGHOVHU DY I|UVlNULQJV

GLVWULEXWLRQVGLUHNWLYHW

(QOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO E VND GHQ EH

K|ULJD P\QGLJKHWHQV V\VWHP RPIDWWD HWW OlPSOLJW VN\GG PRW UHSUHVVDOLHU

GLVNULPLQHULQJ RFK DQGUD IRUPHU DY RUlWWYLV EHKDQGOLQJ I|U DQVWlOOGD KRV

I|UVlNULQJVGLVWULEXW|UHU RFK RP P|MOLJW DQGUD SHUVRQHU VRP UDSSRUWHUDU

RP |YHUWUlGHOVHU VRP JMRUWV KRV GHVVD HQKHWHU

, VYHQVN UlWW KDU GHW IUDP WLOO Q\OLJHQ LQWH IXQQLWV QnJRQ VlUVNLOG

VN\GGVODJVWLIWQLQJ I|U DUEHWVWDJDUH VRP VOnU ODUP RP PLVVI|UKnOODQGHQ

9LG DUEHWVWDJDUHV ODUP WLOOlPSDV GlUI|U HQ UDG ROLND UlWWVUHJOHU IUnQ ROLND

UlWWVRPUnGHQ EO D ILQQV HWW VN\GG L DUEHWVUlWWHQ JHQRP NUDYHW Sn VDNOLJ

JUXQG I|U XSSVlJQLQJ L ODJHQ RP DQVWlOOQLQJVVN\GG bYHQ

UlWWVJUXQGVDWVHQ RP JRG VHG Sn DUEHWVPDUNQDGHQ JHU YLVVW VN\GG 'HQQD

UlWWVJUXQGVDWV XSSUlWWKnOOV JHQRP $UEHWVGRPVWROHQV SUD[LV Sn RPUnGHW

RFK LQQHElU EO D DWW RPSODFHULQJ XQGHU YLVVD I|UKnOODQGHQ NDQ XQGHU

NDVWDV HQ UlWWVOLJ SU|YQLQJ VRP OLNQDU SU|YQLQJHQ YLG XSSVlJQLQJ GHQ

V N EDVWXEDGDUSULQFLSHQ $QVWlOOGD L RIIHQWOLJ VHNWRU KDU GHVVXWRP HWW

VlUVNLOW VN\GG RP GH DQYlQGHU VLJ DY GHQ JUXQGODJVVN\GGDGH PHGGHODU

IULKHWHQ VH NDS WU\FNIULKHWVI|URUGQLQJHQ bYHQ HQVNLOGDV UlWW WLOO

\WWUDQGHIULKHW HQOLJW GHQ (XURSHLVND NRQYHQWLRQHQ RP VN\GG I|U GH

PlQVNOLJD UlWWLJKHWHUQD RFK GH JUXQGOlJJDQGH IULKHWHUQD (XURSD

NRQYHQWLRQHQ NDQ XQGHU YLVVD I|UXWVlWWQLQJDU JH VN\GG PRW UHSUHVVDOLHU

I|U DQVWlOOGD VRP VODJLW ODUP RP PLVVI|UKnOODQGHQ

'HQ MDQXDUL WUlGGH ODJHQ RP VlUVNLOW VN\GG PRW

UHSUHVVDOLHU I|U DUEHWVWDJDUH VRP VOnU ODUP RP DOOYDUOLJD PLVVI|UKnOO

DQGHQ L NUDIW GHQ MDQXDUL SURS 'HQ ODJHQ LQQHElU

DWW HQ DUEHWVJLYDUH LQWH InU XWVlWWD HQ DUEHWVWDJDUH I|U UHSUHVVDOLHU Sn

JUXQG DY DWW DUEHWVWDJDUHQ VOnU ODUP RP DOOYDUOLJD PLVVI|UKnOODQGHQ L

DUEHWVJLYDUHQV YHUNVDPKHW (Q DUEHWVWDJDUH VRP XWVlWWV I|U HQ UHSUHVVDOLH

DY DUEHWVJLYDUHQ L VWULG PHG GHQ ODJHQ VND KD UlWW WLOO VNDGHVWnQG bYHQ

LQK\UGD VRP VOnU ODUP RP DOOYDUOLJD PLVVI|UKnOODQGHQ L LQK\UDUHQV

YHUNVDPKHW VN\GGDV L I|UKnOODQGH WLOO LQK\UDUHQ

9LG JHQRPI|UDQGHW L VYHQVN UlWW DY PRWVYDUDQGH UHJOHU L NDSLWDOWlFN

QLQJVGLUHNWLYHW DUWLNHO E I|UGH UHJHULQJHQ HWW XWI|UOLJW UHVRQHPDQJ

LIUnJD RP VN\GG I|U DUEHWVWDJDUH VRP VOnU ODUP RP PLVVI|UKnOODQGHQ

SURS V 5HJHULQJHQ NRQVWDWHUDGH DWW GH UHJOHUQD KDU

opaginerad GHQ VRP YLOO DQPlOD RHJHQWOLJKHWHU VND Jn WLOO YlJD (Q VnGDQ DQPlODQ Kontrollera mot PDF

VWRUD OLNKHWHU PHG GHP L (XURSDUnGHWV FLYLOUlWWVOLJD NRQYHQWLRQ RP NRUUXSWLRQ DUWLNHO 9LGDUH KlQYLVDGH UHJHULQJHQ WLOO GHQ EHG|PQLQJ DYVHHQGH GH UHJOHUQD VRP JMRUGHV YLG JHQRPI|UDQGHW DY NRQYHQWLRQHQ RFK NRQVWDWHUDGH DWW VYHQVN UlWW DQVHWWV XSSI\OOD NUDYHQ

6HGDQ NDSLWDOWlFNQLQJVGLUHNWLYHW JHQRPI|UGHV KDU IUnJDQ RP KXUXYLGD VYHQVN UlWW JHU VN\GG I|U DQVWlOOGD VRP DQPlOHU |YHUWUlGHOVHU PRW DWW GUDEEDV DY UHSUHVVDOLHU P P YDULW I|UHPnO I|U |YHUYlJDQGHQ LQRP UDPHQ I|U ODJVWLIWQLQJVlUHQGHQ PHG DQOHGQLQJ DY I|URUGQLQJHQ RP YlUGHSDS SHUVFHQWUDOHU 3ULLS I|URUGQLQJHQ RFK 0L),' ,, (QOLJW GH UlWWVDNWHUQD DUWLNHO E L I|URUGQLQJHQ RP YlUGHSDSSHUVFHQWUDOHU E L 3ULLS I|URUGQLQJHQ RFK DUWLNHO E L 0L),' ,, VND PHGOHPVVWDWHUQD VH WLOO DWW DQVWlOOGD VRP DQPlOHU |YHUWUlGHOVHU DY LQVWLWXW KDU HWW OlPSOLJW VN\GG 6RP HWW PLQLPXP VND GH L YDUW IDOO LQWH GUDEEDV DY UHSUHVVDOLHU GLVNULPL QHULQJ HOOHU DQGUD IRUPHU DY RUlWWYLV EHKDQGOLQJ bYHQ L GH ODJVWLIWQLQJV lUHQGHQD KlQYLVDGH UHJHULQJHQ WLOO PRWVYDUDQGH UHJOHU L NDSLWDOWlFNQLQJV GLUHNWLYHW DUWLNHO E RFK GH VWRUD OLNKHWHUQD PHG UHJOHUQD L (XURSDUnGHWV FLYLOUlWWVOLJD NRQYHQWLRQ RP NRUUXSWLRQ SURS V SURS V I RFK SURS V 5HJHULQJHQ XWWDODGH L GH VDPPDQKDQJHQ DWW GHW VDNQDV DQOHGQLQJ DWW J|UD HQ DQQDQ EHG|PQLQJ L IUnJD RP EHKRYHW DY VlUVNLOGD JHQRPI|UDQGH nWJlUGHU L VYHQVN UlWW PHG DQOHGQLQJ DY GH VN\GGVUHJOHUQD lQ GHQ VRP UHJHULQJHQ JMRUGH L IUnJD RP PRWVYDUDQGH UHJOHU L NDSLWDOWlFNQLQJV GLUHNWLYHW , GH ODJVWLIWQLQJVlUHQGHQD UHGRJMRUGHV GHW lYHQ I|U DWW GHW YLG JHQRPI|UDQGHW DY NDSLWDOWlFNQLQJVGLUHNWLYHW YDU HQ VlUVNLOG IUnJD KXUX YLGD HQ KlQYlQGHOVH GLUHNW WLOO P\QGLJKHW XWDQ DWW I|UVW KD I|UV|NW nVWDGNRPPD UlWWHOVH LQWHUQW VNXOOH NXQQD EHWUDNWDV VRP LOORMDOW RFK YDUD JUXQG I|U XSSVlJQLQJ 5HJHULQJHQ NRQVWDWHUDGH YLGDUH L GH VDPPDQ KDQJHQ DWW UHJOHUQD L NDSLWDOWlFNQLQJVGLUHNWLYHW IDVWVOnU YLVVD KXYXGGUDJ I|U GHW VN\GG VRP VND LQI|UDV I|U DWW XSSPXQWUD UDSSRUWHULQJ DY |YHU WUlGHOVHU RFK DWW GHW LQWH XWWU\FNOLJHQ IUDPJnU DWW I|UHWUlGH VND JHV I|U LQWHUQ UDSSRUWHULQJ .DSLWDOWlFNQLQJVGLUHNWLYHW UHJOHUDU KHOW HQNHOW LQWH IUnJDQ RP HQ DQPlODQ VND J|UDV GLUHNW WLOO EHK|ULJ P\QGLJKHW HOOHU I|UVW PnVWH J|UDV WLOO DUEHWVJLYDUHQ 5HJHULQJHQ DQVnJ GlUI|U DWW GHQ IUnJDQ L VWlOOHW PnVWH DYJ|UDV PHG WLOOlPSQLQJ DY JlOODQGH UHJOHU RFK UlWWV SULQFLSHU Sn RPUnGHW I|U VYHQVND I|UKnOODQGHQ W H[ JUXQGOlJJDQGH DYWDOVUlWWVOLJD SULQFLSHU RFK LQQHKnOOHW L GHQ DUEHWVUlWWVOLJD ORMDOLWHWV SOLNWHQ RFK JUlQVHUQD I|U DUEHWVWDJDUHV NULWLNUlWW HQOLJW YDG VRP I|OMHU DY $UEHWVGRPVWROHQV SUD[LV ,QWH KHOOHU I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW VH DUWLNHO OlPQDU W\GOLJW EHVNHG L IUnJDQ RP HQ DQPlODQ VND J|UDV GLUHNW WLOO EHK|ULJ P\QGLJKHW HOOHU I|UVW PnVWH J|UDV WLOO DUEHWVJLYDUHQ 'HQ IUnJDQ InU GlUPHG L HQOLJKHW PHG UHJHULQJHQV WLGLJDUH EHG|PQLQJ DYVHHQGH I|URUGQLQJHQ RP YlUGHSDSSHUVFHQWUDOHU 3ULLS I|URUGQLQJHQ RFK 0L),' ,, DYJ|UDV PHG WLOOlPSQLQJ DY JlOODQGH UHJOHU RFK UlWWVSULQFLSHU Sn RPUnGHW I|U VYHQVND I|UKnOODQGHQ 'HW E|U lYHQ SRlQJWHUDV DWW GHQ Q\D ODJHQ RP VlUVNLOW VN\GG I|U DUEHWVWDJDUH VRP VOnU ODUP RP DOOYDUOLJD PLVVI|UKnOODQGHQ LQQHElU HQ I|UVWlUNQLQJ DY VN\GGHW PRW UHSUHVVDOLHU I|U DUEHWVWDJDUH VRP VOnU ODUP RP DOOYDUOLJD PLVVI|UKnOODQGHQ L DUEHWVJLYDUHQV YHUNVDPKHW 0HG DOOYDUOLJD PLVVI|UKnOODQGHQ DYVHV L GHQ ODJHQ EURWW PHG IlQJHOVH L VWUDIIVNDODQ HOOHU GlUPHG MlPI|UOLJD PLVVI|UKnOODQGHQ 'HW VND

YDUD IUnJD RP Vn NYDOLILFHUDGH |YHUWUlGHOVHU DY JlOODQGH QRUPHU RFK I|UH

VNULIWHU HOOHU Vn VWRUD EULVWHU L |YULJW DWW PLVVI|UKnOODQGHW REMHNWLYW VHWW NDQ

opaginerad 6HNUHWHVV I|U YLVVD XSSJLIWHU Kontrollera mot PDF

EHWUDNWDV VRP DOOYDUOLJW 9LG EHG|PQLQJHQ VND KlQV\Q WDV WLOO JUDGHQ DY DOOPlQLQWUHVVH DY DWW PLVVI|UKnOODQGHW NRPPHU IUDP RFK NDQ nWJlUGDV ([HPSHO Sn VnGDQD DOOYDUOLJD PLVVI|UKnOODQGHQ NDQ W H[ EHVWn L |YHUWUlGHOVHU DY UHJOHU WLOO VN\GG I|U IXQJHUDQGH PDUNQDGHU , YDUW IDOO PHU NYDOLILFHUDGH |YHUWUlGHOVHU DY GHVVD UHJOHU VRP VNHU PHG YLVV V\VWHPDWLN HOOHU EHU|U HQ VWRU NUHWV DY W H[ NRQVXPHQWHU NDQ XWJ|UD DOOYDUOLJD PLVVI|UKnOODQGHQ SURS V ±

'HW ILQQV LQWH VNlO DWW J|UD QnJRQ DQQDQ EHG|PQLQJ QlU GHW JlOOHU GH QX DNWXHOOD UHJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW lQ GHQ VRP KDU JMRUWV L GH RYDQ QlPQGD WLGLJDUH ODJVWLIWQLQJVlUHQGHQD QlU GHW JlOOHU PRW VYDUDQGH UHJOHU L DQGUD (8 UlWWVDNWHU Sn ILQDQVPDUNQDGVRPUnGHW 'HW EHK|YV VnOHGHV LQWH QnJUD VlUVNLOGD nWJlUGHU L VYHQVN UlWW PHG DQOHGQLQJ DY GH QX DNWXHOOD VN\GGVUHJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

(IWHUVRP I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW LQQHElU HQ PLQLPLUHJOHULQJ InU PHGOHPVVWDWHUQD I|UHVNULYD \WWHUOLJDUH NUDY lYHQ L QX DNWXHOOW KlQVHHQGH )UnJD XSSNRPPHU GlUI|U RP GHW E|U NUlYDV DWW )LQDQVLQVSHNWLRQHQ VND LQUlWWD QnJUD \WWHUOLJDUH PHNDQLVPHU I|U DWW P|MOLJJ|UD UDSSRUWHULQJ RP |YHUWUlGHOVHU DY GH EHVWlPPHOVHU VRP JHQRPI|U GLUHNWLYHW L VYHQVN UlWW (Q QlUOLJJDQGH IUnJD lU RP GHW E|U NUlYDV DWW I|UVlNULQJVGLVWULEXW|UHU VND LQUlWWD OlPSOLJD I|UIDUDQGHQ I|U DWW GHUDV DQVWlOOGD RFK DQGUD SHUVRQHU VND NXQQD UDSSRUWHUD IDNWLVND HOOHU SRWHQWLHOOD |YHUWUlGHOVHU LQWHUQW %HG|PQLQJHQ lU GRFN DWW GHW L GHWWD VDPPDQKDQJ LQWH ILQQV DQOHGQLQJ DWW VWlOOD QnJUD \WWHUOLJDUH NUDY L VYHQVN UlWW QlU GHW JlOOHU I|UIDUDQGHQ I|U UDSSRUWHULQJ DY |YHUWUlGHOVHU

6N\GGHW I|U DQPlODUHQV RFK GHQ XWSHNDGH SHUVRQHQV LGHQWLWHW DUWLNHO F EHKDQGODV L DYVQLWW

6HNUHWHVV I|U YLVVD XSSJLIWHU

3URPHPRULDQV I|UVODJ 'HW VND LQI|UDV HQ EHVWlPPHOVH L

RIIHQWOLJKHWV RFK VHNUHWHVVODJHQ RP VHNUHWHVV L HQ VWDWOLJ P\QGLJKHWV

YHUNVDPKHW HQOLJW ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ I|U XSSJLIW RP HQ

HQVNLOGV SHUVRQOLJD RFK HNRQRPLVND I|UKnOODQGHQ L HQ DQPlODQ HOOHU

XWVDJD RP DQPlODQ HOOHU XWVDJDQ DYVHU HQ |YHUWUlGHOVH DY

EHVWlPPHOVH L ODJ HOOHU DQQDQ I|UIDWWQLQJ VRP JlOOHU I|U I|UVlNULQJV

GLVWULEXW|UHUV YHUNVDPKHW RFK XSSJLIWHQ NDQ DYVO|MD GHQ DQPlOGHV

LGHQWLWHW RFK GHW LQWH VWnU NODUW DWW XSSJLIWHQ NDQ U|MDV XWDQ DWW GHQQH

OLGHU VNDGD HOOHU PHQ

'HQ VRP lU HOOHU KDU YDULW NQXWHQ WLOO HQ I|UVlNULQJVGLVWULEXW|U VRP

DQVWlOOG HOOHU XSSGUDJVWDJDUH InU LQWH REHK|ULJHQ U|MD XSSJLIWHU L HQ

DQPlODQ HOOHU HQ XWVDJD RP HQ PLVVWlQNW |YHUWUlGHOVH DY HQ EH

VWlPPHOVH VRP JlOOHU I|U YHUNVDPKHWHQ RP XSSJLIWHQ NDQ DYVO|MD

DQPlODUHQV HOOHU GHQ XWSHNDGH SHUVRQHQV LGHQWLWHW

3URPHPRULDQV EHG|PQLQJ .UDYHW Sn VN\GG I|U DQPlODUHQV

LGHQWLWHW L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW I|UDQOHGHU LQJHQ ODJVWLIW

QLQJVnWJlUG QlU GHW JlOOHU XSSJLIWHU VRP I|UHNRPPHU L HQ VWDWOLJ

P\QGLJKHWV YHUNVDPKHW

opaginerad 6NlOHQ I|U SURPHPRULDQV I|UVODJ RFK EHG|PQLQJ Kontrollera mot PDF

6NlOHQ I|U SURPHPRULDQV I|UVODJ RFK EHG|PQLQJ

Sekretess i Finansinspektionens tillsynsverksamhet

, NDS † 26/ UHJOHUDV GHQ VHNUHWHVV VRP JlOOHU L )LQDQVLQVSHN WLRQHQV YHUNVDPKHW VRP EHVWnU L WLOOVWnQGVJLYQLQJ HOOHU WLOOV\Q PHG DY VHHQGH Sn EDQN RFK NUHGLWYlVHQGHW YlUGHSDSSHUVPDUNQDGHQ HOOHU I|UVlNULQJVYlVHQGHW 6HNUHWHVV JlOOHU I|U XSSJLIW RP DIIlUV HOOHU GULIW I|UKnOODQGHQ KRV GHQ VRP P\QGLJKHWHQV YHUNVDPKHW DYVHU RP GHW NDQ DQWDV DWW GHQQH OLGHU VNDGD RP XSSJLIWHQ U|MV SXQNW +lU JlOOHU HWW UDNW VNDGHUHNYLVLW GYV HQ SUHVXPWLRQ I|U RIIHQWOLJKHW 1lU GHW JlOOHU XSSJLIW RP HNRQRPLVND HOOHU SHUVRQOLJD I|UKnOODQGHQ I|U DQQDQ VRP KDU WUlWW L DIIlUVI|UELQGHOVH PHG GHQ VRP P\QGLJKHWHQV YHUNVDPKHW DYVHU ILQQV LQJHW VNDGHUHNYLVLW XWDQ VHNUHWHVVHQ lU DEVROXW SXQNW 'HW NDQ QRWHUDV DWW WLOOlPSQLQJVRPUnGHW I|U EHVWlPPHOVHQ KDU XWYLGJDWV VHGDQ GHQ I|UVW LQI|UGHV IUnQ DWW HQGDVW DYVH WLOOV\Q |YHU YLVVD WLOOVWnQGVSOLNWLJD LQVWLWXW WLOO DWW QXPHUD DYVH WLOOV\Q PHG DYVHHQGH Sn YlUGHSDSSHUVPDUNQDGHQ NDS † VHNUHWHVVODJHQ > @ VH SURS V ± %HJUHSSHW WLOOV\Q VND LQWH JHV HQ DOOWI|U VQlY WRONQLQJ SURS 'HO $ V bYHQ YHUNVDPKHW VRP V\IWDU WLOO DWW I|UKLQGUD SUREOHP L EDQN RFK NUHGLWYlVHQGHW YlUGHSDSSHUVPDUNQDGHQ RFK I|UVlNULQJV YlVHQGHW NDQ NODVVDV VRP WLOOV\Q SURS V

'H I\VLVND RFK MXULGLVND SHUVRQHU VRP HQOLJW I|UVODJHQ L GHQQD SURPH PRULD NRPPHU DWW VWnU XQGHU )LQDQVLQVSHNWLRQHQV WLOOV\Q L IUnJD RP GHQ YHUNVDPKHW VRP UHJOHUDV L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW lU GH VRP NRPPHU DWW EHGULYD WLOOVWnQGVSOLNWLJ YHUNVDPKHW HQOLJW ODJHQ RP I|UVlN ULQJVGLVWULEXWLRQ VDPW I|UVlNULQJVU|UHOVHODJHQ 'HW U|U VLJ VnOHGHV RP ROLND NDWHJRULHU DY I|UVlNULQJVI|UPHGODUH RFK I|UVlNULQJVI|UHWDJ 0RW GHQQD EDNJUXQG EHG|PV NDS † 26/ NXQQD WLOOlPSDV YLG )LQDQV LQVSHNWLRQHQV WLOOV\Q HQOLJW ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

Skydd för anmälarens och den utpekade personens identitet

6RP IUDPJnU L DYVQLWW LQQHKnOOHU I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO UHJOHU PHG NUDY Sn HIIHNWLYD PHNDQLVPHU I|U UDSSRUWHULQJ DY |YHUWUlGHOVHU DY GH QDWLRQHOOD EHVWlPPHOVHU VRP DQWDJLWV I|U DWW JHQRP I|UD GLUHNWLYHW RFK RP VN\GG I|U DQVWlOOGD VRP UDSSRUWHUDU RP VnGDQD |YHUWUlGHOVHU 6N\GGHW VND EO D LQQHElUD HWW LGHQWLWHWVVN\GG I|U EnGH HQ DQPlODUH RFK GHQ I\VLVND SHUVRQ VRP DQNODJDV I|U HQ |YHUWUlGHOVH VnYLGD LQWH QDWLRQHOO UlWW NUlYHU DWW LGHQWLWHWHQ U|MV L VDPEDQG PHG YLGDUH XWUHGQLQJDU HOOHU UlWWVOLJD I|UIDUDQGHQ DUWLNHO F 'HWWD WRUGH RPIDWWD VnYlO KDQGOlJJQLQJ YLG HQ P\QGLJKHW VRP HWW I|UHWDJV LQWHUQD UDSSRUW HULQJVV\VWHP 2P W H[ nWDO YlFNV WLOO I|OMG DY HQ DQPlODQ RP HQ |YHU WUlGHOVH HOOHU RP HQ IUnJD RP EHVOXW RP VDQNWLRQHU PRW HQ I|UVlNULQJV GLVWULEXW|U SU|YDV KRV )LQDQVLQVSHNWLRQHQ HOOHU YLG DOOPlQ I|UYDOWQLQJV GRPVWRO JlOOHU GlUHPRW LQWH QnJRW NUDY Sn LGHQWLWHWVVN\GG MIU SURS V

0RWVYDUDQGH UHJOHU RP VN\GG I|U DQPlODUHQV LGHQWLWHW ILQQV L DQGUD (8 UlWWVDNWHU Sn ILQDQVPDUNQDGVRPUnGHW MIU EO D DUWLNHO G L I|URUG QLQJHQ RP YlUGHSDSSHUVFHQWUDOHU DUWLNHO G L NDSLWDOWlFNQLQJVGLUHN WLYHW DUWLNHO F L 3ULLS I|URUGQLQJHQ RFK DUWLNHO F L 0L),' ,, 9LG JHQRPI|UDQGHW L VYHQVN UlWW DY NDSLWDOWlFNQLQJVGLUHNWLYHW LQI|UGHV HQ

Q\ EHVWlPPHOVH L 26/ NDS E † VRP LQQHElU DWW VHNUHWHVV JlOOHU L

opaginerad V ± , GHW VDPPDQKDQJHW I|UGHV HWW LQJnHQGH Kontrollera mot PDF

HQ VWDWOLJ P\QGLJKHWV YHUNVDPKHW VRP EHVWnU L WLOOVWnQGVJLYQLQJ HOOHU WLOO

V\Q PHG DYVHHQGH Sn EDQN RFK NUHGLWYlVHQGHW YlUGHSDSSHUVPDUNQDGHQ

HOOHU I|UVlNULQJVYlVHQGHW I|U XSSJLIW L HQ DQPlODQ HOOHU XWVDJD RP |YHU

WUlGHOVH DY HQ EHVWlPPHOVH VRP JlOOHU I|U GHQ VRP P\QGLJKHWHQV YHUN

VDPKHW DYVHU RP XSSJLIWHQ NDQ DYVO|MD DQPlODUHQV LGHQWLWHW SURS

V ± , GHW VDPPDQKDQJHW I|UGHV HWW LQJnHQGH

UHVRQHPDQJ RP GH |YHUYlJDQGHQ VRP OHJDW WLOO JUXQG I|U I|UVODJHW EO D

EHKDQGODV YDOHW PHOODQ DWW I|UHVNULYD DWW GHQ VRP DQPlOHU HQ |YHUWUlGHOVH

VND XSSJH VLWW QDPQ PHQ GlUHIWHU HUEMXGDV HWW VN\GG I|U DWW LGHQWLWHWHQ

LQWH U|MV VHNUHWHVVN\GG HOOHU DWW GHW VND VWlOODV NUDY Sn DQRQ\PD DQPlO

QLQJDU 9DOHW LQQHEDU HWW VHNUHWHVVN\GG 9LG LQI|UDQGHW DY Q|GYlQGLJD

ODJlQGULQJDU WLOO I|OMG DY I|URUGQLQJHQ RP YlUGHSDSSHUVFHQWUDOHU 3ULLS

I|URUGQLQJHQ RFK 0L),' ,, JMRUGH UHJHULQJHQ VDPPD EHG|PQLQJ VRP YLG

JHQRPI|UDQGHW DY NDSLWDOWlFNQLQJVGLUHNWLYHW SURS V

SURS V RFK SURS V

'H QX DNWXHOOD UHJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO

F PRWVYDUDU UHJOHUQD L NDSLWDOWlFNQLQJVGLUHNWLYHW DUWLNHO G

I|URUGQLQJHQ RP YlUGHSDSSHUVFHQWUDOHU DUWLNHO G 3ULLS

I|URUGQLQJHQ DUWLNHO F RFK 0L),' ,, DUWLNHO F 'HW ILQQV LQWH

VNlO I|U DWW J|UD HQ DQQDQ EHG|PQLQJ DYVHHQGH GHW VN\GG I|U HQ DQ

PlODUHV LGHQWLWHW VRP I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW I|UHVNULYHU

%HVWlPPHOVHQ L NDS E † I|UVWD VW\FNHW 26/ RPIDWWDU GHQ WLOOV\Q

VRP )LQDQVLQVSHNWLRQHQV NRPPHU DWW EHGULYD HQOLJW GHQ Q\D ODJHQ RP

I|UVlNULQJVGLVWULEXWLRQ 1lU GHW JlOOHU NUDYHW Sn VN\GG I|U DQPlODUHQV

LGHQWLWHW L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO F NUlYV VnOHGHV

LQWH QnJRQ ODJVWLIWQLQJVnWJlUG EHWUlIIDQGH XSSJLIWHU L HQ VWDWOLJ P\QGLJ

KHWV YHUNVDPKHW

1lU GHW JlOOHU IUnJDQ RP VN\GG I|U GHQ XWSHNDGH SHUVRQHQV LGHQWLWHW

NDQ I|OMDQGH NRQVWDWHUDV .DSLWDOWlFNQLQJVGLUHNWLYHW LQQHKnOOHU LQWH QnJRW

NUDY Sn PHGOHPVVWDWHUQD DWW LQI|UD EHVWlPPHOVHU RP HWW VnGDQW VN\GG

PHQ L OLNKHW PHG I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW LQQHKnOOHU I|URUG

QLQJHQ RP YlUGHSDSSHUVFHQWUDOHU 3ULLS I|URUGQLQJHQ RFK 0L),' ,, HWW

VnGDQW NUDY )UnJDQ RP VN\GG I|U GHQ DQPlOGHV LGHQWLWHW EHKDQGODGHV

GlUI|U L VDPEDQG PHG LQI|UDQGHW DY Q|GYlQGLJD ODJlQGULQJDU WLOO I|OMG DY

I|URUGQLQJHQ RP YlUGHSDSSHUVFHQWUDOHU SURS V ±

3ULLS I|URUGQLQJHQ SURS V ± RFK 0L),' ,, SURS

V ± 9LG LQI|UDQGHW DY Q|GYlQGLJD ODJlQGULQJDU WLOO

I|OMG DY I|URUGQLQJHQ RP YlUGHSDSSHUVFHQWUDOHU NRQVWDWHUDGH UHJHULQJHQ

EO D DWW QnJRQ VHNUHWHVV I|U XSSJLIW RP LGHQWLWHWHQ Sn GHQ VRP RPIDWWDV

DY HQ DQPlODQ WLOO )LQDQVLQVSHNWLRQHQ LQWH I|UHOnJ VHGDQ WLGLJDUH 'lUI|U

I|UHVORJV HQ Q\ EHVWlPPHOVH L NDS E † DQGUD VW\FNHW 26/ XWIRUPDG

HIWHU I|UHELOG DY NDS † VDPPD ODJ )|U DWW PLQLPHUD LQJUHSSHW L

RIIHQWOLJKHWVSULQFLSHQ JMRUGH UHJHULQJHQ EHG|PQLQJHQ DWW GHQ Q\D

EHVWlPPHOVHQ EDUD VNXOOH UHJOHUD GHQ VLWXDWLRQ VRP EHVNULYV L I|URUG

QLQJHQ RP YlUGHSDSSHUVFHQWUDOHU

'HW NDQ NRQVWDWHUDV DWW GHW L JlOODQGH VYHQVN UlWW LQWH ILQQV QnJRQ

EHVWlPPHOVH VRP WLOOJRGRVHU GHW VN\GG I|U GHQ DQPlOGHV LGHQWLWHW VRP

VND ILQQDV HQOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW )|U DWW IXOOW XW

XSSI\OOD GHW NUDY Sn VHNUHWHVV VRP VWlOOV XSS L I|UVlNULQJVGLVWULEXWLRQV

GLUHNWLYHW EHK|YHU GlUI|U 26/ NRPSOHWWHUDV PHG HQ Q\ VHNUHWHVV

EHVWlPPHOVH

opaginerad DOOYDUOLJD |YHUWUlGHOVHU EHJnQJQD LQRP I|UHWDJHW SURS Kontrollera mot PDF

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHWV NUDY Sn LGHQWLWHWVVN\GG I|U GHQ VRP

DQPlODQ DYVHU lU PRWLYHUDW DY DQGUD VNlO lQ YDG VRP PRWLYHUDU VN\GG I|U

DQPlODUHQV LGHQWLWHW 6\IWHW PHG VHNUHWHVVHQ DYVHHQGH DQPlODUHQ lU DWW

P|MOLJJ|UD I|U SHUVRQDO DWW XWDQ UlGVOD I|U UHSUHVVDOLHU NXQQD UDSSRUWHUD

DOOYDUOLJD |YHUWUlGHOVHU EHJnQJQD LQRP I|UHWDJHW SURS

V I 1nJRW VnGDQW V\IWH ILQQV LQWH PHG VHNUHWHVVN\GGHW I|U GHQ VRP

DQPlOV 0RWLYHW I|U LGHQWLWHWVVN\GG I|U GHQ DQPlOGH lU L VWlOOHW LQWHJUL

WHWVVNlO 'HW NDQ ILQQDV HQ ULVN I|U DWW GHQ XWSHNDGH SHUVRQHQ NDQ XWVlWWDV

I|U DQGUDV PLVVDNWQLQJ RP KDQV HOOHU KHQQHV QDPQ EOLU NlQW 6DPWLGLJW

ILQQV GHW HWW SnWDJOLJW LQWUHVVH DY LQV\Q L WLOOV\QVP\QGLJKHWHUV YHUNVDP

KHW LQWH PLQVW QlU GHW JlOOHU VnGDQ VDPKlOOVHNRQRPLVNW EHW\GHOVHIXOO

WLOOV\Q VRP I|UHNRPPHU Sn ILQDQVPDUNQDGVRPUnGHW 'HQ Q\D VHNUHWHVV

EHVWlPPHOVHQ E|U XWIRUPDV HIWHU I|UHELOG DY EHVWlPPHOVHQ L NDS

E † DQGUD VW\FNHW 26/ JHQRP DWW GHW VW\FNHW InU HQ Q\ XWIRUPQLQJ VRP

GlUXW|YHU lYHQ RPIDWWDU HWW VN\GG I|U GHQ DQPlOGHV LGHQWLWHW HQOLJW

EHVWlPPHOVHUQD L DQGUD RFK WUHGMH VW\FNHQD 6HNUHWHVV E|U JlOOD L HQ

VWDWOLJ P\QGLJKHWV YHUNVDPKHW HQOLJW ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ I|U

XSSJLIW RP HQ HQVNLOGV SHUVRQOLJD RFK HNRQRPLVND I|UKnOODQGHQ L HQ

DQPlODQ HOOHU XWVDJD RP HQ |YHUWUlGHOVH DY HQ EHVWlPPHOVH VRP JlOOHU

I|U I|UVlNULQJVGLVWULEXW|UHUV YHUNVDPKHW RP XSSJLIWHQ NDQ DYVO|MD GHQ

DQPlOGHV LGHQWLWHW RFK GHW LQWH VWnU NODUW DWW XSSJLIWHQ NDQ U|MDV XWDQ DWW

GHQQH OLGHU VNDGD HOOHU PHQ 'HW lU DOOWVn IUnJD RP HWW V N RPYlQW VNDGH

UHNYLVLW )|U DWW PLQLPHUD LQJUHSSHW L RIIHQWOLJKHWVSULQFLSHQ E|U EH

VWlPPHOVHQ EHJUlQVDV WLOO DWW HQGDVW RPIDWWD HQ VWDWOLJ P\QGLJKHWV

YHUNVDPKHW HQOLJW ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ RFK XSSJLIWHU L HQ

DQPlODQ HOOHU XWVDJD RP |YHUWUlGHOVHU DY EHVWlPPHOVHU VRP JlOOHU I|U

I|UVlNULQJVGLVWULEXW|UHUV YHUNVDPKHW )|UVODJHW LQQHElU YLGDUH DWW PHG

GHODUIULKHW VND JlOOD 'HQ W\VWQDGVSOLNW VRP I|OMHU DY GHQ Q\D EHVWlP

PHOVHQ E|U LQWH LQVNUlQND UlWWHQ HQOLJW WU\FNIULKHWVI|URUGQLQJHQ RFK

\WWUDQGHIULKHWVJUXQGODJHQ DWW PHGGHOD RFK RIIHQWOLJJ|UD XSSJLIWHU

NDS † I|UVWD VW\FNHW 26/

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW VWlOOHU NUDY Sn HWW LGHQWLWHWVVN\GG L

DOOD VNHHQGHQ DY I|UIDUDQGHW 5HJOHULQJHQ L 26/ RP W\VWQDGVSOLNW RFK

I|UEXG DWW OlPQD XW DOOPlQQD KDQGOLQJDU ULNWDU VLJ WLOO P\QGLJKHWHU RFK

SHUVRQHU YHUNVDPPD L GHW DOOPlQQDV WMlQVW 3n ILQDQVPDUNQDGVRPUnGHW

ILQQV GHW L VWlOOHW VlUVNLOGD UHJOHU RP W\VWQDGVSOLNW I|U ROLND VODJ DY

ILQDQVLHOOD I|UHWDJ RFK YHUNVDPKHWHU L GHQ ODJVWLIWQLQJ VRP JlOOHU I|U

ROLND VHNWRUHU DY ILQDQVPDUNQDGHQ W H[ EDQN I|UVlNULQJV HOOHU YlUGH

SDSSHUVU|UHOVH 6HNUHWHVVN\GG I|U DQPlODUHQV PHQ LQWH I|U GHQ XWSHNDGH

SHUVRQHQV LGHQWLWHW ILQQV EO D L ODJHQ RP EDQN RFK ILQDQVLHULQJVU|UHOVH

NDS † I|UVWD VW\FNHW RFK ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ NDS

† DQGUD VW\FNHW PHQ LQWH L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ RFK

I|UVlNULQJVU|UHOVHODJHQ (Q lQGULQJ L GHW DYVHHQGHW L ODJHQ RP YlUGHSDS

SHUVPDUNQDGHQ KDU HPHOOHUWLG Q\OLJHQ I|UHVODJLWV SURS

V )|U DWW VlNHUVWlOOD VN\GGHW I|U HQ DQPlODUHV RFK HQ XWSHNDG

SHUVRQV LGHQWLWHW L DOOD VNHGHQ DY I|UIDUDQGHW L HQOLJKHW PHG I|UVlNULQJV

GLVWULEXWLRQVGLUHNWLYHW E|U GHW HQOLJW ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

JlOOD HWW I|UEXG I|U GHQ VRP lU HOOHU KDU YDULW NQXWHQ WLOO HQ I|UVlNULQJV

GLVWULEXW|U VRP DQVWlOOG HOOHU XSSGUDJVWDJDUH DWW REHK|ULJHQ U|MD HQ

XSSJLIW L HQ DQPlODQ HOOHU HQ XWVDJD RP HQ PLVVWlQNW |YHUWUlGHOVH DY HQ

EHVWlPPHOVH VRP JlOOHU I|U YHUNVDPKHWHQ RP XSSJLIWHQ NDQ DYVO|MD

opaginerad )|URUGQDQGH DY UHYLVRU YLG UHYLVLRQ DY Kontrollera mot PDF

DQPlODUHQV HOOHU GHQ XWSHNDGH SHUVRQHQV LGHQWLWHW 6N\GGHW E|U IUDPI|U

DOOW RPIDWWD XSSJLIWHU VRP NRPPXQLFHUDV IUnQ )LQDQVLQVSHNWLRQ LQRP

UDPHQ I|U HWW WLOOV\QVlUHQGH HOOHU VRP KDQWHUDV LQRP HQ MXULGLVN SHUVRQV

LQWHUQD UDSSRUWHULQJVV\VWHP RFK VRP Sn QnJRW VlWW NDQ DYVO|MD YHP

DQPlODUHQ HOOHU GHQ XWSHNDGH lU , |YULJW KlQYLVDV WLOO GH |YHUYlJDQGHQ

VRP UHJHULQJHQ JMRUGH PHG DQOHGQLQJ DY JHQRPI|UDQGHW L VYHQVN UlWW DY

NDSLWDOWlFNQLQJVGLUHNWLYHW SURS V ±

)|URUGQDQGH DY UHYLVRU YLG UHYLVLRQ DY

I|UVlNULQJVI|UPHGODUH

3URPHPRULDQV I|UVODJ %HVWlPPHOVHUQD L ODJHQ RP I|UVlNULQJV

I|UPHGOLQJ RP I|URUGQDQGH DY UHYLVRU VND I|UDV |YHU WLOO ODJHQ RP

I|UVlNULQJVGLVWULEXWLRQ

6NlOHQ I|U SURPHPRULDQV I|UVODJ )|U I|UVlNULQJVI|UPHGODUH VRP HQOLJW ODJ VND XWVH UHYLVRU JlOOHU L GDJ HQOLJW ODJHQ RP I|UVlNULQJV I|UPHGOLQJ DWW )LQDQVLQVSHNWLRQHQ InU I|URUGQD HQ UHYLVRU DWW PHG |YULJD UHYLVRUHU GHOWD L UHYLVLRQHQ DY I|UVlNULQJVI|UPHGODUHQ NDS † ,QVSHNWLRQHQ InU QlU VRP KHOVW nWHUNDOOD HWW VnGDQW I|URUGQDQGH RFK XWVH HQ Q\ UHYLVRU 5HYLVRUQ KDU YLGDUH UlWW WLOO VNlOLJW DUYRGH DY I|UVlNULQJV I|UPHGODUHQ I|U VLWW DUEHWH $UYRGHWV VWRUOHN EHVWlPV DY )LQDQVLQVSHN WLRQHQ 0RWVYDUDQGH EHVWlPPHOVHU RP )LQDQVLQVSHNWLRQHQV P|MOLJKHW DWW I|URUGQD RP UHYLVRU YLG UHYLVLRQ DY I|UVlNULQJVI|UHWDJ ILQQV L I|UVlN ULQJVU|UHOVHODJHQ NDS †

'HW E|U lYHQ HQOLJW GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ ILQQDV HQ PRWVYDUDQGH P|MOLJKHW I|U )LQDQVLQVSHNWLRQHQ DWW I|URUGQD HQ UHYLVRU VRP GHOWDU L UHYLVLRQHQ DY HQ I|UVlNULQJVI|UPHGODUH bYHQ L GHQ Q\D ODJHQ E|U DQJHV DWW UHYLVRUQ KDU UlWW WLOO VNlOLJW DUYRGH DY I|UVlNULQJV I|UPHGODUHQ I|U VLWW DUEHWH VDPW DWW DUYRGHWV VWRUOHN VND EHVWlPPDV DY )LQDQVLQVSHNWLRQHQ

$YJLIWHU

3URPHPRULDQV I|UVODJ %HVWlPPHOVHUQD L ODJHQ RP I|UVlNULQJV I|UPHGOLQJ RP DYJLIWHU WLOO )LQDQVLQVSHNWLRQHQV VND I|UDV |YHU L KXYXGVDN RI|UlQGUDGH WLOO ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

)LQDQVLQVSHNWLRQHQ VND In WD XW nUOLJD DYJLIWHU IUnQ GH ROLND W\SHU DY I|UHWDJ VRP VWnU XQGHU LQVSHNWLRQHQV WLOOV\Q HQOLJW ODJHQ RP I|UVlN ULQJVGLVWULEXWLRQ

)LQDQVLQVSHNWLRQHQ VND RFNVn In WD XW DYJLIWHU I|U DQV|NQLQJDU RP WLOOVWnQG RFK DQPlOQLQJDU VRP J|UV HQOLJW ODJHQ

5HJHULQJHQ InU PHGGHOD I|UHVNULIWHU RP GHVVD DYJLIWHU

6NlOHQ I|U SURPHPRULDQV I|UVODJ 3n VDPPD VlWW VRP HQOLJW EO D I|UVlNULQJVU|UHOVHODJHQ NDS † RFK ODJHQ RP I|UVlNULQJV I|UPHGOLQJ NDS † E|U )LQDQVLQVSHNWLRQHQ In WD XW DYJLIWHU I|U DWW ILQDQVLHUD VLQ YHUNVDPKHW HQOLJW GHQ Q\D ODJHQ RP I|UVlNULQJV GLVWULEXWLRQ )LQDQVLQVSHNWLRQHQ E|U VnOHGHV In WD XW nUOLJD DYJLIWHU IUnQ

GH ROLND W\SHU DY I|UHWDJ VRP VWnU XQGHU LQVSHNWLRQHQV WLOOV\Q HQOLJW ODJHQ

opaginerad ,QJULSDQGH PRW I|UVlNULQJVGLVWULEXW|UHU RFK YLVVD I\VLVND SHUVRQHU Kontrollera mot PDF

VDPW DYJLIWHU I|U DQV|NQLQJDU RP WLOOVWnQG RFK DQPlOQLQJDU 5HJHULQJHQ E|U In PHGGHOD I|UHVNULIWHU RP VnGDQD DYJLIWHU , GDJ ILQQV I|UHVNULIWHU RP DYJLIWHU WLOO )LQDQVLQVSHNWLRQHQ L I|URUGQLQJHQ RP nUOLJD DYJLIWHU I|U ILQDQVLHULQJ DY )LQDQVLQVSHNWLRQHQV YHUNVDPKHW RFK L I|URUGQLQJHQ RP DYJLIWHU I|U SU|YQLQJ DY lUHQGHQ KRV )LQDQVLQVSHNWLRQHQ

,QJULSDQGH PRW I|UVlNULQJVGLVWULEXW|UHU RFK YLVVD I\VLVND SHUVRQHU

,QOHGQLQJ

5HJOHUQD RP LQJULSDQGHQ L I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW LQQHElU L KXYXGVDN DWW PHGOHPVVWDWHUQD VND EHVOXWD RP OlPSOLJD VDQNWLRQHU GHOV I|U SHUVRQHU VRP XW|YDU YHUNVDPKHW VRP I|UVlNULQJVI|UPHGODUH XWDQ DWW YDUD UHJLVWUHUDGH GHOV I|U I|UVlNULQJVI|UHWDJ VRP XWQ\WWMDU I|UVlNULQJV I|UPHGOLQJVWMlQVWHU VRP WLOOKDQGDKnOOV DY SHUVRQHU VRP LQWH lU UHJLVWUHUDGH L QnJRQ PHGOHPVVWDW GHOV I|U I|UVlNULQJVI|UPHGODUH VRP LQWH I|OMHU GH QDWLRQHOOD EHVWlPPHOVHU VRP KDU DQWDJLWV L HQOLJKHW PHG GLUHNWLYHW DUWLNHO 'HQ QlUPDUH XWIRUPQLQJHQ DY EHVWlPPHOVHU RP LQJULSDQGHEHIRJHQKHWHU lU HQOLJW GHW GLUHNWLYHW HQ IUnJD I|U YDUMH PHGOHPVVWDW DWW KDQWHUD )|UVlNULQJVI|UPHGOLQJVGLUHNWLYHWV UHJOHU KDU L VYHQVN UlWW JHQRPI|UWV L EHVWlPPHOVHU L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ NDS 8W|YHU GH EHVWlPPHOVHU VRP KDU VLQ JUXQG L GLUHNWLYHW LQQHKnOOHU ODJHQ lYHQ EHVWlPPHOVHU RP LQJULSDQGHQ VRP L KXYXGVDN XWIRUPDWV HIWHU I|UHELOG DY EHVWlPPHOVHU L ODJHQ RP EDQN RFK ILQDQVLHULQJVU|UHOVH RFK I|UVlNULQJVU|UHOVHODJHQ RFK EHVWlPPHOVHU L QXPHUD XSSKlYGD ODJHQ RP I|UVlNULQJVPlNODUH RFK I|URUGQLQJHQ RP I|UVlNULQJVPlNODUH VH SURS V ±

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW LQQHKnOOHU WLOO VNLOOQDG IUnQ I|UVlN

ULQJVI|UPHGOLQJVGLUHNWLYHW GHWDOMHUDGH UHJOHU RP LQJULSDQGHQ VRP VND J|UD GHW P|MOLJW I|U GH EHK|ULJD P\QGLJKHWHUQD L PHGOHPVVWDWHUQD DWW YLG |YHUWUlGHOVH DY UHJOHUQD L GLUHNWLYHW EHVOXWD RP YLVVD DQJLYQD GLVFLSOLQ nWJlUGHU $GPLQLVWUDWLYD VDQNWLRQHU RFK DQGUD nWJlUGHU VND HQOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW GLUHNWLYHW YDUD HIIHNWLYD SURSRUWLRQHOOD RFK DYVNUlFNDQGH DUWLNHO 'H W\SHU DY nWJlUGHU VRP HQOLJW GLUHNWLYHW nWPLQVWRQH VND NXQQD DNWXDOLVHUDV lU I|UHOlJJDQGH RP DWW XSSK|UD PHG HWW YLVVW DJHUDQGH nWHUNDOOHOVH DY WLOOVWnQG RFK RIIHQWOLJW XWOnWDQGH PHG XSSJLIW RP GHQ DQVYDULJD I\VLVND HOOHU MXULGLVND SHUVRQHQ RFK |YHUWUlGHOVHQV DUW DUWLNHO D±G RFK , GH Q\D UHJOHUQD DQJHV YLOND |YHUWUlGHOVHU VRP VND NXQQD OHGD WLOO VDQNWLRQHU HOOHU DQGUD DGPLQLVWUDWLYD nWJlUGHU DUWLNHO H RFK I RFK YLOND RPVWlQGLJKHWHU VRP VND EHDNWDV YLG XW|YDQGHW DY LQJULSDQGHEHIRJHQKHWHUQD DUWLNHO $Y GLUHNWLYHW I|OMHU lYHQ EO D NUDY Sn DWW WLOOV\QVP\QGLJKHWHQ VND KD P|MOLJKHW DWW LQJULSD PRW I|UVlNULQJVGLVWULEXW|UHU JHQRP VDQNWLRQV DYJLIWHU RFK NUDY Sn DWW YLVVD I\VLVND SHUVRQHU VND NXQQD KnOODV DQVYDULJD I|U HQ MXULGLVN SHUVRQV |YHUWUlGHOVHU JHQRP HWW WLOOIlOOLJW I|UEXG DWW XW|YD YLVVD IXQNWLRQHU VDPW JHQRP VDQNWLRQVDYJLIWHU DUWLNODUQD RFK H RFK I 'LUHNWLYHW UHJOHUDU lYHQ QLYnQ Sn GHQ K|JVWD VDQNWLRQVDYJLIW VRP

opaginerad ,QJULSDQGH PRW I|UVlNULQJVGLVWULEXW|UHU RFK YLVVD I\VLVND SHUVRQHU Kontrollera mot PDF

nWPLQVWRQH VND NXQQD WDV XW DUWLNHO H RFK I , GLUHNWLYHW ILQQV YLGDUH UHJOHU RP KXU HWW RIIHQWOLJJ|UDQGH DY EHVOXW RP VDQNWLRQHU RFK nWJlUGHU VND VNH DUWLNHO UHJOHU RP NUDY Sn V\VWHP I|U PRWWDJDQGH RFK KDQWHULQJ DY DQPlOQLQJDU IUnQ V N YLVVHOEOnVDUH RFK VN\GG I|U SHUVRQXSSJLIWHU YLG VnGDQD DQPlOQLQJDU DUWLNHO VDPW RP EHK|ULJD P\QGLJKHWHUV UDSSRUWHULQJVVN\OGLJKHW WLOO (LRSD DUWLNHO

'H UHJOHU RP VDQNWLRQHU VRP ILQQV L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW XWJ|U HQ PLQLPLUHJOHULQJ 'HW lU DOOWVn WLOOnWHW I|U PHGOHPVVWDWHUQD DWW L QDWLRQHOO UlWW LQI|UD VWUlQJDUH UHJOHU lQ YDG VRP I|OMHU DY GLUHNWLYHW DUWLNHO

, GH I|OMDQGH DYVQLWWHQ UHGRJ|UV I|U GH I|UVODJ VRP V\IWDU WLOO DWW L VYHQVN UlWW LQI|UD GHQ VDQNWLRQVUHJLP VRP I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW NUlYHU I|U GH ROLND DNW|UHU VRP RPIDWWDV DY VN\OGLJKHWHUQD L GLUHNWLYHW

$GPLQLVWUDWLYD VDQNWLRQHU HOOHU VWUDIIUlWWVOLJD SnI|OMGHU

3URPHPRULDQV EHG|PQLQJ 'HW VDNQDV DQOHGQLQJ DWW LQI|UD EHVWlP PHOVHU RP VWUDIIDQVYDU I|U |YHUWUlGHOVHU DY GH EHVWlPPHOVHU VRP L VYHQVN UlWW JHQRPI|U I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

6NlOHQ I|U SURPHPRULDQV EHG|PQLQJ )|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHWV UHJOHU RP VDQNWLRQHU lU LQWH DYVHGGD DWW SnYHUND WLOOlPSQLQJHQ DY VWUDIIUlWWVOLJD SnI|OMGHU L PHGOHPVVWDWHUQD DUWLNHO 2P HQ PHGOHPVVWDW YlOMHU DWW LQWH LQI|UD DGPLQLVWUDWLYD VDQNWLRQHU XWDQ L VWlOOHW DQYlQGD VWUDIIUlWWVOLJD SnI|OMGHU VND PHGOHPVVWDWHUQD PHGGHOD NRPPLV VLRQHQ GH UHOHYDQWD VWUDIIUlWWVOLJD EHVWlPPHOVHUQD (Q VDQNWLRQVUHJLP VRP PRWVYDUDU GHQ VRP ILQQV L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW KDU LQI|UWV L IOHUD ODJDU Sn ILQDQVPDUNQDGVRPUnGHW , GH WLGLJDUH ODJVWLIWQLQJV lUHQGHQD VRP U|UW EO D ODJHQ RP EDQN RFK ILQDQVLHULQJVU|UHOVH RFK ODJHQ RP YlUGHSDSSHUVIRQGHU KDU UHJHULQJHQ EHG|PW DWW GHW VDNQDV VNlO DWW LQI|UD EHVWlPPHOVHU RP VWUDIIDQVYDU I|U |YHUWUlGHOVHU DY GH EHVWlP PHOVHU VRP JHQRPI|U GH DNWXHOOD GLUHNWLYHQ MIU EO D SURS V ± 'HW VDNQDV VNlO DWW J|UD HQ DQQDQ EHG|PQLQJ L GHWWD ODJVWLIW QLQJVlUHQGH 6DQNWLRQHUQD I|U |YHUWUlGHOVHU DY GH EHVWlPPHOVHU VRP L VYHQVN UlWW JHQRPI|U I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW E|U VnOHGHV YDUD DY DGPLQLVWUDWLYW VODJ

,QJULSDQGH JHQRP I|UHOlJJDQGH I|UEXG DWW YHUNVWlOOD EHVOXW DQPlUNQLQJ nWHUNDOOHOVH DY WLOOVWnQG I|UYHUNDQGH DY NRQFHVVLRQ HOOHU YDUQLQJ

3URPHPRULDQV I|UVODJ %HVWlPPHOVHUQD L ODJHQ RP I|UVlNULQJV

I|UPHGOLQJ RP )LQDQVLQVSHNWLRQHQV P|MOLJKHWHU DWW LQJULSD JHQRP

I|UHOlJJDQGH I|UEXG DWW YHUNVWlOOD EHVOXW DQPlUNQLQJ nWHUNDOOHOVH DY

HQ I|UVlNULQJVI|UPHGODUHV WLOOVWnQG I|UYHUNDQGH DY HWW I|UVlNULQJV

I|UHWDJV NRQFHVVLRQ RFK YDUQLQJ VND I|UDV |YHU WLOO ODJHQ RP I|UVlN

ULQJVGLVWULEXWLRQ

opaginerad %HVWlPPHOVHQ L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ RP DWW UHJOHUQD RP Kontrollera mot PDF

%HVWlPPHOVHQ L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ RP DWW UHJOHUQD RP

nWHUNDOOHOVH DY WLOOVWnQG VND YDUD WLOOlPSOLJD lYHQ Sn UHJLVWUHULQJ VND

I|UDV |YHU L KXYXGVDN RI|UlQGUDG WLOO GHQ Q\D ODJHQ

%HVWlPPHOVHUQD L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ RP DWW VLGR

WLOOVWnQG VND nWHUNDOODV RP WLOOVWnQG HOOHU UHJLVWUHULQJ I|U DWW EHGULYD

I|UVlNULQJVGLVWULEXWLRQ nWHUNDOODWV RFK DWW )LQDQVLQVSHNWLRQHQ VND

XQGHUUlWWD %RODJVYHUNHW HOOHU EHK|ULJD P\QGLJKHWHU L DQGUD OlQGHU RP

lQGULQJDU L IUnJD RP WLOOVWnQG HOOHU UHJLVWUHULQJ VND I|UDV |YHU WLOO GHQ

Q\D ODJHQ

3URPHPRULDQV EHG|PQLQJ )|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHWV

NUDY Sn LQJULSDQGH JHQRP RIIHQWOLJW PHGGHODQGH L YLONHW GHQ I\VLVND

HOOHU MXULGLVND SHUVRQHQ OLNVRP |YHUWUlGHOVHQV NDUDNWlU DQJHV lU XSS

I\OOW JHQRP GH |YULJD LQJULSDQGHP|MOLJKHWHU VRP I|UHVOnV L ODJHQ RP

I|UVlNULQJVGLVWULEXWLRQ

6NlOHQ I|U SURPHPRULDQV I|UVODJ RFK EHG|PQLQJ 'H QXYDUDQGH

EHVWlPPHOVHUQD L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ RP LQJULSDQGH RFK

VDQNWLRQHU JHQWHPRW I|UVlNULQJVI|UPHGODUH RFK I|UVlNULQJVI|UHWDJ LQQH

ElU EO D DWW )LQDQVLQVSHNWLRQHQ VND LQJULSD RP HQ I|UVlNULQJVI|UPHGODUH

HOOHU HWW I|UVlNULQJVI|UHWDJ nVLGRVDWW VLQD VN\OGLJKHWHU HQOLJW ODJHQ HQOLJW

I|UHVNULIWHU VRP KDU PHGGHODWV PHG VW|G DY ODJHQ HOOHU I|U I|UVlNULQJV

I|UPHGODUQDV UlNQLQJ DQGUD I|UIDWWQLQJDU VRP UHJOHUDU I|UPHGODUHQV

YHUNVDPKHW NDS RFK †† )LQDQVLQVSHNWLRQHQ VND Gn XWIlUGD HWW

I|UHOlJJDQGH DWW YLGWD nWJlUG LQRP YLVV WLG HWW I|UEXG DWW YHUNVWlOOD EHVOXW

HOOHU HQ DQPlUNQLQJ 2P HQ I|UVlNULQJVI|UPHGODUHV |YHUWUlGHOVH lU DOO

YDUOLJ VND I|UPHGODUHQV WLOOVWnQG nWHUNDOODV HOOHU RP GHW lU WLOOUlFNOLJW

YDUQLQJ PHGGHODV 2P HWW I|UVlNULQJVI|UHWDJV |YHUWUlGHOVH lU DOOYDUOLJ

VND )LQDQVLQVSHNWLRQHQ Sn PRWVYDUDQGH VlWW I|UYHUND I|UHWDJHWV NRQ

FHVVLRQ HOOHU RP GHW lU WLOOUlFNOLJW PHGGHOD YDUQLQJ

)LQDQVLQVSHNWLRQHQ InU DYVWn IUnQ HWW LQJULSDQGH RP |YHUWUlGHOVHQ lU

ULQJD HOOHU XUVlNWOLJ RP I|UVlNULQJVI|UPHGODUHQ HOOHU I|UVlNULQJVI|UH

WDJHW J|U UlWWHOVH HOOHU RP QnJRW DQQDW RUJDQ KDU YLGWDJLW nWJlUGHU PRW

I|UPHGODUHQ HOOHU I|UHWDJHW RFK GHVVD nWJlUGHU EHG|PV VRP WLOOUlFNOLJD

NDS † WUHGMH VW\FNHW RFK † WUHGMH VW\FNHW

, ODJHQ RP I|UVlNULQJVI|UPHGOLQJ ILQQV GHW lYHQ EHVWlPPHOVHU RP

LQJULSDQGHQ PRW EO D I|UVlNULQJVI|UPHGODUH RFK I|UVlNULQJVI|UHWDJ RFK

XWOlQGVND I|UVlNULQJVI|UPHGODUH YLG YLVVD VlUVNLOW DQJLYQD EULVWHU HOOHU

DJHUDQGHQ NDS ± RFK ± †† )LQDQVLQVSHNWLRQHQ VND EO D nWHUNDOOD

HQ I|UVlNULQJVI|UPHGODUHV WLOOVWnQG RP I|UPHGODUHQ LQWH LQRP HWW nU IUnQ

GHW DWW WLOOVWnQG EHYLOMDGHV KDU E|UMDW XW|YD VnGDQ YHUNVDPKHW VRP WLOO

VWnQGHW DYVHU RP I|UPHGODUHQ KDU I|UNODUDW VLJ DYVWn IUnQ WLOOVWnQGHW HOOHU

XQGHU HQ VDPPDQKlQJDQGH WLG DY VH[ PnQDGHU LQWH KDU XW|YDW VnGDQ

YHUNVDPKHW VRP WLOOVWnQGHW DYVHU HOOHU LQWH OlQJUH XSSI\OOHU I|UXWVlWW

QLQJDUQD I|U WLOOVWnQG NDS † I|UVWD VW\FNHW 2P QnJRQ VRP LQJnU L

OHGQLQJHQ I|U HQ MXULGLVN SHUVRQ LQWH XSSI\OOHU YLVVD NUDY InU WLOOVWnQGHW

RFNVn nWHUNDOODV RP )LQDQVLQVSHNWLRQHQ I|UVW EHVOXWDW DWW DQPlUND Sn DWW

SHUVRQHQ LQJnU L OHGQLQJHQ RFK KDQ HOOHU KRQ HIWHU HQ YLVV WLG WURWV GHWWD

IRUWIDUDQGH ILQQV NYDU L OHGQLQJHQ I|U GHQ MXULGLVND SHUVRQHQ NDS †

DQGUD VW\FNHW (WW EHVOXW RP nWHUNDOOHOVH InU YLGDUH I|UHQDV PHG I|UEXG

DWW IRUWVlWWD YHUNVDPKHWHQ 8QGHU YLVVD I|UXWVlWWQLQJDU InU lYHQ L QX DQ

JLYQD IDOO L VWlOOHW YDUQLQJ PHGGHODV

opaginerad 6RP QlPQV RYDQ DYVQLWW LQQHKnOOHU I|UVlNULQJVGLVWULEXWLRQV Kontrollera mot PDF

6RP QlPQV RYDQ DYVQLWW LQQHKnOOHU I|UVlNULQJVGLVWULEXWLRQV

GLUHNWLYHW DUWLNHO WLOO VNLOOQDG IUnQ I|UVlNULQJVI|UPHGOLQJV

GLUHNWLYHW HQ XSSUlNQLQJ DY UHJOHU VRP RP GH |YHUWUlGV VND NXQQD OHGD

WLOO VDQNWLRQHU HOOHU DQGUD DGPLQLVWUDWLYD nWJlUGHU 6RP |YHUWUlGHOVHU VRP

VND NXQQD PHGI|UD HWW LQJULSDQGH DQJHV L GLUHNWLYHW DWW SHUVRQHU XQGHU

OnWLW DWW UHJLVWUHUD VLQ GLVWULEXWLRQVYHUNVDPKHW L HQOLJKHW PHG GLUHNWLYHW

RFK DWW I|UVlNULQJVI|UPHGODUH HOOHU I|UVlNULQJVI|UHWDJ DQYlQGHU VLJ DY

VnGDQD SHUVRQHUV I|UVlNULQJV HOOHU nWHUI|UVlNULQJVWMlQVWHU (Q |YHU

WUlGHOVH NDQ RFNVn EHVWn L DWW HWW WLOOVWnQG DWW EHGULYD I|UVlNULQJV

GLVWULEXWLRQ KDU EHYLOMDWV Sn JUXQGYDO DY RULNWLJD XSSJLIWHU HOOHU Sn QnJRW

DQQDW RWLOOE|UOLJW VlWW 6OXWOLJHQ DQJHV VRP |YHUWUlGHOVHU DWW I|UVlNULQJV

GLVWULEXW|UHU LQWH LDNWWDU GLUHNWLYHWV NUDY Sn NXQVNDS RFK NRPSHWHQV

IRUWELOGQLQJ RFK \UNHVXWYHFNOLQJ RFK JRG YDQGHO DUWLNHO DWW I|UVlN

ULQJVI|UPHGODUH HOOHU I|UVlNULQJVI|UHWDJ LQWH LDNWWDU XSSI|UDQGHUHJOHUQD L

NDSLWOHQ 9 RFK 9, L GLUHNWLYHW DUWLNODUQD ± YLG GLVWULEXWLRQ DY

I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU HOOHU DWW GHVVD DNW|UHU LQWH

LDNWWDU XSSI|UDQGHUHJOHUQD L NDSLWHO 9 YLG GLVWULEXWLRQ DY DQGUD I|UVlN

ULQJVSURGXNWHU lQ I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU , GLUHNWLYHW

DQJHV GH ROLND W\SHU DY LQJULSDQGHnWJlUGHU VRP nWPLQVWRQH VND NXQQD EOL

DNWXHOOD YLG ROLND GH XSSUlNQDGH |YHUWUlGHOVHUQD DUWLNHO D±G RFK

(Q I|UVWD IUnJD lU RP LQJULSDQGHP|MOLJKHWHQ E|U EHJUlQVDV WLOO VnGDQD

|YHUWUlGHOVHU VRP DQJHV L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO

1lU GHW JlOOHU I|UVlNULQJVI|UPHGODUH RFK I|UVlNULQJVI|UHWDJ InU GH

QXYDUDQGH EHVWlPPHOVHUQD L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ DQVHV WlFND

GH UHJHO|YHUWUlGHOVHU VRP UlNQDV XSS GlU L YLVVD IDOO JHQRP GH VlUVNLOGD

EHVWlPPHOVHUQD RP LQJULSDQGH PHQ L IOHUWDOHW IDOO JHQRP GH JHQHUHOOD

EHVWlPPHOVHUQD RP LQJULSDQGH VRP LQQHElU DWW LQJULSDQGH NDQ I|OMD Sn L

SULQFLS YDUMH |YHUWUlGHOVH DY EHVWlPPHOVHU VRP JlOOHU I|U YHUNVDPKHWHQ

NDS † I|UVWD VW\FNHW RFK † I|UVWD VW\FNHW 'HW NUlYV VnOHGHV LQWH

DWW GH QXYDUDQGH DOOPlQW XWIRUPDGH LQJULSDQGHEHVWlPPHOVHUQD L ODJHQ

RP I|UVlNULQJVI|UPHGOLQJ HUVlWWV PHG Q\D EHVWlPPHOVHU VRP LQQHKnOOHU

|YHUWUlGHOVHNDWDORJHU L HQOLJKHW PHG GHQ VWUXNWXU VRP ILQQV L GLUHNWLYHW

6DPPD EHG|PQLQJ KDU JMRUWV YLG JHQRPI|UDQGHW L VYHQVN UlWW DY

OLNQDQGH UHJOHU L W H[ NDSLWDOWlFNQLQJVGLUHNWLYHW SURS

V I RFK L 8&,76 9 GLUHNWLYHW SURS V ± 'HW

ILQQV LQWH VNlO DWW L GHWWD ODJVWLIWQLQJVlUHQGH J|UD QnJRQ DQQDQ EHG|P

QLQJ lQ GHQ VRP KDU JMRUWV L GHVVD ODJVWLIWQLQJVlUHQGHQ 'H JHQHUHOOD

EHVWlPPHOVHUQD RP LQJULSDQGH PRW I|UVlNULQJVI|UPHGODUH RFK I|UVlN

ULQJVI|UHWDJ L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ E|U GlUI|U EHKnOODV RFK L

GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ JlOOD I|U DOOD W\SHU DY I|UVlN

ULQJVGLVWULEXW|UHU 'H P|MOLJKHWHU VRP GlULJHQRP NRPPHU DWW ILQQDV I|U

)LQDQVLQVSHNWLRQHQ DWW LQJULSD PRW I|UVlNULQJVGLVWULEXW|UHU I|U |YHU

WUlGHOVHU DY ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ EHG|PV XSSI\OOD GLUHNWLYHWV

NUDY DUWLNHO D±F RFK

'HW E|U I|U W\GOLJKHWHQV VNXOO IUDPKnOODV DWW I|UVlNULQJVGLVWULEXWLRQ LQWH

Q|GYlQGLJWYLV EHK|YHU EHGULYDV DY HQ MXULGLVN SHUVRQ (Q I\VLVN SHUVRQ

NDQ W H[ EHGULYD I|UVlNULQJVI|UPHGOLQJVYHUNVDPKHW PHG HJHW WLOOVWnQG L

HQVNLOG QlULQJVYHUNVDPKHW )LQDQVLQVSHNWLRQHQV LQJULSDQGHP|MOLJKHWHU

VND VnOHGHV RPIDWWD EnGH MXULGLVND RFK I\VLVND SHUVRQHU PHG WLOOVWnQG DWW

EHGULYD I|UVlNULQJVGLVWULEXWLRQ 'HQQD RUGQLQJ JlOOHU RFNVn UHGDQ L GDJ

opaginerad JHQRP EHVWlPPHOVHUQD RP LQJULSDQGH PRW I|UVlNULQJVI|UPHGODUH L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ MIU NDS † Kontrollera mot PDF

JHQRP EHVWlPPHOVHUQD RP LQJULSDQGH PRW I|UVlNULQJVI|UPHGODUH L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ MIU NDS †

)|U I|UVlNULQJVI|UHWDJ ILQQV HQ VDQNWLRQVUHJLP L ODJHQ RP I|UVlNULQJV U|UHOVH NDS VRP GHOYLV OHYHU XSS WLOO I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHWV NUDY 0RW HQ VnGDQ O|VQLQJ VRP I|UHVOnV RYDQ NDQ GlUI|U DQI|UDV DWW NUDYHQ L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW Sn DWW GHQ EHK|ULJD P\QGLJKHWHQ VND NXQQD EHVOXWD RP VDQNWLRQHU HOOHU DQGUD DGPLQLVWUDWLYD nWJlUGHU JHQWHPRW I|UVlNULQJVI|UHWDJ GHOYLV UHGDQ lU XSSI\OOW JHQRP GHVVD EHVWlPPHOVHU 'HW JDJQDU GRFN I|UXWVHEDUKHWHQ RFK VlNHUVWlOOHU HWW NRUUHNW JHQRPI|UDQGH L VYHQVN UlWW DY GH Q\D UHJOHUQD L I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW DWW LQJULSDQGHQ PRW I|UVlNULQJVI|UHWDJ VRP nVLGRVlWWHU VLQD VN\OGLJKHWHU HQOLJW GHQ Q\D ODJHQ RP I|UVlNULQJV GLVWULEXWLRQ RFNVn UHJOHUDV L GHQ ODJHQ 'HW EOLU KlULJHQRP HQ YLVV |YHU ODSSQLQJ 'HQ VLWXDWLRQHQ NDQ XSSNRPPD DWW HQ |YHUWUlGHOVH DY EHVWlP PHOVHUQD L ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ VDPWLGLJW XWJ|U HQ |YHU WUlGHOVH VRP NDQ OHGD WLOO DGPLQLVWUDWLYD VDQNWLRQHU HQOLJW ODJHQ RP I|UVlNULQJVU|UHOVH 'HW NDQ L RFK I|U VLJ ILQQDV LQYlQGQLQJDU PRW DWW KD OLNQDQGH |YHUWUlGHOVH RFK LQJULSDQGHEHVWlPPHOVHU L ROLND ODJDU 6DPWLGLJW lU GHW LQWH RYDQOLJW Sn ILQDQVPDUNQDGVRPUnGHW )|UVlNULQJV I|UHWDJHQ lU VnOHGHV YDQD YLG DWW GHW ILQQV EHVWlPPHOVHU L ROLND ODJDU RFK DQGUD I|UHVNULIWHU VRP JlOOHU SDUDOOHOOW VH lYHQ DYVQLWW 2P HWW I|UIDUDQGH XWJ|U HQ |YHUWUlGHOVH DY EnGH ODJHQ RP I|UVlNULQJVU|UHOVH RFK GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ NDQ VnOHGHV )LQDQVLQVSHNWLRQHQ YlOMD HQOLJW YLONHQ DY ODJDUQD VRP LQJULSDQGH VND VNH

,QJULSDQGH PRW VYHQVND I|UVlNULQJVI|UPHGODUH VRP EHGULYHU I|UVlNULQJVGLVWULEXWLRQ L HWW DQQDW ODQG LQRP ((6

3URPHPRULDQV I|UVODJ 2P HQ VYHQVN I|UVlNULQJVI|UPHGODUH EHGULYHU I|UVlNULQJVGLVWULEXWLRQ L HWW DQQDW ODQG LQRP ((6 PHG VW|G DY HWDEOHULQJVIULKHWHQ HOOHU IULKHWHQ DWW WLOOKDQGDKnOOD WMlQVWHU RFK KDU nVLGRVDWW VLQD VN\OGLJKHWHU HQOLJW GHQ ODJ HOOHU DQGUD I|UIDWWQLQJDU VRP UHJOHUDU I|UVlNULQJVI|UPHGODUHQV YHUNVDPKHW L GHW ODQGHW VND )LQDQV LQVSHNWLRQHQ HIWHU XQGHUUlWWHOVH IUnQ GHQ EHK|ULJD P\QGLJKHWHQ GlU LQJULSD PRW I|UPHGODUHQ RFK XQGHUUlWWD GHQ EHK|ULJD P\QGLJKHWHQ L GHW ODQGHW RP YLOND nWJlUGHU VRP KDU YLGWDJLWV )LQDQVLQVSHNWLRQHQ InU LQJULSD JHQRP DWW XWIlUGD HWW I|UHOlJJDQGH DWW J|UD UlWWHOVH LQRP HQ YLVV WLG HWW I|UEXG DWW YHUNVWlOOD EHVOXW HOOHU HQ DQPlUNQLQJ 2P |YHUWUlGHOVHQ lU DOOYDUOLJ VND I|UPHGODUHQV WLOOVWnQG nWHUNDOODV HOOHU RP GHW lU WLOOUlFNOLJW YDUQLQJ PHGGHODV

2P HQ VYHQVN I|UVlNULQJVI|UPHGODUH KDU VLQ KXYXGVDNOLJD YHUNVDP KHW L HWW DQQDW ODQG LQRP ((6 RFK RPIDWWDV DY HQ |YHUHQVNRPPHOVH RP DWW GHQ EHK|ULJD P\QGLJKHWHQ L GHW ODQGHW VND KD WLOOV\Q |YHU I|UPHGODUHQ InU )LQDQVLQVSHNWLRQHQ LQJULSD HQGDVW JHQRP DWW XWIlUGD HQ DQPlUNQLQJ PHGGHOD HQ YDUQLQJ HOOHU nWHUNDOOD I|UVlNULQJV I|UPHGODUHQV WLOOVWnQG QlU GHW JlOOHU |YHUWUlGHOVHQ L YHUNVDPKHWHQ VRP I|UPHGODUHQ EHGULYHU L GHW DQGUD ODQGHW LQRP ((6

opaginerad JHQRP EHVWlPPHOVHUQD RP LQJULSDQGH PRW I|UVlNULQJVI|UPHGODUH L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ MIU NDS † Kontrollera mot PDF

6NlOHQ I|U SURPHPRULDQV I|UVODJ 2P HQ VYHQVN I|UVlNULQJV I|UPHGODUH EHGULYHU I|UVlNULQJVGLVWULEXWLRQ L HWW DQQDW ODQG LQRP ((6 PHG VW|G DY DQWLQJHQ HWDEOHULQJVIULKHWHQ HOOHU IULKHWHQ DWW WLOOKDQGDKnOOD WMlQVWHU RFK L GHW ODQGHW nVLGRVlWWHU VLQD VN\OGLJKHWHU VND GHQ EHK|ULJD P\QGLJKHWHQ L YlUGODQGHW L YLVVD IDOO XQGHUUlWWD GHQ EHK|ULJD P\QGLJ KHWHQ L KHPODQGHW DUWLNODUQD RFK 'HQ EHK|ULJD P\QGLJKHWHQ L KHPODQGHW DOOWVn GlU I|UVlNULQJVI|UPHGODUHQ KDU VLQ KHPYLVW VND L I|UH NRPPDQGH IDOO LQJULSD PRW I|UVlNULQJVI|UPHGODUHQ RFK XQGHUUlWWD YlUGODQGVP\QGLJKHWHQ RP YLGWDJQD nWJlUGHU DUWLNODUQD DQGUD VW\FNHW RFK )|U DWW 6YHULJH VND XSSI\OOD GLUHNWLYHWV NUDY L GHWWD DYVHHQGH E|U GHW L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ WDV LQ HQ EHVWlPPHOVH VRP JHU )LQDQVLQVSHNWLRQHQ P|MOLJKHW DWW LQJULSD PRW HQ I|UVlNULQJV I|UPHGODUH VRP EHGULYHU I|UVlNULQJVGLVWULEXWLRQ L HWW DQQDW ODQG LQRP ((6 VH DYVQLWW I|U LQJULSDQGHQ PRW ((6 I|UVlNULQJVI|UPHGODUH VRP EHGULYHU YHUNVDPKHW L 6YHULJH )LQDQVLQVSHNWLRQHQV P|MOLJKHWHU DWW LQJULSD PRW HQ I|UVlNULQJVI|UPHGODUH VRP EHGULYHU I|UVlNULQJVGLVWUL EXWLRQ L HWW DQQDW ODQG LQRP ((6 E|U YDUD GHVDPPD VRP L DQGUD IDOO )LQDQVLQVSHNWLRQHQ VND YDUD VN\OGLJ DWW XQGHUUlWWD GHQ EHK|ULJD P\QGLJ KHWHQ L YlUGODQGHW RP YLOND nWJlUGHU VRP KDU YLGWDJLWV

2P )LQDQVLQVSHNWLRQHQ KDU LQJnWW HQ LQWHUQDWLRQHOO |YHUHQVNRPPHOVH RP DWW WLOOV\QHQ |YHU HQ I|UVlNULQJVI|UPHGODUH PHG KHPYLVW RFK WLOOVWnQG HOOHU UHJLVWUHULQJ L 6YHULJH VND XW|YDV DY HQ EHK|ULJ P\QGLJKHW L HWW DQQDW ODQG LQRP ((6 LQQHElU GHW LQWH DWW I|UVlNULQJVI|UPHGODUHQV JUXQG OlJJDQGH VWlOOQLQJ VRP VYHQVNW DVVRFLDWLRQVUlWWVOLJW RFK QlULQJVUlWWVOLJW VXEMHNW lQGUDV 'HW LQQHElU DWW GHQ XWOlQGVND P\QGLJKHWHQ PHG YLONHQ )LQDQVLQVSHNWLRQHQ KDU LQJnWW |YHUHQVNRPPHOVH RP |YHUI|ULQJ DY WLOOV\QVDQVYDU LQWH KDU P|MOLJKHW DWW J|UD HQ SU|YQLQJ VRP NDQ OHGD WLOO HQ nWHUNDOOHOVH DY I|UVlNULQJVI|UPHGODUHQV WLOOVWnQG HOOHU L I|UHNRPPDQGH IDOO nWHUNDOOHOVH DY UHJLVWUHULQJ 7LOOVWnQGHW DWW XW|YD I|UVlNULQJVI|UPHG OLQJ KDU HQ JnQJ PHGGHODWV HQ VYHQVN I\VLVN HOOHU MXULGLVN SHUVRQ DY )LQDQVLQVSHNWLRQHQ RFK GHW NDQ LQWH nWHUNDOODV DY HQ XWOlQGVN P\QGLJKHW %HVOXW RP LQJULSDQGHQ JHQRP DQPlUNQLQJ YDUQLQJ HOOHU nWHUNDOOHOVH DY WLOOVWnQG HOOHU UHJLVWUHULQJ PHG DQOHGQLQJ DY UHJHO|YHUWUlGHOVHU VND DOOWVn lYHQ L IRUWVlWWQLQJHQ OLJJD LQRP )LQDQVLQVSHNWLRQHQV NRPSHWHQVRPUnGH RFNVn I|U GH I|UVlNULQJVI|UPHGODUH VRP RPIDWWDV DY HQ LQWHUQDWLRQHOO |YHUHQVNRPPHOVH RP |YHUI|ULQJ DY WLOOV\QVDQVYDU 'HQ XWOlQGVND P\Q GLJKHWHQ PHG YLONHQ )LQDQVLQVSHNWLRQHQ KDU LQJnWW HQ |YHUHQVNRPPHOVH RP |YHUI|ULQJ DY WLOOV\QVDQVYDU NDQ GlUHPRW LQJULSD PRW I|UVlNULQJV I|UPHGODUHQ JHQRP DWW XW|YD GH EHIRJHQKHWHU VRP GHQ P\QGLJKHWHQ VND KD HQOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW QlPOLJHQ W H[ I|UHOlJJDQGH DWW J|UD UlWWHOVH RFK I|UHOlJJDQGH DWW XSSK|UD PHG YHUNVDPKHWHQ L GHW ODQGHW DUWLNODUQD RFK E (Q EHVWlPPHOVH RP DWW )LQDQV LQVSHNWLRQHQ InU LQJULSD PRW HQ VnGDQ VYHQVN I|UVlNULQJVI|UPHGODUH VRP EHGULYHU I|UVlNULQJVGLVWULEXWLRQ L HWW DQQDW ODQG LQRP ((6 HQGDVW JHQRP DWW XWIlUGD HQ DQPlUNQLQJ PHGGHOD HQ YDUQLQJ HOOHU nWHUNDOOD I|UVlN ULQJVI|UPHGODUHQV WLOOVWnQG E|U GlUI|U WDV LQ L GHQ Q\D ODJHQ 'HWWD E|U HPHOOHUWLG JlOOD HQGDVW I|U GHQ YHUNVDPKHW VRP I|UPHGODUHQ EHGULYHU L GHW DQGUD ODQGHW LQRP ((6 2P GHQ VYHQVND I|UVlNULQJVI|UPHGODUHQ lYHQ EHGULYHU YHUNVDPKHW L 6YHULJH VRP L GHWWD IDOO LQWH NDQ YDUD I|UPHGODUHQV KXYXGVDNOLJD YHUNVDPKHW VND )LQDQVLQVSHNWLRQHQ LQRP

opaginerad ,QJULSDQGHQ PRW I|UVlNULQJVI|UPHGODUH L VlUVNLOGD IDOO P P Kontrollera mot PDF

UDPHQ I|U VLWW WLOOV\QVDQVYDU KD P|MOLJKHWHU DWW LQJULSD PRW I|UPHGODUHQ HQOLJW GH DOOPlQQD EHVWlPPHOVHUQD RP WLOOV\Q RFK LQJULSDQGH

,QJULSDQGHQ PRW I|UVlNULQJVI|UPHGODUH L VlUVNLOGD IDOO P P

3URPHPRULDQV I|UVODJ )LQDQVLQVSHNWLRQHQ VND nWHUNDOOD HQ I|UVlN ULQJVI|UPHGODUHV WLOOVWnQG RP I|UPHGODUHQ

LQWH LQRP HWW nU IUnQ GHW DWW WLOOVWnQG EHYLOMDGHV KDU E|UMDW EHGULYD VnGDQ YHUNVDPKHW VRP WLOOVWnQGHW DYVHU

KDU I|UNODUDW VLJ DYVWn IUnQ WLOOVWnQGHW HOOHU

XQGHU HQ VDPPDQKlQJDQGH WLG DY VH[ PnQDGHU LQWH KDU EHGULYLW VnGDQ YHUNVDPKHW VRP WLOOVWnQGHW DYVHU

2P HQ I|UVlNULQJVI|UPHGODUHV WLOOVWnQG VND nWHUNDOODV Sn JUXQG DY VnGDQD RPVWlQGLJKHWHU VRP DYVHV L HOOHU InU )LQDQVLQVSHNWLRQHQ LQQDQ WLOOVWnQGHW nWHUNDOODV I|UVW SU|YD RP GHW ILQQV VNlO DWW LQJULSD PRW I|UVlNULQJVI|UPHGODUHQ HQOLJW GH DOOPlQQD EHVWlPPHOVHUQD RP LQJULSDQGH HQOLJW ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ RFK RP GHW ILQQV VnGDQD VNlO EHVOXWD RP HWW LQJULSDQGH

, IDOO VRP DYVHV L RFK InU L VWlOOHW YDUQLQJ PHGGHODV RP GHW lU WLOOUlFNOLJW

3URPHPRULDQV EHG|PQLQJ %RODJVYHUNHW E|U LQWH In EHVOXWD RP nWHUNDOOHOVH DY UHJLVWUHULQJHQ I|U HQ DQNQXWHQ I|UVlNULQJVI|UPHGODUH QlU I|UPHGODUHQ KDU I|UNODUDW VLJ DYVWn IUnQ VLQ UHJLVWUHULQJ VRP DQNQXWHQ I|UVlNULQJVI|UPHGODUH

3URPHPRULDQV 6WlUNW NRQVXPHQWVN\GG YLG I|UVlNULQJVI|UPHG OLQJV 'V I|UVODJ |YHUHQVVWlPPHU L KXYXGVDN PHG SURPH PRULDQV I|UVODJ 'HQ SURPHPRULDQV I|UVODJ DYYLNHU IUnQ SURPHPRULDQV I|UVODJ JHQRP DWW GHW LQQHElU DWW )LQDQVLQVSHNWLRQHQ QlU HQ I|UVlNULQJV I|UPHGODUH KDU I|UNODUDW VLJ DYVWn IUnQ WLOOVWnQGHW DWW XW|YD I|UVlNULQJV I|UPHGOLQJ RFK GHW VDPWLGLJW SnJnU HWW lUHQGH RP LQJULSDQGH PRW I|UPHGODUHQ RP GHW lU WLOO Q\WWD I|U XWUHGQLQJHQ L LQJULSDQGHlUHQGHW VND In I|UHQD lUHQGHQD I|U JHPHQVDP KDQGOlJJQLQJ , GHQ SURPHPRULDQ I|UH VOnV lYHQ DWW )LQDQVLQVSHNWLRQHQ RP GHW NDQ VNH XWDQ EHW\GDQGH ROlJHQ KHW I|U I|UPHGODUHQ InU DYJ|UD IUnJDQ RP LQJULSDQGH LQQDQ LQVSHNWLRQHQ DYJ|U RP WLOOVWnQGHW VND nWHUNDOODV Sn IULYLOOLJ JUXQG VDPW DWW )LQDQV LQVSHNWLRQHQ RP GHW ILQQV VNlO I|U GHW InU EHVOXWD DWW lUHQGHQD LQWH OlQJUH VND KDQGOlJJDV JHPHQVDPW

5HPLVVLQVWDQVHUQD )OHUWDOHW UHPLVVLQVWDQVHU WLOOVW\UNHU I|UVODJHW HOOHU KDU LQJHW DWW LQYlQGD PRW GHW Finansinspektionen DQVHU DWW XWWU\FNHW

´EHW\GDQGH ROlJHQKHW´ VNDSDU VWRU RVlNHUKHW NULQJ EHVWlPPHOVHQV WLOOlPSEDUKHW )LQDQVLQVSHNWLRQHQ QRWHUDU DWW GHW L EHVWlPPHOVHQ L NDS † UlWWHJnQJVEDONHQ VRP SURPHPRULDQ KlQYLVDU WLOO LQWH VWlOOV XSS QnJRW VnGDQW NUDY (QOLJW SURPHPRULDQ VND EHG|PQLQJHQ JUXQGD VLJ Sn YDG VRP W\SLVNW VHWW lU HQ ROlJHQKHW I|U I|UPHGODUHQ RFK LQWH J|UD HQ EHG|PQLQJ L GHW HQVNLOGD IDOOHW (IWHUVRP VDPPDQOlJJQLQJHQ V\IWDU WLOO DWW GHW WURWV HQ DQV|NDQ RP nWHUNDOOHOVH VND YDUD P|MOLJW DWW JH I|UPHG ODUHQ HQ VDQNWLRQ WRUGH HQ VDPPDQOlJJQLQJ HQOLJW )LQDQVLQVSHNWLRQHQV

XSSIDWWQLQJ L GH IOHVWD IDOO W\SLVNW VHWW XWJ|UD HQ EHW\GDQGH ROlJHQKHW I|U

opaginerad 6NlOHQ I|U SURPHPRULDQV I|UVODJ RFK EHG|PQLQJ Kontrollera mot PDF

I|UPHGODUHQ (IWHUVRP HQ I|UPHGODUH YLG VDPPDQOlJJQLQJ DY lUHQGHQ LQGLUHNW WLOOnWV GULYD HQ YHUNVDPKHW YLGDUH WURWV DWW GHW I|UHOLJJHU LQGLND WLRQHU Sn EULVWHU L YHUNVDPKHWHQ WRUGH HQ VDPPDQOlJJQLQJ RFNVn W\SLVNW VHWW NXQQD DQVHV YDUD WLOO QDFNGHO I|U WUHGMH PDQ 5HNYLVLWHW VNXOOH GlUI|U HQOLJW )LQDQVLQVSHNWLRQHQV EHG|PQLQJ EHJUlQVD EHVWlPPHOVHQV WLOOlPS EDUKHW DYVHYlUW )LQDQVLQVSHNWLRQHQ I|UHVOnU DWW P|MOLJKHWHQ DWW I|UHQD lUHQGHQD I|U JHPHQVDP KDQGOlJJQLQJ L VWlOOHW JUXQGDU VLJ Sn DWW LQVSHN WLRQHQ E|U KD P|MOLJKHW DWW EHGULYD HQ HIIHNWLY WLOOV\Q RFK DWW VNDSD SUD[LV I|U |NDG UHJHOHIWHUOHYQDG Sn ILQDQVPDUNQDGHQ YLONHW L VLQ WXU KDU EHW\GHOVH I|U NRQVXPHQWVN\GGHW Sn PDUNQDGHQ )LQDQVLQVSHNWLRQHQ LIUnJDVlWWHU YLGDUH KXUXYLGD GHW NDQ DQVHV YDUD WLOO I|UGHO I|U XWUHGQLQJHQ L LQJULSDQGHlUHQGHW DWW I|UHQD lUHQGHQ I|U JHPHQVDP KDQGOlJJQLQJ Sn GHW VlWW VRP I|UHVOnV RFK PHQDU DWW HQ VnGDQ VDPPDQOlJJQLQJ VQDUDUH lU HQ I|UXWVlWWQLQJ I|U DWW XWUHGQLQJHQ DOOV VND NXQQD IRUWJn 'lUWLOO DQVHU LQVSHNWLRQHQ DWW GHW E|U YDUD P|MOLJW DWW DYYDNWD PHG DWW nWHUNDOOD HQ I|UVlNULQJVI|UPHGODUHV WLOOVWnQG Sn IRUPHOO JUXQG RFK L VWlOOHW SU|YD RP GHW ILQQV VNlO DWW LQJULSD PRW I|UPHGODUHQ Sn JUXQG DY UHJHO|YHUWUlGHOVHU lYHQ QlU I|UPHGODUHQ XQGHU HQ VDPPDQKlQJDQGH WLG DY VH[ PnQDGHU LQWH

KDU XW|YDW VnGDQ YHUNVDPKHW VRP WLOOVWnQGHW DYVHU RFK Gn I|UPHGODUHQ LQWH OlQJUH XSSI\OOHU NUDYHQ Sn WLOOVWnQG Konsumentverket EHG|PHU DWW

GHW NDQ ILQQDV YLVV GLVNUHSDQV PHOODQ I|UVODJHW VRP VLJQDOHUDU VWRU I|UVLNWLJKHW UHVSHNWLYH YDG VRP DQJHV L VNlOHQ L SURPHPRULDQ 'HW NDQ GlUI|U |YHUYlJDV RP I|UVODJHW E|U IRUPXOHUDV RP I|U DWW VWlPPD ElWWUH |YHUHQV PHG VNlOHQ RFK I|U DWW J|UD EHVWlPPHOVHQV WLOOlPSOLJKHW W\GOLJ

6NlOHQ I|U SURPHPRULDQV I|UVODJ RFK EHG|PQLQJ

Återkallelse av försäkringsförmedlares tillstånd i särskilda fall

, ODJHQ RP I|UVlNULQJVI|UPHGOLQJ ILQQV EHVWlPPHOVHU RP nWHUNDOOHOVH DY I|UVlNULQJVI|UPHGODUHV WLOOVWnQG VRP L KXYXGVDN DYVHU DQGUD IDOO lQ GH GlU I|UPHGODUHQ KDU EUXWLW PRW GHQ ODJHQ RFK HOOHU PRW I|UHVNULIWHU VRP PHGGHODWV PHG VW|G DY GHQ NDS † (QOLJW GHVVD EHVWlPPHOVHU VND )LQDQVLQVSHNWLRQHQ nWHUNDOOD HQ I|UVlNULQJVI|UPHGODUHV WLOOVWnQG RP I|UPHGODUHQ LQWH LQRP HWW nU IUnQ GHW DWW WLOOVWnQG EHYLOMDGHV KDU E|UMDW XW|YD VnGDQ YHUNVDPKHW VRP WLOOVWnQGHW DYVHU KDU I|UNODUDW VLJ DYVWn IUnQ WLOOVWnQGHW XQGHU HQ VDPPDQKlQJDQGH WLG DY VH[ PnQDGHU LQWH KDU XW|YDW VnGDQ YHUNVDPKHW VRP WLOOVWnQGHW DYVHU NDS † I|UVWD VW\FNHW ± 7LOOVWnQGHW VND lYHQ nWHUNDOODV RP I|UPHGODUHQ LQWH OlQJUH XSSI\OOHU I|UXWVlWWQLQJDUQD I|U WLOOVWnQG NDS † I|UVWD VW\FNHW

'HW E|U lYHQ HQOLJW GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ ILQQDV HQ VN\OGLJKHW I|U )LQDQVLQVSHNWLRQHQ DWW nWHUNDOOD HQ I|UVlNULQJVI|UPHGODUHV WLOOVWnQG RP I|UPHGODUHQ LQWH LQRP HWW nU IUnQ GHW DWW WLOOVWnQG EHYLOMDGHV KDU E|UMDW EHGULYD VnGDQ YHUNVDPKHW VRP WLOOVWnQGHW DYVHU KDU I|UNODUDW VLJ DYVWn IUnQ WLOOVWnQGHW HOOHU XQGHU HQ VDPPDQKlQJDQGH WLG DY VH[ PnQDGHU LQWH KDU EHGULYLW VnGDQ YHUNVDPKHW VRP WLOOVWnQGHW DYVHU NDS † I|UVWD VW\FNHW ± %HVWlPPHOVHUQD L ODJHQ RP I|UVlNULQJV I|UPHGOLQJ E|U GlUI|U I|UDV |YHU WLOO GHQ Q\D ODJHQ

1lU GHW JlOOHU VN\OGLJKHWHQ I|U )LQDQVLQVSHNWLRQHQ DWW nWHUNDOOD WLOO VWnQGHW I|U I|UVlNULQJVI|UPHGODUH VRP LQWH OlQJUH XSSI\OOHU I|UXWVlWW QLQJDUQD I|U WLOOVWnQG lU HPHOOHUWLG VLWXDWLRQHQ DQQRUOXQGD 'HQ QXYDU

DQGH EHVWlPPHOVHQ L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ RP nWHUNDOOHOVH DY

opaginerad Finansinspektionens prövning när en försäkringsförmedlare har förklarats sig avstå från tillståndet m.m. Kontrollera mot PDF

WLOOVWnQG NDS † I|UVWD VW\FNHW E|U GlUI|U LQWH I|UDV |YHU WLOO GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ MIU SURS V I RFK SURS V (QOLJW I|UVODJHW L DYVQLWW VND GHW QlPOLJHQ L GHQ Q\D ODJHQ DQJHV YLOND I|UXWVlWWQLQJDU VRP PnVWH YDUD XSSI\OOGD I|U DWW WLOOVWnQG I|U HQ I|UVlNULQJVI|UPHGODUH VND In JHV 2P HQ I|UPHGODUH LQWH OlQJUH XSSI\OOHU NUDYHQ VND )LQDQVLQVSHNWLRQHQ VnOHGHV LQJULSD PHG VW|G DY GHQ DOOPlQQD EHVWlPPHOVH RP LQJULSDQGH VRP I|UHVOnV L DYVQLWW

/LNVRP L GDJ E|U )LQDQVLQVSHNWLRQHQ lYHQ L IRUWVlWWQLQJHQ L YLVVD IDOO NXQQD YlOMD DWW XWIlUGD HQ YDUQLQJ L VWlOOHW I|U DWW nWHUNDOOD I|UVlNULQJV I|UPHGODUHQV WLOOVWnQG RP GHW EHG|PV YDUD WLOOUlFNOLJW MIU NDS † WUHGMH VW\FNHW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ

Finansinspektionens prövning när en försäkringsförmedlare har förklarats sig avstå från tillståndet m.m.

6RP DQJHV L SURPHPRULDQ 6WlUNW NRQVXPHQWVN\GG YLG I|UVlNULQJV I|UPHGOLQJ NDQ GHW L YLVVD IDOO YDUD EHIRJDW DWW )LQDQVLQVSHNWLRQHQ I|UVW InU SU|YD RP GHW ILQQV VNlO DWW LQJULSD PRW HQ I|UVlNULQJVI|UPHGODUH PHG DQOHGQLQJ DY DWW GHQQH nVLGRVDWW GH UHJOHU VRP JlOOHU I|U YHUNVDPKHWHQ LQQDQ LQVSHNWLRQHQ nWHUNDOODU GHQ DNWXHOOD I|UPHGODUHQV WLOOVWnQG PHG DQOHGQLQJ DY DWW GHQQH I|UNODUDW VLJ DYVWn IUnQ VLWW WLOOVWnQG V ± 2P HQ VnGDQ nWHUNDOOHOVH VNHU KDU )LQDQVLQVSHNWLRQHQ L GDJ W\SLVNW VHWW LQWH P|MOLJKHW DWW PHG nEHURSDQGH DY UHJHO|YHUWUlGHOVHU L GHQ YHUNVDP KHW VRP EHGULYLWV LQRP UDPHQ I|U GHW I|UVWD WLOOVWnQGHW QHND GHQ I|UVlN ULQJVI|UPHGODUH VRP WLGLJDUH DYVWnWW IUnQ VLWW WLOOVWnQG DWW In HWW Q\WW WLOO VWnQG 1lU HQ I|UVlNULQJVI|UPHGODUH I|UNODUDU VLJ DYVWn IUnQ WLOOVWnQGHW VND )LQDQVLQVSHNWLRQHQ XWDQ GU|MVPnO EHVOXWD RP HQ nWHUNDOOHOVH VH † I|UYDOWQLQJVODJHQ > @ RFK Gn ILQQV VlOODQ XWU\PPH I|U QnJRQ XWUHGQLQJ DY KXUXYLGD GHW I|UHNRPPLW UHJHO|YHUWUlGHOVHU KRV I|UVlNULQJV I|UPHGODUHQ (QOLJW JlOODQGH UlWW ILQQV GHW GlUI|U DOOWI|U VWRUD P|MOLJKHWHU I|U GHQ I|UVlNULQJVI|UPHGODUH VRP EHIDUDU HWW LQJULSDQGH IUnQ )LQDQV LQVSHNWLRQHQV VLGD DWW XQGYLND GHWWD JHQRP DWW DYVWn IUnQ VLWW WLOOVWnQG DWW XW|YD I|UVlNULQJVI|UPHGOLQJ 6nGDQD DYVWnHQGHQ W\FNV RFNVn KD I|UH NRPPLW L VWRU RPIDWWQLQJ VH W H[ )LQDQVLQVSHNWLRQHQV WLOOV\QVUDSSRUW GHQ PDM GQU V I

nUV YlUGHSDSSHUVPDUNQDGVXWUHGQLQJ NRQVWDWHUDGH DWW GHQ SUREOH PDWLN VRP UHGRJ|UV I|U L SURPHPRULDQ JlOOHU lYHQ L IUnJD RP W H[ YlUGH SDSSHUVLQVWLWXW 628 V 8WUHGQLQJHQ I|UHVORJ GlUI|U DWW HQ EHVWlPPHOVH PRWVYDUDQGH GHQ VRP I|UHVOnV L SURPHPRULDQ VND LQI|UDV L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ 5HJHULQJHQ KDU PHG DQOHGQLQJ DY XWUHGQLQJHQV I|UVODJ Q\OLJHQ I|UHVODJLW DWW GHW L ODJHQ RP YlUGHSDSSHUV PDUNQDGHQ VND LQI|UDV HQ EHVWlPPHOVH VRP LQQHElU DWW )LQDQVLQVSHN WLRQHQ LQQDQ WLOOVWnQGHW nWHUNDOODV I|U EO D HWW YlUGHSDSSHUVLQVWLWXW HOOHU HQ E|UV I|UVW VND In SU|YD RP GHW ILQQV VNlO DWW LQJULSD PRW I|UHWDJHW PHG DQOHGQLQJ DY UHJHO|YHUWUlGHOVHU RFK RP GHW ILQQV VnGDQD VNlO EHVOXWD RP HWW LQJULSDQGH SURS V ±

0RW EDNJUXQG DY GHW RYDQ DQI|UGD E|U GHW L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ LQI|UDV HQ PRWVYDUDQGH P|MOLJKHW I|U )LQDQV LQVSHNWLRQHQ DWW SU|YD RP GHW ILQQV VNlO DWW LQJULSD PRW HQ I|UVlNULQJV

I|UPHGODUH PHG DQOHGQLQJ DY UHJHO|YHUWUlGHOVHU LQQDQ HWW WLOOVWnQG

opaginerad SHUVRQ HOOHU SHUVRQHU Kontrollera mot PDF

nWHUNDOODV HIWHU GHW DWW I|UVlNULQJVI|UPHGODUHQ I|UNODUDW VLJ DYVWn IUnQ VLWW

WLOOVWnQG 3n Vn VlWW VNDSDV UlWWVOLJD I|UXWVlWWQLQJDU I|U )LQDQVLQVSHNWLRQHQ

DWW L GH IDOO GHW EHG|PV PRWLYHUDW XWUHGD KXUXYLGD I|UVlNULQJVI|UPHG

ODUHQ JMRUW VLJ VN\OGLJ WLOO UHJHO|YHUWUlGHOVHU RFK VHGDQ IDWWD HWW EHVOXW RP

LQJULSDQGH 'HWWD LQJULSDQGHEHVOXW NDQ VHGDQ WMlQD WLOO OHGQLQJ YLG HQ

HYHQWXHOO Q\ DQV|NDQ RP WLOOVWnQG WLOO I|UVlNULQJVI|UPHGOLQJ IUnQ VDPPD

SHUVRQ HOOHU SHUVRQHU

'HW NDQ DQI|UDV VNlO PRW DWW LQI|UD HQ P|MOLJKHW I|U )LQDQVLQVSHNWLRQHQ

DWW L GHQ Q\VV QlPQGD VLWXDWLRQHQ XWUHGD UHJHO|YHUWUlGHOVHU RFK EHVOXWD

RP LQJULSDQGHQ )UlPVW KDQGODU GHW RP LQWUHVVHW VRP HQ I|UVlNULQJVI|U

PHGODUH NDQ KD DY DWW LQWH EHK|YD KD HWW U|UHOVHWLOOVWnQG VRP I|UPHGODUHQ

LQWH OlQJUH YLOO KD 'HWWD LQWUHVVH KRV I|UPHGODUHQ InU GRFN DQVHV PLQGUH

VN\GGVYlUW lQ LQWUHVVHW DY DWW VN\GGD NRQVXPHQWHU JHQRP DWW JH )LQDQV

LQVSHNWLRQHQ JRGD P|MOLJKHWHU DWW XWUHGD RFK LQJULSD PRW UHJHO|YHU

WUlGHOVHU

)LQDQVLQVSHNWLRQHQV P|MOLJKHW DWW QlU HQ I|UVlNULQJVI|UPHGODUH DYVWnU

IUnQ VLWW U|UHOVHWLOOVWnQG XWUHGD RP I|UPHGODUHQ JMRUW VLJ VN\OGLJ WLOO

UHJHO|YHUWUlGHOVH E|U Sn PRWVYDUDQGH VlWW VRP I|UHVOnV L ODJHQ RP

YlUGHSDSSHUVPDUNQDGHQ XWYLGJDV L I|UKnOODQGH WLOO GHW VRP I|UHVOnV L

RYDQ QlPQGD SURPHPRULD 'HQ E|U RFNVn XWIRUPDV Sn HWW Vn HQNHOW RFK

UREXVW VlWW VRP P|MOLJW 'HWWD lU Q|GYlQGLJW I|U DWW NRQVXPHQWVN\GGHW

VND NXQQD VWlUNDV L Vn K|J JUDG VRP P|MOLJW

6RP Finansinspektionen RFK Konsumentverket SnSHNDU ULVNHUDU HWW

NUDY VRP GHW VRP I|UHVOnV L QlPQGD SURPHPRULD Sn DWW GHW VND YDUD WLOO

Q\WWD I|U XWUHGQLQJHQ DWW lYHQ HIWHU HWW DYVWnHQGH IUnQ U|UHOVHWLOOVWnQGHW

SU|YD RP GHW I|UHNRPPLW UHJHO|YHUWUlGHOVHU HPHOOHUWLG DWW I|UVYnUD

WLOOlPSQLQJHQ $WW GHW LQI|UV HQ VlUVNLOG P|MOLJKHW I|U )LQDQVLQVSHNWLRQHQ

DWW IRUWVlWWD KDQGOlJJQLQJHQ lYHQ HIWHU GHW DWW HQ I|UVlNULQJVI|UPHGODUH

DYVWnWW IUnQ VLWW U|UHOVHWLOOVWnQG lU HQ IRUPHOO I|UXWVlWWQLQJ I|U DWW XWUHG

QLQJHQ DOOV VND NXQQD GULYDV YLGDUH YLONHW )LQDQVLQVSHNWLRQHQ RFNVn

O\IWHU IUDP 'HW E|U Sn JUXQG DY GHW DQI|UGD LQWH VWlOODV XSS QnJRW NUDY

Sn DWW GHW VND YDUD WLOO Q\WWD I|U XWUHGQLQJHQ DWW IRUWVlWWD KDQGOlJJQLQJHQ

QlU HQ I|UVlNULQJVI|UPHGODUH DYVWnWW IUnQ VLWW U|UHOVHWLOOVWnQG

)LQDQVLQVSHNWLRQHQV P|MOLJKHW DWW I|UVW SU|YD RP GHW ILQQV VNlO DWW LQ

JULSD PRW HQ I|UVlNULQJVI|UPHGODUH E|U LQWH KHOOHU YDUD EHURHQGH DY

YLONHQ ROlJHQKHW HQ IRUWVDWW KDQGOlJJQLQJ NDQ YnOOD I|UPHGODUHQ 6RP

Finansinspektionen DQI|U NDQ HWW VnGDQW NUDY VNDSD RNODUKHW RP QlU

LQVSHNWLRQHQ NDQ DQYlQGD VLJ DY GHQQD P|MOLJKHW 6\IWHW PHG I|UVODJHW lU

DWW )LQDQVLQVSHNWLRQHQ VND NXQQD LQJULSD PRW UHJHO|YHUWUlGHOVHU )|U DWW

GHW V\IWHW VND XSSQnV E|U GHW LQWH VWlOODV QnJRW NUDY Sn DWW )LQDQV

LQVSHNWLRQHQ VND In DQYlQGD VLJ DY GHQQD P|MOLJKHW HQGDVW QlU GHW LQWH

YnOODU EHW\GDQGH ROlJHQKHW I|U I|UVlNULQJVI|UPHGODUHQ L IUnJD

0|MOLJKHWHQ I|U )LQDQVLQVSHNWLRQHQ DWW YLG HWW DYVWnHQGH DY U|UHOVH

WLOOVWnQGHW IUnQ HQ I|UVlNULQJVI|UPHGODUHV VLGD J|UD HQ SU|YQLQJ DY KXUX

YLGD I|UPHGODUHQ JMRUW VLJ VN\OGLJ WLOO UHJHO|YHUWUlGHOVHU E|U LQWH KHOOHU

VRP GHW I|UHVOnV L QlPQGD SURPHPRULD EHJUlQVDV WLOO GH VLWXDWLRQHU Gn

GHW KRV LQVSHNWLRQHQ SnJnU HWW lUHQGH PRW I|UVlNULQJVI|UPHGODUHQ RP

PLVVWlQNWD UHJHO|YHUWUlGHOVHU , VWlOOHW E|U )LQDQVLQVSHNWLRQHQ KD P|MOLJ

KHW DWW SU|YD KXUXYLGD UHJHO|YHUWUlGHOVHU VNHWW lYHQ QlU HQ I|UVlNULQJV

I|UPHGODUH DYVWnU IUnQ VLWW U|UHOVHWLOOVWnQG RFK GHW Gn LQWH SnJnU QnJRQ

XWUHGQLQJ KRV LQVSHNWLRQHQ 'HW NDQ WlQNDV DWW VMlOYD DYVWnHQGHW JHU

opaginerad SHUVRQ HOOHU SHUVRQHU Kontrollera mot PDF

)LQDQVLQVSHNWLRQHQ DQOHGQLQJ DWW EHIDUD DWW GHW KDU VNHWW UHJHO|YHUWUlG HOVHU )LQDQVLQVSHNWLRQHQ E|U Gn LQWH YDUD I|UKLQGUDG DWW I|UHWD HQ XWUHG QLQJ RP GHWWD HQGDVW Sn JUXQG DY DWW QnJRW lUHQGH RP UHJHO|YHUWUlGHOVHU KRV I|UVlNULQJVI|UHPHGODUHQ LQWH SnJLFN Gn DYVWnHQGHW VNHGGH

)LQDQVLQVSHNWLRQHQV P|MOLJKHWHU DWW XWUHGD RP GHW I|UHNRPPLW UHJHO |YHUWUlGHOVHU KRV GHQ I|UVlNULQJVI|UPHGODUH VRP DYVWnU IUnQ VLWW U|UHOVH WLOOVWnQG E|U LQWH KHOOHU VRP GHW I|UHVOnV L QlPQGD SURPHPRULD XWIRUPDV VRP HQ P|MOLJKHW DWW I|UHQD lUHQGHQ WLOO JHPHQVDP KDQGOlJJQLQJ 'HQ E|U L VWlOOHW JHV NDUDNWlUHQ DY HWW XQGDQWDJ IUnQ GHQ KXYXGUHJHO VRP LQQH ElU DWW U|UHOVHWLOOVWnQGHW VND nWHUNDOODV RP HQ I|UVlNULQJVI|UPHGODUH DY VWnU IUnQ WLOOVWnQGHW (Q UHJHO RP JHPHQVDP KDQGOlJJQLQJ DY lUHQGHQ HIWHU P|QVWHU IUnQ UlWWHJnQJVEDONHQ NDS † WHU VLJ PLQGUH lQGD PnOVHQOLJ I|U KDQGOlJJQLQJHQ DY lUHQGHQ KRV HQ I|UYDOWQLQJVP\QGLJKHW VRP )LQDQVLQVSHNWLRQHQ 'HW NDQ QRWHUDV DWW YDUNHQ I|UYDOWQLQJVODJHQ HOOHU I|UYDOWQLQJVSURFHVVODJHQ LQQHKnOOHU QnJRQ VnGDQ UHJHO

)|UVODJHW L GHQQD SURPHPRULD LQQHElU VnOHGHV DWW GHW LQI|UV HQ L ODJ UHJOHUDG UlWW I|U )LQDQVLQVSHNWLRQHQ DWW DYYDNWD PHG nWHUNDOOHOVH DY HWW WLOOVWnQG QlU HQ I|UVlNULQJVI|UPHGODUH I|UNODUDU VLJ DYVWn IUnQ WLOOVWnQGHW

.UDYHW Sn HIIHNWLY KDQGOlJJQLQJ L I|UYDOWQLQJVODJHQ LQQHElU Gn LQWH DWW HQ nWHUNDOOHOVH Sn JUXQG DY HWW DYVWnHQGH PnVWH VNH JHQDVW † +XU HWW DYVWnHQGH IUnQ HWW WLOOVWnQG DWW XW|YD I|UVlNULQJVI|UPHGOLQJ E|U KDQG OlJJDV lU QnJRW VRP InU DYJ|UDV L GHW HQVNLOGD IDOOHW PHG OHGQLQJ DY I|UYDOWQLQJVODJHQ RFK DOOPlQQD I|UYDOWQLQJVUlWWVOLJD SULQFLSHU

+XU HWW lUHQGH VND DYVOXWDV GlU GHW I|UHNRPPLW HWW DYVWnHQGH IUnQ HWW PHGGHODW WLOOVWnQG DWW XW|YD I|UVlNULQJVI|UPHGOLQJ NDQ YDULHUD PHOODQ ROLND VLWXDWLRQHU

)LQDQVLQVSHNWLRQHQV P|MOLJKHWHU DWW J|UD HQ SU|YQLQJ DY RFK ± L I|UH NRPPDQGH IDOO ± LQJULSD PRW UHJHO|YHUWUlGHOVHU E|U lYHQ RPIDWWD DQGUD

VLWXDWLRQHU lQ Gn HQ I|UVlNULQJVI|UPHGODUH KDU I|UNODUDW VLJ DYVWn IUnQ U|UHOVHWLOOVWnQGHW $QQDUV VNXOOH VRP Finansinspektionen SnSHNDU HQ I|UVlNULQJVI|UPHGODUH VRP EHIDUDU HWW LQJULSDQGH IUnQ )LQDQVLQVSHN WLRQHQV VLGD RFK VRP YLOO XQGYLND DWW EOL I|UHPnO I|U HWW LQJULSDQGHEHVOXW NXQQD NULQJJn GHQ I|UHVODJQD Q\D UHJHOQ 'HW NDQ WlQNDV DWW HQ I|UVlN ULQJVI|UPHGODUH OnWHU EOL DWW GULYD YHUNVDPKHW XQGHU VH[ PnQDGHU Vn DWW GHVV WLOOVWnQG GlUI|U VND nWHUNDOODV 'HW NDQ YLGDUH WlQNDV DWW HQ I|UVlN ULQJVI|UPHGODUH J|U VLJ DY PHG GHQ DQVYDUVI|UVlNULQJ VRP I|UPHGODUHQ lU VN\OGLJ DWW KD 'n XSSI\OOHU I|UVlNULQJVI|UPHGODUHQ LQWH OlQJUH NUDYHQ I|U WLOOVWnQG RFK GHVV WLOOVWnQG VND GlUI|U nWHUNDOODV

)|U DWW XQGYLND VnGDQD NULQJJnHQGHQ E|U )LQDQVLQVSHNWLRQHQ lYHQ In SU|YD KXUXYLGD GHW I|UHNRPPLW UHJHO|YHUWUlGHOVHU RFK L I|UHNRPPDQGH IDOO LQJULSD lYHQ QlU HQ I|UVlNULQJVI|UPHGODUH LQWH KDU EHGULYLW YHUN VDPKHW HQOLJW VLWW WLOOVWnQG XQGHU HQ VDPPDQKlQJDQGH WLG DY VH[ PnQDGHU 6RP IUDPJnU RYDQ NRPPHU )LQDQVLQVSHNWLRQHQ DWW NXQQD LQJULSD PRW HQ I|UVlNULQJVI|UPHGODUH VRP LQWH OlQJUH XSSI\OOHU I|UXWVlWWQLQJDUQD I|U WLOOVWnQG PHG VW|G DY GHQ DOOPlQQD EHVWlPPHOVH RP LQJULSDQGH L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ VRP I|UHVOnV L DYVQLWW

'HW VRP I|UHVOnV JlOOD I|U I|UVlNULQJVI|UHPHGODUHV DYVWnHQGHQ DY U|UHOVHWLOOVWnQG E|U lYHQ JlOOD DQNQXWQD I|UVlNULQJVI|UPHGODUHV DYVWnHQ GHQ DY UHJLVWUHULQJ 'HW LQQHElU DWW GHW NDQ ILQQDV VNlO I|U )LQDQVLQVSHN

WLRQHQ DWW LQOHGD XQGHUV|NQLQJDU lYHQ Gn HQ DQNQXWHQ I|UPHGODUH DYVWnU

IUnQ VLQ UHJLVWUHULQJ )|U DWW )LQDQVLQVSHNWLRQHQ VND NXQQD SU|YD KXUX

opaginerad ,QJULSDQGHQ YLG YLVVD EULVWHU KRV OHGQLQJHQ L MXULGLVND SHUVRQHU Kontrollera mot PDF

YLGD GHW ILQQV VNlO DWW LQOHGD XQGHUV|NQLQJDU PRW GH DQNQXWQD I|UPHGODUH VRP I|UNODUDU VLJ DYVWn IUnQ VLQ UHJLVWUHULQJ E|U GHW HQGDVW YDUD )LQDQV LQVSHNWLRQHQ VRP InU PHGGHOD EHVOXW RP nWHUNDOOHOVH DY DQNQXWQD I|U PHGODUHV UHJLVWUHULQJ %RODJVYHUNHWV UlWW DWW L VnGDQD VLWXDWLRQHU nWHUNDOOD UHJLVWUHULQJHQ E|U GlUI|U LQWH ILQQDV NYDU HQOLJW GHQ Q\D ODJHQ RP I|UVlN ULQJVGLVWULEXWLRQ MIU NDS † DQGUD VW\FNHW ODJHQ RP I|UVlNULQJV I|UPHGOLQJ

,QJULSDQGHQ YLG YLVVD EULVWHU KRV OHGQLQJHQ L MXULGLVND SHUVRQHU

3URPHPRULDQV I|UVODJ 2P QnJRQ VRP LQJnU L HQ I|UVlNULQJV GLVWULEXW|UV VW\UHOVH HOOHU lU GHVV YHUNVWlOODQGH GLUHNW|U LQWH XSSI\OOHU NUDYHQ Sn JRG YDQGHO WLOOUlFNOLJ LQVLNW RFK HUIDUHQKHW I|U DWW GHOWD L OHGQLQJHQ RFK Sn DWW lYHQ L |YULJW YDUD OlPSOLJ DWW LQJn L OHGQLQJHQ VND )LQDQVLQVSHNWLRQHQ nWHUNDOOD I|UVlNULQJVGLVWULEXW|UHQV WLOOVWnQG 'HW InU GRFN VNH EDUD RP LQVSHNWLRQHQ I|UVW KDU EHVOXWDW DWW DQPlUND Sn DWW SHUVRQHQ LQJnU L VW\UHOVHQ HOOHU lU YHUNVWlOODQGH GLUHNW|U RFK RP KDQ HOOHU KRQ VHGDQ HQ DY LQVSHNWLRQHQ EHVWlPG WLG RP K|JVW WUH PnQDGHU KDU JnWW IRUWIDUDQGH ILQQV NYDU L VW\UHOVHQ HOOHU VRP YHUNVWlOODQGH GLUHNW|U

, VWlOOHW I|U DWW nWHUNDOOD WLOOVWnQGHW InU )LQDQVLQVSHNWLRQHQ EHVOXWD DWW HQ VW\UHOVHOHGDPRW HOOHU YHUNVWlOODQGH GLUHNW|U LQWH OlQJUH InU NYDUVWn L VLQ EHIDWWQLQJ )LQDQVLQVSHNWLRQHQ InU Gn I|URUGQD HQ HUVlWWDUH (UVlWWDUHQV XSSGUDJ JlOOHU WLOO GHVV I|UVlNULQJVGLVWULEXW|UHQ KDU XWVHWW HQ Q\ VW\UHOVHOHGDPRW HOOHU YHUNVWlOODQGH GLUHNW|U

6NlOHQ I|U SURPHPRULDQV I|UVODJ (QOLJW ODJHQ RP EDQN RFK ILQDQ VLHULQJVU|UHOVH InU )LQDQVLQVSHNWLRQHQ L VWlOOHW I|U DWW nWHUNDOOD WLOOVWnQGHW I|U HWW NUHGLWLQVWLWXW Sn JUXQG DY DWW HQ VW\UHOVHOHGDPRW HOOHU YHUNVWlOODQGH GLUHNW|U LQWH XSSI\OOHU ODJHQV NUDY EHVOXWD DWW VW\UHOVHOHGDPRWHQ HOOHU GHQ YHUNVWlOODQGH GLUHNW|UHQ LQWH OlQJUH InU YDUD GHW NDS † DQGUD VW\FNHW )LQDQVLQVSHNWLRQHQ InU Gn I|URUGQD HQ HUVlWWDUH (QOLJW I|U DUEHWHQD lU DYVLNWHQ DWW DOWHUQDWLYHW VND NXQQD YlOMDV L VWlOOHW I|U nWHU NDOOHOVH L GH IDOO Gn GHW ILQQV EULVWHU L OHGQLQJHQ L HWW L |YULJW OLYVNUDIWLJW LQVWLWXW RFK LQVWLWXWHW LQWH VMlOYW I|UPnU lQGUD Sn VLWXDWLRQHQ VH SURS V ± RFK /LNQDQGH EHVWlPPHOVHU ILQQV lYHQ L EO D ODJHQ RP YlUGHSDSSHUVIRQGHU NDS † DQGUD VW\FNHW

)LQDQVLQVSHNWLRQHQV HQGD P|MOLJKHW DWW LQJULSD PRW ROlPSOLJD OHGDQGH EHIDWWQLQJVKDYDUH L MXULGLVND SHUVRQHU VRP GULYHU I|UVlNULQJVI|UPHGOLQJ lU HQOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ DWW nWHUNDOOD WLOOVWnQGHW cWHU NDOOHOVH InU GRFN EDUD VNH RP )LQDQVLQVSHNWLRQHQ I|UVW EHVOXWDW DWW DQ PlUND Sn DWW SHUVRQHQ LQJnU L OHGQLQJHQ RFK RP KDQ HOOHU KRQ VHGDQ HQ DY LQVSHNWLRQHQ EHVWlPG WLG RP K|JVW WUH PnQDGHU KDU JnWW IRUWIDUDQGH ILQQV NYDU L OHGQLQJHQ I|U GHQ MXULGLVND SHUVRQHQ MIU NDS † DQGUD VW\FNHW 'HQQD P|MOLJKHW DWW nWHUNDOOD WLOOVWnQGHW E|U ILQQDV NYDU lYHQ L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ , GHQ Q\D ODJHQ E|U GHW GRFN HIWHU I|UHELOG DY QlPQGD EHVWlPPHOVHU L ODJHQ RP EDQN RFK ILQDQVLH ULQJVU|UHOVH RFK ODJHQ RP YlUGHSDSSHUVIRQGHU lYHQ LQI|UDV HQ P|MOLJKHW

I|U )LQDQVLQVSHNWLRQHQ DWW VRP HWW DOWHUQDWLY WLOO nWHUNDOOHOVH EHVOXWD DWW

opaginerad 6DQNWLRQVDYJLIWHU PRW MXULGLVND SHUVRQHU Kontrollera mot PDF

HQ VW\UHOVHOHGDPRW HOOHU YHUNVWlOODQGH GLUHNW|U LQWH OlQJUH InU NYDUVWn L VLQ EHIDWWQLQJ )LQDQVLQVSHNWLRQHQ E|U HQOLJW GHQ Q\D ODJHQ RP I|UVlNULQJV GLVWULEXWLRQ lYHQ NXQQD I|URUGQD HQ HUVlWWDUH RP GHW lU Q|GYlQGLJW (UVlWWDUHQV XSSGUDJ E|U YLGDUH JlOOD WLOO GHVV I|UVlNULQJVGLVWULEXW|UHQ KDU XWVHWW HQ Q\ VW\UHOVHOHGDPRW HOOHU YHUNVWlOODQGH GLUHNW|U MIU NDS † WUHGMH VW\FNHW ODJHQ RP EDQN RFK ILQDQVLHULQJVU|UHOVH RFK NDS † DQGUD VW\FNHW ODJHQ RP YlUGHSDSSHUVIRQGHU

6DQNWLRQVDYJLIWHU PRW MXULGLVND SHUVRQHU

3URPHPRULDQV I|UVODJ )LQDQVLQVSHNWLRQHQ VND NXQQD LQJULSD PRW HQ

I|UVlNULQJVGLVWULEXW|U VRP lU HQ MXULGLVN SHUVRQ HQ ((6 I|UVlNULQJV

I|UPHGODUH VRP VWnU XQGHU LQVSHNWLRQHQV WLOOV\Q HQOLJW HWW LQWHUQD

WLRQHOOW DYWDO HOOHU HQ I|UVlNULQJVI|UPHGODUH IUnQ WUHGMHODQG JHQRP

EHVOXW RP VDQNWLRQVDYJLIW 6DQNWLRQVDYJLIW InU EHVOXWDV RP )LQDQV

LQVSHNWLRQHQ KDU PHGGHODW HQ DQPlUNQLQJ HOOHU YDUQLQJ

6DQNWLRQVDYJLIWHQ VND XSSJn WLOO OlJVW NURQRU RFK VRP K|JVW

IDVWVWlOODV WLOO GHW K|JVWD DY

WLR SURFHQW DY RPVlWWQLQJHQ QlUPDVW I|UHJnHQGH UlNHQVNDSVnU I|U

HQ I|UVlNULQJVGLVWULEXW|U HQ ((6 I|UVlNULQJVI|UPHGODUH VRP VWnU

XQGHU LQVSHNWLRQHQV WLOOV\Q HQOLJW HWW LQWHUQDWLRQHOOW DYWDO HOOHU HQ

I|UVlNULQJVI|UPHGODUH IUnQ WUHGMH ODQG HOOHU L I|UHNRPPDQGH IDOO

PRWVYDUDQGH RPVlWWQLQJ Sn NRQFHUQQLYn QlUPDVW I|UHJnHQGH

UlNHQVNDSVnU

WYn JnQJHU GHQ YLQVW VRP JMRUWV WLOO I|OMG DY UHJHO|YHUWUlGHOVHQ

RP EHORSSHW JnU DWW IDVWVWlOOD HOOHU

HWW EHORSS VRP SHU GHQ IHEUXDUL L NURQRU PRWVYDUDGH

IHP PLOMRQHU HXUR

$YJLIWHQ VND WLOOIDOOD VWDWHQ

2P |YHUWUlGHOVHQ KDU VNHWW XQGHU GHW I|UVWD YHUNVDPKHWVnUHW HOOHU

RP XSSJLIWHU RP RPVlWWQLQJHQ DQQDUV VDNQDV HOOHU lU EULVWIlOOLJD VND

RPVlWWQLQJHQ In XSSVNDWWDV

$YJLIWHQ VND LQWH In YDUD Vn VWRU DWW I|UVlNULQJVI|UPHGODUHQ HOOHU

I|UVlNULQJVI|UHWDJHW GlUHIWHU LQWH XSSI\OOHU NUDYHQ Sn VROLGLWHW RFK

OLNYLGLWHW L ODJHQ RP EDQN RFK ILQDQVLHULQJVU|UHOVH HOOHU ODJHQ RP

YlUGHSDSSHUVPDUNQDGHQ HOOHU NUDYHQ Sn VWDELOLWHW L I|UVlNULQJV

U|UHOVHODJHQ

6NlOHQ I|U SURPHPRULDQV I|UVODJ , I|UVlNULQJVGLVWULEXWLRQVGLUHN WLYHW DQJHV GH DGPLQLVWUDWLYD VDQNWLRQHU RFK nWJlUGHU VRP nWPLQVWRQH VND NXQQD EOL DNWXHOOD I|U ROLND |YHUWUlGHOVHU VRP DQJHV L GLUHNWLYHW 'HVVD DGPLQLVWUDWLYD VDQNWLRQHU RPIDWWDU EO D VDQNWLRQVDYJLIWHU PRW MXULGLVND SHUVRQHU DUWLNHO H $Y UHJOHUQD L GLUHNWLYHW I|OMHU DWW VDQNWLRQV DYJLIWHQ I|U HQ MXULGLVN SHUVRQ VRP K|JVW VND IDVWVWlOODV WLOO GHW K|JVWD DY IHP PLOMRQHU HXUR IHP SURFHQW DY RPVlWWQLQJHQ QlUPDVW I|UHJnHQGH UlNHQVNDSVnU HOOHU L I|UHNRPPDQGH IDOO PRWVYDUDQGH RPVlWWQLQJ Sn NRQFHUQQLYn HOOHU HWW EHORSS PRWVYDUDQGH WYn JnQJHU GHQ YLQVW VRP JMRUWV HOOHU GHQ I|UOXVW VRP XQGYLNLWV WLOO I|OMG DY UHJHO|YHUWUlGHOVHQ RP EH ORSSHW JnU DWW IDVWVWlOOD

opaginerad I|UVlNULQJVI|UHWDJ PHG HQ VWUDIIDYJLIW NDS RFK †† ODJHQ RP Kontrollera mot PDF

)LQDQVLQVSHNWLRQHQ KDU HQOLJW JlOODQGH UlWW P|MOLJKHW DWW I|UHQD HWW

EHVOXW RP YDUQLQJ HOOHU DQPlUNQLQJ I|U HQ I|UVlNULQJVI|UPHGODUH HOOHU HWW

I|UVlNULQJVI|UHWDJ PHG HQ VWUDIIDYJLIW NDS RFK †† ODJHQ RP

I|UVlNULQJVI|UPHGOLQJ 'HW LQQHElU DWW )LQDQVLQVSHNWLRQHQ InU EHVOXWD DWW

HQ DQPlUNQLQJ HOOHU YDUQLQJ Sn JUXQG DY |YHUWUlGHOVH HQOLJW GH JHQHUHOOD

EHVWlPPHOVHUQD L GHQ ODJHQ NDS RFK †† VND NRPELQHUDV PHG HQ

VWUDIIDYJLIW 6WUDIIDYJLIWHQ VND XSSJn WLOO OlJVW NURQRU RFK K|JVW

PLOMRQHU NURQRU $YJLIWHQ InU YLGDUH LQWH |YHUVWLJD WLR SURFHQW DY

RPVlWWQLQJHQ QlUPDVW I|UHJnHQGH UlNHQVNDSVnU I|U I|UVlNULQJVI|UPHG

ODUHQ HOOHU I|UVlNULQJVI|UHWDJHW 2P |YHUWUlGHOVHQ KDU VNHWW XQGHU GHW

I|UVWD YHUNVDPKHWVnUHW HOOHU RP XSSJLIWHU RP RPVlWWQLQJHQ VDNQDV HOOHU

lU EULVWIlOOLJD InU GHQ XSSVNDWWDV $YJLIWHQ InU LQWH YDUD Vn VWRU DWW I|UVlN

ULQJVI|UPHGODUHQ HOOHU I|UVlNULQJVI|UHWDJHW GlUHIWHU LQWH XSSI\OOHU YLVVD

NUDY L ODJHQ RP EDQN RFK ILQDQVLHULQJVU|UHOVH NDS † ODJHQ RP

YlUGHSDSSHUVPDUNQDGHQ NDS † HOOHU I|UVlNULQJVU|UHOVHODJHQ NDS

† 1lU DYJLIWHQV VWRUOHN EHVOXWDV VND VlUVNLOG KlQV\Q WDV WLOO KXU DOO

YDUOLJ GHQ |YHUWUlGHOVH lU VRP KDU I|UDQOHWW DQPlUNQLQJHQ HOOHU

YDUQLQJHQ RFK KXU OlQJH |YHUWUlGHOVHQ KDU SnJnWW

'H QXYDUDQGH EHVWlPPHOVHUQD L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ lU

VnOHGHV LQWH WLOOUlFNOLJD I|U DWW JHQRPI|UD I|UVlNULQJVGLVWULEXWLRQVGLUHN

WLYHW 1\D EHVWlPPHOVHU RP DYJLIWHU VRP XSSI\OOHU NUDYHQ L GLUHNWLYHW

E|U VnOHGHV LQI|UDV $YJLIWHUQD E|U EHQlPQDV VDQNWLRQVDYJLIWHU RFK LQWH

VWUDIIDYJLIWHU 'HQ QXYDUDQGH NRQVWUXNWLRQHQ DWW VDQNWLRQVDYJLIWHU EH

VOXWDV L I|UHQLQJ PHG HQ DQPlUNQLQJ HOOHU HQ YDUQLQJ lU HQ RUGQLQJ VRP

JlOOHU HQOLJW VYHQVN UlWW RFK VRP LQWH I|OMHU DY I|UVlNULQJVGLVWULEXWLRQV

GLUHNWLYHW VH SURS V 'HQ QXYDUDQGH RUGQLQJHQ E|U

GRFN YDUD I|UHQOLJ PHG I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RFK E|U GlUI|U

JlOOD lYHQ HQOLJW GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

5HJOHU RP VDQNWLRQVDYJLIWHU OLNQDQGH GH VRP QX VWlOOV XSS L I|UVlN

ULQJVGLVWULEXWLRQVGLUHNWLYHW ILQQV L EO D NDSLWDOWlFNQLQJVGLUHNWLYHW DUWLNHO

I|UVWD VW\FNHW F RFK H RFK DQGUD VW\FNHW 'H UHJOHUQD KDU JHQRP

I|UWV L VYHQVN UlWW L ODJHQ RP EDQN RFK ILQDQVLHULQJVU|UHOVH RFK L ODJHQ

RP YlUGHSDSSHUVPDUNQDGHQ GlU GHW ILQQV WUH DOWHUQDWLYD EHUlNQLQJVVlWW

I|U )LQDQVLQVSHNWLRQHQ DWW IDVWVWlOOD VDQNWLRQVDYJLIWHUQDV K|JVWD EHORSS

NDS † I|UVWD VW\FNHW UHVSHNWLYH NDS † I|UVWD VW\FNHW 1lU GH

JHQRPI|UGHV WRONDGHV GH HQOLJW I|OMDQGH VH SURS V I

'HW K|JVWD EHORSSHW HQOLJW GH DOWHUQDWLYD EHUlNQLQJDUQD XWJ|U HWW DYJLIWV

WDN )LQDQVLQVSHNWLRQHQ KDU DWW EHDNWD GHQ UDP VRP GHWWD DYJLIWVWDN

VWlOOHU XSS 6DQNWLRQHUQD VND YDUD SURSRUWLRQHOOD L I|UKnOODQGH WLOO |YHU

WUlGHOVHQ L IUnJD 6DPPD EHG|PQLQJ KDU JMRUWV L IOHUD DQGUD ODJVWLIWQLQJV

lUHQGHQ MIU SURS V ± SURS V ± RFK

SURS V ± 5HJOHUQD L I|UVlNULQJVGLVWULEXWLRQV

GLUHNWLYHW RP VDQNWLRQVDYJLIWHU I|U MXULGLVND SHUVRQHU E|U JHQRPI|UDV L

VYHQVN UlWW Sn VDPPD VlWW

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DYYLNHU HPHOOHUWLG IUnQ EO D NDSLWDO

WlFNQLQJVGLUHNWLYHW RFK IOHUWDOHW DQGUD (8 UlWWVDNWHU Sn ILQDQVPDUNQDGV

RPUnGHW JHQRP DWW VDQNWLRQVDYJLIWHQ VND NXQQD EHVWlPPDV WLOO IHP SUR

FHQW DY RPVlWWQLQJHQ RFK LQWH WLR SURFHQW (Q DYJLIWVQLYn VRP PRWVYDUDU

WLR SURFHQW DY RPVlWWQLQJHQ I|UHNRPPHU EO D L ODJHQ RP EDQN RFK

ILQDQVLHULQJVU|UHOVH NDS † ODJHQ RP YlUGHSDSSHUVIRQGHU NDS

† RFK ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ NDS † )|U |YHU

opaginerad HWW EHORSS VRP SHU GHQ IHEUXDUL L NURQRU PRWVYDUDGH IHP PLOMRQHU HXUR Kontrollera mot PDF

WUlGHOVHU DY ODJHQ RP nWJlUGHU PRW SHQQLQJWYlWW RFK ILQDQ VLHULQJ DY WHUURULVP VND VDQNWLRQVDYJLIWHQ I|U I|UVlNULQJVI|UPHGODUH RFK I|UVlNULQJVI|UHWDJ NXQQD IDVWVWlOODV WLOO WLR SURFHQW DY RPVlWWQLQJHQ VH I|UVODJ L SURS 1nJRW VNlO WLOO DWW VH PHUD DOOYDUOLJW Sn |YHU WUlGHOVHU DY SHQQLQJWYlWWVUHJHOYHUNHW lQ Sn |YHUWUlGHOVHU DY GH JUXQG OlJJDQGH EHVWlPPHOVHUQD VRP UHJOHUDU I|UVlNULQJVGLVWULEXWLRQ ILQQV LQWH 'HWWD IDNWXP VDPW DWW HQ VDQNWLRQVDYJLIW VRP PRWVYDUDU WLR SURFHQW DY RPVlWWQLQJHQ NDQ EHVOXWDV PRW DQGUD ILQDQVLHOOD I|UHWDJ PRWLYHUDU DWW VDQNWLRQVDYJLIWHQV K|JVWD QLYn L GHQ Q\D ODJHQ RP I|UVlNULQJV GLVWULEXWLRQ VlWWV K|JUH lQ L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RFK DWW GHQ EHUlNQDV Sn VDPPD VlWW VRP L DQGUD ODJDU Sn ILQDQVPDUNQDGVRPUnGHW 'HW LQQHElU DWW VDQNWLRQVDYJLIWHUQD I|U MXULGLVND SHUVRQHU NDQ NRPPD L IUnJD E|U NXQQD XSSJn WLOO K|JVW GHW K|JVWD DY

WLR SURFHQW DY GHQ MXULGLVND SHUVRQHQV RPVlWWQLQJ HOOHU L I|UHNRPPDQGH IDOO PRWVYDUDQGH RPVlWWQLQJ Sn NRQFHUQQLYn QlUPDVW I|UHJnHQGH UlNHQVNDSVnU

WYn JnQJHU GHQ YLQVW VRP JMRUWV WLOO I|OMG DY UHJHO|YHUWUlGHOVHQ RP EHORSSHW JnU DWW IDVWVWlOOD HOOHU

HWW EHORSS VRP SHU GHQ IHEUXDUL L NURQRU PRWVYDUDGH IHP PLOMRQHU HXUR

%HUlNQLQJVPHWRGHUQD VND VHV VRP DOWHUQDWLYD 'HW K|JVWD EHORSSHW HQOLJW GH DOWHUQDWLYD EHUlNQLQJVVlWWHQ XWJ|U HWW DYJLIWVWDN YLONHW LQQHElU DWW )LQDQVLQVSHNWLRQHQ LQWH NDQ EHVWlPPD HQ VDQNWLRQVDYJLIW VRP |YHU VNULGHU GHWWD EHORSS MIU SURS V 'HW K|JVWD EHORSSHW NDQ W H[ NRPPD DWW |YHUVWLJD VnYlO IHP PLOMRQHU HXUR VRP WLR SURFHQW DY RPVlWWQLQJHQ RP WYn JnQJHU YLQVWHQ DY |YHUWUlGHOVHQ XSSJnU WLOO HWW K|JUH EHORSS 'HW ILQQV LQWH VNlO DWW L EHVWlPPHOVHQ L ODJHQ RP I|UVlN ULQJVGLVWULEXWLRQ KlQYLVD WLOO GHQ I|UOXVW VRP XQGYLNLWV WLOO I|OMG DY UHJHO |YHUWUlGHOVHQ MIU DUWLNHO H LL 6RP YLQVW InU lYHQ EHWUDNWDV W H[ |NDGH LQWlNWHU VRP EHURU Sn DWW UHJHO|YHUWUlGHOVHQ P|MOLJJMRUW ILQDQVLHOOD DNWLYLWHWHU VRP DQQDUV YRUH I|UEMXGQD OLNVRP XWHEOLYQD NRVWQDGHU VRP I|UDQOHWWV DY GHQ EULVWDQGH UHJHOHIWHUOHYQDGHQ VH SURS V I RFK SURS V I

2P GHQ MXULGLVND SHUVRQ VRP EHJnWW |YHUWUlGHOVHQ lU HWW PRGHUI|UHWDJ HOOHU HWW GRWWHUI|UHWDJ WLOO HWW PRGHUI|UHWDJ VRP lU VN\OGLJW DWW XSSUlWWD HQ NRQFHUQUHGRYLVQLQJ XWJ|U NRQFHUQHQV RPVlWWQLQJ GHQ UHOHYDQWD nUV RPVlWWQLQJHQ VRP VND EHVWlPPD VDQNWLRQHQV K|JVWD EHORSS DUWLNHO H L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW , GLUHNWLYHW KlQYLVDV L IUnJD RP YLOND NRQFHUQHU VRP RPIDWWDV WLOO GLUHNWLY (8 UHGRYLV QLQJVGLUHNWLYHW 5HJOHUQD RP VDQNWLRQVDYJLIWHUQDV VWRUOHN L I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW |YHUHQVVWlPPHU VRP QlPQV RYDQ WLOO VWRUD GHODU PHG PRWVYDUDQGH UHJOHU L DQGUD (8 GLUHNWLY VRP KDU JHQRPI|UWV L VYHQVN UlWW EO D NDSLWDOWlFNQLQJVGLUHNWLYHW PHQ lYHQ 8&,76 9 GLUHNWLYHW RFK (XURSDSDUODPHQWHWV RFK UnGHWV GLUHNWLY (8 DY GHQ PDM RP nWJlUGHU I|U DWW I|UKLQGUD DWW GHW ILQDQVLHOOD V\VWHPHW DQYlQGV I|U SHQQLQJWYlWW HOOHU ILQDQVLHULQJ DY WHUURULVP RP lQGULQJ DY (XURSDSDUODPHQWHWV RFK UnGHWV I|URUGQLQJ (8 QU RFK RP

XSSKlYDQGH DY (XURSDSDUODPHQWHWV RFK UnGHWV GLUHNWLY (* RFK

NRPPLVVLRQHQV GLUHNWLY (* IMlUGH SHQQLQJWYlWWVGLUHNWLYHW

opaginerad VRP WDN I|U VDQNWLRQVDYJLIWHQ EHKDQGODWV Sn ROLND VlWW , SURS Kontrollera mot PDF

, WLGLJDUH ODJVWLIWQLQJVlUHQGHQ KDU IUnJDQ RP NRQFHUQHQV RPVlWWQLQJ

VRP WDN I|U VDQNWLRQVDYJLIWHQ EHKDQGODWV Sn ROLND VlWW , SURS

I|UV HWW OlQJUH UHVRQHPDQJ RP IUnJDQ RP RPVlWWQLQJHQV

EHUlNQLQJ L YLVVD IDOO V ± 'lU XWYHFNODV IUnJDQ RP YDG VRP VND

DYVHV PHG RPVlWWQLQJ Sn NRQFHUQQLYn QlU NRQFHUQHQ EHVWnU DY ROLND

W\SHU DY I|UHWDJ , GHQ SURSRVLWLRQHQ ILQQV I|UVODJ WLOO JHQRPI|UDQGH DY

IOHUD (8 GLUHNWLY VRP OLNVRP I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW LQQH

KnOOHU UHJOHU RP VDQNWLRQVDYJLIWHU VRP EHUlNQDV Sn NRQFHUQQLYn

5HJHULQJHQ J|U L GHW VDPPDQKDQJHW EHG|PQLQJHQ DWW GHQ K|JVWD VDQN

WLRQVDYJLIWHQ EHUlNQDG XWLIUnQ RPVlWWQLQJ QlU GHQ MXULGLVND SHUVRQHQ

LQJnU L HQ NRQFHUQ E|U EHVWlPPDV XWLIUnQ VnGDQ RPVlWWQLQJ Sn NRQFHUQ

QLYn VRP PRWVYDUDU GHQ W\S DY RPVlWWQLQJ VRP GHQ MXULGLVND SHUVRQHQ

KDU 8WLIUnQ EHILQWOLJD UHGRYLVQLQJVUHJOHU NDQ GHW ILQQDV WUH W\SHU DY RP

VlWWQLQJ RPVlWWQLQJ IUnQ YHUNVDPKHW VRP UHGRYLVDV HQOLJW nUVUHGRYLV

QLQJVODJHQ RPVlWWQLQJ IUnQ YHUNVDPKHW VRP UHGRYLVDV HQOLJW ODJHQ

RP nUVUHGRYLVQLQJ L NUHGLWLQVWLWXW RFK YlUGHSDSSHUVERODJ

RFK RPVlWWQLQJ IUnQ YHUNVDPKHW VRP UHGRYLVDV HQOLJW ODJHQ

RP nUVUHGRYLVQLQJ L I|UVlNULQJVI|UHWDJ

'H VDQNWLRQVDYJLIWHU VRP I|UHVOnV L GHQQD SURPHPRULD E|U EHVWlPPDV

Sn VDPPD VlWW 'HW lU VnOHGHV YHUNVDPKHWHQ VRP lU I|UHPnO I|U LQJULS

DQGH VRP E|U DYJ|UD YDG VRP lU GHQ UHOHYDQWD RPVlWWQLQJHQ Sn NRQFHUQ

QLYn (Q DQQDQ VDN lU DWW SRVWHUQD I|U EHUlNQLQJ DY RPVlWWQLQJHQ PnVWH

KlPWDV XU NRQFHUQUHGRYLVQLQJHQ I|U GHW \WWHUVWD PRGHUI|UHWDJHW 8U

GHQQD UHGRYLVQLQJ E|U VnOHGHV KlPWDV GH LQWlNWVSRVWHU VRP PRWVYDUDU

GHQ W\S DY YHUNVDPKHW VRP EHGULYV DY GHW I|UHWDJ VRP VDQNWLRQHQ VND

ULNWDV PRW 'HWWD E|U IUDPJn L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

JHQRP DWW GHW DQJHV DWW GHW lU ´PRWVYDUDQGH´ RPVlWWQLQJ Sn NRQFHUQQLYn

VRP L WLOOlPSOLJD IDOO VND OLJJD WLOO JUXQG I|U EHUlNQLQJHQ

6RP UHGRJ|UV I|U RYDQ ILQQV L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ HQ EH

VWlPPHOVH VRP WDU VLNWH Sn HQ VLWXDWLRQ GlU |YHUWUlGHOVHQ KDU lJW UXP

XQGHU HQ I|UVlNULQJVI|UPHGODUHV HOOHU HWW I|UVlNULQJVI|UHWDJV I|UVWD YHUN

VDPKHWVnU HOOHU HQ VLWXDWLRQ GlU XSSJLIWHU RP RPVlWWQLQJHQ DQQDUV VDNQDV

HOOHU lU EULVWIlOOLJD NDS † DQGUD VW\FNHW , HWW VnGDQW IDOO InU HQ

XSSVNDWWQLQJ DY RPVlWWQLQJHQ J|UDV 5HJOHUQD L I|UVlNULQJVGLVWULEXWLRQV

GLUHNWLYHW XWJ|U LQWH QnJRW KLQGHU PRW DWW GHQ EHVWlPPHOVHQ I|UV |YHU WLOO

GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

, I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO H RFK I XWWU\FNV

VDQNWLRQVDYJLIWHQ L HXUR 1lU GHW JlOOHU VDQNWLRQVDYJLIWHU I|U EnGH I\VLVND

SHUVRQHU VH DYVQLWW RFK MXULGLVND SHUVRQHU DQJHV DWW I|U PHGOHPV

VWDWHU YDUV YDOXWD LQWH lU HXUR VND PRWVYDUDQGH YlUGH L QDWLRQHOO YDOXWD

GDJHQ I|U GLUHNWLYHWV LNUDIWWUlGDQGH WLOOlPSDV 'HW LQQHElU DWW GHQ YDOXWD

NXUV VRP NRPPHU DWW OLJJD WLOO JUXQG I|U RPUlNQLQJ PHOODQ HXUR RFK

VYHQVND NURQRU LQWH NRPPHU DWW I|UlQGUDV , IUnJD RP YLONHQ YDOXWDNXUV

VRP E|U WLOOlPSDV YLG RPUlNQLQJ PHOODQ HXUR RFK VYHQVND NURQRU

JMRUGHV QlU GHW JlOOHU HQ lQGULQJ DY LQVlWWQLQJVJDUDQWLQV WlFNQLQJV

EHORSS EHG|PQLQJHQ DWW GHQ V N PLWWNXUVHQ VRP GDJOLJHQ IDVWVWlOOV DY

1DVGDT 6WRFNKROP $% 6WRFNKROPVE|UVHQ E|U DQYlQGDV VH SURS

V I 'HW lU lYHQ GHQQD PLWWNXUV VRP WLOOlPSDV I|U RP

UlNQLQJ DY VDQNWLRQVDYJLIWHQ I|U I\VLVND SHUVRQHU HQOLJW NDSLWDOWlFNQLQJV

GLUHNWLYHW SURS V 'HW lU GlUI|U OlPSOLJW DWW WLOOlPSD

PLWWNXUVHQ I|U RPUlNQLQJ DY VDQNWLRQVDYJLIWHQ lYHQ HQOLJW I|UVlNULQJV

opaginerad GLVWULEXWLRQVGLUHNWLYHW (QOLJW PLWWNXUVHQ GHQ IHEUXDUL PRW VYDUDGH HXUR VYHQVND NURQRU Kontrollera mot PDF

GLVWULEXWLRQVGLUHNWLYHW (QOLJW PLWWNXUVHQ GHQ IHEUXDUL PRW VYDUDGH HXUR VYHQVND NURQRU

, I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DQJHV LQWH QnJRW OlJVWD EHORSS I|U VDQNWLRQVDYJLIWHU 'HW E|U GRFN ILQQDV HQ EHJUlQVQLQJ DY VDQNWLRQVDY JLIWHQV VWRUOHN lYHQ L ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ %HVWlPPHOVHQ L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ NDS † RP DWW DYJLIWHQ VND XSSJn WLOO OlJVW NURQRU E|U GlUI|U I|UDV |YHU WLOO GHQ Q\D ODJHQ

bYHQ L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ E|U DQJHV DWW VDQN WLRQVDYJLIWHU VRP EHVOXWDV I|U MXULGLVND SHUVRQHU VND WLOOIDOOD VWDWHQ

6RP IUDPJnU L DYVQLWWHQ RFK VND )LQDQVLQVSHNWLRQHQ lYHQ NXQQD LQJULSD JHQRP VDQNWLRQVDYJLIW PRW YLVVD XWOlQGVND I|UVlN ULQJVGLVWULEXW|UHU YLONHW E|U DQJHV L EHVWlPPHOVHUQD L ODJHQ RP I|UVlN ULQJVGLVWULEXWLRQ VRP DYVHU SnI|UDQGH DY VDQNWLRQVDYJLIWHU

6DQNWLRQVDYJLIW PRW I|UVlNULQJVGLVWULEXW|UHU VRP lU I\VLVND SHUVRQHU

3URPHPRULDQV I|UVODJ )LQDQVLQVSHNWLRQHQ VND LQJULSD PRW HQ I|UVlNULQJVGLVWULEXW|U VRP lU HQ I\VLVN SHUVRQ JHQRP VDQNWLRQVDYJLIW RP GLVWULEXW|UHQ KDU nVLGRVDWW VLQD VN\OGLJKHWHU HQOLJW ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ HOOHU DQGUD I|UIDWWQLQJDU VRP UHJOHUDU I|UVlNULQJVGLVWULEXW|UHQV YHUNVDPKHW

6DQNWLRQVDYJLIWHQ VND XSSJn WLOO OlJVW NURQRU RFK VRP K|JVW IDVWVWlOODV WLOO GHW K|JVWD DY

WYn JnQJHU GHQ YLQVW VRP I|UVlNULQJVGLVWULEXW|UHQ JMRUW WLOO I|OMG DY UHJHO|YHUWUlGHOVHQ RP EHORSSHW JnU DWW IDVWVWlOOD HOOHU

HWW EHORSS VRP SHU GHQ IHEUXDUL L NURQRU PRWVYDUDGH HXUR

2P HQ I|UVlNULQJVGLVWULEXW|U VRP lU HQ I\VLVN SHUVRQ KDU EHIXQQLWV DQVYDULJ I|U HQ |YHUWUlGHOVH DY ODJHQ RP SHQQLQJWYlWW RFK ILQDQVLHULQJ DY WHUURULVP HOOHU I|UHVNULIWHU VRP KDU PHGGHODWV PHG VW|G DY GHQ ODJHQ VND VDQNWLRQVDYJLIWHQ NXQQD EHVWlPPDV WLOO HWW EHORSS VRP SHU GHQ MXQL L NURQRU PRWVYDUDGH IHP PLOMRQHU HXUR

$YJLIWHQ VND WLOOIDOOD VWDWHQ

6NlOHQ I|U SURPHPRULDQV I|UVODJ , GHQQD SURPHPRULD I|UHVOnV LQWH DWW GHW VND VWlOODV XSS QnJRW NUDY L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWUL EXWLRQ Sn DWW YHUNVDPKHW VRP RPIDWWDV DY GHQ ODJHQ VND EHGULYDV L HQ YLVV MXULGLVN IRUP bYHQ HQ I\VLVN SHUVRQ NRPPHU VnOHGHV DWW NXQQD EHGULYD VnGDQ YHUNVDPKHW JHQRP HQVNLOG QlULQJVYHUNVDPKHW 9LG |YHU WUlGHOVHU VRP EHJnV DY HQ VnGDQ I\VLVN SHUVRQ E|U )LQDQVLQVSHNWLRQHQ Sn PRWVYDUDQGH VlWW VRP I|U MXULGLVND SHUVRQHU KD P|MOLJKHW DWW EHVOXWD RP VDQNWLRQVDYJLIW )LQDQVLQVSHNWLRQHQ KDU UHGDQ L GDJ P|MOLJKHW DWW EHVOXWD RP VWUDIIDYJLIW I|U I\VLVND SHUVRQHU I|UVlNULQJVI|UPHGODUH HQOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ NDS RFK †† Sn VDPPD JUXQGHU VRP YLG EHVOXW PRW MXULGLVND SHUVRQHU

)UnJDQ RP VDQNWLRQVDYJLIWHU PRW I\VLVND SHUVRQHU KDU Q\OLJHQ YDULW

I|UHPnO I|U |YHUYlJDQGH PHG DQOHGQLQJ DY JHQRPI|UDQGHW L VYHQVN UlWW DY UHYLVRUVGLUHNWLYHW SURS , GHW ODJVWLIWQLQJVlUHQGHW |YHU

YlJGHV RP LQI|UDQGHW DY VDQNWLRQVDYJLIWHU VRP HQ P|MOLJ GLVFLSOLQlU

opaginerad HOOHU JURYW RDNWVDPW MIU DYVQLWW Kontrollera mot PDF

nWJlUG VNXOOH OHGD WLOO DWW I|UIDUDQGHW KRV 5HYLVRUVLQVSHNWLRQHQ EOLU VWUDII

UlWWVOLJW L (XURSDNRQYHQWLRQHQV PHQLQJ 5HJHULQJHQ NRP JHQRP HQ

VDPPDQWDJHQ EHG|PQLQJ IUDP WLOO DWW Vn LQWH YDU IDOOHW 5HJHULQJHQ

DQI|UGH EO D DWW GH VDQNWLRQVDYJLIWHU VRP I|UHVNULYV L UHYLVLRQVSDNHWHW

LQWH NDQ RPYDQGODV WLOO HQ IULKHWVEHU|YDQGH SnI|OMG VDPPD SURS V

'H EHVOXWDV LQRP UDPHQ I|U HWW GLVFLSOLQI|UIDUDQGH VRP V\IWDU WLOO DWW

XSSUlWWKnOOD I|UWURHQGHW I|U HWW UHJOHUDW \UNH cWJlUGHQ ULNWDU VLJ GlUPHG

LQWH WLOO DOOPlQKHWHQ HOOHU HQ VW|UUH NUHWV SHUVRQHU XWDQ WLOO HQ

YlOGHILQLHUDG \UNHVNnU EHVWnHQGH DY K|JXWELOGDGH SHUVRQHU VRP DY IUL

YLOMD KDU XQGHUNDVWDW VLJ GHQ WLOOV\Q VRP I|OMHU PHG UlWWHQ DWW XW|YD

UHYLVRUV\UNHW 'LVFLSOLQnWJlUGHUQD VND L RFK I|U VLJ YDUD DYVNUlFNDQGH

DUWLNHO L UHYLVRUVGLUHNWLYHW RFK VDQNWLRQVDYJLIWHUQD NDQ DQVHV KD HQ

YLVV EHVWUDIIDQGH IXQNWLRQ +XYXGV\IWHW PHG GLVFLSOLQnWJlUGHUQD NDQ

HPHOOHUWLG HQOLJW UHJHULQJHQV XSSIDWWQLQJ LQWH DQVHV YDUD DWW HQ IHODQGH

UHYLVRU VND In HWW NlQQEDUW VWUDII XWDQ DWW GH VND YHUND VRP HWW LQFLWDPHQW

I|U UHYLVRUHUQD DWW I|OMD UHJHOYHUNHW RFK DWW VN\GGD DOOPlQKHWHQ IUnQ

EULVWHU L UHYLVLRQHQ 0RWVYDUDQGH EHG|PQLQJ E|U J|UDV L I|UHYDUDQGH

ODJVWLIWQLQJVlUHQGH %HVOXW RP VDQNWLRQVDYJLIW PRW I\VLVND SHUVRQHU PHG

HJHW WLOOVWnQG HQOLJW GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ E|U GlUI|U

LQWH I|UXWVlWWD DWW |YHUWUlGHOVHQ lU DY DOOYDUOLJ DUW 'HW VDNQDV RFNVn VNlO

DWW L GHQ Q\D ODJHQ LQI|UD NUDY Sn DWW SHUVRQHQ VND KD DJHUDW XSSVnWOLJHQ

HOOHU JURYW RDNWVDPW MIU DYVQLWW

(QOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO I VND VDQNWLRQV

DYJLIWHQ I|U HQ I\VLVN SHUVRQ VRP K|JVW IDVWVWlOODV WLOO GHW K|JVWD DY

HXUR HOOHU HWW EHORSS PRWVYDUDQGH WYn JnQJHU GHQ YLQVW VRP

JMRUWV HOOHU GHQ I|UOXVW VRP XQGYLNLWV WLOO I|OMG DY UHJHO|YHUWUlGHOVHQ RP

EHORSSHW JnU DWW IDVWVWlOOD 3n PRWVYDUDQGH VlWW VRP I|U MXULGLVND SHUVRQHU

JlOOHU DWW I|U PHGOHPVVWDWHU VRP LQWH KDU HXURQ VRP YDOXWD VND GHQ K|JVWD

VDQNWLRQVDYJLIW VRP VND NXQQD WDV XW PRWVYDUD GH QlPQGD YlUGHQD L GHQ

QDWLRQHOOD YDOXWDQ SHU GHQ IHEUXDUL

(QOLJW GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ E|U VnOHGHV JlOOD DWW

VDQNWLRQVDYJLIWHQ I|U HQ I|UVlNULQJVGLVWULEXW|U VRP lU HQ I\VLVN SHUVRQ

VND IDVWVWlOODV WLOO GHW K|JVWD DY

WYn JnQJHU GHQ YLQVW VRP I|UVlNULQJVGLVWULEXW|UHQ JMRUW WLOO I|OMG DY

UHJHO|YHUWUlGHOVHQ RP EHORSSHW JnU DWW IDVWVWlOOD HOOHU

HWW EHORSS VRP SHU GHQ IHEUXDUL L NURQRU PRWVYDUDGH

HXUR

3n VDPPD VlWW VRP UHGRJ|UV I|U RYDQ DYVQLWW L IUnJD RP MXULG

LVND SHUVRQHU VND EHUlNQLQJVPHWRGHUQD DQVHV VRP DOWHUQDWLYD QlU GHQ

K|JVWD VDQNWLRQVDYJLIWHQ I|U HQ I\VLVN SHUVRQ EHVWlPV 'HW E|U lYHQ L GHW

QX DNWXHOOD IDOOHW HQGDVW YDUD P|MOLJW I|U )LQDQVLQVSHNWLRQHQ DWW EHVOXWD

RP VDQNWLRQVDYJLIW L I|UHQLQJ PHG HQ DQPlUNQLQJ HOOHU HQ YDUQLQJ 3n

PRWVYDUDQGH VlWW VRP I|U MXULGLVND SHUVRQHU E|U DYJLIWHQ WLOOIDOOD VWDWHQ

, HQOLJKHW PHG YDG VRP DQI|UV RYDQ DYVQLWW E|U lYHQ L

I|UHYDUDQGH IDOO E|U GHQ V N PLWWNXUVHQ VRP GDJOLJHQ IDVWVWlOOV DY

1DVGDT 6WRFNKROP $% 6WRFNKROPVE|UVHQ WLOOlPSDV I|U RPUlNQLQJ DY

VDQNWLRQVDYJLIWHQ MIU SURS V

)MlUGH SHQQLQJWYlWWVGLUHNWLYHW LQQHKnOOHU L OLNKHW PHG I|UVlNULQJV

GLVWULEXWLRQVGLUHNWLYHW UHJOHU RP VDQNWLRQVDYJLIWHU PRW I\VLVND SHUVRQHU

DUWLNHO 5HJHULQJHQ KDU Q\OLJHQ I|UHVODJLW DWW IMlUGH SHQQLQJ

WYlWWVGLUHNWLYHW JHQRPI|UV L VYHQVN UlWW EO D JHQRP Q\D EHVWlPPHOVHU L

s. 2 ,QJULSDQGH PRW I\VLVND SHUVRQHU L Kontrollera mot PDF

ODJHQ RP I|UVlNULQJVI|UPHGOLQJ VH SURS 2P HQ I|UVlN ULQJVI|UPHGODUH VRP lU HQ I\VLVN SHUVRQ |YHUWUlGHU ODJHQ RP nWJlUGHU PRW SHQQLQJWYlWW RFK ILQDQVLHULQJ DY WHUURUVLVP VND SHUVRQHQ HQOLJW GHW I|UVODJHW NXQQD EOL I|UHPnO I|U VDQNWLRQVDYJLIWHU VRP SHU GHQ MXQL PRWVYDUDGH IHP PLOMRQHU HXUR DUWLNHO E (Q EHVWlP PHOVH PHG PRWVYDUDQGH LQQHKnOO E|U I|UDV LQ L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

,QJULSDQGH PRW I\VLVND SHUVRQHU L

I|UVlNULQJVGLVWULEXW|UHUV OHGQLQJ

3URPHPRULDQV I|UVODJ 2P HWW I|UVlNULQJVI|UHWDJ HOOHU HQ I|UVlNULQJVI|UPHGODUH lU HQ MXULGLVN SHUVRQ VND )LQDQVLQVSHNWLRQHQ NXQQD LQJULSD PRW HQ I\VLVN SHUVRQ VRP LQJnU L GHQ MXULGLVND SHUVRQHQV VW\UHOVH HOOHU lU GHVV YHUNVWlOODQGH GLUHNW|U HOOHU Sn PRWVYDUDQGH VlWW I|UHWUlGHU GHQ MXULGLVND SHUVRQHQ HOOHU lU HUVlWWDUH I|U QnJRQ DY GHP I|U HQ |YHUWUlGHOVH VRP GHQ MXULGLVND SHUVRQHQ JMRUW VLJ VN\OGLJ WLOO 'H |YHUWUlGHOVHU VRP NDQ I|UDQOHGD VDQNWLRQHU PRW I\VLVND SHUVRQHU L OHGQLQJHQ VND DQJHV XWWU\FNOLJHQ L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

)LQDQVLQVSHNWLRQHQ VND HQGDVW LQJULSD RP |YHUWUlGHOVHQ VRP GHQ MXULGLVND SHUVRQHQ KDU JMRUW VLJ VN\OGLJ WLOO lU DOOYDUOLJ XSSUHSDG HOOHU V\VWHPDWLVN RFK SHUVRQHQ L IUnJD XSSVnWOLJHQ HOOHU DY JURY RDNWVDPKHW KDU RUVDNDW |YHUWUlGHOVHQ

(WW LQJULSDQGH VND VNH JHQRP EHVOXW DWW SHUVRQHQ L IUnJD XQGHU HQ YLVV WLG OlJVW WUH RFK K|JVW WLR

nU LQWH InU LQQHKD HQ OHGDQGH SRVLWLRQ L HWW I|UVlNULQJVI|UHWDJ HOOHU L HQ I|UVlNULQJVI|UPHGODUH HOOHU

EHVOXW RP VDQNWLRQVDYJLIW 6DQNWLRQVDYJLIWHQ VND VRP K|JVW IDVWVWlOODV WLOO GHW K|JVWD DY WYn JnQJHU GHQ YLQVW VRP GHQ I\VLVND SHUVRQHQ JMRUW WLOO I|OMG DY

UHJHO|YHUWUlGHOVHQ RP EHORSSHW JnU DWW IDVWVWlOOD HOOHU

HWW EHORSS VRP SHU GHQ IHEUXDUL L NURQRU PRWVYDUDGH HXUR

2P GHQ MXULGLVND SHUVRQHQ KDU EHIXQQLWV DQVYDULJ I|U HQ |YHU WUlGHOVH DY ODJHQ RP SHQQLQJWYlWW RFK ILQDQVLHULQJ DY WHUURULVP HOOHU I|UHVNULIWHU VRP KDU PHGGHODWV PHG VW|G DY GHQ ODJHQ VND VDQNWLRQV DYJLIWHQ NXQQD EHVWlPPDV WLOO HWW EHORSS VRP SHU GHQ MXQL L NURQRU PRWVYDUDGH IHP PLOMRQHU HXUR

$YJLIWHQ VND WLOOIDOOD VWDWHQ

6NlOHQ I|U SURPHPRULDQV I|UVODJ

En överträdelsekatalog

$Y I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW I|OMHU DWW RP VN\OGLJKHWHU JlOOHU MXULGLVND SHUVRQHU L KlQGHOVH DY HQ |YHUWUlGHOVH DY GH QDWLRQHOOD EHVWlPPHOVHU VRP JHQRPI|UW GLUHNWLYHW VND VDQNWLRQHU RFK nWJlUGHU NXQQD WLOOlPSDV Sn OHGQLQJHQ RFK DQGUD SHUVRQHU VRP HQOLJW QDWLRQHOO UlWW ElU DQVYDU I|U |YHUWUlGHOVHQ DUWLNHO

opaginerad Personkretsen som kan träffas av sanktioner Kontrollera mot PDF

, GHQ |YHUWUlGHOVHNDWDORJ VRP ILQQV L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO UlNQDV HWW DQWDO |YHUWUlGHOVHU XSS VRP NDQ EHJnV I|UVlN ULQJVGLVWULEXW|UHU I|UVlNULQJVI|UHWDJ HOOHU I|UVlNULQJVI|UPHGODUH 6RP IUDPJnU RYDQ DYVQLWW NDQ |YHUWUlGHOVHUQD EO D EHVWn L DWW I|UVlN ULQJVI|UHWDJ HOOHU I|UVlNULQJVI|UPHGODUH VRP EHGULYHU GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU LQWH LDNWWDU XSSI|UDQGH UHJOHUQD L NDSLWOHQ 9 RFK 9, L GLUHNWLYHW DUWLNODUQD ± DWW HQ I|UVlN ULQJVI|UPHGODUH EHGULYHU GLVWULEXWLRQVYHUNVDPKHW XWDQ WLOOVWnQG HOOHU DWW I|UVlNULQJVI|UPHGODUH HUKnOOLW WLOOVWnQG Sn JUXQG DY RULNWLJD XSSJLIWHU

)|U DWW L VYHQVN UlWW JHQRPI|UD PRWVYDUDQGH UHJOHU L NDSLWDOWlFNQLQJV GLUHNWLYHW KDU GHW L ODJHQ RP EDQN RFK ILQDQVLHULQJVU|UHOVH RFK L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ LQI|UWV Q\D EHVWlPPHOVHU VRP XWWU\FNOLJHQ DQJHU GH |YHUWUlGHOVHU I|U YLOND VDQNWLRQHU NDQ ULNWDV PRW I\VLVND SHU VRQHU L NUHGLWLQVWLWXWHQV HOOHU YlUGHSDSSHUVERODJHQV OHGQLQJVRUJDQ NDS D † UHVSHNWLYH NDS D † 'HWWD PRWLYHUDV EO D DY DWW HQ VnGDQ RUGQLQJ VNDSDU W\GOLJKHW RFK I|UXWVHEDUKHW I|U GHQ HQVNLOGH YLONHW LQWH PLQVW lU YLNWLJW Gn EHVWlPPHOVHUQD NDQ DQVHV KD VWUDIIUlWWVOLJ NDUDN WlU SURS V I 'H UHJHO|YHUWUlGHOVHU VRP HQOLJW I|UVlN ULQJVGLVWULEXWLRQVGLUHNWLYHW VND NXQQD I|UDQOHGD VDQNWLRQHU PRW I\VLVND OHGQLQJVSHUVRQHU E|U DY VDPPD VNlO DQJHV XWWU\FNOLJHQ L ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ gYHUWUlGHOVHNDWDORJHQ E|U P|MOLJJ|UD LQJULS DQGHQ PRW I\VLVND OHGQLQJVSHUVRQHU I|U GH |YHUWUlGHOVHU VRP NUlYV HQOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 'lUXW|YHU E|U DQJHV DWW |YHUWUlGHOVHU DY ODJHQ RP nWJlUGHU PRW SHQQLQJWYlWW RFK ILQDQVLHULQJ DY WHUURULVP HOOHU I|UHVNULIWHU VRP PHGGHODWV PHG VW|G DY GHQ ODJHQ VND NXQQD PHGI|UD LQJULSDQGH PRW OHGQLQJVSHUVRQHU MIU SURS V ±

Personkretsen som kan träffas av sanktioner

9LG JHQRPI|UDQGHW L VYHQVN UlWW DY NDSLWDOWlFNQLQJVGLUHNWLYHW I|UGH UHJHULQJHQ HWW UHVRQHPDQJ NULQJ GHQ SHUVRQNUHWV VRP L GHW QX DNWXHOOD KlQVHHQGHW E|U NXQQD WUlIIDV DY VDQNWLRQHU RFK NRQVWDWHUDGH Gn DWW GHQQD L HQ VYHQVN NRQWH[W E|U EHVWn DY VW\UHOVHQ GHQ YHUNVWlOODQGH GLUHNW|UHQ RFK HUVlWWDUH I|U GHVVD SURS V 'HW VDNQDV VNlO DWW L I|UHYDUDQGH ODJVWLIWQLQJVlUHQGH DYYLND IUnQ GHQ EHG|PQLQJ VRP WLGLJDUH JMRUWV L IUnJD RP NUHWVHQ DY OHGQLQJVSHUVRQHU PRW YLOND LQJULSDQGH E|U NXQQD VNH QlU GHW JlOOHU GH I|UVlNULQJVGLVWULEXW|UHU VRP GULYV L IRUP DY DNWLHERODJ HOOHU HNRQRPLVND I|UHQLQJDU

6RP DQI|UV RYDQ NDQ GRFN I|UVlNULQJVGLVWULEXWLRQ VRP LQWH EHGULYV DY HWW I|UVlNULQJVI|UHWDJ VNH L DQGUD IRUPHU lQ DNWLHERODJ RFK HNRQRPVND I|UHQLQJDU 'HW LQQHElU DWW DOOD I|UVlNULQJVGLVWULEXW|UHU LQWH RPIDWWDV DY NUDY Sn DWW XWVH HQ VW\UHOVH HOOHU HQ YHUNVWlOODQGH GLUHNW|U 'HW E|U GlUI|U L ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ I|UDV LQ HQ EHVWlPPHOVH VRP J|U GHW P|MOLJW I|U )LQDQVLQVSHNWLRQHQ DWW LQJULSD PRW HQ OHGQLQJVSHUVRQ lYHQ L MXULGLVND SHUVRQHU VRP LQWH KDU HQ VW\UHOVH .UHWVHQ VRP VND NXQQD WUlIIDV DY VDQNWLRQHU E|U RPIDWWD GHQ HOOHU GH SHUVRQHU VRP KDU PRW VYDUDQGH VWlOOQLQJ HOOHU DQVYDU VRP VW\UHOVHQ L HWW DNWLHERODJ HOOHU HQ HNRQRPLVN I|UHQLQJ 'lULJHQRP EOLU GHW P|MOLJW DWW LQJULSD PRW EO D NRPSOHPHQWlUHQ L NRPPDQGLWERODJ HOOHU ERODJVPlQ L KDQGHOVERODJ

opaginerad ,QJULSDQGHQ PRW OHGQLQJVSHUVRQHU I|UXWVlWWHU DWW YHUNVDPKHWHQ EHGULYV Kontrollera mot PDF

,QJULSDQGHQ PRW OHGQLQJVSHUVRQHU I|UXWVlWWHU DWW YHUNVDPKHWHQ EHGULYV

DY HQ MXULGLVN SHUVRQ (Q I\VLVN SHUVRQ VRP GULYHU HQVNLOG QlULQJVYHUN VDPKHW NDQ GlUI|U LQWH GUDEEDV DY GXEEOD VDQNWLRQHU , KDQGHOVERODJ NDQ GRFN HQ VDQNWLRQ PRW ERODJHW RFK HQ SHUVRQOLJ VDQNWLRQ I|U HQ ERODJVPDQ LQQHElUD DWW GHQ VDPODGH VDQNWLRQHQ VRP SHUVRQOLJHQ GUDEEDU ERODJV PDQQHQ EOLU RSURSRUWLRQHUOLJW K|J RP )LQDQVLQVSHNWLRQHQ LQWH EHDNWDU GHW IDNWXP DWW ERODJVPDQQHQ lU SHUVRQOLJW DQVYDULJ lYHQ I|U ERODJHQV XWJLIWHU )LQDQVLQVSHNWLRQHQ VND GRFN YLG EHVWlPPDQGHW DY VDQNWLRQV DYJLIWHQV VWRUOHN RFK YLG YDO DY LQJULSDQGH WD KlQV\Q WLOO EO D GHQ ILQDQ VLHOOD VWlOOQLQJHQ KRV GHQ VRP GUDEEDV DY HQ VDQNWLRQ VH DYVQLWW 'lULJHQRP NDQ KlQV\Q WDV WLOO GHQ VDPODGH VDQNWLRQHQV DOOYDUOLJKHW RFK HQ SURSRUWLRQHUOLJ WLOOlPSQLQJ NDQ XSSQnV

Förutsättningar för ingripanden mot ledningspersoner

9LG JHQRPI|UDQGHW DY NDSLWDOWlFNQLQJVGLUHNWLYHW DQI|UGH UHJHULQJHQ lYHQ DWW GHW I|U DWW XQGHUVWU\ND DWW GHW lU LQVWLWXWHQ VRP VWnU L IRNXV Gn VDQNWLRQHU |YHUYlJV RFK DWW VDQNWLRQHU PRW I\VLVND SHUVRQHU HQGDVW E|U NRPPD L IUnJD L VlUVNLOGD IDOO VND NUlYDV DWW LQVWLWXWHWV |YHUWUlGHOVH lU DOOYDUOLJ I|U DWW VDQNWLRQHU PRW I\VLVND SHUVRQHU VND NRPPD L IUnJD SURS V 5HJHULQJHQ XWWDODGH YLGDUH DWW GHW DOOPlQW EHWUDNWDW WHU VLJ VRP PHU EHIRJDW PHG HWW LQJULSDQGH PRW SHUVRQHU L HWW LQVWLWXWV OHG QLQJ YLG VnGDQD UHJHO|YHUWUlGHOVHU VRP NDQ PHGI|UD DOOYDUOLJD NRQVH NYHQVHU I|U VWDELOLWHWHQ L LQVWLWXWHW HOOHU L GHW ILQDQVLHOOD V\VWHPHW VRP KHOKHW 'HWVDPPD JlOOHU YLG |YHUWUlGHOVHU VRP NDQ KRWD DQGUD YLNWLJD VDPKlOOVLQWUHVVHQ W H[ EHNlPSQLQJHQ DY SHQQLQJWYlWW HOOHU GlU VN\GGHW I|U HQVNLOGD NRQVXPHQWHU lYHQW\UDV Sn HWW VlUVNLOW SnWDJOLJW VlWW

, GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ E|U GHW PHG KlQV\Q WLOO GHW DQI|UGD Sn VDPPD VlWW VRP L ODJHQ RP EDQN RFK ILQDQVLHULQJVU|UHOVH DQJHV DWW GHW VND YDUD IUnJD RP HQ DOOYDUOLJ |YHUWUlGHOVH I|U DWW HWW LQJULS DQGH PRW HQ I\VLVN SHUVRQ L OHGQLQJHQ VND NXQQD VNH , OLNKHW PHG GHW VRP DQJHV L I|UVODJHW L SURS RP lQGULQJ L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ QlU GHW JlOOHU Q\D EHVWlPPHOVHU RP LQJULSDQGH YLG |YHUWUlGHOVHU DY ODJHQ RP nWJlUGHU PRW SHQQLQJWYlWW RFK ILQDQVLHULQJ DY WHUURULVP E|U GHW L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWUL EXWLRQ DQJHV DWW LQJULSDQGH NDQ VNH YLG XSSUHSDGH HOOHU V\VWHPDWLVND |YHUWUlGHOVHU YLONHW \WWHUOLJDUH I|UW\GOLJDU I|UXWVlWWQLQJDUQD I|U QlU LQJULSDQGH NDQ VNH

$Y GHQQD EHJUlQVQLQJ I|OMHU VnOHGHV DWW L HQ VLWXDWLRQ GlU HQ I\VLVN SHUVRQV DJHUDQGH L RFK I|U VLJ EHG|PWV VRP P\FNHW DQPlUNQLQJVYlUW PHQ GlU YHUNVDPKHWVXW|YDUHQV |YHUWUlGHOVH VDPWLGLJW LQWH EHG|PV VRP WLOOUlFNOLJW JUDYHUDQGH NDQ HQ VDQNWLRQ LQWH ULNWDV PRW GHQ HQVNLOGH 'HW E|U GRFN LQWH NUlYDV DWW HWW VDQNWLRQVEHVOXW KDU PHGGHODWV PRW HQ YHUN VDPKHWVXW|YDUH I|U DWW HQ VDQNWLRQ PRW HQ I\VLVN SHUVRQ VND NXQQD NRPPD L IUnJD 'HW I|OMHU DY DWW GHW NDQ ILQQDV VLWXDWLRQHU VRP L RFK I|U VLJ ERUGH KD OHWW WLOO HWW VDQNWLRQVEHVOXW PRW I|UVlNULQJVGLVWULEXW|UHQ PHQ GlU QnJRW VnGDQW LQWH KDU PHGGHODWV H[HPSHOYLV Sn JUXQG DY DWW GLVWULEX W|UHQ KDU I|UVDWWV L NRQNXUV LQQDQ |YHUWUlGHOVHQ XSSWlFNWHV (Q VnGDQ VLWXDWLRQ E|U LQWH XWHVOXWD HWW LQJULSDQGH PRW HQ I\VLVN SHUVRQ

bYHQ IUnJDQ RP VXEMHNWLYD UHNYLVLW VRP I|UXWVlWWQLQJ I|U DQVYDU YLG

LQJULSDQGH PRW OHGQLQJVSHUVRQHU EHU|UGHV YLG JHQRPI|UDQGHW DY NDSLWDO

opaginerad ,QJULSDQGHQ PRW OHGQLQJVSHUVRQHU I|UXWVlWWHU DWW YHUNVDPKHWHQ EHGULYV Kontrollera mot PDF

WlFNQLQJVGLUHNWLYHW 5HJHULQJHQ DQI|UGH L GHW VDPPDQKDQJHW DWW I|U DWW I|UW\GOLJD QlU GHW NDQ EOL IUnJD RP DQVYDU I|U HQ I\VLVN SHUVRQ DYVHHQGH HWW LQVWLWXWV |YHUWUlGHOVH lU GHW OlPSOLJW DWW LQI|UD HWW VXEMHNWLYW UHNYLVLW VRP I|UXWVlWWQLQJ I|U LQJULSDQGH SURS V 'lULJHQRP XQGHUVWU\NV \WWHUOLJDUH DWW GHW E|U YDUD IUnJD RP VlUVNLOW DOOYDUOLJD IDOO I|U DWW HQ VDQNWLRQ VND NXQQD NRPPD L IUnJD ,QI|UDQGHW DY HWW VXEMHNWLYW UHNYLVLW PRWLYHUDV RFNVn DY VDQNWLRQHQV VWUDIIUlWWVOLJD NDUDNWlU (QOLJW JUXQGOlJJDQGH VWUDIIUlWWVOLJD SULQFLSHU E|U GHW LQWH XWG|PDV VDQNWLRQHU DY VWUDIIOLNQDQGH NDUDNWlU XWDQ DWW SHUVRQHQ L IUnJD L QnJRW DYVHHQGH KDU YLVDW XSSVnW HOOHU RDNWVDPKHW )|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO VWlOOHU LQWH XSS QnJRW NUDY Sn DWW GHW LQI|UV HWW VXEMHNWLYW UHNYLVLW VRP I|UXWVlWWQLQJ I|U DQVYDU 'HW ILQQV GRFN LQJHW KLQGHU I|U HQ PHGOHPVVWDW DWW LQI|UD HWW VnGDQW YLOONRU 3n VDPPD JUXQGHU VRP L WLGLJDUH ODJVWLIW QLQJVlUHQGHQ E|U VXEMHNWLYD UHNYLVLW LQI|UDV VRP I|UXWVlWWQLQJ I|U DQVYDU lYHQ YLG LQJULSDQGH PRW OHGQLQJVSHUVRQHU HQOLJW ODJHQ RP I|UVlNULQJV GLVWULEXWLRQ

9DU GHQ QHGUH JUlQVHQ I|U GHW VXEMHNWLYD UHNYLVLWHW E|U VlWWDV EHURU Sn YLONHW KDQGODQGH PDQ YLOO LQJULSD PRW PHQ lYHQ Sn GHW LQWUnQJ RFK GHQ ROlJHQKHW VRP GHW LQQHElU I|U SHUVRQHQ VRP EOLU I|UHPnO I|U VDQNWLRQHQ 0RW EDNJUXQG DY DWW VDQNWLRQHU PRW I\VLVND SHUVRQHU PHG OHGQLQJVDQVYDU HQGDVW E|U NRPPD L IUnJD L VlUVNLOW DOOYDUOLJD IDOO E|U L OLNKHW PHG YDG VRP JlOOHU HQOLJW ODJHQ RP EDQN RFK ILQDQVLHULQJVU|UHOVH NDS D † HQ QHGUH JUlQV VlWWDV YLG JURY RDNWVDPKHW 'HWWD LQQHElU DWW GHW HQGDVW lU HQ PHU NYDOLILFHUDG IRUP DY RDNWVDPKHW VRP NDQ WUlIIDV DY HQ VDQNWLRQ ([HPSHO Sn VnGDQ JURY RDNWVDPKHW NDQ YDUD DWW VW\UHOVHQ HOOHU YHUN VWlOODQGH GLUHNW|UHQ PHGYHWHW WDJLW HQ ULVN L IUnJD RP ULNWLJKHWHQ KRV YLVVD XSSJLIWHU VRP OlPQDV WLOO )LQDQVLQVSHNWLRQHQ (WW PHGYHWHW ULVN WDJDQGH NDQ GHW YLGDUH YDUD IUnJD RP QlU VW\UHOVHQ HOOHU YHUNVWlOODQGH GLUHNW|UHQ XQGHUOnWLW DWW VH WLOO DWW GHW ILQQV HQ lQGDPnOVHQOLJ RUJDQLVDWLRQ Sn SODWV I|U UDSSRUWHULQJ HOOHU LQIRUPDWLRQVOlPQDQGH HOOHU XQGHUOnWLW DWW UHJHOEXQGHW I|OMD XSS KXU RUJDQLVDWLRQHQ IXQJHUDU 'HW E|U RFNVn DQVHV JURYW RDNWVDPW DWW XQGHUOnWD DWW VlWWD VLJ LQ L LQQHE|UGHQ DY VnGDQD UHJOHU RP VW\UQLQJ RFK NRQWUROO VRP KDU YlVHQWOLJ EHW\GHOVH I|U I|UVlNULQJV GLVWULEXWLRQVYHUNVDPKHWHQ

Sanktioner som ska kunna riktas mot personer i ledande ställning

(QOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW VND PHGOHPVVWDWHUQD VH WLOO DWW

GHW ILQQV HQ DGPLQLVWUDWLY VDQNWLRQ VRP LQEHJULSHU HWW WLOOIlOOLJW I|UEXG I|U

SHUVRQHU PHG OHGQLQJVDQVYDU KRV HQ I|UVlNULQJVI|UPHGODUH HOOHU HWW

I|UVlNULQJVI|UHWDJ DWW XW|YD VnGDQD IXQNWLRQHU DUWLNHO G

(Q PRWVYDUDQGH VDQNWLRQ LQI|UGHV L EO D ODJHQ RP EDQN RFK ILQDQVLH

ULQJVU|UHOVH YLG JHQRPI|UDQGHW DY NDSLWDOWlFNQLQJVGLUHNWLYHW 5HJHULQJ

HQV |YHUYlJDQGHQ L GHW VDPPDQKDQJHW KDU ElULQJ lYHQ Sn I|UHYDUDQGH

ODJVWLIWQLQJVlUHQGH 5HJHULQJHQ NRQVWDWHUDGH Gn DWW VDQNWLRQHQ L VWRU XW

VWUlFNQLQJ OLNQDU HWW QlULQJVI|UEXG HQOLJW ODJHQ RP QlULQJV

I|UEXG SURS (WW VnGDQW I|UEXG EHVOXWDV DY DOOPlQ GRPVWRO

RFK LQQHElU EO D DWW SHUVRQHQ LQWH InU YDUD OHGDPRW HOOHU VXSSOHDQW L

VW\UHOVHQ I|U HWW DNWLHERODJ RFK LQWH KHOOHU YDUD YHUNVWlOODQGH GLUHNW|U

HOOHU YLFH YHUNVWlOODQGH GLUHNW|U L DNWLHERODJ 5HJHULQJHQ NRQVWDWHUDGH DWW

GHW VNXOOH NXQQD KlYGDV DWW UHJOHUQD RP QlULQJVI|UEXG LQQHElU DWW GHQ

opaginerad Något om sanktioner mot fysiska ledningspersoner i förhållande till dubbelprövningsförbudet Kontrollera mot PDF

VYHQVND ODJVWLIWQLQJHQ XSSI\OOHU NDSLWDOWlFNQLQJVGLUHNWLYHWV NUDY L IUnJD RP GHQ DNWXHOOD VDQNWLRQHQ 1lULQJVI|UEXG NDQ PHGGHODV Sn HQ UDG JUXQGHU 'HQ JUXQG VRP RIWDVW WRUGH EOL DNWXHOO DWW WLOOlPSD LQQHElU DWW SHUVRQHQ KDU JMRUW VLJ VN\OGLJ WLOO EURWW I|U DWW QlULQJVI|UEXG VND NXQQD PHGGHODV 5HJHULQJHQ DQVnJ GRFN DWW HQ VnGDQ I|UXWVlWWQLQJ LQWH E|U JlOOD L GHWWD VDPPDQKDQJ VDPPD SURS V

'HW ILQQV LQWH VNlO DWW J|UD QnJRQ DQQDQ EHG|PQLQJ L I|UHYDUDQGH ODJ VWLIWQLQJVlUHQGH 'HW QX DNWXHOOD I|UEXGHW E|U LQQHElUD DWW SHUVRQHQ LQWH InU XSSUlWWKnOOD IXQNWLRQHQ KRV GHQ MXULGLVND SHUVRQHQ )|UEXGHW E|U lYHQ RPIDWWD DOOD PRWVYDUDQGH OHGDQGH IXQNWLRQHU L DQGUD I|UVlNULQJV GLVWULEXW|UHU )|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW VWlOOHU LQWH XSS QnJUD NUDY Sn DWW GHW DQJHV HQ YLVV WLGVU\PG I|U KXU OlQJH HWW I|UEXG VND NXQQD JlOOD (Q VnGDQ WLGVU\PG E|U GRFN LQI|UDV L ODJHQ RP I|UVlNULQJV GLVWULEXWLRQ I|U DWW WLOOJRGRVH NUDYHQ Sn I|UXWVHEDUKHW RFK UlWWVVlNHUKHW , OLNKHW PHG ODJHQ RP EDQN RFK ILQDQVLHULQJVU|UHOVH NDS D † E|U HWW VnGDQW I|UEXG JlOOD XQGHU HQ YLVV WLG OlJVW WUH RFK K|JVW WLR nU

(Q OHGQLQJVSHUVRQ VND VRP DQI|UV RYDQ RFNVn NXQQD EOL I|UHPnO I|U EHVOXW RP VDQNWLRQVDYJLIW DUWLNHO I , PHGOHPVVWDWHU VRP LQWH KDU HXURQ VRP YDOXWD VND VDQNWLRQVDYJLIWHQV K|JVWD EHORSS NXQQD XSSJn WLOO PRWVYDUDQGH HXUR L QDWLRQHOO YDOXWD GHQ IHEUXDUL bYHQ L IUnJD RP VDQNWLRQVDYJLIW I|U HQ OHGQLQJVSHUVRQ E|U GHQ V N PLWWNXUVHQ VRP GDJOLJHQ IDVWVWlOOV DY 1DVGDT 6WRFNKROP $% 6WRFNKROPVE|UVHQ WLOOlPSDV I|U RPUlNQLQJ DY VDQNWLRQVDYJLIWHQ MIU DYVQLWW

2P GHW JHU HWW K|JUH PD[EHORSS lQ HWW EHORSS PRWVYDUDQGH HXUR VND VDQNWLRQVDYJLIWHQ NXQQD EHVWlPPDV WLOO WYn JnQJHU GHQ YLQVW VRP OHGQLQJVSHUVRQHQ HUKnOOLW WLOO I|OMG DY |YHUWUlGHOVHQ

%HVOXW RP HWW WLGVEHJUlQVDW I|UEXG DWW XW|YD HQ OHGDQGH IXQNWLRQ RFK EHVOXW RP VDQNWLRQVDYJLIW E|U NXQQD DQYlQGDV WLOOVDPPDQV HOOHU YDU I|U VLJ )|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW I|UHVNULYHU DUWLNHO DWW DOOD UHOHYDQWD RPVWlQGLJKHWHU VND EHDNWDV QlU GHQ EHK|ULJD P\QGLJKHWHQ IDVWVWlOOHU W\SHQ DY RFK QLYnQ Sn DGPLQLVWUDWLYD VDQNWLRQHU HOOHU nWJlUGHU VH DYVQLWW )LQDQVLQVSHNWLRQHQ VND GlUI|U EHDNWD VDPWOLJD RPVWlQGLJKHWHU L GHW HQVNLOGD IDOOHW QlU LQVSHNWLRQHQ IDVWVWlOOHU HQ SURSRUWLRQHUOLJ VDQNWLRQ

)MlUGH SHQQLQJWYlWWVGLUHNWLYHW LQQHKnOOHU L OLNKHW PHG I|UVlNULQJVGLVWUL EXWLRQVGLUHNWLYHW UHJOHU RP VDQNWLRQVDYJLIWHU PRW I\VLVND SHUVRQHU 5HJHULQJHQ KDU Q\OLJHQ I|UHVODJLW DWW GHVVD UHJOHU VND JHQRPI|UDV L VYHQVN UlWW EO D JHQRP Q\D EHVWlPPHOVHU L ODJHQ RP I|UVlNULQJV I|UPHGOLQJ SURS 2P HQ I|UVlNULQJVGLVWULEXW|U |YHUWUlGHU ODJHQ RP nWJlUGHU PRW SHQQLQJWYlWW RFK ILQDQVLHULQJ DY WHUURUVLVP VND HQ I\VLVN SHUVRQ L GLVWULEXW|UHQV OHGQLQJ NXQQD EOL I|UHPnO I|U VDQNWLRQVDYJLIWHU VRP SHU GHQ MXQL PRWVYDUDGH IHP PLOMRQHU HXUR DUWLNHO E 'HWWD E|U DQJHV L ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

Något om sanktioner mot fysiska ledningspersoner i förhållande till dubbelprövningsförbudet

, GHQ HXURSHLVND NRQYHQWLRQHQ DY GHQ QRYHPEHU RP VN\GG I|U GH PlQVNOLJD UlWWLJKHWHUQD RFK GH JUXQGOlJJDQGH IULKHWHUQD (XURSD NRQYHQWLRQHQ ILQQV FLYLOD RFK SROLWLVND UlWWLJKHWHU UHJOHUDGH 6YHULJH KDU

UDWLILFHUDW (XURSDNRQYHQWLRQHQ RFK NRQYHQWLRQHQ KDU LQI|UOLYDWV PHG

opaginerad VYHQVN UlWW JHQRP ODJHQ RP GHQ HXURSHLVND NRQYHQWLRQHQ Kontrollera mot PDF

VYHQVN UlWW JHQRP ODJHQ RP GHQ HXURSHLVND NRQYHQWLRQHQ

DQJnHQGH VN\GG I|U GH PlQVNOLJD UlWWLJKHWHUQD RFK GH JUXQGOlJJDQGH

IULKHWHUQD , UHJHULQJVIRUPHQ NDS † ILQQV HWW I|UEXG PRW DWW

PHGGHOD ODJ HOOHU I|UHVNULIW VRP VWnU L VWULG PHG (XURSDNRQYHQWLRQHQ )|U

VnYlO (8 V LQVWLWXWLRQHU VRP I|U PHGOHPVVWDWHUQD JlOOHU lYHQ (XURSHLVND

XQLRQHQV VWDGJD RP GH JUXQGOlJJDQGH UlWWLJKHWHUQD (8 V UlWWLJKHWV

VWDGJD

(XURSDNRQYHQWLRQHQV VMXQGH WLOOlJJVSURWRNROO DUWLNHO VRP lYHQ GHW

KDU UDWLILFHUDWV DY 6YHULJH RFK JlOOHU VRP ODJ JHU (XURSDNRQYHQWLRQHQ HQ

UHJOHULQJ DY SULQFLSHQ RP DWW GHQ VRP HQ JnQJ EOLYLW G|PG HOOHU IULNlQG

DY GRPVWRO I|U HWW EURWW VND YDUD VN\GGDG PRW Q\WW nWDO RFK Q\ GRP I|U

VDPPD EURWW 5lWWLJKHWHQ HOOHU I|UEXGHW KDU IOHUD EHQlPQLQJDU GXEEHO

EHVWUDIIQLQJVI|UEXGHW GXEEHOSU|YQLQJVI|UEXGHW I|UEXGHW PRW GXEEOD

I|UIDUDQGHQ RFK GHQ ODWLQVND EHQlPQLQJHQ QH ELV LQ LGHP HM WYn JnQJHU L

VDPPD VDN , GHW I|OMDQGH DQYlQGV WHUPHQ GXEEHOSU|YQLQJVI|UEXGHW MIU

EO D SURS V 'XEEHOSU|YQLQJVI|UEXGHW LQQHElU EO D DWW

LQJHQ InU ODJI|UDV HOOHU VWUDIIDV Sn Q\WW L HQ EURWWPnOVUlWWHJnQJ L VDPPD

VWDW I|U HWW EURWW I|U YLONHW KDQ HOOHU KRQ UHGDQ EOLYLW VOXWOLJW IULNlQG HOOHU

G|PG L HQOLJKHW PHG ODJHQ RFK UlWWHJnQJVRUGQLQJHQ L GHQQD VWDW 'XEEHO

SU|YQLQJVI|UEXGHW L (XURSDNRQYHQWLRQHQV VMXQGH WLOOlJJVSURWRNROO lU

EHJUlQVDW WLOO DWW JlOOD VDPPD UlWWVVXEMHNW 9LGDUH LQQHElU GHW HWW VN\GG

EDUD PRW ODJI|ULQJ LQRP HQ RFK VDPPD VWDW , DQGUD GHODU lU LQQHE|UGHQ

DY GHW LQWH OLND W\GOLJ 'HWWD JlOOHU EO D IUnJRU RP YDG VRP DYVHV PHG DWW

ODJI|UDV HOOHU VWUDIIDV HOOHU YDG VRP XWJ|U VDPPD EURWW

, (8 V UlWWLJKHWVVWDGJD DUWLNHO ILQQV RFNVn HQ EHVWlPPHOVH RP

GXEEHOSU|YQLQJVI|UEXGHW (QOLJW GHQ InU LQJHQ ODJI|UDV HOOHU VWUDIIDV Sn

Q\WW I|U HQ ODJ|YHUWUlGHOVH I|U YLONHQ KDQ HOOHU KRQ UHGDQ KDU EOLYLW IUL

NlQG HOOHU G|PG L XQLRQHQ JHQRP HQ ODJDNUDIWYXQQHQ EURWWPnOVGRP L

HQOLJKHW PHG ODJHQ %HVWlPPHOVHQ lU LQWH KHOW LGHQWLVN PHG GHQ RP

GXEEHOSU|YQLQJVI|UEXGHW L (XURSDNRQYHQWLRQHQV VMXQGH WLOOlJJV

SURWRNROO 'HW lU LQWH KHOOHU KHOW VMlOYNODUW DWW GHQ KDU H[DNW VDPPD

LQQHE|UG VRP NRQYHQWLRQHQV GXEEHOSU|YQLQJVI|UEXG (Q YLNWLJ VNLOOQDG

PRW (XURSDNRQYHQWLRQHQ PHG WLOOK|UDQGH ODJ lU DWW (8 V UlWWLJKHWVVWDGJD

EDUD JlOOHU YLG WLOOlPSQLQJ DY XQLRQVUlWWHQ 'HW lU VnOHGHV DY YLNW YDG

VRP XWJ|U XQLRQVUlWW 'HW NDQ RFNVn QlPQDV DWW EHVWlPPHOVHQ KDU HWW

YLGDUH WLOOlPSQLQJVRPUnGH Gn GHW L VWlOOHW I|U DWW EHJUlQVDV WLOO VDPPD

VWDW JlOOHU ´L XQLRQHQ´

6RP IUDPJnU RYDQ DYVQLWW EHG|PV GH I|UHVODJQD EHVWlP

PHOVHUQD RP VDQNWLRQVDYJLIWHU PRW I\VLVND SHUVRQHU PHG WLOOVWnQG DWW

EHGULYD I|UVlNULQJVGLVWULEXWLRQ LQWH OHGD WLOO DWW I|UIDUDQGHW KRV

)LQDQVLQVSHNWLRQHQ EOLU VWUDIIUlWWVOLJW L (XURSDNRQYHQWLRQHQV PHQLQJ

1lU GHW JlOOHU LQJULSDQGHQ PRW SHUVRQHU L HWW I|UHWDJV OHGQLQJ I|U

I|UHWDJHWV |YHUWUlGHOVH KDU GRFN UHJHULQJHQ WLGLJDUH EHG|PW DWW GHW NDQ

DQWDV DWW GHW NDQ EOL IUnJD RP DQNODJHOVH I|U EURWW RFK VWUDII L

(XURSDNRQYHQWLRQHQV PHQLQJ VH EO D SURS V RFK SURS

V 6DPPD EHG|PQLQJ E|U J|UDV QlU GHW JlOOHU GH

EHVWlPPHOVHU RP LQJULSDQGHQ PRW I\VLVND OHGQLQJVSHUVRQHU VRP I|UHVOnV

L GHQQD SURPHPRULD , VnGDQD VLWXDWLRQHU NDQ GXEEHOSU|YQLQJVI|UEXGHW

GlUPHG DNWXDOLVHUDV 3UREOHPHW PHG GXEEHO ODJI|ULQJ RFK VWUDII EHG|PV

GRFN NXQQD XSSNRPPD HQGDVW L XQGDQWDJVIDOO 6RP IUDPJnU RYDQ NDQ

W H[ HQ |YHUWUlGHOVH DY SHQQLQJWYlWWVODJHQ EOL I|UHPnO I|U HWW DGPLQLV

opaginerad 2PVWlQGLJKHWHU VRP VND YDUD VW\UDQGH YLG EHVOXW RP VDQNWLRQHU Kontrollera mot PDF

WUDWLYW LQJULSDQGH I|U HWW DJHUDQGH VRP XQGHU YLVVD I|UKnOODQGHQ lYHQ NDQ LQQHElUD W H[ QlULQJVSHQQLQJWYlWW HOOHU PHGKMlOS WLOO SHQQLQJWYlWWVEURWW VRP NDQ I|UDQOHGD VWUDIIUlWWVOLJD SnI|OMGHU HQOLJW ODJHQ RP VWUDII I|U SHQQLQJWYlWWVEURWW (WW DQQDW H[HPSHO Sn QlU HQ |YHUWUlGHOVH HQOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW VDPWLGLJW VNXOOH NXQQD YDUD HWW EURWW lU GHQ VLWXDWLRQHQ DWW HQ I|UVlNULQJVI|UPHGODUH KDU InWW VLWW WLOOVWnQG JHQRP DWW OlPQD IDOVND XSSJLIWHU VH DUWLNHO F 6DPPD JlUQLQJ VNXOOH NXQQD XWJ|UD W H[ XUNXQGVI|UIDOVNQLQJ HQOLJW NDS EURWWVEDONHQ

bYHQ RP GHW JnU DWW KLWWD H[HPSHO Sn JlUQLQJDU VRP EnGH XWJ|U EURWW RFK VRP NDQ OLJJD WLOO JUXQG I|U HQ DGPLQLVWUDWLY VDQNWLRQ PRW VDPPD I\VLVND OHGQLQJVSHUVRQ E|U GHW YDUD IUnJD RP XQGDQWDJVIDOO 'HW lU HQ UDG RPVWlQGLJKHWHU VRP VND LQWUlIID I|U DWW GHWWD VND VNH , GH In IDOO VRP GHW DQWDV EOL IUnJD RP QlU GHW JlOOHU DGPLQLVWUDWLYD VDQNWLRQHU PRW I\VLVND OHGQLQJVSHUVRQHU PHG DQOHGQLQJ DY HWW I|UHWDJV |YHUWUlGHOVHU PnVWH GH P\QGLJKHWHU VRP KDQWHUDU lUHQGHW RDYVHWW RP GHW lU )LQDQVLQVSHNWLRQHQ HOOHU UlWWVYnUGDQGH P\QGLJKHWHU KDQGOlJJD lUHQGHW PHG KlQV\Q WLOO UHJOHUQD RP GXEEHOSU|YQLQJVI|UEXGHW %HURHQGH Sn GHQ HQVNLOGD VLWXDWLRQHQ NDQ HQ NRQVHNYHQV DY UHJOHUQD EOL DWW HQ KDQGOlJJQLQJ KRV )LQDQVLQVSHNWLRQHQ L YLVVD IDOO NDQ KLQGUD HQ KDQGOlJJQLQJ KRV DQGUD P\QGLJKHWHU HOOHU WYlUW RP 5HJHULQJHQ KDU L ODJVWLIWQLQJVlUHQGHQ PHG DQOHGQLQJ DY EO D NDSLWDOWlFNQLQJVGLUHNWLYHW I|URUGQLQJHQ RP YlUGHSDSSHUVFHQWUDOHU RFK |SSHQKHWVGLUHNWLYHW EHG|PW DWW GHW I|U GHVVD lUHQGHQ LQWH EHK|YHU LQI|UDV QnJUD VlUVNLOGD UHJOHU I|U KDQGOlJJQLQJHQ VH SURS V SURS V SURS V RFK SURS V ± bYHQ QlU GHW JlOOHU JHQRPI|UDQGHW DY 0L),' ,, L VYHQVN UlWW KDU UHJHULQJHQ JMRUW GHQ EHG|PQLQJHQ RFK XWI|UOLJW UHGRYLVDW KXU GXEEHOSU|YQLQJVI|UEXGHW NDQ SnYHUND KDQGOlJJQLQJHQ KRV EHU|UGD P\QGLJKHWHU VH SURS V ± 'HW ILQQV LQWH VNlO DWW J|UD HQ DQQDQ EHG|PQLQJ L I|UHYDUDQGH ODJVWLIWQLQJVlUHQGH 6DPPDQWDJHW J|UV VnOHGHV EHG|PQLQJHQ DWW GHW LQWH E|U LQI|UDV QnJUD VlUVNLOGD EHVWlPPHOVHU L ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ I|U DWW PRWYHUND ULVNHUQD I|U DWW QnJRQ VND EOL I|UHPnO I|U GXEEOD I|UIDUDQGHQ

2PVWlQGLJKHWHU VRP VND YDUD VW\UDQGH YLG EHVOXW RP VDQNWLRQHU

3URPHPRULDQV I|UVODJ 'HW VND L ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

DQJHV IDNWRUHU VRP VND OLJJD WLOO JUXQG I|U YDOHW DY VDQNWLRQ RFK I|U VDQNWLRQVDYJLIWHQV VWRUOHN

)LQDQVLQVSHNWLRQHQ VND WD KlQV\Q WLOO KXU DOOYDUOLJ |YHUWUlGHOVHQ lU RFK KXU OlQJH GHQ KDU SnJnWW 6lUVNLOG KlQV\Q VND WDV WLOO VNDGRU VRP KDU XSSVWnWW RFK JUDGHQ DY DQVYDU

)LQDQVLQVSHNWLRQHQ VND L I|UVYnUDQGH ULNWQLQJ EHDNWD RP GHQ VRP KDU EHJnWW |YHUWUlGHOVHQ WLGLJDUH KDU JMRUW VLJ VN\OGLJ WLOO |YHUWUlGHOVHU HOOHU RP HQ I\VLVN SHUVRQ L I|UVlNULQJVGLVWULEXW|UHQV OHGQLQJ WLGLJDUH RUVDNDW HQ VnGDQ |YHUWUlGHOVH

, I|UPLOGUDQGH ULNWQLQJ VND GHW EHDNWDV RP GHQ DQVYDULJD SHUVRQHQ

JHQRP HWW DNWLYW VDPDUEHWH L YlVHQWOLJ XWVWUlFNQLQJ KDU XQGHUOlWWDW )LQDQVLQVSHNWLRQHQV XWUHGQLQJ VDPW ± QlU HQ DQPlODQ J|UV XSSJLIWHU

opaginerad 6DQNWLRQVI|UHOlJJDQGH Kontrollera mot PDF

OlPQDV WLOO HOOHU |YHUWUlGHOVHQ SnWDODWV DY )LQDQVLQVSHNWLRQHQ ± I|UVlN ULQJVGLVWULEXW|UHQ XSSK|U HOOHU VQDUDVW XSSK|U PHG |YHUWUlGHOVHQ UHVSHNWLYH RP GHQ I\VLVND SHUVRQHQ L I|UVlNULQJVGLVWULEXW|UHQV OHGQLQJ VQDEEW KDU YHUNDW I|U DWW |YHUWUlGHOVHQ VND XSSK|UD 1lU VDQNWLRQVDYJLIWHQV VWRUOHN IDVWVWlOOV VND KlQV\Q WDV WLOO GH DQJLYQD RPVWlQGLJKHWHUQD VDPW WLOO GHQ ILQDQVLHOOD VWlOOQLQJHQ KRV GHQ VRP KDU EHJnWW |YHUWUlGHOVHQ RFK RP GHW JnU DWW IDVWVWlOOD GHQ YLQVW VRP KDU HUKnOOLWV

6NlOHQ I|U SURPHPRULDQV I|UVODJ $Y I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW I|OMHU DWW QlU GH EHK|ULJD P\QGLJKHWHUQD IDVWVWlOOHU W\SHQ DY RFK QLYnQ Sn DGPLQLVWUDWLYD VDQNWLRQHU HOOHU nWJlUGHU VND PHGOHPV VWDWHUQD VH WLOO DWW GH EHDNWDU DOOD UHOHYDQWD RPVWlQGLJKHWHU DUWLNHO 6RP H[HPSHO Sn RPVWlQGLJKHWHU VRP L WLOOlPSOLJD IDOO VND EHDNWDV DQJHV |YHUWUlGHOVHQV DOOYDUOLJKHW RFK YDUDNWLJKHW GHQ ILQDQVLHOOD VWlOOQLQJHQ I|U GHQ I\VLVND HOOHU MXULGLVND SHUVRQ VRP KnOOV DQVYDULJ RFK I|UOXVWHU I|U WUHGMH PDQ VRP |YHUWUlGHOVHQ YnOODW L GHQ PnQ GHVVD NDQ IDVWVWlOODV 8WJnQJVSXQNWHQ HQOLJW GLUHNWLYHW lU VnOHGHV DWW DOOD UHOHYDQWD RPVWlQGLJ KHWHU VND EHDNWDV YLG EHVWlPPDQGHW DY W\S DY VDQNWLRQ 'HWVDPPD VND JlOOD QlU VDQNWLRQVDYJLIWHQV VWRUOHN EHVWlPV

0RWVYDUDQGH UHJOHU ILQQV L NDSLWDOWlFNQLQJVGLUHNWLYHW DUWLNHO 1lU GHW GLUHNWLYHW JHQRPI|UGHV L VYHQVN UlWW XWWDODGH UHJHULQJHQ DWW GHW I|U DWW IUlPMD I|UXWVHEDUKHWHQ RFK HQKHWOLJKHWHQ L WLOOlPSQLQJHQ DY EH VWlPPHOVHUQD lU ULPOLJW DWW VRP XWJnQJVSXQNW OnWD VDPWOLJD GH L GLUHN WLYHW RPQlPQGD RPVWlQGLJKHWHUQD IUDPJn DY ODJ SURS V (Q VnGDQ ODJUHJOHULQJ E|U YDUD WLOO I|UGHO I|U EnGH WLOOlPSDQGH P\QGLJKHW RFK LQVWLWXWHQ )|U DWW LQWH KLQGUD XWU\PPHW I|U HJQD EHG|P QLQJDU RFK P|MOLJKHWHQ DWW WD KlQV\Q WLOO VlUVNLOGD RPVWlQGLJKHWHU L GHW HQVNLOGD IDOOHW E|U GRFN ODJWH[WHQ XWJ|UD HQ H[HPSOLILHUDQGH XSSUlNQLQJ DY YLOND RPVWlQGLJKHWHU VRP VND EHDNWDV

'HW ILQQV LQWH VNlO DWW J|UD HQ DQQDQ EHG|PQLQJ L I|UHYDUDQGH ODJVWLIW QLQJVlUHQGH )|U DWW L VYHQVN UlWW JHQRPI|UD PRWVYDUDQGH UHJOHU L I|UVlN ULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO E|U GHW L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ LQI|UDV HQ H[HPSOLILHUDQGH XSSUlNQLQJ DY RPVWlQGLJKHWHU VRP VND EHDNWDV YLG YDOHW DY VDQNWLRQ RFK YLG EHVWlP PDQGHW DY VDQNWLRQVDYJLIWHQV VWRUOHN

6DQNWLRQVI|UHOlJJDQGH

3URPHPRULDQV I|UVODJ )UnJRU RP LQJULSDQGHQ PRW OHGQLQJVSHUVRQHU YLG |YHUWUlGHOVHU IUnQ I|UVlNULQJVGLVWULEXW|UHQV VLGD VND SU|YDV JHQRP VDQNWLRQVI|UHOlJJDQGH

, ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ VND GHW DQJHV YLOND XSSJLIWHU HWW VnGDQW I|UHOlJJDQGH VND LQQHKnOOD

2P HWW VDQNWLRQVI|UHOlJJDQGH LQWH KDU JRGNlQWV LQRP XWVDWW WLG VND )LQDQVLQVSHNWLRQHQ In DQV|ND KRV DOOPlQ I|UYDOWQLQJVGRPVWRO RP DWW VDQNWLRQ VND EHVOXWDV (Q VnGDQ DQV|NDQ VND J|UDV KRV GHQ I|UYDOW QLQJVUlWW VRP lU EHK|ULJ DWW SU|YD HWW |YHUNODJDQGH DY )LQDQVLQVSHN WLRQHQV EHVOXW RP LQJULSDQGH PRW I|UVlNULQJVGLVWULEXW|UHQ

3U|YQLQJVWLOOVWnQG VND NUlYDV YLG |YHUNODJDQGH WLOO NDPPDUUlWWHQ

opaginerad WUlGHOVHQ lJGH UXP Kontrollera mot PDF

(Q VDQNWLRQ VND In EHVOXWDV EDUD RP GHQ VRP VDQNWLRQHQ ULNWDV PRW

KDU GHOJHWWV VDQNWLRQVI|UHOlJJDQGH LQRP WYn nU IUnQ GHW DWW |YHU

WUlGHOVHQ lJGH UXP

6NlOHQ I|U SURPHPRULDQV I|UVODJ $GPLQLVWUDWLYD VDQNWLRQHU VND VRP UHGRYLVDV L DYVQLWWHQ RFK NXQQD ULNWDV LQWH EDUD PRW MXULGLVND RFK I\VLVND SHUVRQHU PHG WLOOVWnQG DWW EHGULYD I|UVlNULQJVGLVWULEXWLRQ XWDQ lYHQ PRW I\VLVND SHUVRQHU L I|UVlNULQJVGLVWUL EXW|UHUV OHGQLQJ )|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW OlPQDU WLOO PHGOHPV VWDWHUQD DWW XWIRUPD I|UIDUDQGHW YLG EHVOXW RP VDQNWLRQHU 3n OLNQDQGH VlWW I|UKnOOHU GHW VLJ PHG DQGUD (8 GLUHNWLY Sn ILQDQVPDUNQDGVRPUnGHW W H[ NDSLWDOWlFNQLQJVGLUHNWLYHW 9LG JHQRPI|UDQGHW DY GHW GLUHNWLYHW LQI|UGHV EHVWlPPHOVHU L ODJHQ RP EDQN RFK ILQDQVLHULQJVU|UHOVH HQOLJW YLOND VDQNWLRQHU PRW I\VLVND SHUVRQHU L HWW LQVWLWXWV OHGQLQJ VND SU|YDV JHQRP HWW VDQNWLRQVI|UHOlJJDQGHI|UIDUDQGH )|UIDUDQGHW PHG HWW LQOHGDQGH VDQN WLRQVI|UHOlJJDQGH NDQ VlJDV XWJ|UD HWW PHOODQWLQJ DY GRPVWROV RFK I|UYDOWQLQJVP\QGLJKHWVEHVOXW ,QI|UDQGHW DY EHVWlPPHOVHU RP VDQNWLRQV I|UHOlJJDQGHQ PRWLYHUDGHV PHG DWW UDPDUQD I|U EHVOXWVI|UIDUDQGHW E|U VlWWDV XWLIUnQ UlWWVVlNHUKHWVDVSHNWHU 'lUXW|YHU E|U KlQV\Q WDV WLOO UnGDQGH UlWWVWUDGLWLRQ QlU GHW JlOOHU YLOND XSSJLIWHU VRP VYHQVND I|UYDOW QLQJVP\QGLJKHWHU QRUPDOW DQVYDUDU I|U SURS V

,QJULSDQGHQ PRW I\VLVND SHUVRQHU I|U LQVWLWXWV |YHUWUlGHOVHU HQOLJW ODJHQ RP EDQN RFK ILQDQVLHULQJVU|UHOVH SU|YDV VnOHGHV DY )LQDQV LQVSHNWLRQHQ JHQRP VDQNWLRQVI|UHOlJJDQGH VRP RP GHW JRGNlQQV EOLU DWW MlPVWlOOD PHG HQ GRP VRP InWW ODJD NUDIW ,QJULSDQGHQ PRW OHGQLQJVSHUVRQHU HQOLJW ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ lU L DOOW YlVHQWOLJW DY VDPPD NDUDNWlU VRP PRWVYDUDQGH LQJULSDQGHQ HQOLJW ODJHQ RP EDQN RFK ILQDQVLHULQJVU|UHOVH , SU|YQLQJHQ LQJnU EHG|PQLQJDU DY VXEMHNWLYD UHNYLVLW RFK GHW EOLU VDQQROLNW DNWXHOOW DWW WD VWlOOQLQJ WLOO NRPSOLFHUDGH KlQGHOVHI|UORSS VDPW PHU HOOHU PLQGUH RPIDWWDQGH XWUHGQLQJVPDWHULDO RFK EHYLVQLQJ 'HVVXWRP lU GHW IUnJD RP DWW SnI|UD K|JD VDQNWLRQVDYJLIWHU 5HJHULQJHQ DQVHU GlUI|U DWW GHW ILQQV |YHUYlJDQGH VNlO VRP WDODU I|U DWW SU|YQLQJHQ DY VDQNWLRQHU PRW I\VLVND SHUVRQHU I|U HWW LQVWLWXWV |YHUWUlGHOVHU E|U VNH L GRPVWRO RFK LQWH KRV I|UYDOWQLQJVP\QGLJKHW MIU VDPPD SURS V *HQRP HWW I|UIDUDQGH PHG VDQNWLRQVI|UHOlJJDQGH NRPELQHUDV I|UGHODUQD PHG DWW NXQQD DQYlQGD GRPVWRODUQDV SURFHVV I|U EHYLVI|ULQJ PHG GHW VQDEEDUH I|UIDUDQGH VRP HWW EHVOXW DY )LQDQVLQVSHNWLRQHQ LQQHElU 'HQ NRPSHWHQV RP ILQDQVPDUNQDGHQ VRP ILQQV KRV )LQDQVLQVSHNWLRQHQ NRPPHU WLOO VLQ UlWW RFK Sn VDPPD VlWW VRP QlU ELQGDQGH EHVOXW IDWWDV NDQ LQVSHNWLRQHQ XWIRUPD UlWWVELOGDQGH SUD[LV (Q RUGQLQJ PHG VDQNWLRQVI|UHOlJJDQGH lU GlUI|U DWW I|UHGUD QlU GHW JlOOHU |YHUWUlGHOVHlUHQGHQ PRW I\VLVND SHUVRQHU L I|UHWDJHQV OHGQLQJVRUJDQ %HVWlPPHOVHU RP VDQNWLRQVI|UHOlJJDQGHQ YLG LQJULSDQGH PRW OHGQLQJVSHUVRQHU E|U PRW EDNJUXQG DY GHW DQI|UGD I|UDV LQ lYHQ L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

'HW VDNQDV DQOHGQLQJ DWW I|U VDQNWLRQVDYJLIWHU VRP EHVOXWDV HQOLJW ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ DYYLND IUnQ GH SULQFLSHU VRP DQJHV L

ODJHQ RP EDQN RFK ILQDQVLHULQJVU|UHOVH , ODJHQ RP I|UVlNULQJV

GLVWULEXWLRQ E|U GlUI|U I|UDV LQ EHVWlPPHOVHU RP VDQNWLRQVI|UHOlJJDQGHQ

HIWHU I|UHELOG DY PRWVYDUDQGH EHVWlPPHOVHU L GHQ ODJHQ NDS D±

G †† 'HW DQI|UGD LQQHElU EO D DWW )LQDQVLQVSHNWLRQHQV EHVOXW RP

opaginerad WUlGHOVHQ lJGH UXP Kontrollera mot PDF

VDQNWLRQVI|UHOlJJDQGH LQWH KHOOHU HQOLJW ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

VND NXQQD |YHUNODJDV VH YLGDUH DYVQLWW

9HUNVWlOOLJKHW DY EHVOXW RP VDQNWLRQVDYJLIW HOOHU I|UVHQLQJVDYJLIW

3URPHPRULDQV I|UVODJ %HVWlPPHOVHUQD L ODJHQ RP I|UVlNULQJV I|UPHGOLQJ RP YHUNVWlOOLJKHW DY EHVOXW RP VDQNWLRQVDYJLIW HOOHU I|UVHQLQJVDYJLIW VND I|UDV |YHU WLOO ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

6NlOHQ I|U SURPHPRULDQV I|UVODJ , ODJHQ RP I|UVlNULQJVI|UPHGOLQJ ILQQV EHVWlPPHOVHU RP YHUNVWlOOLJKHW DY VWUDIIDYJLIWHU RFK I|UVHQLQJV DYJLIWHU VRP )LQDQVLQVSHNWLRQHQ EHVOXWDW RP NDS ± †† $Y GHVVD I|OMHU DWW HQ DYJLIW VND EHWDODV WLOO )LQDQVLQVSHNWLRQHQ LQRP WUHWWLR GDJDU IUnQ GHW DWW EHVOXWHW ILFN ODJD NUDIW HOOHU GHQ OlQJUH WLG VRP DQJHV L EH VOXWHW %HVOXW RP DYJLIWHU VRP InWW ODJD NUDIW InU GlUHIWHU YHUNVWlOODV XWDQ I|UHJnHQGH GRP HOOHU XWVODJ , JlOODQGH UlWW ILQQV RFNVn EHVWlPPHOVHU RP LQGULYQLQJ RFK SUHVNULSWLRQ

%HVWlPPHOVHU DY PRWVYDUDQGH LQQHKnOO E|U ILQQDV lYHQ L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ 'H E|U DQSDVVDV WLOO GHQ Q\D ODJHQV LQQHKnOO L |YULJW JHQRP DWW RPIDWWD VDQNWLRQVDYJLIWHU VRP EHVOXWDWV JHQRP I|U IDUDQGHW PHG VDQNWLRQVI|UHOlJJDQGH RFK JHQRP DWW DYVH VDQNWLRQVDY JLIWHU RFK LQWH VWUDIIDYJLIWHU 'HQ VLVWQlPQGD WHUPHQ XWP|QVWUDV VH DYVQLWW

)|UHOlJJDQGH PRW I|UVlNULQJVGLVWULEXW|UHU VRP DQYlQGHU VLJ DY I|UPHGODUH VRP VDNQDU WLOOVWnQG HOOHU UHJLVWUHULQJ

3URPHPRULDQV I|UVODJ %HVWlPPHOVHQ L ODJHQ RP I|UVlNULQJV

I|UPHGOLQJ RP DWW I|UVlNULQJVI|UHWDJ LQWH InU DQYlQGD VLJ DY REHK|ULJD

I|UVlNULQJVI|UPHGODUH VND I|UDV |YHU L KXYXGVDN RI|UlQGUDG WLOO ODJHQ

RP I|UVlNULQJVGLVWULEXWLRQ %HVWlPPHOVHQ VND XWYLGJDV WLOO DWW RPIDWWD

I|UVlNULQJVGLVWULEXW|UHU RFK ((6 I|UVlNULQJVJLYDUH RFK I|UVlNULQJV

JLYDUH IUnQ WUHGMHODQG VRP EHGULYHU YHUNVDPKHW L 6YHULJH

6NlOHQ I|U SURPHPRULDQV I|UVODJ /DJHQ RP I|UVlNULQJVI|UPHGOLQJ LQQHKnOOHU HQ EHVWlPPHOVH RP DWW HWW I|UVlNULQJVI|UHWDJ I|U I|UPHGOLQJ DY I|UVlNULQJDU LQWH InU XWQ\WWMD QnJRQ VRP LQWH lU EHUlWWLJDG DWW XW|YD I|UVlNULQJVI|UPHGOLQJ NDS † )|UVlNULQJVI|UHWDJ InU HQOLJW GHQ EHVWlPPHOVHQ LQWH KHOOHU I|U I|UPHGOLQJ XWQ\WWMD QnJRQ VRP LQWH lU EHUlWWLJDG DWW I|UPHGOD VnGDQD I|UVlNULQJDU VRP I|UPHGOLQJHQ DYVHU 2P GHWWD VNHU VND )LQDQVLQVSHNWLRQHQ I|UHOlJJD I|UVlNULQJVI|UHWDJHW DWW XSS K|UD PHG GHWWD

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW LQQHKnOOHU HWW NUDY Sn DWW PHGOHPV VWDWHUQD VND VH WLOO DWW I|UVlNULQJVI|UHWDJ RFK I|UVlNULQJVI|UPHGODUH QlU GH XWQ\WWMDU WMlQVWHU IUnQ I|UVlNULQJVI|UPHGODUH HOOHU VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH HQGDVW XWQ\WWMDU VnGDQD I|UVlNULQJVGLVWULEXWLRQV WMlQVWHU VRP WLOOKDQGDKnOOV DY UHJLVWUHUDGH I|UVlNULQJVI|UPHGODUH HOOHU

opaginerad ,QJULSDQGH PRW ((6 I|UVlNULQJVI|UPHGODUH Kontrollera mot PDF

VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH DUWLNHO (QOLJW GLUHNWLYHW VND PHGOHPVVWDWHUQD LQJULSD PHG VDQNWLRQHU RP HQ I|UVlNULQJVGLVWULEXW|U DQYlQGHU HQ RUHJLVWUHUDG SHUVRQV I|UVlNULQJVGLVWULEXWLRQVWMlQVWHU DUWLNHO E 'HVVD NUDY L GLUHNWLYHW E|U JHQRPI|UDV L VYHQVN UlWW Sn Vn VlWW DWW GHW L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ WDV LQ HQ EHVWlPPHOVH VRP L DOOW YlVHQWOLJW PRWVYDUDU GHQ VRP ILQQV L ODJHQ RP I|UVlNULQJV I|UPHGOLQJ %HVWlPPHOVHQ E|U GRFN MXVWHUDV Vn DWW GHQ lYHQ JHU )LQDQVLQVSHNWLRQHQ P|MOLJKHW DWW I|UHOlJJD ((6 I|UVlNULQJVJLYDUH RFK I|UVlNULQJVJLYDUH IUnQ WUHGMHODQG VRP EHGULYHU YHUNVDPKHW L 6YHULJH DWW XSSK|UD PHG DQYlQGDQGHW DY REHK|ULJD I|UVlNULQJVGLVWULEXW|UHU 3n Vn VlWW InU )LQDQVLQVSHNWLRQHQ P|MOLJKHW DWW I|UKLQGUD DWW DOOD VODJV I|UVlN ULQJVGLVWULEXW|UHU RFK I|UVlNULQJVJLYDUH VRP lU YHUNVDPPD Sn GHQ VYHQVND PDUNQDGHQ DQYlQGHU VLJ DY REHK|ULJD I|UVlNULQJVGLVWULEXW|UHU

,QJULSDQGH PRW ((6 I|UVlNULQJVI|UPHGODUH

3URPHPRULDQV I|UVODJ 2P HQ ((6 I|UVlNULQJVI|UPHGODUH VRP EH GULYHU YHUNVDPKHW L 6YHULJH PHG VW|G DY HWDEOHULQJVIULKHWHQ KDU nVLGR VDWW VLQD VN\OGLJKHWHU HQOLJW XSSI|UDQGHUHJOHUQD L ODJHQ RP I|UVlN ULQJVGLVWULEXWLRQ VND )LQDQVLQVSHNWLRQHQ LQJULSD )LQDQVLQVSHNWLRQHQ VND In I|UHOlJJD ((6 I|UVlNULQJVI|UPHGODUHQ DWW J|UD UlWWHOVH 2P UlWWHOVH LQWH VNHU VND )LQDQVLQVSHNWLRQHQ In I|UEMXGD ((6 I|UVlN ULQJVI|UPHGODUHQ DWW EHGULYD I|UVlNULQJVGLVWULEXWLRQ KlU L ODQGHW

2P HQ VnGDQ ((6 I|UVlNULQJVI|UPHGODUH Sn QnJRW DQQDW VlWW KDU nVLGRVDWW VLQD VN\OGLJKHWHU KlU L ODQGHW VND )LQDQVLQVSHNWLRQHQ In EHJlUD DWW GHQ EHK|ULJD P\QGLJKHWHQ L ((6 I|UVlNULQJVI|UPHGODUHQV KHPODQG VND YLGWD nWJlUGHU PRW I|UPHGODUHQ )LQDQVLQVSHNWLRQHQ VND RFNVn In KlQVNMXWD lUHQGHW WLOO (XURSHLVND I|UVlNULQJV RFK WMlQVWH SHQVLRQVP\QGLJKHWHQ 'HWVDPPD JlOOHU RP HQ ((6 I|UVlNULQJV I|UPHGODUH VRP EHGULYHU YHUNVDPKHW L 6YHULJH PHG VW|G DY IULKHWHQ DWW WLOOKDQGDKnOOD WMlQVWHU KDU nVLGRVDWW VLQD VN\OGLJKHWHU KlU L ODQGHW

, I|OMDQGH WUH VLWXDWLRQHU VND )LQDQVLQVSHNWLRQHQ In I|UHOlJJD ((6 I|UVlNULQJVI|UPHGODUH DWW J|UD UlWWHOVH

2P GHQ EHK|ULJD P\QGLJKHWHQ L I|UPHGODUHQV KHPODQG HIWHU HQ EHJlUDQ DY )LQDQVLQVSHNWLRQHQ LQWH LQJULSHU HOOHU RP LQJULSDQGHW YLVDU VLJ YDUD RWLOOUlFNOLJW

2P |YHUWUlGHOVHQ DYVHU HQ EHVWlPPHOVH VRP VND DQVHV KD VlU VNLOG EHW\GHOVH I|U NRQVXPHQWVN\GGHW HOOHU QnJRW DQQDW VN\GGDW DOOPlQLQWUHVVH RFK HWW RPHGHOEDUW LQJULSDQGH NUlYV

2P I|UPHGODUHQV YHUNVDPKHW DOOYDUOLJW VNDGDU NRQVXPHQWVN\GGHW L DOOPlQKHW RFK RP I|UPHGODUHQ NDQ DQWDV KD KHPYLVW L HWW DQQDW ODQG LQRP ((6 HQGDVW L V\IWH DWW NULQJJn UHJOHU VRP JlOOHU I|U XW|YDQGH DY I|UVlNULQJVGLVWULEXWLRQ KlU L ODQGHW

2P UlWWHOVH LQWH VNHU VND )LQDQVLQVSHNWLRQHQ In I|UEMXGD ((6 I|UVlNULQJVI|UPHGODUHQ DWW EHGULYD I|UVlNULQJVGLVWULEXWLRQ KlU L ODQGHW %HVWlPPHOVHU RP DWW )LQDQVLQVSHNWLRQHQ VND LQIRUPHUD EHK|ULJ P\QGLJKHW L ((6 I|UVlNULQJVI|UPHGODUHQV KHPODQG (XURSHLVND NRP PLVVLRQHQ RFK (XURSHLVND I|UVlNULQJV RFK WMlQVWHSHQVLRQVP\Q GLJKHWHQ RP nWJlUGHU VRP YLGWDV PRW HQ ((6 I|UVlNULQJVI|UPHGODUH

opaginerad VND WDV LQ L GHQ Q\D ODJHQ , YLVVD IDOO VND )LQDQVLQVSHNWLRQHQ LQIRUPHUD LQQDQ nWJlUGHU YLGWDV Kontrollera mot PDF

VND WDV LQ L GHQ Q\D ODJHQ , YLVVD IDOO VND )LQDQVLQVSHNWLRQHQ LQIRUPHUD LQQDQ nWJlUGHU YLGWDV

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU PHGGHOD I|UHVNULIWHU RP YLOND I|UIDWWQLQJDU VRP VND DQVHV KD VlUVNLOG EHW\GHOVH I|U NRQVXPHQWVN\GGHW HOOHU QnJRW DQQDW VN\GGDW DOOPlQ LQWUHVVH

3URPHPRULDQV EHG|PQLQJ 6N\OGLJKHWHQ L I|UVlNULQJVGLVWULEX WLRQVGLUHNWLYHW I|U PHGOHPVVWDWHUQD DWW RIIHQWOLJJ|UD QDWLRQHOOD EHVWlPPHOVHU I|U DWW VN\GGD DOOPlQLQWUHVVHW RFK GlUPHG VDP PDQKlQJDQGH VN\OGLJKHWHU E|U JHQRPI|UDV JHQRP I|UHVNULIWHU Sn I|URUGQLQJVQLYn

6NlOHQ I|U SURPHPRULDQV I|UVODJ RFK EHG|PQLQJ

Ingripande i vissa fall mot EES-försäkringsförmedlare som bedriver verksamhet med stöd av etableringsfriheten

5HJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RP LQJULSDQGH PRW ((6 I|UVlNULQJVI|UPHGODUH VNLOMHU VLJ GHOYLV nW EHURHQGH Sn RP I|UPHGODUHQ EHGULYHU YHUNVDPKHW L 6YHULJH PHG VW|G DY HWDEOHULQJVIULKHWHQ HOOHU IUL KHWHQ DWW WLOOKDQGDKnOOD WMlQVWHU VH DUWLNODUQD RFK 1lU GHW JlOOHU LQJULSDQGHQ YLG XW|YDQGH DY HWDEOHULQJVIULKHWHQ VND GHQ EHK|ULJD P\QGLJKHWHQ L YlUGODQGHW YLGWD OlPSOLJD nWJlUGHU RP HQ I|UVlNULQJV I|UPHGODUH |YHUWUlGHU VnGDQD ODJDU HOOHU DQGUD I|UIDWWQLQJDU VRP JHQRPI|U UHJOHUQD L NDSLWOHQ 9 RFK 9, L GLUHNWLYHW DUWLNHO (QOLJW GHQ HQJHOVND VSUnNYHUVLRQHQ DY GLUHNWLYHW KDU GHQ EHK|ULJD P\QGLJKHWHQ L YlUGODQGHW UlWW DWW YLGWD OlPSOLJD nWJlUGHU ´WDNH DSSURSULDWH PHD VXUHV´ , GHQ VYHQVND VSUnNYHUVLRQHQ DY GLUHNWLYHW DQJHV GlUHPRW ´I|UHVOn Q|GYlQGLJD nWJlUGHU´ $Y GHQ HQJHOVND VSUnNYHUVLRQHQ DY GLUHN WLYHW IUDPJnU GHW DWW GHW lU YLGWDJDQGH DY nWJlUGHU VRP DYVHV )|UVlN ULQJVGLVWULEXWLRQVGLUHNWLYHWV UHJOHU L QX QlPQGD DYVHHQGHQ E|U JHQRP I|UDV L VYHQVN UlWW L EHVWlPPHOVHU RP LQJULSDQGHQ PRW ((6 I|UVlNULQJVI|UPHGODUH L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ 'HQ Q\D ODJHQ E|U LQQHKnOOD HQ VlUVNLOG EHVWlPPHOVH RP LQJULSDQGH GLUHNW PRW HQ ((6 I|UVlNULQJVI|UPHGODUH VRP EHGULYHU YHUNVDPKHW L 6YHULJH PHG VW|G DY HWDEOHULQJVIULKHWHQ (WW VnGDQW LQJULSDQGH E|U EHVWn DY I|UHOlJJDQGH RP DWW J|UD UlWWHOVH RFK \WWHUVW HWW I|UEXG I|U ((6 I|UVlNULQJVI|UPHGODUHQ DWW EHGULYD I|UVlNULQJVGLVWULEXWLRQ L 6YHULJH , EHVWlPPHOVHQ E|U lYHQ DQJHV DWW )LQDQVLQVSHNWLRQHQ lU VN\OGLJ DWW XQGHUUlWWD EHK|ULJ P\QGLJKHW L ((6 I|UVlNULQJVI|UPHGODUHQV KHPODQG (XURSHLVND NRPPLVVLRQHQ RFK (LRSD RP YLOND nWJlUGHU VRP YLGWDV

Ingripande mot EES-försäkringsförmedlare

2P GHQ EHK|ULJD P\QGLJKHWHQ L YlUGODQGHW KDU VNlO DWW DQVH DWW HQ ((6 I|UVlNULQJVI|UPHGODUH VRP EHGULYHU YHUNVDPKHW PHG VW|G DY HWDEOHULQJV IULKHWHQ |YHUWUlGHU QnJRQ DQQDQ DY GH VN\OGLJKHWHU VRP DQJHV L I|UVlN ULQJVGLVWULEXWLRQVGLUHNWLYHW lQ UHJOHUQD L NDSLWOHQ 9 RFK 9, VND GHQ XQGHUUlWWD GHQ EHK|ULJD P\QGLJKHWHQ L KHPODQGHW RP GHWWD DUWLNHO 6n lU lYHQ IDOOHW RP GHQ EHK|ULJD P\QGLJKHWHQ L YlUGODQGHW KDU VNlO DWW DQVH DWW HQ ((6 I|UVlNULQJVI|UPHGODUH VRP EHGULYHU YHUNVDPKHW PHG

opaginerad 5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU E|U In Kontrollera mot PDF

VW|G DY IULKHWHQ DWW WLOOKDQGDKnOOD WMlQVWHU XQGHUOnWHU DWW IXOOJ|UD QnJRQ DY GH VN\OGLJKHWHU VRP IDVWVWlOOV L GLUHNWLYHW DUWLNHO I|UVWD VW\FNHW

, GH IDOO VRP GHQ EHK|ULJD P\QGLJKHWHQ L YlUGODQGHW VND XQGHUUlWWD GHQ EHK|ULJD P\QGLJKHWHQ L KHPODQGHW RP |YHUWUlGHOVHU lU GHW GHQ VHQDUH EHK|ULJD P\QGLJKHWHQ VRP SULPlUW KDU DWW LQJULSD PRW I|UVlNULQJV I|UPHGODUHQ DUWLNODUQD DQGUD VW\FNHW RFK 'HW lU I|UVW RP GH nWJlUGHU VRP YLGWDJLWV DY KHPODQGVP\QGLJKHWHQ YLVDW VLJ YDUD RWLOOUlFNOLJD HOOHU RP GHQ P\QGLJKHWHQ LQWH YLGWDU QnJUD nWJlUGHU VRP GHQ EHK|ULJD P\QGLJKHWHQ L YlUGODQGHW HIWHU DWW KD LQIRUPHUDW GHQ EHK|ULJD P\QGLJKHWHQ L KHPODQGHW InU YLGWD nWJlUGHU PRW I|UVlNULQJV I|UPHGODUHQ LQEHJULSHW DWW KLQGUD I|UPHGODUHQ IUnQ DWW IRUWVlWWD EHGULYD YHUNVDPKHW L GHW ODQGHW DUWLNODUQD WUHGMH VW\FNHW RFK I|UVWD VW\FNHW (Q I|UXWVlWWQLQJ I|U HWW VnGDQW LQJULSDQGH lU DWW I|UVlNULQJV I|UPHGODUHQ DJHUDU Sn HWW VlWW VRP W\GOLJW VNDGDU LQWUHVVHQD I|U YlUGODQGHWV NRQVXPHQWHU L VWRUW HOOHU KLQGUDU I|UVlNULQJVPDUNQDGHQ IUnQ DWW IXQJHUD YlO 'HQ EHK|ULJD P\QGLJKHWHQ L YlUGODQGHW NDQ RFNVn YlOMD DWW KlQVNMXWD lUHQGHW WLOO (LRSD RFK EHJlUD GHVV ELWUlGH DUWLNODUQD IMlUGH VW\FNHW RFK WUHGMH VW\FNHW

, YLVVD IDOO NDQ HQ EHK|ULJ P\QGLJKHW L HQ YlUGODQGHW LQJULSD GLUHNW PRW HQ ((6 I|UVlNULQJVI|UPHGODUH VRP EHGULYHU YHUNVDPKHW LQRP GHVV WHUULWRULXP 2P HQ RPHGHOEDU nWJlUG NUlYV I|U DWW VN\GGD NRQVX PHQWHUQDV UlWWLJKHWHU InU Q|GYlQGLJD nWJlUGHU YLGWDV DUWLNODUQD RFK 'LUHNWLYHW lU LQWH DYVHWW DWW SnYHUND P|MOLJKHWHUQD I|U YlUGODQGHW DWW YLGWD Q|GYlQGLJD RFK LFNH GLVNULPLQHUDQGH nWJlUGHU I|U DWW LQRP VLWW WHUULWRULXP LQJULSD PRW |YHUWUlGHOVHU VRP LQWH lU I|UHQOLJD PHG GH UlWWVOLJD EHVWlPPHOVHU I|U DWW VN\GGD DOOPlQLQWUHVVHW VRP lU WLOOlPSOLJD Sn I|UVlNULQJVGLVWULEXW|UHU LQRP GHUDV WHUULWRULHU DUWLNHO 'HW ILQQV Gn P|MOLJKHW DWW KLQGUD HQ I|UVlNULQJVI|UPHGODUH IUnQ DWW EHGULYD Q\ YHUN VDPKHW L YlUGODQGHW 0HGOHPVVWDWHUQD VND VlNHUVWlOOD DWW GHUDV EHK|ULJD P\QGLJKHWHU Sn OlPSOLJW VlWW RIIHQWOLJJ|U GH UHOHYDQWD QDWLRQHOOD EHVWlPPHOVHU I|U DWW VN\GGD DOOPlQLQWUHVVHW VRP lU WLOOlPSOLJD Sn I|UVlNULQJVGLVWULEXW|UHU LQRP GHUDV WHUULWRULHU DUWLNHO (WW GLUHNW LQJULSDQGH PRW HQ ((6 I|UVlNULQJVI|UPHGODUH NDQ RFNVn NRPPD L IUnJD RP YHUNVDPKHWHQ KHOW HOOHU KXYXGVDNOLJHQ lU LQULNWDG Sn YlUGODQGHWV WHUULWRULXP PHG HQGD V\IWH DWW NULQJJn GH UlWWVOLJD EHVWlPPHOVHU VRP VNXOOH YDUD WLOOlPSOLJD RP GHQ EHU|UGD I|UPHGODUHQ KDGH VLQ KHPYLVW HOOHU VLWW VlWH L YlUGODQGHW RFK RP GHVV YHUNVDPKHW GHVVXWRP DOOYDUOLJW KRWDU I|UVlNULQJVPDUNQDGHUQDV VlWW DWW IXQJHUD PHG DYVHHQGH Sn NRQVXPHQWVN\GGHW DUWLNHO

'H QlPQGD UHJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW E|U JHQRP I|UDV L VYHQVN UlWW L EHVWlPPHOVHU RP LQJULSDQGHQ PRW ((6 I|UVlNULQJV I|UPHGODUH L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ 'HVVD EHVWlP PHOVHU E|U RPIDWWD ((6 I|UVlNULQJVI|UPHGODUH VRP EHGULYHU YHUNVDPKHW KlU L ODQGHW VnYlO PHG VW|G DY HWDEOHULQJVIULKHWHQ VRP IULKHWHQ DWW WLOO KDQGDKnOOD WMlQVWHU 'lUXW|YHU E|U GHW WDV LQ EHVWlPPHOVHU RP L YLOND IDOO )LQDQVLQVSHNWLRQHQ KDU P|MOLJKHW DWW LQJULSD GLUHNW PRW HQ VnGDQ ((6 I|UVlNULQJVI|UPHGODUH 6nGDQD LQJULSDQGHQ E|U EHVWn DY I|UHOlJJDQGH RP DWW J|UD UlWWHOVH RFK I|UEXG I|U ((6 I|UVlNULQJVI|UPHGODUHQ DWW EHGULYD I|UVlNULQJVGLVWULEXWLRQ L 6YHULJH

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU E|U In

PHGGHOD I|UHVNULIWHU RP YLOND EHVWlPPHOVHU VRP VND DQVHV KD VlUVNLOG

opaginerad ,QJULSDQGHQ YLG HQ |YHUHQVNRPPHOVH RP |YHUI|ULQJ DY WLOOV\QVDQVYDU Kontrollera mot PDF

EHW\GHOVH I|U NRQVXPHQWVN\GGHW HOOHU QnJRW DQQDW VN\GGDW DOOPlQ LQWUHVVH 6RP QlPQV RYDQ VWlOOHU I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW XSS HWW NUDY Sn DWW PHGOHPVVWDWHUQD VND VH WLOO DWW GHQ EHK|ULJD P\QGLJKHWHQ RIIHQWOLJJ|U GH UHOHYDQWD QDWLRQHOOD EHVWlPPHOVHU I|U DWW VN\GGD DOOPlQ LQWUHVVHW VRP lU WLOOlPSOLJD Sn GHQ VRP EHGULYHU I|UVlNULQJVGLVWULEXWLRQ Sn PHGOHPVVWDWHQV WHUULWRULXP DUWLNHO 'HWWD JlOOHU lYHQ LQIRUPD WLRQ RP KXUXYLGD RFK KXU PHGOHPVVWDWHQ KDU YDOW DWW WLOOlPSD VWUlQJDUH EHVWlPPHOVHU lQ GH VRP DQJHV L GLUHNWLYHW DUWLNHO 0HGOHPV VWDWHUQD VND LQUlWWD HQ HQGD NRQWDNWSXQNW VRP VND DQVYDUD I|U WLOOKDQGD KnOODQGHW DY LQIRUPDWLRQ RP EHVWlPPHOVHU I|U DWW VN\GGD DOOPlQLQWUHVVHW (Q OlPSOLJ EHK|ULJ P\QGLJKHW E|U XWJ|UD HQ VnGDQ NRQWDNWSXQNW DUWLNHO 8WLIUnQ GLUHNWLYHWV XWIRUPQLQJ IUDPVWnU GHW VRP OlPSOLJW DWW GHVVD NUDY JHQRPI|UV JHQRP I|UHVNULIWHU Sn I|URUGQLQJVQLYn

,QJULSDQGHQ YLG HQ |YHUHQVNRPPHOVH RP |YHUI|ULQJ DY WLOOV\QVDQVYDU

3URPHPRULDQV I|UVODJ 2P )LQDQVLQVSHNWLRQHQ HQOLJW HQ |YHUHQV NRPPHOVH PHG HQ EHK|ULJ P\QGLJKHW L HWW DQQDW ODQG LQRP ((6 KDU WDJLW |YHU DQVYDUHW I|U WLOOV\QHQ DY HQ ((6 I|UVlNULQJVI|UPHGODUH VRP KDU VLWW KXYXGVDNOLJD YHUNVDPKHWVVWlOOH L 6YHULJH VND )LQDQVLQVSHN WLRQHQ In LQJULSD PRW |YHUWUlGHOVHU DY EHVWlPPHOVHUQD RP I|UXWVlWW QLQJDU I|U WLOOVWnQG NXQVNDSVNUDY RFK XSSI|UDQGH RFK I|UHVNULIWHU VRP PHGGHODWV DYVHHQGH GHVVD EHVWlPPHOVHU RP |YHUWUlGHOVHUQD DYVHU YHUNVDPKHWHQ VRP EHGULYV L 6YHULJH

)LQDQVLQVSHNWLRQHQ VND Gn XWIlUGD HWW I|UHOlJJDQGH DWW J|UD UlWWHOVH LQRP HQ YLVV WLG HWW I|UEXG DWW YHUNVWlOOD EHVOXW HOOHU HQ DQPlUNQLQJ 2P |YHUWUlGHOVHQ lU DOOYDUOLJ VND )LQDQVLQVSHNWLRQHQ I|UEMXGD ((6 I|UVlNULQJVI|UPHGODUHQ DWW EHGULYD I|UVlNULQJVGLVWULEXWLRQ KlU L ODQGHW HOOHU RP GHW lU WLOOUlFNOLJW PHGGHOD HQ YDUQLQJ

2P YHUNVDPKHWHQ L 6YHULJH EHGULYV L HQ ILOLDO VND )LQDQVLQVSHN WLRQHQ NXQQD LQJULSD PRW ILOLDOHQV YHUNVWlOODQGH GLUHNW|U I|U YLVVD |YHUWUlGHOVHU VRP ILOLDOHQ EHIXQQLWV DQVYDULJ I|U ,QJULSDQGH VND NXQQD VNH Sn VDPPD VlWW RFK HQOLJW VDPPD I|UIDUDQGH VRP I|U OHGQLQJV SHUVRQHU L HQ I|UVlNULQJVGLVWULEXW|U VRP lU HQ MXULGLVN SHUVRQ

6NlOHQ I|U SURPHPRULDQV I|UVODJ 6RP IUDPJnU L DYVQLWW VND )LQDQVLQVSHNWLRQHQ NXQQD WUlIID HQ |YHUHQVNRPPHOVH PHG HQ EHK|ULJ P\QGLJKHW L HWW DQQDW ODQG LQRP ((6 VRP LQQHElU DWW LQVSHNWLRQHQ nWDU VLJ HWW XW|NDW DQVYDU I|U WLOOV\Q RFK LQJULSDQGHQ PRW HQ ((6 I|UVlNULQJV I|UPHGODUHV YHUNVDPKHW L 6YHULJH )LQDQVLQVSHNWLRQHQ InU QlU HQ VnGDQ |YHUHQVNRPPHOVH WUlIIDV GHW KXYXGVDNOLJD DQVYDUHW I|U DWW VlNHUVWlOOD DWW NUDYHQ DYVHHQGH NXQVNDS RFK NRPSHWHQV RFK OlPSOLJKHW P P XSSI\OOV L GHQ VYHQVND YHUNVDPKHWHQ )LQDQVLQVSHNWLRQHQ VND lYHQ L YLVVD DYVHHQ GHQ DJHUD VRP EHK|ULJ P\QGLJKHW L KHPODQG L I|UKnOODQGH WLOO YHUNVDP KHWHQ VRP EHGULYV L 6YHULJH 'HW LQQHElU EO D DWW )LQDQVLQVSHNWLRQHQ NRPPHU DWW KD KXYXGDQVYDUHW I|U WLOOV\Q DYVHHQGH EHVWlPPHOVHU RP XSSI|UDQGH L ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ QlU GHW JlOOHU I|UVlN ULQJVGLVWULEXWLRQ VRP VNHU IUnQ 6YHULJH WLOO DQGUD OlQGHU LQRP ((6

opaginerad 2P HQ |YHUHQVNRPPHOVH WUlIIDV VND )LQDQVLQVSHNWLRQHQ lYHQ DJHUD Kontrollera mot PDF

2P HQ |YHUHQVNRPPHOVH WUlIIDV VND )LQDQVLQVSHNWLRQHQ lYHQ DJHUD

VRP EHK|ULJ P\QGLJKHW L KHPODQGHW L IUnJD RP UHJOHUQD L NDSLWHO 9,, L

I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNODUQD ± VRP JlOOHU DGPLQL

VWUDWLYD VDQNWLRQHU RFK DQGUD nWJlUGHU DUWLNHO 8WJnQJVSXQNWHQ lU

DOOWVn DWW )LQDQVLQVSHNWLRQHQ VND KD VDPPD P|MOLJKHWHU DWW LQJULSD PRW HQ

((6 I|UVlNULQJVI|UPHGODUH VRP PRW I|UVlNULQJVGLVWULEXW|UHU VRP DJHUDU

PHG VW|G DY WLOOVWnQG HOOHU UHJLVWUHULQJ L 6YHULJH 'HWWD DYYLNHU IUnQ KXU

)LQDQVLQVSHNWLRQHQ NDQ LQJULSD PRW |YULJD ((6 I|UVlNULQJVI|UPHGODUH

MIU DYVQLWW (Q EHVWlPPHOVH VRP UHJOHUDU P|MOLJKHWHUQD DWW

LQJULSD PRW ((6 I|UVlNULQJVI|UPHGODUH VRP RPIDWWDV DY HQ |YHUHQV

NRPPHOVH RP |YHUI|UG WLOOV\Q PnVWH VnOHGHV I|UDV LQ L GHQ Q\D ODJHQ

2P HQ |YHUHQVNRPPHOVH RP |YHUI|ULQJ DY WLOOV\Q KDU WUlIIDWV VND

)LQDQVLQVSHNWLRQHQ |YHUWD DQVYDUHW DWW DJHUD VRP EHK|ULJ P\QGLJKHW L

KHPODQG QlU GHW JlOOHU NDSLWOHQ ,9±9,, L GLUHNWLYHW DUWLNODUQD ±

'HW LQQHElU DWW DQVYDU I|U IUnJRU RP WLOOVWnQG RFK UHJLVWUHULQJ UHJOHUDV L

NDSLWHO ,, DUWLNHO LQWH RPIDWWDV DY )LQDQVLQVSHNWLRQHQV EHK|ULJKHW (Q

NRQVHNYHQV DY GHWWD E|U YDUD DWW )LQDQVLQVSHNWLRQHQ LQWH KHOOHU VND NXQQD

nWHUNDOOD HWW WLOOVWnQG HOOHU HQ UHJLVWUHULQJ VRP EHVOXWDWV DY HQ EHK|ULJ

P\QGLJKHW L HWW DQQDW ODQG LQRP ((6 , VWlOOHW E|U )LQDQVLQVSHNWLRQHQ

NXQQD I|UEMXGD ((6 I|UVlNULQJVI|UPHGODUHQ DWW EHGULYD YHUNVDPKHW L

6YHULJH , |YULJW E|U P|MOLJKHWHUQD WLOO LQJULSDQGH YDUD GH VDPPD VRP

PRW VYHQVND I|UVlNULQJVGLVWULEXW|UHU YLONHW LQQHElU DWW )LQDQVLQVSHN

WLRQHQ VND NXQQD XWIlUGD HWW I|UHOlJJDQGH DWW J|UD UlWWHOVH LQRP YLVV WLG

HWW I|UEXG DWW YHUNVWlOOD EHVOXW HOOHU HQ DQPlUNQLQJ 9LG DOOYDUOLJD |YHU

WUlGHOVHU VND )LQDQVLQVSHNWLRQHQ NXQQD EHVOXWD RP YDUQLQJ L VWlOOHW I|U

HWW I|UEXG PRW DWW EHGULYD YHUNVDPKHW L 6YHULJH

, GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ E|U GHW DQJHV YLOND EH

VWlPPHOVHU L GHQ ODJHQ VRP RP GH |YHUWUlGV VND NXQQD PHGI|UD LQJULS

DQGH PRW HQ ((6 I|UVlNULQJVI|UPHGODUH bYHQ |YHUWUlGHOVHU DY I|UH

VNULIWHU Sn OlJUH QLYn lQ ODJ VRP PHGGHODWV DYVHHQGH GH EHVWlPPHOVHUQD

L ODJHQ VND NXQQD I|UDQOHGD HWW LQJULSDQGH %HKRYHW DY HQ VnGDQ EHJUlQV

QLQJ I|OMHU DY DWW )LQDQVLQVSHNWLRQHQ WDU |YHU DQVYDUHW I|U LQJULSDQGHQ

HQGDVW QlU GHW JlOOHU GH VN\OGLJKHWHU I|U I|UVlNULQJVGLVWULEXW|UHU VRP

DYVHV L NDSLWOHQ ,9±9, L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 2P HQ ((6

I|UVlNULQJVI|UPHGODUH |YHUWUlGHU DQGUD EHVWlPPHOVHU lQ GH VRP L

HQOLJKHW PHG GHW VRP DQI|UV RYDQ VND DQJHV L ODJHQ InU )LQDQVLQVSHN

WLRQHQ VnOHGHV LQJULSD PHG GH EHJUlQVQLQJDU VRP JlOOHU I|U ((6 I|UVlN

ULQJVI|UPHGODUH MIU DYVQLWW

6RP QlPQV RYDQ lU XWJnQJVSXQNWHQ DWW )LQDQVLQVSHNWLRQHQ I|U GH XW

SHNDGH |YHUWUlGHOVHUQD VND NXQQD LQJULSD PRW HQ ((6 I|UVlNULQJV

I|UPHGODUH VRP RPIDWWDV DY HQ |YHUHQVNRPPHOVH PHG HQ EHK|ULJ

P\QGLJKHW L HWW DQQDW ODQG LQRP ((6 Sn VDPPD VlWW VRP PRW HQ VYHQVN

I|UVlNULQJVGLVWULEXW|U 0RW VYHQVND I|UVlNULQJVGLVWULEXW|UHU VRP lU MXULG

LVND SHUVRQHU VND )LQDQVLQVSHNWLRQHQ YLG DOOYDUOLJD XSSUHSDGH HOOHU

V\VWHPDWLVND |YHUWUlGHOVHU LQJULSD PRW HQ VW\UHOVHOHGDPRW GHQ YHUN

VWlOODQGH GLUHNW|UHQ HOOHU DQGUD VRP Sn PRWVYDUDQGH VlWW I|UHWUlGHU

GLVWULEXW|UHU VRP LQWH KDU HQ VW\UHOVH HOOHU YHUNVWlOODQGH GLUHNW|U 'HW

PnVWH I|UXWVlWWDV DWW HQ ((6 I|UVlNULQJVI|UPHGODUH VRP EHG|PV KD VLWW

KXYXGVDNOLJD YHUNVDPKHWVVWlOOH L 6YHULJH lU HWDEOHUDG L ODQGHW KlU JHQRP

HQ ILOLDO (Q ILOLDO lU LQWH QnJRQ HJHQ MXULGLVN SHUVRQ RFK VDNQDU HQ

VW\UHOVH HOOHU PRWVYDUDQGH IXQNWLRQ (QOLJW ODJHQ RP

opaginerad ,QJULSDQGH PRW I|UVlNULQJVI|UPHGODUH IUnQ WUHGMHODQG Kontrollera mot PDF

XWOlQGVND ILOLDOHU VND HQ ILOLDO HPHOOHUWLG KD HQ YHUNVWlOODQGH GLUHNW|U † 'HQ YHUNVWlOODQGH GLUHNW|UHQ lU HQOLJW VDPPD ODJ DQVYDULJ I|U ILOLDOHQV YHUNVDPKHW † 'HQ YHUNVWlOODQGH GLUHNW|UHQ L HQ ILOLDO E|U PRW GHQQD EDNJUXQG DQVHV YDUD GHQ SHUVRQ VRP HQOLJW VYHQVN UlWW lU DQVYDULJ I|U ILOLDOHQV |YHUWUlGHOVHU Sn GHW VlWW VRP DYVHV L I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW DUWLNHO )|U DWW JHQRPI|UD GLUHNWLYHWV NUDY Sn DWW )LQDQVLQVSHNWLRQHQ VND DJHUD VRP HQ EHK|ULJ P\QGLJKHW L KHPODQG L I|UKnOODQGH WLOO ((6 I|UVlNULQJVI|UPHGODUH VRP RPIDWWDV DY HQ |YHUHQV NRPPHOVH PHG HQ EHK|ULJ P\QGLJKHW L HWW DQQDW ODQG LQRP ((6 E|U LQVSHNWLRQHQ In LQJULSD PRW GHQ YHUNVWlOODQGH GLUHNW|UHQ L ILOLDOHQ JHQRP EHVOXW RP VDQNWLRQVDYJLIW HOOHU HWW WLGVEHJUlQVDW I|UEXG PRW DWW XSSUlWWKnOOD IXQNWLRQHQ VRP YHUNVWlOODQGH GLUHNW|U L HQ ILOLDO WLOO HQ ((6 I|UVlNULQJVI|UPHGODUH (WW VnGDQW LQJULSDQGH E|U NXQQD VNH Sn VDPPD I|UXWVlWWQLQJDU RFK HQOLJW VDPPD I|UIDUDQGH VRP HWW LQJULSDQGH PRW HQ OHGQLQJVSHUVRQ L HQ VYHQVN I|UVlNULQJVI|UPHGODUH MIU DYVQLWW

,QJULSDQGH PRW I|UVlNULQJVI|UPHGODUH IUnQ WUHGMHODQG

3URPHPRULDQV I|UVODJ %HVWlPPHOVHQ L ODJHQ RP I|UVlNULQJVI|U

PHGOLQJ RP LQJULSDQGH PRW I|UVlNULQJVI|UPHGODUH IUnQ WUHGMHODQG VRP

EHGULYHU I|UVlNULQJVGLVWULEXWLRQ L 6YHULJH VND I|UDV |YHU RI|UlQGUDG

WLOO ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

6NlOHQ I|U SURPHPRULDQV I|UVODJ )UnJDQ RP LQJULSDQGHQ PRW I|UVlNULQJVI|UPHGODUH IUnQ WUHGMHODQG UHJOHUDV LQWH L I|UVlNULQJVGLVWULEX WLRQVGLUHNWLYHW VH DYVQLWW RP GLUHNWLYHWV WHUULWRULHOOD WLOOlPSQLQJV RPUnGH 'lUHPRW I|OMHU GHW DY GLUHNWLYHW DWW I|UVlNULQJVI|UPHGODUH IUnQ WUHGMH ODQG RFK ((6 I|UVlNULQJVI|UPHGODUH VND EHKDQGODV OLND DUWLNHO DQGUD VW\FNHW

)|UVlNULQJVI|UPHGODUH IUnQ WUHGMHODQG VND VnOHGHV RPIDWWDV DY NUDYHQ L GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQV L VDPPD XWVWUlFNQLQJ VRP VYHQVND I|UPHGODUH RFK ((6 I|UVlNULQJVI|UPHGODUH 'H VND VWn XQGHU )LQDQVLQVSHNWLRQHQV WLOOV\Q L IUnJD RP GHQ YHUNVDPKHW VRP EHGULYV IUnQ HQ ILOLDO L 6YHULJH RFK GH VND HQGDVW EHGULYD YHUNVDPKHW JHQRP ILOLDO KlU L ODQGHW HIWHU WLOOVWnQG DY )LQDQVLQVSHNWLRQHQ

2P HQ I|UVlNULQJVI|UPHGODUH IUnQ WUHGMHODQG |YHUWUlGHU ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ PnVWH )LQDQVLQVSHNWLRQHQ KD P|MOLJKHW DWW LQ JULSD , ODJHQ RP I|UVlNULQJVI|UPHGOLQJ ILQQV HQ EHVWlPPHOVH RP LQ JULSDQGH PRW I|UVlNULQJVI|UPHGODUH IUnQ WUHGMHODQG VRP XW|YDU I|UPHG OLQJ KlU L ODQGHW IUnQ ILOLDO NDS † ,QJULSDQGH PRW HQ VnGDQ I|UVlN ULQJVI|UPHGODUH InU VNH L VDPPD RPIDWWQLQJ RFK XQGHU VDPPD I|UXWVlWW QLQJDU VRP L IUnJD RP VYHQVND I|UVlNULQJVI|UPHGODUH 'HW VDNQDV DQOHG QLQJ DWW J|UD QnJRQ lQGULQJ QlU GHW JlOOHU )LQDQVLQVSHNWLRQHQV P|MOLJ KHWHU DWW LQJULSD PRW I|UVlNULQJVI|UPHGODUH IUnQ WUHGMHODQG VH OLNQDQGH EHG|PQLQJ DYVHHQGH WLOOVWnQG I|U I|UVlNULQJVI|UPHGODUH IUnQ WUHGMHODQG L DYVQLWW )LQDQVLQVSHNWLRQHQ VND VnOHGHV NXQQD LQJULSD PRW ILOLDOHQ JHQRP DWW LQVSHNWLRQHQ XWIlUGDU HWW I|UHOlJJDQGH DWW YLGWD nWJlUG LQRP YLVV WLG HWW I|UEXG DWW YHUNVWlOOD EHVOXW HOOHU HQ DQPlUNQLQJ 2P |YHUWUlG

HOVHQ lU DOOYDUOLJ VND WLOOVWnQGHW nWHUNDOODV HOOHU RP GHW lU WLOOUlFNOLJW

opaginerad ,QJULSDQGH PRW GHQ VRP VDNQDU WLOOVWnQG HOOHU UHJLVWUHULQJ Kontrollera mot PDF

YDUQLQJ PHGGHODV 7LOOVWnQGHW I|U HQ I|UVlNULQJVI|UPHGODUH IUnQ WUHGMH ODQG E|U lYHQ HQOLJW GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ L OLNKHW PHG GHW VRP JlOOHU L GDJ HQOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ nWHU NDOODV RP I|UPHGODUHQ LQWH LQRP HWW nU IUnQ GHW DWW WLOOVWnQG EHYLOMDGHV KDU E|UMDW XW|YD VnGDQ YHUNVDPKHW VRP WLOOVWnQGHW DYVHU KDU I|UNODUDW VLJ DYVWn IUnQ WLOOVWnQGHW HOOHU XQGHU HQ VDPPDQKlQJDQGH WLG DY VH[ PnQDGHU LQWH KDU XW|YDW VnGDQ YHUNVDPKHW VRP WLOOVWnQGHW DYVHU , OLNKHW PHG GHW VRP L DYVQLWW I|UHVOnV VND JlOOD EHWUlIIDQGH VYHQVND I|UVlNULQJV I|UPHGODUH E|U )LQDQVLQVSHNWLRQHQ YLG nWHUNDOOHOVH Sn QnJRQ DY GH JUXQGHUQD I|UVW SU|YD RP GHW ILQQV VNlO DWW LQJULSD PRW I|UVlNULQJV I|UPHGODUHQ Sn DQQDW VlWW RFK RP GHW ILQQV VnGDQD VNlO EHVOXWD RP HWW LQJULSDQGH 'HW E|U lYHQ IRUWVlWWQLQJVYLV YDUD P|MOLJW DWW EHVOXWD RP VDQNWLRQVDYJLIW PRW I|UPHGODUH IUnQ WUHGMHODQG 1lU GHW lU IUnJD RP HQ ILOLDO E|U EHUlNQLQJHQ DY GHQ K|JVWD VDQNWLRQVDYJLIWHQ VNH XWLIUnQ RPVlWWQLQJHQ I|U GHQ MXULGLVND SHUVRQHQ VRP ILOLDOHQ XWJ|U GHO DY VH DYVQLWW

, DYVQLWW I|UHVOnV DWW )LQDQVLQVSHNWLRQHQ L YLVVD IDOO VND NXQQD LQJULSD PRW GHQ YHUNVWlOODQGH GLUHNW|UHQ L HQ ILOLDO WLOO HQ ((6 I|UVlN ULQJVI|UPHGODUH RP ILOLDOHQ EHIXQQLWV DQVYDULJ I|U HQ |YHUWUlGHOVH DY ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ 6DPPD LQJULSDQGHP|MOLJKHW E|U ILQQDV lYHQ JHQWHPRW GHQ YHUNVWlOODQGH GLUHNW|UHQ L HQ ILOLDO WLOO HQ I|UVlNULQJV I|UPHGODUH IUnQ WUHGMHODQG HIWHUVRP VnGDQD I|UPHGODUH HQOLJW I|UVlN ULQJVGLVWULEXWLRQVGLUHNWLYHW VND EHKDQGODV Sn VDPPD VlWW VRP ((6 I|U PHGODUH DUWLNHO DQGUD VW\FNHW )LQDQVLQVSHNWLRQHQ E|U In LQJULSD PRW GHQ YHUNVWlOODQGH GLUHNW|UHQ L ILOLDOHQ JHQRP EHVOXW RP VDQNWLRQV DYJLIW HOOHU HWW WLGVEHJUlQVDW I|UEXG PRW DWW XSSUlWWKnOOD IXQNWLRQHQ VRP YHUNVWlOODQGH GLUHNW|U L HQ ILOLDO WLOO HQ I|UVlNULQJVI|UPHGODUH (WW VnGDQW LQJULSDQGH E|U NXQQD VNH Sn VDPPD I|UXWVlWWQLQJDU RFK HQOLJW VDPPD I|UIDUDQGH VRP HWW LQJULSDQGH PRW HQ OHGQLQJVSHUVRQ L HQ VYHQVN I|UVlN ULQJVI|UPHGODUH MIU DYVQLWW

3n VDPPD VlWW VRP L GDJ E|U )LQDQVLQVSHNWLRQHQ YDUD VN\OGLJ DWW XQGHUUlWWD GHQ EHK|ULJD P\QGLJKHWHQ L I|UVlNULQJVI|UPHGODUHQV KHPODQG RP nWJlUGHU VRP KDU YLGWDJLWV PRW I|UPHGODUHQ

,QJULSDQGH PRW GHQ VRP VDNQDU WLOOVWnQG HOOHU UHJLVWUHULQJ

3URPHPRULDQV I|UVODJ %HVWlPPHOVHUQD L ODJHQ RP I|UVlNULQJV I|UPHGOLQJ RP LQJULSDQGH PRW GHQ VRP EHGULYHU YHUNVDPKHW XWDQ DWW YDUD EHUlWWLJDG WLOO GHW HOOHU GHQ VRP DJHUDU XW|YHU VLWW WLOOVWnQG HOOHU VLQ UHJLVWUHULQJ VND I|UDV |YHU L KXYXGVDN RI|UlQGUDGH WLOO ODJHQ 2P I|UVlNULQJVGLVWULEXWLRQ 'HWVDPPD VND JlOOD EHVWlPPHOVHUQD RP )LQDQVLQVSHNWLRQHQV P|MOLJKHWHU DWW XWUHGD RP ODJHQ lU WLOOlPSOLJ Sn YHUNVDPKHWHQ RFK RP DWW HWW EHVOXW RP nWHUNDOOHOVH DY WLOOVWnQG InU I|UHQDV PHG I|UEXG DWW IRUWVlWWD YHUNVDPKHWHQ

6NlOHQ I|U SURPHPRULDQV I|UVODJ /DJHQ RP I|UVlNULQJVI|UPHGOLQJ LQQHKnOOHU EHVWlPPHOVHU RP DWW )LQDQVLQVSHNWLRQHQ VND I|UHOlJJD GHQ VRP EHGULYHU I|UVlNULQJVI|UPHGOLQJ L 6YHULJH XWDQ DWW KD WLOOVWnQG WLOO GHW

DWW XSSK|UD PHG GHW 'HWVDPPD JlOOHU RP HQ I|UPHGODUH I|UPHGODU

opaginerad 9LWH Kontrollera mot PDF

I|UVlNULQJDU DY HWW VODJ VRP GHQQH LQWH lU EHUlWWLJDG DWW I|UPHGOD HOOHU XW|YDU VLGRYHUNVDPKHW DYVHHQGH IRQGDQGHODU XWDQ DWW YDUD UHJLVWUHUDG I|U GHW NDS † I|UVWD VW\FNHW 'HQ ODJHQ LQQHKnOOHU lYHQ EHVWlPPHOVHU RP )LQDQVLQVSHNWLRQHQV P|MOLJKHWHU DWW XWUHGD RP ODJHQ lU WLOOlPSOLJ NDS † DQGUD VW\FNHW RFK DWW HWW EHVOXW RP nWHUNDOOHOVH DY WLOOVWnQG InU I|UHQDV PHG I|UEXG DWW IRUWVlWWD YHUNVDPKHWHQ NDS † )|UVlN ULQJVGLVWULEXWLRQVGLUHNWLYHW LQQHKnOOHU HWW NUDY Sn DWW PHGOHPVVWDWHUQD VND J|UD GHW P|MOLJW DWW LQJULSD PRW GHP VRP LQWH UHJLVWUHUDU VLQ YHUNVDPKHW PHG I|UVlNULQJVGLVWULEXWLRQ DUWLNHO D *HQRP DWW I|UD |YHU GH QX DNWXHOOD EHVWlPPHOVHUQD L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ WLOO GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ WLOOJRGRVHV I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHWV NUDY %HWUlIIDQGH GH |YULJD EHVWlPPHOVHUQD ILQQV GHW LQJD VNlO DWW L VDN lQGUD GHW VRP JlOOHU HQOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ RFK lYHQ GH E|U GlUI|U I|UDV |YHU WLOO GHQ Q\D ODJHQ

9LWH

3URPHPRULDQV I|UVODJ )|UHOlJJDQGH RFK I|UEXG VRP )LQDQV

LQVSHNWLRQHQ EHVOXWDU RP VND NXQQD I|UHQDV PHG YLWH

6NlOHQ I|U SURPHPRULDQV I|UVODJ (QOLJW ODJHQ RP I|UVlNULQJV I|UPHGOLQJ InU )LQDQVLQVSHNWLRQHQ I|UHQD I|UHOlJJDQGH RFK I|UEXG VRP PHGGHODV HQOLJW GHQ ODJHQ PHG YLWH NDS † (QOLJW I|UVODJHW L DYVQLWW VND )LQDQVLQVSHNWLRQHQ lYHQ HQOLJW GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ NXQQD EHVOXWD RP I|UHOlJJDQGHQ RFK I|UEXG PRW I|UVlNULQJVGLVWULEXW|UHU , V\IWH DWW VlNHUVWlOOD DWW GHVVD I|UHOlJJDQGHQ RFK I|UEXG I|OMV E|U )LQDQVLQVSHNWLRQHQ KD P|MOLJKHW DWW EHVOXWD RP YLWH RFNVn HQOLJW GHQ Q\D ODJHQ

2IIHQWOLJJ|UDQGH DY EHVOXW

3URPHPRULDQV EHG|PQLQJ 6N\OGLJKHWHQ DWW RIIHQWOLJJ|UD EHVOXW RP

VDQNWLRQHU RFK DQGUD nWJlUGHU L HQOLJKHW PHG I|UVlNULQJVGLVWULEXWLRQV

GLUHNWLYHW E|U JHQRPI|UDV JHQRP I|UHVNULIWHU Sn I|URUGQLQJVQLYn

6NlOHQ I|U SURPHPRULDQV EHG|PQLQJ )|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW LQQHKnOOHU NUDY Sn DWW VDQNWLRQHU HOOHU nWJlUGHU WLOO I|OMG DY |YHUWUlGHOVHU DY GH QDWLRQHOOD EHVWlPPHOVHU VRP LQI|UOLYDW GLUHNWLYHW VND RIIHQWOLJJ|UDV Sn GH EHK|ULJD P\QGLJKHWHUQDV RIILFLHOOD ZHEESODWV DUWLNHO ± 'LUHNWLYHW KDU VRP XWJnQJVSXQNW DWW RIIHQWOLJJ|UDQGH VND VNH PHQ WLOOnWHU XQGHU YLVVD I|UXWVlWWQLQJDU DWW EHVOXWHQ RIIHQWOLJJ|UV DQRQ\PLVHUDW DWW RIIHQWOLJJ|UDQGHW VNMXWV XSS HOOHU DWW RIIHQWOLJJ|UDQGHW XQGHUOnWV )|U DWW L VYHQVN UlWW JHQRPI|UD GLUHNWLYHW IXOOW XW NUlYV VnOHGHV DWW GHW LQI|UV WYLQJDQGH EHVWlPPHOVHU RP RIIHQWOLJJ|UDQGH VRP ULNWDU VLJ WLOO GH EHK|ULJD P\QGLJKHWHUQD

9LG JHQRPI|UDQGHW L VYHQVN UlWW DY NDSLWDOWlFNQLQJVGLUHNWLYHW KDGH UHJHULQJHQ DWW I|UKnOOD VLJ WLOO PRWVYDUDQGH UHJOHU RP RIIHQWOLJJ|UDQGH L GHW GLUHNWLYHW DUWLNHO 5HJHULQJHQ NRQVWDWHUDGH Gn DWW GHW I|UHOLJJHU HQ SUHVXPWLRQ I|U DWW XSSJLIWHU RP nWJlUGHU HOOHU VDQNWLRQHU InU RIIHQWOLJ

J|UDV PHQ VHNUHWHVV UnGHU RP GHW NDQ DQWDV DWW GHQ EHU|UGH OLGHU VNDGD

opaginerad 8W|NDG XQGHUUlWWHOVHVN\OGLJKHW WLOO (LRSD Kontrollera mot PDF

RP XSSJLIWHQ U|MV SURS V I .DSLWDOWlFNQLQJV GLUHNWLYHW I|UXWVlWWHU RIIHQWOLJJ|UDQGH PHQ WLOOnWHU DWW EHVOXW RIIHQWOLJ JMRUGHV DQRQ\PLVHUDW EO D RP HWW RIIHQWOLJJ|UDQGH VNXOOH XWJ|UD HQ RSURSRUWLRQHUOLJ nWJlUG HOOHU EHG|PDV RUVDND HQ RSURSRUWLRQHOO VNDGD I|U EHU|UGD LQVWLWXW 5HJHULQJHQ JMRUGH GlUI|U EHG|PQLQJHQ DWW EHVWlP PHOVHUQD RP VHNUHWHVV L )LQDQVLQVSHNWLRQHQV YHUNVDPKHW VRP ILQQV L NDS † RIIHQWOLJKHWV RFK VHNUHWHVVODJHQ I|UNRUWDG 26/ LQWH XWJ|U KLQGHU PRW DWW SXEOLFHUD EHVOXWHQ Sn GHW VlWW VRP I|UHVNULYV L GHW GLUHNWLYHW

6DPPD EHG|PQLQJ E|U J|UDV L IUnJD RP )LQDQVLQVSHNWLRQHQV RIIHQWOLJ J|UDQGH DY EHVOXW RP LQJULSDQGHQ RFK VDQNWLRQHU VRP PHGGHODV PHG VW|G DY GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ 'HWWD I|OMHU DY DWW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW J|U GHW P|MOLJW I|U GH EHK|ULJD P\Q GLJKHWHUQD DWW EHG|PD RP HWW RIIHQWOLJJ|UDQGH lU SURSRUWLRQHUOLJ RFK YLG EHKRY J|UD VnGDQD RIIHQWOLJJ|UDQGHQ Sn DQRQ\P JUXQG DUWLNHO 'HW ILQQV GlUI|U LQWH QnJRQ NRQIOLNW PHOODQ EHVWlPPHOVHU RP VHNUHWHVV L 26/ RFK I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHWV NUDY Sn RIIHQWOLJJ|UDQGH DY EHVOXW

.UDYHW Sn RIIHQWOLJJ|UDQGH DY EHVOXW RP LQJULSDQGHQ RFK VDQNWLRQHU VRP EHVOXWDV I|U HQVNLOGD RFK HWW RIIHQWOLJJ|UDQGH DY EHVOXWHQ Sn )LQDQVLQVSHNWLRQHQV ZHEESODWV NRPPHU YLGDUH DWW XWJ|UD HQ EHKDQGOLQJ DY SHUVRQXSSJLIWHU HQOLJW SHUVRQXSSJLIWVODJHQ )|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW LQQHKnOOHU GRFN JHQRP P|MOLJKHWHQ DWW L YLVVD IDOO SXEOLFHUD EHVOXWHQ DQRQ\PW DUWLNHO PHNDQLVPHU I|U DWW WLOOJRGRVH VN\GGHW I|U SHUVRQXSSJLIWHU

bYHQ IUnJDQ RP SHUVRQXSSJLIWVODJHQ XWJ|U HWW KLQGHU I|U DWW RIIHQWOLJ J|UD EHVOXW Sn GHW VlWW VRP DQJHV L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW YDU I|UHPnO I|U |YHUYlJDQGHQ L VDPEDQG PHG JHQRPI|UDQGHW DY PRW VYDUDQGH UHJOHU L NDSLWDOWlFNQLQJVGLUHNWLYHW VH VDPPD SURS V 5HJHULQJHQ NRQVWDWHUDGH Gn DWW GHW L SHUVRQXSSJLIWVODJHQ DQJHV DWW DY YLNDQGH EHVWlPPHOVHU L HQ DQQDQ ODJ HOOHU I|URUGQLQJ KDU I|UHWUlGH IUDP I|U SHUVRQXSSJLIWVODJHQ RFK DWW GHW DOOWVn LQWH lU Q|GYlQGLJW DWW IUnJDQ UHJOHUDV L ODJ 6DPPD EHG|PQLQJ E|U J|UDV L I|UHYDUDQGH ODJVWLIWQLQJV lUHQGH

, WLGLJDUH ODJVWLIWQLQJVlUHQGHQ KDU UHJHULQJHQ JMRUW EHG|PQLQJHQ DWW EHVWlPPHOVHU RP SXEOLFHULQJ DY EHVOXW E|U DQJHV L I|URUGQLQJ MIU VDPPD SURS V I 'HW VDNQDV VNlO DWW J|UD QnJRQ DQQDQ EHG|PQLQJ L GHWWD ODJVWLIWQLQJVlUHQGH

8W|NDG XQGHUUlWWHOVHVN\OGLJKHW WLOO (LRSD

3URPHPRULDQV EHG|PQLQJ 'HQ XW|NDGH VN\OGLJKHWHQ I|U )LQDQV LQVSHNWLRQHQ DWW XQGHUUlWWD (LRSD VRP I|OMHU DY I|UVlNULQJVGLVWULEX WLRQVGLUHNWLYHW E|U UHJOHUDV JHQRP I|UHVNULIWHU Sn I|URUGQLQJVQLYn

6NlOHQ I|U SURPHPRULDQV EHG|PQLQJ (QOLJW I|UVlNULQJVGLVWULEX WLRQVGLUHNWLYHW VND PHGOHPVVWDWHUQD VH WLOO DWW GHUDV EHK|ULJD P\QGLJKHWHU LQIRUPHUDU (LRSD RP DOOD DGPLQLVWUDWLYD VDQNWLRQHU RFK nWJlUGHU VRP SnI|UWV PHQ LQWH RIIHQWOLJJMRUWV DUWLNHO

opaginerad gYHUNODJDQGH Kontrollera mot PDF

'H EHK|ULJD P\QGLJKHWHUQD VND GlUXW|YHU nUOLJHQ JH (LRSD LQIRUPDWLRQ L DJJUHJHUDG IRUP RP DOOD DGPLQLVWUDWLYD VDQNWLRQHU RFK DQGUD nWJlUGHU VRP SnI|UWV L HQOLJKHW PHG GLUHNWLYHW DUWLNHO (LRSD VND RIIHQWOLJ J|UD GHQ LQIRUPDWLRQHQ L HQ nUOLJ UDSSRUW

2P GHQ EHK|ULJD P\QGLJKHWHQ KDU RIIHQWOLJJMRUW HQ DGPLQLVWUDWLY VDQNWLRQ HOOHU DQQDQ nWJlUG VND GHQ VDPWLGLJW LQIRUPHUD (LRSD RP GHQQD DUWLNHO

'H nWHUJLYQD UHJOHUQD L GLUHNWLYHW RPIDWWDU I|U 6YHULJHV GHO HQGDVW )LQDQVLQVSHNWLRQHQ 'HQ XW|NDGH XQGHUUlWWHOVHVN\OGLJKHWHQ VRP GH UHJOHUQD LQQHElU E|U UHJOHUDV L I|UHVNULIWHU VRP PHGGHODV DY UHJHULQJHQ

gYHUNODJDQGH

3URPHPRULDQV I|UVODJ )LQDQVLQVSHNWLRQHQV EHVOXW RP VDQNWLRQV I|UHOlJJDQGH HOOHU DWW I|UHOlJJD QnJRQ DWW OlPQD XSSO\VQLQJDU I|U DWW NXQQD EHG|PD RP HQ YLVV YHUNVDPKHW lU WLOOVWnQGVSOLNWLJ VND LQWH In |YHUNODJDV

$QGUD EHVOXW DY )LQDQVLQVSHNWLRQHQ L HQVNLOGD IDOO HQOLJW ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ VND In |YHUNODJDV WLOO DOOPlQ I|UYDOWQLQJV GRPVWRO

)LQDQVLQVSHNWLRQHQ VND In EHVWlPPD DWW HWW EHVOXW RP I|UEXG I|UHOlJJDQGH HOOHU nWHUNDOOHOVH VND JlOOD RPHGHOEDUW

%RODJVYHUNHWV EHVOXW DWW DYVNULYD HQ DQPlODQ HOOHU DWW YlJUD HQ UHJLVWUHULQJ VND In |YHUNODJDV WLOO DOOPlQ I|UYDOWQLQJVGRPVWRO LQRP WYn PnQDGHU IUnQ GHQ GDJ Gn NODJDQGHQ ILFN GHO DY EHVOXWHW

3U|YQLQJVWLOOVWnQG VND NUlYDV YLG |YHUNODJDQGH WLOO NDPPDUUlWWHQ

6NlOHQ I|U SURPHPRULDQV I|UVODJ /DJHQ RP I|UVlNULQJVI|UPHGOLQJ LQQHKnOOHU EHVWlPPHOVHU RP |YHUNODJDQGH DY )LQDQVLQVSHNWLRQHQV UHV SHNWLYH %RODJVYHUNHWV EHVOXW 'HW VDNQDV DQOHGQLQJ DWW IUnQJn GHQ QXYDUDQGH RUGQLQJHQ

)LQDQVLQVSHNWLRQHQV EHVOXW HQOLJW GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWUL EXWLRQ RP DWW I|UHOlJJD QnJRQ DWW OlPQD XSSO\VQLQJDU I|U DWW NXQQD EH G|PD RP HQ YLVV YHUNVDPKHW lU WLOOVWnQGVSOLNWLJ E|U VnOHGHV LQWH In |YHU NODJDV ,QWH KHOOHU HWW VDQNWLRQVI|UHOlJJDQGH E|U In |YHUNODJDV MIU SURS V $QGUD EHVOXW DY )LQDQVLQVSHNWLRQHQ L HQVNLOGD IDOO HQOLJW GHQ ODJHQ E|U In |YHUNODJDV WLOO DOOPlQ I|UYDOWQLQJVGRPVWRO 'HW E|U GRFN LQWH JlOOD V N QRUPJLYQLQJVEHVOXW VRP DYVHV L † I|UVWD VW\FNHW I|UYDOWQLQJVODJHQ

)LQDQVLQVSHNWLRQHQ E|U Sn VDPPD VlWW VRP HQOLJW ODJHQ RP I|UVlN ULQJVI|UPHGOLQJ In EHVWlPPD DWW HWW EHVOXW RP I|UEXG I|UHOlJJDQGH HOOHU nWHUNDOOHOVH HQOLJW GHQ Q\D ODJHQ VND JlOOD RPHGHOEDUW

%RODJVYHUNHWV EHVOXW DWW DYVNULYD HQ DQPlODQ HOOHU DWW YlJUD HQ UHJLVW UHULQJ HQOLJW GHQ Q\D ODJHQ E|U L OLNKHW PHG YDG VRP JlOOHU HQOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ In |YHUNODJDV WLOO DOOPlQ I|UYDOWQLQJVGRPVWRO LQRP WYn PnQDGHU IUnQ GHQ GDJ Gn NODJDQGHQ ILFN GHO DY EHVOXWHW

3U|YQLQJVWLOOVWnQG E|U NUlYDV YLG |YHUNODJDQGH WLOO NDPPDUUlWWHQ

opaginerad UlWW WLOO GRPVWROVSU|YQLQJ DUWLNODUQD DQGUD VW\FNHW RFK Kontrollera mot PDF

*HQRP I|UVODJHW WLOOJRGRVHV I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHWV NUDY Sn

UlWW WLOO GRPVWROVSU|YQLQJ DUWLNODUQD DQGUD VW\FNHW RFK

)RQGERODJ RFK $,) I|UYDOWDUH

,QOHGQLQJ

, DYVQLWW EHKDQGODV UnGJLYQLQJ RP DQGHODU L IRQGHU VRP IRQGERODJ RFK $,) I|UYDOWDUH InU WLOOKDQGDKnOOD LQRP UDPHQ I|U VLQ IRQGYHUNVDPKHW RFK IUnJDQ RP I|UHWDJHQ L Vn IDOO E|U WLOOlPSD YLVVD EHVWlPPHOVHU L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ YLG VnGDQ UnGJLYQLQJ WLOO DOOD NXQGHU )UnJDQ RP GHW VRP E|U JlOOD YLG VnGDQ UnGJLYQLQJ EHKDQGODV lYHQ L DYVQLWW L SURS 1\D UHJOHU RP PDUNQDGHU I|U ILQDQVLHOOD LQVWUXPHQW 0L),' ,, RFK 0L),5

5nGJLYQLQJ RP DQGHODU L IRQGHU LQRP

IRQGYHUNVDPKHW WLOO NXQGHU

3URPHPRULDQV I|UVODJ 'H EHVWlPPHOVHU L ODJHQ RP YlUGHSDSSHUV

PDUNQDGHQ VRP IRQGERODJ RFK $,) I|UYDOWDUH VND WLOOlPSD QlU GH

XWI|U UnGJLYQLQJ RP DQGHODU L IRQGHU LQRP UDPHQ I|U VLQ IRQGYHUN

VDPKHW VND WLOOlPSDV YLG VnGDQ UnGJLYQLQJ WLOO DOOD NXQGHU

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU

PHGGHOD I|UHVNULIWHU RP YLOND nWJlUGHU HWW IRQGERODJ RFK HQ $,)

I|UYDOWDUH VND YLGWD I|U DWW XSSI\OOD GH NUDY VRP JlOOHU QlU GH XWI|U

UnGJLYQLQJ RP DQGHODU L IRQGHU LQRP UDPHQ I|U VLQ IRQGYHUNVDPKHW

6NlOHQ I|U SURPHPRULDQV I|UVODJ

Gällande rätt

)RQGERODJHQV YHUNVDPKHW UHJOHUDV L ODJHQ RP YlUGHSDSSHUVIRQGHU , GHQ

ODJHQ JHQRPI|UV (XURSDSDUODPHQWHWV RFK UnGHWV GLUHNWLY (* DY

GHQ MXOL RP VDPRUGQLQJ DY ODJDU RFK DQGUD I|UIDWWQLQJDU VRP

DYVHU I|UHWDJ I|U NROOHNWLYD LQYHVWHULQJDU L |YHUOnWEDUD YlUGHSDSSHU

IRQGI|UHWDJ 8&,76 GLUHNWLYHW L VYHQVN UlWW $,) I|UYDOWDUHV YHUNVDP

KHW UHJOHUDV L ODJHQ RP I|UYDOWDUH DY DOWHUQDWLYD LQYHVWHULQJVIRQGHU VRP

JHQRPI|U (XURSDSDUODPHQWHWV RFK UnGHWV GLUHNWLY (8 DY GHQ

MXQL RP I|UYDOWDUH DY DOWHUQDWLYD LQYHVWHULQJVIRQGHU VDPW RP

lQGULQJ DY GLUHNWLY (* RFK (* RFK I|URUGQLQJDUQD

(* QU RFK (8 QU $,)0 GLUHNWLYHW L VYHQVN

UlWW

)RQGERODJ InU LQRP UDPHQ I|U VLQ IRQGYHUNVDPKHW WLOOKDQGDKnOOD UnG

JLYQLQJ RP IRQGDQGHODU RFK $,) I|UYDOWDUH InU WLOOKDQGDKnOOD UnGJLYQLQJ

RP DQGHODU HOOHU DNWLHU L DOWHUQDWLYD LQYHVWHULQJVIRQGHU (WW IRQGERODJ

HOOHU HQ $,) I|UYDOWDUH VRP LQRP UDPHQ I|U VLQ IRQGYHUNVDPKHW OlPQDU

UnG RP DQGHODU L YlUGHSDSSHUVIRQGHU HOOHU RP DQGHODU HOOHU DNWLHU L

DOWHUQDWLYD LQYHVWHULQJVIRQGHU VND I|OMD GH QlULQJVUlWWVOLJD UHJOHUQD L

opaginerad Redan föreslagna ändringar Kontrollera mot PDF

ODJHQ RP ILQDQVLHOO UnGJLYQLQJ WLOO NRQVXPHQWHU UnGJLYQLQJVODJHQ , GHQ ODJHQ VWlOOV NUDY Sn KXU HQ QlULQJVLGNDUH VND DJHUD YLG UnGJLYQLQJ WLOO HQ NRQVXPHQW (Q QlULQJVLGNDUH VRP WLOOKDQGDKnOOHU ILQDQVLHOO UnGJLYQLQJ lU VN\OGLJ DWW VH WLOO DWW GHQ VRP XWI|U UnGJLYQLQJHQ KDU WLOOUlFNOLJ NRPSHWHQV † 'H NUDY VRP VWlOOV Sn UnGJLYDUHQ L GHWWD KlQVHHQGH VSHFLILFHUDV L )LQDQVLQVSHNWLRQHQV RFK .RQVXPHQWYHUNHWV I|UHVNULIWHU )LQDQV LQVSHNWLRQHQV I|UHVNULIWHU RFK DOOPlQQD UnG >)))6 @ RP ILQDQVLHOO UnGJLYQLQJ WLOO NRQVXPHQWHU RFK .RQVXPHQWYHUNHWV I|UHVNULIWHU RFK DOOPlQQD UnG >.29)6 @ RP ILQDQVLHOO UnGJLYQLQJ WLOO NRQVX PHQWHU 1lULQJVLGNDUHQ lU RFNVn VN\OGLJ DWW GRNXPHQWHUD YDG VRP I|UH NRPPLW YLG UnGJLYQLQJVWLOOIlOOHW RFK VND OlPQD XW GHQQD GRNXPHQWDWLRQ WLOO NRQVXPHQWHQ %HVWlPPHOVHU RP YLOND XSSJLIWHU VRP VND GRNXPHQ WHUDV YDG VRP VND |YHUOlPQDV WLOO NRQVXPHQWHQ RFK QlU GRNXPHQWHULQJ NDQ XQGHUOnWDV ILQQV RFNVn L )LQDQVLQVSHNWLRQHQV RFK .RQVXPHQWYHUNHWV I|UHVNULIWHU )|UXWRP GH IRUPHOOD NUDYHQ Sn GRNXPHQWDWLRQ RFK NRPSH WHQV KRV UnGJLYDUHQ ILQQV GHW L UnGJLYQLQJVODJHQ lYHQ EHVWlPPHOVHU RP KXU UnGJLYQLQJHQ VND XWI|UDV † (Q QlULQJVLGNDUH VND L VLQ UnGJLYQLQJ LDNWWD JRG UnGJLYQLQJVVHG RFK PHG WLOOE|UOLJ RPVRUJ WD WLOO YDUD NRQVX PHQWHQV LQWUHVVHQ 1lULQJVLGNDUHQ VND YLGDUH DQSDVVD UnGJLYQLQJHQ HIWHU NRQVXPHQWHQV |QVNHPnO RFK EHKRY VDPW LQWH UHNRPPHQGHUD DQGUD O|V QLQJDU lQ VnGDQD VRP NDQ DQVHV OlPSOLJD I|U NRQVXPHQWHQ 5nGJLYDUHQ lU lYHQ VN\OGLJ DWW DYUnGD NRQVXPHQWHQ IUnQ DWW YLGWD nWJlUGHU VRP LQWH NDQ DQVHV OlPSOLJD PHG KlQV\Q WLOO NRQVXPHQWHQV EHKRY HNRQRPLVND I|UKnOODQGHQ RFK DQGUD RPVWlQGLJKHWHU

Redan föreslagna ändringar

6RP HQ DY IOHUD nWJlUGHU I|U DWW XSSQn HQ OLNDUWDG UHJOHULQJ I|U DOOD DNW|UHU VRP XWI|U UnGJLYQLQJ Sn ILQDQVPDUNQDGVRPUnGHW I|UHVOnV L SURS DWW IRQGERODJ RFK $,) I|UYDOWDUH VRP OlPQDU UnG RP DQGHODU L IRQGHU LQRP UDPHQ I|U VLQ IRQGYHUNVDPKHW VND WLOOlPSD EH VWlPPHOVHU RP LQYHVWHULQJVUnGJLYQLQJ L ODJHQ RP YlUGHSDSSHUVPDUN QDGHQ V ± 'HW I|UVODJHW LQQHElU DWW L KXYXGVDN VDPPD UHJHOYHUN NRPPHU DWW JlOOD RDYVHWW RP GHW lU HWW YlUGHSDSSHUVLQVWLWXW HWW IRQGERODJ HOOHU HQ $,) I|UYDOWDUH VRP OlPQDU UnG Sn ILQDQVPDUNQDGV RPUnGHW (QOLJW I|UVODJHW VND IRQGERODJ RFK $,) I|UYDOWDUH QlU GH XWI|U UnGJLYQLQJ RP DQGHODU L IRQGHU LQRP IRQGYHUNVDPKHWHQ WLOOlPSD EHVWlP PHOVHUQD L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ RP LQWUHVVHNRQIOLNWHU RP NRPSHWHQVNUDY I|U GHQ SHUVRQDO VRP WLOOKDQGDKnOOHU UnGJLYQLQJ RP OlPSOLJKHWVEHG|PQLQJ RFK UHJOHU RP UDSSRUWHULQJ RFK OlPSOLJKHWV I|UNODULQJ WLOO NXQG )RQGERODJ RFK $,) I|UYDOWDUH VND HQOLJW I|UVODJHW lYHQ WLOOlPSD EHVWlPPHOVHUQD L VDPPD ODJ RP HUVlWWQLQJVV\VWHP LQIRUPDWLRQ WLOO NXQG YLG LQYHVWHULQJVUnGJLYQLQJ RP HUVlWWQLQJDU VRP EHWDODV WLOO RFK WDV HPRW IUnQ WUHGMHSDUW RFK RP LQGHOQLQJ DY NXQGHU L NDWHJRULHU 'HWVDPPD VND JlOOD I|U I|UYDOWQLQJVERODJ RFK XWOlQGVND $,) I|UYDOWDUH VRP GULYHU YHUNVDPKHW IUnQ ILOLDO L 6YHULJH

, VDPPD SURSRVLWLRQ DYVQLWW I|UHVOnV DWW GH RYDQ QlPQD EHVWlP PHOVHUQD L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ VND WLOOlPSDV RP HWW IRQG ERODJ HOOHU HQ $,) I|UYDOWDUH OlPQDU UnG RP DQGHODU L IRQGHU LQRP UDPHQ I|U VLQ IRQGYHUNVDPKHW WLOO LFNH SURIHVVLRQHOOD NXQGHU 'HW LQQHElU HQ

VNLOOQDG L I|UKnOODQGH WLOO I|UVODJHW IUnQ nUV YlUGHSDSSHUVPDUNQDGV

opaginerad Bör tillämpningsområdet utvidgas till att omfatta råd om andelar i fonder till alla kunder? Kontrollera mot PDF

XWUHGQLQJ VRP LQQHEDU DWW UHJOHUQD L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ VND WLOOlPSDV QlU UnG OlPQDV WLOO NRQVXPHQWHU )LQDQVLQVSHNWLRQHQ I|UH VORJ L VLWW UHPLVVYDU DWW UHJOHUQD E|U JlOOD L I|UKnOODQGH WLOO DOOD NXQGHU RFK LQWH HQEDUW NRQVXPHQWHU 5HJHULQJHQ JMRUGH HPHOOHUWLG EHG|PQLQJHQ DWW GHW VNXOOH LQQHElUD HQ VnGDQ XWYLGJQLQJ DY WLOOlPSQLQJVRPUnGHW VRP VNXOOH NUlYD |YHUYlJDQGHQ VRP GHW LQWH IDQQV XWU\PPH I|U DWW J|UD LQRP UDPHQ I|U GHW ODJVWLIWQLQJVlUHQGHW 5HJHULQJHQ DQVnJ GRFN DWW PDQ L VWlOOHW ERUGH XWJn IUnQ GH NXQGNDWHJRULHU VRP DQYlQGV L 0L),' ,, LFNH SURIHVVLRQHOO NXQG RFK SURIHVVLRQHOO NXQG , QlPQGD SURSRVLWLRQ I|UHVOnV DWW UHJOHUQD VND WLOOlPSDV QlU UnG OlPQDV WLOO HQ LFNH SURIHVVLRQHOO NXQG

.XQGNDWHJRULQ LFNH SURIHVVLRQHOO NXQG |YHUHQVVWlPPHU WLOO VWRU GHO RP lQ LQWH KHOW PHG GHW VRP DYVHV PHG NRQVXPHQW

Bör tillämpningsområdet utvidgas till att omfatta råd om andelar i fonder till alla kunder?

, V\IWH DWW XSSQn HQ PHU OLNDUWDG UHJOHULQJ Sn ILQDQVPDUNQDGVRPUnGHW E|U VDPPD UHJOHU JlOOD L I|UKnOODQGH WLOO DOOD NXQGHU RDYVHWW RP GH lU LFNH SURIHVVLRQHOOD NXQGHU HOOHU SURIHVVLRQHOOD NXQGHU )RQGERODJ RFK $,) I|UYDOWDUH E|U GlUI|U L OLNKHW PHG YlUGHSDSSHUVLQVWLWXW WLOOlPSD EHVWlPPHOVHUQD L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ QlU GH OlPQDU UnG RP DQGHODU L IRQGHU WLOO NXQGHU 'H EHVWlPPHOVHU L ODJHQ RP YlUGHSDS SHUVPDUNQDGHQ VRP IRQGERODJ RFK $,) I|UYDOWDUH HQOLJW I|UVODJHW L RYDQ QlPQGD SURSRVLWLRQ VND WLOOlPSD YLG UnGJLYQLQJ RP DQGHODU L IRQGHU LQRP UDPHQ I|U VLQ IRQGYHUNVDPKHW E|U GlUI|U WLOOlPSDV YLG VnGDQ UnG JLYQLQJ WLOO DOOD NXQGHU 'HWVDPPD E|U JlOOD I|U XWOlQGVND I|UYDOWQLQJV ERODJ RFK $,) I|UYDOWDUH VRP GULYHU YHUNVDPKHW IUnQ ILOLDO L 6YHULJH

Bemyndigande att meddela föreskrifter

'H UHJOHU L 0L),' ,, VRP IRQGERODJ RFK $,) I|UYDOWDUH HQOLJW I|UVODJHW L RYDQ QlPQGD SURSRVLWLRQ VND WLOOlPSD QlU GH XWI|U UnGJLYQLQJ RP DQ GHODU L IRQGHU LQRP UDPHQ I|U VLQ IRQGYHUNVDPKHW NRPSOHWWHUDV DY GHWDOM HUDGH UHJOHU L GHW GHOHJHUDGH GLUHNWLYHW WLOO 0L),' ,, RFK GHQ GHOHJHUDGH I|URUGQLQJHQ WLOO 0L),' ,, , SURSRVLWLRQHQ DQJHV DWW DYVLNWHQ lU DWW GHW L I|UHYDUDQGH SURPHPRULD VND LQJn I|UVODJ WLOO HWW EHP\QGLJDQGH I|U UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU DWW PHGGHOD I|UHVNULIWHU VRP J|U GHW P|MOLJW DWW WLOOlPSD UHJOHUQD L GHW GHOHJHUDGH GLUHNWLYHW WLOO 0L),' ,, RFK GHQ GHOHJHUDGH I|URUGQLQJHQ WLOO 0L),' ,, lYHQ Sn IRQGERODJ RFK $,) I|UYDOWDUH QlU GH XWI|U VnGDQ UnGJLYQLQJ V I , HQOLJKHW PHG GHW E|U GlUI|U UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU In PHGGHOD I|UHVNULIWHU RP YLOND nWJlUGHU HWW IRQGERODJ RFK HQ $,) I|UYDOWDUH VND YLGWD I|U DWW XSSI\OOD GH NUDY VRP JlOOHU QlU GH XWI|U UnGJLYQLQJ RP DQGHODU L IRQGHU LQRP UDPHQ I|U VLQ IRQGYHUNVDPKHW

opaginerad 7LOOKDQGDKnOODQGH DY LQIRUPDWLRQ RP NODJRPnO HQOLJW GHQ GHOHJHUDGH I|URUGQLQJHQ WLOO 0L),' ,, Kontrollera mot PDF

7LOOKDQGDKnOODQGH DY LQIRUPDWLRQ RP NODJRPnO HQOLJW GHQ GHOHJHUDGH I|URUGQLQJHQ WLOO 0L),' ,,

,QOHGQLQJ

, DYVQLWW EHKDQGODV HQ IUnJD VRP LQWH DYVHU JHQRPI|UDQGHW L VYHQVN UlWW DY I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW XWDQ YLVVD NUDY VRP I|OMHU DY (XURSDSDUODPHQWHWV RFK UnGHWV GLUHNWLY (8 RP PDUNQDGHU I|U ILQDQVLHOOD LQVWUXPHQW RFK RP lQGULQJ DY GLUHNWLY (* RFK DY GLUHNWLY (8 I|UNRUWDW 0L),' ,, , SURS I|UHVOnV DWW 0L),' ,, VND JHQRPI|UDV L VYHQVN UlWW L KXYXGVDN JHQRP lQGULQJDU L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ RFK DWW )LQDQVLQVSHNWLRQHQ VND YDUD EHK|ULJ P\QGLJKHW L 6YHULJH 5HJOHUQD L 0L),' ,, NRPSOHWWHUDV L PnQJD IDOO DY GHWDOMHUDGH UHJOHU L UlWWVDNWHU VRP DQWDV DY NRPPLVVLRQHQ (Q VnGDQ UlWWVDNW lU NRPPLVVLRQHQV GHOHJHUDGH I|URUGQLQJ (8 DY GHQ DSULO &> @ ILQDO RP NRPSOHWWHULQJ DY (XURSDSDUOD PHQWHWV RFK UnGHWV GLUHNWLY (* YDG JlOOHU RUJDQLVDWRULVND NUDY RFK YLOONRU I|U YHUNVDPKHWHQ L YlUGHSDSSHUVI|UHWDJ RFK GHILQLWLRQHU I|U WLOOlPSQLQJ DY GHW GLUHNWLYHW L GHW I|OMDQGH EHQlPQG GHQ GHOHJHUDGH I|URUGQLQJHQ WLOO 0L),' ,, 'HQ GHOHJHUDGH I|URUGQLQJHQ WLOO 0L),' ,, VRP lU GLUHNW WLOOlPSOLJ L PHGOHPVVWDWHUQD VND E|UMD WLOOlPSDV VDPWLGLJW VRP GH ODJDU RFK DQGUD I|UIDWWQLQJDU VRP JHQRPI|U 0L),' ,, GYV GHQ MDQXDUL , DYVQLWW EHKDQGODV IUnJDQ RP EHKRYHW DY NRPSOHWW HUDQGH EHVWlPPHOVHU L VYHQVN UlWW PHG DQOHGQLQJ DY HWW NUDY L GHQ GHOHJHUDGH I|URUGQLQJHQ WLOO 0L),' ,, Sn DWW YlUGHSDSSHUVI|UHWDJ VND WLOOKDQGDKnOOD GHQ EHK|ULJD P\QGLJKHWHQ LQIRUPDWLRQ RP NODJRPnO IUnQ NXQGHU RFK RP KDQWHULQJHQ DY VnGDQD NODJRPnO DUWLNHO

%HP\QGLJDQGH DWW PHGGHOD I|UHVNULIWHU

3URPHPRULDQV I|UVODJ 5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP

UHJHULQJHQ EHVWlPPHU InU PHGGHOD I|UHVNULIWHU RP KXU YlUGHSDSSHUV

LQVWLWXW VND IXOOJ|UD VN\OGLJKHWHQ DWW WLOOKDQGDKnOOD )LQDQVLQVSHNWLRQHQ

LQIRUPDWLRQ RP NODJRPnO RFK KDQWHULQJ DY NODJRPnO HQOLJW DUWLNHO

L GHQ GHOHJHUDGH I|URUGQLQJHQ WLOO 0L),' ,,

6NlOHQ I|U SURPHPRULDQV I|UVODJ

Krav enligt den delegerade förordningen till MiFID II

, 0L),' ,, ILQQV NUDY Sn PHGOHPVVWDWHUQD DWW EO D VlNHUVWlOOD XSSUlWW DQGHW DY HIIHNWLYD RFK lQGDPnOVHQOLJD NODJRPnOVI|UIDUDQGHQ XWDQI|U GRPVWRO I|U NRQVXPHQWWYLVWHU U|UDQGH YlUGHSDSSHUVI|UHWDJV WLOOKDQGD KnOODQGH DY LQYHVWHULQJV RFK VLGRWMlQVWHU DUWLNHO 'HVVD UHJOHU L 0L),' ,, PRWVYDUDU L KXYXGVDN UHJOHUQD HQOLJW GHW GLUHNWLY VRP 0L),' ,, HUVlWWHU RFK VRP KDU JHQRPI|UWV L VYHQVN UlWW 5HJHULQJHQ KDU YLG JHQRPI|UDQGHW DY 0L),' ,, PHG KlQYLVQLQJ WLOO DWW NUDYHQ UHGDQ InU

opaginerad Gällande rätt Kontrollera mot PDF

DQVHV WLOOJRGRVHGGD L VYHQVN UlWW JMRUW EHG|PQLQJHQ DWW QnJRQ ODJVWLIW QLQJVnWJlUG LQWH lU SnNDOODG VH SURS V

, GHQ GHOHJHUDGH I|URUGQLQJHQ WLOO 0L),' ,, ILQQV NRPSOHWWHUDQGH EHVWlPPHOVHU WLOO UHJOHUQD L 0L),' ,, RP KDQWHULQJ DY NODJRPnO 'lU DQ JHV EO D DWW YlUGHSDSSHUVI|UHWDJHQ VND WLOOKDQGDKnOOD GH EHK|ULJD P\Q GLJKHWHUQD LQIRUPDWLRQ RP NODJRPnO RFK KDQWHULQJ DY NODJRPnO DUWLNHO (QOLJW I|URUGQLQJHQ JlOOHU GHVVD NUDY lYHQ NUHGLWLQVWLWXW VRP WLOO KDQGDKnOOHU LQYHVWHULQJVWMlQVWHU HOOHU XWI|U LQYHVWHULQJVYHUNVDPKHW DUWLNHO , VYHQVN UlWW EHQlPQV VnGDQD I|UHWDJ VRP L (8 UlWWHQ EH QlPQV YlUGHSDSSHUVI|UHWDJ YlUGHSDSSHUVERODJ QlU GH lU VYHQVND 7HUPHQ YlUGHSDSSHUVLQVWLWXW VDNQDU PRWVYDULJKHW L (8 UlWWHQ RFK DQ YlQGV L VYHQVN UlWW VRP JHPHQVDP EHWHFNQLQJ I|U YlUGHSDSSHUVERODJ VYHQVND NUHGLWLQVWLWXW VRP KDU WLOOVWnQG DWW GULYD YlUGHSDSSHUVU|UHOVH RFK XWOlQGVND I|UHWDJ VRP GULYHU YlUGHSDSSHUVU|UHOVH IUnQ ILOLDO L 6YHULJH

.UDYHQ L GHQ GHOHJHUDGH I|URUGQLQJHQ WLOO 0L),' ,, JlOOHU VnOHGHV I|U DOOD GHVVD I|UHWDJ

6\IWHW PHG NUDYHQ L GHQ GHOHJHUDGH I|URUGQLQJHQ WLOO 0L),' ,, lU DWW J|UD ILQDQVPDUNQDGHUQD PHU WUDQVSDUHQWD RFK VlNUD VDPW I|UElWWUD LQYHVWHUDUQDV I|UWURHQGH RFK GHOWDJDQGH Sn GHVVD PDUNQDGHU 'H V\IWDU lYHQ WLOO DWW |ND GH ILQDQVLHOOD PDUNQDGHUQDV VWDELOLWHW RFK WLOOI|UOLWOLJKHW 'HW I|UXWVlWWV YLGDUH HQOLJW I|URUGQLQJHQ DWW UDSSRUWHULQJVVN\OGLJKHWHQ VND JlOOD NODJRPnO IUnQ VnYlO EHILQWOLJD VRP SUHVXPWLYD NXQGHU VNlO RFK DWW VN\GGHW I|U SHUVRQXSSJLIWHU EHDNWDV YLG EHKDQGOLQJ DY VnGDQD XSSJLIWHU DYVHHQGH NXQGHU RFK WMlQVWHU VRP WLOOKDQGDKnOOV NXQGHU VNlOHQ RFK .UDYHQ L GHQ GHOHJHUDGH I|URUGQLQJHQ P|MOLJJ|U I|U )LQDQV LQVSHNWLRQHQ DWW In NlQQHGRP RP VDPWOLJD LQNRPQD NODJRPnO RFK GlU PHG lYHQ P|MOLJKHW DWW YLGWD HYHQWXHOOD nWJlUGHU PHG DQOHGQLQJ DY GHVVD 6DPWOLJD NODJRPnO VRP LQNRPPHU WLOO )LQDQVLQVSHNWLRQHQ UHJLVWUHUDV RFK DQYlQGV DY LQVSHNWLRQHQ LQRP UDPHQ I|U GHVV WLOOV\Q

Gällande rätt

9lUGHSDSSHUVLQVWLWXW VND HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ OlPQD )LQDQVLQVSHNWLRQHQ XSSO\VQLQJDU RP VLQ YHUNVDPKHW RFK GlUPHG VDPPDQKlQJDQGH RPVWlQGLJKHWHU HQOLJW I|UHVNULIWHU VRP PHGGHODWV PHG VW|G DY ODJHQ NDS † I|UVWD VW\FNHW )|U |YHUYDNQLQJHQ DY DWW EHVWlPPHOVHUQD L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ RFK I|UHVNULIWHU PHGGHODGH PHG VW|G DY ODJHQ I|OMV InU )LQDQVLQVSHNWLRQHQ lYHQ EHJlUD DWW HWW I|UHWDJ HOOHU QnJRQ DQQDQ WLOOKDQGDKnOOHU XSSJLIWHU KDQGOLQJDU HOOHU DQQDW NDS † I|UVWD VW\FNHW 5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU PHGGHOD I|UHVNULIWHU RP YLOND XSSO\VQLQJDU HWW YlUGHSDSSHUVLQVWLWXW VND OlPQD WLOO )LQDQVLQVSHNWLRQHQ RFK QlU XSSO\V QLQJDUQD VND OlPQDV VDPW KXU VN\OGLJKHWHQ DWW WLOOKDQGDKnOOD XSSJLIWHU KDQGOLQJDU HOOHU DQQDW VND IXOOJ|UDV NDS † RFK 5HJHULQJHQ KDU EHP\QGLJDW )LQDQVLQVSHNWLRQHQ DWW PHGGHOD VnGDQD I|UHVNULIWHU VH NDS † RFK I|URUGQLQJHQ > @ RP YlUGHSDSSHUVPDUN QDGHQ RFK )LQDQVLQVSHNWLRQHQV I|UHVNULIWHU >)))6 @ RP YlUGH SDSSHUVU|UHOVH (WW YlUGHSDSSHUVLQVWLWXW VND XW|YHU GH XSSO\VQLQJDU VRP GHW VND OlPQD HQOLJW GHVVD I|UHVNULIWHU lYHQ OlPQD )LQDQVLQVSHNWLRQHQ GH XSSO\VQLQJDU VRP LQVSHNWLRQHQ EHJlU NDS † WUHGMH VW\FNHW ODJHQ

RP YlUGHSDSSHUVPDUNQDGHQ

opaginerad Behov av kompletterande åtgärder i svensk rätt Kontrollera mot PDF

Behov av kompletterande åtgärder i svensk rätt

$Y GHQ GHOHJHUDGH I|URUGQLQJHQ WLOO 0L),' ,, I|OMHU DWW YlUGHSDSSHUV LQVWLWXW VND WLOOKDQGDKnOOD EHK|ULJD P\QGLJKHWHU LQIRUPDWLRQ RP NODJR PnO RFK KDQWHULQJ DY NODJRPnO DUWLNHO )LQDQVLQVSHNWLRQHQ E|U VRP EHK|ULJ P\QGLJKHW L 6YHULJH KD P|MOLJKHW DWW I|UHVNULYD KXU RFK L YLONHQ RPIDWWQLQJ VnGDQ LQIRUPDWLRQ VND OlPQDV WLOO LQVSHNWLRQHQ 6RP IUDPJnU RYDQ WDU JlOODQGH UlWW VLNWH Sn VLWXDWLRQHU GlU )LQDQVLQVSHNWLRQHQ Sn EHJlUDQ GYV LQWH O|SDQGH KlPWDU LQ LQIRUPDWLRQ RFK P|MOLJJ|U I|U UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU DWW I|UHVNULYD YLOND XSSJLIWHU VRP VND OlPQDV PHQ LQWH KXU GH VND OlPQDV (IWHUVRP GH QX DNWXHOOD UHJOHUQD L GHQ GHOHJHUDGH I|URUGQLQJHQ WLOO 0L),' ,, DYVHU HQ O|SDQGH NODJRPnOVUDSSRUWHULQJ RFK GHW GlUPHG EOLU IUnJD RP HQ VWRU PlQJG GDWD VRP VND KDQWHUDV lU OlPSOLJW DWW I|UHVNULIWVUlWWHQ DYJUlQVDV WLOO IUnJDQ RP KXU UDSSRUWHULQJVVN\OGLJKHWHQ VND IXOOJ|UDV GYV IRUPHQ I|U UDSSRUWHULQJHQ 'HQ GHOHJHUDGH I|URUGQLQJHQ WLOO 0L),' ,, JHU RFNVn XWU\PPH I|U HQ VnGDQ I|UHVNULIWVUlWW %HP\QGLJDQGHW E|U GlUI|U XWIRUPDV Vn DWW UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU PHGGHOD I|UHVNULIWHU RP KXU YlUGHSDSSHUVLQVWLWXW VND WLOOKDQGDKnOOD LQIRUPDWLRQ RP NODJRPnO RFK KDQWHULQJ DY NODJRPnO HQOLJW GHQ GHOH JHUDGH I|URUGQLQJHQ WLOO 0L),' ,, I|U DWW XSSJLIWVVN\OGLJKHWHQ HQOLJW I|U RUGQLQJHQ DUWLNHO VND IXOOJ|UDV (WW VnGDQW EHP\QGLJDQGH L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ P|MOLJJ|U HQ VHQDUH I|UHVNULIWVUlWW WLOO )LQDQVLQVSHNWLRQHQ L I|URUGQLQJHQ RP YlUGHSDSSHUVPDUNQDGHQ QlU GHW JlOOHU IRUPHQ I|U XSSJLIWVOlPQDQGHW

,NUDIWWUlGDQGH RFK |YHUJnQJVEHVWlPPHOVHU

,NUDIWWUlGDQGH

3URPHPRULDQV I|UVODJ /DJHQ RP I|UVlNULQJVGLVWULEXWLRQ VND WUlGD L NUDIW GHQ IHEUXDUL *HQRP ODJHQ XSSKlYV ODJHQ RP I|UVlN ULQJVI|UPHGOLQJ bYHQ GH |YULJD ODJlQGULQJDU VRP I|UHVOnV VND WUlGD L NUDIW GHQ IHEUXDUL PHG XQGDQWDJ DY HQ ODJ RP lQGULQJ L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ VRP VND WUlGD L NUDIW GHQ MDQXDUL

6NlOHQ I|U SURPHPRULDQV I|UVODJ (QOLJW I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW VND PHGOHPVVWDWHUQD VHQDVW GHQ IHEUXDUL VlWWD L NUDIW GH ODJDU RFK I|UIDWWQLQJDU VRP lU Q|GYlQGLJD I|U DWW I|OMD GLUHNWLYHW DUWLNHO I|UVWD VW\FNHW )|U DWW XSSI\OOD GHW NUDYHW E|U ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ WUlGD L NUDIW GHQ IHEUXDUL 'HWVDPPD E|U JlOOD GH |YULJD ODJlQGULQJDU VRP I|UHVOnV L GHQQD SURPHPRULD PHG XQGDQWDJ DY EHVWlPPHOVHQ L NDS † ODJHQ RP YlUGHSDSSHUV PDUNQDGHQ VH DYVQLWW 'HQ ODJlQGULQJHQ I|UHVOnV WUlGD L NUDIW GHQ MDQXDUL GYV YLG GHQ WLGSXQNW Gn |YULJD ODJlQGULQJDU VRP JHQRPI|U 0L),' ,, L VYHQVN UlWW VND WUlGD L NUDIW VH SURS V

opaginerad gYHUJnQJVEHVWlPPHOVHU I|U I|UVlNULQJV I|UPHGOLQJ Kontrollera mot PDF

)|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW VND HQOLJW I|UVlNULQJVGLVWULEXWLRQV

GLUHNWLYHW DUWLNHO I|UVWD VW\FNHW XSSK|UD DWW JlOOD PHG YHUNDQ IUnQ RFK PHG GHQ IHEUXDUL /DJHQ RP I|UVlNULQJVI|UPHGOLQJ E|U GlUI|U XSSK|UD DWW JlOOD YLG GHQ WLGSXQNWHQ

gYHUJnQJVEHVWlPPHOVHU I|U I|UVlNULQJV I|UPHGOLQJ

3URPHPRULDQV I|UVODJ (WW WLOOVWnQG DWW XW|YD I|UVlNULQJVI|UPHGOLQJ HQOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ VND JlOOD VRP HWW WLOOVWnQG HQOLJW ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ DWW EHGULYD I|UVlNULQJVGLVWUL EXWLRQ VRP I|UVlNULQJVI|UPHGODUH

)|UVlNULQJVI|UPHGODUH IUnQ DQGUD OlQGHU LQRP ((6 VRP XW|YDU I|UVlNULQJVI|UPHGOLQJ L 6YHULJH HIWHU XQGHUUlWWHOVH HQOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ VND KD UlWW DWW EHGULYD I|UVlNULQJVGLVWULEXWLRQ VRP ((6 I|UVlNULQJVI|UPHGODUH L 6YHULJH

6NlOHQ I|U SURPHPRULDQV I|UVODJ )|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW LQQHElU LQWH QnJRQ lQGULQJ QlU GHW JlOOHU NUDYHW Sn UHJLVWUHULQJ I|U I|UVlNULQJVI|UPHGODUH VH DUWLNHO L I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW RFK DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW %HVNULYQLQJHQ DY YHUN VDPKHWHQ I|UVlNULQJVI|UPHGOLQJ L I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW DY YLNHU LQWH KHOOHU L JUXQGHQ IUnQ EHVNULYQLQJHQ DY YHUNVDPKHWHQ I|UVlN ULQJVGLVWULEXWLRQ L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW VH DUWLNHO L I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW RFK DUWLNHO L I|UVlNULQJVGLVWULEX WLRQVGLUHNWLYHW

%HILQWOLJD WLOOVWnQG DWW XW|YD I|UVlNULQJVI|UPHGOLQJ HQOLJW ODJHQ RP

I|UVlNULQJVI|UPHGOLQJ E|U GlUI|U IRUWVlWWD DWW JlOOD VRP WLOOVWnQG HQOLJW ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ DWW EHGULYD I|UVlNULQJVGLVWULEXWLRQ VRP I|UVlNULQJVI|UPHGODUH 'HWWD E|U DQJHV L HQ |YHUJnQJVEHVWlPPHOVH 0HG WLOOVWnQG DWW XW|YD I|UVlNULQJVI|UPHGOLQJ HQOLJW ODJHQ RP I|UVlNULQJV I|UPHGOLQJ DYVHV LQWH EDUD WLOOVWnQG HQOLJW NDS † XWDQ lYHQ WLOOVWnQG I|U XWOlQGVND I|UVlNULQJVI|UPHGODUH IUnQ WUHGMHODQG HQOLJW NDS † GHQ ODJHQ

1lU GHW JlOOHU XWOlQGVND I|UVlNULQJVI|UPHGODUH IUnQ DQGUD OlQGHU LQRP ((6 VRP XW|YDU I|UVlNULQJVI|UPHGOLQJ L 6YHULJH HIWHU XQGHUUlWWHOVH HQOLJW NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ E|U GHVVD PRW EDNJUXQG DY GHW VRP DQJHV RYDQ LQWH EHK|YD XQGHUUlWWD Sn Q\WW RP VLQ DYVLNW DWW EHGULYD YHUNVDPKHW |YHU JUlQVHUQD 'HQQD JUXSS DY I|UVlNULQJVI|U PHGODUH E|U DOOWVn In UlWW DWW PHG VW|G DY GHQ WLGLJDUH XQGHUUlWWHOVHQ EHGULYD I|UVlNULQJVGLVWULEXWLRQ VRP ((6 I|UVlNULQJVI|UPHGODUH L 6YHULJH

6RP DQJHV RYDQ VND GHW LQWH NUlYDV QnJRW Q\WW WLOOVWnQG HOOHU I|UQ\DG XQGHUUlWWHOVH RP YHUNVDPKHW |YHU JUlQVHUQD I|U DWW In IRUWVlWWD EHGULYD I|UVlNULQJVGLVWULEXWLRQ 'H VRP RPIDWWDV DY |YHUJnQJVEHVWlPPHOVHUQD VND HPHOOHUWLG VHQDVW GHQ IHEUXDUL YDUD VN\OGLJD DWW XSSI\OOD GH \WWHUOLJDUH NUDYHQ Sn NXQVNDS RFK NRPSHWHQV VH DYVQLWW 1lU GHW JlOOHU |YULJD NUDY Sn I|UVlNULQJVGLVWULEXW|UHU VRP VWlOOV XSS HQOLJW GHQ

Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ VND GHVVD XSSI\OODV IU R P GHQ

opaginerad gYHUJnQJVEHVWlPPHOVHU I|U DQNQXWQD I|UVlNULQJVI|UPHGODUH Kontrollera mot PDF

IHEUXDUL 2P GHVVD NUDY LQWH XSSI\OOV NRPPHU LQJULSDQGH HQOLJW

EHVWlPPHOVHUQD L GHQ ODJHQ DWW NXQQD DNWXDOLVHUDV

gYHUJnQJVEHVWlPPHOVHU I|U DQNQXWQD I|UVlNULQJVI|UPHGODUH

3URPHPRULDQV I|UVODJ 5HJLVWUHULQJ VRP DQNQXWHQ I|UVlNULQJV I|UPHGODUH PHG I|UVlNULQJVI|UPHGOLQJ VRP KXYXGVDNOLJ YHUNVDPKHW HQOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ VND JlOOD VRP UHJLVWUHULQJ VRP DQNQXWHQ I|UVlNULQJVI|UPHGODUH HQOLJW ODJHQ RP I|UVlNULQJVGLVWUL EXWLRQ XQGHU I|UXWVlWWQLQJ DWW I|UVlNULQJVI|UPHGODUHQ LQWH VND GLVWUL EXHUD I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU

$QNQXWQD I|UVlNULQJVI|UPHGODUH PHG I|UVlNULQJVI|UPHGOLQJ VRP KXYXGVDNOLJ YHUNVDPKHW RFK VRP VND GLVWULEXHUD I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU RFK VRP YLG WLGSXQNWHQ I|U ODJHQV LNUDIW WUlGDQGH GULYHU VnGDQ YHUNVDPKHW InU GULYD YHUNVDPKHWHQ XWDQ WLOOVWnQG DWW XW|YD I|UVlNULQJVGLVWULEXWLRQ VRP I|UVlNULQJVI|UPHGODUH WLOO GHQ MDQXDUL HOOHU RP DQV|NDQ RP WLOOVWnQG DWW XW|YD I|UVlNULQJVGLVWULEXWLRQ VRP I|UVlNULQJVI|UPHGODUH KDU NRPPLW LQ WLOO )LQDQVLQVSHNWLRQHQ LQRP GHQQD WLG WLOO GHVV DQV|NDQ SU|YDWV VOXWOLJW

(Q UHJLVWUHULQJ VRP DQNQXWHQ I|UVlNULQJVI|UPHGODUH PHG DQQDQ KXYXGVDNOLJ YHUNVDPKHW lQ I|UVlNULQJVI|UPHGOLQJ HQOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ VND JlOOD VRP UHJLVWUHULQJ VRP DQNQXWHQ VLGR YHUNVDP I|UVlNULQJVI|UPHGODUH HQOLJW ODJHQ RP I|UVlNULQJVGLVWUL EXWLRQ

6NlOHQ I|U SURPHPRULDQV I|UVODJ %HJUHSSHW DQNQXWHQ I|UVlNULQJV I|UPHGODUH NRPPHU DWW KD HQ DQQDQ LQQHE|UG HQOLJW GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ lQ YDG GHW KDU HQOLJW ODJHQ RP I|UVlNULQJV I|UPHGOLQJ 'H I|UPHGODUH YDUV KXYXGYHUNVDPKHW lU I|UVlNULQJVGLVWUL EXWLRQ RFK VRP L GDJ lU DQNQXWQD I|UVlNULQJVI|UPHGODUH HQOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ NDS † D NRPPHU L IRUWVlWWQLQJHQ DWW EHK|YD WLOOVWnQG DWW EHGULYD I|UVlNULQJVGLVWULEXWLRQ VRP I|UVlNULQJV I|UPHGODUH RP GH VND GLVWULEXHUD I|UVlNULQJVEDVHUDGH LQYHVWHULQJV SURGXNWHU HOOHU VnGDQD SHQVLRQVI|UVlNULQJDU VRP DYVHV L NDS † VH NDS † RFK NDS † GHQ Q\D ODJHQ 'HWWD LQQHElU EO D DWW GHVVD I|UPHGODUH EHK|YHU XSSI\OOD NUDYHQ L GHQ XW|NDGH OlPSOLJKHWV SU|YQLQJHQ PHQ GH NRPPHU lYHQ IRUWVlWWQLQJVYLV DWW YDUD XQGDQWDJQD IUnQ NUDYHQ Sn HQ HJHQ DQVYDUVI|UVlNULQJ 'HVVD DQNQXWQD I|UVlNULQJV I|UPHGODUH E|U PHGJHV HQ YLVV |YHUJnQJVWLG I|U DWW V|ND HWW WLOOVWnQG DWW EHGULYD I|UVlNULQJVGLVWULEXWLRQ VRP DQNQXWHQ I|UVlNULQJVI|UPHGODUH 'H E|U In IRUWVlWWD DWW GULYD YHUNVDPKHWHQ VRP DQNQXWQD I|UVlNULQJV I|UPHGODUH WLOO GHQ MDQXDUL )|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW VRP LQWH LQQHKnOOHU QnJRQ PRWVYDUDQGH |YHUJnQJVUHJHO NDQ LQWH DQVHV XWJ|UD QnJRW KLQGHU PRW DWW HQ |YHUJnQJVEHVWlPPHOVH VRP GHQ I|UHYDUDQGH LQI|UV L VYHQVN UlWW 2P HQ VnGDQ I|UPHGODUH GHVVI|ULQQDQ KDU OlPQDW LQ HQ DQV|NDQ RP WLOOVWnQG DWW XW|YD I|UVlNULQJVGLVWULEXWLRQ VRP DQNQXWHQ I|UVlNULQJVI|UPHGODUH E|U I|UVlNULQJVI|UPHGODUHQ RFNVn

In IRUWVlWWD DWW EHGULYD YHUNVDPKHW VRP DQNQXWHQ I|UVlNULQJVI|UPHGODUH

opaginerad gYHUJnQJVEHVWlPPHOVHU I|U YHUNVDPKHW PHG VLGRWLOOVWnQG Kontrollera mot PDF

WLOO GHVV DQV|NDQ SU|YDWV VOXWOLJW GYV JHQRP HWW EHVOXW HOOHU HQ GRP VRP KDU InWW ODJD NUDIW 'HWWD E|U DQJHV L HQ |YHUJnQJVEHVWlPPHOVH

'H |YULJD I|UVlNULQJVI|UPHGODUH KDU I|UVlNULQJVGLVWULEXWLRQ VRP KXYXGVDNOLJ YHUNVDPKHW RFK lU DQNQXWQD HQOLJW ODJHQ RP I|UVlNULQJV I|UPHGOLQJ NDS † D GYV GH VRP LQWH VND GLVWULEXHUD I|UVlNULQJV EDVHUDGH LQYHVWHULQJVSURGXNWHU NRPPHU DOOWVn LQWH DWW RPIDWWDV DY WLOOVWnQGVSOLNW HQOLJW GHQ Q\D ODJHQ XWDQ L VWlOOHW DY GHQ VlUVNLOGD

RUGQLQJHQ I|U UHJLVWUHULQJ )|U GHQQD JUXSS DY I|UVlNULQJVI|UPHGODUH OLNVRP I|U GH I|UVlNULQJVI|UPHGODUH VRP L GDJ inte KDU I|UVlNULQJV I|UPHGOLQJ VRP VLQ KXYXGVDNOLJD YHUNVDPKHW RFK VRP lU DQNQXWQD I|UVlNULQJVI|UPHGODUH HQOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ NDS † E PHGI|U XSSKlYDQGHW DY ODJHQ RP I|UVlNULQJVI|UPHGOLQJ LQWH QnJRQ lQGULQJ L GH JUXQGOlJJDQGH UlWWVOLJD I|UXWVlWWQLQJDUQD I|U DWW GULYD YHUNVDPKHW 'HVVD I|UVlNULQJVI|UPHGODUH VRP KDU GHW JHPHQVDPPD DWW GH RPIDWWDV DY GHQ VlUVNLOGD RUGQLQJHQ I|U UHJLVWUHULQJ E|U GlUI|U NXQQD IRUWVlWWD DWW GULYD VLQ YHUNVDPKHW HQOLJW GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ XWDQ DWW EHK|YD UHJLVWUHUD VLJ Sn Q\WW 'HUDV UHGDQ JMRUGD UHJLVWUHULQJDU E|U JlOOD lYHQ HQOLJW ODJHQ RP I|UVlNULQJV GLVWULEXWLRQ bYHQ GHWWD E|U DQJHV L HQ |YHUJnQJVEHVWlPPHOVH

gYHUJnQJVEHVWlPPHOVHU I|U YHUNVDPKHW PHG VLGRWLOOVWnQG

3URPHPRULDQV I|UVODJ )|UVlNULQJVI|UPHGODUH VRP YLG WLGSXQNWHQ I|U LNUDIWWUlGDQGH DY ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ KDU WLOOVWnQG DWW GULYD VLGRYHUNVDPKHW PHG IRQGDQGHODU InU GULYD VLGRYHUNVDPKHWHQ WLOO GHQ MDQXDUL HOOHU RP HQ DQV|NDQ RP WLOOVWnQG WLOO YlUGHSDSSHUV U|UHOVH HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ KDU NRPPLW LQ WLOO )LQDQVLQVSHNWLRQHQ LQRP GHQQD WLG WLOO GHVV DQV|NDQ SU|YDWV VOXWOLJW (IWHU GHQ MDQXDUL VND HWW WLOOVWnQG DWW GULYD VLGRYHUNVDPKHW HQ OLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ JlOOD VRP HWW WLOOVWnQG DWW GULYD VLGRYHUNVDPKHW HQOLJW ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ PHQ HQGDVW QlU GHW JlOOHU IRQGDQGHODU VRP VND LQJn VRP WLOOJnQJDU L HQ IRQG HOOHU GHSnI|UVlNULQJ

6NlOHQ I|U SURPHPRULDQV I|UVODJ 6RP I|UHVOnV L DYVQLWW NRPPHU GHW DWW ILQQDV NYDU HQ P|MOLJKHW I|U I|UVlNULQJVI|UPHGODUH DWW In HWW VlUVNLOW WLOOVWnQG DWW GULYD VLGRYHUNVDPKHW PHG IRQGDQGHODU LQYHVWHULQJVUnGJLYQLQJ (WW VnGDQW VLGRWLOOVWnQG NRPPHU DWW DYVH LQYHVWHULQJVUnGJLYQLQJ RP IRQGDQGHODU VRP lU WlQNWD DWW LQJn VRP WLOOJnQJDU L DQWLQJHQ HQ IRQG HOOHU GHSnI|UVlNULQJ

(Q DY GH VW|UUH I|UlQGULQJDUQD VRP I|UHVOnV L GHQQD SURPHPRULD QlU GHW JlOOHU VLGRWLOOVWnQG lU DWW GHW HQOLJW GHQ Q\D ODJHQ RP I|UVlNULQJV GLVWULEXWLRQ NUlYV DWW IRQGDQGHODUQD KDU DQNQ\WQLQJ WLOO HQ I|UVlNULQJ 'HQ I|UVlNULQJVI|UPHGODUH VRP |QVNDU IRUWVlWWD XWI|UD LQYHVWHULQJV WMlQVWHU VRP PRWWDJDQGH RFK YLGDUHEHIRUGUDQ DY RUGHU HOOHU LQYHVWHULQJV UnGJLYQLQJ DYVHHQGH IRQGDQGHODU VRP LQWH KDU HQ VnGDQ DQNQ\WQLQJ NRPPHU GlUI|U DWW EHK|YD DQV|ND RP WLOOVWnQG I|U YlUGHSDSSHUVU|UHOVH

HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ

opaginerad gYHUJnQJVEHVWlPPHOVHU I|U YHUNVDPKHW PHG VLGRWLOOVWnQG Kontrollera mot PDF

)|UVlNULQJVI|UPHGODUH VRP L GDJ GULYHU VLGRYHUNVDPKHW PHG IRQGDQGHODU VRP LQWH KDU QnJRQ DQNQ\WQLQJ WLOO I|UVlNULQJDU E|U In HQ YLVV WLG Sn VLJ DWW DYVOXWD GHQ YHUNVDPKHWHQ HOOHU RP GH Vn |QVNDU EHJUlQVD YHUNVDPKHWHQ WLOO DWW HQGDVW DYVH IRQGDQGHODU PHG DQNQ\WQLQJ WLOO HQ I|UVlNULQJ HOOHU DQV|ND RP WLOOVWnQG WLOO YlUGHSDSSHUVU|UHOVH 'HQ WLGHQ E|U OlPSOLJHQ O|SD WLOO GHQ MDQXDUL 'HWWD E|U UHJOHUDV L HQ |YHUJnQJVEHVWlPPHOVH )|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW EHU|U LQWH YDG VRP VND JlOOD I|U YHUNVDPKHW PHG VLGRWLOOVWnQG PHQ EHG|PV LQWH KHOOHU KLQGUD DWW HQ VnGDQ |YHUJnQJVEHVWlPPHOVH LQI|UV L VYHQVN UlWW )|UVODJHW L GHQQD SURPHPRULD RP HQ LQVNUlQNQLQJ DY GHQ YHUNVDPKHW VRP InU EHGULYDV PHG VW|G DY HWW VLGRWLOOVWnQG LQQHElU DWW 6YHULJH LQWH XWQ\WWMDU XQGDQWDJHW L 0L),' ,, DUWLNHO L OLND VWRU XWVWUlFNQLQJ VRP 6YHULJH XWQ\WWMDU PRWVYDUDQGH XQGDQWDJ L 0L),' , VH DYVQLWW (IWHUVRP XQGDQWDJHW lU IULYLOOLJW I|U PHGOHPVVWDWHUQD EHG|PV I|UVODJHW YDUD I|UHQOLJW PHG 0L),' ,, $Y VDPPD DQOHGQLQJ NDQ 0L),' ,, LQWH DQVHV XWJ|UD KLQGHU PRW DWW XQGHU HQ |YHUJnQJVSHULRG YDUD PHU WLOOnWDQGH L IUnJD RP YLONHQ YHUNVDPKHW VRP InU XW|YDV LQRP UDPHQ I|U HWW VLGRWLOOVWnQG

'H I|UVlNULQJVI|UPHGODUH VRP L GDJ KDU HWW VlUVNLOW WLOOVWnQG DWW GULYD VLGRYHUNVDPKHW PHG IRQGDQGHODU VRP LQWH KDU QnJRQ DQNQ\WQLQJ WLOO HQ I|UVlNULQJ E|U LQWH YDUD WYXQJQD DWW DQV|ND RP HWW Q\WW VLGRWLOOVWnQG HQOLJW ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ VRP HQOLJW I|UVODJHW t GHQQD SURPHPRULD HQGDVW NDQ DYVH IRQGDQGHODU PHG DQNQ\WQLQJ WLOO HQ I|UVlNULQJ VH DYVQLWW 7LOOVWnQG WLOO VLGRYHUNVDPKHW VRP PHGGHODWV HQOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ E|U GlUI|U HIWHU GHW DWW |YHUJnQJV SHULRGHQ O|SW XW JlOOD VRP WLOOVWnQG HQOLJW ODJHQ RP I|UVlNULQJV GLVWULEXWLRQ DWW XWI|UD LQYHVWHULQJVUnGJLYQLQJ DYVHHQGH IRQGDQGHODU VRP lU WlQNWD DWW LQJn VRP WLOOJnQJDU L DQWLQJHQ HQ IRQG HOOHU GHSnI|UVlNULQJ

)|UHYDUDQGH |YHUJnQJVEHVWlPPHOVH DYVHU EDUD WLOOVWnQGHW DWW GULYD YHUNVDPKHW PHG VLGRWLOOVWnQG 0L),' ,, XSSVWlOOHU L I|UKnOODQGH WLOO 0L),' , \WWHUOLJDUH NUDY I|U VnGDQ YHUNVDPKHW VRP PHG VW|G DY QlPQGD XQGDQWDJ L GLUHNWLYHW NDQ In EHGULYDV PHG VLGRWLOOVWnQG 'H EHVWlPPHOVHU VRP L VYHQVN UlWW JHQRPI|U GHVVD NUDY VND GRFN WLOOlPSDV Sn YHUNVDP KHWHQ IU R P GHQ IHEUXDUL , 0L),' ,, DQJHV DWW PHGOHPVVWDWHUQD VND WLOO NRPPLVVLRQHQ RFK (VPD VND DQPlOD RP GH XWQ\WWMDU GHQ XQGDQWDJVP|MOLJKHW VRP GLUHNWLYHW JHU RFK VlNHUVWlOOD DWW GHW L YDUMH DXNWRULVDWLRQ VRP EHYLOMDV L HQOLJKHW PHG GHQ RPQlPQV DWW GHQ EHYLOMDV L HQOLJKHW PHG XQGDQWDJHW L GLUHNWLYHW DUWLNHO 0L),' ,, .UDYHW L GHW VHQDUH OHGHW E|U LQWH XSSIDWWDV VRP HWW KLQGHU PRW DWW JHQRP HQ |YHUJnQJVEHVWlPPHOVH OnWD UHGDQ XWIlUGDGH VLGRWLOOVWnQG HQOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ JlOOD XQGHU DQJLYQD I|UXWVlWWQLQJDU VRP VLGR WLOOVWnQG HQOLJW GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ 'lUHPRW E|U GHW IUnQ )LQDQVLQVSHNWLRQHQV VLGD L VDPEDQG PHG |YHUJnQJHQ WLOO GHW Q\D UHJHOYHUNHW Sn OlPSOLJW VlWW NODUJ|UDV I|U I|UVlNULQJVI|UPHGODUH VRP KDU VLGRWLOOVWnQG DWW I|UXWVlWWQLQJDUQD I|U VLGRWLOOVWnQGHW DXNWRULVDWLRQHQ YLODU Sn HQ DQQDQ UlWWVOLJ JUXQG DUWLNHO 0L),' ,, 'HW NDQ lYHQ ILQQDV EHW\GDQGH I|UGHODU PHG DWW L DQVOXWQLQJ WLOO GHQQD LQIRUPDWLRQ OlPQD XSSO\VQLQJDU RP GH WLOONRPPDQGH NUDY VRP I|OMHU DY 0L),' ,, DUWLNHO RFK VRP VND JlOOD I|U YHUNVDPKHW VRP EHGULYV PHG VLGR WLOOVWnQG

opaginerad gYHUJnQJVEHVWlPPHOVH I|U NUDY Sn NXQVNDS Kontrollera mot PDF

gYHUJnQJVEHVWlPPHOVH I|U NUDY Sn NXQVNDS

RFK NRPSHWHQV

3URPHPRULDQV I|UVODJ (Q I|UVlNULQJVI|UPHGODUH VRP YLG LNUDIWWUlG DQGHW DY ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ KDU WLOOVWnQG HOOHU UHJLVWUH ULQJ DWW XW|YD I|UVlNULQJVI|UPHGOLQJ HQOLJW ODJHQ RP I|UVlNULQJVI|U PHGOLQJ VND VHQDVW GHQ IHEUXDUL XSSI\OOD GH Q\D NRPSHWHQV NUDYHQ L ODJHQ RFK L I|UHVNULIWHU VRP PHGGHODWV PHG VW|G DY GHQ

6NlOHQ I|U SURPHPRULDQV I|UVODJ (QOLJW I|UVlNULQJVI|UPHGOLQJV GLUHNWLYHW DUWLNHO VND PHGOHPVVWDWHUQD VH WLOO DWW I|UVlNULQJVI|UPHG ODUH VRP UHGDQ UHJLVWUHUDWV HQOLJW I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW VHQDVW GHQ IHEUXDUL I|OMHU GH EHVWlPPHOVHU L QDWLRQHOO ODJVWLIWQLQJ VRP JHQRPI|U UHJOHUQD L GLUHNWLYHW RP NXQVNDS RFK NRPSHWHQV KRV I|UVlN ULQJVGLVWULEXW|UHU DUWLNHO VH DYVQLWW

gYHUJnQJVUHJHOQ L GLUHNWLYHWV E|U JHQRPI|UDV L VYHQVN UlWW JHQRP HQ PRWVYDUDQGH |YHUJnQJVEHVWlPPHOVH L ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ (Q I|UVlNULQJVI|UPHGODUH VRP UHGDQ KDU WLOOVWnQG HOOHU UHJLVWUHULQJ HQOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ E|U GlULJHQRP LQWH EHK|YD XSSI\OOD GHVVD NUDY I|UUlQ VHQDVW GHQ IHEUXDUL

gYHUJnQJVEHVWlPPHOVH I|U WLGLJDUH LQJnQJQD DYWDO

3URPHPRULDQV I|UVODJ , IUnJD RP DYWDO RP I|UVlNULQJVI|UPHGOLQJ RFK I|UVlNULQJVDYWDO VRP KDU LQJnWWV I|UH LNUDIWWUlGDQGHW DY ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ VND lOGUH EHVWlPPHOVHU JlOOD 2P HQ I|UVlNULQJVGLVWULEXW|U JRGWDU HQ I|UOlQJQLQJ DY DYWDOHW HIWHU LNUDIW WUlGDQGHW VND GRFN GH Q\D EHVWlPPHOVHUQD JlOOD

6NlOHQ I|U SURPHPRULDQV I|UVODJ )|U W\GOLJKHWV VNXOO E|U GHW L |YHU JnQJVEHVWlPPHOVHU WLOO ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ DQJHV DWW lOGUH EHVWlPPHOVHU VND JlOOD I|U DYWDO RP I|UVlNULQJVI|UPHGOLQJ VRP KDU LQJnWWV I|UH ODJHQV LNUDIWWUlGDQGH (Q OLNQDQGH |YHUJnQJVEHVWlPPHOVH LQI|UGHV L DQVOXWQLQJ WLOO ODJHQ RP I|UVlNULQJVI|UPHGOLQJ VH SXQNWHQ L |YHUJnQJVEHVWlPPHOVHUQD WLOO GHQ ODJHQ 'HWVDPPD E|U JlOOD I|UVlN ULQJVDYWDO VRP KDU LQJnWWV I|UH LNUDIWWUlGDQGHW DY ODJHQ RP I|UVlNULQJV GLVWULEXWLRQ 8WJnQJVSXQNWHQ lU VnOHGHV DWW GH EHVWlPPHOVHU VRP JHQRPI|U I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW L VYHQVN UlWW VND WLOOlPSDV Sn I|UVlNULQJVDYWDO VRP LQJnV HIWHU LNUDIWWUlGDQGHW DY GHQ Q\D ODJHQ %HVWlPPHOVHUQD RP NUDY RFK EHKRYVSU|YQLQJ VDPW LQIRUPDWLRQV OlPQDQGH InU DQVHV YDUD DY FHQWUDO EHW\GHOVH QlU GHW JlOOHU IUnJDQ RP I|UVlNULQJVDYWDO 'n NUDY RFK EHKRYVSU|YQLQJ VDPW LQIRUPDWLRQV OlPQDQGH VND VNH L DQVOXWQLQJ WLOO DYWDOV LQJnHQGH DNWXDOLVHUDV LQWH GHVVD EHVWlPPHOVHU L GHQ Q\D ODJHQ QlU GHW JlOOHU UHGDQ LQJnQJQD DYWDO RP I|UVlNULQJVI|UPHGOLQJ HOOHU I|UVlNULQJVDYWDO VH DYVQLWW )|UVlN ULQJVGLVWULEXWLRQVGLUHNWLYHW EHU|U LQWH YDG VRP VND JlOOD L IUnJD RP DYWDO VRP LQJnWWV I|UH LNUDIWWUlGDQGHW PHQ EHG|PV LQWH KHOOHU PRW RYDQVWnHQGH

s. 1 EDNJUXQG KLQGUD DWW I|UHYDUDQGH |YHUJnQJVEHVWlPPHOVH LQI|UV L VYHQVN Kontrollera mot PDF

EDNJUXQG KLQGUD DWW I|UHYDUDQGH |YHUJnQJVEHVWlPPHOVH LQI|UV L VYHQVN

UlWW

gYHUJnQJVEHVWlPPHOVHU I|U LQJULSDQGHQ RFK |YHUNODJDQGHQ

3URPHPRULDQV I|UVODJ bOGUH EHVWlPPHOVHU VND JlOOD I|U |YHUWUlG HOVHU VRP lJW UXP I|UH LNUDIWWUlGDQGHW

)|U EHVOXW VRP PHGGHODWV HQOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ VND EHVWlPPHOVHUQD L GHQ ODJHQ JlOOD I|U |YHUNODJDQGH RFK YLG KDQG OlJJQLQJHQ DY |YHUNODJDQGHW

6NlOHQ I|U SURPHPRULDQV I|UVODJ 'HW E|U LQI|UDV HQ VlUVNLOG |YHUJnQJVEHVWlPPHOVH VRP UHJOHUDU YLOND EHVWlPPHOVHU VRP VND YDUD WLOOlPSOLJD YLG HWW LQJULSDQGH HQOLJW ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ (Q VnGDQ |YHUJnQJVEHVWlPPHOVH LQI|UGHV L DQVOXWQLQJ WLOO ODJHQ RP I|UVlN ULQJVI|UPHGOLQJ VH SXQNWHQ L |YHUJnQJVEHVWlPPHOVHUQD WLOO GHQ ODJHQ ,QQHKnOOHW L GHQ |YHUJnQJVEHVWlPPHOVHQ E|U DQSDVVDV WLOO GHQ WHUPLQR ORJL VRP DQYlQGV L DQQDQ ODJVWLIWQLQJ Sn ILQDQVPDUNQDGVRPUnGHW VH W H[ SXQNWHQ L |YHUJnQJVEHVWlPPHOVHUQD WLOO ODJHQ > @ RP lQGULQJ L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ bOGUH EHVWlPPHOVHU VND JlOOD I|U |YHUWUlGHOVHU VRP lJW UXP I|UH LNUDIWWUlGDQGHW

3n PRWVYDUDQGH VlWW VRP HQOLJW SXQNWHQ L |YHUJnQJVEHVWlPPHOVHUQD WLOO ODJHQ RP I|UVlNULQJVI|UPHGOLQJ VND EHVWlPPHOVHUQD GlU JlOOD I|U HWW |YHUNODJDQGH DY HWW EHVOXW VRP PHGGHODWV HQOLJW GHQ ODJHQ RFK YLG KDQGOlJJQLQJHQ DY |YHUNODJDQGHW

gYHUJnQJVEHVWlPPHOVH RP WLOOlPSQLQJ L

I|UKnOODQGH WLOO YLVVD OlQGHU LQRP ((6

3URPHPRULDQV I|UVODJ (WW ODQG LQRP (XURSHLVND HNRQRPLVND VDP

DUEHWVRPUnGHW VRP LQWH lU HQ PHGOHPVVWDW L (XURSHLVND XQLRQHQ VND

DQVHV WLOOK|UD ((6 L GHQ PHQLQJ VRP DYVHV L ODJHQ RP I|UVlNULQJV

GLVWULEXWLRQ IUnQ GHQ GDJ I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW KDU LQI|U

OLYDWV PHG DYWDOHW RP (XURSHLVND HNRQRPLVND VDPDUEHWVRPUnGHW

((6 DYWDOHW

6NlOHQ I|U SURPHPRULDQV I|UVODJ )|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

ULNWDU VLJ WLOO PHGOHPVVWDWHUQD L (8 DUWLNHO GYV LQWH L XWJnQJVOlJHW

WLOO GH OlQGHU LQRP (XURSHLVND HNRQRPLVND VDPDUEHWVRPUnGHW ((6 VRP

LQWH lU PHGOHPVVWDWHU L (8 ,VODQG /LFKWHQVWHLQ RFK 1RUJH )|U DWW

I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW VND EOL JlOODQGH lYHQ L I|UKnOODQGH WLOO

GHVVD OlQGHU NUlYV DWW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW LQIRJDV L ((6

DYWDOHW HIWHU HWW VlUVNLOW EHVOXW DY HQ NRPPLWWp VRP lU JHPHQVDP I|U (8

RFK ()7$ GHQ RUJDQLVDWLRQ VRP GH WUH RYDQ QlPQGD OlQGHUQD WLOOK|U VH

+RZ (8 DFWV EHFRPH (($ DFWV DQG WKH QHHG IRU DGDSWDWLRQV 1RWH E\

6XEFRPPLWWHH 9 RQ OHJDO DQG LQVWLWXWLRQDO TXHVWLRQV 6WDQGLQJ

FRPPLWWHH RI WKH ()7$ VWDWHV 5HI 0D\

opaginerad KWWS ZZZ HIWD LQW PHGLD GRFXPHQWV HHD +RZ (8 DFWV EHFRPH (($ DFWV SGI Kontrollera mot PDF

KWWS ZZZ HIWD LQW PHGLD GRFXPHQWV HHD +RZ (8 DFWV EHFRPH (($ DFWV SGI

, I|UVODJHW WLOO GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ I|UHNRPPHU DYJUlQVQLQJDU L I|UKnOODQGH WLOO ((6 'HW LQQHElU DWW ODJHQ HQOLJW VLQ O\GHOVH RPHGHOEDUW EOLU WLOOlPSOLJ lYHQ L I|UKnOODQGH WLOO OlQGHU LQRP ((6 VRP LQWH lU PHGOHPVVWDWHU L (8 'HW JlOOHU REHURHQGH DY RP I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW KDU LQIRJDWV L ((6 DYWDOHW RFK GlULJHQRP EOLYLW JlOODQGH lYHQ L I|UKnOODQGH WLOO GH OlQGHU LQRP ((6 VRP LQWH lU PHGOHPVVWDWHU 'HWWD OHGHU WLOO DWW I|UVlNULQJVI|UPHGODUH PHG KHPYLVW XWDQI|U (8 PHQ LQRP ((6 EHKDQGODV VRP RP GH K|UGH KHPPD L HWW ODQG GlU I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW lU JlOODQGH WURWV DWW Vn LQWH lU IDOOHW (Q DY NRQVHNYHQVHUQD DY GHWWD lU DWW EHVWlPPHOVHUQD RP WLOOV\Q VH DYVQLWW EOLU WLOOlPSOLJD Sn GHVVD I|UVlNULQJVI|UPHGODUH lYHQ RP WLOOV\QVP\QGLJKHWHUQD L GHUDV KHPOlQGHU LQWH RPIDWWDV DY WLOOV\QVVDP DUEHWHW VRP I|OMHU DY I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

'HW E|U LQI|UDV HQ |YHUJnQJVEHVWlPPHOVH I|U DWW XQGYLND DWW ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ EHKDQGODU OlQGHU LQRP ((6 VRP RP I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW JlOOGH I|U GHP LQQDQ Vn lU IDOOHW (WW ODQG LQRP ((6 VRP LQWH lU HQ PHGOHPVVWDW L (XURSHLVND XQLRQHQ E|U GlUI|U DQVHV WLOOK|UD ((6 L GHQ PHQLQJ VRP DYVHV L ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ IUnQ GHQ GDJ I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW KDU LQI|UOLYDWV PHG ((6 DYWDOHW (Q OLNQDQGH |YHUJnQJVEHVWlPPHOVH KDU WDJLWV LQ L |YHUJnQJV EHVWlPPHOVHUQD WLOO I|UVODJHW WLOO ODJ RP |PVHVLGLJW ELVWnQG PHG LQGULY QLQJ DY YLVVD VDQNWLRQVDYJLIWHU YLG XWVWDWLRQHULQJ VH SURS V RFK I

)|UVODJHQV NRQVHNYHQVHU

,QOHGQLQJ

(Q Q\ ODJ RP I|UVlNULQJVGLVWULEXWLRQ

, GHQQD SURPHPRULD I|UHVOnV HQ Q\ ODJ RP I|UVlNULQJVGLVWULEXWLRQ VRP L KXYXGVDN JHQRPI|U I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW L VYHQVN ODJVWLIW QLQJ 'HQ Q\D ODJHQ LQQHElU VNlUSWD RFK GHOYLV Q\D NUDY I|U I|UVlNULQJVGLVWULEXWLRQ *HQRP GHQ Q\D ODJHQ VNDSDV HWW JHPHQVDPW UHJHOYHUN I|U GHQ I|UVlNULQJVGLVWULEXWLRQ VRP EHGULYV DY I|UVlNULQJV I|UHWDJ RFK ROLND NDWHJRULHU DY I|UVlNULQJVI|UPHGODUH 'lUWLOO RPIDWWDV lYHQ DQGUD PDUNQDGVDNW|UHU VRP KDU I|UVlOMQLQJ DY I|UVlNULQJVSURGXNWHU VRP VLGRYHUNVDPKHW VnVRP UHVHE\UnHU RFK ELOXWK\UQLQJVI|UHWDJ VnYLGD GH LQWH XSSI\OOHU YLOONRUHQ I|U DWW XQGDQWDV +LWWLOOV KDU EDUD I|UVlNULQJV I|UPHGODUHV GLVWULEXWLRQ DY I|UVlNULQJDU YDULW ODJUHJOHUDG L PRWVYDUDQGH RPIDWWQLQJ 'HQ I|UHVODJQD ODJHQ NDQ GlUI|U ELGUD WLOO HWW VWDUNDUH NXQGVN\GG VDPW HQ |NDG NRQNXUUHQVQHXWUDOLWHW PHOODQ ROLND DNW|UHU Sn PDUNQDGHQ I|U I|UVlNULQJVGLVWULEXWLRQ

opaginerad 3UREOHP RFK PnO PHG UHJOHULQJHQ Kontrollera mot PDF

3UREOHP RFK PnO PHG UHJOHULQJHQ

'H SUREOHP VRP ILQQV Sn PDUNQDGHQ I|U I|UVlNULQJVGLVWULEXWLRQ RFK GH PnO VRP ILQQV I|U UHJOHULQJHQ UHGRJ|UV I|U |YHUVLNWOLJW L DYVQLWW $OOPlQQD XWJnQJVSXQNWHU 'lUWLOO EHVNULYV GH VSHFLILND SUREOHP VRP YLVVD DY I|UVODJHQ V\IWDU WLOO DWW nWJlUGD L GH VNlOVDYVQLWW VRP I|OMHU HIWHU I|UVODJHW L UHVSHNWLYH DYVQLWW

6DPPDQIDWWQLQJVYLV lU GH SUREOHP VRP VlUVNLOW XSSPlUNVDPPDWV Sn GHQ VYHQVND PDUNQDGHQ I|U I|UVlNULQJVGLVWULEXWLRQ UHODWHUDGH WLOO RNODUKHW DYVHHQGH WLOOlPSQLQJVRPUnGHW I|U I|UVlNULQJVI|UPHGOLQJ LQWUHVVHNRQIOLNWHU UHODWHUDGH WLOO HUVlWWQLQJVPRGHOOHU DWW NXQGHQ RIWD lU L HWW NXQVNDSVXQGHUOlJH VDPW EULVWDQGH WUDQVSDUHQV QlU GHW JlOOHU RP HQ I|UPHGODUH JHU UnG RP PDUNQDGVI|U HOOHU I|UPHGODU HQ I|UVlNULQJ HOOHU HWW ILQDQVLHOOW LQVWUXPHQW 'lUWLOO KDU SUREOHP RFNVn XSSPlUNVDPPDWV L WLOOV\QHQ UHODWHUDW WLOO P|MOLJKHWHQ I|U HQ I|UPHGODUH DWW VMlOY EHJlUD DWW In VLWW WLOOVWnQG nWHUNDOODW XQGHU HWW SnJnHQGH VDQNWLRQVlUHQGH I|U DWW Sn Vn VlWW XQGYLND DWW EOL I|UHPnO I|U GHQ VDQNWLRQ VRP |YHUWUlGHOVHQ NDQ LQQHElUD I|U I|UPHGODUHQ

'H Q\D RFK UHYLGHUDGH UHJOHU VRP I|UHVOnV L SURPHPRULDQ V\IWDU WLOO DWW VNDSD GH OHJDOD I|UXWVlWWQLQJDU VRP NUlYV I|U DWW XSSQn HQ YlOIXQJHUDQGH PDUNQDG VRP SUlJODV DY HWW VWDUNW NRQVXPHQWVN\GG 0nOHW lU DWW XSSQn HQ EDODQVHUDG RFK SURSRUWLRQHUOLJ UHJOHULQJ VRP WDU RPKDQG GH SUREOHP VRP KDU LGHQWLILHUDWV XWDQ DWW YlOIXQJHUDQGH GHODU DY PDUNQDGHQ UHJOHUDV PHU lQ Q|GYlQGLJW

(WW \WWHUOLJDUH PnO PHG GHQ Q\D UHJOHULQJHQ lU DWW ELGUD WLOO HQ PHU OLNDUWDG UHJOHULQJ DY UnGJLYQLQJ Sn ILQDQVPDUNQDGVRPUnGHW L HQOLJKHW PHG YDG VRP DQJHV QlUPUH L SURS 1\D UHJOHU RP PDUNQDGHU I|U ILQDQVLHOOD LQVWUXPHQW 0L),' ,, RFK 0L),5 V ± 6\IWHW PHQ HQ OLNDUWDG UHJOHULQJ Sn GHWWD RPUnGH lU DWW XSSQn HQ NRQNXUUHQVQHXWUDO PDUNQDG I|U UnGJLYQLQJ Sn ILQDQVPDUNQDGVRPUnGHW PHG HWW VWlUNW VN\GG I|U NXQGHQ

$OWHUQDWLYD O|VQLQJDU

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHWV KXYXGVDNOLJD V\IWH lU DWW |ND KDUPRQLVHULQJHQ DY PHGOHPVVWDWHUQDV QDWLRQHOOD EHVWlPPHOVHU RP I|UVlNULQJV RFK nWHUI|UVlNULQJVGLVWULEXWLRQ 0nOVlWWQLQJHQ lU DWW XSSQn HQ PLQLPLJUDG DY KDUPRQLVHULQJ 'LUHNWLYHW LQQHKnOOHU GlUI|U UHJOHU VRP P|MOLJJ|U I|U PHGOHPVVWDWHUQD DWW EHKnOOD HOOHU LQI|UD VWUlQJDUH UHJOHU lQ YDG GLUHNWLYHW I|UHVNULYHU , DYVQLWW %DNJUXQG DQJHV PHU RP GLUHNWLYHWV V\IWH RFK LQQHKnOO

, DYVQLWW $OOPlQQD XWJnQJVSXQNWHU UHGRJ|UV I|U EHG|PQLQJHQ DWW GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ E|U LQQHKnOOD EHVWlPPHOVHU VRP L YLVVD IDOO JnU XW|YHU I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHWV NUDY I|U DWW nWJlUGD GH EHKRY RFK SUREOHP VRP LGHQWLILHUDWV Sn GHQ VYHQVND PDUNQDGHQ

)|UVODJ WLOO UHJOHULQJ VRP JnU XW|YHU I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHWV ILQQV L SURPHPRULDQ 6WlUNW NRQVXPHQWVN\GG YLG I|UVlNULQJVI|UPHGOLQJ 'V , SURPHPRULDQ I|UHVOnV W H[ HWW I|UW\GOLJDQGH QlU GHW JlOOHU GHILQLWLRQHQ DY I|UVlNULQJVI|UPHGOLQJ VNlUSWD UHJOHU I|U PDUN

opaginerad 0L),' ,, VH V )|UVODJHQ L Q\VV QlPQGD SURPHPRULD EHWlQNDQGH RFK SURSRVLWLRQ VRP Kontrollera mot PDF

QDGVI|ULQJ HWW I|UEXG I|U I|UVlNULQJVI|UPHGODUH DWW WD HPRW RFK EHKnOOD SURYLVLRQ HOOHU DQQDQ OLNQDQGH HUVlWWQLQJ IUnQ QnJRQ DQQDQ lQ NXQGHQ RP HUVlWWQLQJHQ NDQ SnYHUND NXQGHQV LQWUHVVHQ QHJDWLYW 5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU EHP\QGLJDGHV HQOLJW I|UVODJ L SURPHPRULDQ DWW PHGGHOD I|UHVNULIWHU RP YDG VRP NUlYV DY HQ I|UVlNULQJVI|UPHGODUH I|U DWW XSSI\OOD NUDYHW Sn DWW PRWYHUND LQWUHVVH NRQIOLNWHU RFK NUDYHQ Sn DWW LQWH WD HPRW RFK EHKnOOD SURYLVLRQ HOOHU DQQDQ OLNDQGH HUVlWWQLQJ L YLVVD IDOO 'lUWLOO ILQQV I|UVODJ VRP LQQHElU NUDY Sn XW|NDG OlPSOLJKHWVSU|YQLQJ L VDPEDQG PHG DWW HQ I\VLVN HOOHU MXULGLVN SHUVRQ DQV|NHU RP WLOOVWnQG DWW XW|YD I|UVlNULQJVI|UPHGOLQJ , SURPHPRULDQ I|UHVOnV lYHQ Q\D UHJOHU L VDPEDQG PHG HJHQ nWHUNDOOHOVH DY WLOOVWnQG XQGHU SnJnHQGH VDQNWLRQVlUHQGH

'lUWLOO KDU YLVVD I|UVODJ VRP U|U I|UVlNULQJVI|UPHGOLQJ OlPQDWV L EH WlQNDQGHW 9lUGHSDSSHUVPDUNQDGHQ 0L),' ,, RFK 0L),5 628 'H I|UVODJ VRP U|U I|UVlNULQJVI|UPHGOLQJ DYVHU WLOOlPSQLQJVRPUnGH I|U I|UVlNULQJVI|UPHGOLQJ RFK HQKHWOLJD UHJOHU I|U WUHGMHSDUWVHUVlWWQLQJDU %HWlQNDQGHWV I|UVODJ OLJJHU WLOO JUXQG I|U I|UVODJHQ L SURS 1\D UHJOHU RP PDUNQDGHU I|U ILQDQVLHOOD LQVWUXPHQW 0L),' ,, RFK 0L),5 , GHQQD SURSRVLWLRQ J|UV EO D VWlOOQLQJVVWDJDQGHW DWW QlU JlOOHU UnGJLYQLQJ VRP DYVHU ILQDQVLHOOD LQVWUXPHQW VRP LQJnU L ROLND I|UVlNULQJVO|VQLQJDU RFK L SUHPLHSHQVLRQVV\VWHPHW DQVHU UHJHULQJHQ DWW VnGDQ UnGJLYQLQJ E|U DQVHV XWJ|UD LQYHVWHULQJVUnGJLYQLQJ HQOLJW

0L),' ,, VH V )|UVODJHQ L Q\VV QlPQGD SURPHPRULD EHWlQNDQGH RFK SURSRVLWLRQ VRP

U|U I|UVlNULQJVGLVWULEXWLRQ RFK GH UHPLVV\QSXQNWHU VRP OlPQDWV PHG DQOHGQLQJ DY GH I|UVODJHQ XWJ|U JUXQG I|U IOHUD DY GH NRPSOHWWHUDQGH EHVWlPPHOVHU VRP I|UHVOnV L GHQQD SURPHPRULD 'H I|UVODJ VRP OlPQDV L SURPHPRULDQ lU HPHOOHUWLG LQWH DOOWLG XWIRUPDGH L HQOLJKHW PHG GH WLGLJDUH I|UVODJHQ RFK VNlOHQ WLOO DYYLNHOVHU UHGRYLVDV L UHVSHNWLYH DYVQLWW L DOOPlPQRWLYHULQJHQ

'lUWLOO lU EHG|PQLQJHQ L GHQQD SURPHPRULD DWW GHW ILQQV DQOHGQLQJ DWW LQI|UD UHJOHU XW|YHU GHP VRP I|UHVOnV L RYDQ QlPQGD SURPHPRULD RFK EHWlQNDQGH I|U DWW XSSQn PnOHQ PHG UHJOHULQJHQ

)|U GH NUDY VRP JnU XW|YHU GLUHNWLYHWV ILQQV GHW RIWD IOHUD DOWHUQDWLYD VlWW DWW XWIRUPD EHVWlPPHOVHQ Sn (IIHNWHUQD NDQ EOL PHU HOOHU PLQGUH OnQJWJnHQGH EHURHQGH Sn KXU ODJNUDYHW XWIRUPDV 9LG XWIRUPQLJHQ DY NUDYHQ L I|UVODJHQ L SURPHPRULDQ KDU PnOHW RP DWW XSSQn HQ EDODQVHUDG RFK SURSRUWLRQHUOLJ UHJOHULQJ VRP WDU RPKDQG GH SUREOHP VRP KDU LGHQWLILHUDWV XWDQ DWW YlOIXQJHUDQGH GHODU DY PDUNQDGHQ UHJOHUDV PHU lQ Q|GYlQGLJW YDULW YlJOHGDQGH

9LOND EHU|UV DY UHJOHULQJHQ"

)|UVODJHQ L GHQQD SURPHPRULD EHU|U L KXYXGVDN I|UVlNULQJVI|UHWDJ RFK ROLND NDWHJRULHU DY I|UVlNULQJVI|UPHGODUH 'lUWLOO RPIDWWDV lYHQ DQGUD PDUNQDGVDNW|UHU VRP KDU I|UVlOMQLQJ DY I|UVlNULQJVSURGXNWHU VRP VLGRYHUNVDPKHW VnVRP UHVHE\UnHU RFK ELOXWK\UQLQJVI|UHWDJ VnYLGD GH LQWH XSSI\OOHU YLOONRUHQ I|U DWW XQGDQWDV 1nJUD DY I|UVODJHQ EHU|U lYHQ IRQGPDUNQDGHQ RFK PDUNQDGHQ I|U |YULJD ILQDQVLHOOD LQVWUXPHQW 'H

opaginerad %HU|UGD I|UHWDJ Kontrollera mot PDF

P\QGLJKHWHU VRP EHU|UV DY I|UVODJHQ lU )LQDQVLQVSHNWLRQHQ %RODJV YHUNHW .RQVXPHQWYHUNHW 3HQVLRQVP\QGLJKHWHQ 3ROLVP\QGLJKHWHQ RFK 6YHULJHV 'RPVWRODU 'lUWLOO EHU|UV EHILQWOLJD RFK SUHVXPWLYD NXQGHU Sn I|UVlNULQJVPDUNQDGHQ

, GHW I|OMDQGH EHVNULYV QlUPUH YLOND DNW|UHU VRP EHU|UV DY GHQ I|UVODJQD ODJHQ

%HU|UGD I|UHWDJ

)|UVlNULQJVI|UHWDJ

)|UHWDJ

(QOLJW )LQDQVLQVSHNWLRQHQV I|UHWDJVUHJLVWHU DSULO ILQQV GHW L 6YHULJH ULNVWlFNDQGH I|UVlNULQJVI|UHWDJ YDUDY lU IRQGI|UVlNULQJVI|UHWDJ |YULJD OLYI|UVlNULQJVI|UHWDJ RFK VNDGHI|UVlNULQJVI|UHWDJ 'lUWLOO ILQQV GHW VW|UUH ORNDOD I|UVlNULQJVI|UHWDJ RFK PLQGUH ORNDOD I|UVlNULQJVI|UHWDJ , 6YHULJH ILQQV RFNVn XWOlQGVND I|UVlNULQJVI|UHWDJ ILOLDOHU RFK DJHQWXUHU UHJLVWUHUDGH

'HVVD I|UVlNULQJVI|UHWDJ EHU|UV DY GHQ Q\D UHJOHULQJHQ QlU GH XWYHFNODU I|UVlNULQJVSURGXNWHU XWI|U I|UVlNULQJVGLVWULEXWLRQ HOOHU QlU GH XSSGUDU nW HQ I|UVlNULQJVI|UPHGODUH HOOHU DQQDQ DNW|U DWW GLVWULEXHUD I|UVlNULQJVI|UHWDJHWV I|UVlNULQJDU

(QOLJW )LQDQVLQVSHNWLRQHQV I|UHWDJVUHJLVWHU ILQQV GHW lYHQ XW OlQGVND VNDGHI|UVlNULQJVI|UHWDJ PHG JUlQV|YHUVNULGDQGH YHUNVDPKHW RFK XWOlQGVND OLYI|UVlNULQJVI|UHWDJ PHG JUlQV|YHUVNULGDQGH YHUNVDPKHW 'lUWLOO ILQQV GHW HQ XWOlQGVN JHQHUDOUHSUHVHQWDWLRQ 'H XWOlQGVND I|UVlNULQJVI|UHWDJHQ EHU|UV DY I|UVODJHQ L GHQQD SURPHPRULD RP GH EHGULYHU JUlQV|YHUVNULGDQGH YHUNVDPKHW L 6YHULJH VRP LQNOXGHUDU I|UVlNULQJVGLVWULEXWLRQ

$QVWlOOGD

(QOLJW EUDQVFKRUJDQLVDWLRQHQ 6YHQVN )|UVlNULQJ DUEHWDGH RPNULQJ SHUVRQHU LQRP GHQ VYHQVND I|UVlNULQJVEUDQVFKHQ nU 'HW PRWVYDUDU SURFHQW DY DQWDOHW DQVWlOOGD Sn DUEHWVPDUNQDGHQ $QGHOHQ NYLQQRU VRP DUEHWDU L I|UVlNULQJVEUDQVFKHQ lU SURFHQW 'HW ILQQV PnQJD ROLND \UNHQ LQRP I|UVlNULQJVEUDQVFKHQ 'H YDQOLJDVWH lU VNDGHUHJOHUDUH NXQGVHUYLFH RFK I|UVlOMQLQJVSHUVRQDO PHQ GHW ILQQV lYHQ HNRQRPHU RFK MXULVWHU $Y DQVWlOOGD LQRP I|UVlNULQJVEUDQVFKHQ lU GHW L KXYXGVDN SHUVRQHU L OHGDQGH SRVLWLRQHU DQVWlOOGD VRP DUEHWDU PHG DWW XWYHFNOD RFK VlNHUVWlOOD I|UHWDJHWV UHJHOHIWHUOHYQDG RFK DQVWlOOGD VRP EHGULYHU I|UVlNULQJVGLVWULEXWLRQ VRP EHU|UV DY I|UVODJHQ L GHQQD SURPHPRULD

)|UVlNULQJVI|UPHGODUH

)|UVlNULQJVI|UPHGODUH PHG HJHW WLOOVWnQG

5HJOHULQJHQ EHU|U lYHQ I\VLVND RFK MXULGLVND SHUVRQHU VRP KDU WLOOVWnQG

DWW I|UPHGOD I|UVlNULQJ L QnJRQ I|UVlNULQJVNODVV (QOLJW )LQDQV

opaginerad 6LGRYHUNVDP I|UPHGODUH Kontrollera mot PDF

LQVSHNWLRQHQV I|UHWDJVUHJLVWHU DSULO ILQQV GHW I|UHWDJ L 6YHULJH VRP KDU I|UVlNULQJVI|UPHGOLQJ VRP VLQ KXYXGYHUNVDPKHW 'lUWLOO ILQQV GHW HWW VWRUW DQWDO I|UHWDJ VRP EHGULYHU I|UVlNULQJV I|UPHGOLQJ PHQ VRP KDU DQQDQ KXYXGYHUNVDPKHW VnVRP EDQN DNWLHERODJ NRQVXPHQWNUHGLWLQVWLWXW NUHGLWPDUNQDGVERODJ VSDU EDQNHU VYHQVND EDQNDNWLHERODJ PHG XWOlQGVN ILOLDO RFK VYHQVND NUHGLWPDUNQDGVERODJ PHG XWOlQGVN ILOLDO 'lUWLOO ILQQV XWOlQGVND EDQNHU XWOlQGVNW OLYI|UVlNULQJVI|UHWDJ XWOlQGVND VNDGHI|UVlNULQJV I|UHWDJ RFK XWOlQGVND I|UVlNULQJVI|UPHGODUH PHG JUlQV|YHUVNULGDQGH YHUNVDPKHW VRP LQNOXGHUDU I|UVlNULQJVI|UPHGOLQJ

6LGRYHUNVDP I|UPHGODUH

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW LQQHKnOOHU HQ GHILQLWLRQ DY I|UVlNULQJV I|UPHGODUH VRP EHGULYHU I|UPHGOLQJ VRP VLGRYHUNVDPKHW DUWLNHO , SURPHPRULDQ I|UHVOnV DWW HQ GHILQLWLRQ DY VLGRYHUNVDP I|UVlNULQJV I|UPHGODUH WDV LQ L ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ (Q VLGRYHUNVDP I|UVlNULQJVI|UPHGODUH VND KD WLOOVWnQG DY )LQDQVLQVSHNWLRQHQ I|U DWW In EHGULYD I|UVlNULQJVGLVWULEXWLRQ (Q VnGDQ I|UVlNULQJVI|UPHGODUH VND lYHQ DQPlOD VLJ I|U UHJLVWUHULQJ KRV %RODJVYHUNHW

'H I|UODJ VRP U|U VLGRYHUNVDPPD I|UPHGODUH SnYHUNDU LQJHQ EHILQWOLJ JUXSS I|UVlNULQJVI|UPHGODUH XWDQ NRPPHU DWW EHU|UGD GHP VRP QlU GHQ Q\D ODJHQ KDU WUlWW LNUDIW YlOMHU DWW DQV|ND RP WLOOVWnQG DWW EOL VLGR YHUNVDP I|UVlNULQJVI|UPHGODUH 'HW lU VYnUW DWW L GDJVOlJHW |YHUEOLFND RP GHW L IUDPWLGHQ NRPPHU DWW ILQQDV HWW NRPPHUVLHOOW LQWUHVVH DY DWW GULYD YHUNVDPKHW VRP VLGRYHUNVDP I|UVlNULQJVI|UPHGODUH XWDQ DWW YDUD NQXWHQ JHQRP DYWDO WLOO QnJRW I|UVlNULQJVI|UHWDJ HOOHU QnJRQ DQQDQ I|UVlNULQJVI|UPHGODUH

$QVWlOOGD

$QVWlOOGD KRV I\VLVND RFK MXULGLVND SHUVRQHU PHG WLOOVWnQG I|U I|UPHGOLQJ DY I|UVlNULQJ L QnJRQ I|UVlNULQJVNODVV EHU|UV L VWRU XWVWlFNQLQJ DY I|UVODJHQ L GHQQD SURPHPRULD 'H XSSJnU HQOLJW )LQDQVLQVSHNWLRQHQV UHJLVWHU WLOO FD SHUVRQHU , DQWDOHW DQVWlOOGD LQJnU lYHQ DQVWlOOGD I|UVlNULQJVI|UPHGODUH KRV I|UHWDJ VRP LQWH SULPlUW lU I|UVlNULQJV I|UPHGODUH

'lUWLOO ILQQV GHW HWW VWRUW DQWDO DQVWlOOGD KRV HQ DY GH VW|UVWD EDQNHUQD L 6YHULJH VRP lYHQ KDU I|UVlNULQJVI|UPHGOLQJVWLOOVWnQG 'HQQD EDQNV DQVWlOOGD XSSJnU WLOO XQJHIlU OLND PnQJD VRP GHW VDPPDQODJGD DQWDOHW DQVWlOOGD KRV |YULJD I|UVlNULQJVI|UPHGODUH gYULJD VWRUEDQNHU lU L VWlOOHW DQNQXWQD I|UVlNULQJVI|UPHGODUH WLOO VLQD NRQFHUQLQWHUQD I|UVlNULQJVERODJ VDPW L I|UHNRPPDQGH IDOO WLOO DQGUD ERODJ

$QNQXWQD I|UVlNULQJVI|UPHGODUH

)|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW LQQHKnOOHU LQJHQ GHILQLWLRQ DY DQNQXWHQ I|UVlNULQJVI|UPHGODUH , EHILQWOLJ ODJ RP I|UVlNULQJVI|UPHGOLQJ ILQQV HPHOOHUWLG HQ GHILQLWLRQ DY DQNQXWHQ I|UVlUNULQJVI|UPHGODUH NDS † D , GHQQD SURPHPRULD I|UHVOnV DWW NDWHJRULQ DQNQXWHQ I|UVlNULQJVI|UPHGODUH VND ILQQDV NYDU lYHQ L GHQ Q\D ODJHQ RP

I|UVlNULQJVGLVWULEXWLRQ

opaginerad 6LGRYHUNVDP I|UPHGODUH Kontrollera mot PDF

(QOLJW %RODJVYHUNHW ILQQV GHW L 6YHULJH I|UPHGODUH VRP lU DQNQXWQD WLOO HWW HOOHU IOHUD I|UVlNULQJVI|UHWDJ 0DMRULWHWHQ DY GHVVD I|UPHGODU VNDGHI|UVlNULQJDU VW\FNHQ $Y I|UPHGODUHQD lU DQNQXWQD WLOO HQGDVW VYHQVND I|UVlNULQJVERODJ PHGDQ DY I|UPHGODUQD lU DQNQXWQD WLOO DQWLQJHQ HQEDUW HOOHU RFNVn XWOlQGVND I|UHWDJ 6DPWOLJD DQNQXWQD I|UVlNULQJVI|UPHGODUH EHU|UV DY I|UVODJHQ L GHQQD SURPHPRULD

$QNQXWQD I|UVlNULQJVI|UPHGODUH VRP GLVWULEXHUDU I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU RFK HOOHU YLVVD SHQVLRQVI|UVlNULQJDU

, SURPHPRULDQ I|UHVOnV DWW DQNQXWQD I|UVlNULQJVI|UPHGODUH VRP YLOO GLVWULEXHUD I|UVlUNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU RFK HOOHU SHQVLRQVI|UVlNULQJDU VRP lU H[SRQHUDGH PRW PDUNQDGVYRODWLOLWHW WLOO VNLOOQDG IUnQ |YULJD DQNQXWQD I|UVlNULQJVI|UPHGODUH VND DQV|ND RP WLOOVWnQG KRV )LQDQVLQVSHNWLRQHQ RFK UHJLVWUHUDV KRV %RODJVYHUNHW )|UVODJHW InU WLOO I|OMG DWW GH DQNQXWQD I|UVlNULQJVI|UPHGODUH VRP YLOO GLVWULEXHUD I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU RFK HOOHU SHQVLRQV I|UVlNULQJDU VRP lU H[SRQHUDGH PRW PDUNQDGVYRODWLOLWHW EHK|YHU JHQRPJn VDPPD OlPSOLJKHWVSU|YQLQJ VRP GH I|UVlNULQJVI|UPHGODUH VRP LQWH lU DQNQXWQD , |YULJW JlOOHU VDPPD YLOONRU VRP I|U DQNQXWQD I|UVlNULQJVI|UPHGODUH

'HW ILQQV I|U QlUYDUDQGH DQNQXWQD I|UVlNULQJVI|UPHGODUH VRP I|UPHGODU OLYI|UVlNULQJDU 'HW ILQQV HPHOOHUWLG LQJD XSSJLIWHU RP KXU PnQJD DY GHVVD VRP I|UPHGODU I|UVlNULQJVEDVHUDGH LQYHVWHULQJV SURGXNWHU RFK HOOHU SHQVLRQVI|UVlNULQJDU VRP lU H[SRQHUDGH PRW PDUNQDGVYRODWLOLWHW (Q SUHOLPLQlU EHG|PQLQJ lU GRFN DWW HQ PDMRULWHW DY GH DQNQXWQD I|UPHGODUH VRP I|UPHGODU OLYI|UVlNULQJDU NRPPHU DWW EHU|UDV DY I|UVODJHQ DYVHHQGH WLOOVWnQG RFK UHJLVWUHULQJ

$QNQXWHQ VLGRYHUNVDP I|UVlNULQJVI|UPHGODUH

, SURPHPRULDQ ILQQV RFNVn I|UVODJ VRP VlUVNLOW JlOOHU I|U DQNQXWQD VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH 'HQ JUXSS DY I|UPHGODUH VRP RPIDWWDV PRWVYDUDU L DOOW YlVHQWOLJW GDJHQV DQNQXWQD I|UVlNULQJV I|UPHGODUH VRP LQWH KDU I|UPHGOLQJ VRP KXYXGVDNOLJ YHUNVDPKHW NDS † E ODJHQ RP I|UVlNULQJVI|UPHGOLQJ

)|UVlNULQJVI|UPHGODUH VRP I|UPHGODU I|UVlNULQJ L OLWHQ XWVWUlFNQLQJ

, EHILQWOLJ ODJ RP I|UVlNULQJVI|UPHGOLQJ ILQQV XQGDQWDJVUHJOHU I|U

I|UVlNULQJVI|UPHGOLQJ VRP EHGULYV L EHJUlQVDG XWVWUlFNQLQJ RFK EO D

LQWH |YHUVNULGHU IDVWODJGD WU|VNHOYlUGHQ NDS †

*HQRP I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW lQGUDV YLOONRUHQ I|U PRW

VYDUDQGH XQGDQWDJVEHVWlPPHOVHU bQGULQJDUQD LQQHElU EO D DWW GHQ

I|UVlNULQJVGLVWULEXW|U VRP XSSGUDU nW DNW|UHQ DWW GLVWULEXHUD I|UVlNULQJDU

VND VlNHUVWlOOD DWW YHUNVDPKHWHQ lYHQ L GHVVD IDOO I|OMHU YLVVD

EHVWlPPHOVHU VDPW DWW YLVV LQIRUPDWLRQ OlPQDV WLOO NXQGHQ

(IWHUVRP GHW LQWH ILQQV NUDY Sn WLOOVWnQG HOOHU UHJLVWUHULQJ I|U GHQQD

NDWHJRUL HQOLJW ODJHQ I|U I|UVlNULQJVI|UPHGOLQJ lU GHW VYnUW DWW XSSVNDWWD

KXU PnQJD VRP NRPPHU DWW EHU|UDV DY GH Q\D EHVWlPPHOVHUQD

opaginerad 0DUNQDGHQ I|U ILQDQVLHOOD LQVWUXPHQW Kontrollera mot PDF

0DUNQDGHQ I|U ILQDQVLHOOD LQVWUXPHQW

)RQGERODJ $,) I|UYDOWDUH RFK I|UYDOWQLQJVERODJ

)|U PnQJD IRQGERODJ $,) I|UYDOWDUH RFK I|UYDOWQLQJVERODJ LQRP ((6 VRP KDU JUlQV|YHUVNULGDQGH YHUNVDPKHW L 6YHULJH HOOHU PDUNQDGVI|U VLQD IRQGHU L 6YHULJH lU IRQG RFK GHSnI|UVlNULQJDU VDPW SHQVLRQVI|UVlNULQJDU YLNWLJD SODWWIRUPDU I|U I|UVlOMQLQJ RFK PDUNQDGVI|ULQJ DY IRQGHU 'HW lU GlUI|U YDQOLJW PHG VDPDUEHWHQ PHOODQ IRQGERODJ $,) I|UYDOWDUH I|UYDOWQLQJVERODJ RFK I|UVlNULQJVI|UHWDJ VDPW I|UVlNULQJVI|UPHGODUH DYVHHQGH GH IRQGHU VRP lU YDOEDUD LQRP UDPHQ I|U ROLND I|UVlNULQJV O|VQLQJDU )|U YLVVD IRQGERODJ RFK I|UYDOWQLQJVERODJ lU lYHQ 3HQVLRQV P\QGLJKHWHQV IRQGWRUJ LQRP UDPHQ I|U SUHPLHSHQVLRQVV\VWHPHW HQ YLNWLJ NDQDO I|U I|UVlOMQLQJ RFK PDUNQDGVI|ULQJ DY YlUGHSDSSHUVIRQGHU RFK IRQGI|UHWDJ

, PDM ILQQV GHW HQOLJW )LQDQVLQVSHNWLRQHQV I|UHWDJVUHJLVWHU IRQGERODJ PHG WLOOVWnQG WLOO IRQGYHUNVDPKHW L 6YHULJH RFK $,) I|UYDOWDUH PHG WLOOVWnQG $Y GHVVD KDU WLOOVWnQG WLOO IRQGYHUNVDPKHW (QOLJW )LQDQVLQVSHNWLRQHQV I|UHWDJVUHJLVWHU ILQQV IRQGI|UHWDJ VRP InU PDUNQDGVI|UDV L 6YHULJH HQOLJW ODJHQ RP YlUGHSDSSHUVIRQGHU )OHUD DY IRQGI|UHWDJHQ KDU GHVVXWRP IOHUD GHOIRQGHU (QOLJW UHJLVWUHW ILQQV lYHQ XWOlQGVND DOWHUQDWLYD LQYHVWHULQJVIRQGHU VRP InU PDUNQDGVI|UDV WLOO LFNH SURIHVVLRQHOOD LQYHVWHUDUH L 6YHULJH 'HQ VYHQVND IRQGPDUNDGHQ NlQQHWHFNQDV VnOHGHV DY DWW HWW VWRUW DQWDO XWOlQGVND IRQGHU PDUNQDGVI|UV L 6YHULJH 'HW lU HPHOOHUWLG RNODUW L YLONHQ XWVWlFNQLQJ VRP I|UYDOWQLQJV ERODJ RFK XWOlQGVND $,) I|UYDOWDUH VDPDUEHWDU PHG I|UVlNULQJVI|UHWDJ RFK I|UVlNULQJVI|UPHGODUH I|U DWW PDUNQDGVI|UD RFK I|UPHGOD IRQGHU WLOO VYHQVND LQYHVWHUDUH

%HU|UGD P\QGLJKHWHU

(WW IOHUWDO P\QGLJKHWHU EHG|PV SnYHUNDV DY I|UVODJHQ L GHQQD SURPHPRULD )LQDQVLQVSHNWLRQHQ %RODJVYHUNHW .RQVXPHQWYHUNHW 3HQVLRQVP\QGLJKHWHQ 3ROLVP\QGLJKHWHQ RFK 6YHULJHV 'RPVWRODU , GHW I|OMDQGH EHVNULYV GH HNRQRPLVND NRQVHNYHQVHUQD I|U GHVVD P\QGLJKHWHU

(NRQRPLVND NRQVHNYHQVHU I|U P\QGLJKHWHU

)LQDQVLQVSHNWLRQHQ

,QOHGQLQJ

)LQDQVLQVSHNWLRQHQ EHU|UV L VWRU XWVWlFNQLQJ DY I|UVODJHQ L GHQQD SURPHPRULD )LQDQVLQVSHNWLRQHQ DQVYDUDU I|U WLOOVWnQGVJLYQLQJHQ RFK I|U WLOOV\QHQ |YHU GH DNW|UHU VRP EHGULYHU I|UVlNULQJVGLVWULEXWLRQ L 6YHULJH , GHW I|OMDQGH DQJHV GH KXYXGVDNOLJD NRQVHNYHQVHUQD DY I|UVODJHQ I|U )LQDQVLQVSHNWLRQHQ

opaginerad )|UHVNULIWHU RFK DOOPlQQD UnG Kontrollera mot PDF

)|UHVNULIWHU RFK DOOPlQQD UnG

)|UVODJHW LQQHElU NRQVHNYHQVHU I|U )LQDQVLQVSHNWLRQHQ JHQRP DWW P\QGLJKHWHQV I|UHVNULIWHU RFK DOOPlQQD UnG PnVWH DQSDVVDV WLOO HQ Q\ ODJVWLIWQLQJ (QOLJW I|UVODJHW InU UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU PHGGHOD I|UHVNULIWHU Sn IOHUD ROLND RPUnGHQ 'HWWD DUEHWH NRPPHU DWW LQQHElUD EnGH HQ RPEHDUEHWQLQJ DY UHGDQ EHILQWOLJD I|UHVNULIWHU RFK DOOPlQQD UnG VRP XWIlUGDWV DY )LQDQV LQVSHNWLRQHQ RFK XWDUEHWDQGH DY Q\D I|UHVNULIWHU RFK DOOPlQQD UnG

7LOOVWnQG

*lOODQGH EHVWlPPHOVHU L I|UVlNULQJVI|UPHGOLQJVODJHQ RP WLOOVWnQGV RFK UHJLVWUHULQJVSOLNW I|U I|UVlNULQJVI|UPHGODUH I|UV |YHU L KXYXGVDN RI|UlQGUDGH WLOO GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ )|UVlNULQJV I|UPHGOLQJ InU VnOHGHV HQOLJW KXYXGUHJHOQ EHGULYDV EDUD HIWHU WLOOVWnQG IUnQ )LQDQVLQVSHNWLRQHQ RFK WLOOVWnQG InU JHV WLOO HQ VYHQVN I\VLVN HOOHU MXULGLVN SHUVRQ

'lUHPRW K|MV YLVVD DY NUDYHQ I|U DWW In WLOOVWnQG EO D JHQRP HQ XW|NDG OlPSOLJKHWVSU|YQLQJ DY GH I|UPHGODUH VRP DQV|NHU RP WLOOVWnQG

'lUWLOO I|UHVOnV DWW IOHU DNW|UHU VND RPIDWWDV DY WLOOVWnQGVSOLNW

VLGRYHUNVDPPD I|UPHGODUH RFK DQNQXWQD I|UVlNULQJVI|UPHGODUH VRP YLOO

I|UPHGOD I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU RFK HOOHU SHQVLRQV

I|UVlNULQJDU VRP lU H[SRQHUDGH PRW PDUNQDGVYRODWLOLWHW

5HJOHUQD L I|UVlNULQJVI|UPHGOLQJVODJHQ RP WLOOVWnQG I|U I|UVlNULQJV

I|UPHGODUH DWW EHGULYD VLGRYHUNVDPKHW L IRUP DY PRWWDJDQGH RFK YLGDUH

EHIRUGUDQ DY RUGHU VDPW LQYHVWHULQJVUnGJLYQLQJ PHG DYVHHQGH Sn YLVVD

IRQGDQGHODU I|UVOnV WDV ERUW )|U DWW EHGULYD VnGDQ YHUNVDPKHW NRPPHU

GHW DWW NUlYDV WLOOVWnQG I|U YlUGHSDSSHUVU|UHOVH HQOLJW ODJHQ RP

YlUGHSDSSHUVPDUNQDGHQ

'HW LQI|UV L VWlOOHW HQ P|MOLJKHW I|U I|UVlNULQJVI|UPHGODUH VRP lU

UHJLVWUHUDGH I|U I|UPHGOLQJ DY DOOD VODJ DY I|UVlNULQJDU HOOHU HQEDUW

OLYI|UVlNULQJDU DWW In HWW VlUVNLOW WLOOVWnQG VLGRWLOOVWnQG I|U LQYHVWHULQJV

UnGJLYQLQJ RP IRQGDQGHODU VRP VND LQJn VRP WLOOJnQJDU L HQ IRQG HOOHU

GHSnI|UVlNULQJ (QOLJW I|UVODJHW WLOO |YHUJnQJVUHJOHULQJ NRPPHU

HPHOOHUWLG EHILQWOLJD VLGRWLOOVWnQG DWW JlOOD VRP Q\D VLGRWLOOVWnQG 'lUPHG

EHVSDUDV VnYlO I|UVlNULQJVI|UPHGODUH VRP )LQDQVLQVSHNWLRQHQ EHW\GDQGH

DUEHWH PHG DWW KDQWHUD DQV|NQLQJDU RP Q\D VLGRWLOOVWnQG I|U GHP VRP L

GDJ UHGDQ KDU HWW VLGRWLOOVWnQG 'HW I|UXWVlWWV GlUHPRW DWW

)LQDQVLQVSHNWLRQHQ L VDPEDQG PHG |YHUJnQJHQ WLOO GHW Q\D UHJHOYHUNHW

JHQRPI|U YLVVD ULNWDGH LQIRUPDWLRQVLQVDWVHU PRW GH I|UVlNULQJV

I|UPHGODUH VRP L GDJ KDU HWW VLGRWLOOVWnQG HQOLJW ODJHQ RP I|UVlNULQJV

I|UPHGOLQJ VH DYVQLWW

'H I|UVlNULQJVI|UPHGODUH VRP YLOO JH UnG RP DQGUD ILQDQVLHOOD

LQVWUXPHQW lQ IRQGDQGHODU VRP VND LQJn VRP WLOOJnQJDU L HQ IRQG HOOHU

GHSnI|UVlNULQJ NRPPHU DWW EHK|YD DQV|ND RP WLOOVWnQG I|U

YlUGHSDSSHUVU|UHOVH HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ HOOHU DWW

I|UPHGODUHQ lU DQNQXWHW RPEXG WLOO HWW YlUGHSDSSHUVLQVWLWXW

'H WYn Q\D WLOOVWnQGVNDWHJRULHUQD RFK GHQ Q\D VLGRWLOOVWnQGVNDWHJRULQ

WLOOVDPPDQV PHG GH XW|NDGH WLOOVWnQGVNUDYHQ LQQHElU WUROLJHQ HQ

SHUPDQHQW |NQLQJ DY )LQDQVLQVSHNWLRQHQV DUEHWVXSSJLIWHU 'HQQD GHO DY

)LQDQVLQVSHNWLRQHQV YHUNVDPKHW ILQDQVLHUDV GRFN JHQRP DYJLIWHU IUnQ

opaginerad GHP VRP DQV|NHU RP WLOOVWnQG RFK E|U GlUPHG LQWH SnYHUND P\QGLJKHWHQV UHVXUVHU QHJDWLYW Kontrollera mot PDF

GHP VRP DQV|NHU RP WLOOVWnQG RFK E|U GlUPHG LQWH SnYHUND P\QGLJKHWHQV UHVXUVHU QHJDWLYW

7LOOV\Q RFK LQJULSDQGH

)LQDQVLQVSHNWLRQHQ lU HQOLJW I|UVODJHW GHQ P\QGLJKHW VRP DQVYDUDU I|U WLOOV\QHQ |YHU DWW GH EHVWlPPHOVHU L VYHQVN UlWW VRP I|UHVOnV I|U DWW JHQRPI|UD I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW I|OMV )LQDQVLQVSHNWLRQHQ EHVOXWDU RFNVn RP LQJULSDQGH YLG UHJHO|YHUWUlGHOVHU DQWLQJHQ GLUHNW HOOHU QlU GHW JlOOHU I\VLVND SHUVRQHU L HWW ILQDQVLHOOW I|UHWDJV OHGQLQJ JHQRP VDQNWLRQVI|UHOlJJDQGH )LQDQVLQVSHNWLRQHQ NRPPHU DWW EHK|YD DQSDVVD VLQ WLOOVWnQGV RFK WLOOV\QVYHUNVDPKHW PHG DQOHGQLQJ DY GHW I|UHVODJQD Q\D RFK lQGUDGH UHJHOYHUNHW , YLVVD DYVHHQGHQ lU GHW IUnJD RP VDPPD VODJV DQSDVVQLQJDU VRP lU Q|GYlQGLJD RFNVn Sn JUXQG DY JHQRPI|UDQGHW L VYHQVN UlWW DY DQGUD (8 UlWWVDNWHU Sn ILQDQVPDUNQDGVRPUnGHW 'HW JlOOHU EO D L IUnJD RP KDQGOlJJQLQJ DY lUHQGHQ RP |YHUWUlGHOVHU RFK GHQ I|UHVODJQD EHVOXWVRUGQLQJHQ DYVHHQGH I\VLVND SHUVRQHU L I|UHWDJHQV OHGQLQJ , PDWHULHOOW KlQVHHQGH EHG|PV GH lQGULQJDU VRP lU HQ I|OMG DY JHQRPI|UDQGHW DY UHJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW LQWH PHGI|UD QnJRQ VW|UUH I|UlQGULQJ DY DQWDOHW VnGDQD lUHQGHQ KRV )LQDQVLQVSHNWLRQHQ

3URPHPRULDQ LQQHKnOOHU lYHQ DQGUD I|UVODJ VRP JHU )LQDQVLQVSHNWLRQHQ XW|NDGH WLOOV\QV RFK LQJULSDQGHYHUNW\J (WW VnGDQW lU GHW VRP LQQHElU DWW RP HQ I|UVlNULQJVI|UPHGODUH W H[ KDU I|UNODUDW VLJ DYVWn IUnQ VLWW WLOOVWnQG DWW EHGULYD I|UVlNULQJVI|UPHGOLQJ HOOHU VLQ UHJLVWUHULQJ VRP I|UVlNULQJVI|UPHGODUH InU )LQDQVLQVSHNWLRQHQ LQQDQ WLOOVWnQGHW HOOHU UHJLVWUHULQJHQ nWHUNDOODV I|UVW SU|YD RP GHW ILQQV VNlO DWW LQJULSD PRW I|UVlNULQJVI|UPHGODUHQ PHG DQOHGQLQJ DY UHJHO|YHUWUlGHOVHU KRV GHQQH RFK RP GHW ILQQV VnGDQD VNlO EHVOXWD RP HWW LQJULSDQGH %RODJVYHUNHW VND LQWH OlQJUH In EHVOXWD RP nWHUNDOOHOVH DY UHJLVWUHULQJHQ I|U HQ DQNQXWHQ I|UVlNULQJVI|UPHGODUH QlU I|UPHGODUHQ KDU I|UNODUDW VLJ DYVWn IUnQ VLQ UHJLVWUHULQJ VRP DQNQXWHQ I|UVlNULQJVI|UPHGODUH )LQDQVLQVSHNWLRQHQ VND IDWWD VDPWOLJD EHVOXW RP nWHUNDOOHOVHU DY WLOOVWnQG HOOHU UHJLVWUHULQJDU I|U I|UVlNULQJVI|UPHGODUH )|UVODJHW NDQ NRPPD DWW OHGD WLOO IOHU VDQNWLRQVlUHQGHQ 'H W\GOLJDUH UHJOHUQD L NRPELQDWLRQ PHG DWW GHW HQOLJW I|UVODJHW EOLU VYnUDUH I|U HQ I|UVlNULQJVI|UPHGODUH DWW XQGJn VDQNWLRQHU JHQRP DWW VMlOY DQV|ND RP DWW nWHUNDOOD VLWW WLOOVWnQG NDQ VDPWLGLJW OHGD WLOO IlUUH WLOOV\QVlUHQGHQ RFK HQ PLQVNDG DUEHWVE|UGD I|U )LQDQVLQVSHNWLRQHQ

)|UVODJHQ L GHQQD SURPHPRULD EHG|PV VDPPDQWDJHW JH )LQDQV LQVSHNWLRQHQ I|UElWWUDGH I|UXWVlWWQLQJDU DWW EHGULYD HQ PHU HIIHNWLY RFK YHUNQLQJVIXOO WLOOV\Q )LQDQVLQVSHNWLRQHQV SU|YQLQJ DY lUHQGHQ ILQDQVLHUDV JHQRP DYJLIWHU VRP WDV XW DY GHP VRP J|U HQ DQV|NDQ HOOHU DQPlODQ HOOHU OlPQDU LQ HQ XQGHUUlWWHOVH 0\QGLJKHWHQ GLVSRQHUDU GHVVD LQWlNWHU gYULJ YHUNVDPKHW VnVRP WLOOV\Q RFK UHJHOJLYQLQJ ILQDQVLHUDV YLD DQVODJ L VWDWHQV EXGJHW (YHQWXHOOD |NDGH NRVWQDGHU NDQ KDQWHUDV LQRP P\QGLJKHWHQV EHILQWOLJD UDPDU

opaginerad *UlQV|YHUVNULGDQGH WLOOV\Q RFK LQJULSDQGH Kontrollera mot PDF

*UlQV|YHUVNULGDQGH WLOOV\Q RFK LQJULSDQGH

(QOLJW I|UVODJHQ VND )LQDQVLQVSHNWLRQHQ lYHQ KD WLOOV\Q |YHU VYHQVND I|UVlNULQJVGLVWULEXW|UHU VRP EHGULYHU I|UVlNULQJVGLVWULEXWLRQ L HWW DQQDW ODQG LQRP ((6 )LQDQVLQVSHNWLRQHQ JHV P|MOLJKHW DWW LQJn |YHUHQV NRPPHOVH PHG HQ EHK|ULJ P\QGLJKHW L HWW DQQDW ODQG LQRP ((6 RP |YHUI|ULQJ DY WLOOV\QVDQVYDU )|UVODJHQ lU HQ I|OMG DY JHQRPI|UDQGHW DY UHJOHUQD L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 'HW lU HPHOOHUWLG VYnUW DWW EHG|PD L KXU VWRU XWVWUlFNQLQJ VRP )LQDQVLQVSHNWLRQHQ NRPPHU DWW LQJn |YHUHQVNRPPHOVHU RP |YHUI|ULQJ DY WLOOV\QVDQVYDU RFK YLOND GH HNRQRPLVND NRQVHNYHQVHUQD DY I|UVODJHW EOLU 'HW NDQ HPHOOHUWLG IUDPKnOODV DWW )LQDQVLQVSHNWLRQHQ L GH IOHVWD IDOO YLG HQ |YHUHQV NRPPHOVH RP |YHUI|ULQJ DY WLOOV\QVDQVYDU WLOO )LQDQVLQVSHNWLRQHQ IUnQ HQ EHK|ULJ P\QGLJKHW L HWW DQQDW ODQG LQRP ((6 EHG|PV NXQQD WD XW WLOOV\QVDYJLIW IUnQ GHQ ((6 I|UVlNULQJVI|UPHGODUH VRP RPIDWWDV DY HQ VnGDQ |YHUHQVNRPPHOVH VH DYVQLWW RFK I|UIDWWQLQJVNRPPHQWDUHQ WLOO NDS †

%HVWlPPHOVHUQD L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ RP DWW XWOlQGVND I|UVlNULQJVI|UPHGODUH VRP EHGULYHU YHUNVDPKHW L 6YHULJH RFK I|UVlNULQJVI|UHWDJ KDU HQ VN\OGLJKHW DWW WLOO )LQDQVLQVSHNWLRQHQ OlPQD XSSO\VQLQJDU RP VLQ YHUNVDPKHW VND I|UDV |YHU L KXYXGVDN RI|UlQGUDGH WLOO ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ 'HWVDPPD JlOOHU EHVWlPPHOVHUQD RP )LQDQVLQVSHNWLRQHQV P|MOLJKHW DWW J|UD SODWVXQGHUV|NQLQJDU RFK EHVWlPPHOVHUQD RP I|UVHQLQJVDYJLIW YLG XQGHUOnWHOVH DWW OlPQD XSSO\VQLQJDU WLOO )LQDQVLQVSHNWLRQHQ 'HVVD I|UVODJ E|U VnOHGHV LQWH LQQHElUD QnJUD HNRQRPLVND NRQVNHYHQVHU I|U )LQDQVLQVSHNWLRQHQ MlPI|UW PHG L GDJ

'H I|UVODJ VRP LQQHElU DWW )LQDQVLQVSHNWLRQHQ L VLQ WLOOV\QVYHUNVDPKHW VND VDPDUEHWD RFK XWE\WD LQIRUPDWLRQ PHG EHK|ULJD P\QGLJKHWHU (XURSHLVND NRPPLVVLRQHQ RFK (LRSD L GHQ XWVWUlFNQLQJ VRP I|OMHU DY 6YHULJHV PHGOHPVNDS L (XURSHLVND XQLRQHQ I|OMHU DY GLUHNWLYHW 'HW XW|NDGH VDPDUEHWHW RFK LQIRUPDWLRQVXWE\WHW E|U HPHOOHUWLG HQGDVW L EHJUlQVDG XWVWUlFNQLQJ SnYHUND )LQDQVLQVSHNWLRQHQV YHUNVDPKHW 'HQ XW|NDGH VDPYHUNDQVVN\OGLJKHWHQ RFK (LRSDV UROO L GHQQD NDQ HPHOOHUWLG OHGD WLOO HQ HIIHNWLYLVHUDG JUlQV|YHUVNULGDQGH WLOOV\Q

6DPPDQIDWWQLQJ DY NRQVHNYHQVHU I|U )LQDQVLQVSHNWLRQHQ

6DPPDQIDWWQLQJVYLV NDQ NRQVWDWHUDV DWW I|UVODJHQ L SURPHPRULDQ LQQHElU XW|NDGH DUEHWVXSSJLIWHU I|U )LQDQVLQVSHNWLRQHQ 'HQ |NDGH DUEHWV EHODVWQLQJ VRP XSSVWnU JHQRP RPDUEHWQLQJ DY EHILQWOLJD I|UHVNULIWHU RFK DOOPlQQD UnG HOOHU IUDPWDJDQGH DY Q\D VnGDQD VDPW JHQRP KDQWHULQJ DY Q\D WLOOVWnQG InU GRFN L KXYXGVDN DQVHV YDUD DY HQJnQJVNDUDNWlU 0\QGLJKHWHQ EHK|YHU GlUI|U VlNHUVWlOOD DWW GHW ILQQV WLOOUlFNOLJ EHPDQQLQJ I|U DWW DGPLQLVWUHUD RFK EHVOXWD RP DQV|NQLQJDU RP Q\D WLOOVWnQG XQGHU HQ |YHUJnQJVSHULRG 'H Q\D WLOOVWnQGVNDWHJRULHUQD RFK GHQ XW|NDGH NUDYHQ L VDPEDQG PHG DQV|NDQ RP WLOOVWnQG RFK GHQ O|SDQGH YHUNVDPKHWHQ NRPPHU HPHOOHUWLG OHGD WLOO lYHQ HQ YLVV SHUPDQHQW |NQLQJ DY DUEHWVXSSJLIWHU I|U )LQDQVLQVSHNWLRQHQ

(QOLJW I|UVODJHW InU )LQDQVLQVSHNWLRQHQ lYHQ IRUWVlWWQLQJVYLV WD XW

nUOLJD DYJLIWHU IUnQ GH I|UHWDJ VRP VWnU XQGHU LQVSHNWLRQHQV WLOOV\Q

)LQDQVLQVSHNWLRQHQ InU HQOLJW I|UVODJHW RFNVn WD XW DYJLIWHU I|U

opaginerad %RODJVYHUNHW Kontrollera mot PDF

DQV|NQLQJDU RP WLOOVWnQG RFK DQPlOQLQJDU VRP J|UV HQOLJW ODJHQ 6DPWOLJD EXGJHWlUD NRQVHNYHQVHU VND KDQWHUDV LQRP EHILQWOLJD DQVODJVUDPDU

%RODJVYHUNHW

%RODJVYHUNHW lU UHJLVWUHULQJVP\QGLJKHW I|U DOOD I|UVlNULQJVI|UPHGODUH HQOLJW I|UVlNULQJVI|UPHGOLQJVODJHQ 'HQQD RUGQLQJ EHVWnU L I|UVODJHW WLOO Q\ ODJ RP I|UVlNULQJVGLVWULEXWLRQ %RODJVYHUNHW KDU VnOHGHV UHGDQ GHQ RUJDQLVDWLRQ RFK GH V\VWHP VRP NUlYV I|U UHJLVWUHULQJ RFK DYUHJLVWUHULQJ DY I|UVlUNULQJVI|UPHGODUH

(QOLJW I|UVODJHW VND LQWH %RODJVYHUNHW OlQJUH In EHVOXWD RP nWHUNDOOHOVH DY UHJLVWUHULQJHQ I|U HQ DQNQXWHQ I|UVlNULQJVI|UPHGODUH QlU I|UPHGODUHQ KDU I|UNODUDW VLJ DYVWn IUnQ VLQ UHJLVWUHULQJ VRP DQNQXWHQ I|UVlNULQJV I|UPHGODUH )LQDQVLQVSHNWLRQHQ VND HQOLJW I|UVODJHW IDWWD VDPWOLJD EHVOXW RP nWHUNDOOHOVHU DY WLOOVWnQG HOOHU UHJLVWUHULQJDU I|U I|UVlNULQJV I|UPHGODUH 'HWWD NRPPHU DWW LQQHElUD PLQVNDGH DUEHWVXSSJLIWHU I|U %RODJVYHUNHW , |YULJW EHG|PV LQWH I|UVODJHQ DWW SnYHUND %RODJVYHUNHWV XSSJLIWHU L QnJRQ VW|UUH XWVWlFNQLQJ %RODJVYHUNHW lU HQ DYJLIWV ILQDQVLHUDG P\QGLJKHW (YHQWXHOOD EXGJHWlUD NRQVHNYHQVHU VND KDQWHUDV LQRP EHILQWOLJD DQVODJVUDPDU

.RQVXPHQWYHUNHW

.RQVXPHQWYHUNHW DQVYDUDU EO D I|U JUDQVNQLQJHQ DY I|UHWDJHQV PDUNQDGVI|ULQJ RFK UHNODP (QOLJW I|UVODJHW LQI|UV VNlUSWD UHJOHU I|U PDUNQDGVI|ULQJ VRP EO D LQQHElU DWW HQ I|UVlNULQJVI|UPHGODUH L VDPEDQG PHG I|UVlNULQJVGLVWULEXWLRQ LQWH InU PDUNQDGVI|UD DQGUD ILQDQVLHOOD WMlQVWHU lQ VnGDQD I|UVlNULQJDU VRP RPIDWWDV DY I|UPHGODUHQV WLOOVWnQG HOOHU UHJLVWUHULQJ )|UVODJHW EHG|PV HPHOOHUWLG LQWH PHGI|UD QnJRQ |NDG DUEHWVEHODVWQLQJ HOOHU NRVWQDG I|U .RQVXPHQWYHUNHW

3HQVLRQVP\QGLJKHWHQ

*HQRP I|UVODJ L SURS 1\D UHJOHU RP PDUNQDGHU I|U ILQDQVLHOOD LQVWUXPHQW 0L),' ,, RFK 0L),5 VRP EHVOXWDGHV GHQ PDUV VNlUSV YLOONRUHQ I|U I|UVlNULQJVI|UPHGODUH VRP YLOO JH UnG RP IRQGHU Sn 3HQVLRQVP\QGLJKHWHQV IRQGWRUJ (QOLJW Q\VV QlPQGD SURSRVLWLRQ VND HQ I|UVlNULQJVI|UPHGODUH KD WLOOVWnQG I|U YlUGHSDSSHUV U|UHOVH HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ I|U DWW In JH LQYHVWH ULQJVUnGJLYQLQJ RP IRQGDQGHODU Sn 3HQVLRQVP\QGLJKHWHQV IRQGWRUJ

)|UVODJHW LQQHElU HQ lQGULQJ MlPI|UW PHG JlOODQGH UlWW , EHILQWOLJ ODJVWLIWQLQJ DQJHV LQWH VSHFLILNW YDG VRP JlOOHU YLG LQYHVWHULQJV UnGJLYQLQJ RP IRQGDQGHODU Sn 3HQVLRQVP\QGLJKHWHQV IRQGWRUJ (IWHUVRP GH IRQGHU VRP ILQQV UHSUHVHQWHUDGH Sn 3HQVLRQVP\QGLJKHWHQV IRQGWRUJ lU ILQDQVLHOOD LQVWUXPHQW lU GHW HPHOOHUWLG ULPOLJW DWW LQYHVWHULQJVWMlQVWHU UHODWHUDGH WLOO GHVVD IRQGHU RPIDWWDV DY nWPLQVWRQH VDPPD UHJOHU VRP GHP VRP JlOOHU Sn |YULJD PDUNQDGHQ I|U ILQDQVLHOOD LQVWUXPHQW

opaginerad 3ROLVP\QGLJKHWHQ Kontrollera mot PDF

3UHPLHSHQVLRQHQ XWJ|U WLOOVDPPDQV PHG LQNRPVWSHQVLRQHQ GH KXYXGVDNOLJD E\JJVWHQDUQD L GHQ DOOPlQQD SHQVLRQHQ L 6YHULJH 'HW VWDWOLJD SHQVLRQVV\VWHPHW RPIDWWDV LQWH lYHQ IDVW GHW NDQ VlJDV YDUD I|UVlNULQJVOLNQDQGH DY GHQ ODJVWLIWQLQJ VRP U|U GHQ SULYDWD I|UVlNULQJV PDUNQDGHQ 'HW KDU ELGUDJLW WLOO RVlNHUKHW RP YLOND UHJOHU VRP VND JlOOD YLG UnGJLYQLQJ I|UYDOWQLQJ RFK PDUNQDGVI|ULQJ DY SULYDWD WMlQVWHU L UHODWLRQ WLOO 3HQVLRQVP\QGLJKHWHQV IRQGWRUJ 'H RNODUKHWHU VRP VDPWLGLJW KDU IXQQLWV DYVHHQGH YDG WLOOVWnQGHW DWW EHGULYD I|UVlNULQJVI|UPHGOLQJ DYVHU L UHODWLRQ WLOO GH LQYHVWHULQJVWMlQVWHU VRP DQJHV L 0L),' , RFK 0L),' ,, KDU \WWHUOLJDUH ELGUDJLW WLOO RVlNHUKHWHQ

, EHWlQNDQGHW )RNXV SUHPLHSHQVLRQ 628 I|UHVOnV DWW HQ VlUVNLOG XWUHGQLQJ E|U WLOOVlWWDV VRP NODUJ|U UHJOHUQD I|U GHVVD WMlQVWHU , YDG PnQ HQ VnGDQ XWUHGQLQJ EHK|YV InU EHG|PDV L DQQDW VDPPDQKDQJ PHQ GH VWlOOQLQJVWDJDQGHQ VRP J|UV L SURS RFK GH I|UVODJ VRP SUHVHQWHUDV L GHQQD SURPHPRULD NDQ ELGUD WLOO DWW NODUJ|UD QnJUD DY IUnJRUQD DYVHHQGH SUHPLHSHQVLRQVWMlQVWHU

)|U GHW I|UVWD LQQHElU I|UVODJHQ DWW GHW lU WLOOVWnQGVSOLNWLJ YHUNVDPKHW DWW JH LQYHVWHULQJVUnGJLYQLQJ RP IRQGHU Sn 3HQVLRQVP\QGLJKHWHQV IRQGWRUJ HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ RFK I|U GHW DQGUD LQQHElU I|UVODJHQ DWW HQ I|UVlNULQJVI|UPHGODUH LQWH InU PDUNQDGVI|UD IRQGHU VRP lU YDOEDUD Sn 3HQVLRQVP\QGLJKHWHQV IRQGWRUJ

'HVVD I|UVODJ SnYHUNDU PDUNQDGHQ I|U UnGJLYQLQJ RFK PDUNQDGVI|ULQJ RP IRQGDQGHODU Sn 3HQVLRQVP\QGLJKHWHQV IRQGWRUJ RFK InU NRQVHNYHQVHU I|U GHP VRP L GDJ LQWH KDU WLOOVWnQG I|U YlUGHSDSSHUVU|UHOVH HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ RFK YLOO JH LQYHVWHULQJVUnGJLYQLQJ RP IRQGHU Sn IRQGWRUJHW )|UVODJHQ EHG|PV HPHOOHUWLG LQWH SnYHUND 3HQVLRQVP\QGLJKHWHQV YHUNVDPKHW HOOHU EXGJHW

3ROLVP\QGLJKHWHQ

3ROLVP\QGLJKHWHQ DQVYDUDU I|U DWW OlPQD XW GH UHJLVWHUXWGUDJ VRP EO D

EHK|YV LQRP UDPHQ I|U )LQDQVLQVSHNWLRQHQV WLOOVWnQGV RFK WLOOV\QVYHUN

VDPKHW (QOLJW I|UVODJHW VND I|UVlNULQJVI|UHWDJ RFK I|UVlNULQJV

I|UPHGODUH EHJlUD DWW YLVVD DQVWlOOGD HOOHU GH VRP YLOO YDUD DQNQXWQD WLOO

I|UHWDJHW HOOHU I|UPHGODUHQ YLVDU XSS HWW XWGUDJ XU EHODVWQLQJVUHJLVWUHW

'HQQD RUGQLQJ PRWVYDUDV L DOOW YlVHQWOLJW DY YDG VRP UHGDQ JlOOHU L GDJ

'HQ VNLOOQDGHQ DWW lYHQ YLVVD DQVWlOOGD KRV I|UVlNULQJVI|UHWDJ VND

RPIDWWDV DY UHJLVWHUNRQWUROOHQ EHG|PV LQWH PHGI|UD QnJUD VW|UUH

|NQLQJDU DY DQWDOHW XWGUDJ XU EHODVWQLQJVUHJLVWUHW )|UVODJHW LQQHElU LQWH

KHOOHU DWW GHW WLOONRPPHU QnJUD Q\D XSSJLIWHU I|U 3ROLVP\QGLJKHWHQ 'H

HYHQWXHOOD PHUNRVWQDGHU VRP I|UVODJHW LQQHElU I|U SROLVRUJDQLVDWLRQHQ

VND ILQDQVLHUDV LQRP UDPHQ I|U XWJLIWVRPUnGH 5lWWVYlVHQGHW

6YHULJHV 'RPVWRODU

'HQ I|UHVODJQD ODJHQ LQQHKnOOHU L OLNKHW PHG ODJHQ RP

I|UVlNULQJVI|UPHGOLQJ P|MOLJKHWHU DWW |YHUNODJD EHVOXW VRP PHGGHODWV

DY )LQDQVLQVSHNWLRQHQ HOOHU DY %RODJVYHUNHW )LQDQVLQVSHNWLRQHQ JHV

HQOLJW I|UVODJHW XW|NDGH YHUNW\J I|U DWW NXQQD EHGULYD HQ PHU HIIHNWLY

WLOOV\Q 'HWWD NDQ NRPPD DWW LQQHElUD IOHU EHVOXW RP VDQNWLRQHU IUnQ

opaginerad (NRQRPLVND NRQVHNYHQVHU I|U EHU|UGD I|UHWDJ Kontrollera mot PDF

)LQDQVLQVSHNWLRQHQ YLONHW L VLQ WXU NDQ OHGD WLOO DWW IOHU |YHUNODJDQGHQ DY )LQDQVLQVSHNWLRQHQV EHVOXW bYHQ GH UHJOHU RP VDQNWLRQVI|UHOlJJDQGH VRP I|UHVOnV NDQ PHGI|UD HQ |NDG PnOWLOOVWU|PQLQJ L GH DOOPlQQD I|UYDOWQLQJVGRPVWRODUQD 0nO Sn ILQDQVPDUNQDGVRPUnGHW lU L DOOPlQKHW P\FNHW UHVXUVNUlYDQGH RFK lYHQ HQ OLWHQ PnO|NQLQJ NDQ OHGD WLOO YlVHQWOLJW |NDGH NRVWQDGHU

)|UVODJHW LQQHElU VDPWLGLJW HQ W\GOLJDUH UHJOHULQJ DYVHHQGH WLOOVWnQGHQV WLOOlPSQLQJVRPUnGH VDPW XW|NDGH GRNXPHQWDWLRQV RFK LQIRUPDWLRQV NUDY YLONHW NDQ ELGUD WLOO IlUUH UlWWVSURFHVVHU

)OHUD DY I|UVODJHQ V\IWDU WLOO DWW VWlUND NRQVXPHWVN\GGHW JHQRP VNlUSWD WUDQVSDUHQVNUDY gNDG WUDQVSDUHQV NDQ P|MOLJHQ OHGD WLOO DWW IOHU I|UVlNULQJVWDJDUH I|UVWnU RFK LIUnJDVlWWHU GH WMlQVWHU RFK GH SURGXNWHU VRP GH KDU N|SW DY HQ I|UVlNULQJVGLVWULEXW|U YLONHW RFNVn VNXOOH NXQQD PHGI|UD DWW IOHU NXQGHU GULYHU PnO RP VNDGHVWnQG L DOOPlQ GRPVWRO 'HW lU HPHOOHUWLG VYnUW DWW I|UXWVH RP I|UVODJHQ NRPPHU DWW JH HQ VnGDQ HIIHNW

'HQ VDPODGH EHG|PQLQJHQ lU DWW I|UODJHQ NDQ OHGD WLOO HQ YLVV |NQLQJ DY DQWDOHW PnO L GH DOOPlQQD I|UYDOWQLQJVGRPVWRODUQD (YHQWXHOOD NRVW QDGV|NQLQJDU E|U KDQWHUDV LQRP EHILQWOLJD DQVODJVUDPDU

(NRQRPLVND NRQVHNYHQVHU I|U EHU|UGD I|UHWDJ

(NRQRPLVND NRQVHNYHQVHU I|U

I|UVlNULQJVGLVWULEXW|UHU

,QOHGQLQJ

)|UVlNULQJVI|UHWDJHQ RPIDWWDV LQWH DY EHILQWOLJ ODJ RP I|UVlNULQJV I|UPHGOLQJ )|U I|UVlNULQJVI|UHWDJHQ LQQHElU GlUI|U I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW RFK I|UVODJHW WLOO Q\ ODJ RP I|UVlNULQJVGLVWULEXWLRQ DWW I|UVlNULQJVI|UHWDJHQ EHK|YHU XWIRUPD Q\D HOOHU DQSDVVD EHILQWOLJD DGPLQLVWUDWLYD WHNQLVND RFK RUJDQLVDWRULVND V\VWHP WLOO GH Q\D ODJNUDYHQ 'lUWLOO EHK|YHU I|UVlNULQJVI|UHWDJHQ Jn LJHQRP DYWDO PHG I|UVlNULQJV I|UPHGODUH RFK DQGUD DNW|UHU VnVRP IRQGERODJ I|UYDOWQLQJVERODJ RFK $,) I|UYDOWDUH I|U DWW VlNHUVWlOOD DWW YLOONRUHQ lU L HQOLJW PHG GH Q\D UHJOHUQD

)|UVlNULQJVI|UPHGODUH RPIDWWDV UHGDQ L GDJ DY ODJNUDY VRP U|U I|UPHGOLQJ DY I|UVlNULQJ )|U I|UVlNULQJVI|UPHGODUH LQQHElU GlUI|U I|UVODJ WLOO Q\ ODJ RP I|UVlNULQJVGLVWULEXWLRQ DWW EHILQWOLJ YHUNVDPKHW EHK|YHU DQSDVVDV WLOO GH UHYLGHUDGH RFK GHOYLV Q\D UHJOHU VRP I|UHVOnV )|U I|UPHGODUQD LQQHElU GHW EO D HQ NRVWQDG DWW XWELOGD SHUVRQDO YLG EHKRY lQGUD HUVlWWQLQJVPRGHOOHU RFK L YLVVD IDOO DQV|ND RP Q\WW WLOOVWnQG )|UVODJHW PHGI|U WUROLJHQ VW|UVW I|UlQGULQJ I|U GH I|UVlNULQJVI|UPHGODUH VRP I|UPHGODU I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU RFK SHQVLRQVI|UVlNULQJDU VRP lU H[SRQHUDGH PRW PDUNQDGVYRODWLOLWHW 'HVVD I|UPHGODUH EHK|YHU YLG EHKRY DQSDVVD YHUNVDPKHWHQ WLOO GH XW|NDGH NUDY VRP I|UHVOnV I|U DWW PLQVND ULVNHQ I|U LQWUHVVHNRQIOLNWHU L VDPEDQG PHG I|UPHGOLQJ DY GHVVD I|UVlNULQJDU

opaginerad 7LOOlPSQLQJVRPUnGH RFK GHILQLWLRQHU Kontrollera mot PDF

7LOOlPSQLQJVRPUnGH RFK GHILQLWLRQHU

)|U GH I|UVlNULQJVI|UHWDJ VRP VlOMHU DQVYDUI|UVlNULQJDU WLOO I|UVlNULQJV I|UPHGODUH RFK DQGUD VRP KDU WLOOVWnQG DWW I|UPHGOD I|UVlNULQJDU LQQHElU HWW NODUJ|UDQGH DYVHHQGH WLOOlPSQLQJVRPUnGHW I|U I|UVlNULQJVI|UPHGOLQJ L UHODWLRQ WLOO LQYHVWHULQJVUnGJLYQLQJ DWW GHW EOLU OlWWDUH DWW IDVWVWlOOD SUHPLHU I|U I|UVlNULQJHQ 2VlNHUKHWHQ RP YDG VRP XWJ|U WLOOlPSQLQJV RPUnGHW I|U I|UVlNULQJVI|UPHGOLQJ KDU ELGUDJLW WLOO HWW PLQVNDW XWEXG Sn DQVYDUVI|UVlNULQJDU (WW NODUJ|UDQGH RP WLOOlPSQLQJVRPUnGHW NDQ GlUI|U ELGUD WLOO DWW XWEXGHW Sn PDUNQDGHQ I|U DQVYDUVI|UVlNULQJ |NDU

)|U I|UVlNULQJVI|UPHGODUH LQQHElU NODUJ|UDQGHW DY WLOOlPSQLQJV RPUnGHW I|U I|UVlNULQJVI|UPHGOLQJ DWW GH I|UVlNULQJVI|UPHGODUQD VRP YLOO JH LQYHVWHULQJVUnGJLYQLQJ RP ILQDQVLHOOD LQVWUXPHQW PnVWH DQV|ND RP WLOOVWnQG I|U YlUGHSDSSHUVU|UHOVH HQOLJW ODJHQ RP YlUGHSDSSHUVPDUN QDGHQ $YJLIWHQ I|U DWW In VLQ DQV|NDQ RP WLOOVWnQG DWW GULYD YlUGH SDSSHUVU|UHOVH SU|YDG NRVWDU NURQRU 'lUWLOO PHGI|U GHW EHW\GDQGH NRVWQDGHU DWW XSSUlWWD HQ DQV|NDQ (QOLJW HQ JURY XSSVNDWWQLQJ JMRUG L SURS VH V NDQ DUEHWVNRVWQDGHQ I|U DWW XSSUlWWD HQ DQV|NDQ RP WLOOVWnQG HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ XSSJn WLOO NURQRU

(Q I|UVlNULQJVI|UPHGODUH NDQ lYHQ YlOMD DWW DQV|ND RP HWW VlUVNLOW WLOOVWnQG VLGRWLOOVWnQG I|U LQYHVWHULQJVUnGJLYQLQJ RP IRQGDQGHODU VRP VND LQJn VRP WLOOJnQJDU L HQ IRQGI|UVlNULQJ HOOHU GHSnI|UVlNULQJ 'HW lU WUROLJW DWW DYJLIWHQ I|U DWW DQV|ND RP GHW VLGRWLOOVWnQG VRP I|UHVOnV L GHQQD SURPHPRULD NRPPHU DWW YDUD XQJHIlU OLND K|J VRP DYJLIWHQ I|U DWW DQV|ND RP GHW VLGRWLOOVWnQG VRP JlOOHU HQOLJW ODJHQ I|UVlNULQJV I|UPHGOLQJ GYV NURQRU $UEHWVNRVWDQGHQ I|U DWW XSSUlWWD HQ VnGDQ DQV|NDQ NRPPHU IUDPI|UDOOW DWW EHUR Sn KXU PnQJD WLPPDU I|UPHGODUHQ EHK|YHU OlJJD QHG Sn DQV|NDQ RFK RP I|UPHGODUHQ EHK|YHU WD KMlOS DY H[WHUQ DUEHWVNUDIW .RVWQDGHQ NRPPHU GRFN DWW YDUD EHW\GOLJW OlJUH lQ GHP I|U DWW DQV|ND RP HWW WLOOVWnQG HQOLJW ODJHQ RP YlUGHSDSSHUV PDUNQDGHQ

, SURPHPRULDQ I|UHVOnV YLVVD |YHUJnQJVEHVWlPPHOVHU I|U I|UVlNULQJV I|UPHGODUH VRP KDU HWW VLGRWLOOVWnQG YLG WLGSXQNWHUQ I|U ODJHQV LNUDIW WUlGDQGH DYVQLWW

)|U EHU|UGD I|UVlNULQJVI|UPHGODUH PHGI|U NODUJ|UDQGHW HQ NRVWQDG L VDPEDQG PHG DQV|NDQ RP Q\WW WLOOVWnQG 'lUWLOO NRPPHU GH LQVDWVHU VRP NUlYV I|U DWW VlNHUVWlOOD DWW DQVWlOOGD KDU GHQ NXQVNDS RFK NRPSHWHQV VRP NUlYV HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ DWW YDUD I|UHQDGH PHG YLVVD NRVWDQGHU 'HW LQQHElU lYHQ HQ NRVWQDG DWW VlNHUVWlOOD DWW I|UPHGODUHQV DGPLQLVWUDWLRQ RFK RUJDQLVDWLRQ lU XWIRUPDG L HQOLJW PHG ODJNUDYHQ .RVWQDGHU UHODWHUDGH WLOO GH I|UVODJ RFK EHG|PQLQJDU VRP U|U WLOOlPSQLQJVRPUnGH NRPPHU WUROLJHQ L KXYXGVDN SnYHUND GLVWULEXW|UHU DY OLYI|UVlNULQJDU PHGDQ GLVWULEXW|UHU DY VNDGHI|UVlNULQJDU SnYHUNDV L PLQGUH XWVWUlFNQLQJ 8W|YHU GHQ IDNWLVND NRVWQDGHQ I|U DWW DQV|ND RP Q\WW WLOOVWnQG lU GHW VYnUW DWW VNDWWD KXU VWRUD NRVWQDGHUQD I|U I|UVlNULQJVI|UPHGODUH NRPPHU DWW EOL

opaginerad 7LOOVWnQG RFK UHJLVWUHULQJ Kontrollera mot PDF

7LOOVWnQG RFK UHJLVWUHULQJ

Anknutna

'H GHOYLV Q\D UHJOHUQD I|U WLOOVWnQG RFK UHJLVWUHULQJ PHGI|U HQ NRVWQDG I|U GH DQNQXWQD I|UVlNULQJVI|UPHGODUH VRP WLOO VNLOOQDG IUnQ L GDJ EHK|YHU DQV|ND RP WLOOVWnQG I|U DWW I|UPHGOD I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU RFK SHQVLRQVI|UVlNULQJDU VRP lU H[SRQHUDGH PRW PDUNQDGVYRODWLOLWHW , GDJ lU )LQDQVLQVSHNWLRQHQV DYJLIW NURQRU I|U DWW DQV|ND RP WLOOVWnQG DWW XW|YD I|UVlNULQJVI|UPHGOLQJ HQOLJW HQ HOOHU IOHUD OLYI|UVlNULQJVNODVVHU YLONHW JHU HQ LQGLNDWLRQ RP KXU VWRU NRVWDQGHQ NDQ NRPPD DWW EOL I|U EHU|UGD DQNQXWQD I|UPHGODUH

7LOOVWnQGVNUDYHW LQQHElU DWW GHW VWlOOV OLND K|JD NUDY Sn GHP VRP VND LQJn L OHGQLQJHQ KRV HWW I|UHWDJ VRP EHGULYHU I|UVlNULQJVI|UPHGOLQJ VRP GHP VRP VND LQJn L OHGQLQJHQ KRV HWW I|UHWDJ VRP HQGDVW I|UPHGODU I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU HOOHU SHQVLRQVI|UVlNULQJDU VRP lU H[SRQHUDGH PRW PDUNQDGVYRODWLOLWHW nW HWW I|UVlNULQJVI|UHWDJ )|UVODJHW LQQHElU DWW DQVYDUHW I|U GHODU DY GHQ JUDQVNQLQJ VRP I|UVlNULQJVI|UHWDJHQ J|U DY DQNQXWQD I|UPHGODUH IO\WWDV |YHU WLOO )LQDQVLQVSHNWLRQHQ )LQDQVLQVSHNWLRQHQ NRPPHU RFNVn DWW SU|YD RP GH VRP VND VLWWD L OHGQLQJHQ I|U HQ DQNQXWHQ I|UVlNULQJVI|UPHGODUH lYHQ lU L |YULJW OlPSOLJD I|U XSSJLIWHQ

)|U I|UVlNULQJVI|UHWDJHQ LQQHElU I|UVODJHW GlUI|U HQ YLVV PLQVNDG DUEHWVE|UGD YLG NRQWUROO DY DQNQXWQD I|UVlNULQJVI|UPHGODUH VRP GLVWULEXWHUDU I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU RFK SHQVLRQV I|UVlNULQJDU VRP lU H[SRQHUDGH PRW PDUNQDGVYRODWLOLWHW 7LOOVWnQGVNUDYHW I|U DQNQXWQD I|UVlNULQJVI|UPHGODUH VRP I|UPHGODU I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU RFK SHQVLRQVI|UVlNULQJDU VRP lU H[SRQHUDGH PRW PDUNQDGVYRODWLOLWHW LQQHElU HQ VNlUSW NRQWUROO YLONHW |NDU NRQVXPHQW VN\GGHW RFK L I|UOlQJQLQJHQ I|UWURHQGHW I|U PDUNQDGHQ 'lUWLOO LQQHElU WLOOVWnQGVNUDYHW PHU OLNDUWDGH NRQNXUUHQVYLOONRU I|U GHP VRP I|UPHGODU I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU RFK SHQVLRQVI|UVlNULQJ VRP lU H[SRQHUDGH PRW PDUNQDGVYRODWLOLWHW (YHQWXHOOW NDQ WLOOVWnQGVNUDYHW PHGI|UD DWW IlUUH I|UPHGODUH YlOMHU DWW YDUD DQNQXWQD WLOO HWW I|UVlNULQJVI|UHWDJ 6DPWLGLJW ILQQV GHW RIWD I|UGHODU PHG DWW YDUD DQNQXWHQ VRP J|U DWW I|UPHGODUHQ DNWLYW YlOMHU GHQ YHUNVDPKHWVIRUPHQ IUDPI|U DWW DJHUD VMlOYVWlQGLJW 'HW lU GlUI|U LQWH VMlOYNODUW DWW GHW Q\D WLOOVWnQGVNUDYHW SnYHUNDU DQWDOHW DQNQXWQD I|UPHGODUH

Rådgivning om finansiella instrument och fondandelar

, SURS 1\D UHJOHU RP PDUNQDGHU I|U ILQDQVLHOOD LQVWUXPHQW 0L),' ,, RFK 0L),5 DQJHV DWW QlU JlOOHU UnGJLYQLQJ VRP DYVHU ILQDQVLHOOD LQVWUXPHQW VRP LQJnU L ROLND I|UVlNULQJVO|VQLQJDU RFK L SUHPLHSHQVLRQVV\VWHPHW DQVHU UHJHULQJHQ DWW VnGDQ UnGJLYQLQJ E|U DQVHV XWJ|UD LQYHVWHULQJVUnGJLYQLQJ HQOLJW 0L),' ,, V 'HWWD PHGI|U WLOOVDPPDQV PHG I|UVODJ VRP U|U WLOOlPSQLQJVRPUnGH HQOLJW DYVQLWW L GHQQD SURPHPRULD DWW GH I|UVlNULQJVI|UPHGODUH VRP YLOO XWI|UD LQYHVWHULQJVWMlQVWHU PnVWD DQV|ND RP HWW WLOOVWnQG HQOLJW ODJHQ RP YlUGH SDSSHUVPDUNQDGHQ 'HW lU HQ UHODWLYW RPIDWWDQGH RFK NRVWVDP SURFHVV DWW

DQV|ND RP HWW VnGDQW WLOOVWnQG 6RP DQJHV RYDQ lU DYJLIWHQ I|U DWW In

VLQ DQV|NDQ RP WLOOVWnQG DWW GULYD YlUGHSDSSHUVU|UHOVH SU|YDG

NURQRU 'lUWLOO NDQ NRVWQDGHUQD I|U DWW XSSUlWWD DQV|NDQ XSSJn

opaginerad 9HUNVDPKHW |YHU JUlQVHUQD Kontrollera mot PDF

WLOO FD NURQRU 'H VW|UUH I|UVlNULQJVI|UPHGODUQD Sn PDUNQDGHQ KDU UHGDQ WLOOVWnQG DWW EHGULYD YlUGHSDSSHUVU|UHOVH HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ YDUI|U GHW WUROLJWYLV IUlPVW NRPPHU YDUD GH PHOODQVWRUD I|UVlNULQJVI|UPHGODUH VRP LQWH UHGDQ KDU WLOOVWnQG VRP HYHQWXHOOW NRPPHU YDUD LQWUHVVHUDQGH DY DWW DQV|ND RP WLOOVWnQG DWW EHGULYD YlUGHSDSSHUVU|UHOVH

(QOLJW I|UVODJHW NRPPHU GHW lYHQ IRUWVlWWQLQJVYLV ILQQDV P|MOLJKHW DWW DQV|ND RP HWW VLGRWLOOVWnQG I|U DWW XWI|UD YLVVD EHJUlQVDGH LQYHVWHULQJVWMlQVWHU 6RP QlPQV RYDQ lU EHG|PQLQJHQ DWW DYJLIWHQ I|U DWW DQV|ND RP HWW VnGDQW VLGRWLOOVWnQG WUROLJHQ NRPPHU YDUD FD NURQRU 7LOOlPSQLQJVRPUnGHW I|U VLGRWLOOVWnQGHW EHJUlQVDV GRFN WLOO DWW HQGDVW DYVH LQYHVWHULQJVUnGJLYQLQJ RP IRQGHU VRP lU YDOEDUD L GHQ I|UVlNULQJ VRP KDU GLVWULEXHUDWV 'HWWD EHG|PV HPHOOHUWLG YDUD GHW EHKRY DY ILQDQVLHOOD WMlQVWHU VRP lU PHVW YDQOLJW I|UHNRPPDQGH L VDPEDQG PHG GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU RFK SHQVLRQV I|UVlNULQJDU VRP lU H[SRQHUDGH PRW PDUNQDGVYRODWLOLWHW *HQRP VLGRWLOOVWnQGHW PLQVNDU EHKRYHW I|U PnQJD I|UPHGODUH DWW DQV|ND RP GHW PHU RPIDWWDQGH WLOOVWnQGHW DWW EHGULYD YlUGHSDSSHUVU|UHOVH 'H I|UPHGODUH VRP UHGDQ KDU HWW VLGRWLOOVWnQG EHK|YHU XQGHU HQ |YHUJnQJVSHULRG LQWH KHOOHU DQV|ND RP QnJRW Q\WW WLOOVWnQG XWDQ GHW UlFNHU DWW I|UPHGODUHQ OHYHU XSS WLOO GH Q\D YLOONRU VRP JlOOHU HQOLJW ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ RFK ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ )|UVODJHQ LQQHElU VDPPDQIDWWQLQJVYLV DWW I|UVlNULQJVI|UPHGODUH VRP GLVWULEXHUDU I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU RFK YLVVD SHQVLRQVI|UVlNULQJDU RFK VRP YLOO JH UnG RP ILQDQVLHOOD LQVWUXPHQW NRPPHU DWW EHK|YD DQV|ND RP Q\D WLOOVWnQG

'lUWLOO NRPPHU GHW JLYHWYLV NUlYDV DWW VDPWOLJD I|UVlNULQJVI|UPHGODUH OHYHU XSS WLOO GH Q\D NUDY VRP I|OMHU PHG WLOOVWnQG HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ HOOHU VLGRWLOOVWnQGHW YLONHW PHGI|U NRVWQDGHU L IRUP DY EO D DGPLQLVWUDWLRQ RFK XWELOGQLQJ DY SHUVRQDO

9HUNVDPKHW |YHU JUlQVHUQD

'HQ JUlQV|YHUVNULGDQGH YHUNVDPKHWHQ LQRP I|UVlNULQJ lU JHQHUHOOW VHWW OLWHQ RFK EHG|PV LQWH SnYHUNDV L QnJRQ VW|UUH XWVWUlFNQLQJ DY I|UVODJHQ )|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW EHG|PV LQWH PHGI|UD QnJUD VW|UUH I|UlQGULQJDU I|U I|UVlNULQJVGLVWULEXW|UHUQDV P|MOLJKHWHU DWW EHGULYD YHUNVDPKHW |YHU JUlQVHUQD *HQRP GLUHNWLYHW NODUJ|UV HPHOOHUWLG GH I|UIDUDQGHQ VRP VND I|UHJn LQOHGDQGH DY YHUNVDPKHW L HWW DQQDW ODQG LQRP ((6 PHG VW|G DY HWDEOHULQJVIULKHWHQ HOOHU IULKHWHQ DWW WLOOKDQGDKnOOD WMlQVWHU %HVWlPPHOVHUQD L GLUHNWLYHW E\JJHU Sn SULQFLSHQ RP HQ HQGD DXNWRULVDWLRQ VRP InU DQVHV HWDEOHUDG Sn ILQDQVPDUNQDGHQV RPUnGH 'H I|UVlNULQJVGLVWULEXW|UHU VRP JUlQV|YHUVNULGHU LQ Sn GHQ VYHQVND PDUNQDGHQ VND HPHOOHUWLG I|OMD GH NUDY VRP JlOOHU HQOLJW VYHQVN ODJVWLIWQLQJ RFK VYHQVND I|UVlNULQJVGLVWULEXW|UHU VRP JUlQV|YHUVNULGHU LQ Sn HQ XWOlQGVN PDUNQDG VND I|OMD GH NUDY VRP JlOOHU L GHW ODQGHW GlU

YHUNVDPKHWHQ EHGULYV

s. 5 5HJOHU I|U YHUNVDPKHWHQ Kontrollera mot PDF

5HJOHU I|U YHUNVDPKHWHQ

, SURPHPRULDQ I|UHVOnV IOHUD Q\D RFK UHYLGHUDGH UHJOHU I|U YHUNVDPKHWHQ )|UHVODJHQ LQQHElU Q\D NUDY YLG UnGJLYQLQJ Sn JUXQGYDO DY HQ SHUVRQOLJ RFK RSDUWLVN DQDO\V VNlUSWD YLOONRU I|U WUHGMHSDUWVHUVlWWQLQJDU I|UlQGUDGH YLOONRU I|U PDUNQDGVI|ULQJ VNlUSWD UHJOHU I|U HUVlWWQLQJ DY SHUVRQDO RFK XW|NDGH NUDY QlU GHW JlOOHU LQWHUQ NRQWUROO DY DQVWlOOGDV NXQVNDS RFK NRPSHQWHQV VDPW VNlUSD YLOONRU YLG NRUVI|UVlOMQLQJ RFK NRSSOLQJV I|UEHKnOO 'HVVD NUDY NRPPHU DWW PHGI|UD NRVWQDGHU I|U I|UVlNULQJV GLVWULEXW|UHU L VDPEDQG PHG |YHUV\Q DY EHILQWOLJD DYWDO RFK HUVlWWQLQJVPRGHOOHU VDPW YLG EHKRY UHYLGHULQJ DY Q\D DYWDO RFK HUVlWWQLQJVXSSOlJJ I|U DWW GHVVD VND YDUD I|UHQOLJD PHG UHJHOYHUNHW )|U I|UVlNULQJVI|UPHGODUH VRP L GDJ PDUNQDGVI|U ILQDQVLHOOD LQVWUXPHQW PHGI|U GH lQGUDGH YLOONRUHQ DWW I|UPHGODUHQ PnVWH DQV|ND RP HWW WLOOVWnQG HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ I|U DWW NXQQD IRUWVlWWD PHG GHQ PDUNQDGVI|ULQJHQ (Q I|UVlNULQJVI|UPHGODUH VRP lU DQNQXWHW RPEXG HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ InU lYHQ L IRUWVlWWQLQJHQ PDUNQDGVI|UD GH WMlQVWHU VRP RPIDWWDV DY WLOOVWnQGHW HQOLJW GHQ ODJHQ )|UVODJHW LQQHElU VnOHGHV LQWH QnJRW JHQHUHOOW I|UEXG PRW YLVV PDUNQDGVI|ULQJ $YVLNWHQ lU HQGDVW DWW UHJOHUD YDG VRP InU PDUNQDGVI|UDV LQRP UDPHQ I|U HWW WLOOVWnQG DWW GULYD YHUNVDPKHW VRP I|UVlNULQJVI|UPHGODUH )|U I|UVlNULQJVI|UPHGODUH VRP LQWH UHGDQ KDU WLOOVWnQG HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ LQQHElU GHW HQ NRVWQDG DWW DQV|ND RP HWW VnGDQW DOWHUQDWLYW DWW XSSK|UD PHG PDUNQDGVI|ULQJHQ RFK Gn Jn PLVWH RP GH LQWlNWHU VRP PDUNQDGVI|ULQJHQ JHQHUHUDU

$YVQLWWHW RP UHJOHU I|U YHUNVDPKHWHQ LQQHKnOOHU RFNVn HQ UDG NUDY VRP ULNWDU VLJ WLOO GH I|UVlNULQJVGLVWULEXW|UHU VRP VMlOYD WDU IUDP I|UVlNULQJVSURGXNWHU EO D DYVHHQGH SURFHVV I|U SURGXNWJRGNlQQDQGH SURGXNWLQIRUPDWLRQ RFK SURGXNWNlQQHGRP 'H VNlUSWD UHJOHUQD LQQHElU HQ NRVWQDG IUlPVW DY HQJnQJVNDUDNWlU I|U DWW DQSDVVD SURFHVVHQ I|U XWIRUPDQGH DY I|UVlNULQJVSURGXNWHU HQOLJW GH Q\D NUDYHQ

,QIRUPDWLRQVNUDY RFK XSSI|UDQGHUHJOHU

)|UVODJHW LQQHElU DWW GH VRP L GDJ EHGULYHU I|UVlNULQJVGLVWULEXWLRQ NRPPHU DWW EHK|YD J|UD YLVVD L KXYXGVDN DGPLQLVWUDWLYD I|UlQGULQJDU DY VLQ YHUNVDPKHW I|U DWW OHYD XSS WLOO GH UHYLGHUDGH RFK Q\D NUDY VRP VWlOOV Sn I|UVlNULQJVGLVWULEXW|UHU )|UVODJHQ EHG|PV L KXYXGVDN OHGD WLOO NRVWQDGHU DY HQJnQJVNDUDNWlU I|U DWW EO D DQSDVVD LQWHUQD VW\UGRNXPHQW LQIRUPDWLRQV RFK GRNXPHQWDWLRQVPDWHULDO RFK DYWDO HIWHU GH Q\D UHJOHUQD bYHQ GH I|UlQGUDGH NUDYHQ L IUnJD RP NXQVNDS RFK NRPSHWHQV NDQ PHGI|UD NRVWQDGHU I|U DWW LQIRUPHUD RFK XWELOGD SHUVRQDO

<WWHUOLJDUH NUDY I|U I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU RFK YLVVD SHQVLRQVI|UVlNULQJDU

, SURPHPRULDQ I|UHVOnV DWW K|JUH VWlOOGD NUDY VND JlOOD I|U GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU 9LGDUH I|UHVOnV DWW HQ I|UVlNULQJVI|UPHGODUH HOOHU HWW I|UVlNULQJVI|UHWDJ VRP GLVWULEXHUDU SHQVLRQVI|UVlNULQJDU VRP lU H[SRQHUDGH PRW PDUNQDGVYRODWLOLWHW VND WLOOlPSD UHJOHUQD DYVHHQGH I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU QlU

GHW JlOOHU HIIHNWLYD RUJDQLVDWRULVND RFK DGPLQLVWUDWLYD I|UIDUDQGHQ

s. 6 5HJOHU I|U YHUNVDPKHWHQ Kontrollera mot PDF

LGHQWLILHULQJ RFK KDQWHULQJ DY LQWUHVVHNRQIOLNWHU WUHGMHSDUWVHUVlWWQLQJDU

OlPSOLJKHWVEHG|PQLQJ VDPW GRNXPHQWDWLRQ RFK UDSSRUWHULQJ

)|U I|UVlNULQJVGLVWULEXW|UHU VRP GLVWULEXHUDU I|UVlNULQJVEDVHUDGH

LQYHVWHULQJVSURGXNWHU RFK HOOHU SHQVLRQVI|UVlNULQJDU VRP lU H[SRQHUDGH

PRW PDUNQDGVYRODWLOLWHW PHGI|U I|UVODJHW NUDIWLJW VNlUSWD NUDY 5HJOHUQD

LQQHElU DWW WUHGMHSDUWVHUVlWWQLQJ HQGDVW lU WLOOnWHQ RP GHQ LQWH I|UVlPUDU

NYDOLWHWHQ Sn GHQ WMlQVW VRP HUEMXGV RFK DWW HWW VlUVNLOW I|UEXG LQI|UV PRW

V N I|UVNRWWVXWEHWDODG WUHGMHSDUWVHUVlWWQLQJ (QOLJW I|UVODJHW EHP\QGLJDV

)LQDQVLQVSHNWLRQHQ DWW WD IUDP ULNWOLQMHU VRP QlUPDUH DQJHU KXU

EHVWlPPHOVHUQD VND WLOOlPSDV )|UVlNULQJVI|UPHGODUH VND VnOHGHV lYHQ

VlNHUVWlOOD DWW YHUNVDPKHWHQ EHGULYV L HQOLJKHW PHG GHVVD PHU GHWDOMHUDGH

EHVWlPPHOVHU

)|U GH I|UVlNULQJVI|UPHGODUH VRP KDU HUVlWWQLQJVPRGHOOHU VRP LQWH

XSSI\OOHU GH NUDY VRP I|UHVOnV EOLU NRQVHNYHQVHQ DWW I|UPHGODUHQ

EHK|YHU lQGUD XWJnQJVSXQNWHU I|U Q\D |YHUHQVNRPPHOVHU VRP VND

WUlIIDV )|UVNRWWVXWEHWDOQLQJDU JHU L UHJHO I|UPHGODUH HQ VW|UUH GHO DY

HUVlWWQLQJHQ UHGDQ L VDPEDQG PHG DWW I|UVlNULQJVDYWDOHW WHFNQDV )OHUD

I|UVlNULQJVI|UHWDJ RFK I|UVlNULQJVI|UPHGODUH KDU UHGDQ IUnQJnWW GHQ

W\SHQ DY HUVlWWQLQJVPRGHOOHU HIWHUVRP GH JHU XSSKRY WLOO

LQWUHVVHNRQIOLNWHU EO D JHQRP DWW HQ I|UPHGODUH NDQ KD LQWUHVVH DY DWW HWW

I|UVlNULQJVNRQWUDNW LQWH DYEU\WV HIWHUVRP GHQQH Gn NDQ EHK|YD EHWDOD

WLOOEDNV GHODU DY HUVlWWQLQJHQ HWF )|U GH I|UVlNULQJVI|UHWDJ RFK GH

I|UVlNULQJVI|UPHGODUH VRP KDU NYDU GHQ W\SHQ DY HUVlWWQLQJVPRGHOOHU

PHGI|U GH Q\D UHJOHUQD RPVWlOOQLQJVNRVWQDGHU I|U DWW XWIRUPD Q\D

HUVlWWQLQJVPRGHOOHU I|U GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJV

SURGXNWHU RFK SHQVLRQVI|UVlNULQJDU VRP lU H[SRQHUDGH PRW PDUNQDGV

YRODWLOLWHW 'HQQD NRVWQDG EHG|PV HPHOOHUWLG YDUD DY HQJnQJVNDUDNWlU

)|UEXGHW PRW I|UVNRWWVXWEHWDOG SURYLVLRQ RFK UHJHOQ RP DWW HQGDVW

SURYLVLRQHU VRP LQWH SnYHUNDU NYDOLWHWHQ Sn WMlQVWHQ QHJDWLYW lU WLOOnWHQ

VNDSDU HQ PHU HQKHWOLJ VSHOSODQ I|U KHOD PDUNQDGHQ I|U I|UVlNULQJV

EDVHUDGH LQYHVWHULQJVSURGXNWHU RFK SHQVLRQVI|UVlNULQJDU VRP lU H[SR

QHUDGH PRW PDUNQDGVYRODWLOLWHW VDPWLGLJW VRP NRQVXPHQWVN\GGHW VWlUNV

.RQVHNYHQVHU I|U YDOFHQWUDOHU

3n GHW NROOHNWLYDYWDODGH WMlQVWHSHQVLRQVRPUnGHW XSSI\OOV I|UVlNULQJV

I|UHWDJHQV LQIRUPDWLRQVVN\OGLJKHW WLOO VWRU GHO DY YDOFHQWUDOHU VRP EO D

KDU WLOO XSSJLIW DWW YLG DQVOXWQLQJ DY HQ DQVWlOOG OlPQD LQIRUPDWLRQ WLOO GHQ

DQVWlOOGH RP GH YDOEDUD I|UVlNULQJVI|UHWDJHQ RFK GHUDV HUEMXGDQGHQ

)|UVODJHQ L SURPHPRULDQ EHG|PV LQWH XWJ|UD QnJRW KLQGHU PRW DWW

EHKnOOD GHQ LQIRUPDWLRQVPRGHOO VRP DQYlQGV Sn GHQ VYHQVND PDUNQDGHQ

L GDJ

.RQVHNYHQVHU I|U SUHPLHSHQVLRQVUnGJLYQLQJ

3UHPLHSHQVLRQHQ lU HWW REOLJDWRULVNW VSDUDQGH VRP lU HQ GHO DY DOOPlQQD SHQVLRQHQ 3HU GHQ GHFHPEHU IDQQV GHW FD PLOMRQHU SHUVRQHU LQRP SUHPLHSHQVLRQVV\VWHPHW YDUDY FD YDU SHQVLRQVVSDUDUH RFK SHQVLRQlUHU 0DUNQDGVYlUGHW DY SHQVLRQVVSDUDUQDV RFK SHQVLRQ lUHUQDV SUHPLHSHQVLRQVWLOOJnQJDU XSSJLFN GHQ GHFHPEHU WLOO

PLOMRQHU NURQRU 3HQVLRQVP\QGLJKHWHQ 6) .DSLWDOHW

s. 7 6DPPDQIDWWQLQJVYLV RP NRQVHNYHQVHU I|U EHU|UGD I|UVlNULQJVGLVWULEXW|UHU Kontrollera mot PDF

I|UYDOWDV L GH FD IRQGHU VRP lU YDOEDUD Sn 3HQVLRQVP\QGLJKHWHQV IRQGWRUJ 7RWDOW DQOLWDU FD SHQVLRQVVSDUDUH GU\JW YDU VMlWWH SHQVLRQVVSDUDUH PHG HJHQ SRUWI|OM Vn NDOODGH I|UYDOWQLQJVWMlQVWHU I|U I|UYDOWQLQJ DY VLQD SUHPLHSHQVLRQVIRQGHU 7MlQVWHQ LQQHElU DWW I|UHWDJ |YHUWDU I|UYDOWQLQJHQ PRW HQ DYJLIW

, SURS 1\D UHJOHU RP PDUNQDGHU I|U ILQDQVLHOOD LQVWUX PHQW 0L),' ,, RFK 0L),5 DQJHV DWW QlU JlOOHU UnGJLYQLQJ VRP DYVHU ILQDQVLHOOD LQVWUXPHQW VRP LQJnU L ROLND I|UVlNULQJVO|VQLQJDU RFK L SUHPLHSHQVLRQVV\VWHPHW DQVHU UHJHULQJHQ DWW VnGDQ UnGJLYQLQJ E|U DQVHV XWJ|UD LQYHVWHULQJVUnGJLYQLQJ HQOLJW 0L),' ,, V

'HW LQQHElU DWW GH I|UVlNULQJVI|UPHGODUH VRP YLOO JH LQYHVWHULQJV UnGJLYQLQJ RP IRQGHU Sn 3HQVLRQVP\QGLJKHWHQV IRQGWRUJ PnVWH KD HWW WLOOVWnQG DWW EHGULYD YlUGHSDSSHUVU|UHOVH HQOLJW ODJHQ RP YlUGHSDSSHUV PDUNQDGHQ HOOHU YDUD HWW DQNQXWHW RPEXG WLOO HWW YlUGHSDSSHUVI|UHWDJ

, GHQQD SURPHPRULD J|UV EHG|PQLQJHQ DWW GHW LQWH E|U LQI|UDV QnJRW VlUVNLOW VLGRWLOOVWnQG I|U LQYHVWHULQJVUnGJLYQLQJ RP IRQGHU Sn 3HQVLRQVP\QGLJKHWHQV IRQGWRUJ 'HW lU YLNWLJW DWW GH WMlQVWHU VRP HUEMXGV L DQVOXWQLQJ WLOO V\VWHPHW I|U DWW KMlOSD VSDUDUH PHG IRQGYDO lU SURIHVVLRQHOOD RFK XWJnU LIUnQ VSDUDUHQV ElVWD 2P VSDUDQGHW PLQVNDU L YlUGH Sn JUXQG DY UnGJLYQLQJ VRP LQWH WLOOI|U NXQGHQ HWW PHUYlUGH HOOHU RP DYJLIWHUQD I|U I|UYDOWQLQJVWMlQVWHQ XUKRONDU NDSLWDOHWV YlUGH lU GHWWD P\FNHW SUREOHPDWLVNW I|U VnYlO GHQ HQVNLOGH VSDUDUHQ VRP I|U VDPKlOOVHNRQRPLQ Sn VLNW 2VHUL|V UnGJLYQLQJ XQGHUJUlYHU lYHQ KHOD SUHPLHSHQVLRQVV\VWHPHWV OHJLWLPLWHW RFK NDQ ELGUD WLOO DWW VW|GHW I|U QXYDUDQGH V\VWHPXWIRUPQLQJ PLQVNDU NUDIWLJW

'HW ILQQV LQJD XSSJLIWHU RP KXU PnQJD I|UVlNULQJVI|UPHGODUH VRP L GDJ HUEMXGHU UnGJLYQLQJ RP IRQGHU Sn 3HQVLRQVP\QGLJKHWHQV IRQGWRUJ RFK VRP EHU|UV DY I|UVODJHW L SURS

6DPPDQIDWWQLQJVYLV RP NRQVHNYHQVHU I|U EHU|UGD I|UVlNULQJVGLVWULEXW|UHU

6DPPDQWDJHW LQQHElU I|UVODJHQ L GHQQD SURPHPRULD XW|NDGH NUDY I|U EHU|UGD I\VLVND RFK MXULGLVND SHUVRQHU MlPI|UW PHG YDG VRP JlOOHU HQOLJW I|UVlNULQJVI|UPHGOLQJVODJHQ 'H |NDGH NUDYHQ lU L KXYXGVDN HQ HIIHNW DY GH Q\D NUDY VRP WLOONRPPHU JHQRP I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW PHQ lU lYHQ HWW UHVXOWDW DY GH \WWHUOLJDUH EHVWlPPHOVHU VRP I|UHVOnV L GHQQD SURPHPRULD )|U EHU|UGD I\VLVND RFK MXULGLVND SHUVRQHU KDQGODU GHW IUDPI|U DOOW RP DWW DQSDVVD GRNXPHQW RFK DYWDO WLOO GHW I|UHVODJQD UHJHOYHUNHW RFK VlNHUVWlOOD DWW SHUVRQDO DJHUDU L HQOLJKHW PHG GH UHYLGHUDGH RFK Q\D NUDYHQ

)|UVODJHW LQQHElU RFNVn DWW DQNQXWQD I|UPHGODUH VRP YLOO I|UPHGOD YLVVD OLYI|UVlNULQJDU EHK|YHU DQV|ND RP WLOOVWnQG GlUWLOO EHK|YHU I|UPHGODUH VRP YLOO JH LQYHVWHULQJVUnGJLYQLQJ RP IRQGHU L HQ I|UVlNULQJ DQV|ND RP WLOOVWnQG I|U YlUGHSDSSHUVU|UHOVH HQOLJW ODJHQ RP YlUGH SDSSHUVPDUNQDGHQ HOOHU HWW HQNODUH VLGRWLOOVWnQG HQOLJW ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ )|UVODJHW LQQHElU GlUWLOO DWW I|UVlNULQJVI|UPHG ODUH VRP YLOO JH LQYHVWHULQJVUnGJLYQLQJ RP IRQGHU LQRP SUHPLHSHQVLRQV V\VWHPHW EHK|YHU WLOOVWnQG HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ

opaginerad (NRQRPLVND NRQVHNYHQVHU I|U IRQGERODJ $,) Kontrollera mot PDF

(NRQRPLVND NRQVHNYHQVHU I|U IRQGERODJ $,)

I|UYDOWDUH RFK I|UYDOWQLQJVERODJ

)OHUD IRQGERODJ $,) I|UYDOWDUH RFK I|UYDOWQLQJVERODJ KDU HWDEOHUDGH

VDPDUEHWHQ PHG I|UVlNULQJVI|UHWDJ RFK I|UVlNULQJVI|UPHGODUH I|U DWW

VlOMD RFK PDUNQDGVI|UD IRQGHU WLOO NXQGHU VRP KDU HOOHU YLOO KD HWW

VSDUDQGH L HQ I|UVlNULQJVO|VQLQJ 'lUWLOO lU 3HQVLRQVP\QGLJKHWHQV

IRQGWRUJ LQRP SUHPLHSHQVLRQVV\VWHPHW HWW VlWW I|U IRQGERODJ RFK

I|UYDOWQLQJVERODJ DWW PDUNQDGVI|UD RFK VlOMD IRQGDQGHODU WLOO VYHQVND

VSDUDUH

)|U IRQGERODJ $,) I|UYDOWDUH RFK I|UYDOWQLQJVERODJ VRP VDPDUEHWDU

PHG I|UVlNULQJVI|UHWDJ RFK I|UVlNULQJVI|UPHGODUH NRPPHU GH lQGUDGH

RFK Q\D NUDYHQ VRP I|UHVOnV L GHQQD SURPHPRULD WLOOVDPPDQV PHG GH

Q\D NUDY VRP DQJHV L SURS DWW PHGI|UD DWW GH EHK|YHU VH

|YHU DYWDO RFK DQGUD |YHUHQVNRPPHOVHU PHG I|UVlNULQJVI|UHWDJHQ RFK

I|UVlNULQJVI|UPHGODUH 'HWWD GHOV I|U DWW VlNHUVWlOOD DWW I|UVlNULQJV

I|UHWDJHQ RFK I|UVlNULQJVI|UPHGODUHQ KDU GH WLOOVWnQG VRP NUlYV I|U DWW

W H[ XWI|UD LQYHVWHULQJVUnGJLYQLQJ RP IRQGDQGHODU GHOV I|U DWW YLG EHKRY

lQGUD DYWDOHQ Vn DWW YLOONRUHQ lU I|UHQOLJD PHG GH Q\D UHYLGHUDGH RFK Q\D

NUDY RP W H[ WUHGMHSDUWVHUVlWWQLQJ VRP I|UHVOnV L SURPHPRULDQ RFK L

SURS

*HQRP I|UVODJ L GHQQD SURPHPRULD EOLU GHW LQWH KHOOHU OlQJUH P|MOLJW

I|U HQ I|UVlNULQJVI|UPHGODUH DWW PDUNQDGVI|UD IRQGDQGHODU L VDPEDQG

PHG GLVWULEXWLRQ DY I|UVlNULQJ 'HW LQQHElU DWW IRQGERODJ $,) I|UYDOWDUH

RFK I|UYDOWQLQJVERODJ EHK|YHU DYVOXWD GH HY VDPDUEHWHQ RP PDUNQDGV

I|ULQJ DY IRQGDQGHODU VRP ILQQV L GDJ PHG I|UVlNULQJVI|UPHGODUH

.UDYHQ Sn WLOOVWnQG HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ HOOHU HWW

VLGRWLOOVWnQG I|U DWW In JH LQYHVWHULQJVUnGJLYQLQJ RP IRQGDQGHODU NDQ

NRPPD DWW PHGI|UD DWW IlUUH I|UVlNULQJVI|UPHGODUH lQ L GDJ NRPPHU DWW

NXQQD XWI|UD YLVVD WMlQVWHU nW IRQGERODJ $,) I|UYDOWDUH RFK I|UYDOWQLQJV

ERODJ 6DPPDQWDJHW NDQ GH Q\D UHJOHUQD OHGD WLOO DWW IRQGERODJ $,)

I|UI|UYDOWDUH RFK I|UYDOWQLQJVERODJ InU V|ND GHOYLV Q\D YlJDU I|U DWW VlOMD

RFK PDUNQDGVI|UD IRQGDQGHODU

'H UHJOHU VRP I|UHVOnV L GHQQD SURPHPRULD WLOOVDPPDQV PHG GH

VNlUSWD UHJOHU VRP I|UHVOnV L SURS LQQHElU VDPWLGLJW DWW

NUDYHQ |NDU RFK EOLU PHU HQKHWOLJD Sn KHOD PDUNQDGHQ I|U LQYHVWH

ULQJVUnGJLYQLQJ RP IRQGDQGHODU

'H Q\D NUDYHQ I|U |NDG WUDQVSDUHQV RFK PLQVNDGH LQWUHVVHNRQIOLNWHU

NDQ NRPPD DWW LQQHElUD DWW VDPDUEHWVIRUPHUQD I|UlQGUDV PHOODQ

IRQGPDUNQDGHQ RFK I|UVlNULQJVPDUNQDGHQ 'H Q\D NUDYHQ Sn WUDQV

SDUHQV NDQ OHGD WLOO DWW GH ROLND WMlQVWHUQD VRP HQ NXQG HUEMXGV L VDPEDQG

PHG DWW KDQ HOOHU KRQ N|SHU HQ I|UVlNULQJVEDVHUDG LQYHVWHULQJVSURGXNW

HOOHU HQ SHQVLRQVI|UVlNULQJ SULVVlWWV W\GOLJDUH XWLIUnQ YDG YDUMH WMlQVW

NRVWDU 'HW VNXOOH LQQHElUD DWW GHW EOLU W\GOLJDUH I|U NXQGHQ YLOND

NRVWQDGHU VRP I|UVlNULQJVI|UHWDJHQV DYJLIW WlFNHU YDG I|UVlNULQJV

I|UPHGODUHQV WMlQVWHU NRVWDU RFK KXU P\FNHW DY IRQGDYJLIWHQ VRP JnU WLOO

IRQGI|UYDOWDUH UHVSHNWLYH WLOO I|UVlNULQJVI|UHWDJHW

'H Q\D UHJOHUQD PHGI|U RFNVn Q\D RFK NUDIWLJW K|MGD NUDY YDG JlOOHU

XWIRUPQLQJHQ DY WUHGMHSDUWVHUVlWWQLQJDU 'H Q\D UHJOHU VRP I|UHVOnV

DYVHHQGH WUHGMHSDUWVHUVlWWQLQJDU L VnYlO GHQQD SURPHPRULD VRP SURS

PHGI|U DWW IRQGERODJ $,) I|UYDOWDUH RFK I|UYDOWQLQJVERODJ

opaginerad .RQVHNYHQVHU I|U NXQGHU Kontrollera mot PDF

PnVWH VlNHUVWlOOD DWW GHUDV HUVlWWQLQJVPRGHOOHU lU I|UHQOLJD PHG GH Q\D NUDYHQ 6W|UVW I|UlQGULQJ EOL QlU UnGJLYQLQJHQ RP I|UVlNULQJHQ VNHU Sn JUXQGYDO DY HQ SHUVRQOLJ RFK RSDUWLVN DQDO\V RFK LQYHVWHULQJV UnGJLYQLQJHQ RP IRQGDQGHODU VNHU Sn REHURHQGH JUXQG )|UHQNODW XWWU\FNW InU GHQ VRP JHWW UnGHW LQWH WD HPRW RFK EHKnOOD HUVlWWQLQJ IUnQ QnJRQ DQQDQ lQ NXQGHQ RFK LQWH KHOOHU JH UnG RP HJQD SURGXNWHU

'H Q\D UHJOHUQD NRPPHU DWW PHGI|UD L KXYXGVDN HQJnQJVNRVWQDGHU L VDPEDQG PHG |YHUV\Q DY EHILQWOLJD DIIlUV|YHUHQVNRPPHOVHU RFK DGPLQLVWUDWLYD V\VWHP VDPW YLG EHKRY YLG I|UlQGULQJDU DY GHVVD I|U DWW VlNHUVWlOOD DWW GH lU I|UHQOLJD PHG GH UHYLGHUDGH RFK Q\D NUDYHQ

'H VNlUSWD UHJOHUQD ELGUDU HPHOOHUWLG WLOO HQ PHU NRQNXUUHQVQHXWUDO PDUNQDG I|U LQYHVWHULQJVUnGJLYQLQJ RP IRQGDQGHODU JHQHUHOOW $WW GH DNW|UHU VRP JHU LQYHVWHULQJVUnGJLYQLQJ RP IRQGDQGHODU lU I|UHPnO I|U OLNDUWDGH NUDY YDG JlOOHU EO D NXQVNDS RFK NRPSHWHQV WUDQVSDUHQV VDPW WUHGMHSDUWVHUVlWWQLQJDU ELGUDU WUROLJWYLV WLOO HQ |NDG NYDOLWp Sn UnGJLYQLQJHQ RP IRQGDQGHODU YLONHW L VLQ WXU ELGUDU WLOO HWW OnQJVLNWLJW VWlUNW I|UWURHQGH I|U IRQGPDUNQDGHQ

.RQVHNYHQVHU I|U NXQGHU

(QOLJW )LQDQVLQVSHNWLRQHQV UDSSRUW .RQVXPHQWVN\GGHW Sn ILQDQVPDUN QDGHQ ILQQV PHU lQ KlOIWHQ DY VYHQVNDUQDV VSDUDQGH L ROLND IRUPHU DY I|UVlNULQJVO|VQLQJDU PHG SUHPLHSHQVLRQHQ PHGUlNQDG (Q VWRU GHO DY GHWWD XWJ|UV DY WMlQVWHSHQVLRQHU PHQ GHW ILQQV lYHQ HWW EHW\GDQGH SULYDW VSDUDQGH L SULYDWD SHQVLRQVI|UVlNULQJDU RFK NDSLWDO I|UVlNULQJDU (Q |YHUJnQJ IUnQ I|UPnQVEHVWlPGD WLOO SUHPLHEHVWlPGD WMlQVWHSHQVLRQHU RFK GHW IDNWXP DWW DOOW IOHU VSDUDU L IRQG RFK GHSnI|UVlNULQJ LQQHElU DWW NRQVXPHQWHU L VLWW SHQVLRQVVSDUDQGH VWlOOV LQI|U YDO UHODWHUDW WLOO YlUGHSDSSHUVIRQGHU VSHFLDOIRQGHU RFK DQGUD ILQDQVLHOOD LQVWUXPHQW

)|UVODJHQ L SURPHPRULDQ LQQHElU VDPPDQWDJHW DWW NRQVXPHQWVN\GGHW VWlUNV I|U NXQGHU VlUVNLOW YLG GLVWULEXWLRQ DY I|UVlNULQJDU VRP V\IWDU WLOO VSDUDQGH VnVRP IRQG RFK GHSnI|UVlNULQJDU

)|UVlNULQJVNXQGHU lU JHQHUHOOW VHWW L NXQVNDSVXQGHUOlJH MlPI|UW PHG I|UVlNULQJVGLVWULEXW|UHU L VDPEDQG PHG N|S DY I|UVlNULQJ )OHUD DY I|UVODJHQ V\IWDU WLOO DWW PLQVND GHWWD NXQVNDSVXQGHUOlJH HOOHU NRPSHQVHUD I|U GHWWD EO D JHQRP XW|NDGH NUDY Sn LQIRUPDWLRQ RFK GRNXPHQWDWLRQ

.RQVXPHQWVN\GGHW VWlUNV RFNVn JHQRP GH I|UVODJ VRP LQQHElU DWW LQWUHVVHNRQIOLNWHU UHODWHUDGH WLOO WUHGMHSDUWVHUVlWWQLQJDU UHGXFHUDV HOOHU I|UVYLQQHU KHOW

'lUWLOO VWlUNV NRQVXPHQWVN\GGHW JHQRP DWW WU|VNODUQD K|MV I|U DWW EHGULYD I|UVlNULQJVGLVWULEXWLRQ EO D JHQRP DWW XW|NDGH NUDY Sn GHP VRP DQV|NHU RP WLOOVWnQG I|U DWW EHGULYD I|UVlNULQJVI|UPHGOLQJ

.RQVXPHWVN\GGHW VWlUNV PHVW I|U I|UVlNULQJVWDJDUH VRP N|SHU I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU HOOHU SHQVLRQVI|UVlNULQJDU VRP lU H[SRQHUDGH PRW PDUNQDGVYRODWLOLWHW 'HWWD VNHU IUDPI|UDOOW JHQRP GH \WWHUOLJDUH NUDY VRP VWlOOV Sn I|UVlNULQJVGLVWULEXW|UHU YLG GLVWULEXWLRQ DY GHQ W\SHQ DY I|UVlNULQJDU

opaginerad .RQVHNYHQVHU I|U NXQGHU Kontrollera mot PDF

'lUWLOO ELGUDU NODUJ|UDQGHW RP YLOND WLOOVWnQG VRP NUlYV I|U

LQYHVWHULQJVUnGJLYQLQJ RP ILQDQVLHOOD LQVWUXPHQW UHVSHNWLYH OLYI|UVlNULQJ

WLOO DWW NUDYHQ VNlUSV RFK DWW UHJOHULQJHQ EOLU PHU OLNDUWDG DYVHHQGH

UnGJLYQLQJ Sn ILQDQVPDUNQDGVRPUnGHW

7LOOVDPPDQV PHG GH Q\D UHJOHU VRP I|UHVOnV JlOOD YLG LQYHVWHULQJV

UnGJLYQLQJ Sn REHURHQGH JUXQG HQOLJW I|UVODJ L SURS VNDSDV

lYHQ I|UXWVlWWQLQJDU I|U HQ PDUNQDG DWW Yl[D IUDP VRP HUEMXGHU

UnGJLYQLQJ RP VnYlO I|UVlNULQJ VRP ILQDQVLHOOD LQVWUXPHQW VRP lU IUL IUnQ

LQWUHVVHNRQIOLNWHU )|U NXQGHU LQQHElU GHWWD DWW GH NDQ YlOMD DWW EHWDOD I|U

HQ UnGJLYQLQJ VRP lU IUL IUnQ LQWUHVVHNRQIOLNWHU

6DPPDQWDJHW EHG|PV NXQGVN\GGHW VWlUNDV NUDIWLJW JHQRP I|UVODJHQ L

GHQQD SURPHPRULD RFK L SURS VH V

7LGVnWJnQJ RFK I|UHWDJHQV DGPLQLVWUDWLYD NRVWQDGHU

)|UVlNULQJVI|UHWDJ RFK I|UVlNULQJVI|UPHGODUH NRPPHU DWW EHK|YD VWlOOD RP VLQ YHUNVDPKHW Vn DWW GHQ lU I|UHQOLJ PHG GH UHYLGHUDGH RFK Q\D UHJOHUQD )|U I|UVlNULQJVGLVWULEXW|UHUQD PHGI|U GHW DGPLQLVWUDWLYD NRVWQDGHU EO D I|U DWW XSSGDWHUD LQWHUQD RFK H[WHUQD GRNXPHQW RFK XWELOGD SHUVRQDO RP GH Q\D UHJOHUQD 'lUWLOO PHGI|U VDQQROLNW IOHUD DY UHJHOlQGULQJDUQD DWW LW V\VWHP EHK|YHU XSSGDWHUDV I|U DWW YDUD I|UHQOLJD PHG UHJHOYHUNHW

, IUnJD RP DYWDO RP I|UVlNULQJVI|UPHGOLQJ VRP KDU LQJnWWV I|UH LNUDIW WUlGDQGHW DY ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ JlOOHU lOGUH EHVWlPPHOVHU 2P HQ I|UVlNULQJVGLVWULEXW|U JRGWDU HQ I|UOlQJQLQJ DY DYWDOHW HIWHU LNUDIW WUlGDQGHW JlOOHU GRFN GH Q\D EHVWlPPHOVHUQD 'HW LQQHElU DWW I|UVlNULQJVGLVWULEXW|UHUD EHK|YHU DQSDVVD Q\D DYWDO WLOO GH UHYLGHUDGH RFK Q\D EHVWlPPHOVHUQD

'HW lU HPHOOHUWLG VYnUW DWW XSSVNDWWD KXU OnQJ WLG GHW WDU I|U I|UVlNULQJVGLVWULEXW|UHU DWW DQSDVVD VLQ YHUNVDPKHW WLOO GH Q\D EHVWlPPHOVHUQD

(QOLJW I|UVODJHW VND HQ I|UVlNULQJVI|UPHGODUH VRP YLG LNUDIWWUlGDQGHW DY ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ KDU WLOOVWnQG HOOHU UHJLVWUHULQJ DWW XW|YD I|UVlNULQJVI|UPHGOLQJ HQOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ VHQDVW GHQ IHEUXDUL XSSI\OOD GH Q\D NRPSHWHQVNUDYHQ L ODJHQ RFK L I|UHVNULIWHU VRP PHGGHODWV PHG VW|G DY GHQ 'HW LQQHElU DWW I|UVlNULQJVI|UPHGODUH InU HWW nU Sn VLJ IUnQ GHW DWW ODJHQ WUlGHU LNUDIW I|U DWW VlNHUVWlOOD DWW I|UPHGODUHQ KDU GHQ NRPSHWHQV VRP NUlYV HQOLJW GHQ I|UHVODJQD ODJHQ 'HW lU VYnUW DWW VNDWWD KXU VWRUD NRVWQDGHU VRP NRPSHWHQVXWYHFNOLQJHQ NRPPHU PHGI|UD PHQ GH E|U LQWH YDUD VlUVNLOW EHWXQJDQGH

$QGUD NRVWQDGHU RFK I|UlQGULQJDU WLOO I|OMG DY UHJOHULQJHQ

$QNQXWQD I|UVlNULQJVI|UPHGODUH VRP YLOO I|UPHGOD I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU RFK SHQVLRQVI|UVlNULQJDU YDUV YlUGH lU H[SRQHUDW PRW PDUNQDGVYRODWLOLWHW VND HQOLJW I|UVODJHW DQV|ND RP WLOOVWnQG DWW

opaginerad .RQVHNYHQVHU I|U SnJnHQGH DQVWlOOQLQJV HOOHU XSSGUDJVI|UKnOODQGHQ Kontrollera mot PDF

I|UPHGOD OLYI|UVlNULQJ $QV|NDQ RP WLOOVWnQG lU I|UHQDW PHG NRVWQDGHU , GDJ WDU )LQDQVLQVSHNWLRQHQ XW HQ DYJLIW DY I\VLVND SHUVRQHU VRP DQV|NHU RP WLOOVWnQG DWW XW|YD I|UVlNULQJVI|UPHGOLQJ DYVHHQGH OLYI|UVlNULQJ Sn NURQRU YLONHW NDQ JH HQ LQGLNDWLRQ RP YDG DYJLIWHQ NDQ NRPPHU DWW EOL I|U DQNQXWQD I|UPHGODUH VRP YLOO DQV|ND RP WLOOVWnQG DWW I|UPHGOD OLYI|UVlNULQJDU

)|UVlNULQJVI|UPHGODUH VRP YLOO JH LQYHVWHULQJVUnGJLYQLQJ RP IRQG DQGHODU L HQ I|UVlNULQJ VND HQOLJW I|UVODJHW DQWLQJHQ DQV|ND RP WLOOVWnQG DWW EHGULYD YlUGHSDSSHUVU|UHOVH HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ HOOHU DQV|ND RP HWW VLGRWLOOVWnQG $YJLIWHQ I|U DWW In VLQ DQV|NDQ RP WLOOVWnQG DWW GULYD YlUGHSDSSHUVU|UHOVH SU|YDG NRVWDU NURQRU 'lUWLOO WLOONRPPHU EO D NRVWQDGHU DWW XSSUlWWD HQ DQV|NDQ (QOLJW HQ JURY XSSVNDWWQLQJ JMRUG L SURS VH V NDQ DUEHWVNRVWQDGHQ I|U DWW XSSUlWWD HQ DQV|NDQ RP WLOOVWnQG HQOLJW ODJHQ RP YlUGHSDSSHUV PDUNQDGHQ XSSJn WLOO NURQRU bYHQ DQV|NDQ RP VLGRWLOOVWnQG lU I|UHQDW PHG YLVVD NRVWQDGHU )LQDQVLQVSHNWLRQHQ WDU XW HQ DYJLIW Sn NURQRU DY HQ I|UVlNULQJVI|UPHGODUH VRP lU I\VLVN HOOHU MXULGLVN SHUVRQ VRP DQV|NHU RP DWW XW|YD VnGDQ VLGRYHUNVDPKHW VRP DYVHV L NDS † I|UVWD VW\FNHW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ NDS † I|UVWD VW\FNHW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ 'HW lU WUROLJW DWW DYJLIWHQ I|U DWW DQV|ND RP GH VLGRWLOOVWnQG VRP I|UHVOnV L GHQQD SURPHPRULD NRPPHU YDUD XQJHIlU OLND K|J VRP DYJLIWHQ I|U DWW DQV|ND RP GHW VLGR WLOOVWnQG VRP JlOOHU HQOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ 'lUXW|YHU WLOONRPPHU DUEHWVNRVWQDGHQ I|U DWW XSSUlWWD DQV|NDQ YLONHW HPHOOHUWLG LQWH EHG|PV YDUD DY QnJRQ VW|UUH VWRUOHN

)LQDQVLQVSHNWLRQHQ EHVOXWDU RP DYJLIWHQ I|U WLOOVWnQGVSU|YQLQJ YLONHW LQQHElU DWW DYJLIWHQ NDQ NRPPD DWW lQGUDV |YHU WLG

.RQVHNYHQVHU I|U SnJnHQGH DQVWlOOQLQJV HOOHU XSSGUDJVI|UKnOODQGHQ

,QI|UDQGHW DY ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ LQQHElU DWW GHW VWlOOV NUDY Sn DOOD I\VLVND SHUVRQHU VRP VND EHGULYD I|UVlNULQJVGLVWULEXWLRQ HOOHU LQJn L OHGQLQJHQ I|U HQ I|UVlNULQJVI|UPHGODUH VRP lU HQ MXULGLVN SHUVRQ 2P GHQ I\VLVND SHUVRQHQ LQWH XSSI\OOHU GH NUDY VRP VWlOOV NDQ GHW In NRQVHNYHQVHU I|U GHQQHV DQVWlOOQLQJ HOOHU XSSGUDJ 1lU GHW JlOOHU DQVWlOOGD InU GHQ XSSNRPQD VLWXDWLRQHQ O|VDV PHG EHDNWDQGH DY GH ODJDU RFK DYWDO VRP JlOOHU Sn DUEHWVUlWWHQV RPUnGH 1lU GHW VHGDQ JlOOHU XSSGUDJVWDJDUH InU GHW I|UXWVlWWDV DWW IUnJDQ UHJOHUDV L DYWDO PHOODQ SDUWHUQD

, SURPHPRULDQ I|UHVOnV RFNVn DWW HQ I|UVlNULQJVGLVWULEXW|UV V\VWHP I|U DWW HUVlWWD SHUVRQDO VRP DUEHWDU PHG I|UVlNULQJVGLVWULEXWLRQ LQNOXVLYH GHP VRP GLUHNW OHGHU HOOHU DQVYDUDU I|U GHWWD DUEHWH VND YDUD XSSE\JJW Sn HWW VlWW VRP LQWH QHJDWLYW SnYHUNDU I|UVlNULQJVGLVWULEXW|UHQV I|UPnJD DWW XSSI\OOD VN\OGLJKHWHUQD RP EO D JRG I|UVlNULQJVGLVWULEXWLRQVVWDQGDUG RFK DWW KDQGOD KHGHUOLJW UlWWYLVW RFK SURIHVVLRQHOOW 'HWWD NDQ PHGI|UD DWW HUVlWWQLQJVIRUPHUQD I|U DQVWlOOGD NDQ NRPPD DWW I|UlQGUDV I|U DWW YLG EHKRY OHYD XSS WLOO GH Q\D NUDYHQ

opaginerad 3nYHUNDQ Sn NRQNXUUHQVI|UKnOODQGHQ Kontrollera mot PDF

3nYHUNDQ Sn NRQNXUUHQVI|UKnOODQGHQ

)|UVODJHQ EHG|PV OHGD WLOO HQ |NDG NRQNXUUHQVQHXWUDOLWHW PHOODQ ROLND

I|UVlNULQJVGLVWULEXW|UHUHU 'lUWLOO EHG|PV I|UVODJHQ OHGD WLOO HQ |NDG

NRQNXUUHQVQHXWUDOLWHW Sn PDUNQDGHQ I|U ILQDQVLHOO UnGJLYQLQJ RP

I|UVlNULQJ RFK ILQDQVLHOOD LQVWUXPHQW *HQRP P|MOLJKHW DWW W H[ DJHUD Sn

DQQDQV DQVYDU VRP DQNQXWHQ I|UPHGODUH RFK JHQRP IRUWVDWW P|MOLJKHW DWW

DQV|ND RP VLGRWLOOVWnQG I|U DWW XWI|UD YLVVD LQYHVWHULQJVWMlQVWHU J|UV YLVV

DQSDVVQLQJ DY NUDYHQ WLOO GHQ VYHQVND PDUNQDGHQ I|U I|UVlNULQJV

GLVWULEXWLRQ )|UVODJHQ LQQHElU DWW PDUNQDGHQ LQWH InU KHOW NRQNXUUHQV

QHXWUDO UHJOHULQJ PHQ DYYLNHOVHUQD EHG|PV HQOLJW SURPHPRULDQ YDUD

EHIRJDGH I|U DWW XSSQn SURSRUWLRQHUOLJD NUDY XWLIUnQ GHQ VYHQVND

PDUNQDGHQV NDUDNWlU

6lUVNLOGD KlQV\Q WLOO VPn I|UHWDJ

, GLUHNWLYHW DQJHV LQJD XQGDQWDJ IUnQ GLUHNWLYHWV EHVWlPPHOVHU PHG

EHDNWDQGH DY VWRUOHNHQ Sn I|UHWDJHW 'lUHPRW ILQQV YLVVD XQGDQWDJVUHJOHU

VRP LQQHElU DWW IUDPI|U DOOW I\VLVND RFK MXULGLVND SHUVRQHU VRP LQWH KDU

I|UVlNULQJVI|UPHGOLQJ VRP KXYXGVDNOLJ YHUNVDPKHW RPIDWWDV DY

XQGDQWDJVEHVWlPPHOVHU HOOHU PLQGUH RPIDWWDQGH NUDY lQ |YULJD

I|UVlNULQJVGLVWULEXW|UHU

'lUWLOO LQQHKnOOHU I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW WLOOVNLOOQDG IUnQ

I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW HWW XWWU\FNOLJW XQGDQWDJ I|U YHUNVDPKHW

VRP EHVWnU L DWW W H[ HQGDVW KlQYLVD HQ SRWHQWLHOO I|UVlNULQJVWDJDUH WLOO HQ

I|UVlNULQJVJLYDUH HOOHU WLSVD QnJRQ RP DWW GHW ILQQV I|UVlNULQJV

I|UPHGODUH VRP NDQ YDUD EHKMlOSOLJD YLG HQ XSSKDQGOLQJ DY

I|UVlNULQJVDYWDO cWJlUGHU VRP LQVNUlQNHU VLJ WLOO DWW VNDSD NRQWDNW

PHOODQ HQ NXQG RFK HWW I|UVlNULQJVI|UHWDJ HOOHU HQ I|UVlNULQJVI|UPHGODUH

VND VnOHGHV HQOLJW GLUHNWLYHW LQWH DQVHV XWJ|UD I|UVlNULQJVGLVWULEXWLRQ

8QGDQWDJVEHVWlPPHOVHU lU VnOHGHV LQWH ULNWDGH PRW VPn RFK

PHGHOVWRUD I|UHWDJ YDUI|U GH NRPPHU DWW GUDEEDV DY VDPPD W\S DY

NRVWQDGHU VRP GH VW|UUH I|UHWDJHQ

6YHULJHV PHGOHPVNDS L (XURSHLVND XQLRQHQ

6YHULJHV PHGOHPVNDS L (XURSHLVND XQLRQHQ PHGI|U DWW 6YHULJH KDU HQ

VN\OGLJKHW DWW JHQRPI|UD GH EHVWlPPHOVHU VRP DQJHV L I|UVlNULQJV

GLVWULEXWLRQVGLUHNWLYHW L VYHQVN ODJVWLIWQLQJ RFK DWW GHVVD EHVWlPPHOVHU

VND WUlGD LNUDIW L HQOLJKHW PHG DQJLYHOVHU L GLUHNWLYHW

.RQVHNYHQVHU DY I|UVODJHQ L DYVQLWW

, ODJUnGVUHPLVVHQ 1\D UHJOHU RP PDUNQDGHU I|U ILQDQVLHOOD LQVWUXPHQW 0L),' ,, RFK 0L),5 I|UHVOnV DWW IRQGERODJ RFK $,) I|UYDOWDUH L VWlOOHW I|U DWW WLOOlPSD UnGJLYQLQJVODJHQ VND WLOOlPSD EHVWlPPHOVHU L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ QlU GH XWI|U UnGJLYQLQJ LQRP IRQGYHUNVDPKHWHQ WLOO LFNH SURIHVVLRQHOOD NXQGHU , GHQQD SURPHPRULD I|UHVOnV DWW GHVVD

NUDY VND JlOOD L I|UKnOODQGH WLOO DOOD NXQGHU RFK LQWH HQGDVW YLG UnGJLYQLQJ

opaginerad )|UVODJHQ L GHWWD DYVQLWW EHG|PV LQWH PHGI|UD QnJRW EHKRY DY QnJUD VlUVNLOGD LQIRUPDWLRQVLQVDWVHU IUnQ VDPKlOOHWV VLGD Kontrollera mot PDF

WLOO LFNH SURIHVVLRQHOOD NXQGHU 'HVVXWRP I|UHVOnV HWW EHP\QGLJDQGH I|U UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU DWW PHGGHOD I|UHVNULIWHU RP DWW UHJOHUQD L GHW GHOHJHUDGH GLUHNWLYHW WLOO 0L),' ,, RFK GHQ GHOHJHUDGH I|URUGQLQJHQ WLOO 0L),' ,, VND WLOOlPSDV QlU IRQGERODJ RFK $,) I|UYDOWDUH WLOOKDQGDKnOOHU UnGJLYQLQJ RP DQGHODU L IRQGHU LQRP UDPHQ I|U VLQ IRQGYHUNVDPKHW

, IHEUXDUL ILQQV GHW HQOLJW )LQDQVLQVSHNWLRQHQV I|UHWDJVUHJLVWHU IRQGERODJ RFK VYHQVND $,) I|UYDOWDUH VRP KDU WLOOVWnQG DY )LQDQV LQVSHNWLRQHQ 'HVVD IRQGERODJ RFK $,) I|UYDOWDUH InU UHGDQ L GDJ JH UnG RP DQGHODU L IRQGHU LQRP VLQ IRQGYHUNVDPKHW RFK I|U GHQQD W\S DY UnGJLYQLQJ NUlYV GHW LQWH QnJRW VlUVNLOW WLOOVWnQG IUnQ )LQDQVLQVSHNWLRQHQ 'HW lU GlUI|U VYnUW DWW YHWD KXU PnQJD DY GHVVD I|UHWDJ VRP WLOOKDQGD KnOOHU UnGJLYQLQJ LQRP IRQGYHUNVDPKHWHQ )|U DWW In HQ XSSIDWWQLQJ RP KXU XWEUHGG GHQQD W\S DY YHUNVDPKHW lU KDU NRQWDNW WDJLWV PHG )RQG ERODJHQV I|UHQLQJ )|UHQLQJHQ KDU |YHU ERODJ VRP PHGOHPPDU VRP WLOOVDPPDQV I|UYDOWDU PHUSDUWHQ DY IRQGVSDUDQGHW L 6YHULJH 0HGOHP PDUQD XWJ|UV DY IRQGERODJ DY YDULHUDQGH VWRUOHN )|UHQLQJHQV EHG|P QLQJ lU DWW IRQGERODJHQV SnJnHQGH YHUNVDPKHW LQWH NRPPHU DWW SnYHUNDV L QnJRQ VW|UUH XWVWUlFNQLQJ DY GH Q\D UHJOHU VRP I|UHVOnV L GHQQD SUR PHPRULD HIWHUVRP GHW lU In IRQGERODJ VRP DQWDV JH UnG RP IRQGDQGHODU LQRP IRQGYHUNVDPKHWHQ $,) I|UYDOWDUH lU HQ PLQGUH KRPRJHQ JUXSS YDUI|U NRQVHNYHQVHUQD I|U GHP PHG DQOHGQLQJ DY I|UVODJHQ L GHQQD SURPHPRULD lU lQQX VYnUDUH DWW EHG|PD .RVWQDGHUQD VRP I|UVODJHQ LQQHElU I|U GHVVD DNW|UHU lU GlUPHG VYnUD DWW XSSVNDWWD Sn I|UKDQG

(IWHUVRP V\IWHW PHG I|UVODJHQ lU DWW UHJOHUQD VND YDUD OLNDUWDGH I|U DOOD DNW|UHU VRP WLOOKDQGDKnOOHU UnGJLYQLQJ Sn ILQDQVPDUNQDGVRPUnGHW LQQHElU GH DWW GHW LQWH ILQQV QnJRW XWU\PPH I|U PLOGDUH NUDY RFK GlUPHG VlUVNLOG KlQV\Q WLOO VPn IRQGERODJ HOOHU $,) I|UYDOWDUH /LNDUWDGH UHJOHU VNDSDU GHVVXWRP OLND YLOONRU I|U DOOD DNW|UHU RFK I|UVODJHQ I|UYlQWDV GlUPHG LQWH SnYHUND DNW|UHUQDV NRQNXUUHQVI|UPnJD

)|UVODJHQ LQQHElU DWW )LQDQVLQVSHNWLRQHQ NRPPHU DWW EHK|YD XWIlUGD I|UHVNULIWHU 'HWWD DUEHWH I|UYlQWDV LQWH SnYHUND )LQDQVLQVSHNWLRQHQV YHUNVDPKHW L QnJRQ VW|UUH XWVWUlFNQLQJ (YHQWXHOOD |NDGH NRVWQDGHU VND KDQWHUDV LQRP P\QGLJKHWHQV EHILQWOLJD UDPDU

)|UVODJHQ L GHWWD DYVQLWW EHG|PV LQWH PHGI|UD QnJRW EHKRY DY QnJUD VlUVNLOGD LQIRUPDWLRQVLQVDWVHU IUnQ VDPKlOOHWV VLGD

.RQVHNYHQVHU DY I|UVODJHQ L DYVQLWW

.RVWQDGHQ I|U O|SDQGH UDSSRUWHULQJ

'HQ W\S DY O|SDQGH UDSSRUWHULQJ IUnQ YlUGHSDSSHUVLQVWLWXW RP NODJRPnO

IUnQ NXQGHU RFK KDQWHULQJ DY NODJRPnO VRP DYVHV L GHQ GHOHJHUDGH

I|URUGQLQJHQ WLOO 0L),' ,, DUWLNHO NRPPHU DWW LQQHElUD NRVWQDGHU

I|U GH EHU|UGD I|UHWDJHQ RFK I|U )LQDQVLQVSHNWLRQHQ )|U YlUGHSDSSHUV

LQVWLWXWHQ EOLU GHW Q|GYlQGLJW DWW LQUlWWD V\VWHP I|U UHJLVWUHULQJ RFK

YLGDUHUDSSRUWHULQJ DY LQNRPQD NODJRPnO RFK KDQWHULQJHQ DY GHVVD

'HVVXWRP NRPPHU GHW DWW LQQHElUD EHKRY DY LQIRUPDWLRQVVSULGQLQJ LQRP

LQVWLWXWHQ RFK L I|UKnOODQGH WLOO GHUDV NXQGHU VDPW XWELOGQLQJ DY SHUVRQDO

)LQDQVLQVSHNWLRQHQ NRPPHU DWW EHK|YD WD IUDP I|UHVNULIWHU I|U DWW HQ

opaginerad .RQVHNYHQVHU I|U I|UHWDJHQ Kontrollera mot PDF

VnGDQ UDSSRUWHULQJ VND NXQQD VNH Sn HWW VlWW VRP Vn OnQJW VRP P|MOLJW

XQGHUOlWWDU I|U YlUGHSDSSHUVLQVWLWXWHQ DWW XSSI\OOD GHVVD NUDY 'HWWD

I|UXWVlWWHU HQ GLDORJ PHG EHU|UGD I|UHWDJ RP KXU HQ VnGDQ VN\OGLJKHW

OlPSOLJDVW E|U XWIRUPDV W H[ Sn YLONHW VlWW LQIRUPDWLRQHQ VND OlPQDV RFK

KXU RIWD GHW VND VNH

.RQVHNYHQVHU I|U I|UHWDJHQ

'H I|UHWDJ VRP EHU|UV DY I|UVODJHQ XWJ|UV L GDJ DY YlUGHSDSSHUV ERODJ RFK DY NUHGLWLQVWLWXW VRP KDU WLOOVWnQG DWW GULYD YlUGHSDSSHUV U|UHOVH L 6YHULJH 9LGDUH ILQQV XWOlQGVND YlUGHSDSSHUVI|UHWDJ IUnQ DQGUD OlQGHU LQRP ((6 PHG ILOLDO L 6YHULJH 6WRUOHNHQ Sn YlUGHSDS SHUVERODJHQ NDQ YDULHUD IUnQ VPn ERODJ PHG HWW InWDO DQVWlOOGD RFK HQ UHODWLYW RNRPSOLFHUDG YHUNVDPKHW WLOO VW|UUH LQWHUQDWLRQHOOW YHUNVDPPD ERODJ PHG HQ RPIDWWDQGH YHUNVDPKHW .UHGLWLQVWLWXWHQ EHVWnU EO D DY EDQNDNWLHERODJ VSDUEDQNHU RFK NUHGLWPDUNQDGVERODJ bYHQ NUHGLW LQVWLWXWHQV YHUNVDPKHW RFK DQWDO DQVWlOOGD YDULHUDU NUDIWLJW 'H IOHVWD DY GHVVD I|UHWDJ KDU VDQQROLNW UHGDQ L GDJ QnJRQ IRUP DY UHJLVWUHULQJ DY NODJRPnO RFK UXWLQ I|U NODJRPnOVKDQWHULQJ LQRP UDPHQ I|U VLQ UHJHOHIWHUOHYQDG 'HW I|OMHU DY )LQDQVLQVSHNWLRQHQV DOOPlQQD UnG )))6 RP NODJRPnOVKDQWHULQJ DYVHHQGH ILQDQVLHOOD WMlQVWHU WLOO NRQVXPHQWHU VRP lU WLOOlPSOLJD Sn DOOD LQVWLWXW VRP VWnU XQGHU )LQDQVLQVSHNWLRQHQV WLOOV\Q (QOLJW GH DOOPlQQD UnGHQ E|U LQVWLWXWHQ KD HQ LQWHUQ SROLF\ RFK LQVWUXNWLRQ I|U NODJRPnOVKDQWHULQJ VDPW Sn HWW OlPSOLJW VlWW UHJLVWUHUD LQNRPQD NODJRPnO 'HWWD E|U XQGHUOlWWD I|U GHP QlU GH VND DQSDVVD VLQ YHUNVDPKHW Vn DWW GHQ XSSI\OOHU NUDYHQ L GHQ GHOHJHUDGH I|URUGQLQJHQ WLOO 0L),' ,,

'HW JnU LQWH DWW GUD QnJUD VlNUD VOXWVDWVHU RP KXU P\FNHW NRVWQDGHUQD NRPPHU DWW XSSJn WLOO I|U DWW XSSI\OOD GH QX DNWXHOOD NUDYHQ L GHQ GHOHJHUDGH I|URUGQLQJHQ WLOO 0L),' ,, 'HQ VW|UVWD NRVWQDGHQ NRPPHU DWW DYVH GHQ LQLWLDOD LW NRVWQDGHQ I|U DWW In UDSSRUWHULQJVV\VWHPHW Sn SODWV )|U PLQGUH YlUGHSDSSHUVERODJ NRPPHU LW NRVWQDGHQ VDQQROLNW DWW LQQH ElUD HQ SURSRUWLRQHUOLJW VHWW VW|UUH NRVWQDG MlPI|UW PHG GH VW|UUH ERODJHQ Gn NRVWQDGHUQD I|U LW DQSDVVQLQJ I|UYlQWDV YDUD XQJHIlU GHVDPPD 7LGHQ I|U HQ VnGDQ DQSDVVQLQJ XSSVNDWWDV DY 6YHQVND %DQNI|UHQLQJHQ XSSJn WLOO PHOODQ RFK WLPPDU PHG HQ EHUlNQDG NRVWQDG Sn NURQRU SHU WLPPH 'lUWLOO NRPPHU NRVWQDGHU L IRUP DY XWELOGQLQJ DY SHUVRQDO LQI|UDQGH DY UDSSRUWHULQJVUXWLQHU VDPW PRWWDJDQGH RFK YLGDUHEHIRUGUDQ DY NODJRPnO )|UHWDJHQV LW V\VWHP I|U NODJRPnOVUDSSRUWHULQJ NRPPHU DWW EHK|YD MXVWHUDV XWLIUnQ GH PDOODU VRP )LQDQVLQVSHNWLRQHQ WDU IUDP I|U LQUDSSRUWHULQJHQ /LNQDQGH PDOODU ILQQV L GDJ I|U I|UVlNULQJVEUDQVFKHQ

'HW QX DNWXHOOD UDSSRUWHULQJVNUDYHW ILQQV L HQ (8 I|URUGQLQJ RFK GHW EOLU GlUPHG GLUHNW WLOOlPSOLJW RFK ELQGDQGH L DOOD PHGOHPVVWDWHU .UDYHW RPIDWWDU DOOD YlUGHSDSSHUVLQVWLWXW RDYVHWW GHUDV VWRUOHN 3n JUXQG DY NUDYHW JlOOHU HQOLJW HQ (8 I|URUGQLQJ ILQQV GHW LQWH QnJRQ P|MOLJKHW DWW J|UD QDWLRQHOOD DYYLNHOVHU HOOHU QnJRW XWU\PPH I|U DOWHUQDWLYD WLOOYlJDJnQJVVlWW 6lUVNLOGD KlQV\Q EHK|YHU HPHOOHUWLG VRP DQJHV RYDQ WDV WLOO VPn I|UHWDJ QlU )LQDQVLQVSHNWLRQHQV XWIRUPDU VLQD I|UHVNULIWHU

IUDPI|U DOOW PHG DQOHGQLQJ DY GHQ LQLWLDOD LW NRVWQDGHQ (IWHUVRP GHQ

opaginerad .RQVHNYHQVHU I|U )LQDQVLQVSHNWLRQHQ Kontrollera mot PDF

DNWXHOOD UHJOHULQJHQ WUlIIDU EHU|UGD I|UHWDJ LQRP XQLRQHQ I|UYlQWDV GHQ LQWH KD QnJUD PlUNEDUD HIIHNWHU Sn GHUDV NRQNXUUHQVI|UPnJD PHG XQGDQWDJ I|U GHQ LQLWLDOD NRVWQDGHQ I|U LQUlWWDQGH DY UDSSRUWHULQJVV\VWHP VRP YlQWDV EHU|UD PLQGUH I|UHWDJ L VW|UUH XWVWUlFNQLQJ

.RQVHNYHQVHU I|U )LQDQVLQVSHNWLRQHQ

)|U )LQDQVLQVSHNWLRQHQV GHO LQQHElU NUDYHW L GHQ GHOHJHUDGH I|URUG QLQJHQ WLOO 0L),' ,, DWW YlUGHSDSSHUVLQVWLWXW O|SDQGH VND UDSSRUWHUD RP NODJRPnO IUnQ NXQGHU RFK KDQWHULQJ DY NODJRPnO GHOV DWW Q\D I|UHVNULIWHU RFK UDSSRUWPDOODU PnVWH WDV IUDP GHOV DWW GHQ LQIRUPDWLRQ VRP LQVWLWXWHQ OlPQDU VND EHDUEHWDV RFK KDQWHUDV YLONHW NDQ I|UDQOHGD LQVSHNWLRQHQ DWW YLGWD WLOOV\QV HOOHU DQGUD nWJlUGHU )LQDQVLQVSHNWLRQHQ NRPPHU lYHQ L HJHQVNDS DY EHK|ULJ P\QGLJKHW DWW EHK|YD XWE\WD LQIRUPDWLRQ PHG (8 V WLOOV\QVP\QGLJKHWHU PHG DQOHGQLQJ DY UDSSRUWHULQJVVN\OGLJKHWHQ 5DSSRUWHULQJVVN\OGLJKHWHQ PHGI|U lYHQ DWW )LQDQVLQVSHNWLRQHQ PnVWH WD IUDP RFK I|UPHGOD LQIRUPDWLRQ WLOO YlUGHSDSSHUVLQVWLWXWHQ RP KXU GH VND IXOOJ|UD VN\OGLJKHWHQ (YHQWXHOOD |NDGH NRVWQDGHU VND KDQWHUDV LQRP P\QGLJKHWHQV EHILQWOLJD UDPDU

opaginerad )|UIDWWQLQJVNRPPHQWDU Kontrollera mot PDF

)|UIDWWQLQJVNRPPHQWDU

)|UVODJHW WLOO ODJ RP

I|UVlNULQJVGLVWULEXWLRQ

NDS 7LOOlPSQLQJVRPUnGH RFK GHILQLWLRQHU /DJHQV WLOOlPSQLQJVRPUnGH

†

3DUDJUDIHQ JHQRPI|U L KXYXGVDN DUWLNHO L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW

3DUDJUDIHQ DQJHU ODJHQV WLOOlPSQLQJVRPUnGH RFK YDG VRP DYVHV PHG I|UVlNULQJVGLVWULEXWLRQ 'HQ PRWVYDUDU L KXYXGVDN NDS † I|UVlNULQJV I|UPHGOLQJVODJHQ

7LOOlPSQLQJVRPUnGHW I|U ODJHQ SUHFLVHUDV L † 'lU DQJHV YLVV YHUN VDPKHW VRP LQWH DQVHV VRP I|UVlNULQJVGLVWULEXWLRQ , † ILQQV lYHQ XQGDQWDJ IUnQ WLOOlPSQLQJVRPUnGHW I|U YLVVD I|UVlNULQJDU VRP

VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH GLVWULEXHUDU

, andra stycket VRP lU Q\WW ILQQV HQ XSSO\VQLQJ RP DWW ODJHQ lYHQ LQQHKnOOHU EHVWlPPHOVHU I|U YLVV YHUNVDPKHW VRP LQWH lU I|UVlNULQJV GLVWULEXWLRQ QlPOLJHQ I|UVlNULQJVI|UPHGODUHV LQYHVWHULQJVUnGJLYQLQJ HQOLJW WLOOVWnQG I|U VLGRYHUNVDPKHW VDPW I|UVlNULQJVI|UHWDJV WLOOKDQGDKnOODQGH DY LQYHVWHULQJVUnGJLYQLQJ RFK SRUWI|OMI|UYDOWQLQJ † DQGUD RFK WUHGMH VW\FNHW † RFK NDS †

, SDUDJUDIHQ ILQQV GHW WLOO VNLOOQDG IUnQ L I|UVlNULQJVI|UPHGOLQJVODJHQ LQWH QnJRW NUDY Sn DWW YHUNVDPKHWHQ VND YDUD \UNHVPlVVLJ 'HW LQQHElU DWW GHW E|U YDUD WLOOUlFNOLJW DWW I|UVlNULQJVGLVWULEXWLRQHQ VNHU PRW HUVlWWQLQJ I|U DWW GHQ VND RPIDWWDV DY ODJHQ 9HUNVDPKHW VRP XSSI\OOHU |YULJD NULWHULHU PHQ VRP LQWH XWI|UV PRW QnJRQ HUVlWWQLQJ RPIDWWDV GlUHPRW LQWH DY ODJHQ 'HW LQQHElU DWW EO D DWW JUXSSI|UHWUlGDUH VRP ELWUlGHU JUXSSPHGOHPPDU HOOHU I|UVlNULQJVI|UHWDJ LQRP UDPHQ I|U HQ JUXSSI|UVlNULQJVO|VQLQJ RIWD LQWH DQVHV XWI|UD I|UVlNULQJVGLVWULEXWLRQ

/DJHQ RPIDWWDU WLOO VNLOOQDG IUnQ I|UVlNULQJVI|UPHGOLQJVODJHQ lYHQ YHUNVDPKHW VRP EHGULYV DY HWW I|UVlNULQJVI|UHWDJ , ODJHQ UHJOHUDV HPHOOHUWLG LQWH VN\OGLJKHWHU I|U I\VLVND SHUVRQHU VRP HQGDVW lU DQVWlOOGD KRV HWW I|UVlNULQJVI|UHWDJ HOOHU HQ I|UVlNULQJVI|UPHGODUH MIU NDS † I|UVlNULQJVI|UPHGOLQJVODJHQ RFK DUWLNHO DQGUD PHQLQJHQ L I|UVlN ULQJVI|UPHGOLQJVGLUHNWLYHW )|UVlNULQJVI|UPHGODUH RFK I|UVlNULQJV I|UHWDJ lU HPHOOHUWLG VN\OGLJD DWW WLOOVH DWW VnGDQD SHUVRQHU KDU EO D HUIRUGHUOLJ NXQVNDS RFK NRPSHWHQV VH NDS † 9LGDUH NDQ EO D I\VLVND SHUVRQHU VRP LQJnU L OHGQLQJHQ I|U HWW I|UVlNULQJVI|U PHGOLQJVI|UHWDJ HOOHU HWW I|UVlNULQJVI|UHWDJ SnI|UDV VDQNWLRQHU RP I|UHWDJHW KDU JMRUW VLJ VN\OGLJ WLOO HQ |YHUWUlGHOVH DY ODJHQ VH NDS

RFK ††

, punkt 1 DQJHV ´JH UnG RP´ I|UVlNULQJVDYWDO GlU GHW L NDS † DQGUD VW\FNHW I|UVlNULQJVI|UPHGOLQJVODJHQ DQJHV ´OlJJD IUDP´ 'HW LQQHElU LQWH QnJRQ lQGULQJ L VDN bYHQ HQOLJW I|UHYDUDQGH ODJ RPIDWWDV VnOHGHV DWW OlJJD IUDP I|UVlNULQJVDYWDO

'HW VRP DQJHV RP I|UVlNULQJVGLVWULEXWLRQ JlOOHU lYHQ WLOOKDQGDKnOODQGH DY LQIRUPDWLRQ RP HWW HOOHU IOHUD I|UVlNULQJVDYWDO L HQOLJKHW PHG NULWHULHU

opaginerad gYHUYlJDQGHQD ILQQV L DYVQLWW Kontrollera mot PDF

VRP NXQGHU YlOMHU YLD HQ ZHEESODWV HOOHU DQGUD PHGLHU 'HWWD DYVHU lYHQ VDPPDQVWlOODQGH DY HQ UDQJRUGQLQJVOLVWD PHG I|UVlNULQJVSURGXNWHU LQNOXVLYH SULV RFK SURGXNWMlPI|UHOVHU HOOHU UDEDWWHU Sn I|UVlNULQJV SUHPLHU QlU NXQGHQ GLUHNW HOOHU LQGLUHNW NDQ LQJn HWW I|UVlNULQJVDYWDO PHG KMlOS DY QlPQGD PHGLHU MIU GHILQLWLRQHQ DY I|UVlNULQJVGLVWULEXWLRQ L DUWLNHO L GLUHNWLYHW

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 3DUDJUDIHQ LQQHElU DWW YLVV YHUNVDPKHW LQWH VND DQVHV XWJ|UD I|UVlN

ULQJVGLVWULEXWLRQ

Första stycket PRWVYDUDU L KXYXGVDN NDS † I|UVlNULQJVI|UPHGOLQJV

ODJHQ

$Y punkt 1 I|OMHU DWW nWJlUGHU VRP LQVNUlQNHU VLJ WLOO DWW HQGDVW VNDSD NRQWDNW PHOODQ HQ NXQG RFK HWW I|UVlNULQJVI|UHWDJ HOOHU HQ I|UVlNULQJVI|U PHGODUH LQWH lU I|UVlNULQJVGLVWULEXWLRQ 'HWWD JlOOHU VnYlO LQIRUPDWLRQ WLOO NXQGHU RP I|UVlNULQJVI|UPHGODUH RFK I|UVlNULQJVWDJ VRP LQIRUPDWLRQ WLOO I|UVlNULQJVI|UPHGODUH RFK I|UVlNULQJVI|UHWDJ RP SRWHQWLHOOD NXQGHU

DUWLNHO F RFK G L GLUHNWLYHW

8QGDQWDJHW L punkt 2 I|U GHQ VRP EDUD OlPQDU DOOPlQ LQIRUPDWLRQ RP I|UVlNULQJ V\IWDU WLOO DWW W\GOLJJ|UD DYJUlQVQLQJHQ DY I|UVlNULQJVGLVWUL EXWLRQ MIU DUWLNHO G L RFK VNlO WLOO GLUHNWLYHW 0HG DOOPlQ LQIRUPDWLRQ DYVHV EO D LQIRUPDWLRQ RP ROLND W\SHU DY I|UVlNULQJDU RFK

I|UVlNULQJVGLVWULEXW|UHU

Punkt 3 WDU VLNWH Sn DQQDW lQ VnGDQ DOOPlQ LQIRUPDWLRQ VRP DYVHV L SXQNW RFK VRP NDQ OlPQDV DY W H[ VNDWWHH[SHUWHU RFK UHYLVRUHU YLOND HQGDVW LEODQG JHU UnG RP I|UVlNULQJVVN\GG LQRP UDPHQ I|U VLQ KXYXG

VDNOLJD YHUNVDPKHW DUWLNHO D RFK VNlO WLOO GLUHNWLYHW

$Y punkt 4 I|OMHU DWW \UNHVJUXSSHQ VNDGHUHJOHUDUH LQWH NDQ DQVHV lJQD VLJ nW I|UVlNULQJVGLVWULEXWLRQ 8QGDQWDJHW PRWVYDUDU L VDN DUWLNHO E L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW VH RFNVn VNlO WLOO GLUHNWLYHW

2P GHQ YHUNVDPKHW VRP EHVNULYV L QnJRQ DY SXQNWHU NRPELQHUDV PHG GLUHNW UnGJLYQLQJ NULQJ YDO DY OlPSOLJW I|UVlNULQJVDYWDO HOOHU PHG DQQDW DNWLYW ELWUlGH HOOHU GHOWDJDQGH L XWIRUPQLQJHQ DY HWW I|UVlNULQJVDYWDO E|U

GHW YDUD IUnJD RP I|UVlNULQJVGLVWULEXWLRQ VRP RPIDWWDV DY ODJHQ , andra stycket VRP LQWH KDU QnJRQ PRWVYDULJKHW L I|UVlNULQJVI|UPHG

OLQJVODJHQ DQJHV DWW GHW PHG I|UVlNULQJVGLVWULEXWLRQ LQWH KHOOHU DQVHV YHUNVDPKHW VRP DYVHV L NDS † ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ VRP JlOOHU I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU HOOHU SHQVLRQV I|UVlNULQJDU VRP lU H[SRQHUDGH PRW PDUNQDGVYRODWLOLWHW VH NDS † 'HQ YHUNVDPKHW VRP DYVHV lU YlUGHSDSSHUVU|UHOVH ± YHUNVDPKHW VRP EHVWnU L DWW \UNHVPlVVLJW WLOOKDQGDKnOOD LQYHVWHULQJVWMlQVWHU HOOHU XWI|UD LQYHVWHULQJVYHUNVDPKHW VH GHILQLWLRQHQ L NDS E † ODJHQ RP YlUGH SDSSHUVPDUNQDGHQ L O\GHOVH HQOLJW SURS %HVWlPPHOVHQ LQQHElU HQ DYJUlQVQLQJ DY I|UVlNULQJVGLVWULEXWLRQ L I|UKnOODQGH WLOO LQYHVWHULQJVWMlQVWHU HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ 'HQ LQQH ElU DWW HQ I|UVlNULQJVI|UPHGODUH YLG VLGDQ DY HWW HYHQWXHOOW WLOOVWnQG WLOO VLGRYHUNVDPKHW HQOLJW NDS † I|UVWD VW\FNHW LQWH InU ELVWn HQ NXQG

PHG W H[ UHNRPPHQGDWLRQHU VRP DYVHU ILQDQVLHOOD LQVWUXPHQW RP I|U

opaginerad gYHUYlJDQGHQD ILQQV L DYVQLWW Kontrollera mot PDF

PHGODUHQ LQWH KDU WLOOVWnQG I|U YlUGHSDSSHUVU|UHOVH VRP RPIDWWDU LQYHVWH ULQJVUnGJLYQLQJ NDS † ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ ,QYHVWHULQJVWMlQVWHU VRP HQGDVW WLOOIlOOLJW WLOOKDQGDKnOOV DY I|UVlNULQJV I|UPHGODUH L VDPEDQG PHG I|UVlNULQJVGLVWULEXWLRQ HOOHU RP LQJHQ HUVlWWQLQJ OlPQDV I|U UnGJLYQLQJHQ NUlYHU GRFN LQWH VnGDQW WLOOVWnQG VH NDS † I|UVWD VW\FNHW RFK ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ 6RP HQ \WWHUOLJDUH NRQVHNYHQV LQQHElU GHW DWW LQYHVWHULQJVWMlQVWHU VRP YlUGHSDSSHUVLQVWLWXW WLOOKDQGDKnOOHU LQWH RPIDWWDV DY I|UHYDUDQGH ODJ lYHQ QlU WMlQVWHUQD OlPQDV L VDPEDQG PHG DWW NXQGHQ KDU HOOHU DYVHU DWW WHFNQD HQ OLYI|UVlNULQJ VRP lU H[SRQHUDG PRW GH ILQDQVLHOOD LQVWUXPHQWHQV YlUGHXWYHFNOLQJ 'HWWD LQQHElU GRFN LQWH DWW HWW YlUGH SDSSHUVLQVWLWXW InU XWI|UD VnGDQ YHUNVDPKHW VRP XWJ|U I|UVlNULQJV GLVWULEXWLRQ W H[ UHNRPPHQGHUD DWW NXQGHQ LQJnU HWW YLVVW OLYI|UVlNULQJV

DYWDO XWDQ HUIRUGHUOLJW WLOOVWnQG HQOLJW GHQ Q\D ODJHQ

, tredje stycket VRP LQWH KDU QnJRQ PRWVYDULJKHW L I|UVlNULQJVI|UPHG OLQJVODJHQ DQJHV DWW I|UVlNULQJVI|UHWDJ VND I|OMD YLVVD FHQWUDOD NXQGVN\GGVEHVWlPPHOVHU L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ QlU GH XWI|U LQYHVWHULQJVWMlQVWHUQD LQYHVWHULQJVUnGJLYQLQJ HOOHU SRUWI|OM I|UYDOWQLQJ VRP JlOOHU I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU HOOHU SHQVLRQVI|UVlNULQJDU VRP lU H[SRQHUDGH PRW PDUNQDGVYRODWLOLWHW 6nGDQD WMlQVWHU XWJ|U LQWH I|UVlNULQJVGLVWULEXWLRQ )|UVlNULQJVI|UHWDJ lU HPHOOHUWLG XQGDQWDJQD IUnQ NUDYHW Sn WLOOVWnQG I|U YlUGHSDSSHUVU|UHOVH HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ VH NDS † I|UVWD VW\FNHW 1lU I|UVlNULQJVI|UHWDJ XWI|U VnGDQD WMlQVWHU VND GH HQOLJW EHVWlPPHOVHQ L GHQ Q\D ODJHQ J|UD GHW L HQOLJKHW PHG DQJLYQD EHVWlPPHOVHU L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ (QOLJW † InU UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU PHGGHOD I|UHVNULIWHU RP YLOND nWJlUGHU VRP HWW I|UVlNULQJVI|UHWDJ VND YLGWD QlU GH XWI|U VnGDQD WMlQVWHU I|U DWW XSSI\OOD GH NUDY VRP I|OMHU DY GH EHVWlPPHOVHUQD

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U GHOYLV DUWLNHO L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW

3DUDJUDIHQ PRWVYDUDU L KXYXGVDN NDS † I|UVlNULQJVI|UPHGOLQJV ODJHQ

$Y SDUDJUDIHQ I|OMHU DWW GH EHVWlPPHOVHU RP I|UVlNULQJVI|UHWDJ RFK I|UVlNULQJVI|UPHGODUH L ODJHQ lYHQ JlOOHU nWHUI|UVlNULQJVI|UHWDJ RFK nWHUI|UVlNULQJVI|UPHGODUH RP LQWH DQQDW DQJHV

%HVWlPPHOVHUQD RP LQIRUPDWLRQVVN\OGLJKHW lU LQWH WLOOlPSOLJD YLG GLVWULEXWLRQ DY nWHUI|UVlNULQJ VH NDS † MIU DUWLNODUQD ± L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW %HVWlPPHOVHUQD RP VN\OGLJKHW DWW LDNWWD JRG I|UVlNULQJVGLVWULEXWLRQVVWDQGDUG P P RFK RP VNDGHVWnQGV VN\OGLJKHW lU GLVSRVLWLYD YLG GLVWULEXWLRQ DY nWHUI|UVlNULQJ VH I|UIDWW QLQJVNRPPHQWDUHUQD WLOO †

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ PRWVYDUDU GHOYLV NDS † I|UVlNULQJVI|UPHGOLQJVODJHQ

opaginerad , SDUDJUDIHQ DQJHV GHW WLOO VNLOOQDG IUnQ L I|UVlNULQJVI|UPHGOLQJVODJHQ Kontrollera mot PDF

, SDUDJUDIHQ DQJHV GHW WLOO VNLOOQDG IUnQ L I|UVlNULQJVI|UPHGOLQJVODJHQ

DWW ODJHQ lYHQ JlOOHU VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH 'HILQLWLRQHU DY I|UVlNULQJVI|UPHGODUH DQNQXWHQ I|UVlNULQJVI|UPHGODUH

RFK VLGRYHUNVDP I|UVlNULQJVI|UPHGODUH ILQQV L † VH I|UIDWWQLQJV NRPPHQWDUHQ WLOO GHQ SDUDJUDIHQ , ODJHQ ILQQV YLVVD EHVWlPPHOVHU VRP EDUD JlOOHU I|U DQNQXWQD I|UVlNULQJVI|UPHGODUH RFK VLGRYHUNVDPPD I|U VlNULQJVI|UPHGODUH

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ PRWVYDUDU NDS † I|UVlNULQJVI|UPHGOLQJVODJHQ 3DUDJUDIHQ LQQHElU DWW ODJHQ lU WLOOlPSOLJ lYHQ Sn I|UPHGOLQJ DY IRQG

DQGHODU VRP HQ I|UVlNULQJVI|UPHGODUH InU XW|YD VRP VLGRYHUNVDPKHW WLOO I|UVlNULQJVGLVWULEXWLRQHQ HQOLJW NDS † I|UVWD VW\FNHW XWDQ WLOOVWnQG HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ , ODJHQ ILQQV YLVVD EHVWlP PHOVHU VRP EDUD JlOOHU I|U VnGDQ VLGRYHUNVDPKHW 8W|YHU GHQQD ODJ lU lYHQ HWW IOHUWDO EHVWlPPHOVHU L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ WLOOlPSOLJD Sn VnGDQ VLGRYHUNVDPKHW VH I|UIDWWQLQJVNRPPHQWDUHQ WLOO NDS †

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ PRWVYDUDU L KXYXGVDN NDS † I|UVlNULQJVI|UPHGOLQJVODJHQ 3DUDJUDIHQ LQQHElU GHOV DWW GHQQD ODJ JlOOHU L WLOOlPSOLJD GHODU lYHQ I|U GHQ YHUNVDPKHW VRP GULYV DY XWOlQGVND I|UVlNULQJVGLVWULEXW|UHU L 6YHULJH GHOV DWW ODJHQ RP XWOlQGVND ILOLDOHU P P JlOOHU I|U YHUNVDPKHW VRP XW|YDV JHQRP VnGDQD ILOLDOHU HOOHU DJHQWXUHU WLOO XWOlQGVND I|UVlN

ULQJVGLVWULEXW|UHU (Q GHILQLWLRQ DY ILOLDO ILQQV L † gYHUYlJDQGHQD ILQQV L DYVQLWW

8QGDQWDJ IUnQ ODJHQV WLOOlPSQLQJVRPUnGH †

3DUDJUDIHQ JHQRPI|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 3DUDJUDIHQ PRWVYDUDU GHOYLV NDS † I|UVlNULQJVI|UPHGOLQJVODJHQ 3DUDJUDIHQ LQQHKnOOHU XQGDQWDJ IUnQ ODJHQV WLOOlPSQLQJVRPUnGH I|U

VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH RFK DQNQXWQD VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH , I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW XQGDQWDV OLNVRP L I|UVlNULQJVI|UPHGOLQJVODJHQ SHUVRQHU VRP LQWH KDU I|UVlN ULQJVI|UPHGOLQJ VRP KXYXGVDNOLJ \UNHVYHUNVDPKHW RP YLVVD I|UXWVlWW

QLQJDU lU XSSI\OOGD

, punkt 1 lU OHGHQ a–c DOWHUQDWLYD RFK DQJHU GH ULVNHU VRP HQ I|UVlNULQJ YDUV GLVWULEXWLRQ NDQ XQGDQWDV InU DYVH 'HW LQQHElU DWW I|UVlNULQJHQ

PnVWH DYVH QnJRQ HOOHU IOHUD DY GH ULVNHU VRP DQJHV 5HNYLVLWHQ lU NXPXODWLYD QlU GHW JlOOHU punkterna 1 RFK 2 PHGDQ punkt 3 lU DOWHUQDWLY WLOO punkt 2 L I|UKnOODQGH WLOO I|UVlNULQJDU VRP WlFNHU ULVNHU L VDPEDQG

PHG WMlQVWHU %HJUlQVQLQJHQ L IUnJD RP SUHPLHQV VWRUOHN VND EHUlNQDV Sn GHW LQGLYLGXHOOD I|UVlNULQJVDYWDO VRP GLVWULEXHUDV

opaginerad gYHUYlJDQGHQD ILQQV L DYVQLWW Kontrollera mot PDF

)|UVlNULQJVI|UHWDJ RFK I|UVlNULQJVI|UPHGODUH VRP HQJDJHUDU HQ VLGRYHUNVDP I|UVlNULQJVI|UPHGODUH HWW V N VSHFLDORPEXG VRP RPIDWWDV DY XQGDQWDJHW VND HQOLJW † VlNHUVWlOOD DWW LQIRUPDWLRQ OlPQDV WLOO NXQGHQ RFK DWW YHUNVDPKHWHQ XSSI\OOHU YLVVD NUDY VH I|UIDWWQLQJV NRPPHQWDUHQ WLOO GHQ SDUDJUDIHQ

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 3DUDJUDIHQ VDNQDU PRWVYDULJKHW L I|UVlNULQJVI|UPHGOLQJVODJHQ 3DUDJUDIHQ LQQHElU HQ VN\OGLJKHW I|U I|UVlNULQJVI|UHWDJ RFK I|UVlN

ULQJVI|UPHGODUH VRP HQJDJHUDU HQ I|UVlNULQJVI|UPHGODUH VRP RPIDWWDV DY XQGDQWDJHW L † HWW V N VSHFLDORPEXG DWW VlNHUVWlOOD DWW DQJLYQD NUDY XSSI\OOV

Punkt 1 LQQHElU DWW I|UVlNULQJVI|UHWDJ HOOHU I|UVlNULQJVI|UPHGODUH VND VlNHUVWlOOD DWW VSHFLDORPEXGHW WLOOKDQGDKnOOHU NXQGHQ LQIRUPDWLRQ LQQDQ I|UVlNULQJVDYWDOHW LQJnV PHG XSSJLIWHU RP I|UVlNULQJVI|UHWDJHWV HOOHU I|UVlNULQJVI|UPHGODUHQV RFK VSHFLDORPEXGHWV LGHQWLWHW RFK DGUHVV VDPW RP GH I|UIDUDQGHQ VRP J|U GHW P|MOLJW I|U NXQGHQ DWW DQPlOD NODJRPnO WLOO GHQ I|UVlNULQJVI|UPHGODUH HOOHU GHW I|UVlNULQJVI|UHWDJ VRP HQJDJHUDW VSHFLDORPEXGHW VH I|UIDWWQLQJVNRPPHQWDUHQ WLOO NDS †

Punkt 2 LQQHElU DWW I|UVlNULQJVI|UHWDJHW HOOHU I|UVlNULQJVI|UPHGODUHQ VND VlNHUVWlOOD DWW VSHFLDORPEXGHW LQI|UW lQGDPnOVHQOLJD RFK SURSRUWLRQ HUOLJD V\VWHP VRP lU I|UHQOLJD PHG GH JUXQGOlJJDQGH NUDY VRP JlOOHU YLG I|UVlNULQJVGLVWULEXWLRQ NDS † EHJUlQVQLQJDU DYVHHQGH WUHGMHSDUWHU VlWWQLQJDU RFK HUVlWWQLQJVV\VWHP NDS RFK †† UHJOHU YLG NRUV I|UVlOMQLQJ NDS † VDPW YLVVD LQIRUPDWLRQVNUDY NDS RFK †† RFK VRP EHDNWDU NXQGHQV NUDY RFK EHKRY LQQDQ DYWDOVI|UVODJHW OlJJV IUDP 'HW LQQHElU EO D DWW VSHFLDORPEXGHW VND EHDNWD GHW VN\GG GHQ DNWXHOOD I|UVlNULQJHQ JHU L I|UKnOODQGH WLOO JlOODQGH NRQVXPHQW VN\GGVODJVWLIWQLQJ VDPW HIWHUIUnJD NXQGHQV EHILQWOLJD VN\GG JHQRP W H[ KHPI|UVlNULQJ 9LGDUH VND I|UVlNULQJVI|UPHGODUHQ HOOHU I|UVlNULQJV I|UHWDJHW VlNHUVWlOOD DWW VSHFLDORPEXGHW JHU GHW I|UVlNULQJVSURGXNW IDNWDEODG VRP DYVHV L NDS † WLOO NXQGHQ LQQDQ DYWDOHW LQJnV

gYHUYlJDQGHQD ILQQV L DYVQLWW

$YWDOVYLOONRU VRP DYYLNHU IUnQ ODJHQ †

3DUDJUDIHQ JHQRPI|U GHOYLV DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHN WLYHW

3DUDJUDIHQ LQQHKnOOHU EHVWlPPHOVHU QlU GHW JlOOHU DYWDOVYLOONRU VRP

DYYLNHU IUnQ ODJHQ

Första stycket PRWVYDUDU L KXYXGVDN NDS † I|UVlNULQJV I|UPHGOLQJVODJHQ %HVWlPPHOVHQ UHJOHUDU P|MOLJKHWHQ DWW L YLVVD IDOO DYYLND IUnQ ODJHQV EHVWlPPHOVHU RP I|UVlNULQJVGLVWULEXWLRQ JHQRP DYWDO 3DUDJUDIHQ WDU LQWH VLNWH Sn I|UVlNULQJVYLOONRU L I|UVlNULQJVDYWDO %HVWlPPHOVHU RP VN\OGLJKHW DWW LDNWWD JRG I|UVlNULQJVGLVWULEXWLRQV VWDQGDUG P P NDS † VRP lU VDQNWLRQHUDG PHG HQ VNDGHVWnQGV

opaginerad VN\OGLJKHW NDS † InU DYWDODV ERUW EDUD YLG nWHUI|UVlNULQJV Kontrollera mot PDF

VN\OGLJKHW NDS † InU DYWDODV ERUW EDUD YLG nWHUI|UVlNULQJV

GLVWULEXWLRQ RFK I|UVlNULQJVGLVWULEXWLRQ PRW VWRUD ULVNHU

Andra stycket VRP LQWH KDU QnJRQ PRWVYDULJKHW L I|UVlNULQJVI|UPHG OLQJVODJHQ JHQRPI|U GHOYLV DUWLNHO L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW %HVWlPPHOVHQ UHJOHUDU P|MOLJKHWHQ DWW DYWDOD ERUW EO D GH LQIRUPDWLRQVNUDY VRP JlOOHU YLG GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU RFK SHQVLRQVI|UVlNULQJDU VRP lU H[SRQHUDGH PRW PDUNQDGVYRODWLOLWHW QlU NXQGHQ lU HQ SURIHVVLRQHOO NXQG (Q GHILQLWLRQ DY SURIHVVLRQHOO NXQG ILQQV L † VH I|UIDWWQLQJVNRPPHQWDUHQ WLOO GHQ SDUDJUDIHQ

gYHUYlJDQGHQD ILQQV L DYVQLWW

'HILQLWLRQHU †

3DUDJUDIHQ JHQRPI|U L KXYXGVDN DUWLNHO L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW

3DUDJUDIHQ PRWVYDUDU GHOYLV NDS † I|UVlNULQJVI|UPHGOLQJVODJHQ

RFK LQQHKnOOHU GHILQLWLRQHU VRP lU JUXQGOlJJDQGH L ODJHQ

, punkt 1 ILQQV LQ HQ GHILQLWLRQ DY DQNQXWHQ I|UVlNULQJVI|UPHGODUH )|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW LQQHKnOOHU WLOO VNLOOQDG IUnQ I|UVlN ULQJVI|UPHGOLQJVGLUHNWLYHW LQJHQ GHILQLWLRQ DY DQNQXWHQ I|UVlNULQJV I|UPHGODUH MIU DUWLNHO L RFK VNlO WLOO I|UVlNULQJVI|UPHGOLQJV GLUHNWLYHW 'HILQLWLRQHQ lQGUDV L I|UKnOODQGH WLOO PRWVYDUDQGH GHILQLWLRQ L I|UVlNULQJVI|UPHGOLQJVODJHQ NDS † 'HQ QlUPDUH LQQHE|UGHQ DY

EHJUHSSHW EHKDQGODV L DYVQLWW

, punkt 2 ILQQV HQ GHILQLWLRQ DY DQNQXWHQ VLGRYHUNVDP I|UVlNULQJV I|UPHGODUH , SXQNWHQ GHILQLHUDV VLGRYHUNVDP I|UVlNULQJVI|UPHGODUH

'HQ QlUPDUH LQQHE|UGHQ DY EHJUHSSHW EHKDQGODV L DYVQLWW

, punkt 3 ILQQV HQ GHILQLWLRQ DY EHK|ULJ P\QGLJKHW 'HILQLWLRQHQ PRW VYDUDU NDS † I|UVlNULQJVI|UPHGOLQJVODJHQ )|UVlNULQJVGLVWUL EXWLRQVGLUHNWLYHW LQQHKnOOHU WLOO VNLOOQDG IUnQ I|UVlNULQJVI|UPHGOLQJV GLUHNWLYHW LQWH QnJRQ GHILQLWLRQ DY EHK|ULJ P\QGLJKHW MIU DUWLNHO L I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW 'HILQLWLRQHQ DYVHU EDUD XWOlQGVND P\QGLJKHWHU HOOHU DQGUD XWOlQGVND RUJDQ VRP KDU EHK|ULJKHW DWW EHVOXWD RP WLOOVWnQG I|U HOOHU UHJLVWUHULQJ DY XWOlQGVND I|UVlNULQJVI|UPHGODUH HOOHU DWW XW|YD WLOOVWnQG |YHU VnGDQD I|UPHGODUH %HK|ULJD P\QGLJKHWHU L

6YHULJH lU )LQDQVLQVSHNWLRQHQ RFK %RODJVYHUNHW , punkt 4 XWWU\FNV LQQHE|UGHQ DY I|UNRUWQLQJHQ ((6

, punkt 5 ILQQV HQ GHILQLWLRQ DY ((6 I|UVlNULQJVI|UPHGODUH 'HILQL WLRQHQ KDU LQWH QnJRQ PRWVYDULJKHW L I|UVlNULQJVI|UPHGOLQJVODJHQ I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW HOOHU I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

'HILQLWLRQHQ EHKDQGODV L DYVQLWW

Punkt 6 JHQRPI|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 'HILQLWLRQHQ DY HUVlWWQLQJ KDU LQWH QnJRQ PRWVYDULJKHW L I|UVlNULQJV I|UPHGOLQJVODJHQ HOOHU I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW %HJUHSSHW EHKDQGODV EnGH QlU GHW JlOOHU UHJOHU I|U YHUNVDPKHWHQ VH VlUVNLOW DYVQLWW RFK QlU GHW JlOOHU \WWHUOLJDUH NUDY YLG GLVWULEXWLRQ DY I|UVlNULQJV

EDVHUDGH LQYHVWHULQJVSURGXNWHU VH VlUVNLOW DYVQLWW

Punkt 7 JHQRPI|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

'HILQLWLRQHQ DY ILOLDO KDU LQWH QnJRQ PRWVYDULJKHW L GLUHNWLYHW RP I|UVlN

opaginerad VYDUDQGH GHILQLWLRQ I|UVlNULQJVI|UPHGOLQJVODJHQ NDS † Kontrollera mot PDF

ULQJVI|UPHGOLQJ 'HILQLWLRQHQ L ODJHQ lQGUDV L I|UKnOODQGH WLOO PRW

VYDUDQGH GHILQLWLRQ I|UVlNULQJVI|UPHGOLQJVODJHQ NDS †

'HILQLWLRQHQ EHKDQGODV L DYVQLWW RP YHUNVDPKHW |YHU JUlQVHUQD

Punkt 8 JHQRPI|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

'HILQLWLRQHQ DY I|UVlNULQJVEDVHUDG LQYHVWHULQJVSURGXNW PRWVYDUDU GHILQL

WLRQHQ L (XURSDSDUODPHQWHWV RFK UnGHWV I|URUGQLQJ (8 QU DY

GHQ QRYHPEHU RP IDNWDEODG I|U SDNHWHUDGH RFK I|UVlNULQJV

EDVHUDGH LQYHVWHULQJVSURGXNWHU I|U LFNH SURIHVVLRQHOOD LQYHVWHUDUH 3ULLS

SURGXNWHU 'HILQLWLRQHQ KDU LQWH QnJRQ PRWVYDULJKHW L I|UVlNULQJV

I|UPHGOLQJVODJHQ HOOHU I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW 0HG I|UVlN

ULQJVEDVHUDG LQYHVWHULQJVSURGXNW DYVHV HQ I|UVlNULQJVSURGXNW PHG HWW

I|UIDOOR HOOHU nWHUN|SVYlUGH VRP KHOW HOOHU GHOYLV lU GLUHNW HOOHU LQGLUHNW

H[SRQHUDW PRW PDUNQDGVYRODWLOLWHW , GHILQLWLRQHQ XQGDQWDV VNDGH

I|UVlNULQJVSURGXNWHU RFK OLYI|UVlNULQJVDYWDO PHG IDVWD HUVlWWQLQJV

EHORSS 9LGDUH XQGDQWDV SHQVLRQVSURGXNWHU HQOLJW DUWLNHO F RFK G

YLOND L GHQ Q\D ODJHQ VDPODWV XQGHU EHJUHSSHW SHQVLRQVI|UVlNULQJDU 1lU

GHW JlOOHU GHILQLWLRQHQ DY SHQVLRQVI|UVlNULQJDU L GHQ Q\D ODJHQ lU GHW

IULNRSSODW IUnQ GHQ VRP ILQQV LQRP VNDWWHODJVWLIWQLQJHQ 'HILQLWLRQHQ

EHKDQGODV L DYVQLWW

, punkt 9 GHILQLHUDV I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

Punkt 10 JHQRPI|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

'HILQLWLRQHQ DY I|UVlNULQJVGLVWULEXW|U KDU LQWH QnJRQ PRWVYDULJKHW L

I|UVlNULQJVI|UPHGOLQJVODJHQ HOOHU I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW 0HG

I|UVlNULQJVGLVWULEXW|U DYVHV YDUMH I|UVlNULQJVI|UPHGODUH I|UVlNULQJV

I|UPHGODUH VRP EHGULYHU I|UPHGOLQJ VRP VLGRYHUNVDPKHW HOOHU I|UVlN

ULQJVI|UHWDJ 0HG I|UVlNULQJVGLVWULEXW|U DYVHV HPHOOHUWLG L I|UVlNULQJV

GLVWULEXWLRQVGLUHNWLYHW LQWH nWHUI|UVlNULQJVI|UPHGODUH HOOHU nWHUI|UVlN

ULQJVI|UHWDJ MIU DUWLNHO (QOLJW ODJHQ JlOOHU EHVWlPPHOVHUQD RP

I|UVlNULQJ lYHQ GLVWULEXWLRQ DY nWHUI|UVlNULQJ RP LQWH DQQDW DQJHV

NDS † 'HILQLWLRQHQ DY I|UVlNULQJVGLVWULEXW|U RPIDWWDU GlUI|U

VDPWOLJD NDWHJRULHU DY I|UVlNULQJVI|UPHGODUH nWHUI|UVlNULQJVI|UPHGODUH

I|UVlNULQJVI|UHWDJ RFK nWHUI|UVlNULQJVI|UHWDJ

Punkt 11 JHQRPI|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

'HILQLWLRQHQ DY I|UVlNULQJVI|UPHGODUH lQGUDV L I|UKnOODQGH WLOO

PRWVYDUDQGH GHILQLWLRQ L I|UVlNULQJVI|UPHGOLQJVODJHQ NDS †

0HG I|UVlNULQJVI|UPHGODUH DYVHV YDUMH I\VLVN HOOHU MXULGLVN SHUVRQ PHG

XQGDQWDJ I|U I|UVlNULQJVI|UHWDJ HOOHU GHUDV DQVWlOOGD VRP PRW HUVlWWQLQJ

LQOHGHU HOOHU EHGULYHU I|UVlNULQJVGLVWULEXWLRQ %HVWlPPHOVHUQD RP

I|UVlNULQJVGLVWULEXWLRQ L ODJHQ JlOOHU lYHQ YLG GLVWULEXWLRQ DY

nWHUI|UVlNULQJ RP LQWH DQQDW DQJHV NDS † 'HILQLWLRQHQ DY

I|UVlNULQJVI|UPHGODUH RPIDWWDU GlUI|U VDPWOLJD NDWHJRULHU DY I|UVlNULQJV

I|UPHGODUH RFK lYHQ nWHUI|UVlNULQJVI|UPHGODUH

, punkt 12 ILQQV HQ GHILQLWLRQ DY I|UVlNULQJVI|UPHGODUH IUnQ WUHGMHODQG

'HILQLWLRQHQ KDU LQWH QnJRQ PRWVYDULJKHW L I|UVlNULQJVI|UPHGOLQJVODJHQ

I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW HOOHU I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

0HG I|UVlNULQJVI|UPHGODUH IUnQ WUHGMHODQG DYVHV HQ XWOlQGVN I|UVlNULQJV

I|UPHGODUH YDUV KHPODQG LQWH K|U WLOO ((6 RFK VRP VNXOOH RPIDWWDV DY

I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RP KHPODQGHW K|UGH WLOO ((6

'HILQLWLRQHQ EHKDQGODV L DYVQLWW

Punkt 13 JHQRPI|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

'HILQLWLRQHQ LQQHElU HQ SUHFLVHULQJ L I|UKnOODQGH WLOO WHUPHQ KHPODQG L

opaginerad KXYXGNRQWRU lU EHOlJHW Kontrollera mot PDF

I|UVlNULQJVI|UPHGOLQJVODJHQ NDS † 0HG KHPODQG DYVHV RP I|UPHGODUHQ lU HQ I\VLVN SHUVRQ GHW ODQG LQRP ((6 GlU I|UPHGODUHQ KDU VLQ KHPYLVW HOOHU RP I|UPHGODUHQ lU HQ MXULGLVN SHUVRQ GHW ODQG LQRP ((6 GlU I|UPHGODUHQV VlWH lU EHOlJHW HOOHU RP I|UPHGODUHQ HQOLJW QDWLRQHOO UlWW LQWH KDU QnJRW VlWH GHW ODQG LQRP ((6 GlU I|UPHGODUHQV

KXYXGNRQWRU lU EHOlJHW

Punkt 14 JHQRPI|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 'HILQLWLRQHQ DY KXYXGVDNOLJW YHUNVDPKHWVVWlOOH KDU LQWH QnJRQ PRWVYD ULJKHW L I|UVlNULQJVI|UPHGOLQJVODJHQ HOOHU I|UVlNULQJVI|UPHGOLQJVGLUHN WLYHW 0HG KXYXGVDNOLJW YHUNVDPKHWVVWlOOH DYVHV GHQ SODWV GlU GHQ KXYXGVDNOLJD YHUNVDPKHWHQ EHGULYV 'HILQLWLRQHQ EHKDQGODV L DYVQLWW

'HILQLWLRQHQ L punkt 15 PRWVYDUDU GHILQLWLRQHQ DY NYDOLILFHUDW LQQHKDY L NDS † I|UVlNULQJVU|UHOVHODJHQ 'HILQLWLRQHQ EHKDQGODV

L DYVQLWW RFK

Punkt 16 JHQRPI|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 'HILQLWLRQHQ DY QlUD I|UELQGHOVHU KDU LQWH QnJRQ PRWVYDULJKHW L I|UVlN ULQJVI|UPHGOLQJVODJHQ HOOHU I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW 0HG QlUD I|UELQGHOVHU DYVHV GHWVDPPD VRP L NDS † I|UVlNULQJVU|UHOVHODJHQ 'HW VRP GlU DQJHV RP I|UVlNULQJVI|UHWDJ VND L VWlOOHW DYVH I|UVlNULQJV I|UPHGODUH 'HILQLWLRQHQ EHKDQGODV L DYVQLWW RFK

, punkt 17 ILQQV HQ GHILQLWLRQ DY SHQVLRQVI|UVlNULQJ 0HG VnGDQD I|UVlNULQJVDYWDO DYVHV EnGH SULYDWD RFK WMlQVWHSHQVLRQVI|UVlNULQJDU VRP DYVHV DWW KD VRP V\IWH DWW JH LQNRPVW YLG SHQVLRQHULQJ RFK VRP EHUlWWLJDU GHQ I|UVlNUDGH WLOO YLVVD HUVlWWQLQJDU /DJHQV GHILQLWLRQ DY SHQVLRQVI|UVlNULQJ lU IULNRSSODW IUnQ GHQ VRP ILQQV LQRP VNDWWHODJVWLIWQLQJHQ 'HQ LQQHElU EO D DWW lYHQ SURGXNWHU VRP XWJ|U V N GLUHNWSHQVLRQ YLOND L VNDWWHUlWWVOLJW KlQVHHQGH NDWHJRULVHUDV VRP NDSLWDOI|UVlNULQJDU LQQHIDWWDV 'HILQLWLRQHQ KDU LQWH QnJRQ PRWVYDULJKHW L I|UVlNULQJVI|UPHGOLQJVODJHQ HOOHU I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 'HILQLWLRQHQ EHKDQGODV L DYVQLWW

, punkt 18 ILQQV HQ GHILQLWLRQ DY SURIHVVLRQHOO NXQG 0HG GHW DYVHV

GHWVDPPD VRP L NDS E † ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ L O\GHO

VHQ HQOLJW SURS 'HILQLWLRQHQ L GHQ ODJHQ JHQRPI|U PRW

VYDUDQGH GHILQLWLRQ L DUWLNHO L 0L),' ,, 9LG I|UVlNULQJVGLVWULEXWLRQ

WLOO VnGDQD NXQGHU lU YLVVD EHVWlPPHOVHU RP LQIRUPDWLRQ L RFK NDS

GLVSRVLWLYD HQOLJW † DQGUD VW\FNHW

, punkt 19 ILQQV HQ GHILQLWLRQ DY UnGJLYQLQJ Sn JUXQGYDO DY HQ RSDUWLVN

RFK SHUVRQOLJ DQDO\V 0HG GHWWD DYVHV UnGJLYQLQJ VRP OlPQDV HIWHU HQ

DQDO\V DY HWW WLOOUlFNOLJW VWRUW DQWDO I|UVlNULQJVDYWDO Sn PDUNQDGHQ YLOND

VND YDUD WLOOUlFNOLJW GLYHUVLILHUDGH PHG DYVHHQGH Sn W\S RFK

SURGXNWOHYHUDQW|UHU I|U DWW VlNHUVWlOOD DWW NXQGHQV PnO Sn OlPSOLJW VlWW

NDQ WLOOJRGRVHV (Q RSDUWLVN RFK SHUVRQOLJ DQDO\V InU LQWH RPIDWWD

I|UVlNULQJVSURGXNWHU VRP KHOW HOOHU GHOYLV XWYHFNODWV DY I|UVlNULQJV

I|UPHGODUHQ DY I|UHWDJ VRP I|UVlNULQJVI|UPHGODUHQ KDU QlUD

I|UELQGHOVHU PHG HOOHU DY DQGUD I|UHWDJ VRP I|UPHGODUHQ KDU HWW VnGDQW

UlWWVOLJW HOOHU HNRQRPLVNW I|UKnOODQGH WLOO DWW GHW NDQ ULVNHUD

I|UXWVlWWQLQJDUQD I|U UnGJLYQLQJ Sn JUXQGYDO DY HQ VnGDQ DQDO\V 2P

UnGJLYQLQJ OlPQDV Sn JUXQGYDO DY HQ RSDUWLVN RFK SHUVRQOLJ DQDO\V InU

GHQ LQWH I|UHJnV HOOHU HIWHUI|OMDV DY HQ LFNH REHURHQGH LQYHVWHULQJV

UnGJLYQLQJ VRP lU KlQI|UOLJ WLOO VDPPD I|UVlNULQJVDYWDO VH NDS †

opaginerad %HP\QGLJDQGH † Kontrollera mot PDF

Punkt 20 JHQRPI|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 'HILQLWLRQHQ DY UnGJLYQLQJ KDU LQWH QnJRQ PRWVYDULJKHW L I|UVlNULQJVI|U PHGOLQJVODJHQ HOOHU I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW 0HG UnGJLYQLQJ DYVHV WLOOKDQGDKnOODQGH DY HQ SHUVRQOLJ UHNRPPHQGDWLRQ WLOO HQ NXQG DQWLQJHQ Sn GHQQHV EHJlUDQ HOOHU Sn LQLWLDWLY DY I|UVlNULQJVGLVWULEXW|UHQ L IUnJD RP HWW HOOHU IOHUD I|UVlNULQJVDYWDO 'HILQLWLRQHQ EHKDQGODV L DYVQLWW RFK

Punkt 21 JHQRPI|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 'HILQLWLRQHQ DY VLGRYHUNVDP I|UVlNULQJVI|UPHGODUH KDU LQWH QnJRQ PRWVYDULJKHW L I|UVlNULQJVI|UPHGOLQJVODJHQ HOOHU I|UVlNULQJVI|UPHGOLQJV GLUHNWLYHW 'HILQLWLRQHQ EHKDQGODV L DYVQLWW

, punkt 22 ILQQV HQ GHILQLWLRQ DY VNDGHI|UVlNULQJVSURGXNWHU 0HG GHWWD DYVHV VnGDQD I|UVlNULQJVSURGXNWHU VRP lU KlQI|UOLJD WLOO GH I|UVlNULQJ VNODVVHU VRP DQJHV L NDS † I|UVlNULQJVU|UHOVHODJHQ 'HILQLWLRQHQ EHKDQGODV L DYVQLWW

Punkt 23 JHQRPI|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 'HILQLHUDU DY VWRUD ULVNHU PRWVYDUDU GHILQLWLRQHQ L I|UVlNULQJVI|UPHG OLQJVODJHQ NDS † RFK I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW DUWLNHO 0HG GHWWD DYVHV VWRUD ULVNHU HQOLJW GHILQLWLRQHQ L DUWLNHO L (XURSDSDUODPHQWHWV RFK UnGHWV GLUHNWLY (* DY GHQ QRYHP EHU RP XSSWDJDQGH RFK XW|YDQGH DY I|UVlNULQJV RFK nWHUI|UVlN ULQJVYHUNVDPKHW 6ROYHQV ,, 6ROYHQV ,, GLUHNWLYHW 'HILQLWLRQHQ EHKDQGODV L DYVQLWW RFK

, punkt 24 ILQQV HQ GHILQLWLRQ DY WMlQVWHSHQVLRQVI|UVlNULQJ 0HG GHWWD DYVHV WMlQVWHSHQVLRQVV\VWHP VRP RPIDWWDV DY WLOOlPSQLQJVRPUnGHW I|U WMlQVWHSHQVLRQVGLUHNWLYHW GLUHNWLY (* HOOHU 6ROYHQV ,, GLUHNWLYHW 'HILQLWLRQHQ EHKDQGODV L DYVQLWW

Punkt 25 JHQRPI|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 'HILQLWLRQHQ DY YDUDNWLJW PHGLXP KDU LQWH QnJRQ PRWVYDULJKHW L I|UVlN ULQJVI|UPHGOLQJVODJHQ 'HILQLWLRQHQ EHKDQGODV L DYVQLWW RFK

Punkt 26 JHQRPI|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 'HILQLWLRQHQ DY YlUGPHGOHPVVWDW KDU LQWH QnJRQ PRWVYDULJKHW L I|UVlN ULQJVI|UPHGOLQJVODJHQ 0HG YlUGODQG DYVHV GHQ PHGOHPVVWDW GlU HQ I|UVlNULQJVI|UPHGODUH KDU HQ SHUPDQHQW QlUYDUR HOOHU HWW HWDEOHULQJVVWlOOH HOOHU WLOOKDQGDKnOOHU WMlQVWHU RFK VRP LQWH lU I|UPHGODUHQV KHPODQG

%HP\QGLJDQGH †

, SDUDJUDIHQ ILQQV HWW EHP\QGLJDQGH I|U UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU DWW PHGGHOD I|UHVNULIWHU RP YDG HWW I|UVlN ULQJVI|UHWDJ VND L LDNWWD QlU GHW XWI|U LQYHVWHULQJVUnGJLYQLQJ HOOHU SRUWI|OMI|UYDOWQLQJ L I|UKnOODQGH WLOO ILQDQVLHOOD LQVWUXPHQW PHG DYVHHQGH Sn I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU HOOHU SHQVLRQVI|UVlNULQJDU VRP lU H[SRQHUDGH PRW PDUNQDGVYRODWLOLWHW %HP\QGLJDQGHW LQQHElU DWW GHW lU P|MOLJW DWW PHGGHOD I|UHVNULIWHU VRP lU DQSDVVDGH WLOO I|UVlNULQJV I|UHWDJ PHQ VRP L DOOW YlVHQWOLJW PRWVYDUDU GH I|UHVNULIWHU VRP PHGGHODV PHG VW|G DY EHP\QGLJDQGHQ L NDS † RFK NDS † ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ L O\GHOVHQ HQOLJW SURS *HQRP EHP\QGLJDQGHW lU GHW lYHQ P|MOLJW DWW L I|UHVNULIWHU WD LQ UHJOHU I|U

I|UVlNULQJVI|UHWDJ VRP PRWVYDUDU GH UHJOHU VRP YlUGHSDSSHUVLQVWLWXW VND

opaginerad gYHUYlJDQGHQD ILQQV L DYVQLWW Kontrollera mot PDF

I|OMD QlU GH XWI|U LQYHVWHULQJVUnGJLYQLQJ HOOHU SRUWI|OMI|UYDOWQLQJ HQOLJW EO D GHQ GHOHJHUDGH I|URUGQLQJHQ WLOO 0L),' ,, NRPPLVVLRQHQV GHOHJHUDGH I|URUGQLQJ DY GHQ DSULO RP NRPSOHWWHULQJ DY (XURSDSDUODPHQWHWV RFK UnGHWV GLUHNWLY (8 YDG JlOOHU RUJDQL VDWRULVND NUDY RFK YLOONRU I|U YHUNVDPKHWHQ L YlUGHSDSSHUVI|UHWDJ RFK GHILQLWLRQHU I|U WLOOlPSQLQJ DY GHW GLUHNWLYHW

gYHUYlJDQGHQD ILQQV L DYVQLWW

NDS 7LOOVWnQG RFK UHJLVWUHULQJ 7LOOVWnQGV RFK UHJLVWUHULQJVSOLNW †

3DUDJUDIHQ JHQRPI|U GHOYLV DUWLNHO RFK DUWLNHO L I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW

3DUDJUDIHQ PRWVYDUDU L KXYXGVDN NDS † ODJHQ RP I|UVlNULQJV I|UPHGOLQJ

3DUDJUDIHQ LQQHKnOOHU EHVWlPPHOVHU RP WLOOVWnQGVSOLNW I|U I|UVlNULQJV

GLVWULEXWLRQ

$Y första stycket I|OMHU DWW I|UVlNULQJVI|UPHGOLQJ lU HQ WLOOVWnQGVSOLNWLJ YHUNVDPKHW RFK DWW WLOOVWnQG InU JHV WLOO HQ VYHQVN I\VLVN HOOHU MXULGLVN SHUVRQ 7LOOVWnQG EHK|YV GRFN LQWH I|U DQNQXWQD VLGRYHUNVDPPD I|UVlN ULQJVI|UPHGODUH HOOHU DQNQXWQD I|UVlNULQJVI|UPHGODUH VRP LQWH VND GLVWULEXHUD I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU HOOHU VnGDQD SHQVLRQVI|UVlNULQJDU VRP DYVHV L NDS † 'HILQLWLRQHU DY DQNQXWQD VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH RFK DQNQXWQD I|UVlNULQJVI|UPHG ODUH ILQQV L NDS † VH I|UIDWWQLQJVNRPPHQWDUHQ WLOO GHQ SDUDJUDIHQ )|U VnGDQD I|UPHGODUH JlOOHU L VWlOOHW GHW UHJLVWUHULQJVI|UIDUDQGH VRP DQJHV L HOOHU † $Y † I|OMHU DWW LQWH KHOOHU I|UVlNULQJVI|UHWDJ RFK

GHUDV DQVWlOOGD RPIDWWDV DY WLOOVWnQGVSOLNW HQOLJW ODJHQ )LQDQVLQVSHNWLRQHQ VND HQOLJW andra stycket PHGGHOD EHVOXW L IUnJD RP

WLOOVWnQG LQRP WUH PnQDGHU IUnQ GHW DWW HQ I|UVlNULQJVI|UPHGODUH OlPQDW LQ HQ IXOOVWlQGLJ DQV|NDQ *HQRP GHW NUDYHW JHQRPI|UV DUWLNHO L I|UVlN

ULQJVGLVWULEXWLRQVGLUHNWLYHW

, tredje stycket ILQQV HQ XSSO\VQLQJ RP DWW GHW ILQQV VlUVNLOGD EHVWlP PHOVHU L NDS RP YHUNVDPKHW |YHU JUlQVHUQD )|UVlNULQJVI|UPHGODUH IUnQ HWW DQQDW ODQG LQRP ((6 EHK|YHU LQWH WLOOVWnQG IUnQ )LQDQVLQVSHN WLRQHQ I|U DWW In EHGULYD I|UVlNULQJVGLVWULEXWLRQ L 6YHULJH )|U GHP JlOOHU L VWlOOHW GHW DQPlOQLQJVI|UIDUDQGH VRP DQJHV L NDS † gYULJD XWOlQGVND I|UVlNULQJVI|UPHGODUH lU HQOLJW NDS † VN\OGLJD DWW DQV|ND RP WLOOVWnQG KRV )LQDQVLQVSHNWLRQHQ I|U DWW In EHGULYD I|UVlNULQJV GLVWULEXWLRQ IUnQ ILOLDO L 6YHULJH (Q VnGDQ ILOLDO VND UHJLVWUHUDV HQOLJW NDS † 9HUNVDPKHW |YHU JUlQVHUQD EHKDQGODV L DYVQLWWHQ RFK

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ PRWVYDUDU NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ 3DUDJUDIHQ LQQHKnOOHU EHVWlPPHOVHU RP YDG WLOOVWnQG I|U DWW EHGULYD

I|UVlNULQJVGLVWULEXWLRQ InU RPIDWWD

opaginerad gYHUYlJDQGHQD ILQQV L DYVQLWW Kontrollera mot PDF

$Y första stycket I|OMHU DWW WLOOVWnQG InU DYVH DOOD HOOHU YLVVD

I|UVlNULQJVVODJ HOOHU YLVVD I|UVlNULQJVNODVVHU

, andra stycket ILQQV HQ XSSO\VQLQJ RP DWW EHVWlPPHOVHU RP I|UVlN ULQJVNODVVHU ILQQV L NDS ± †† I|UVlNULQJVU|UHOVHODJHQ 'H I|UH VNULIWHU VRP DYVHV lU )LQDQVLQVSHNWLRQHQV I|UHVNULIWHU RFK DOOPlQQD UnG )))6 RP I|UVlNULQJVU|UHOVH

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U GHOYLV DUWLNHO RFK L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW

3DUDJUDIHQ PRWVYDUDU NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ

3DUDJUDIHQ LQQHKnOOHU EHVWlPPHOVHU RP UHJLVWUHULQJ KRV %RODJVYHUNHW $Y första stycket I|OMHU HQ VN\OGLJKHW I|U GHQ VRP KDU InWW WLOOVWnQG

HQOLJW † DWW DQPlOD VLJ I|U UHJLVWUHULQJ LQRP HQ YLVV WLG (IWHUVRP UHJLVWUHULQJ VND VNH KRV %RODJVYHUNHW PHGDQ SU|YQLQJHQ DY DQV|NDQ RP WLOOVWnQG VNHU KRV )LQDQVLQVSHNWLRQHQ NDQ UHJLVWUHULQJ LQWH VNH VDPWLGLJW VRP WLOOVWnQG EHYLOMDV

5HJLVWUHULQJ lU HQ I|UXWVlWWQLQJ I|U DWW In EHGULYD I|UVlNULQJV

GLVWULEXWLRQ

Andra RFK tredje styckena LQQHElU DWW YHUNVDPKHWHQ LQWH InU SnE|UMDV I|UUlQ UHJLVWUHULQJ KDU VNHWW RFK DWW WLOOVWnQGHW XSSK|U DWW JlOOD RP DQPlODQ RP UHJLVWUHULQJ LQWH J|UV LQRP YLVV WLG (QOLJW I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW VND HQ I|UVlNULQJVI|UPHGODUH UHJLVWUHUDV L VLWW KHPODQG RFK PHG VW|G DY GHQ UHJLVWUHULQJHQ NXQQD GULYD YHUNVDPKHW LQRP KHOD ((6 VH DUWLNODUQD I|UVWD VW\FNHW RFK 5HJLVWUHULQJHQ VND RFNVn NXQQD NRQWUROOHUDV DY NXQGHQ $Y GLUHNWLYHW I|OMHU DWW I|UVlNULQJVI|UPHGODUHQ VND LQIRUPHUD NXQGHQ RP GHW UHJLVWHU VRP I|UPHGODUHQ lU XSSWDJHQ L RFK KXU UHJLVWUHULQJHQ NDQ NRQWUROOHUDV VH DUWLNHO D LY ,QIRUPDWLRQVNUDYHQ EHKDQGODV L DYVQLWW

%HVWlPPHOVHU RP UHJLVWUHULQJVP\QGLJKHW RFK UHJLVWUHULQJ ILQQV L NDS RFK ††

gYHUYlJDQGHQD ILQQV L DYVQLWWHQ RFK

†

3DUDJUDIHQ JHQRPI|U KXYXGVDNOLJHQ DUWLNHO L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW

3DUDJUDIHQ KDU LQWH QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJVI|UPHG OLQJ PHQ lU XWIRUPDG HIWHU I|UHELOG DY NDS † GHQ ODJHQ

3DUDJUDIHQ LQQHKnOOHU EHVWlPPHOVHU RP UHJLVWUHULQJ DY DQNQXWQD VLGR YHUNVDPPD I|UVlNULQJVI|UPHGODUH RFK LQQHElU HWW XQGDQWDJ IUnQ NUDYHW Sn WLOOVWnQGVSOLNW L † (Q GHILQLWLRQ DY DQNQXWHQ VLGRYHUNVDP I|UVlN ULQJVI|UPHGODUH ILQQV L NDS † 5HJLVWUHULQJVI|UIDUDQGHW |YHUHQV VWlPPHU L KXYXGVDN PHG GHW VRP JlOOHU I|U DQNQXWQD I|UVlNULQJV I|UPHGODUH HQOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ

(Q VLGRYHUNVDP I|UVlNULQJVI|UPHGODUH NDQ YDUD DQNQXWHQ DQWLQJHQ WLOO

HWW I|UVlNULQJVI|UHWDJ HOOHU WLOO HQ DQQDQ I|UVlNULQJVI|UPHGODUH (QOLJW första stycket VND I|UVlNULQJVI|UHWDJHW HOOHU GHQ DQGUD I|UVlNULQJV

opaginerad I|UPHGODUHQ DQPlOD GHQ VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUHQ I|U Kontrollera mot PDF

I|UPHGODUHQ DQPlOD GHQ VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUHQ I|U

UHJLVWUHULQJ KRV %RODJVYHUNHW

$Y andra stycket I|OMHU GHW DWW GHW lU HQ I|UXWVlWWQLQJ I|U HQ VnGDQ DQPlODQ DWW I|UPHGODUHQ XSSI\OOHU YLVVD DY GH NUDY VRP JlOOHU I|U WLOO VWnQG WLOO I|UVlNULQJVGLVWULEXWLRQ HQOLJW HOOHU † 'HWWD LQQHElU L VLQ WXU DWW I|UVlNULQJVI|UHWDJHW UHVSHNWLYH I|UVlNULQJVI|UPHGODUHQ GHVVI|ULQQDQ KDU NRQWUROOHUDW DWW GH NUDYHQ lU XSSI\OOGD

(Q DQNQXWHQ VLGRYHUNVDP I|UVlNULQJVI|UPHGODUH EHK|YHU LQWH XSSI\OOD NUDYHQ Sn DWW YDUD L |YULJW OlPSOLJD I|U YHUNVDPKHWHQ VRP VWlOOV XSS I|U I|UVlNULQJVI|UPHGODUH VRP lU I\VLVND SHUVRQHU UHVSHNWLYH YDUD L |YULJW OlPSOLJD I|U DWW LQJn L OHGQLQJHQ VRP lU HWW NUDY I|U I|UVlNULQJV I|UPHGODUH VRP lU MXULGLVND SHUVRQHU I|U OlPSOLJKHWVNUDYHW VH DYVQLWW 1lU GHW JlOOHU NUDYHW Sn I|UVlNULQJVI|UPHGODUH VRP lU I\VLVND SHUVRQHU IUDPJnU GHW UHGDQ PRWVDWVYLV DY GH EHVWlPPHOVHU VRP DQJHV L DQGUD VW\FNHW DWW GHW LQWH RPIDWWDU DQNQXWQD VLGRYHUNVDPPD I|UVlNULQJV I|UPHGODUH )|U QlPQGD NUDY Sn I|UVlNULQJVI|UPHGODUH VRP lU MXULGLVND SHUVRQHU DQJHV GlUHPRW HWW XWWU\FNOLJW XQGDQWDJ IUnQ NUDYHW .UDYHW Sn DWW KD HQ DQVYDUVI|UVlNULQJ JlOOHU LQWH KHOOHU DQNQXWQD VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH HIWHUVRP GHW lU HQ I|UXWVlWWQLQJ I|U DWW WLOOK|UD GHQ JUXSSHQ DWW QnJRQ DQQDQ DNW|U KDU nWDJLW VLJ DWW VYDUD I|U HWW HYHQWXHOOW VNDGHVWnQGVDQVYDU

.RQWUROOHQ DY DWW HQ HQVNLOG SHUVRQ LQWH I|UHNRPPHU L GHW UHJLVWHU VRP I|UV HQOLJW ODJHQ RP EHODVWQLQJVUHJLVWHU VND VNH JHQRP DWW SHUVRQHQ I|U I|UVlNULQJVI|UHWDJHW UHVSHNWLYH I|U I|UPHGODUI|UHWDJHW YLVDU XSS HWW VlUVNLOW UHJLVWHUXWGUDJ VRP KDQ HOOHU KRQ LQKlPWDW PHG VW|G DY † VDPPD ODJ 9DG UHJLVWHUXWGUDJHW VND LQQHKnOOD RFK KXU UHJLVWHUNRQWUROOHQ VND Jn WLOO NRPPHU DWW UHJOHUDV L I|UHVNULIWHU VRP PHGGHODV DY UHJHULQJHQ L HQOLJKHW PHG † 5HJLVWHUXWGUDJHW VND XWIRUPDV Sn HWW VlWW VRP LQQHElU PLQVWD P|MOLJD LQWUnQJ L GHQ HQVNLOGHV LQWHJULWHW

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU HQOLJW † PHGGHOD I|UHVNULIWHU RP YDG I|UVlNULQJVI|UHWDJ RFK I|UVlNULQJV I|UPHGODUH L |YULJW VND LDNWWD YLG NRQWUROOHQ DY DQNQXWQD VLGRYHUNVDPPD I|UPHGODUHV NYDOLILNDWLRQHU RFK YLG DQPlODQ DY GHVVD I|UPHGODUH I|U UHJLVWUHULQJ *HQRP VnGDQD I|UHVNULIWHU NDQ GHW VlNHUVWlOODV DWW GHW VNDSDV HWW V\VWHP VRP lU WURYlUGLJW SUDNWLVNW P|MOLJW DWW DQYlQGD RFK JRGWDJEDUW

XU LQWHJULWHWVV\QSXQNW

, tredje stycket DQJHV DWW GHW L HQ DQPlODQ VND DQJHV YLOND I|UVlNULQJV VODJ HOOHU I|UVlNULQJVNODVVHU VRP I|UPHGOLQJHQ VND DYVH 5HJLVWUHULQJHQ I|U DQNQXWQD VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH InU Sn PRWVYDUDQGH VlWW VRP I|U |YULJD I|UVlNULQJVI|UPHGODUH EHJUlQVDV WLOO YLVVD I|UVlN

ULQJVVODJ HOOHU I|UVlNULQJVNODVVHU MIU I|UIDWWQLQJVNRPPHQWDUHQ WLOO † )|U GHQQD JUXSS DY I|UVlNULQJVI|UPHGODUH JlOOHU RFNVn HQOLJW fjärde stycket DWW YHUNVDPKHWHQ LQWH InU SnE|UMDV I|UUlQ UHJLVWUHULQJ KDU VNHWW MIU

I|UIDWWQLQJVNRPPHQWDUHQ WLOO † gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U KXYXGVDNOLJHQ DUWLNHO L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW

opaginerad OLQJ Kontrollera mot PDF

3DUDJUDIHQ KDU LQWH QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJVI|UPHG

OLQJ

3DUDJUDIHQ LQQHElU DWW GHQ RUGQLQJ I|U UHJLVWUHULQJVI|UIDUDQGH VRP

JlOOHU I|U DQNQXWQD VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH HQOLJW † lYHQ

JlOOHU L YLVVD DQGUD IDOO

(QOLJW första stycket JlOOHU GHW lYHQ QlU HQ VDPPDQVOXWQLQJ DY I|UVlN

ULQJVI|UHWDJ HOOHU I|UVlNULQJVI|UPHGODUH DQPlOHU HQ DQNQXWHQ VLGR

YHUNVDP I|UVlNULQJVI|UPHGODUH

$Y andra stycket I|OMHU DWW GHQ RUGQLQJHQ JlOOHU lYHQ I|U DQNQXWQD

I|UVlNULQJVI|UPHGODUH VRP LQWH VND GLVWULEXHUD I|UVlNULQJVEDVHUDGH

LQYHVWHULQJVSURGXNWHU HOOHU SHQVLRQVI|UVlNULQJDU VRP lU H[SRQHUDGH PRW

PDUNQDGVYRODWLOLWHW $Y GHILQLWLRQHQ L NDS † IUDPJnU DWW HQ DQ

NQXWHQ I|UVlNULQJVI|UPHGODUH LQWH NDQ YDUD DQNQXWHQ WLOO HQ DQQDQ I|UVlN

ULQJVI|UPHGODUH MIU DQNQXWQD VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U GHOYLV DUWLNHO L I|UVlNULQJVGLVWULEXWLRQV

GLUHNWLYHW

3DUDJUDIHQ KDU LQWH QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJVI|UPHG

OLQJ

3DUDJUDIHQ LQQHKnOOHU XQGDQWDJ IUnQ WLOOVWnQGVSOLNW HQOLJW †

8QGDQWDJ JlOOHU HQOLJW första stycket I|U I|UVlNULQJVI|UHWDJ VRP KDU

WLOOVWnQG HQOLJW I|UVlNULQJVU|UHOVHODJHQ RFK DQVWlOOGD L VnGDQD I|UHWDJ

)|UVlNULQJVI|UHWDJ VRP GLVWULEXHUDU I|UVlNULQJDU InU VnOHGHV J|UD GHW

LQRP UDPHQ I|U VLWW U|UHOVHWLOOVWnQG HQOLJW GHQ ODJHQ (QOLJW I|UHYDUDQGH

ODJ JlOOHU HPHOOHUWLG YLVVD NUDY Sn I|UVlNULQJVI|UHWDJHQV OHGQLQJ RFK DQ

VWlOOGD VH RFK †† RFK I|UIDWWQLQJVNRPPHQWDUHQ WLOO GH SDUDJUDI

HUQD

(QOLJW andra stycket JlOOHU XQGDQWDJ IUnQ WLOOVWnQGVSOLNW lYHQ I|U DQ

VWlOOGD KRV I|UVlNULQJVI|UPHGODUH VRP lU MXULGLVND SHUVRQHU

gYHUYlJDQGHQD ILQQV L DYVQLWW

)|UXWVlWWQLQJDU I|U WLOOVWnQG I|U HQ I\VLVN SHUVRQ

†

3DUDJUDIHQ JHQRPI|U GHOYLV DUWLNODUQD RFK ± L

I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

3DUDJUDIHQ PRWVYDUDU NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ

3DUDJUDIHQ LQQHKnOOHU GH NUDY VRP VWlOOV I|U DWW HQ I\VLVN SHUVRQ VND In

WLOOVWnQG DWW EHGULYD I|UVlNULQJVGLVWULEXWLRQ

Punkterna 1 RFK 2 PRWVYDUDU NDS † RFK ODJHQ RP I|UVlN

ULQJVI|UPHGOLQJ RFK DYVHU GH NUDY VRP DQJHV L DUWLNHO L I|UVlNULQJV

GLVWULEXWLRQVGLUHNWLYHW 5HJHULQJHQ InU PHGGHOD I|UHVNULIWHU RP YDG VRP

VND DYVHV PHG DOOYDUOLJD I|UP|JHQKHWVEURWW UHVSHNWLYH DOOYDUOLJ

HNRQRPLVN EURWWVOLJKHW † 5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP

UHJHULQJHQ EHVWlPPHU InU PHGGHOD I|UHVNULIWHU RP YDG VRP VND DYVHV

PHG VN|WVDPKHW L HNRQRPLVND DQJHOlJHQKHWHU †

'H EURWWVW\SHU VRP NDQ EOL DNWXHOOD DWW NRQWUROOHUD DQJHV KXYXGVDNOLJHQ

L ± RFK NDS EURWWVEDONHQ VDPW L VNDWWHEURWWVODJHQ

opaginerad DYVHHQGHQ VH † Kontrollera mot PDF

ODJHQ RP I|UEXG PRW MXULGLVNW HOOHU HNRQRPLVNW ELWUlGH RFK ODJHQ RP VWUDII I|U PDUNQDGVPLVVEUXN YLG KDQGHO PHG ILQDQVLHOOD LQVWUXPHQW )UnJDQ RP YLONHQ WLGVSHULRG UHJLVWHUXWGUDJHW E|U DYVH E|U QRJD |YHUYlJDV QlU GHW UHJOHUDV L RYDQ QlPQGD I|UHVNULIWHU 1lU GHW JlOOHU NUDYHW Sn DWW I|UPHGODUHQ KDU YLVDW VN|WVDPKHW L HNRQRPLVND DQJHOlJHQKHWHU E|U GHW L I|UHVNULIWHUQD DQJHV W\GOLJD DQYLVQLQJDU RP VnGDQD RPVWlQGLJKHWHU VRP L VLJ VND DQVHV YDUD Vn JUDYHUDQGH I|U GHQ

HQVNLOGH DWW KDQ HOOHU KRQ LQWH E|U In EHGULYD I|UVlNULQJVGLVWULEXWLRQ )|UVlNULQJVI|UPHGODUH VND HQOLJW punkterna 3 RFK 4 KD OlPSOLJ NXQ

VNDS RFK NRPSHWHQV I|U GHQ YHUNVDPKHW VRP VND XW|YDV UHVSHNWLYH XSSI\OOD HWW NUDY Sn IRUWO|SDQGH IRUWELOGQLQJ RFK \UNHVXWYHFNOLQJ .UDYHQ I|OMHU DY DUWLNHO RFK L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RFK PRWVYDUDU GHP L NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ QlU GHW JlOOHU NXQVNDS RFK NRPSHWHQV 5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU PHGGHOD I|UHVNULIWHU RP YDG VRP NUlYV L GHVVD

DYVHHQGHQ VH †

)|UVlNULQJVI|UPHGODUH VND HQOLJW punkt 5 RPIDWWDV DY HQ I|UVlNULQJ I|U VNDGHVWnQGVVN\OGLJKHW VRP NDQ nOlJJDV I|UPHGODUHQ RP KDQ HOOHU KRQ nVLGRVlWWHU VLQD VN\OGLJKHWHU 'HW PRWVYDUDU GHW NUDY VRP JlOOHU HQOLJW NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ (QOLJW SXQNWHQ VND GHQ I\VLVND SHUVRQHQ ´RPIDWWDV´ DY HQ DQVYDUVI|UVlNULQJ 'HWWD LQQHElU DWW GHQ I\VLVND SHUVRQHQ DQWLQJHQ VMlOY VND KD HQ DQVYDUVI|UVlNULQJ HOOHU RPIDWWDV DY HQ DQVYDUI|UVlNULQJ VRP WLOOKDQGDKnOOV DY HWW I|UVlNULQJV I|UHWDJ HOOHU QnJRW DQQDW I|UHWDJ I|U YDUV UlNQLQJ GHQ I\VLVND SHUVRQHQ I|UPHGODU I|UVlNULQJDU MIU DUWLNHO L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW 'H QlUPDUH I|UVlNULQJVYLOONRUHQ InU UHJOHUDV L I|UHVNULIWHU VRP UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU PHGGHOD VH † 'HW lU LQWH Q|GYlQGLJW DWW )LQDQVLQVSHNWLRQHQ YLG WLOOVWnQGVJLYQLQJHQ JUDQVNDU I|UVlNULQJVYLOONRUHQ L YDUMH HQVNLOW IDOO (Q XSSJLIW IUnQ GHQ I|UVlNULQJVJLYDUH VRP PHGGHODW DQVYDUVI|UVlNULQJHQ RP

DWW I|UVlNULQJHQ XSSI\OOHU GH NUDY VRP VWlOOV E|U YDUD WLOOUlFNOLJW

, punkt 6 ILQQV HWW NUDY Sn DWW SHUVRQHQ lYHQ L |YULJW VND YDUD OlPSOLJ I|U DWW EHGULYD I|UVlNULQJVGLVWULEXWLRQ 'HW NUDYHW KDU LQWH QnJRQ PRW VYDULJKHW L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ $Y IRUPXOHULQJHQ ´L |YULJW´ I|OMHU DWW GHW U|U VLJ RP HWW NUDY XW|YHU GHP VRP DQJHV L GH I|UHJnHQGH SXQNWHUQD bYHQ NUDYHQ L SXQNWHUQD ± DYVHU SHUVRQHQV OlPSOLJKHW L ROLND VlUVNLOW DQJLYQD DYVHHQGHQ 9LG EHG|PQLQJ DY YDG VRP DYVHV PHG ´OlPSOLJ´ L I|UHYDUDQGH SXQNW NDQ OHGQLQJ KlPWDV IUnQ VDPPD EHJUHSS L DQGUD ODJDU Sn ILQDQVPDUNQDGHQV RPUnGH VH W H[ NDS † I|UVWD VW\FNHW VLVWD OHGHW I|UVlNULQJVU|UHOVHODJHQ (Q DQQDQ VDN lU DWW DQGUD K|JUH NUDY VWlOOV Sn GHQ VRP GHOWDU L OHGQLQJHQ DY HWW I|UVlNULQJVI|UHWDJ QlU GHW JlOOHU GH LQVLNWHU RFK GHQ HUIDUHQKHW VRP SHUVRQHQ PnVWH KD <WWHUVW lU GHW )LQDQVLQVSHNWLRQHQ RFK L I|UHNRPPDQGH IDOO DOOPlQ I|UYDOWQLQJVGRPVWRO VRP InU DYJ|UD YDG VRP VND LQQHIDWWDV L XWWU\FNHW ´L |YULJW OlPSOLJ´ 9DG VRP QlUPDUH DYVHV PHG EHJUHSSHW InU UHJOHUDV L I|UHVNULIWHU VRP PHGGHODV DY UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU VH †

1lU GHW JlOOHU GH RPVWlQGLJKHWHU VRP E|U OLJJD WLOO JUXQG I|U EHG|P QLQJHQ XW|YHU GHW VRP DQJHV L I|UDUEHWHQD WLOO W H[ I|UVlNULQJV U|UHOVHODJHQ SURS V ± RFK E|U I|OMDQGH EHDNWDV

opaginerad VW\FNHW Kontrollera mot PDF

2P QnJRQ KDU KDIW WLOOVWnQG I|U DWW EHGULYD I|UVlNULQJVGLVWULEXWLRQ RFK KDU nVLGRVDWW VLQD VN\OGLJKHWHU HQOLJW GHQQD ODJ HQOLJW I|UHVNULIWHU VRP KDU PHGGHODWV PHG VW|G DY ODJHQ HOOHU HQOLJW DQGUD I|UIDWWQLQJDU VRP UHJOHUDU I|UVlNULQJVI|UPHGODUHQV YHUNVDPKHW RFK W H[ KDU I|UNODUDW VLJ DYVWn IUnQ WLOOVWnQGHW HQOLJW NDS † I|UVWD VW\FNHW RFK RP GHW lU DQWDJOLJW DWW nWHUNDOOHOVHQ V\IWDU WLOO DWW XQGJn HQ HYHQWXHOO VDQNWLRQ L HWW SnJnHQGH WLOOV\QVlUHQGH InU GHW J|UDV HQ EHG|PQLQJ L GHW HQVNLOGD IDOOHW DY RP SHUVRQHQ lU OlPSOLJ I|U DWW In HWW Q\WW WLOOVWnQG YLG HWW VHQDUH WLOOIlOOH 'HWVDPPD JlOOHU RP WLOOVWnQGHW KDU nWHUNDOODWV Sn DQQDQ JUXQG VRP lU KlQI|UOLJ WLOO GHQ HQVNLOGD I|UVlNULQJVI|UPHGODUHQV DJHUDQGH W H[ YLG nWHUNDOOHOVH VRP HQ I|OMG DY DWW I|UVlNULQJVI|UPHGODUHQ KDU XQGHUOnWLW DWW EHGULYD YHUNVDPKHW XQGHU HQ VDPPDQKlQJDQGH WLG RP VH[ PnQDGHU NDS † bYHQ OLNQDQGH DJHUDQGHQ VRP V\IWDU WLOO DWW XQGJn HQ HYHQWXHOO VDQNWLRQ L HWW SnJnHQGH WLOOV\QVlUHQGH W H[ XSSVlJQLQJ DY DQVYDUVI|UVlNULQJ E|U NXQQD SnYHUND XWIDOOHW DY HQ OlPSOLJKHWVSU|YQLQJ WLOO V|NDQGHQV QDFNGHO (YHQWXHOOD WLGLJDUH |YHUWUlGHOVHU InU EHDNWDV lYHQ RP QnJRW EHVOXW RP LQJULSDQGH LQWH KDU IDWWDWV DY )LQDQVLQVSHNWLRQHQ $YJ|UDQGH lU L VWlOOHW RP )LQDQVLQVSHNWLRQHQ KDU WLOOUlFNOLJ JUXQG I|U DWW GUD VOXWVDWVHQ DWW HQ |YHUWUlGHOVH KDU lJW UXP .UDYHW Sn DWW YDUD OlPSOLJ DWW EHGULYD I|UVlNULQJVGLVWULEXWLRQ InU L GHW VDPPDQKDQJHW I|UVWnV Sn Vn VlWW DWW HQ |YHUWUlGHOVH YDQOLJWYLV E|U XWHVOXWD HWW Q\WW WLOOVWnQG RP |YHUWUlGHOVHQ YDU Vn DOOYDUOLJ DWW HQ nWHUNDOOHOVH DY WLOOVWnQGHW HQOLJW NDS † DQGUD VW\FNHW KDGH NXQQDW NRPPD L IUnJD 'HW JlOOHU L YDUW IDOO RP |YHUWUlGHOVHQ LQWH OLJJHU OlQJUH lQ IHP nU WLOOEDND L WLGHQ MIU NDS † I|UVWD VW\FNHW )LQDQVLQVSHNWLRQHQV I|UHVNULIWHU RFK DOOPlQQD UnG >)))6 @ RP I|UVlNULQJVI|UPHGOLQJ 2P GHW NDQ DQWDV DWW GHQ WLGLJDUH |YHUWUlGHOVHQ VNXOOH KD I|UDQOHWW HQ YDUQLQJ PHG HOOHU XWDQ VDQNWLRQV DYJLIW HQOLJW NDS † NDQ GHW RFNVn YDUD Vn DWW SHUVRQHQ L IUnJD LQWH lU OlPSOLJ I|U DWW Sn Q\WW EHGULYD I|UVlNULQJVGLVWULEXWLRQ )UnJDQ InU DYJ|UDV PHG OHGQLQJ DY KXU DOOYDUOLJ |YHUWUlGHOVHQ YDU 'HW E|U LQWH NUlYDV DWW GHQ WLGLJDUH |YHUWUlGHOVHQ PHG YLVVKHW KDGH I|UDQOHWW HQ YLVV VDQNWLRQ HIWHUVRP HQ VnGDQ EHG|PQLQJ lU VYnU DWW J|UD L HIWHUKDQG 2P GHW U|U VLJ RP HQ WLGLJDUH |YHUWUlGHOVH VRP InU DQVHV ULQJD HOOHU XUVlNWOLJ E|U GHQ QRUPDOW VHWW LQWH XWHVOXWD DWW HWW Q\WW WLOOVWnQG EHYLOMDV

2P HWW WLGLJDUH WLOOVWnQG KDU nWHUNDOODWV RFK EHVOXWHW KDU I|UHQDWV PHG I|UEXG DWW IRUWVlWWD YHUNVDPKHWHQ HQOLJW NDS † WUHGMH VW\FNHW E|U GHW DY QDWXUOLJD VNlO YDUD XWHVOXWHW DWW SHUVRQHQ L IUnJD Sn Q\WW EHYLOMDV WLOOVWnQG 'HW E|U JlOOD XQGHU L YDUW IDOO IHP nU IUnQ EHVOXWHW MIU NDS † I|UVWD VW\FNHW QlPQGD P\QGLJKHWVI|UHVNULIWHU

, IUnJD RP XWOlQGVND I|UVlNULQJVI|UPHGODUH lU OlPSOLJKHWVNUDYHW WLOOlPSOLJW Sn I|UPHGODUH IUnQ HWW ODQG VRP LQWH WLOOK|U ((6 PHQ GlUHPRW LQWH Sn I|UPHGODUH IUnQ HWW ODQG LQRP ((6 VH NDS † DQGUD VW\FNHW

.UDYHW WLOOlPSDV HPHOOHUWLG LQWH Sn DQNQXWQD VLGRYHUNVDPPD I|UVlNULQJV I|UPHGODUH HOOHU DQNQXWQD I|UVlNULQJVI|UPHGODUH VRP LQWH GLVWULEXHUDU I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU HOOHU VnGDQD SHQVLRQVI|UVlN ULQJDU VRP DYVHV L NDS † 'HVVD RPIDWWDV LQWH DY NUDYHW VRP HQ NRQVHNYHQV DY DWW GHVVD VND NRQWUROOHUDV DY HWW I|UVlNULQJVI|UHWDJ HOOHU HQ DQQDQ I|UVlNULQJVI|UPHGODUH NDS † DQGUD VW\FNHW RFK † DQGUD

VW\FNHW

Punkt 7 VRP LQWH KDU QnJRQ PRWVYDULJKHW L NDS † ODJHQ RP I|UVlN

ULQJVI|UPHGOLQJ UHJOHUDU GHQ VLWXDWLRQ QlU HQ I|UVlNULQJVI|UPHGODUH KDU

opaginerad I|UIDWWQLQJVNRPPHQWDUHQ WLOO GHQ SDUDJUDIHQ Kontrollera mot PDF

HOOHU NDQ YlQWDV NRPPD DWW In QlUD I|UELQGHOVHU PHG QnJRQ DQQDQ , GHVVD IDOO InU WLOOVWnQG JHV EDUD RP GH QlUD I|UELQGHOVHUQD LQWH KLQGUDU HQ HIIHNWLY WLOOV\Q DY I|UVlNULQJVI|UPHGODUHQ VH DUWLNHO L I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW 1lUD I|UELQGHOVHU GHILQLHUDV L NDS † Sn VDPPD VlWW VRP L NDS † I|UVlNULQJVU|UHOVHODJHQ (QOLJW GHILQLWLRQHQ L I|UVlNULQJVU|UHOVHODJHQ NDQ QlUD I|UELQGHOVHU lYHQ I|UHOLJJD RP HQ DQQDQ I\VLVN SHUVRQ KDU HQ DQQDQ OLNDUWDG I|UELQGHOVH PHG I|UVlNULQJV I|UPHGODUHQ YLONHW NDQ DYVH lYHQ I|UVlNULQJVI|UPHGODUH VRP lU I\VLVND SHUVRQHU 9DG VRP DYVHV PHG DQQDQ OLNDUWDG I|UELQGHOVH InU \WWHUVW DY J|UDV L UlWWVWLOOlPSQLQJHQ 0RWVYDUDQGH NUDY ILQQV lYHQ L DQGUD ODJDU Sn ILQDQVPDUNQDGVRPUnGHW VH W H[ NDS † IMlUGH VW\FNHW ODJHQ > @ RP EDQN RFK ILQDQVLHULQJVU|UHOVH 2P QlUD I|UELQGHOVHU KLQGUDU HQ HIIHNWLY WLOOV\Q DY I|UVlNULQJVI|UPHGODUHQ InU )LQDQVLQVSHN WLRQHQ I|UHOlJJD LQQHKDYDUH DY DNWLHU HOOHU DQGHODU DWW DY\WWUD Vn VWRU GHO DY DNWLHUQD HOOHU DQGHODUQD DWW Vn LQWH OlQJUH lU IDOOHW VH NDS † RFK

I|UIDWWQLQJVNRPPHQWDUHQ WLOO GHQ SDUDJUDIHQ

, andra stycket ILQQV HWW XQGDQWDJ IUnQ NUDYHW Sn DQVYDUVI|UVlNULQJ 8QGDQWDJHW RPIDWWDU DQNQXWQD I|UVlNULQJVI|UPHGODUH VH NDS † VRP VND GLVWULEXHUD I|UVlNULQJVEDVHUDGH SURGXNWHU HOOHU VnGDQD SHQVLRQV I|UVlNULQJDU VRP DYVHV L NDS † )|U GHVVD I|UPHGODUH JlOOHU DOOWVn WLOOVWnQGVSOLNW MIU † DQGUD VW\FNHW PHQ LQWH QnJRW NUDY Sn DQVYDUV I|UVlNULQJ

gYHUYlJDQGHQD ILQQV L DYVQLWWHQ ±

)|UXWVlWWQLQJDU I|U WLOOVWnQG I|U HQ MXULGLVN SHUVRQ †

3DUDJUDIHQ JHQRPI|U GHOYLV DUWLNODUQD RFK ± L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

3DUDJUDIHQ PRWVYDUDU NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ 3DUDJUDIHQ LQQHKnOOHU GH NUDY VRP JlOOHU I|U DWW HQ MXULGLVN SHUVRQ VND

In WLOOVWnQG DWW EHGULYD I|UVlNULQJVGLVWULEXWLRQ

Första stycket 1 PRWVYDUDU NDS † I|UVWD VW\FNHW ODJHQ RP I|UVlN ULQJVI|UPHGOLQJ RFK DYVHU NUDY VRP ILQQV L DUWLNHO L I|UVlNULQJV

GLVWULEXWLRQVGLUHNWLYHW

'HQ MXULGLVND SHUVRQHQ VND HQOLJW punkt 2 VRP PRWVYDUDU NDS † I|UVWD VW\FNHW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ RPIDWWDV DY HQ I|UVlN ULQJ I|U VNDGHVWnQGVVN\OGLJKHW VRP NDQ nOlJJDV GHQQD RP GHQ nVLGRVlWWHU VLQD VN\OGLJKHWHU 6H † I|UVWD VW\FNHW RFK I|UIDWWQLQJVNRPPHQWDUHQ

WLOO GHQ SDUDJUDIHQ

Punkt 3 PRWVYDUDU L DOOW YlVHQWOLJW NDS † I|UVWD VW\FNHW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ 9LOND VRP L GHW HQVNLOGD IDOOHW VND DQVHV LQJn L GHQ MXULGLVND SHUVRQHQV OHGQLQJ InU DYJ|UDV XWLIUnQ DVVRFLDWLRQVUlWWVOLJD UHJOHU RFK E|U SUHFLVHUDV QlUPDUH L I|UHVNULIWHU VRP PHGGHODV DY UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU VH †

.UDYHW Sn DWW SHUVRQHU L OHGQLQJHQ VND KD WLOOUlFNOLJ LQVLNW RFK HUIDUHQKHW I|U DWW GHOWD L OHGQLQJHQ DY HWW I|UVlNULQJVI|UPHGOLQJVI|UHWDJ lU GHOYLV XWIRUPDW HIWHU I|UHELOG DY PRWVYDUDQGH EHVWlPPHOVHU L ODJHQ RP EDQN RFK ILQDQVLHULQJVU|UHOVH NDS † I|UVWD VW\FNHW RFK I|UVlNULQJV U|UHOVHODJHQ NDS † I|UVWD VW\FNHW 3n VDPPD VlWW VRP QlU GHW

JlOOHU EDQNHU RFK I|UVlNULQJVI|UHWDJ LQQHElU NUDYHW DWW GHW DY GHQ VRP

opaginerad HUIDUHQKHW VRP VND NUlYDV † Kontrollera mot PDF

LQJnU L HQ I|UVlNULQJVI|UPHGODUHV OHGQLQJ E|U IRUGUDV HWW WLOOUlFNOLJW NXQQDQGH Sn RPUnGHW HOOHU L YDUW IDOO I|UPnJD DWW VNDIID VLJ VnGDQ NXQVNDS 9LVV HUIDUHQKHW DY QlULQJVYHUNVDPKHW HOOHU IUnQ QnJRW DQQDW RPUnGH DY EHW\GHOVH I|U XSSJLIWHQ E|U RFNVn I|UXWVlWWDV 9LGDUH E|U GHQ VRP LQJnU L OHGQLQJHQ KD GHQ RPG|PHVJLOOKHW VRP XSSJLIWHQ NUlYHU MIU SURS V 5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU PHGGHOD I|UHVNULIWHU RP YLONHQ LQVLNW RFK

HUIDUHQKHW VRP VND NUlYDV †

$Y punkt 4 I|OMHU DWW DQVWlOOGD VRP VND GLVWULEXHUD I|UVlNULQJDU I|U GHQ MXULGLVND SHUVRQHQV UlNQLQJ VND XSSI\OOD IOHUWDOHW DY GH I|UXWVlWWQLQJDU I|U WLOOVWnQG VRP JlOOHU I|U HQ I\VLVN SHUVRQ

Punkt 5 PRWVYDUDU † I|UVWD VW\FNHW VH I|UIDWWQLQJVNRPPHQWDUHQ WLOO

GHQ SDUDJUDIHQ

Andra stycket PRWVYDUDU NDS † DQGUD VW\FNHW ODJHQ RP I|UVlNULQJV I|UPHGOLQJ 'HQ MXULGLVND SHUVRQHQ VND NRQWUROOHUD DWW GH DQVWlOOGD XSS I\OOHU NUDYHQ 5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlP PHU InU PHGGHOD I|UHVNULIWHU RP YDG GHQ MXULGLVND SHUVRQHQ VND LDNWWD YLG NRQWUROOHQ † 6H lYHQ † RFK I|UIDWWQLQJVNRPPHQWDUHQ WLOO GHQ

SDUDJUDIHQ

, tredje stycket ILQQV HWW XQGDQWDJ IUnQ NUDYHW Sn DQVYDUVI|UVlNULQJ 8QGDQWDJHW RPIDWWDU DQNQXWQD I|UVlNULQJVI|UPHGODUH VH NDS † VRP VND GLVWULEXHUD I|UVlNULQJVEDVHUDGH SURGXNWHU HOOHU VnGDQD SHQVLRQV I|UVlNULQJDU VRP DYVHV L NDS † )|U GHVVD I|UPHGODUH JlOOHU DOOWVn WLOOVWnQGVSOLNW MIU † DQGUD VW\FNHW PHQ LQWH QnJRW NUDY Sn DQVYDUV I|UVlNULQJ

gYHUYlJDQGHQD ILQQV L DYVQLWWHQ RFK ±

9LVVD EHVWlPPHOVHU RP I|UVlNULQJVI|UHWDJ †

3DUDJUDIHQ JHQRPI|U GHOYLV DUWLNHO ± L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW

3DUDJUDIHQ VRP LQWH KDU QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJV I|UPHGOLQJ LQQHKnOOHU NUDY VRP JlOOHU I|U DQVWlOOGD L I|UVlNULQJVI|UHWDJ

VRP VND GLVWULEXHUD I|UVlNULQJDU I|U I|UHWDJHWV UlNQLQJ

6nGDQD DQVWlOOGD VND HQOLJW första stycket XSSI\OOD NUDYHQ L † I|UVWD VW\FNHW ± VH I|UIDWWQLQJVNRPPHQWDUHQ WLOO GHQ SDUDJUDIHQ 'HWWD I|OMHU

DY DUWLNHO ± L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

(QOLJW andra stycket lU GHW I|UVlNULQJVI|UHWDJHW VRP VND NRQWUROOHUD DWW GH DQVWlOOGD XSSI\OOHU NUDYHQ 6N\OGLJKHWHQ DWW NRQWUROOHUD GH DQVWlOOGD PRWVYDUDU GHQ VN\OGLJKHW VRP I|UVlNULQJVI|UPHGODUH VRP lU MXULGLVND SHUVRQHU KDU QlU GHW JlOOHU VLQD DQVWlOOGD HQOLJW † DQGUD VW\FNHW VH I|UIDWWQLQJVNRPPHQWDUHQ WLOO GHQ SDUDJUDIHQ

gYHUYlJDQGHQD ILQQV L DYVQLWWHQ RFK

†

3DUDJUDIHQ JHQRPI|U KXYXGVDNOLJHQ DUWLNHO IHPWH VW\FNHW RFK WUHGMH VW\FNHW L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

3DUDJUDIHQ VRP LQWH KDU QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJV I|UPHGOLQJ LQQHElU DWW lYHQ OHGQLQJHQ I|U I|UVlNULQJVI|UHWDJ RPIDWWDV DY

opaginerad DY I|UVlNULQJVGLVWULEXWLRQ 7LOOV\Q |YHU I|UVlNULQJVI|UHWDJ EHKDQGODV L DYVQLWW gYHUYlJDQGHQD ILQQV L DYVQLWW Kontrollera mot PDF

NUDYHQ Sn JRG YDQGHO VDPW NXQVNDS RFK NRPSHWHQV 1lU GHW JlOOHU MXULGLVND SHUVRQHU InU PHG GHW VHQDUH DQVHV LQQHElUD HWW NUDY Sn WLOOUlFN OLJ LQVLNW RFK HUIDUHQKHW I|U DWW GHOWD L OHGQLQJHQ DY HQ MXULGLVN SHUVRQ 'H VRP LQJnU L OHGQLQJHQ I|U HWW I|UVlNULQJVI|UHWDJ lU UHGDQ I|UHPnO I|U OHGQLQJVSU|YQLQJ HQOLJW I|UVlNULQJVU|UHOVHODJHQ NDS † I|UVWD VW\FNHW /HGQLQJVSU|YQLQJHQ HQOLJW GHQQD ODJ lU HPHOOHUWLG QnJRW DQQRUOXQGD RFK LQQHIDWWDU EO D HQ EHG|PQLQJ DY LQVLNWHU RFK HUIDUHQKHWHU

DY I|UVlNULQJVGLVWULEXWLRQ 7LOOV\Q |YHU I|UVlNULQJVI|UHWDJ EHKDQGODV L DYVQLWW gYHUYlJDQGHQD ILQQV L DYVQLWW

9HUNVDPKHW PHG VLGRWLOOVWnQG †

3DUDJUDIHQ PRWVYDUDU L KXYXGVDN NDS † ODJHQ RP I|UVlNULQJV I|UPHGOLQJ

3DUDJUDIHQ LQQHKnOOHU EHVWlPPHOVHU RP WLOOVWnQG I|U VLGRYHUNVDPKHW

VRP LQWH UHJOHUDV L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

$Y första stycket I|OMHU DWW HQ I|UVlNULQJVI|UPHGODUH HIWHU WLOOVWnQG DY )LQDQVLQVSHNWLRQHQ InU XW|YD VLGRYHUNVDPKHW L IRUP DY LQYHVWHULQJVUnG JLYQLQJ RP DQGHODU L YLVVD IRQGHU (WW VnGDQW WLOOVWnQG InU WLOO VNLOOQDG IUnQ HWW WLOOVWnQG I|U VLGRYHUNVDPKHW HQOLJW ODJHQ RP I|UVlNULQJVI|UPHG OLQJ HQGDVW DYVH LQYHVWHULQJVUnGJLYQLQJ RP IRQGDQGHODU VRP VND LQJn VRP WLOOJnQJDU L HQ IRQG HOOHU GHSnI|UVlNULQJ 2PIDWWQLQJHQ DY HWW VnGDQW VLGRWLOOVWnQG UHJOHUDV L NDS † I|UVWD VW\FNHW ODJHQ RP YlUGH

SDSSHUVPDUNQDGHQ VH I|UIDWWQLQJVNRPPHQWDUHQ WLOO GHQ SDUDJUDIHQ Andra stycket LQQHElU DWW GH NUDY VRP VND YDUD XSSI\OOGD I|U WLOOVWnQG

I|U I|UVlNULQJVGLVWULEXWLRQ JlOOHU lYHQ I|U HWW VLGRWLOOVWnQG gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ PRWVYDUDU NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ 3DUDJUDIHQ LQQHKnOOHU NUDY Sn UHJLVWUHULQJ DY HWW VLGRWLOOVWnQG HQOLJW

† 2P UHJLVWUHULQJ LQWH VNHU XSSK|U WLOOVWnQGHW DWW JlOOD 9HUNVDPKHW PHG

VLGRWLOOVWnQG InU LQWH SnE|UMDV LQQDQ UHJLVWUHULQJ VNHWW -IU † RFK I|UIDWW QLQJVNRPPHQWDUHQ WLOO GHQ SDUDJUDIHQ

(WW VLGRWLOOVWnQG HQOLJW † KDU LQWH VDPPD RPIDWWQLQJ VRP HWW VLGR WLOOVWnQG HQOLJW NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ )|UHYDUDQGH VLGRWLOOVWnQG RPIDWWDU HQGDVW HQ UlWW DWW OlPQD LQYHVWHULQJVUnGJLYQLQJ RP IRQGDQGHODU VRP VND LQJn VRP WLOOJnQJDU L HQ I|UVlNULQJ /LNVRP L GDJ PHGI|U UHJLVWUHULQJ DY VLGRWLOOVWnQG LQWH DWW I|UVlNULQJVI|UPHGODUHQ InU EHGULYD VnGDQ YHUNVDPKHW lYHQ XWDQI|U 6YHULJH VH SURS V RFK DUWLNHO L 0L),' ,,

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ PRWVYDUDU GHOYLV NDS † IMlUGH VW\FNHW ODJHQ RP I|UVlN

ULQJVI|UPHGOLQJ 3DUDJUDIHQ JHQRPI|U DUWLNHO I|UVWD VW\FNHW L

0L),' ,,

opaginerad gYHUYlJDQGHQD ILQQV L DYVQLWWHQ Kontrollera mot PDF

3DUDJUDIHQ LQQHElU DWW XW|YHU I|UHYDUDQGH ODJ JlOOHU lYHQ YLVVD EHVWlPPHOVHU L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ L O\GHOVHQ HQOLJW SURS L WLOOlPSOLJD GHODU I|U YHUNVDPKHW VRP EHGULYV PHG VW|G DY VLGRWLOOVWnQG HQOLJW † bYHQ I|UHVNULIWHU VRP PHGGHODV PHG VW|G DY EHP\QGLJDQGHW L † VND JlOOD I|U GHQ YHUNVDPKHWHQ VRP EHGULYV PHG VW|G DY VLGRWLOOVWnQG

gYHUYlJDQGHQD ILQQV L DYVQLWWHQ

†

3DUDJUDIHQ PRWVYDUDU NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ 3DUDJUDIHQ LQQHElU DWW )LQDQVLQVSHNWLRQHQ InU I|UEMXGD HQ I|UVlNULQJV

I|UPHGODUH DWW XW|YD YLVV VLGRYHUNVDPKHW RP GHW ILQQV VlUVNLOGD VNlO )LQDQVLQVSHNWLRQHQV P|MOLJKHW DWW PHG VW|G DY SDUDJUDIHQ I|UEMXGD HQ

I|UVlNULQJVI|UPHGODUH DWW XW|YD YLVV YHUNVDPKHW RPIDWWDU HQGDVW VLGR YHUNVDPKHW LQWH I|UPHGODUHQV KXYXGYHUNVDPKHW I|UVlNULQJVGLVWULEXWLRQ VH SURS V I 6lUVNLOGD VNlO DWW I|UEMXGD HQ VLGRYHUN VDPKHW NDQ H[HPSHOYLV YDUD DWW VLGRYHUNVDPKHWHQ PHGI|U EHW\GDQGH ULVNHU I|U YHUNVDPKHWHQ PHG I|UVlNULQJVGLVWULEXWLRQ HOOHU DWW GHQ OHGHU WLOO RNODUKHWHU QlU GHW JlOOHU DQVYDU RFK WLOOV\Q

gYHUYlJDQGHQD ILQQV L DYVQLWW

%HP\QGLJDQGHQ

†

3DUDJUDIHQ VRP PRWVYDUDU NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ LQQHKnOOHU EHP\QGLJDQGH I|U UHJHULQJHQ DWW PHGGHOD I|UHVNULIWHU RP GHQ GHO DY YDQGHOVSU|YQLQJHQ VRP DYVHU NRQWUROO DY I|UHNRPVW L GHW UHJLVWHU VRP I|UV HQOLJW ODJHQ RP EHODVWQLQJVUHJLVWHU (Q VNLOOQDG L I|UKnOODQGH WLOO ODJHQ RP I|UVlNULQJVI|UPHGOLQJ lU DWW lYHQ I|UVlNULQJVI|UHWDJ RPIDWWDV DY I|UHYDUDQGH ODJ

.UDYHW Sn UHJLVWHUNRQWUROO I|OMHU DY DUWLNHO L I|UVlNULQJVGLVWULEX WLRQVGLUHNWLYHW $Y I|UHVNULIWHUQD E|U GHW IUDPJn YLOND HQVNLOGD EURWW VRP UHJLVWHUNRQWUROOHQ VND DYVH YDG VRP I|U HQ HQVNLOG EURWWVW\S VND DQVHV XWJ|UD HWW DOOYDUOLJW EURWW RFK YLONHQ WLGVSHULRG VRP VND NRQWUROOHUDV , I|UHVNULIWHUQD E|U GHW YLGDUH W\GOLJW UHJOHUDV KXU UHJLVWHUNRQWUROOHQ VND Jn WLOO VH lYHQ RFK †† RFK I|UIDWWQLQJVNRPPHQWDUHUQD WLOO GH SDUDJUDIHUQD

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

, SDUDJUDIHQ VRP GHOYLV PRWVYDUDU NDS † ODJHQ RP I|UVlNULQJV I|UPHGOLQJ ILQQV EHP\QGLJDQGHQ I|U UHJHULQJHQ HOOHU GHQ P\QGLJKHW

VRP UHJHULQJHQ EHVWlPPHU DWW PHGGHOD I|UHVNULIWHU

(QOLJW punkt 1 InU I|UHVNULIWHU PHGGHODV RP YDG HQ DQV|NDQ RP WLOOVWnQG HQOLJW † HOOHU NDS † RFK HQ DQPlODQ RP UHJLVWUHULQJ HQOLJW HOOHU † VND LQQHKnOOD

, punkt 2 ILQQV HWW EHP\QGLJDQGH DWW PHGGHOD I|UHVNULIWHU RP YDG I|UVlNULQJVI|UHWDJ UHVSHNWLYH HQ DQQDQ DQPlODUH YDQOLJWYLV HQ DQQDQ

I|UVlNULQJVI|UPHGODUH VND LDNWWD YLG NRQWUROOHQ DY DQNQXWQD VLGRYHUN

opaginerad JUDIHQ Kontrollera mot PDF

VDPPD I|UVlNULQJVI|UPHGODUH HOOHU DQNQXWQD I|UVlNULQJVI|UPHGODUH YLG DQPlODQ DY GHVVD I|UPHGODUH I|U UHJLVWUHULQJ KRV %RODJVYHUNHW )UnJDQ RP YLOND XSSJLIWHU VRP I|UVlNULQJVI|UHWDJHW UHVSHNWLYH I|UVlNULQJVI|U PHGODUHQ KDU L GHWWD DYVHHQGH EHU|UV L DYVQLWW )|UHVNULIWHU VRP PHGGHODV PHG VW|G DY GHQQD SXQNW E|U LQWH DYVH EDUD VMlOYD DQPlO QLQJVI|UIDUDQGHW XWDQ lYHQ YDG DQPlODUHQ VND LDNWWD LQQDQ HQ DQPlODQ J|UV W H[ YLG NRQWUROOHQ DY DQNQXWQD I|UVlNULQJVI|UPHGODUHV NYDOLILND WLRQHU 1lU GHW VlUVNLOW JlOOHU NRQWUROOHQ DY RP HQ SHUVRQ I|UHNRPPHU L EHODVWQLQJVUHJLVWUHW VH † RFK I|UIDWWQLQJVNRPPHQWDUHQ WLOO GHQ SDUD

JUDIHQ

Punkt 3 PRWVYDUDU EHP\QGLJDQGHW L NDS † ODJHQ RP I|UVlNULQJV I|UPHGOLQJ DWW PHGGHOD I|UHVNULIWHU RP YDG VRP VND DYVHV PHG VN|W

VDPKHW L HNRQRPLVND DQJHOlJHQKHWHU

, punkt 4 ILQQV HWW EHP\QGLJDQGH DWW PHGGHOD I|UHVNULIWHU RP YLONHQ NXQVNDS RFK NRPSHWHQV VDPW IRUWO|SDQGH IRUWELOGQLQJ RFK \UNHVXWYHFN OLQJ VRP NUlYV %HP\QGLJDQGHW KDU QlU GHW JlOOHU NXQVNDS RFK NRPSH WHQV VLQ PRWVYDULJKHW L NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ 0HG DQOHGQLQJ DY NUDYHW L DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RPIDWWDU EHP\QGLJDQGHW L SXQNWHQ lYHQ IRUWO|SDQGH IRUWELOGQLQJ RFK \UNHVXWYHFNOLQJ VH † RFK I|UIDWWQLQJVNRPPHQWDUHQ WLOO GHQ SDUD JUDIHQ %HP\QGLJDQGHW DYVHU lYHQ GH XWELOGQLQJVNUDY VRP VND JlOOD QlU

I|UVlNULQJVI|UPHGODUH EHGULYHU YHUNVDPKHW PHG VLGRWLOOVWnQG HQOLJW † Punkt 5 DYVHU I|UHVNULIWHU RP DQVYDUVI|UVlNULQJ (WW PRWVYDUDQGH EHP\QGLJDQGH ILQQV L NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ )|U DWW XSSI\OOD GH NUDY VRP I|OMHU DY DUWLNHO L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW NUlYV I|UHVNULIWHU PHG \WWHUOLJDUH EHVWlPPHOVHU RP DQVYDUV

I|UVlNULQJ

, punkt 6 ILQQV HWW EHP\QGLJDQGH DWW PHGGHOD I|UHVNULIWHU RP YDG VRP VND DYVHV PHG L |YULJW OlPSOLJ DWW XW|YD YHUNVDPKHW RFK L |YULJW OlPSOLJ DWW LQJn L OHGQLQJHQ L HWW I|UHWDJ )UnJDQ RP YDG VRP E|U DYVHV PHG GHW EHKDQGODV L DYVQLWW 6H lYHQ RFK †† RFK I|UIDWWQLQJVNRP

PHQWDUHUQD WLOO GH SDUDJUDIHUQD

Punkt 7 DYVHU GHQ LQVLNW RFK HUIDUHQKHW VRP VND NUlYDV RFK PRWVYDUDU NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ .UDYHW Sn LQVLNW RFK NRPSHWHQV EHKDQGODV L I|UIDWWQLQJVNRPPHQWDUHQ WLOO † I|UVWD VW\FNHW VH lYHQ SXQNW QlU GHW JlOOHU NUDYHW Sn DWW YDUD lYHQ L |YULJW OlPSOLJ DWW

LQJn L OHGQLQJHQ

Punkt 8 LQQHKnOOHU HWW EHP\QGLJDQGH DWW PHGGHOD I|UHVNULIWHU RP YDG VRP VND DYVHV PHG GHQ VRP VND LQJn L GHQ MXULGLVND SHUVRQHQV OHGQLQJ HOOHU YDUD HUVlWWDUH I|U GHQQH , VnGDQD I|UHVNULIWHU NDQ GHQ NUHWV DY SHUVRQHU VRP E|U DQVHV LQJn L OHGQLQJHQ DYJUlQVDV

.RQWUROOHQ DY DWW DQVWlOOGD KRV HQ I|UVlNULQJVI|UPHGODUH XSSI\OOHU I|UXWVlWWQLQJDUQD I|U WLOOVWnQG I|U HQ I\VLVN SHUVRQ VND VN|WDV DY

I|UVlNULQJVI|UPHGODUHQ VMlOY HQOLJW † DQGUD VW\FNHW *HQRP EHP\QGLJ DQGHW L punkt 9 NDQ I|UHVNULIWHU PHGGHODV RP YDG I|UVlNULQJVI|UPHGODUHQ VND LDNWWD YLG GHQQD NRQWUROO 1lU GHW VlUVNLOW JlOOHU NRQWUROOHQ DY RP GHQ DQVWlOOGH I|UHNRPPHU L EHODVWQLQJVUHJLVWUHW VH † RFK I|UIDWWQLQJV NRPPHQWDUHQ WLOO GHQ SDUDJUDIHQ 3XQNWHQ PRWVYDUDU NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ

Punkt 10 LQQHKnOOHU HWW EHP\QGLJDQGH DWW PHGGHOD I|UHVNULIWHU VRP

LQQHElU DWW PRWVYDUDQGH EHVWlPPHOVHU NDQ JlOOD QlU HQ I|UVlNULQJV

opaginerad gYHUYlJDQGHQD ILQQV L DYVQLWWHQ RFK Kontrollera mot PDF

I|UPHGODUH XWI|U LQYHVWHULQJVUnGJLYQLQJ PHG VW|G DY HWW VLGRWLOOVWnQG VRP GHP VRP JlOOHU I|U HWW YlUGHSDSSHUVLQVWLWXW HQOLJW GHW GHOHJHUDGH GLUHN WLYHW WLOO 0L),' ,, RFK GHQ GHOHJHUDGH I|URUGQLQJHQ WLOO 0L),' ,, L GH GHODU VRP U|U GH SDUDJUDIHUQD VRP DQJHV L † MIU NDS † RFK NDS † ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ L O\GHOVHQ HQOLJW SURS 0HG VW|G DY EHP\QGLJDQGHW L SDUDJUDIHQ NDQ lYHQ DQGUD I|UHVNULIWHU PHGGHODV DYVHHQGH GH WLOOlPSOLJD EHVWlPPHOVHUQD L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ

gYHUYlJDQGHQD ILQQV L DYVQLWWHQ RFK

NDS 9HUNVDPKHW |YHU JUlQVHUQD

8WOlQGVND I|UVlNULQJVI|UPHGODUHV YHUNVDPKHW L 6YHULJH †

3DUDJUDIHQ JHQRPI|U GHOYLV DUWLNODUQD RFK L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW

3DUDJUDIHQ PRWVYDUDU GHOYLV NDS † ODJHQ RP I|UVlNULQJVI|UPHG OLQJ

3DUDJUDIHQ LQQHKnOOHU EHVWlPPHOVHU RP UlWW I|U XWOlQGVND I|UVlNULQJV I|UPHGODUH PHG KHPYLVW L HWW DQQDW ODQG LQRP ((6 DWW EHGULYD YHUN VDPKHW L 6YHULJH RFK GHW I|UIDUDQGH VRP JlOOHU QlU HQ VnGDQ I|UVlNULQJV

I|UPHGODUH XW|YDU GHQQD UlWW

, första stycket DQJHV GH NUDY VRP VND YDUD XSSI\OOGD I|U DWW HQ ((6 I|UVlNULQJVI|UPHGODUH VND In EHGULYD I|UVlNULQJVGLVWULEXWLRQ L 6YHULJH XWDQ DWW LQUlWWD ILOLDO SXQNW UHVSHNWLYH IUnQ ILOLDO KlU L ODQGHW SXQNW

VH DUWLNODUQD RFK L I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW

, andra RFK tredje styckena ILQQV KDQGOLQJVUHJOHU I|U )LQDQVLQVSHN WLRQHQ ,QVSHNWLRQHQ DQVYDUDU I|U DWW XSSO\VD GH ((6 I|UVlNULQJVI|UPHG ODUH VRP YLOO EHGULYD YHUNVDPKHW L 6YHULJH RP GH EHVWlPPHOVHU VRP JlOOHU I|U YHUNVDPKHWHQ KlU L ODQGHW 'HW I|OMHU DY DUWLNHO L I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW DWW VnGDQD EHVWlPPHOVHU VND RIIHQWOLJJ|UDV Sn OlPSOLJW VlWW )LQDQVLQVSHNWLRQHQ NDQ DOOWVn YlOMD DWW XSSO\VD ((6 I|UVlN ULQJVI|UPHGODUH RP YDU LQIRUPDWLRQ RP GHVVD EHVWlPPHOVHU ILQQV DWW WLOOJn HOOHU DWW XWWU\FNOLJHQ XSSO\VD RP LQQHKnOOHW L GHP L YDUMH HQVNLOW IDOO 8SSO\VQLQJHQ VND DOOWLG OlPQDV WLOO GHQ EHK|ULJD P\QGLJKHWHQ L KHPODQGHW 'LUHNWLYHW I|UXWVlWWHU DWW LQIRUPDWLRQHQ GlUHIWHU YLGDUH EHIRUGUDV DY GHQ EHK|ULJD P\QGLJKHWHQ WLOO I|UVlNULQJVI|UPHGODUHQ DUWLNODUQD RFK DQGUD VW\FNHW .UDYHW L WUHGMH VW\FNHW DWW )LQDQV LQVSHNWLRQHQ VQDUDVW VND EHNUlIWD PRWWDJDQGHW DY HQ XQGHUUlWWHOVH JHQRPI|U NUDYHW L GLUHNWLYHW Sn DWW GHQ EHK|ULJD P\QGLJKHWHQ L YlUG ODQGHW VND EHNUlIWD HQ XQGHUUlWWHOVH XWDQ GU|MVPnO

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U GHOYLV DUWLNODUQD RFK L I|UVlNULQJVGLVWUL EXWLRQVGLUHNWLYHW

3DUDJUDIHQ VRP VDNQDU PRWVYDULJKHW L ODJHQ RP I|UVlNULQJVI|UPHG OLQJ LQQHKnOOHU NUDY Sn YLOND XSSJLIWHU VRP VND ILQQDV PHG L HQ XQGHU

opaginerad gYHUYlJDQGHQD ILQQV L DYVQLWW Kontrollera mot PDF

UlWWHOVH RP DYVLNW DWW EHGULYD I|UVlNULQJVGLVWULEXWLRQ JHQRP DWW LQUlWWD ILOLDO HOOHU JHQRP DWW WLOOKDQGDKnOOD WMlQVWHU L 6YHULJH

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ PRWVYDUDU NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ 3DUDJUDIHQ LQQHElU DWW I|UVlNULQJVI|UPHGODUH IUnQ HWW ODQG XWDQI|U ((6

WUHGMHODQG HIWHU WLOOVWnQG IUnQ )LQDQVLQVSHNWLRQHQ InU EHGULYD I|UVlN ULQJVGLVWULEXWLRQ L 6YHULJH IUnQ HQ ILOLDO

$Y KlQYLVQLQJHQ WLOO NDS HOOHU † I|OMHU DWW GHW VWlOOV PRWVYDUDQGH NUDY Sn I|UVlNULQJVI|UPHGODUH IUnQ WUHGMHODQG I|U DWW In WLOOVWnQG VRP GHP VRP VWlOOV Sn VYHQVND I|UVlNULQJVI|UPHGODUH %HVWlPPHOVHU RP UHJLVWUH ULQJ DY I|UVlNULQJVI|UPHGODUH KRV %RODJVYHUNHW ILQQV L †

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ PRWVYDUDU NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ 3DUDJUDIHQ LQQHElU DWW WLOOVWnQG I|U HQ ILOLDO WLOO HQ I|UVlNULQJVI|U

PHGODUH IUnQ WUHGMHODQG InU EHJUlQVDV WLOO DWW DYVH YLVVD VODJ DY I|UVlNULQJ HOOHU YLVVD I|UVlNULQJVNODVVHU Sn VDPPD VlWW VRP I|U VYHQVND I|UVlNULQJV I|UPHGODUH HQOLJW NDS † VH I|UIDWWQLQJVNRPPHQWDUHQ WLOO GHQ SDUD JUDIHQ

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ PRWVYDUDU NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ 3DUDJUDIHQ LQQHElU DWW I|UVlNULQJVI|UPHGODUH IUnQ WUHGMHODQG VRP KDU

InWW WLOOVWnQG HQOLJW † VND DQPlOD VLJ I|U UHJLVWUHULQJ KRV %RODJVYHUNHW Sn PRWVYDUDQGH VlWW VRP VYHQVND I|UVlNULQJVI|UPHGODUH HQOLJW NDS † VH I|UIDWWQLQJVNRPPHQWDUHQ WLOO GHQ SDUDJUDIHQ

gYHUYlJDQGHQD ILQQV L DYVQLWW

6YHQVND I|UVlNULQJVI|UPHGODUHV YHUNVDPKHW XWRPODQGV †

3DUDJUDIHQ JHQRPI|U GHOYLV DUWLNHO RFK L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW

3DUDJUDIHQ PRWVYDUDU GHOYLV NDS † ODJHQ RP I|UVlNULQJVI|UPHG OLQJ

3DUDJUDIHQ UHJOHUDU I|UXWVlWWQLQJDUQD RFK SURFHGXUHQ I|U VYHQVND I|UVlNULQJVI|UPHGODUH VRP YLOO EHGULYD I|UVlNULQJVGLVWULEXWLRQ L HWW DQQDW ODQG LQRP ((6 XWDQ DWW LQUlWWD ILOLDO GlU 'HQ lU XWIRUPDG HIWHU I|UHELOG DY PRWVYDUDQGH EHVWlPPHOVHU L ODJHQ RP YlUGHSDSSHUVIRQGHU MIU NDS RFK D †† VH SURS

gYHUYlJDQGHQD ILQQV L DYVQLWW

opaginerad RFK†† Kontrollera mot PDF

RFK††

3DUDJUDIHUQD JHQRPI|U GHOYLV DUWLNHO ± L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW

3DUDJUDIHUQD PRWVYDUDU GHOYLV NDS † ODJHQ RP I|UVlNULQJVI|UPHG OLQJ

3DUDJUDIHUQD UHJOHUDU I|UXWVlWWQLQJDUQD RFK SURFHGXUHQ I|U VYHQVND I|UVlNULQJVI|UPHGODUH VRP YLOO EHGULYD I|UVlNULQJVGLVWULEXWLRQ L HWW DQQDW ODQG LQRP ((6 JHQRP LQUlWWDQGH DY ILOLDO 'H lU XWIRUPDGH HIWHU I|UHELOG DY PRWVYDUDQGH EHVWlPPHOVHU L ODJHQ RP YlUGHSDSSHUVIRQGHU NDS RFK †† VH SURS

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U DUWLNODUQD RFK L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW

3DUDJUDIHQ KDU LQWH QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJVI|UPHG OLQJ

3DUDJUDIHQ LQQHElU HQ VN\OGLJKHW I|U VYHQVND I|UVlNULQJVI|UPHGODUH VRP EHGULYHU I|UVlNULQJVGLVWULEXWLRQ L HWW DQQDW ODQG LQRP ((6 DWW DQPlOD lQGULQJDU DY GH XSSJLIWHU VRP GH KDU OlPQDW L HQ XQGHUUlWWHOVH

RP VLQ DYVLNW DWW EHGULYD YHUNVDPKHW L GHW ODQGHW

$Y första stycket I|OMHU DWW HQ XQGHUUlWWHOVH RP lQGULQJ VND J|UDV VNULIW OLJW RFK VHQDVW HQ PnQDG LQQDQ lQGULQJHQ JHQRPI|UV

Andra stycket LQQHElU DWW )LQDQVLQVSHNWLRQHQ VND LQIRUPHUD GHQ EHK|ULJD P\QGLJKHWHQ L YlUGODQGHW RP DQPlOGD lQGULQJDU 'HWWD VND VNH VN\QGVDPW RFK VHQDVW HQ PnQDG IUnQ GHQ GDJ XQGHUUlWWHOVHQ RP lQGULQJHQ WRJV HPRW

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ PRWVYDUDU GHOYLV NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ 3DUDJUDIHQ LQQHElU DWW )LQDQVLQVSHNWLRQHQ VND XQGHUUlWWD %RODJVYHUNHW RP DWW HQ VYHQVN I|UVlNULQJVI|UPHGODUH DYVHU DWW EHGULYD I|UVlNULQJV GLVWULEXWLRQ L HWW DQQDW ODQG LQRP ((6 HOOHU DWW HQ I|UVlNULQJVI|UPHGODUH

KDU DQPlOW lQGULQJ L HQ VnGDQ YHUNVDPKHW gYHUYlJDQGHQD ILQQV L DYVQLWW

NDS5HJOHUI|UYHUNVDPKHWHQ

†

3DUDJUDIHQ JHQRPI|U DUWLNODUQD RFK DQGUD VW\FNHW L I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW

3DUDJUDIHQ PRWVYDUDU GHOYLV NDS † ODJHQ RP I|UVlNULQJVI|UPHG

OLQJ

Första stycket PRWVYDUDU GHOYLV NDS † I|UVWD VW\FNHW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ RFK JHQRPI|U DUWLNHO L I|UVlNULQJVGLVWULEX WLRQVGLUHNWLYHW %HJUHSSHW JRG I|UVlNULQJVI|UPHGOLQJVVHG HUVlWWV PHG EH JUHSSHW JRG I|UVlNULQJVGLVWULEXWLRQVVWDQGDUG VRP JUXQGOlJJDQGH ODJ

VWDGJDG NYDOLWHWVQLYn I|U YHUNVDPKHWHQ 'lULJHQRP I|UW\GOLJDV DWW

opaginerad NRQIOLNW QlU GHW JlOOHU GHVVD WYn EHJUHSS Kontrollera mot PDF

I|UVlNULQJVGLVWULEXW|UHU VND KnOOD HQ NYDOLWDWLYW WLOOIUHGVVWlOODQGH VWDQGDUG L VLQ YHUNVDPKHW RFK DWW GHQQD VWDQGDUG VND VWn L |YHUHQVVWlPPHOVH PHG HQ IDNWLVNW I|UHNRPPDQGH SUD[LV KRV HQ UHSUHVHQWDWLY NUHWV DY I|UVlN ULQJVGLVWULEXW|UHU

%HJUHSSHW JRG I|UVlNULQJVGLVWULEXWLRQVVHG KDU VLQ I|UHELOG L EHJUHSSHW JRG I|UVlNULQJVVWDQGDUG VH NDS † I|UVlNULQJVU|UHOVHODJHQ )|U GH I|UVlNULQJVGLVWULEXW|UHU VRP lU I|UVlNULQJVI|UHWDJ JlOOHU NUDYHW Sn JRG

I|UVlNULQJVGLVWULEXWLRQVVWDQGDUG L GHQ YHUNVDPKHW VRP XWJ|U I|UVlNULQJV GLVWULEXWLRQ lex specialis , DOOPlQKHW WRUGH GHW LQWH XSSVWn QnJRQ QRUP

NRQIOLNW QlU GHW JlOOHU GHVVD WYn EHJUHSS

Andra stycket PRWVYDUDU NDS † DQGUD VW\FNHW I|UVWD PHQLQJHQ RFK WUHGMH VW\FNHW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ RFK JHQRPI|U DUWLNHO DQGUD VW\FNHW L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U DUWLNODUQD RFK L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW

3DUDJUDIHQ PRWVYDUDU GHOYLV NDS † DQGUD VW\FNHW ODJHQ RP I|UVlN ULQJVI|UPHGOLQJ

3DUDJUDIHQ JlOOHU I|U UnGJLYQLQJ VRP OlPQDV HIWHU GHW DWW I|UVlNULQJV I|UPHGODUHQ KDU LQIRUPHUDW HQ NXQG RP DWW UnGJLYQLQJHQ WLOO GHQQH VNHU

Sn JUXQGYDO DY HQ RSDUWLVN RFK SHUVRQOLJ DQDO\V

Första stycket PRWVYDUDU L KXYXGVDN NDS † DQGUD VW\FNHW DQGUD PHQLQJHQ ODJHQ RP I|UVlNULQJVI|UPHGOLQJ RFK JHQRPI|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 9LG EHG|PQLQJHQ DY KXUXYLGD DQWDOHW DYWDO RFK OHYHUDQW|UHU VRP I|UPHGODUHQ EHDNWDU lU WLOOUlFNOLJW VWRUW E|U KlQV\Q WDV WLOO EO D NXQGHQV EHKRY DQWDOHW OHYHUDQW|UHU Sn PDUNQDGHQ GHVVD OHYHUDQW|UHUV PDUNQDGVDQGHODU DQWDOHW UHOHYDQWD RFK WLOOJlQJOLJD I|UVlNULQJVSURGXNWHU KRV YDUMH OHYHUDQW|U RFK GHVVD SURGXNWHUV HJHQ VNDSHU VH VNlO WLOO GLUHNWLYHW

Andra stycket VRP LQWH KDU QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJV I|UPHGOLQJ JHQRPI|U L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW %HVWlP PHOVHQ VWlOOHU XSS VWUlQJDUH NUDY lQ GLUHNWLYHW L WYn DYVHHQGHQ 'HOV LQQHElU GHQ HWW I|UEXG I|U I|UVlNULQJVI|UPHGODUH DWW JUXQGD UnGJLYQLQJ VRP XSSJHV YDUD RSDUWLVN Sn HJQD HOOHU QlUVWnHQGH I|UHWDJV SURGXNWHU PHGDQ GHW HQOLJW GLUHNWLYHW HQGDVW NUlYDV DWW VnGDQ UnGJLYQLQJ LQWH HQEDUW InU JUXQGD VLJ Sn HJQD HOOHU QlUVWnHQGH I|UHWDJV SURGXNWHU 'HOV JlOOHU EHVWlPPHOVHQ DOO I|UVlNULQJVGLVWULEXWLRQ PHGDQ RSWLRQHQ L GLUHNWLYHW JlOOHU HQEDUW I|U GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJV

SURGXNWHU

Tredje stycket VRP LQWH KDU QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlN ULQJVI|UPHGOLQJ LQQHElU DWW UnGJLYQLQJ VRP OlPQDV Sn JUXQGYDO DY HQ RSDUWLVN RFK SHUVRQOLJ DQDO\V LQWH InU I|UHJnV HOOHU I|OMDV DY VnGDQ LQYHVW HULQJVUnGJLYQLQJ VRP LQWH OlPQDV Sn REHURHQGH JUXQG DYVHHQGH VDPPD I|UVlNULQJVDYWDO

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU PHG GHOD I|UHVNULIWHU RP YLOONRU I|U UnGJLYQLQJ VRP OlPQDV Sn JUXQGYDO DY HQ RSDUWLVN RFK SHUVRQOLJ DQDO\V †

gYHUYlJDQGHQD ILQQV L DYVQLWW

opaginerad 3DUDJUDIHQ JHQRPI|U DUWLNODUQD RFK L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW Kontrollera mot PDF

†

3DUDJUDIHQ JHQRPI|U DUWLNODUQD RFK L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW

3DUDJUDIHQ VRP LQWH KDU QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlN ULQJVI|UPHGOLQJ LQQHKnOOHU EHVWlPPHOVHU RP HUVlWWQLQJDU WLOO I|UVlN

ULQJVGLVWULEXW|UHU IUnQ QnJRQ DQQDQ lQ NXQGHQ

(QOLJW första stycket VRP JHQRPI|U DUWLNHO L I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW InU HQ I|UVlNULQJVGLVWULEXW|U LQWH WD HPRW HUVlWWQLQJ L VDPEDQG PHG I|UVlNULQJVGLVWULEXWLRQHQ IUnQ QnJRQ DQQDQ lQ NXQGHQ RP HUVlWWQLQJHQ NDQ PRWYHUND GLVWULEXW|UHQV P|MOLJKHWHU DWW XSSI\OOD VLQD VN\OGLJKHWHU HQOLJW † %HVWlPPHOVHQ LQQHElU HQ DYYLNHOVH L I|UKnOODQGH WLOO DUWLNHO L GLUHNWLYHW VRP DQJHU DWW HQ I|UVlNULQJVGLVWULEXW|U LQWH InU WD HPRW HUVlWWQLQJ VRP VWnU L VWULG PHG VN\OGLJKHWHQ DWW DJHUD L HQOLJKHW

PHG NXQGHUQDV ElVWD LQWUHVVH 1nJRQ lQGULQJ L VDN lU GRFN LQWH DYVHGG , andra stycket ILQQV HWW I|UEXG I|U I|UVlNULQJVI|UPHGODUH VRP OlPQDU

UnGJLYQLQJ RP I|UVlNULQJ Sn JUXQGYDO DY HQ RSDUWLVN RFK SHUVRQOLJ DQDO\V DWW WD HPRW RFK EHKnOOD HUVlWWQLQJ L VDPEDQG PHG I|UVlNULQJV

GLVWULEXWLRQHQ IUnQ QnJRQ DQQDQ lQ NXQGHQ

$Y EHVWlPPHOVHQ L tredje stycket I|OMHU DWW I|UEXGHW HQOLJW DQGUD VW\FNHW LQWH JlOOHU PLQGUH LFNH PRQHWlUD I|UPnQHU VRP I|UVlNULQJVI|UPHGODUHQ KDU LQIRUPHUDW NXQGHQ RP RFK VRP NDQ K|MD NYDOLWHWHQ Sn WMlQVWHQ WLOO NXQGHQ RFK VRP lU DY HQ VnGDQ RPIDWWQLQJ RFK DUW DWW GH LQWH NDQ DQVHV KLQGUD I|UPHGODUHQ IUnQ DWW XSSI\OOD VLQD VN\OGLJKHWHU HQOLJW †

%HVWlPPHOVHUQD L DQGUD RFK WUHGMH VW\FNHQD lU XWIRUPDGH HIWHU I|UHELOG DY PRWVYDUDQGH EHVWlPPHOVHU L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ L GHVV O\GHOVHU HQOLJW SURS

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU PHGGHOD I|UHVNULIWHU KXU HUVlWWQLQJ VND YDUD XWIRUPDG I|U DWW LQWH PRWYHUND DWW HQ I|UVlNULQJVGLVWULEXW|U XSSI\OOHU NUDYHQ L ††

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ KDU LQWH QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJVI|UPHG OLQJ

3DUDJUDIHQ LQQHKnOOHU UHJOHU VRP EHJUlQVDU I|UVlNULQJVI|UHPHGODUHV

P|MOLJKHWHU DWW PDUNQDGVI|UD ILQDQVLHOOD WMlQVWHU

, första stycket ILQQV HWW I|UEXG I|U I|UVlNULQJVI|UPHGODUH DWW PDUNQDGV I|UD DQGUD ILQDQVLHOOD WMlQVWHU RFK SURGXNWHU lQ GH VRP I|UPHGODUHQ KDU WLOOVWnQG DWW GLVWULEXHUD 0HG PDUNQDGVI|ULQJ DYVHV GHWVDPPD VRP L † PDUNQDGVI|ULQJVODJHQ 0HG ILQDQVLHOOD WMlQVWHU RFK DYVHV GHWVDPPD VRP L NDS ODJHQ RP GLVWDQVDYWDO RFK DYWDO XWDQI|U DIIlUVORNDOHU bYHQ NUHGLWDYWDO RPIDWWDV DY EHJUHSSHW ILQDQVLHOOD WMlQVWHU YLONHW PHGI|U DWW HQ I|UVlNULQJVI|UPHGODUH LQWH InU PDUNQDGVI|UD ERVWDGV

NUHGLWHU VRP HWW P|MOLJW VlWW DWW ILQDQVLHUD HQ LQYHVWHULQJ

$Y andra stycket I|OMHU DWW I|UVlNULQJVI|UPHGODUH PHG WLOOVWnQG DWW GULYD VLGRYHUNVDPKHW DYVHHQGH YLVVD IRQGDQGHODU InU PDUNQDGVI|UD IRQG DQGHODU LQRP UDPHQ I|U GHQ VLGRYHUNVDPKHWHQ (WW VnGDQW WLOOVWnQG WLOO VLGRYHUNVDPKHW RPIDWWDU WLOO VNLOOQDG IUnQ PRWVYDUDQGH WLOOVWnQG HQOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ IRQGDQGHODU VRP VND LQJn VRP WLOO

opaginerad JnQJDU L HQ IRQG HOOHU GHSnI|UVlNULQJ VH NDS † RFK I|UIDWWQLQJV Kontrollera mot PDF

JnQJDU L HQ IRQG HOOHU GHSnI|UVlNULQJ VH NDS † RFK I|UIDWWQLQJV

NRPPHQWDUHQ WLOO GHQ SDUDJUDIHQ

Tredje stycket LQQHElU DWW I|UEXGHW L I|UVWD VW\FNHW LQWH RPIDWWDU VnGDQD WMlQVWHU VRP HQ I|UVlNULQJVI|UPHGODUH KDU WLOOVWnQG HQOLJW QnJRQ DQQDQ I|UIDWWQLQJ DWW PDUNQDGVI|UD ILQDQVLHOOD WMlQVWHU RFK VRP LQWH WLOOKDQGD KnOOV LQRP UDPHQ I|U WLOOVWnQGHW DWW XW|YD I|UVlNULQJVGLVWULEXWLRQ 'HW YDQOLJDVW I|UHNRPPDQGH IDOOHW WRUGH EOL DWW HQ I|UVlNULQJVI|UPHGODUH KDU WLOOVWnQG I|U YlUGHSDSSHUVU|UHOVH HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ VRP RPIDWWDU LQYHVWHULQJVUnGJLYQLQJ HOOHU PRWWDJDQGH RFK YLGDUHEHIRUG UDQ DY RUGHU 5lWWHQ I|U HQ I|UPHGODUH DWW PDUNQDGVI|UD WMlQVWHU VRP GHQ HUEMXGHU LQRP UDPHQ I|U VLQ YlUGHSDSSHUVU|UHOVH UHJOHUDV L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U GHOYLV DUWLNHO L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW

3DUDJUDIHQ KDU LQWH QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJVI|U PHGOLQJ

3DUDJUDIHQ LQQHElU DWW HQ I|UVlNULQJVGLVWULEXW|UV V\VWHP I|U HUVlWW QLQJDU WLOO SHUVRQDO VRP lU V\VVHOVDWWD LQRP I|UVlNULQJVGLVWULEXWLRQHQ VND YDUD XWIRUPDW Vn DWW GHW LQWH QHJDWLYW SnYHUNDU GLVWULEXW|UHQV I|UPnJD DWW XSSI\OOD GH JUXQGOlJJDQGH NUDYHQ YLG I|UVlNULQJVGLVWULEXWLRQ HQOLJW † 'HQ lU XWIRUPDG HIWHU I|UHELOG DY NDS † ODJHQ RP YHUNVDPKHW PHG ERVWDGVNUHGLWHU VH SURS V ±

3DUDJUDIHQ RPIDWWDU HQEDUW GHQ SHUVRQDO VRP lU V\VVHOVDWW PHG I|UVlN ULQJVGLVWULEXWLRQHQ .UDYHW Sn XWIRUPQLQJ DY HUVlWWQLQJVV\VWHP lU GlUI|U LQWH WLOOlPSOLJW Sn GHQ SHUVRQDO VRP lU V\VVHOVDWW LQRP VW|GIXQNWLRQHU VRP DGPLQLVWUDWLRQ HOOHU LW ,QWH KHOOHU SHUVRQDO VRP DUEHWDU LQRP HYHQWX HOOD DQGUD YHUNVDPKHWVJUHQDU RPIDWWDV

3DUDJUDIHQ RPIDWWDU LQWH KHOOHU XSSGUDJVWDJDUH XWDQ HQEDUW SHUVRQHU VRP lU DQVWlOOGD DY I|UVlNULQJVGLVWULEXW|UHQ 'HWWD lU L HQOLJKHW PHG DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW GlU GHW XWWU\FNOLJHQ DQJHV DWW UHJOHUQD VND JlOOD DQVWlOOGD (Q XSSGUDJVWDJDUH VRP V\VVODU PHG I|UVlNULQJVGLVWULEXWLRQ WRUGH L VDPWOLJD IDOO EHK|YD YDUD UHJLVWUHUDG HOOHU KD HWW WLOOVWnQG I|U DWW EHGULYD I|UVlNULQJVGLVWULEXWLRQ

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU PHG GHOD I|UHVNULIWHU RP HQ I|UVlNULQJVGLVWULEXW|UV HUVlWWQLQJVV\VWHP †

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

3DUDJUDIHQ KDU LQJHQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ , första stycket VWlOOV NUDY Sn DWW I|UVlNULQJVGLVWULEXW|UHU VND KD UXWLQHU RFK ULNWOLQMHU I|U LQWHUQ NRQWUROO DY DWW GLVWULEXW|UHQ RFK GHVV DQVWlOOGD XSSI\OOHU YLVVD NUDY Sn NXQVNDS RFK NRPSHWHQV IRUWELOGQLQJ RFK \UNHV XWYHFNOLQJ RFK JRG YDQGHO VRP DQJHV L NDS † I|UVWD VW\FNHW ± NDS † I|UVWD VW\FNHW RFK NDS RFK †† 'HW VWlOOV YLGDUH

NUDY Sn DWW I|UVlNULQJVGLVWULEXW|UHQ VND LQUlWWD XSSUlWWKnOOD RFK

opaginerad gYHUYlJDQGHQD ILQQV L DYVQLWW Kontrollera mot PDF

XSSGDWHUD UHJLVWHU I|U GRNXPHQWDWLRQ DY GH nWJlUGHU VRP GHQ YLGWDU I|U DWW XSSI\OOD GHVVD NUDY

(QOLJW EHVWlPPHOVHQ L andra stycket VND HQ I|UVlNULQJVGLVWULEXW|U LQWHUQ XWVH HQ HOOHU IOHUD SHUVRQHU VRP DQVYDUDU I|U DWW GLVWULEXW|UHQ IXOOJ|U GH VN\OGLJKHWHU VRP DQJHV L I|UVWD VW\FNHW RFK Sn EHJlUDQ DY )LQDQVLQVSHNWLRQHQ OlPQD XW QDPQHW Sn GHQ HOOHU GH SHUVRQHUQD

3DUDJUDIHQ VWlOOHU XSS VWUlQJDUH NUDY lQ GLUHNWLYHW Sn Vn VlWW DWW GHQ JlOOHU I|U I|UVlNULQJVGLVWULEXW|UHU JHQHUHOOW PHGDQ NUDYHW L GLUHNWLYHW JlOOHU HQEDUW I|U I|UVlNULQJV RFK nWHUI|UVlNULQJVI|UHWDJ

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU PHGGHOD I|UHVNULIWHU RP YDG HQ I|UVlNULQJVGLVWULEXW|U VND LDNWWD I|U DWW XSSI\OOD GH NUDY VRP DQJHV L I|UVWD RFK DQGUD VW\FNHW †

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U DUWLNHO I|UVWD VW\FNHW L I|UVlNULQJVGLVWULEX WLRQVGLUHNWLYHW

3DUDJUDIHQ KDU LQWH QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJVI|UPHG

OLQJ

, första stycket VWlOOV NUDY Sn DWW GH I|UVlNULQJVGLVWULEXW|UHU VRP WDU IUDP I|UVlNULQJVSURGXNWHU GYV ROLND VODJ DY I|UVlNULQJVNRQWUDNW VND IDVWVWlOOD O|SDQGH RFK O|SDQGH VH |YHU HQ SURFHVV I|U SURGXNWJRG NlQQDQGH (Q VnGDQ SURFHVV NDQ IUDPJn DY QnJRQ IRUP DY LQWHUQW VW\U GRNXPHQW 3URFHVVHQ VND YDUD WLOOlPSOLJ EnGH QlU KHOW Q\D I|UVlNULQJV SURGXNWHU WDV IUDP RFK QlU EHW\GDQGH lQGULQJDU VNHU L EHILQWOLJD

SURGXNWHU

, andra stycket ILQQV NUDY Sn JRGNlQQDQGH DY HQ Q\ HOOHU lQGUDG SURGXNW LQQDQ GHQ PDUNQDGVI|UV HOOHU GLVWULEXHUDV WLOO NXQGHU

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU PHGGHOD I|UHVNULIWHU RP YDG HQ I|UVlNULQJVGLVWULEXW|U VND LDNWWD I|U DWW XSSI\OOD NUDYHQ L IUnJD RP SURGXNWJRGNlQQDQGH †

(XURSHLVND NRPPLVVLRQHQ InU DQWD GHOHJHUDGH DNWHU I|U DWW VSHFLILFHUD GH SULQFLSHU VRP DQJHV L DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U DUWLNHO WUHGMH VW\FNHW L I|UVlNULQJVGLVWULEX WLRQVGLUHNWLYHW

3DUDJUDIHQ KDU LQWH QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJVI|UPHG

OLQJ

, första stycket ILQQV HWW NUDY Sn DWW GHW VND DQJHV HQ IDVWVWlOOG PnOJUXSS L SURFHVVHQ I|U SURGXNWJRGNlQQDQGH 2UGHW PnOJUXSS DQYlQGV KlU DY W\GOLJKHWVVNlO L VWlOOHW I|U RUGHW PnOPDUNQDG VRP DQYlQGV L GLUHNWLYHW 'HW LQQHElU LQWH QnJRQ VNLOOQDG L VDN 9LGDUH LQQHKnOOHU VW\FNHW NUDY Sn DWW GHW VND VNH HQ DQDO\V DY DWW ULVNHU I|U PnOJUXSSHQ VND EHG|PDV 'HW NDQ KDQGOD RP HQ EHG|PQLQJ DY RP GHQ WLOOWlQNWD SURGXNWHQ JHU GHQ WlQNWD PnOJUXSSHQ HWW OlPSOLJW I|UVlNULQJVVN\GG XWLIUnQ GHVV EHKRY 8U I|UHWDJVHNRQRPLVN V\QSXQNW NDQ GHW RFNVn KDQGOD RP DWW EHUlNQD GHW

NDSLWDO VRP NUlYV DY HQ I|UVlNULQJVJLYDUH I|U DWW NXQQD HUEMXGD GHQ

s. 2 gYHUYlJDQGHQD ILQQV L DYVQLWW Kontrollera mot PDF

SODQHUDGH SURGXNWHQ 6OXWOLJHQ VND GHW EHG|PDV RP GLVWULEXWLRQVVWUDWHJLQ lU OlPSOLJ (Q GLVWULEXWLRQVVWUDWHJL WRUGH NXQQD LQEHJULSD EnGH KXU HQ

I|UVlNULQJ VND GLVWULEXHUDV RFK KXU GLVWULEXWLRQHQ VND ILQDQVLHUDV , andra stycket VWlOOV NUDY Sn DWW HQ I|UVlNULQJVGLVWULEXW|U VRP XWYHFN

ODU I|UVlNULQJVSURGXNWHU VND YLGWD DOOD ULPOLJD nWJlUGHU I|U DWW VH WLOO DWW SURGXNWHUQD GLVWULEXHUDV WLOO GHQ PnOJUXSS VRP GH lU DYVHGGD I|U 9LOND nWJlUGHU VRP NUlYDV E|U YDUD EHURHQGH Sn RPVWlQGLJKHWHUQD L GHW HQ VNLOGD IDOOHW

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU PHG GHOD I|UHVNULIWHU RP YDG HQ I|UVlNULQJVGLVWULEXW|U VND LDNWWD I|U DWW XSS I\OOD NUDYHQ L IUnJD RP SURGXNWJRGNlQQDQGH † (XURSHLVND NRPPLVVLRQHQ InU DQWD GHOHJHUDGH DNWHU I|U DWW VSHFLILFHUD SULQFLSHUQD VRP DQJHV L DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U DUWLNHO IMlUGH VW\FNHW L I|UVlNULQJVGLVWULEX WLRQVGLUHNWLYHW

3DUDJUDIHQ KDU LQWH QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJVI|UPHG OLQJ

3DUDJUDIHQ JlOOHU HQEDUW I|U I|UVlNULQJVI|UHWDJ RFK LQQHKnOOHU EHVWlP PHOVHU RP GHQ XSSI|OMQLQJ I|UVlNULQJVI|UHWDJ VND J|UD DY GH I|UVlNULQJV SURGXNWHU VRP GH WLOOKDQGDKnOOHU

(WW I|UVlNULQJVI|UHWDJ VND UHJHOEXQGHW VH |YHU GH I|UVlNULQJVSURGXNWHU VRP I|UHWDJHW HUEMXGHU HOOHU PDUNQDGVI|U , I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW DQJHV DWW I|UVlNULQJVI|UHWDJHW VND I|UVWn GH I|UVlNULQJV SURGXNWHU GHW HUEMXGHU 'HWWD NUDY InU GRFN DQVHV WLOOJRGRVHWW JHQRP NUDYHQ Sn VWDELOLWHW RFK JRG I|UVlNULQJVVWDQGDUG L NDS RFK †† I|UVlNULQJVU|UHOVHODJHQ

9LOND KlQGHOVHU VRP YlVHQWOLJW VNXOOH NXQQD SnYHUND ULVNHUQD I|U HQ I|UVlNULQJVSURGXNWV PnOJUXSS Sn GHW VlWW VRP DQJHV L andra stycket lU QnJRW VRP E|U DYJ|UDV L GHW HQVNLOGD IDOOHW 'HW ILQQV XWU\PPH I|U DWW SUHFLVHUD YDG VRP E|U DYVHV L I|UHVNULIWHU VRP PHGGHODV DY UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU † 6nGDQD SUHFLVHULQJDU NDQ RFNVn NRPPD DWW VNH L GHOHJHUDGH DNWHU VRP (XURSHLVND NRPPLVVLRQHQ DQWDU QlU GHW JlOOHU DUWLNHO L I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U DUWLNHO DQGUD VW\FNHW L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW

3DUDJUDIHQ KDU LQWH QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJVI|UPHG OLQJ

3DUDJUDIHQ LQQHKnOOHU HQ SURSRUWLRQDOLWHWVUHJHO (Q I|UVlNULQJVGLVWULEX W|UV SURFHVV I|U SURGXNWJRGNlQQDQGH VND VWn L SURSRUWLRQ WLOO GH I|UVlN ULQJVSURGXNWHU VRP GHQQH GLVWULEXHUDU 2P GH SURGXNWHUQD lU YlO EH SU|YDGH RFK DY OlJUH NRPSOH[LWHWVJUDG NDQ SURFHVVHQ I|U SURGXNWJRG

NlQQDQGH YDUD PLQGUH ULJRU|V 2P GHW GlUHPRW U|U VLJ RP NRPSOLFHUDGH

s. 3 gYHUYlJDQGHQD ILQQV L DYVQLWW Kontrollera mot PDF

SURGXNWHU HOOHU SURGXNWHU VRP LQWH IXQQLWV VHGDQ WLGLJDUH Sn PDUNQDGHQ VND SURFHVVHQ YDUD PHU RPIDWWDQGH 3URSRUWLRQDOLWHWVUHJHOQ E|U NRPPD WLOO XWWU\FN L I|UHVNULIWHU RP SURGXNWJRGNlQQDQGH VRP InU PHGGHODV DY UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU † VH lYHQ EHWUlIIDQGH SURSRUWLRQDOLWHWVUHJHOQ L I|UVlNULQJVU|UHOVHODJHQ SURS V RFK GlU JMRUG KlQYLVQLQJ

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 3DUDJUDIHQ KDU LQWH QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJVI|UPHG

OLQJ 3DUDJUDIHQ LQQHKnOOHU HWW XQGDQWDJ IUnQ NUDYHW Sn SURGXNWJRGNlQQDQGH

QlU GHW lU IUnJD RP GLVWULEXWLRQ DY I|UVlNULQJDU PRW VWRUD ULVNHU (Q GHILQLWLRQ DY VWRUD ULVNHU ILQQV L NDS †

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U DUWLNHO IHPWH RFK VMlWWH VW\FNHQD L I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW

3DUDJUDIHQ KDU LQWH QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJVI|UPHG OLQJ

3DUDJUDIHQ LQQHKnOOHU NUDY Sn SURGXNWLQIRUPDWLRQ RFK SURGXNWJRG

NlQQDQGH

, första stycket JHQRPI|UV DUWLNHO IHPWH VW\FNHW L I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW 6W\FNHW LQQHKnOOHU HWW NUDY Sn DWW I|UVlNULQJV GLVWULEXW|UHU VRP XWYHFNODU I|UVlNULQJVSURGXNWHU VND OlPQD WLOOUlFNOLJ LQIRUPDWLRQ WLOO DQGUD EHU|UGD I|UVlNULQJVGLVWULEXW|UHU RP VLQD SURGXNWHU RFK VLQ SURFHVV I|U SURGXNWJRGNlQQDQGH ,QIRUPDWLRQVNUDYHW NDQ SUHFL VHUDV L I|UHVNULIWHU VRP PHGGHODV DY UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU † 6nGDQD SUHFLVHULQJDU NDQ RFNVn NRPPD DWW VNH L GHOHJHUDGH DNWHU VRP (XURSHLVND NRPPLVVLRQHQ L DQWDU I|U DWW

SUHFLVHUD NUDYHQ L DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

, andra stycket VRP JHQRPI|U DUWLNHO VMlWWH VW\FNHW L I|UVlN ULQJVGLVWULEXWLRQVGLUHNWLYHW ILQQV NUDY VRP JlOOHU QlU I|UVlNULQJV GLVWULEXW|UHU LQWH VMlOYD XWYHFNODU GH I|UVlNULQJVSURGXNWHU VRP GH GLVWUL EXHUDU (Q I|UVlNULQJVGLVWULEXW|U VND L Vn IDOO KD UXWLQHU I|U DWW VNDIID VLJ VnGDQ LQIRUPDWLRQ VRP HQOLJW I|UVWD VW\FNHW VND OlPQDV DY GHQ VRP XWYHFNODU SURGXNWHUQD 9LGDUH NUlYV DWW HQ I|UVlNULQJVGLVWULEXW|U VRP LQWH VMlOY WDU IUDP GH I|UVlNULQJVSURGXNWHU VRP GHQQH GLVWULEXHUDU VND VNDIID VLJ JRG NlQQHGRP RP SURGXNWHUQD RFK PnOJUXSSHUQD I|U GHP .UDYHW Sn SURGXNWNlQQHGRP NDQ SUHFLVHUDV L I|UHVNULIWHU VRP PHGGHODV DY UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU † (XURSHLVND NRPPLVVLRQHQ InU RFNVn DQWD GHOHJHUDGH DNWHU I|U DWW SUHFLVHUD NUDYHQ L DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

opaginerad OLQJ Kontrollera mot PDF

3DUDJUDIHQ KDU LQWH QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJVI|UPHG

OLQJ

3DUDJUDIHQ LQQHKnOOHU VlUVNLOGD NUDY VRP JlOOHU YLG V N NRUVI|UVlOMQLQJ , första stycket JHQRPI|UV DUWLNHO I|UVWD PHQLQJHQ L I|UVlNULQJV

GLVWULEXWLRQVGLUHNWLYHW 'HW LQQHElU HWW I|UEXG PRW V N NRSSOLQJV I|UEHKnOO GYV DWW HQ I|UVlNULQJVGLVWULEXW|U VWlOOHU VRP NUDY DWW HQ NXQG WHFNQDU HQ I|UVlNULQJ I|U DWW In GHO DY HWW VW|UUH SDNHW )|UEXGHW JlOOHU HQGDVW RP I|UVlNULQJHQ lU HQ XQGHURUGQDG GHO DY KHOD |YHUHQVNRPPHOVHQ HOOHU KHOD SDNHWHW 1lU I|UVlNULQJHQ lU PHU lQ HQ XQGHURUGQDG GHO DY HWW SDNHW HOOHU HQ |YHUHQVNRPPHOVH InU GHW EHG|PDV HQOLJW DOOPlQQD FLYLO

RFK QlULQJVUlWWVOLJD UHJOHU RP NRSSOLQJVI|UEHKnOOHW lU WLOOnWHW HOOHU LQWH Andra stycket LQQHKnOOHU WYn XQGDQWDJ IUnQ I|UEXGHW PRW NRSSOLQJV

I|UEHKnOO L I|UVWD VW\FNHW 'HW HQD XQGDQWDJHW JlOOHU QlU HQ I|UVlNULQJ L HQ |YHUHQVNRPPHOVH HOOHU HWW SDNHW DY |YHUHQVNRPPHOVHU lU XQGHURUGQDG LQYHVWHULQJVWMlQVWHU HOOHU LQYHVWHULQJVYHUNVDPKHWHU VRP DYVHV L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ 'HW DQGUD XQGDQWDJHW JlOOHU QlU I|UVlNULQJHQ lU XQGHURUGQDG HWW EHWDONRQWR HQOLJW ODJHQ RP EHWDOWMlQVWHU 'H WYn XQGDQ WDJHQ lU I|UDQOHGGD DY DUWLNHO DQGUD PHQLQJHQ L I|UVlNULQJVGLVWULEX WLRQVGLUHNWLYHW 'LUHNWLYHW WLOOnWHU QlPOLJHQ lYHQ NRSSOLQJVI|UEHKnOO DWW WHFNQDQGHW DY HQ I|UVlNULQJ lU HWW YLOONRU I|U DWW In LQJn HWW NUHGLWDYWDO HQOLJW GLUHNWLY (8 EROnQHGLUHNWLYHW 6nGDQD NRSSOLQJVI|UEHKnOO lU GRFN LQWH WLOOnWQD L 6YHULJH HQOLJW F † NRQVXPHQWNUHGLWODJHQ VH SURS V RFK ± 'H lU GlUI|U LQWH KHOOHU WLOOnWQD HQOLJW GHQ I|UHYDUDQGH ODJHQ 'HQ DYYLNHOVHQ IUnQ DUWLNHO DQGUD PHQLQJHQ L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW LQQHElU HQ VnGDQ VWUlQJDUH EHVWlPPHOVH VRP PHGOHPVVWDWHUQD InU EHKnOOD HOOHU LQI|UD HQOLJW VDPPD GLUHNWLY DUWLNHO

%HVWlPPHOVHUQD L SDUDJUDIHQ lU RIIHQWOLJUlWWVOLJD RFK LQWH FLYLOUlWWVOLJD $YWDO VRP LQJnV L VWULG PHG GHP EOLU VnOHGHV LQWH RJLOWLJD 'lUHPRW NDQ VnGDQD DYWDO XWJ|UD JUXQG I|U HWW LQJULSDQGH IUnQ )LQDQVLQVSHNWLRQHQ

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 3DUDJUDIHQ PRWVYDUDU NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ 3DUDJUDIHQ LQQHElU HQ VN\OGLJKHW I|U I|UVlNULQJVI|UPHGODUH DWW KnOOD

NXQGHUQDV SHQJDU RFK DQGUD WLOOJnQJDU DYVNLOGD InU I|UPHGODUHQV HJQD

WLOOJnQJDU

Första stycket LQQHElU DWW HQ I|UVlNULQJVI|UPHGODUH VND KnOOD NXQG PHGHO DYVNLOGD Sn VlUVNLOGD NRQWRQ L HQOLJKHW PHG DUWLNHO DQGUD

VW\FNHW F L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

Andra stycket JlOOHU KDQWHULQJ NXQGHUV PHGHO LQRP VnGDQ VLGRYHUN VDPKHW VRP DYVHV NDS † , GHQ VLGRYHUNVDPKHWHQ JlOOHU HQOLJW NDS † I|UVWD VW\FNHW F ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ L O\GHO VHQ HQOLJW SURS DWW NXQGPHGHO HOOHU IRQGDQGHODU LQWH InU WDV HPRW I|U NXQGHQV UlNQLQJ

3DUDJUDIHQ JlOOHU LQWH YlUGHSDSSHUVU|UHOVH VRP GULYV DY I|UVlNULQJV

I|UPHGODUH VRP KDU WLOOVWnQG DWW GULYD VnGDQ U|UHOVH (QOLJW NDS †

NUlYV GHW WLOOVWnQG I|U YlUGHSDSSHUVU|UHOVH I|U DWW WLOOKDQGDKnOOD LQYHVWH

ULQJVWMlQVWHU RFK LQYHVWHULQJVYHUNVDPKHWHU lYHQ PHG DYVHHQGH Sn

opaginerad OLQJ Kontrollera mot PDF

ILQDQVLHOOD LQVWUXPHQW LQRP UDPHQ I|U HQ I|UVlNULQJ 2P HQ I|UVlNULQJV

I|UPHGODUH KDU WLOOVWnQG DWW GULYD YlUGHSDSSHUVU|UHOVH JlOOHU ODJHQ RP

YlUGHSDSSHUVU|UHOVH I|U KDQWHULQJHQ DY NXQGHUV SHQJDU RFK ILQDQVLHOOD

LQVWUXPHQW L GHQ YHUNVDPKHWHQ

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 3DUDJUDIHQ PRWVYDUDU NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ 3DUDJUDIHQ LQQHKnOOHU EHVWlPPHOVHU RP NODJRPnOVKDQWHULQJ %HVWlPPHOVHQ JlOOHU WLOO VNLOOQDG IUnQ PRWVYDUDQGH EHVWlPPHOVH L

ODJHQ RP I|UVlNULQJVI|UPHGOLQJ I|U DOOD I|UVlNULQJVGLVWULEXW|UHU EnGH I|UVlNULQJVI|UPHGODUH RFK I|UVlNULQJVI|UHWDJ $UWLNHO L I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW LQQHElU VDPPD XWYLGJQLQJ DY WLOOlPSQLQJVRPUnGHW L I|UKnOODQGH WLOO DUWLNHO L I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW ,QIRUPD WLRQ RP NODJRPnOVKDQWHULQJ VND lYHQ OlPQDV DY VnGDQD VSHFLDORPEXG VRP HQ I|UVlNULQJVI|UPHGODUH HOOHU HWW I|UVlNULQJVI|UHWDJ HQJDJHUDU HQ OLJW NDS †

5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU PHG GHOD I|UHVNULIWHU RP YDG HQ I|UVlNULQJVGLVWULEXW|U VND LDNWWD YLG KDQWHU LQJHQ DY NODJRPnO †

(LRSD KDU DQWDJLW ULNWOLQMHU RP NODJRPnOVKDQWHULQJ I|U EnGH I|UVlN ULQJVI|UHWDJ RFK I|UVlNULQJVI|UPHGODUH VH 5LNWOLQMHU I|U I|UVlNULQJV I|UHWDJV KDQWHULQJ DY NODJRPnO (,23$ %R6 RFK 5LNWOLQMHU I|U I|UVlNULQJVI|UPHGODUHV KDQWHULQJ DY NODJRPnO (,23$ %R6

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ PRWVYDUDU L KXYXGVDN NDS † ODJHQ RP I|UVlNULQJV

I|UPHGOLQJ VH SURS V ± RFK

Första stycket LQQHElU DWW VDPPD VNDGHVWnQGVVN\OGLJKHW JlOOHU I|U I|UVlNULQJVI|UHWDJ RFK I|UVlNULQJVI|UPHGODUH YLG I|UVlNULQJVGLVWULEXWLRQ )|U EnGD NDWHJRULHUQD DY I|UVlNULQJVGLVWULEXW|UHU JlOOHU VnOHGHV DWW GH VND HUVlWWD UHQ I|UP|JHQKHWVVNDGD VRP GUDEEDU HQ NXQG Sn JUXQG DY DWW GLVWULEXW|UHQ nVLGRVlWWHU VLQD VN\OGLJKHWHU HQOLJW †

, ODJHQ ILQQV HWW EHP\QGLJDQGH I|U UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU DWW PHGGHOD I|UHVNULIWHU RP YDG VRP HQ I|UVlNULQJVGLVWULEXW|U VND YLGWD I|U DWW XSSI\OOD VN\OGLJKHWHUQD L † † 3DUDJUDIHQ RPIDWWDU GlULJHQRP RFNVn GHQ VLWXDWLRQHQ QlU HQ I|UVlNULQJVGLVWULEXW|U nVLGRVDWW I|UHVNULIWHU VRP PHGGHODWV PHG VW|G DY GHW EHP\QGLJDQGHW /DJHQ RP I|UVlNULQJVI|UPHGOLQJ LQQHKnOOHU LQWH

QnJRW PRWVYDUDQGH EHP\QGLJDQGH DWW PHGGHOD I|UHVNULIWHU

$Y andra stycket I|OMHU DWW SDUDJUDIHQ lU WLOOlPSOLJ lYHQ RP HQ I|UVlNULQJVI|UPHGODUH nVLGRVlWWHU VLQD VN\OGLJKHWHU HQOLJW NDS † LQRP UDPHQ I|U VLGRYHUNVDPKHW PHG IRQGDQGHODU HQOLJW HWW WLOOVWnQG HQOLJW NDS † 'HW PRWVYDUDU GHW VRP JlOOHU HQOLJW NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ MlPI|UG PHG NDS † IMlUGH VW\FNHW VDPPD ODJ , NDS † ILQQV HWW EHP\QGLJDQGH I|U UHJHULQJHQ HOOHU GHQ

P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU DWW PHGGHOD I|UHVNULIWHU RP YLOND

opaginerad gYHUYlJDQGHQD ILQQV L DYVQLWW Kontrollera mot PDF

nWJlUGHU HQ I|UVlNULQJVI|UPHGODUH VND YLGWD I|U DWW XSSI\OOD GH NUDY VRP I|OMHU DY † 6NDGHVWnQGVVN\OGLJKHW NDQ RFNVn XSSNRPPD RP HQ I|UVlNULQJVI|UPHGODUH L VLGRYHUNVDPKHWHQ nVLGRVlWWHU YDG VRP JlOOHU HQOLJW I|UHVNULIWHU VRP PHGGHODWV PHG VW|G DY GHQ EHVWlPPHOVHQ

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ PRWVYDUDU NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ VH SURS V ± RFK , I|UKnOODQGH WLOO ODJHQ RP I|UVlNULQJVI|UPHGOLQJ lQGUDV EHVWlPPHOVHQ HQGDVW Sn Vn VlWW DWW GHQ QX JlOOHU lYHQ VNDGHVWnQGVNUDY VRP ULNWDV PRW HQ I|UVlNULQJVGLVWULEXW|U VRP lU HWW I|UVlNULQJVI|UHWDJ

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ PRWVYDUDU NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ VH SURS V RFK

%HVWlPPHOVHUQD JlOOHU HQGDVW DNWLHERODJ VRP KDU WLOOVWnQG DWW GULYD YHUNVDPKHW VRP I|UVlNULQJVI|UPHGODUH )|U I|UVlNULQJVDNWLHERODJ GYV I|UVlNULQJVGLVWULEXW|UHU VRP lU DNWLHERODJ PHQ LQWH I|UVlNULQJVI|UPHG ODUH JlOOHU PRWVYDUDQGH NUDY HQOLJW NDS D † I|UVlNULQJVU|UHOVHODJHQ

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ LQQHKnOOHU EHP\QGLJDQGHQ I|U UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU DWW PHGGHOD I|UHVNULIWHU 'HW lU EDUD EHP\Q GLJDQGHW QlU GHW JlOOHU KDQWHULQJ DY NODJRPnO SXQNW VRP PRWVYDUDV

DY HWW EHP\QGLJDQGH L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ NDS † Punkt 1 LQQHElU DWW UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ

EHVWlPPHU L I|UHVNULIWHU NDQ SUHFLVHUD GH I|USOLNWHOVHU VRP HQOLJW † JlOOHU I|U I|UVlNULQJVGLVWULEXW|UHU )|U NUDYHW Sn JRG I|UVlNULQJVGLVWULEX WLRQVVWDQGDUG E|U OHGQLQJ L YLVVD IDOO NXQQD InV L GHQ EUDQVFKSUD[LV VRP ELOGDWV QlU GHW JlOOHU EHJUHSSHW JRG I|UVlNULQJVI|UPHGOLQJVVHG L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ , I|UHVNULIWHUQD NDQ GHW YLG EHKRY lYHQ LQI|UDV \WWHUOLJDUH EHVWlPPHOVHU RP YDG VRP VND LDNWWDV I|U DWW XSSI\OOD

NUDYHQ L ODJHQ QlU GHW JlOOHU NRUVI|UVlOMQLQJ RFK NRSSOLQJVI|UEHKnOO

, punkt 2 ILQQV HWW EHP\QGLJDQGH VRP J|U GHW P|MOLJW DWW PHGGHOD I|UHVNULIWHU RP YLOONRU I|U UnGJLYQLQJ Sn JUXQGYDO DY HQ RSDUWLVN RFK SHUVRQOLJ DQDO\V XW|YHU GH YLOONRU VRP DQJHV L † RFK † DQGUD RFK

WUHGMH VW\FNHQD

Punkt 3 LQQHElU HQ P|MOLJKHW DWW PHGGHOD I|UHVNULIWHU RP KXU WUHGMH SDUWVHUVlWWQLQJ VRP DYVHV L † I|UVWD VW\FNHW VND YDUD XWIRUPDG I|U DWW LQWH PRWYHUND DWW HQ I|UVlNULQJVGLVWULEXW|U XSSI\OOHU GH JUXQGOlJJDQGH

NUDYHQ L †

Punkt 4 DYVHU I|UHVNULIWHU RP HQ I|UVlNULQJVGLVWULEXW|UV HUVlWWQLQJV V\VWHP (WW OLNQDQGH EHP\QGLJDQGH ILQQV L NDS † ODJHQ RP YHUN VDPKHW PHG ERVWDGVNUHGLWHU VH SURS V RFK ±

opaginerad gYHUYlJDQGHQD ILQQV L DYVQLWWHQ RFK Kontrollera mot PDF

, punkt 5 ILQQV HWW EHP\QGLJDQGH VRP J|U GHW P|MOLJW DWW PHGGHOD I|UHVNULIWHU RP YDG HQ I|UVlNULQJVGLVWULEXW|U VND LDNWWD I|U DWW XSSI\OOD NUDYHQ L †

Punkt 6 JlOOHU I|UHVNULIWHU RP SURGXNWJRGNlQQDQGH SURGXNW LQIRUPDWLRQ RFK SURGXNWNlQQHGRP %HP\QGLJDQGHQ DYVHHQGH SURGXNW JRGNlQQDQGH WDU VLNWH Sn XWI|UOLJDUH EHVWlPPHOVHU RP SURFHVVHQ I|U SURGXNWJRGNlQQDQGH RFK LQWH XWIRUPQLQJHQ DY I|UVlNULQJVYLOONRU L VLJ %HP\QGLJDQGHW J|U GHW P|MOLJW DWW L VYHQVN UlWW JHQRPI|UD GHOHJHUDGH DNWHU VRP (XURSHLVND NRPPLVVLRQHQ InU DQWD PHG VW|G DY DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RP VnGDQD GHOHJHUDGH DNWHU DQWDV L IRUP DY GLUHNWLY

Punkt 7 PRWVYDUDU EHP\QGLJDQGHW L NDS † ODJHQ RP I|UVlNULQJV I|UPHGOLQJ %HP\QGLJDQGHW J|U GHW P|MOLJW DWW YLG EHKRY L ELQGDQGH I|UHVNULIWHU LQI|UD GH ULNWOLQMHU RP NODJRPnOVKDQWHULQJ VRP DQWDV DY (LRSD VnYlO I|U I|UVlNULQJVI|UHWDJ VRP I|U I|UVlNULQJVI|UPHGODUH

gYHUYlJDQGHQD ILQQV L DYVQLWWHQ RFK

NDS ,QIRUPDWLRQVNUDY RFK XSSI|UDQGHUHJOHU †

3DUDJUDIHQ JHQRPI|U GHOYLV DUWLNHO L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW

3DUDJUDIHQ PRWVYDUDU GHOYLV NDS † ODJHQ RP I|UVlNULQJVI|UPHG OLQJ

3DUDJUDIHQ LQQHKnOOHU EHVWlPPHOVHU RP VN\OGLJKHW I|U I|UVlNULQJV GLVWULEXW|UHU DWW JH YLVV DOOPlQ LQIRUPDWLRQ WLOO NXQGHQ LQQDQ I|UVlNULQJV DYWDO LQJnV 6N\OGLJKHWHQ JlOOHU GHOV GH LQIRUPDWLRQVNUDY VRP VWlOOV XSS I|U I|UVlNULQJVI|UPHGODUH RFK I|UVlNULQJVI|UHWDJ L DUWLNHO L I|UVlN ULQJVGLVWULEXWLRQVGLUHNWLYHW GHOV HWW NUDY Sn DWW I|UVlNULQJVGLVWULEXW|UHQ VND LQIRUPHUD NXQGHQ RP GHQ HOOHU GH P\QGLJKHWHU VRP XW|YDU WLOOV\Q |YHU GLVWULEXW|UHQ

, SDUDJUDIHQ DQJHV WLOO VNLOOQDG IUnQ L I|UVlNULQJVI|UPHGOLQJVODJHQ DWW LQIRUPDWLRQHQ VND OlPQDV WLOO NXQGHQ god tid LQQDQ I|UVlNULQJVDYWDOHW LQJnV ,QQHE|UGHQ DY DWW LQIRUPDWLRQ VND OlPQDV L JRG WLG YDULHUDU EHURHQGH Sn RPVWlQGLJKHWHUQD 'HW E|U VRP KXYXGUHJHO LQQHElUD DWW I|UVlNULQJVGLVWULEXW|UHQ VND OlPQD LQIRUPDWLRQHQ L VDPEDQG PHG GH LQOHGDQGH NRQWDNWHUQD PHG NXQGHQ RFK DWW NXQGHQ VND In WLOOUlFNOLJW PHG WLG DWW WD GHO DY LQIRUPDWLRQHQ LQQDQ DYWDO LQJnV .UDYHW Sn DWW LQIRUPD WLRQHQ VND OlPQDV WLOO NXQGHQ L JRG WLG LQQDQ DYWDOHW LQJnV JlOOHU I|U

PHUSDUWHQ DY GH LQIRUPDWLRQVNUDY VRP JlOOHU HQOLJW NDS

Punkt 1 JHQRPI|U DUWLNHO I|UVWD VW\FNHW D L RFK DQGUD VW\FNHW E L L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RFK PRWVYDUDU L VDN DY NDS † I|UVWD VW\FNHW I|UVlNULQJVI|UPHGOLQJVODJHQ ,QIRUPDWLRQHQ VND DYVH VnGDQD XSSJLIWHU VRP J|U GHW P|MOLJW I|U NXQGHQ DWW LGHQWLILHUD I|UVlNULQJV GLVWULEXW|UHQ RFK VRP lU UHOHYDQWD I|U NXQGHQV NRQWDNWHU PHG GLVWULEX W|UHQ ,QIRUPDWLRQHQ RP LGHQWLWHW VND LQQHKnOOD XSSJLIW RP VnYlO QDPQ VRP SHUVRQ HOOHU RUJDQLVDWLRQVQXPPHU 9LGDUH VND LQIRUPDWLRQHQ RP DGUHVV RPIDWWD VnYlO SRVWDGUHVV VRP EHV|NVDGUHVV WHOHIRQQXPPHU H SRVWDGUHVV RFK HYHQWXHOO ZHEESODWVDGUHVV

(QOLJW punkt 2 VND HQ I|UVlNULQJVGLVWULEXW|U LQIRUPHUD NXQGHQ RP GHQ HOOHU GH P\QGLJKHWHU VRP XW|YDU WLOOV\Q |YHU GLVWULEXW|UHQ 'HW PRWVYDUDU

opaginerad WHOHIRQQXPPHU H SRVWDGUHVVHU RFK ZHEESODWVDGUHVVHU Kontrollera mot PDF

L KXYXGVDN GHW LQIRUPDWLRQVNUDY VRP JlOOHU I|U I|UVlNULQJVI|UPHGODUH HQOLJW NDS † I|UVWD VW\FNHW I|UVlNULQJVI|UPHGOLQJVODJHQ )|UVlN ULQJVGLVWULEXW|UHQ VND LQIRUPHUD NXQGHQ RP YLONHQ HOOHU YLOND P\QGLJ KHWHU VRP XW|YDU WLOOV\Q L 6YHULJH )LQDQVLQVSHNWLRQHQ RFK .RQVXPHQW YHUNHW ,QIRUPDWLRQHQ VND YLGDUH RPIDWWD P\QGLJKHWHUQDV SRVWDGUHVVHU

WHOHIRQQXPPHU H SRVWDGUHVVHU RFK ZHEESODWVDGUHVVHU

(QOLJW punkt 3 VRP JHQRPI|U DUWLNHO D LL UHVSHNWLYH E LL L I|UVlN ULQJVGLVWULEXWLRQVGLUHNWLYHW VND HQ I|UVlNULQJVGLVWULEXW|U LQIRUPHUD NXQGHQ RP KXUXYLGD GLVWULEXW|UHQ WLOOKDQGDKnOOHU UnGJLYQLQJ RP GH I|UVlNULQJVSURGXNWHU VRP VlOMV 1nJRW PRWVYDUDQGH NUDY IDQQV LQWH L

I|UVlNULQJVI|UPHGOLQJVODJHQ

Punkt 4 VRP JHQRPI|U DUWLNHO D LLL UHVSHNWLYH E LLL L I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW PRWVYDUDU L VDN NDS † I|UVWD VW\FNHW RFK I|UVlNULQJVI|UPHGOLQJVODJHQ 'HW LQQHElU DWW HQ I|UVlNULQJVGLVWULEXW|U E|U JH NXQGHQ IXOOVWlQGLJ LQIRUPDWLRQ RP GH P|MOLJKHWHU VRP ILQQV DWW IUDPI|UD NODJRPnO PRW I|UVlNULQJVGLVWULEXW|UHU UHVSHNWLYH In WYLVWHU PHG GLVWULEXW|UHU SU|YDGH XWDQI|U GRPVWRO ,QIRUPDWLRQHQ E|U LQQHKnOOD SUDNWLVND LQVWUXNWLRQHU RP KXU NXQGHQ NDQ Jn WLOO YlJD

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U GHOYLV DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHN WLYHW

3DUDJUDIHQ PRWVYDUDU GHOYLV NDS † ODJHQ RP I|UVlNULQJVI|UPHG OLQJ

3DUDJUDIHQ LQQHKnOOHU EHVWlPPHOVHU RP VN\OGLJKHW I|U I|UVlNULQJV I|UPHGODUH DWW OlPQD YLVV DOOPlQ LQIRUPDWLRQ WLOO NXQGHQ LQQDQ I|UVlN ULQJVDYWDO LQJnV XW|YHU GHQ LQIRUPDWLRQ VRP DOOD I|UVlNULQJVGLVWULEXW|UHU VND OlPQD HQOLJW † , OLNKHW PHG GHW VRP JlOOHU LQIRUPDWLRQ HQOLJW † VND I|UVlNULQJVI|UPHGODUH OlPQD LQIRUPDWLRQHQ L JRG WLG LQQDQ I|UVlN ULQJVDYWDO LQJnV 'lULJHQRP WLOOJRGRVHV GH NUDY VRP JlOOHU HQGDVW I|U I|UVlNULQJVI|UPHGODUH HQOLJW DUWLNHO D LY RFK Y L I|UVlNULQJVGLVWULEX WLRQVGLUHNWLYHW , SDUDJUDIHQ ILQQV lYHQ HWW NUDY Sn DWW I|UVlNULQJV

I|UPHGODUH VND LQIRUPHUD NXQGHQ RP DQVYDUVI|UVlNULQJHQ

(QOLJW punkt 1 VRP JHQRPI|U DUWLNHO D LY L I|UVlNULQJVGLVWULEX WLRQVGLUHNWLYHW VND HQ I|UVlNULQJVI|UPHGODUH LQIRUPHUD NXQGHQ RP GHW UHJLVWHU VRP I|UPHGODUHQ lU XSSWDJHQ L RFK KXU UHJLVWUHULQJHQ NDQ NRQWUROOHUDV 'HW PRWVYDUDU GHW VRP JlOOHU HQOLJW NDS † I|UVWD VW\FNHW I|UVlNULQJVI|UPHGOLQJVODJHQ .UDYHW LQQHElU DWW NXQGHQ VND In VnGDQ LQIRUPDWLRQ VRP EHK|YV I|U DWW NXQQD NRQWUROOHUD DWW I|UVlNULQJV I|UPHGODUHQ lU UHJLVWUHUDG VRP I|UVlNULQJVI|UPHGODUH RFK KDU UlWW DWW

XW|YD I|UVlNULQJVI|UPHGOLQJ

.UDYHW L punkt 2 DWW HQ I|UVlNULQJVI|UPHGODUH VND LQIRUPHUD NXQGHQ RP DQVYDUVI|UVlNULQJHQ PRWVYDUDU GHW L NDS † I|UVWD VW\FNHW I|UVlN ULQJVI|UPHGOLQJVODJHQ 'HWWD NUDY DYVHU IUDPI|U DOOW VnGDQ LQIRUPDWLRQ VRP lU DY VlUVNLOG EHW\GHOVH I|U GHQ VNDGHOLGDQGH YLG HWW IUDPWLGD I|UVlN ULQJVIDOO )|UVlNULQJVI|UPHGODUHQ VND LQIRUPHUD NXQGHQ RP YLONHQ I|UVlNULQJVJLYDUH VRP KDU PHGGHODW DQVYDUI|UVlNULQJHQ RP UlWWHQ DWW YlQGD VLJ GLUHNW WLOO I|UVlNULQJVJLYDUHQ RFK RP YLOND EHJUlQVQLQJDU VRP

ILQQV QlU GHW JlOOHU I|UVlNULQJVEHORSS RFK HIWHUVN\GG

opaginerad gYHUYlJDQGHQD ILQQV L DYVQLWW Kontrollera mot PDF

(QOLJW punkt 3 VRP JHQRPI|U DUWLNHO D Y L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW VND HQ I|UVlNULQJVI|UPHGODUH LQIRUPHUD NXQGHQ RP KXUXYLGD I|UPHGODUHQ I|UHWUlGHU NXQGHQ HOOHU DJHUDU I|U HWW I|UVlNULQJVI|UHWDJV UlNQLQJ 'HW LQQHElU DWW NXQGHQ VND In LQIRUPDWLRQ RP GH JUXQGOlJJDQGH I|UXWVlWWQLQJDUQD VRP JlOOHU I|U GHQ DNWXHOOD I|UPHGOLQJHQ

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U GHOYLV DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHN WLYHW

3DUDJUDIHQ KDU LQWH QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJVI|UPHG OLQJ

3DUDJUDIHQ LQQHKnOOHU EHVWlPPHOVHU RP VN\OGLJKHW I|U VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH RFK DQNQXWQD VLGRYHUNVDPPD I|UVlNULQJVI|UPHG ODUH DWW OlPQD DOOPlQ LQIRUPDWLRQ WLOO NXQGHQ LQQDQ I|UVlNULQJVDYWDO LQJnV 'HQ LQQHElU L SUDNWLNHQ DWW VnGDQD I|UPHGODUH XQGDQWDV IUnQ YLVVD LQIRUPDWLRQVNUDY VRP JlOOHU I|U EO D I|UVlNULQJVI|UPHGODUH RFK I|UVlN

ULQJVI|UHWDJ

, första stycket VRP GHOYLV JHQRPI|U DUWLNHO L I|UVlNULQJVGLVWUL EXWLRQVGLUHNWLYHW DQJHV YLOND LQIRUPDWLRQVNUDY L RFK †† VRP JlOOHU

I|U VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH

$Y andra stycket I|OMHU DWW VDPPD LQIRUPDWLRQVNUDY JlOOHU I|U DQNQXWQD VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH PHG XQGDQWDJ DY LQIRUPDWLRQ RP DQVYDUVI|UVlNULQJ

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ PRWVYDUDU NDS † DQGUD VW\FNHW I|UVlNULQJVI|UPHGOLQJV ODJHQ

3DUDJUDIHQ LQQHKnOOHU HWW VlUVNLOW LQIRUPDWLRQVNUDY I|U DQNQXWQD I|UVlN ULQJVI|UPHGODUH RFK DQNQXWQD VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH QlU GHW JlOOHU DQVYDUVI|UVlNULQJHQ RFK lU I|UDQOHWW DY GHQ VNLOOQDG L IUnJD RP NUDY Sn DQVYDUVI|UVlNULQJ VRP ILQQV PHOODQ DQNQXWQD I|UVlNULQJV I|UPHGODUH RFK DQGUD I|UVlNULQJVI|UPHGODUH VH NDS † DQGUD VW\FNHW RFK † WUHGMH VW\FNHW VH lYHQ SURS V

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U DUWLNHO D RFK E L I|UVlNULQJVGLVWULEXWLRQVGLUHN WLYHW

3DUDJUDIHQ PRWVYDUDU NDS † I|UVWD VW\FNHW ODJHQ RP I|UVlNULQJV I|UPHGOLQJ

3DUDJUDIHQ LQQHElU DWW HQ I|UVlNULQJVI|UPHGODUH VND LQIRUPHUD NXQGHQ RP VnGDQD lJDUI|UKnOODQGHQ VRP NDQ PHGI|UD DWW I|UPHGODUHQ LQWDU HQ EHURHQGHVWlOOQLQJ L I|UKnOODQGH WLOO HQ I|UVlNULQJVJLYDUH .UDYHW LQQHElU GRFN LQWH DWW I|UPHGODUHQ lU VN\OGLJ DWW L GHWDOM UHGRYLVD W H[ VWRUOHNHQ Sn ROLND LQQHKDY (Q GHILQLWLRQ DY NYDOLILFHUDW LQQHKDY ILQQV L NDS †

gYHUYlJDQGHQD ILQQV L DYVQLWW

opaginerad I|UPHGOLQJ Kontrollera mot PDF

†

3DUDJUDIHQ JHQRPI|U DUWLNHO F L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 3DUDJUDIHQ PRWVYDUDU L KXYXGVDN NDS † ODJHQ RP I|UVlNULQJV

I|UPHGOLQJ

3DUDJUDIHQ LQQHKnOOHU EHVWlPPHOVHU RP DWW HQ I|UVlNULQJVI|UPHGODUH VND LQIRUPHUD NXQGHQ RP KXUXYLGD I|UPHGODUHQ Sn HWW HOOHU DQQDW VlWW lU EHJUlQVDG L VLWW XUYDO DY P|MOLJD I|UVlNULQJVJLYDUH HOOHU RP I|UPHGODUHQ lU IUL DWW JH NXQGHQ UnG Sn JUXQGYDO DY HQ RSDUWLVN RFK SHUVRQOLJ DQDO\V

DY I|UVlNULQJVDYWDO VRP ILQQV Sn PDUNQDGHQ

.UDYHW Sn LQIRUPDWLRQ L första stycket 1 VND OlVDV WLOOVDPPDQV PHG NDS † GlU LQQHE|UGHQ DY RSDUWLVN RFK SHUVRQOLJ DQDO\V SUHFLVHUDV

%HJUlQVQLQJDU L HQ I|UVlNULQJVI|UPHGODUHV XUYDO DY I|UVlNULQJVJLYDUH NDQ I|OMD GLUHNW DY DYWDO PHQ NDQ RFNVn KD VLQ JUXQG L DQGUD RPVWlQ

GLJKHWHU 'HW YlVHQWOLJD lU DWW NXQGHQ InU LQIRUPDWLRQ RP GH I|UXWVlWW QLQJDU VRP JlOOHU I|U GHQ DNWXHOOD I|UPHGOLQJHQ Första stycket 2 DYVHU VLWXDWLRQHQ QlU HQ I|UVlNULQJVI|UPHGODUH KDU HWW V N H[NOXVLYLWHWVDYWDO PHG HWW I|UVlNULQJVI|UHWDJ 0HQ I|UPHGODUHQ NDQ RFNVn XWDQ DWW HWW

VnGDQW I|UKnOODQGH I|UHOLJJHU KD YDOW DWW VDPDUEHWD PHG EDUD HWW YLVVW HOOHU YLVVD I|UVlNULQJVI|UHWDJ 'HW lU GHQ VLWXDWLRQHQ VRP DYVHV L första stycket 3

Andra stycket VRP PRWVYDUDU NDS † DQGUD VW\FNHW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ LQQHElU DWW I|UVlNULQJVI|UPHGODUHQ VND XSSO\VD NXQGHQ RP QDPQHQ Sn GH I|UVlNULQJVI|UHWDJ VRP DYVHV L I|UVWD VW\FNHW RFK

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U DUWLNHO H RFK L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW

3DUDJUDIHQ KDU LQWH QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJVI|UPHG OLQJ

3DUDJUDIHQ LQQHKnOOHU EHVWlPPHOVHU RP VN\OGLJKHW I|U HQ I|UVlNULQJV I|UPHGODUHV DWW JH NXQGHQ LQIRUPDWLRQ RP GHQ HUVlWWQLQJ VRP I|UPHG ODUHQ HUKnOOHU I|U I|UPHGOLQJHQ 'H LQIRUPDWLRQVNUDY VRP DQJHV L SDUD JUDIHQ JnU XW|YHU GHW VRP NUlYV HQOLJW I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DUWLNHO H RFK L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 'HW LQQHElU HQ VnGDQD VWUlQJDUH EHVWlPPHOVHU VRP PHGOHPVVWDWHUQD InU EHKnOOD HOOHU LQI|UD HQOLJW GLUHNWLYHW VH VNlO %HVWlPPHOVHQ lU XWIRUPDG PHG KlQV\Q WLOO GH LQIRUPDWLRQVNUDY VRP JlOOHU L GDJ I|U I|UVlNULQJV I|UPHGODUH HQOLJW NDS ± †† )LQDQVLQVSHNWLRQHQV I|UHVNULIWHU RP I|UVlNULQJVI|UPHGOLQJ RFK GH VlUVNLOGD LQIRUPDWLRQVNUDY VRP VWlOOV XSS L GLUHNWLYHW QlU GHW JlOOHU I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU DUWLNHO F *HQRP LQIRUPDWLRQVNUDYHQ L )LQDQVLQVSHNWLRQHQV I|UH VNULIWHU lU I|UVlNULQJVI|UPHGODUH VnOHGHV UHGDQ VN\OGLJD DWW OlPQD SULV RFK HUVlWWQLQJVLQIRUPDWLRQ WLOO NXQGHQ VRP lU PHU RPIDWWDQGH lQ GHQ VRP DQJHV L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ NDS † I|UVWD VW\FNHW

8WJnQJVSXQNWHQ lU DWW NXQGHQ VND In HQ Vn IXOOVWlQGLJ LQIRUPDWLRQ VRP P|MOLJW QlU GHW JlOOHU SULVHW I|U I|UVlNULQJVI|UPHGOLQJHQ )|UVlNULQJV

I|UPHGODUHQ VND LQIRUPHUD NXQGHQ RP L YLONHQ IRUP I|UPHGODUHQ HUKnOOHU HUVlWWQLQJ PHG DQOHGQLQJ DY I|UVlNULQJVDYWDOHW VDPW RP YHP HOOHU YLOND

opaginerad NXQGHQ lU HQ QlULQJVLGNDUH VH SURS V Kontrollera mot PDF

VRP EHWDODU HUVlWWQLQJHQ )|UVlNULQJVI|UPHGODUHQ VND lYHQ VRP KXYXG

UHJHO DQJH VWRUOHNHQ Sn GHQ HUVlWWQLQJ VRP I|UPHGODUHQ HUKnOOHU $Y

SDUDJUDIHQ I|OMHU DWW GHW VLVWQlPQGD LQIRUPDWLRQVNUDYHW L YLVVD IDOO NDQ

WLOOJRGRVHV JHQRP LQIRUPDWLRQ WLOO NXQGHQ RP JUXQGHUQD I|U KXU HUVlWW

QLQJHQ EHVWlPV 'HW E|U GRFN EDUD JlOOD RP SULVHW LQWH lU EHVWlPW L

I|UYlJ RFK SULVLQIRUPDWLRQVODJHQ lU LQWH WLOOlPSOLJ QlU

NXQGHQ lU HQ QlULQJVLGNDUH VH SURS V

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

3DUDJUDIHQ KDU LQWH QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJVI|UPHG

OLQJ

3DUDJUDIHQ UHJOHUDU HWW I|UVlNULQJVI|UHWDJV VN\OGLJKHW DWW OlPQD SULV

RFK HUVlWWQLQJVLQIRUPDWLRQ WLOO NXQGHQ (WW I|UVlNULQJVI|UHWDJ VND LQIRU

PHUD NXQGHQ RP DUWHQ DY GHQ HUVlWWQLQJ VRP PRWWDV DY I|UHWDJHWV

DQVWlOOGD PHG DQOHGQLQJ DY I|UVlNULQJVDYWDOHW ,QIRUPDWLRQVNUDYHW I|U

I|UVlNULQJVI|UHWDJ lU GlUPHG LQWH OLND RPIDWWDQGH VRP PRWVYDUDQGH NUDY

I|U I|UVlNULQJVI|UPHGODUH HQOLJW †

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ VRP JHQRPI|U GHOYLV DUWLNHO L I|UVlNULQJVGLVWULEXWLRQV

GLUHNWLYHW

3DUDJUDIHQ KDU LQWH QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJVI|UPHG

OLQJ

3DUDJUDIHQ LQQHKnOOHU EHVWlPPHOVHU RP VN\OGLJKHWHQ I|U VLGRYHUN

VDPPD I|UVlNULQJVI|UPHGODUH RFK DQNQXWQD VLGRYHUNVDPPD I|UVlNULQJV

I|UPHGODUH DWW OlPQD LQIRUPDWLRQ RP SULV RFK HUVlWWQLQJDU WLOO NXQGHQ

'lULJHQRP WLOOJRGRVHV NUDYHW L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW Sn DWW

GHVVD I|UPHGODUH VND LQIRUPHUD NXQGHQ RP DUWHQ DY GHQ HUVlWWQLQJ VRP

WDV HPRW I|U I|UVlNULQJVDYWDOHW

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ VRP JHQRPI|U DUWLNHO RFK L I|UVlNULQJVGLVWULEX

WLRQVGLUHNWLYHW

3DUDJUDIHQ PRWVYDUDU NDS † WUHGMH VW\FNHW RFK † WUHGMH VW\FNHW

ODJHQ RP I|UVlNULQJVI|UPHGOLQJ

3DUDJUDIHQ LQQHKnOOHU HWW NUDY Sn DWW LQIRUPDWLRQ VRP DYVHV L ± ††

VND OlPQDV WLOO NXQGHQ lYHQ YLG I|UQ\HOVH HOOHU lQGULQJ DY I|UVlNULQJV

DYWDOHW RP GHW EHK|YV )|UQ\DG LQIRUPDWLRQ NDQ W H[ EHK|YD OlPQDV RP

GHW VNHWW YLNWLJDUH I|UlQGULQJDU L lJDUI|UKnOODQGHQD HOOHU RP HQ I|UVlN

ULQJVI|UPHGODUH KDU E\WW I|UVlNULQJVJLYDUH QlU GHW JlOOHU DQVYDUVI|UVlN

ULQJHQ 3DUDJUDIHQ LQQHElU RFNVn DWW I|UVlNULQJVI|UHWDJ RFK I|UVlNULQJV

I|UPHGODUH lU VN\OGLJD DWW JH NXQGHQ I|UQ\DG LQIRUPDWLRQ RP HYHQWXHOOD

LQWUHVVHNRQIOLNWHU RFK RP SULV RFK HUVlWWQLQJDU QlU NXQGHQ HIWHU GHW DWW

DYWDOHW LQJnWWV J|U DQGUD EHWDOQLQJDU lQ O|SDQGH SUHPLHEHWDOQLQJDU HOOHU

DQGUD SODQPlVVLJD EHWDOQLQJDU LQRP UDPHQ I|U I|UVlNULQJVDYWDOHW

opaginerad gYHUYlJDQGHQD ILQQV L DYVQLWW Kontrollera mot PDF

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U DUWLNHO I|UVWD RFK DQGUD VW\FNHQD RFK L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

3DUDJUDIHQ PRWVYDUDU GHOYLV NDS † DQGUD VW\FNHW I|UVWD PHQLQJHQ ODJHQ RP I|UVlNULQJVI|UPHGOLQJ

3DUDJUDIHQ LQQHKnOOHU EnGH NUDY Sn LQIRUPDWLRQ RFK XSSI|UDQGHUHJOHU VRP HQ I|UVlNULQJVGLVWULEXW|U VND LDNWWD LQQDQ HWW I|UVlNULQJVDYWDO LQJnV 'H NUDY VRP DQJHV L SDUDJUDIHQ JlOOHU REHURHQGH DY RP UnGJLYQLQJ OlP QDV HOOHU LQWH

(QOLJW punkt 1 VND I|UVlNULQJVGLVWULEXW|UHQ NODUJ|UD NXQGHQV NUDY RFK EHKRY L IUnJD RP I|UVlNULQJVVN\GG 'HW LQQHElU DWW GLVWULEXW|UHQ L GHQ XWVWUlFNQLQJ VRP RPVWlQGLJKHWHUQD NUlYHU GHW VND I|UV|ND NDUWOlJJD GHQ HQVNLOGH NXQGHQV |QVNHPnO RFK EHKRY L I|UVlNULQJVKlQVHHQGH )|UVlN ULQJVGLVWULEXW|UHQ E|U JHQRP W H[ IUnJRU WLOO NXQGHQ VNDIID VLJ HQ ELOG DY NXQGHQV I|UNXQVNDSHU QlU GHW JlOOHU I|UVlNULQJDU NXQGHQV HNRQRPLVND RFK VRFLDOD I|UKnOODQGHQ RFK ULVNEHQlJHQKHW P P

)|UVlNULQJVGLVWULEXW|UHQ VND HQOLJW punkt 2 JH NXQGHQ REMHNWLY RFK W\G OLJ LQIRUPDWLRQ RP I|UVlNULQJVSURGXNWHQ VRP lU DQSDVVDG HIWHU W\SHQ DY NXQG RFK SURGXNWHQV NRPSOH[LWHW 'HW E|U L SUDNWLNHQ LQQHElUD DWW GLVWULEXW|UHQ VND EHDNWD GH XSSJLIWHU VRP IUDPNRPPLW YLG NDUWOlJJ QLQJHQ HQOLJW SXQNW QlU GLVWULEXW|UHQ OlPQDU SURGXNWLQIRUPDWLRQ WLOO NXQGHQ 'LVWULEXW|UHQ VND DQSDVVD LQIRUPDWLRQHQ HIWHU GHQ HQVNLOGH NXQGHQV NXQVNDSVQLYn RFK P|MOLJKHW DWW WLOOJRGRJ|UD VLJ LQIRUPDWLRQHQ

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U DUWLNHO WUHGMH VW\FNHW L I|UVlNULQJVGLVWULEX WLRQVGLUHNWLYHW

3DUDJUDIHQ KDU LQWH QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJVI|UPHG OLQJ

3DUDJUDIHQ DQJHU YLOND VN\OGLJKHWHU HQ I|UVlNULQJVGLVWULEXW|U KDU JHQWHPRW NXQGHQ QlU GLVWULEXW|UHQ OlPQDU UnGJLYQLQJ RP ROLND I|UVlN ULQJVO|VQLQJDU 'LVWULEXW|UHQ lU L VnGDQD IDOO VN\OGLJ DWW LQQDQ I|UVlN ULQJVDYWDO LQJnV WLOOKDQGDKnOOD NXQGHQ HQ SHUVRQOLJ UHNRPPHQGDWLRQ PHG HQ I|UNODULQJ DY YDUI|U HQ YLVV SURGXNW ElVW PRWVYDUDU NXQGHQV NUDY RFK EHKRY 5HNRPPHQGDWLRQHQ VND I|UHJnV DY HQ VnGDQ NDUWOlJJQLQJ DY NXQGHQ VRP DQJHV L † .UDYHW Sn HQ SHUVRQOLJ UHNRPPHQGDWLRQ PHG NRSSOLQJ WLOO HQ VSHFLILN I|UVlNULQJVSURGXNW lU Q\WW L I|UKnOODQGH WLOO GHW VRP JlOOHU HQOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ RFK LQQHElU DWW GHW YLG UnGJLYQLQJ LQWH lU WLOOUlFNOLJW DWW GLVWULEXW|UHQ I|UHVOnU I|UVlNULQJV O|VQLQJDU VRP lU OlPSOLJD L VW|UVWD DOOPlQKHW

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U DUWLNHO RFK L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW

opaginerad 3DUDJUDIHQ KDU LQWH QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJVI|UPHG OLQJ Kontrollera mot PDF

3DUDJUDIHQ KDU LQWH QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJVI|UPHG OLQJ

3DUDJUDIHQ LQQHKnOOHU VlUVNLOGD IRUPNUDY I|U LQIRUPDWLRQ VRP HQ I|UVlNULQJVGLVWULEXW|U VND OlPQD WLOO VLQD NXQGHU YLG GLVWULEXWLRQ DY

VNDGHI|UVlNULQJVSURGXNWHU

(QOLJW första stycket VRP JHQRPI|U DUWLNHO L I|UVlNULQJVGLVWULEX WLRQVGLUHNWLYHW VND HQ I|UVlNULQJVGLVWULEXW|U YLG GLVWULEXWLRQ DY VNDGH I|UVlNULQJVSURGXNWHU JH NXQGHQ LQIRUPDWLRQ RP I|UVlNULQJVSURGXNWHQ L IRUP DY HWW VWDQGDUGLVHUDW SURGXNWIDNWDEODG Sn SDSSHU HOOHU QnJRW DQQDW

YDUDNWLJW PHGLXP (Q GHILQLWLRQ DY YDUDNWLJW PHGLXP ILQQV L NDS † , andra stycket VRP JHQRPI|U DUWLNHO L GLUHNWLYHW DQJHV DWW

SURGXNWIDNWDEODGHW VND YDUD XSSUlWWDW DY XWYHFNODUHQ DY VNDGHI|UVlN ULQJVSURGXNWHQ

*HQRP HWW EHP\QGLJDQGH L † I|U UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU DWW PHGGHOD I|UHVNULIWHU RP NUDY Sn SURGXNW IDNWDEODG lU GHW P|MOLJW DWW L P\QGLJKHWVI|UHVNULIWHU JHQRPI|UD GH GHWDOM HUDGH UHJOHU VRP ILQQV L DUWLNHO RFK L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW

(QOLJW DUWLNHO L GLUHNWLYHW VND (LRSD VDPUnGD PHG QDWLRQHOOD P\Q GLJKHWHU VRP JHQRPI|UW NRQVXPHQWWHVWHU RFK GlUHIWHU XWDUEHWD XWNDVW WLOO WHNQLVND VWDQGDUGHU I|U JHQRPI|UDQGH PHG DYVHHQGH Sn HWW VWDQGDUGLVHUDW SUHVHQWDWLRQVIRUPDW I|U SURGXNWIDNWDEODG I|U I|UVlNULQJVSURGXNWHU PHG QlUPDUH XSSJLIWHU RP SUHVHQWDWLRQHQ DY GH XSSJLIWHU VRP DYVHV L DUWLNHO L GLUHNWLYHW SURGXNWIDNWDEODGHQV LQQHKnOO (LRSD KDU OlPQDW XWNDVW WLOO VnGDQD WHNQLVND VWDQGDUGHU I|U JHQRPI|UDQGH WLOO NRPPLVVLRQHQ GHQ IHEUXDUL

*HQRP EHP\QGLJDQGHW L † lU GHW lYHQ P|MOLJW DWW JHQRPI|UD GH WHNQLVND VWDQGDUGHUQD L P\QGLJKHWVI|UHVNULIWHU RP NRPPLVVLRQHQ DQWDU GHP L IRUP DY HWW GLUHNWLY

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 3DUDJUDIHQ KDU LQWH QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJVI|UPHG

OLQJ

3DUDJUDIHQ LQQHElU DWW DOO LQIRUPDWLRQ LQNOXVLYH PDUNQDGVI|ULQJV PDWHULDO VRP HQ I|UVlNULQJVGLVWULEXW|U OlPQDU WLOO VLQD NXQGHU VND YDUD RSDUWLVN RFK LQWH YLOVHOHGDQGH 0DUNQDGVI|ULQJVPDWHULDO VND DOOWLG NODUW RFK W\GOLJW NXQQD LGHQWLILHUDV VRP VnGDQW 0HG NXQG DYVHV lYHQ SUH VXPWLYD NXQGHU

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U GHOYLV DUWLNHO ± L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW

3DUDJUDIHQ PRWVYDUDU GHOYLV NDS † ODJHQ RP I|UVlNULQJVI|UPHG OLQJ

3DUDJUDIHQ LQQHKnOOHU NUDY Sn KXU HQ I|UVlNULQJVGLVWULEXW|U VND OlPQD

LQIRUPDWLRQ WLOO VLQD NXQGHU

opaginerad Första stycket VRP L KXYXGVDN PRWVYDUDU NDS † I|UVWD VW\FNHW Kontrollera mot PDF

Första stycket VRP L KXYXGVDN PRWVYDUDU NDS † I|UVWD VW\FNHW

ODJHQ RP I|UVlNULQJVI|UPHGOLQJ LQQHElU DWW LQIRUPDWLRQHQ VND OlPQDV

NRVWQDGVIULWW WLOO NXQGHQ L HQ SDSSHUVKDQGOLQJ HOOHU L QnJRQ DQQDQ OlVEDU

RFK YDUDNWLJ IRUP VRP lU WLOOJlQJOLJ I|U NXQGHQ 9DG VRP DYVHV PHG

´DQQDQ OlVEDU RFK YDUDNWLJ IRUP´ SUHFLVHUDV L DUWLNHO L I|UVlNULQJV

GLVWULEXWLRQVGLUHNWLYHW 'lU DQJHV DWW LQIRUPDWLRQHQ XQGHU YLVVD I|UXW

VlWWQLQJDU VRP DQJHV L DUWLNHO UHVSHNWLYH InU OlPQDV Sn HWW

DQQDW YDUDNWLJW PHGLXP lQ SDSSHU HOOHU Sn HQ ZHEESODWV

(Q GHILQLWLRQ DY YDUDNWLJW PHGLXP ILQQV L NDS † VRP PRWVYDUDU

GHILQLWLRQHQ L DUWLNHO L GLUHNWLYHW 0HG GHW DYVHV YDUMH PHGHO VRP J|U

GHW P|MOLJW I|U NXQGHQ DWW EHYDUD LQIRUPDWLRQ VRP ULNWDV WLOO GHQQH

SHUVRQOLJHQ Sn HWW VlWW VRP lU WLOOJlQJOLJW I|U DQYlQGQLQJ L IUDPWLGHQ

XQGHU HQ WLG VRP lU OlPSOLJ PHG KlQV\Q WLOO YDG VRP lU DYVLNWHQ PHG

LQIRUPDWLRQHQ RFK VRP WLOOnWHU RI|UlQGUDG nWHUJLYQLQJ DY GHQ EHYDUDGH

LQIRUPDWLRQHQ 6RP YDUDNWLJW PHGLXP UlNQDV VlUVNLOW GLVNHWWHU FG URP

GYG RFK KnUGGLVNDU L SHUVRQGDWRUHU PHQ LQWH ZHEESODWVHU Sn LQWHUQHW

XWRP GH ZHEESODWVHU VRP XSSI\OOHU DQJLYQD NULWHULHU

Andra stycket VRP JHQRPI|U DUWLNHO E RFK F L GLUHNWLYHW PRW

VYDUDU L KXYXGVDN NDS † DQGUD±IMlUGH VW\FNHQD ODJHQ RP I|UVlNULQJV

I|UPHGOLQJ .UDYHW Sn DWW LQIRUPDWLRQHQ VND YDUD NODU RFK EHJULSOLJ

LQQHElU DWW GHQ VND XSSIDWWDV Sn GHW VlWWHW DY NXQGHQ ,QIRUPDWLRQHQ E|U

YDUD NODU RFK EHJULSOLJ LQWH EDUD WLOO VLWW LQQHKnOO W H[ JHQRP DWW RQ|GLJD

IDFNWHUPHU XQGYLNV XWDQ lYHQ WLOO VLQ VWUXNWXU

*HQRP HWW EHP\QGLJDQGH L † I|U UHJHULQJHQ HOOHU GHQ P\QGLJKHW

VRP UHJHULQJHQ EHVWlPPHU DWW PHGGHOD I|UHVNULIWHU RP YLOND IRUPNUDY

VRP VND JlOOD I|U GHQ LQIRUPDWLRQ VRP DYVHV L SDUDJUDIHQ lU GHW P|MOLJW

DWW L P\QGLJKHWVI|UHVNULIWHU LQI|UD GH GHWDOMHUDGH UHJOHU VRP ILQQV L

DUWLNHO RFK L GLUHNWLYHW RP XQGHU YLOND I|UXWVlWWQLQJDU LQIRUPD

WLRQHQ InU OlPQDV Sn DQQDW YDUDNWLJW PHGLXP lQ SDSSHU HOOHU Sn HQ

ZHEESODWV

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

3DUDJUDIHQ PRWVYDUDU NDS † I|UVWD VW\FNHW RFK DQGUD VW\FNHW

ODJHQ RP I|UVlNULQJVI|UPHGOLQJ

3DUDJUDIHQ LQQHKnOOHU HWW XQGDQWDJ IUnQ IRUPNUDYHW L † första stycket

QlU GHW JlOOHU GLVWULEXWLRQ DY I|UVlNULQJDU SHU WHOHIRQ 8QGDQWDJHW DYVHU

HQGDVW LQIRUPDWLRQHQV IRUP RFK LQWH GHVV LQQHKnOO

, andra stycket DQJHV DWW LQIRUPDWLRQHQ VND OlPQDV WLOO NXQGHQ Sn GHW

VlWW VRP DQJHV L † VQDUDVW HIWHU GHW DWW I|UVlNULQJVDYWDO LQJnWWV

I tredje stycket ILQQV HQ KlQYLVQLQJ WLOO ODJHQ RP GLVWDQVDYWDO RFK DYWDO

XWDQI|U DIIlUVORNDOHU 9LG GLVWULEXWLRQ DY I|UVlNULQJDU SHU WHOHIRQ WLOO

NRQVXPHQWHU VND LQIRUPDWLRQ OlPQDV VnYlO HQOLJW GHQQD ODJ VRP HQOLJW GH

UHJOHU VRP JlOOHU I|U GLVWDQVI|UVlOMQLQJ DY ILQDQVLHOOD WMlQVWHU HQOLJW ODJHQ

RP GLVWDQVDYWDO RFK DYWDO XWDQI|U DIIlUVORNDOHU VH SURS

gYHUYlJDQGHQD ILQQV L DYVQLWW

opaginerad OLQJ Kontrollera mot PDF

†

3DUDJUDIHQ JHQRPI|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 3DUDJUDIHQ KDU LQWH QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJVI|UPHG

OLQJ

3DUDJUDIHQ LQQHKnOOHU EHVWlPPHOVHU RP VN\OGLJKHW I|U HQ I|UVlNULQJV GLVWULEXW|U DWW OlPQD LQIRUPDWLRQV QlU HQ DQVWlOOG DQVOXWV WLOO HQ REOLJD WRULVN WMlQVWHSHQVLRQVI|UVlNULQJVSODQ 'H I|UVlNULQJVGLVWULEXW|UHU VRP RPIDWWDV DY SODQHQ VND L GHVVD IDOO VlNHUVWlOOD DWW LQIRUPDWLRQHQ OlPQDV WLOO GHQ DQVWlOOGH XWDQ GU|MVPnO HIWHU DQVOXWQLQJHQ 0HG ´REOLJDWRULVN´ DYVHV DWW GHQ DQVWlOOGH DQVOXWV DXWRPDWLVNW WLOO HQ Sn I|UKDQG EHVWlPG SHQVLRQVSODQ

0HG WMlQVWHSHQVLRQVI|UVlNULQJ DYVHV WMlQVWHSHQVLRQVI|UVlNULQJ HQOLJW NDS † I|UVlNULQJVU|UHOVHODJHQ L O\GHOVHQ GHQ GHFHPEHU ,QQHE|UGHQ DY DWW LQIRUPDWLRQHQ VND OlPQDV XWDQ GU|MVPnO YDULHUDU EHURHQGH Sn RPVWlQGLJKHWHUQD 'HW LQQHElU GRFN DWW LQIRUPDWLRQHQ VND WLOOKDQGDKnOODV GHQ DQVWlOOGH VN\QGVDPW HIWHU DQVOXWQLQJHQ

*HQRP HWW EHP\QGLJDQGH L † I|U UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU lU GHW P|MOLJW DWW L I|UHVNULIWHU Sn OlJUH QLYn lQ ODJ LQI|UD GHWDOMHUDGH EHVWlPPHOVHU RP KXU LQIRUPDWLRQHQ VND WLOO KDQGDKnOODV GHQ DQVWlOOGH

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 3DUDJUDIHQ KDU LQWH QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJVI|UPHG

OLQJ

3DUDJUDIHQ LQQHKnOOHU EHVWlPPHOVHU RP VlUVNLOGD LQIRUPDWLRQVNUDY I|U

I|UVlNULQJVGLVWULEXW|UHU YLG V N NRUVI|UVlOMQLQJ 0HG NRUVI|UVlOMQLQJ

DYVHV I|UIDUDQGHQ Gn HQ I|UVlNULQJVSURGXNW HUEMXGV WLOOVDPPDQV PHG HQ

DQQDQ SURGXNW VRP LQWH lU HQ I|UVlNULQJ VRP HQ GHO DY HWW SDNHW HOOHU DY

HWW RFK VDPPD DYWDO DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW VH

lYHQ NDS † RFK I|UIDWWQLQJVNRPPHQWDUHQ WLOO GHQ SDUDJUDIHQ

(Q I|UVlNULQJVGLVWULEXW|U VND YLG NRUVI|UVlOMQLQJ LQIRUPHUD NXQGHQ RP

KXUXYLGD GHW lU P|MOLJW DWW N|SD GH ROLND EHVWnQGVGHODUQD VHSDUDW

'LVWULEXW|UHQ VND lYHQ JH NXQGHQ HQ DGHNYDW EHVNULYQLQJ DY GH ROLND

GHODUQD L DYWDOHW HOOHU SDNHWHW VDPW OlPQD VHSDUDWD XSSJLIWHU RP

NRVWQDGHU RFK DYJLIWHU I|U UHVSHNWLYH EHVWnQGVGHO

6N\OGLJKHWHQ DWW NODUJ|UD NXQGHQV NUDY RFK EHKRY L IUnJD RP I|U

VlNULQJVVN\GG HQOLJW † JlOOHU lYHQ YLG NRUVI|UVlOMQLQJ VH DUWLNHO

L GLUHNWLYHW

*HQRP HWW EHP\QGLJDQGH L † I|U UHJHULQJHQ HOOHU GHQ P\QGLJKHW

VRP UHJHULQJHQ EHVWlPPHU lU GHW P|MOLJW DWW SUHFLVHUD LQIRUPDWLRQV

NUDYHQ YLG NRUVI|UVlOMQLQJ L I|UHVNULIWHU Sn OlJUH QLYn lQ ODJ

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

3DUDJUDIHQ KDU LQWH QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJVI|UPHG

OLQJ

opaginerad ULQJVVN\GG VRP EHVWnQGVGHODUQD L SDNHWHW PHGI|U YDU I|U VLJ Kontrollera mot PDF

3DUDJUDIHQ VRP L OLNKHW PHG † LQQHKnOOHU EHVWlPPHOVHU RP LQIRU

PDWLRQVNUDY YLG NRUVI|UVlOMQLQJ lU HQGDVW WLOOlPSOLJ L GH IDOO Gn ULVNHQ

HOOHU I|UVlNULQJVVN\GGHW L SDNHWHW VNLOMHU VLJ IUnQ GHQ ULVN HOOHU GHW I|UVlN

ULQJVVN\GG VRP EHVWnQGVGHODUQD L SDNHWHW PHGI|U YDU I|U VLJ

(Q I|UVlNULQJVGLVWULEXW|U L VnGDQD IDOO JH NXQGHQ HQ DGHNYDW EHVNULY

QLQJ DY Sn YLONHW VlWW GHUDV LQE|UGHV VDPVSHO NDQ SnYHUND ULVNHQ HOOHU

I|UVlNULQJVVN\GGHW

*HQRP HWW EHP\QGLJDQGH † I|U UHJHULQJHQ HOOHU GHQ P\QGLJKHW

VRP UHJHULQJHQ EHVWlPPHU lU GHW P|MOLJW DWW SUHFLVHUD LQIRUPDWLRQV

NUDYHQ L I|UHVNULIWHU Sn OlJUH QLYn lQ ODJ

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ PRWVYDUDU NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ 3DUDJUDIHQ VRP LQQHKnOOHU EHVWlPPHOVHU RP VN\OGLJKHW I|U HQ I|UVlN

ULQJVI|UPHGODUH DWW YLGDUHEHIRUGUD YLVV LQIRUPDWLRQ IUnQ I|UVlNULQJV JLYDUHQ WLOO I|UVlNULQJVWDJDUHQ

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U GHOYLV DUWLNODUQD RFK L I|UVlNULQJVGLVWULEX WLRQVGLUHNWLYHW

3DUDJUDIHQ PRWVYDUDU NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ 3DUDJUDIHQ LQQHKnOOHU EHVWlPPHOVHU RP VN\OGLJKHW I|U HQ I|UVlNULQJV

GLVWULEXW|U DWW XSSUlWWD GRNXPHQWDWLRQ RFK OlPQD GRNXPHQWDWLRQ WLOO NXQGHQ

*HQRP HWW EHP\QGLJDQGH L † InU UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU PHGGHOD I|UHVNULIWHU RP YDG HQ I|UVlNULQJV GLVWULEXW|U VND LDNWWD QlU GHW JlOOHU GRNXPHQWDWLRQ DY I|UVlNULQJVI|UPHG OLQJHQ RFK XWOlPQDQGH DY VnGDQ GRNXPHQWDWLRQ

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U GHOYLV DUWLNHO I|UVWD VW\FNHW L I|UVlNULQJVGLVWUL EXWLRQVGLUHNWLYHW

3DUDJUDIHQ PRWVYDUDU L KXYXGVDN NDS † ODJHQ RP I|UVlNULQJVI|U PHGOLQJ

3DUDJUDIHQ LQQHKnOOHU XQGDQWDJ IUnQ GH DOOPlQQD EHVWlPPHOVHUQD RP

LQIRUPDWLRQVVN\OGLJKHW

8QGDQWDJHQ L punkterna 1 RFK 2 I|OMHU DY DUWLNHO I|UVWD VW\FNHW L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW VH lYHQ VNlO

8QGDQWDJHW L punkt 3 PRWVYDUDU GHW L NDS † ODJHQ RP I|UVlNULQJV I|UPHGOLQJ 6H GRFN NDS † RFK I|UIDWWQLQJVNRPPHQWDUHQ WLOO GHQ SDUDJUDIHQ QlU GHW JlOOHU GHQ YHUNVDPKHW VRP InU EHGULYDV LQRP UDPHQ I|U HWW VnGDQW VLGRWLOOVWnQG HQOLJW GHQQD ODJ

gYHUYlJDQGHQD ILQQV L DYVQLWW

opaginerad 3DUDJUDIHQ PRWVYDUDU L KXYXGVDN PRWVYDUDU NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ Kontrollera mot PDF

†

3DUDJUDIHQ PRWVYDUDU L KXYXGVDN PRWVYDUDU NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ

3DUDJUDIHQ LQQHElU DWW lYHQ PDUNQDGVI|ULQJVODJHQV VDQNWLRQVV\VWHP PHG YLVVD XQGDQWDJ NDQ WLOOlPSDV RP LQIRUPDWLRQVNUDYHQ L ± †† LQWH I|OMV $Y RUGHW ´lYHQ´ L I|UVWD PHQLQJHQ W\GOLJJ|UV DWW EHVWlPPHOVHQ XWJ|U HWW NRPSOHPHQW WLOO GH VDQNWLRQHU VRP )LQDQVLQVSHNWLRQHQ InU WLOO JULSD PRW HQ I|UVlNULQJVGLVWULEXW|U VRP nVLGRVlWWHU VLQD VN\OGLJKHWHU HQOLJW GHQQD ODJ

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ LQQHKnOOHU EHP\QGLJDQGHQ I|U UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU DWW PHGGHOD I|UHVNULIWHU L ROLND DYVHHQGHQ (WW SDU DY EHP\QGLJDQGHQD PRWVYDUDU EHP\QGLJDQGHQ L NDS ODJHQ RP I|UVlNULQJVI|UPHGOLQJ HOOHU L NDS I|URUGQLQJHQ RP I|UVlN ULQJVI|UPHGOLQJ PHQ GH IOHVWD EHP\QGLJDQGHQ lU Q\D

Punkt 1 PRWVYDUDU L KXYXGVDN GHW EHP\QGLJDQGH VRP ILQQV I|U )LQDQV LQVSHNWLRQHQ L NDS † I|URUGQLQJHQ RP I|UVlNULQJVI|UPHGOLQJ QlU GHW JlOOHU I|UVlNULQJVI|UPHGODUHV LQIRUPDWLRQVVN\OGLJKHW HQOLJW NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ *HQRP EHP\QGLJDQGHW KDU UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU P|MOLJKHW DWW PHGGHOD I|UHVNULIWHU RP GHQ LQIRUPDWLRQVVN\OGLJKHW VRP JlOOHU I|U ROLND W\SHU DY I|UVlNULQJVGLVWULEXW|UHU HQOLJW ± †† DYVHHQGH DOOPlQ LQIRUPD

WLRQ WLOO NXQGHQ RFK LQIRUPDWLRQ RP LQWUHVVHNRQIOLNWHU %HP\QGLJDQGHW L punkt 2 lU Q\WW RFK DYVHU I|UHVNULIWHU VRP EHK|YV I|U

DWW JHQRPI|UD GH GHWDOMHUDGH UHJOHU VRP ILQQV L DUWLNHO RFK L GLUHNWLYHW QlU GHW JlOOHU SURGXNWIDNWDEODG YLG GLVWULEXWLRQ DY VNDGHI|UVlN¤ULQJVSURGXNWHU %HP\QGLJDQGHW J|U GHW lYHQ P|MOLJW DWW JHQRPI|UD GH WHNQLVND VWDQGDUGHU I|U SURGXNWIDNWDEODGHQ VRP

NRPPLVVLRQHQ InU DQWD

%HP\QGLJDQGHW L punkt 3 lU Q\WW RFK DYVHU I|UHVNULIWHU VRP L I|UVWD KDQG EHK|YV I|U DWW JHQRPI|UD GH GHWDOMHUDGH UHJOHU VRP ILQQV L DUWLNHO RFK L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RP XQGHU YLOND I|UXW VlWWQLQJDU LQIRUPDWLRQHQ InU OlPQDV Sn DQQDW YDUDNWLJW PHGLXP lQ SDSSHU

HOOHU Sn HQ ZHEESODWV

Punkt 4 LQQHKnOOHU HWW Q\WW EHP\QGLJDQGH VRP DYVHU YDG HQ I|UVlN ULQJVGLVWULEXW|U VND LDNWWD I|U DWW XSSI\OOD LQIRUPDWLRQVVN\OGLJKHWHQ HQOLJW † *HQRP EHP\QGLJDQGHW lU GHW P|MOLJW I|U UHJHULQJHQ HOOHU GHQ P\Q GLJKHW VRP UHJHULQJHQ EHVWlPPHU DWW LQI|UD GHWDOMHUDGH EHVWlPPHOVHU RP

KXU LQIRUPDWLRQHQ VND WLOOKDQGDKnOODV GHQ DQVWlOOGH

Punkt 5 LQQHKnOOHU HWW Q\WW EHP\QGLJDQGH VRP DYVHU YDG HQ I|UVlN ULQJVGLVWULEXW|U VND LDNWWD I|U DWW XSSI\OOD LQIRUPDWLRQVVN\OGLJKHWHQ YLG VnGDQ NRUVI|UVlOMQLQJ VRP DYVHV L DUWLNHO RFK L I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW VH lYHQ I|UIDWWQLQJVNRPPHQWDUHUQD WLOO RFK ††

Punkt 6 PRWVYDUDU NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ gYHUYlJDQGHQD ILQQV L DYVQLWWHQ RFK

opaginerad NDS <WWHUOLJDUH NUDY I|U I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU Kontrollera mot PDF

NDS <WWHUOLJDUH NUDY I|U I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU

7LOOlPSQLQJVRPUnGH I|U \WWHUOLJDUH NUDY †

3DUDJUDIHQ JHQRPI|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 3DUDJUDIHQ KDU LQWH QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJVI|UPHG

OLQJ HOOHU I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW *HQRP DUWLNHO L 0L),' ,, DQWRJV HPHOOHUWLG YLVVD lQGULQJDU L I|UVlNULQJVI|UPHGOLQJVGLUHNWLYHW NDSLWHO ,,, $ VRP WLOO YLVV GHO |YHUHQVVWlPPHU PHG GH L I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW bYHQ GH UHJOHUQD L I|UVlNULQJVI|UPHGOLQJV GLUHNWLYHW XSSK|U GRFN DWW JlOOD L VDPEDQG PHG DWW I|UVlNULQJVGLVWUL EXWLRQVGLUHNWLYHW WUlGGH L NUDIW DUWLNHO L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW

3DUDJUDIHQ LQQHKnOOHU OLNVRP KHOD NDSLWOHW VlUVNLOGD EHVWlPPHOVHU VRP JlOOHU YLG GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU %HVWlPPHOVHUQD L NDSLWOHW lU WLOO VWRU GHO XWIRUPDGH HIWHU I|UHELOG DY PRWVYDUDQGH EHVWlPPHOVHU L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ O\GHOVH HQOLJW SURS 'H EHVWlPPHOVHUQD JHQRPI|U PRWVYDUDQGH UHJOHU L 0L),' ,, VRP lU I|UHELOG I|U UHJOHUQD L I|UVlNULQJVGLVWULEXWLRQV

GLUHNWLYHW

$Y första stycket I|OMHU DWW GH VlUVNLOGD NUDY VRP DQJHV L NDSLWOHW JlOOHU YLG GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU 'HW LQQH ElU DWW NUDYHQ JlOOHU DOO GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJV SURGXNWHU RFK DWW WLOOlPSQLQJVRPUnGHW GlUPHG lU QnJRW YLGDUH lQ GHW VRP HQOLJW RUGDO\GHOVHQ JlOOHU HQOLJW GLUHNWLYHW L DUWLNHO DQJHV I|UVlNULQJV GLVWULEXWLRQ VRP EHGULYV L VDPEDQG PHG ´I|UVlOMQLQJ´ 9DG VRP DYVHV PHG I|UVlNULQJVGLVWULEXWLRQ RFK I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURG XNWHU DQJHV L NDS RFK †† VH I|UIDWWQLQJVNRPPHQWDUHUQD WLOO GH SDUDJUDIHUQD .UDYHQ RPIDWWDU VDPPDQIDWWQLQJVYLV PHG YLVVD XQGDQWDJ I|UVlNULQJVSURGXNWHU YDUV YlUGH lU H[SRQHUDW PRW PDUNQDGVYRODWLOLWHW )|U DWW DYJ|UD YLOND I|UVlNULQJVSURGXNWHU VRP XSSI\OOHU NULWHULHUQD L GHILQLWLRQHQ PnVWH HQ EHG|PQLQJ L GHW HQVNLOGD IDOOHW J|UDV XWLIUnQ UHVSHNWLYH I|UVlNULQJVDYWDO 6RP HQ XWJnQJVSXQNW E|U Sn PDUNQDGHQ L GDJ I|UHNRPPDQGH IRQGI|UVlNULQJDU GHSnI|UVlNULQJDU RFK WUDGLWLRQHOOW I|UYDOWDGH I|UVlNULQJDU DQVHV XWJ|UD I|UVlNULQJVEDVHUDGH LQYHVWH ULQJVSURGXNWHU

'H \WWHUOLJDUH NUDY VRP GlUPHG JlOOHU I|U I|UVlNULQJVGLVWULEXWLRQ VRP DYVHU GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU LQQHElU L I|UVWD KDQG VN\OGLJKHWHU I|U GHQ DNW|U VRP NXQGHQ YlQGHU VLJ WLOO 6NHU GLVWULEXWLRQHQ JHQRP HQ I|UVlNULQJVI|UPHGODUH lU GHW VnOHGHV I|UPHGODUHQ VRP EO D VND OlPQD LQIRUPDWLRQ WLOO NXQGHQ RP SURGXNWHQ RFK WMlQVWHQ VDPW J|UD YLVVD EHG|PQLQJDU RP SURGXNWHQV OlPSOLJKHW L I|UKnOODQGH WLOO NXQGHQV LQGLYLGXHOOD I|UXWVlWWQLQJDU †† RFK † 9lQGHU VLJ GlUHPRW NXQGHQ GLUHNW WLOO HWW I|UVlNULQJVI|UHWDJ lU GHW I|UHWDJHW VRP VND IXOOJ|UD GH VN\OGLJKHWHUQD 6DPWLGLJW lU IOHUD DY NUDYHQ DY VnGDQ DUW DWW lYHQ I|UVlNULQJVI|UHWDJ VND XSSI\OOD GHP RDYVHWW RP GLVWULEXWLRQHQ VNHU JHQRP HQ I|UVlNULQJVI|UPHGODUH %ODQG DQQDW E|U HWW

I|UVlNULQJVI|UHWDJ VRP GLVWULEXHUDU I|UVlNULQJVEDVHUDGH LQYHVWHULQJV SURGXNWHU XSSUlWWKnOOD YLVVD RUJDQLVDWRULVND RFK DGPLQLVWUDWLYD

I|UIDUDQGHQ I|U DWW I|UKLQGUD LQWUHVVHNRQIOLNWHU VDPW InU LQWH WD HPRW HOOHU

opaginerad WLOOKDQGDKnOOD YLVVD HUVlWWQLQJDU IUnQ QnJRQ DQQDQ lQ NXQGHQ RFK Kontrollera mot PDF

WLOOKDQGDKnOOD YLVVD HUVlWWQLQJDU IUnQ QnJRQ DQQDQ lQ NXQGHQ RFK

††

Andra stycket LQQHKnOOHU HWW I|UEXG PRW DWW VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH GLVWULEXHUDU I|UVlNULQJVEDVHUDGH LQYHVWHULQJV SURGXNWHU DUWLNHO L GLUHNWLYHW LQQHKnOOHU LQGLUHNW HWW PRWVYDUDQGH I|UEXG JHQRP DWW GHW GlU DQJHV DWW UHJOHUQD JlOOHU I|UVlNULQJVI|UHWDJ RFK I|UVlNULQJVI|UPHGODUH 'HWWD JlOOHU lYHQ DQNQXWQD VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUH (Q GHILQLWLRQ DY VLGRYHUNVDP I|UVlNULQJV I|UPHGODUH ILQQV L NDS † VH I|UIDWWQLQJVNRPPHQWDUHQ WLOO GHQ SDUDJUDIHQ )|UEXGHW LQQHElU DWW HQGDVW I|UVlNULQJVI|UHWDJ I|UVlNULQJV I|UPHGODUH RFK I|UVlNULQJVI|UPHGODUH VRP lYHQ lU NUHGLWLQVWLWXW HOOHU YlUGHSDSSHUVI|UHWDJ HQOLJW GHILQLWLRQHQ L DUWLNHO RFK L (XURSDSDUODPHQWHWV RFK UnGHWV I|URUGQLQJ (8 QU DY GHQ MXQL RP WLOOV\QVNUDY I|U NUHGLWLQVWLWXW RFK YlUGHSDSSHUVI|UHWDJ RFK RP lQGULQJ DY I|URUGQLQJ (8 QU InU XWI|UD VnGDQ GLVWULEXWLRQ 'HVVD I|UVlNULQJVGLVWULEXW|UHU VND XW|YHU GH NUDY VRP JlOOHU I|U I|UVlNULQJVGLVWULEXWLRQ L HQOLJKHW PHG NDS † † I|UVWD VW\FNHW † I|UVWD VW\FNHW RFK †† VDPW NDS ± RFK †† lYHQ XSSI\OOD GH VlUVNLOGD NUDY VRP DQJHV L I|UHYDUDQGH NDSLWHO QlU I|UVlNULQJVGLVWULEXWLRQHQ DYVHU I|UVlNULQJVEDVHUDGH LQYHVWHULQJV SURGXNWHU

$Y NDS † I|OMHU DWW HWW IOHUWDO DY EHVWlPPHOVHUQD L I|UHYDUDQGH NDSLWHO JlOOHU lYHQ I|U GLVWULEXWLRQ DY YLVVD SHQVLRQVI|UVlNULQJDU VH I|UIDWWQLQJVNRPPHQWDUHQ WLOO GHQ SDUDJUDIHQ 1nJUD PRWVYDUDQGH EH VWlPPHOVHU RP I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU RFK SHQVLRQV I|UVlNULQJDU ILQQV YDUNHQ L I|UVlNULQJVI|UPHGOLQJVODJHQ HOOHU L I|UVlN ULQJVI|UPHGOLQJVGLUHNWLYHW

gYHUYlJDQGHQD ILQQV L DYVQLWW

)|UHE\JJDQGH DY LQWUHVVHNRQIOLNWHU †

3DUDJUDIHQ JHQRPI|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 3DUDJUDIHQ KDU LQWH QnJRQ PRWVYDULJKHW L I|UVlNULQJVI|UPHGOLQJVODJHQ 3DUDJUDIHQ lU XWIRUPDG HIWHU I|UHELOG DY NDS † ODJHQ RP YlUGH

SDSSHUVPDUNQDGHQ O\GHOVHQ HQOLJW SURS 'HQ SDUDJUDIHQ JHQRPI|U PRWVYDUDQGH UHJOHU L DUWLNHO L 0L),' ,, VRP lU I|UHELOG I|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

3DUDJUDIHQ lU HQ U|UHOVHUHJHO 'HQ LQQHElU DWW HQ I|UVlNULQJVI|UPHGODUH HOOHU HWW I|UVlNULQJVI|UHWDJ XW|YHU GHW VRP I|OMHU DY GH DOOPlQQD UHJOHUQD HQOLJW NDS VND RUJDQLVHUD VLQ YHUNVDPKHW Sn Vn VlWW DWW GH YLGWDU DOOD ULPOLJD nWJlUGHU I|U DWW I|UKLQGUD DWW NXQGHUQDV LQWUHVVHQ SnYHUNDV QHJDWLYW DY LQWUHVVHNRQIOLNWHU , † ILQQV NUDY VRP JlOOHU I|U LGHQWLILHULQJ RFK KDQWHULQJ DY LQWUHVVHNRQIOLNWHU 'HQ SDUDJUDIHQ LQQHElU HQ NXQGVN\GGVUHJHO

*HQRP HWW EHP\QGLJDQGH L † InU UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU PHGGHOD I|UHVNULIWHU PHG \WWHUOLJDUH UHJOHU RP LQWUHVVHNRQIOLNWHU VH I|UIDWWQLQJVNRPPHQWDUHQ WLOO GHQ SDUDJUDIHQ

gYHUYlJDQGHQD ILQQV L DYVQLWW

opaginerad gYHUYlJDQGHQD ILQQV L DYVQLWW Kontrollera mot PDF

+DQWHULQJ DY LQWUHVVHNRQIOLNWHU †

3DUDJUDIHQ JHQRPI|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 3DUDJUDIHQ KDU LQWH QnJRQ PRWVYDULJKHW L I|UVlNULQJVI|UPHGOLQJVODJHQ

3DUDJUDIHQ lU XWIRUPDG HIWHU I|UHELOG DY NDS † ODJHQ RP YlUGHSDS SHUVPDUNQDGHQ O\GHOVHQ HQOLJW SURS 'HQ SDUDJUDIHQ JHQRPI|U PRWVYDUDQGH UHJOHU L DUWLNHO L 0L),' ,, VRP lU I|UHELOG I|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

3DUDJUDIHQ lU HQ NXQGVN\GGVUHJHO 'HQ LQQHElU DWW HQ I|UVlNULQJV I|UPHGODUH RFK HWW I|UVlNULQJVI|UHWDJ DNWLYW RFK O|SDQGH VND YLGWD nW JlUGHU I|U DWW LGHQWLILHUD GH LQWUHVVHNRQIOLNWHU VRP NDQ XSSNRPPD PHOODQ GH DNW|UHU RFK SHUVRQHU VRP DQJHV L EHVWlPPHOVHQ L I|UKnOODQGH WLOO NXQGHU 3DUDJUDIHQ WDU VLNWH Sn VnYlO H[WHUQD VRP LQWHUQD I|UKnOODQGHQ VRP NDQ OHGD WLOO LQWUHVVHNRQIOLNWHU , † ILQQV NUDY VRP JlOOHU GH RUJDQL VDWRULVND RFK DGPLQLVWUDWLYD I|UIDUDQGHQ VRP I|UVlNULQJVI|UPHGODUH RFK I|UVlNULQJVI|UHWDJ VND IDVWVWlOOD RFK WLOOlPSD 'HQ SDUDJUDIHQ lU HQ U|UHOVHUHJHO

1lU HQ LQWUHVVHNRQIOLNW LGHQWLILHUDWV VND I|UVlNULQJVI|UPHGODUHQ HOOHU I|UVlNULQJVI|UHWDJHW L I|UVWD KDQG I|UKLQGUD DWW NXQGHQV LQWUHVVHQ Sn YHUNDV QHJDWLYW )|UVW RP GH I|UIDUDQGHQ VRP GH KDU IDVWVWlOOW RFK WLOOlPSDU HQOLJW † HOOHU nWJlUGHU VRP YLGWDJLWV HQOLJW † I|UVWD VW\FNHW LQWH UlFNHU I|U DWW I|UKLQGUD DWW NXQGHUQDV LQWUHVVHQ NDQ NRPPD DWW SnYHUNDV QHJDWLYW VND GH L VWlOOHW LQIRUPHUD NXQGHQ RP DUWHQ DY HOOHU NlOODQ WLOO LQWUHVVHNRQIOLNWHQ L JRG WLG LQQDQ HWW I|UVlNULQJVDYWDO LQJnV %HVWlPPHOVHQ LQQHElU DWW NXQGHQ QlU LQWUHVVHNRQIOLNWHQ LQWH NDQ I|UKLQGUDV VND In I|UXWVlWWQLQJDU DWW IDWWD HWW YlOJUXQGDW EHVOXW L I|UKnOODQGH WLOO GHQ YHUNVDPKHW GlU LQWUHVVHNRQIOLNWHQ XSSVWnWW .XQGHQ VND VnOHGHV In EHVOXWVXQGHUODJ L IUnJD RP DWW Jn YLGDUH HOOHU DYEU\WD GHQ DNWXHOOD I|UVlNULQJVGLVWULEXWLRQHQ ,QQHE|UGHQ DY DWW LQIRUPDWLRQ VND OlPQDV L JRG WLG YDULHUDU EHURHQGH Sn RPVWlQGLJKHWHUQD L GHW HQVNLOOGD IDOOHW VH VNlOHQ ± WLOO I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RFK I|UIDWWQLQJVNRPPHQWDUHQ WLOO NDS †

'HWDOMHUDGH UHJOHU NRPPHU DWW DQJHV L GHOHJHUDGH DNWHU VRP DQWDV DY NRPPLVVLRQHQ VH DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW *HQRP HWW EHP\QGLJDQGH L † InU UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU PHGGHOD I|UHVNULIWHU PHG \WWHUOLJDUH UHJOHU RP KDQWHULQJ DY LQWUHVVHNRQIOLNWHU VH I|UIDWWQLQJVNRPPHQWDUHQ WLOO GHQ SDUDJUDIHQ 2P GH GHOHJHUDGH DNWHUQD DQWDV L IRUP DY GLUHNWLY NDQ UHJOHUQD JHQRPI|UDV L VYHQVN UlWW L I|UHVNULIWHU VRP PHGGHODV PHG VW|G DY GHW EHP\QGLJDQGHW

gYHUYlJDQGHQD ILQQV L DYVQLWW

,QIRUPDWLRQ WLOO NXQGHU

Information om försäkringsdistributionen och om risker

†

3DUDJUDIHQ JHQRPI|U GHOYLV DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVG LUHNWLYHW

3DUDJUDIHQ KDU LQWH QnJRQ PRWVYDULJKHW L I|UVlNULQJVI|UPHGOLQJVODJHQ

3DUDJUDIHQ lU XWIRUPDG HIWHU I|UHELOG DY NDS † ODJHQ RP YlUGHSDS

opaginerad SHUVPDUNQDGHQ O\GHOVHQ HQOLJW SURS 'HQ SDUDJUDIHQ Kontrollera mot PDF

SHUVPDUNQDGHQ O\GHOVHQ HQOLJW SURS 'HQ SDUDJUDIHQ

JHQRPI|U PRWVYDUDQGH UHJOHU L DUWLNHO L 0L),' ,, VRP lU I|UHELOG

I|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

3DUDJUDIHQ LQQHKnOOHU NUDY Sn LQIRUPDWLRQ WLOO NXQGHU 'H LQQHElU DWW HQ

I|UVlNULQJVI|UPHGODUH HOOHU HWW I|UVlNULQJVI|UHWDJ XW|YHU GHW VRP JlOOHU

HQOLJW NDS RFK †† VDPW †† VND I|UVH VLQD NXQGHU PHG OlPSOLJ

RFK OlWWEHJULSOLJ LQIRUPDWLRQ L JRG WLG LQQDQ HWW I|UPHGOLQJVDYWDO HOOHU HWW

I|UVlNULQJVDYWDO LQJnV

,QIRUPDWLRQHQ VND JH NXQGHUQD ULPOLJD P|MOLJKHWHU DWW I|UVWn DUWHQ DY

RFK YLOND ULVNHU VRP lU I|UNQLSSDGH PHG GHQ I|UVlNULQJVGLVWULEXWLRQ RFK

GH I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU VRP I|UVlNULQJVI|UPHG

ODUHQ HOOHU I|UVlNULQJVI|UHWDJHW HUEMXGHU

,QIRUPDWLRQHQ InU OlPQDV L VWDQGDUGLVHUDG IRUP YLONHW LQQHElU DWW

I|UVlNULQJVGLVWULEXW|UHQ L GH IDOO GHW lU P|MOLJW NDQ XSSUlWWD HWW

LQIRUPDWLRQVPDWHULDO VRP OlPQDV WLOO VDPWOLJD NXQGHU .XQGHU KDU

HPHOOHUWLG UlWW DWW HQOLJW † DQGUD VW\FNHW Sn EHJlUDQ In HQ XSSGHOQLQJ DY

DOOD NRVWQDGHU RFK DYJLIWHU

9LOND XSSJLIWHU VRP VND OlPQDV DQJHV L † RFK L † \WWHUOLJDUH

XSSJLIWHU QlU GHW JlOOHU GLVWULEXWLRQ VRP RPIDWWDU UnGJLYQLQJ VH

GHILQLWLRQHQ DY UnGJLYQLQJ L NDS † RFK I|UIDWWQLQJVNRPPHQWDUHQ

WLOO GHQ SDUDJUDIHQ

*HQRP HWW EHP\QGLJDQGH L † InU UHJHULQJHQ HOOHU GHQ P\QGLJKHW

VRP UHJHULQJHQ EHVWlPPHU PHGGHOD I|UHVNULIWHU PHG \WWHUOLJDUH UHJOHU

RP LQIRUPDWLRQ WLOO NXQGHU VH I|UIDWWQLQJVNRPPHQWDUHQ WLOO GHQ SDUD

JUDIHQ

gYHUYlJDQGHQD ILQQV L DYVQLWW

Information vid alla typer av försäkringsdistribution

†

3DUDJUDIHQ JHQRPI|U GHOYLV DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHN

WLYHW

3DUDJUDIHQ KDU LQWH QnJRQ PRWVYDULJKHW L I|UVlNULQJVI|UPHGOLQJVODJHQ

3DUDJUDIHQ lU XWIRUPDG HIWHU I|UHELOG DY NDS † ODJHQ RP YlUGH

SDSSHUVPDUNQDGHQ O\GHOVHQ HQOLJW SURS 'HQ SDUDJUDIHQ

JHQRPI|U PRWVYDUDQGH UHJOHU L DUWLNHO L 0L),' ,, VRP lU I|UHELOG

I|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

3DUDJUDIHQ LQQHKnOOHU NUDY Sn GHQ LQIRUPDWLRQ VRP HQ I|UVlNULQJV

I|UPHGODUH HOOHU HWW I|UVlNULQJVI|UHWDJ DOOWLG VND I|UVH NXQGHU PHG QlU

GLVWULEXWLRQHQ DYVHU I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU

$Y första stycket I|OMHU DWW HQ I|UVlNULQJVI|UPHGODUH HOOHU HWW I|UVlN

ULQJVI|UHWDJ VND I|UVH NXQGHU PHG LQIRUPDWLRQ RP I|UVlNULQJVEDVHUDGH

LQYHVWHULQJVSURGXNWHU RFK I|UHVODJQD SODFHULQJVVWUDWHJLHU 7HUPHQ EHWDO

QLQJDU E|U L GHWWD VDPPDQKDQJ JHV HQ YLG LQQHE|UG RFK LQQHIDWWDU W H[

DOOD HUVlWWQLQJDU RFK DYJLIWHU VRP NUlYV I|U WLOOKDQGDKnOODQGHW DY HQ

WMlQVW .UDYHW Sn LQIRUPDWLRQ RP KXU NXQGHQ InU EHWDOD I|U NRVWQDGHU RFK

DYJLIWHU LQQHElU DWW LQIRUPDWLRQ VND OlPQDV RP YLOONRU I|U EHWDOQLQJ HOOHU

DQQDQ IXOOJ|UDQGH

(QOLJW andra stycket VND LQIRUPDWLRQHQ RP NRVWQDGHU RFK DYJLIWHU VRP

LQWH RUVDNDV DY XQGHUOLJJDQGH PDUNQDGVULVN UlNQDV VDPPDQ Vn DWW

NXQGHQ GHOV NDQ I|UVWn GHQ WRWDOD NRVWQDGHQ GHOV GHQ NXPXODWLYD

opaginerad gYHUYlJDQGHQD ILQQV L DYVQLWW Kontrollera mot PDF

HIIHNWHQ Sn LQYHVWHULQJHQV DYNDVWQLQJ 'HW VLVWQlPQGD LQQHElU DWW LQIRU PDWLRQHQ lYHQ VND OlPQDV L HIWHUKDQG WLOO NXQGHU PHG YLOND I|UVlNULQJV I|UPHGODUHQ HOOHU I|UHVlNULQJVI|UHWDJHW KDU HQ IRUWO|SDQGH UHODWLRQ VRP lU OlQJUH lQ HWW nU 2P NXQGHQ EHJlU GHW VND HQ XSSGHOQLQJ SHU SRVW JHV ,QIRUPDWLRQHQ VND L I|UHNRPPDQGH IDOO JHV WLOO NXQGHQ UHJHOEXQGHW nWPLQVWRQH nUOLJHQ XQGHU LQYHVWHULQJHQV YDUDNWLJKHW

*HQRP HWW EHP\QGLJDQGH L † InU UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU PHGGHOD I|UHVNULIWHU PHG \WWHUOLJDUH UHJOHU RP LQIRUPDWLRQ WLOO NXQGHU VH I|UIDWWQLQJVNRPPHQWDUHQ WLOO GHQ SDUD JUDIHQ

gYHUYlJDQGHQD ILQQV L DYVQLWW

Ytterligare information när rådgivning tillhandahålls

†

3DUDJUDIHQ JHQRPI|U GHOYLV DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHN WLYHW

3DUDJUDIHQ KDU LQWH QnJRQ PRWVYDULJKHW L I|UVlNULQJVI|UPHGOLQJVODJHQ 3DUDJUDIHQ lU XWIRUPDG HIWHU I|UHELOG DY NDS † ODJHQ RP YlUGH SDSSHUVPDUNQDGHQ O\GHOVHQ HQOLJW SURS 'HQ SDUDJUDIHQ JHQRPI|U PRWVYDUDQGH UHJOHU L DUWLNHO L 0L),' ,, VRP lU I|UHELOG

I|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

3DUDJUDIHQ LQQHKnOOHU VlUVNLOGD LQIRUPDWLRQVNUDY VRP JlOOHU QlU HQ I|UVlNULQJVI|UPHGODUH HOOHU HWW I|UVlNULQJVI|UHWDJ WLOOKDQGDKnOOHU UnGJLY QLQJ (Q GHILQLWLRQ DY UnGJLYQLQJ ILQQV L NDS † VH I|UIDWWQLQJV NRPPHQWDUHQ WLOO GHQ SDUDJUDIHQ .UDYHQ JlOOHU XW|YHU GH NUDY VRP

DQJHV L †

Punkt 1 LQQHElU DWW HQ I|UVlNULQJVI|UPHGODUH VND J|UD NODUW I|U NXQGHQ RP UnGJLYQLQJHQ WLOOKDQGDKnOOV Sn JUXQGYDO DY HQ SHUVRQOLJ RFK RSDUWLVN DQDO\V HOOHU LQWH 6N\OGLKHWHQ LQQHElU GRFN LQJHW \WWHUOLJDUH NUDY HIWHUVRP HQ VnGDQ VN\OGLJKHW UHGDQ I|UHOLJJHU HQOLJW NDS † )|U HQ I|UVlNULQJVI|UPHGODUH VRP LQIRUPHUDU NXQGHQ RP DWW GHQ WLOOKDQGDKnOOHU UnGJLYQLQJ Sn JUXQGYDO DY HQ SHUVRQOLJ RFK RSDUWLVN DQDO\V JlOOHU GH NUDY

VRP DQJHV L NDS RFK ††

,QIRUPDWLRQ VND HQOLJW punkt 2 lYHQ OlPQDV RP GHQ DQDO\V DY I|UVlN ULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU VRP UnGJLYQLQJHQ JUXQGDV Sn RFK RP XUYDOHW DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU VRP DQDO\V HUDWV 6nGDQ LQIRUPDWLRQ VND OlPQDV RDYVHWW RP GHW lU IUnJD RP UnGJLY QLQJ Sn JUXQGYDO DY HQ SHUVRQOLJ RFK RSDUWLVND DQDO\V HOOHU LQWH ,QIRUPD WLRQHQ VND VlUVNLOW DYVH RP UnGHW EDVHUDV Sn HWW XUYDO DY I|UVlNULQJV EDVHUDGH LQYHVWHULQJVSURGXNWHU VRP lU EHJUlQVDW WLOO I|UVlNULQJDU VRP KHOW HOOHU GHOYLV XWYHFNODWV DY I|UVlNULQJVI|UPHGODUHQ HOOHU I|UVlNULQJV I|UHWDJHW I|UHWDJ PHG QlUD I|UELQGHOVHU WLOO GHW HOOHU I|UHWDJ VRP KDU DQGUD UlWWVOLJD HOOHU HNRQRPLVND I|UELQGHOVHU VRP lU Vn QlUD DWW GHW NDQ ULVNHUD DWW I|UVlPUD I|UXWVlWWQLQJDUQD I|U I|UVlNULQJVI|UPHGODUHQ HOOHU I|UVlNULQJVI|UHWDJHW DWW WLOOYDUDWD NXQGHQV LQWUHVVHQ 'HQ LQIRUPDWLRQHQ lU UHOHYDQW QlU HWW I|UVlNULQJVI|UHWDJ WLOOKDQGDKnOOHU UnGJLYQLQJ HOOHU HQ I|UVlNULQJVI|UPHGODUH WLOOKDQGDKnOOHU UnGJLYQLQJ VRP LQWH VNHU Sn

JUXQGYDO DY HQ SHUVRQOLJ RFK RSDUWLVN DQDO\V 9LG UnGJLYQLQJ Sn JUXQGYDO

DY HQ SHUVRQOLJ RFK RSDUWLVN DQDO\V InU I|UVlNULQJVEDVHUDGH

LQYHVWHULQJVSURGXNWHU VRP KHOW HOOHU GHOYLV XWYHFNODWV DY I|UVlNULQJV

opaginerad gYHUYlJDQGHQD ILQQV L DYVQLWW Kontrollera mot PDF

I|UPHGODUHQ VMlOYW I|UHWDJ PHG QlUD I|UELQGHOVHU WLOO I|UVlNULQJV I|UPHGODUHQ HOOHU DQGUD I|UHWDJ VRP Sn QnJRW DQQDW VlWW KDU QlUD DQNQ\WQLQJ WLOO I|UVlNULQJVI|UPHGODUHQ |YHUKXYXGWDJHW LQWH LQJn L XUYDOHW VH NDS † RFK I|UIDWWQLQJVNRPPHQWDUHQ WLOO GHQ SDUDJUDIHQ (Q GHILQLWLRQ DY QlUD I|UELQGHOVHU ILQQV L NDS † VH lYHQ DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

Punkt 3 LQQHElU DWW HWW I|UVlNULQJVI|UHWDJ HOOHU HQ I|UVlNULQJVI|UPHG ODUH VND LQIRUPHUD NXQGHU RP KXUXYLGD GHW UHJHOEXQGHW NRPPHU DWW EH G|PD OlPSOLJKHWHQ DY GH I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU VRP NXQGHQ UHNRPPHQGHUDWV

*HQRP HWW EHP\QGLJDQGH L † InU UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU PHGGHOD I|UHVNULIWHU PHG \WWHUOLJDUH UHJOHU RP LQIRUPDWLRQ WLOO NXQGHU VH I|UIDWWQLQJVNRPPHQWDUHQ WLOO GHQ SDUD JUDIHQ

gYHUYlJDQGHQD ILQQV L DYVQLWW

(UVlWWQLQJDU WLOO RFK IUnQ WUHGMHSDUW †

3DUDJUDIHQ JHQRPI|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 3DUDJUDIHQ KDU LQWH QnJRQ PRWVYDULJKHW L I|UVlNULQJVI|UPHGOLQJVODJHQ 3DUDJUDIHQ lU XWIRUPDG HIWHU I|UHELOG DY NDS † ODJHQ RP YlUGH

SDSSHUVPDUNQDGHQ O\GHOVHQ HQOLJW SURS 'HQ SDUDJUDIHQ JHQRPI|U PRWVYDUDQGH UHJOHU L DUWLNHO L 0L),' ,, VRP lU I|UHELOG I|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

, SDUDJUDIHQ DQJHV GH NUDY VRP PnVWH YDUD XSSI\OOGD I|U DWW HQ I|UVlNULQJVI|UPHGODUH HOOHU HWW I|UVlNULQJVI|UHWDJ VND In EHWDOD HOOHU WD HPRW HQ HUVlWWQLQJ IUnQ HQ WUHGMHSDUW L VDPEDQG PHG GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU HOOHU HQ VLGRWMlQVW 2UGHQ ´L VDPEDQG PHG´ LQQHElU DWW EHVWlPPHOVHQ lYHQ RPIDWWDU HUVlWWQLQJDU VRP I|UHNRPPHU L OHG OlQJUH EDN L YHUNVDPKHWHQ lQ L I|UKnOODQGH WLOO VOXWNXQGHQ 0HG VLGRWMlQVW DYVHV HQ WMlQVW VRP WLOOKDQGDKnOOV YLG VLGDQ DY HOOHU WLOOVDPPDQV PHG I|UVlNULQJVGLVWULEXWLRQ W H[ NUHGLWI|UPHGOLQJ HOOHU LQYHVWHULQJVUnGJLYQLQJ 'HW LQQHElU DWW L SDUDJUDIHQ DYVHV PHG VLGRWMlQVW LQWH GHWVDPPD VRP L NDS † ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ MIU DUWLNHO L 0L),' ,,

(Q I|UVlNULQJVI|UPHGODUH HOOHU HWW I|UVlNULQJVI|UHWDJ InU L VDPEDQG PHG GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU HOOHU HQ VLGRWMlQVW HUEMXGD HOOHU WD HPRW HUVlWWQLQJ IUnQ QnJRQ DQQDQ lQ NXQGHQ EDUD RP HUVlWWQLQJHQ LQWH KDU QnJRQ QHJDWLY LQYHUNDQ Sn GHQ UHOHYDQWD WMlQVWHQ HOOHU GHQ GLVWULEXHUDGH I|UVlNULQJVSURGXNWHQ RFK LQWH I|UVlPUDU I|UVlNULQJVI|UPHGODUHQV HOOHU I|UVlNULQJVI|UHWDJHWV I|UXWVlWWQLQJDU DWW XSSI\OOD VLQD VN\OGLJKHWHU DWW DJHUD KHGHUOLJW UlWWYLVW RFK SURIHVVLRQHOOW L HQOLJKHW PHG NXQGHQV LQWUHVVH

.UDYHQ JlOOHU I|U I|UVlNULQJVI|UPHGODUH RFK I|UVlNULQJVI|UHWDJ YLG DOO I|UVlNULQJVGLVWULEXWLRQVYHUNVDPKHW VRP KDU VDPEDQG PHG I|UVlNULQJV EDVHUDGH LQYHVWHULQJVSURGXNWHU RFK VLGRWMlQVWHU RFK L I|UKnOODQGH WLOO VnYlO SURIHVVLRQHOOD NXQGHU VRP LFNH SURIHVVLRQHOOD NXQGHU 'H PnVWH VnOHGHV DOOWLG YDUD XSSI\OOGD I|U DWW HQ I|UVlNULQJVI|UPHGODUH HOOHU HWW I|UVlNULQJVI|UHWDJ VRP WLOOKDQGDKnOOHU I|UVlNULQJVGLVWULEXWLRQ HOOHU HQ

VLGRWMlQVW WLOO HQ NXQG VND In OlPQD HOOHU WD HPRW HQ HUVlWWQLQJ , NDS †

opaginerad gYHUYlJDQGHQD ILQQV L DYVQLWW Kontrollera mot PDF

ILQQV \WWHUOLJDUH EHJUlQVQLQJDU QlU GHW JlOOHU HUVlWWQLQJDU L VDPEDQG PHG DWW I|UVlNULQJVGLVWULEXWLRQ WLOOKDQGDKnOOV L IRUP DY UnGJLYQLQJ Sn JUXQGYDO DY HQ RSDUWLVN RFK SHUVRQOLJ DQDO\V (Q HUVlWWQLQJ VRP LQWH lU WLOOnWHQ HQOLJW SDUDJUDIHQ lU LQWH KHOOHU WLOOnWHQ HQOLJW NDS † (Q HUVlWWQLQJ VRP lU WLOOnWHQ HQOLJW GHQ SDUDJUDIHQ NDQ GRFN L YLVVD IDOO YDUD I|UEMXGHQ HQOLJW I|UHYDUDQGH SDUDJUDI

0HG HUVlWWQLQJ DYVHV OLNVRP L † RFK NDS † DOOD SURYLVLRQHU HUVlWWQLQJDU NRVWQDGHU HOOHU DQGUD EHWDOQLQJDU LQEHJULSHW HNRQRPLVND HUVlWWQLQJDU DY DOOD VODJ HOOHU HYHQWXHOOD DQGUD ILQDQVLHOOD HOOHU LFNH ILQDQVLHOOD I|UPnQHU HOOHU LQFLWDPHQW VRP HUEMXGV HOOHU XWEHWDODV PHG DYVHHQGH Sn I|UVlNULQJVGLVWULEXWLRQVYHUNVDPKHW VH NDS † RFK DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 2OLND IRUPHU DY UDEDWWHU RPIDWWDV RFNVn

.UDYHQ I|U DWW HQ HUVlWWQLQJ HOOHU I|UPnQ VND YDUD WLOOnWHQ NRPPHU DWW SUHFLVHUDV JHQRP GHWDOMHUDGH UHJOHU L GHOHJHUDGH DNWHU VRP DQWDV DY NRPPLVVLRQHQ VH DUWLNHO RFK L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW 'H UHJOHUQD JHQRPI|UV LQWH L ODJ XWDQ L P\QGLJKHWVI|UH VNULIWHU RP GH GHOHJHUDGH DNWHUQD DQWDV L IRUP DY GLUHNWLY RP GH DQWDV L IRUP DY I|URUGQLQJ lU GH GLUHNW WLOOlPSOLJD *HQRP HWW EHP\QGLJDQGH L † InU UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU PHGGHOD I|UHVNULIWHU RP NULWHULHUQD I|U DWW EHG|PD YLOND HUVlWWQLQJDU RFK I|UPnQHU HQ I|UVlNULQJVI|UPHGODUH HOOHU HWW I|UVlNULQJVI|UHWDJ InU OlPQD WLOO HOOHU WD HPRW DY QnJRQ DQQDQ lQ NXQGHQ VDPW YLOND XSSJLIWHU VRP VND OlPQDV WLOO NXQGHQ RP HUVlWWQLQJDU RFK I|UPnQHU VRP HQ I|UVlNULQJV I|UPHGODUH HOOHU HWW I|UVlNULQJVI|UHWDJ OlPQDU WLOO HOOHU WDU HPRW DY QnJRQ DQQDQ lQ NXQGHQ VH I|UIDWWQLQJVNRPPHQWDUHQ WLOO GHQ SDUDJUDIHQ

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ KDU LQWH QnJRQ PRWVYDULJKHW L I|UVlNULQJVGLVWULEXWLRQVGLUHN WLYHW HOOHU I|UVlNULQJVI|UPHGOLQJVODJHQ

3DUDJUDIHQ DQJHU GH NUDY VRP I|UVlNULQJVI|UPHGODUH RFK I|UVlNULQJV I|UHWDJ XW|YHU GHP L † PnVWH XSSI\OOD I|U DWW GH VND In EHWDOD HQ HUVlWW QLQJ WLOO HOOHU WD HPRW HQ HUVlWWQLQJ IUnQ HQ WUHGMHSDUW L VDPEDQG PHG GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU HOOHU HQ VLGR WMlQVW VH I|UIDWWQLQJVNRPPHQWDUHQ WLOO † RP YDG VRP DYVHV PHG VLGR WMlQVW

3DUDJUDIHQ LQQHElU DWW HWW I|UVlNULQJVI|UHWDJ HOOHU HQ I|UVlNULQJVI|U PHGODUH L VDPEDQG PHG GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWH ULQJVSURGXNWHU HOOHU HQ VLGRWMlQVW LQWH InU HUEMXGD HOOHU WD HPRW HUVlWWQLQJ VRP WLOO YlVHQWOLJ GHO DYVHU WMlQVWHU VRP lQQX LQWH XWI|UWV WLOO VLQ VWRUOHN EDVHUDV Sn SUHPLHEHWDOQLQJDU VRP lQQX LQWH EHWDODWV HOOHU L DQQDW IDOO YDUV VWRUOHN VWnU L XSSHQEDUW PLVVI|UKnOODQGH WLOO GH WMlQVWHU VRP XWI|UV

%HVWlPPHOVHQ LQQHElU HWW I|UEXG PRW EO D YLVVD V N XS IURQW HUVlWW QLQJDU L VDPEDQG PHG GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJV SURGXNWHU %HVWlPPHOVHQ E|U WLOOlPSDV Sn HUVlWWQLQJDU VRP EHWDODV QlU I|UVlNULQJVSURGXNWHQ WHFNQDV HOOHU I|UVlNULQJVNDSLWDOHW IO\WWDV RFK VRP EHUlNQDV HIWHU HQ YLVV SURFHQW DY GHW LQYHVWHUDGH EHORSSHW I|UVlNULQJV NDSLWDOHW HOOHU GH I|UVlNULQJVSUHPLHU VRP NXQGHQ I|UYlQWDV EHWDOD XQGHU

I|UVlNULQJVSHULRGHQ

opaginerad GLVWULEXWLRQHQ VND XWI|UDV UHODWLYW QlUD L WLG Kontrollera mot PDF

, GH DOOUD IOHVWD IDOO WRUGH HQ HUVlWWQLQJ VRP LQWH lU WLOOnWHQ HQOLJW EH

VWlPPHOVHQ YDUD RWLOOnWHQ UHGDQ HQOLJW NDS † HOOHU L YDUW IDOO DQVHV

SnYHUND WMlQVWHQ QHJDWLYW HQOLJW † %HVWlPPHOVHQ LQQHElU HPHOOHUWLG

LQWH L VLJ HWW I|UEXG PRW YLVVD HUVlWWQLQJVPRGHOOHU VnVRP EHVWnQGVHUVlWW

QLQJ RFK VWRFNHUVlWWQLQJ (Q HUVlWWQLQJVPRGHOO PnVWH GRFN DOOWLG YDUD

XWIRUPDG Sn HWW VnGDQW VlWW DWW GHQ lU I|UHQOLJ PHG GH NUDY VRP VWlOOV XSS

L |YULJW L ODJHQ %HVWlPPHOVHQ E|U WRONDV L OMXVHW DY DWW GHW lU HUVlWWQLQJDU

VRP W\SLVNW VlWW LQQHElU LQWUHVVHNRQIOLNWHU RFK YDUV VWRUOHN VWnU L

XSSHQEDUW PLVVI|UKnOODQGH WLOO GHQ I|UVlNULQJVGLVWULEXWLRQ VRP XWI|UV VRP

VND WUlIIDV DY I|UEXGHW 'HW LQQHElU DWW GHQ LQWH KHOOHU VWlOOHU XSS QnJRW

DEVROXW I|UEXG PRW DWW HUVlWWQLQJ XWJnU L I|UKnOODQGH WLOO I|UVlNULQJV

GLVWULEXWLRQ VRP lQQX LQWH XWI|UWV Vn OlQJH HUVlWWQLQJHQV VWRUOHN RFK GHQ

WLG VRP I|UVNRWWVEHWDOQLQJHQ DYVHU LQWH DYYLNHU L QnJRQ YlVHQWOLJ PnQ

2P HQ I|UVlNULQJVWDJDUH EHWDODU HQ I|UVlNULQJVSUHPLH lU GHW DOOWVn L

SULQFLS WLOOnWHW DWW SURYLVLRQ XWJnU L I|UKnOODQGH WLOO GHQ SUHPLHQ lYHQ RP

QnJRQ I|UVlNULQJVI|UPHGOLQJ LQWH XWI|UWV RP DYVLNWHQ lU DWW

GLVWULEXWLRQHQ VND XWI|UDV UHODWLYW QlUD L WLG

*HQRP HWW EHP\QGLJDQGH L † InU UHJHULQJHQ HOOHU GHQ P\QGLJKHW

VRP UHJHULQJHQ EHVWlPPHU PHGGHOD I|UHVNULIWHU PHG \WWHUOLJDUH UHJOHU

RP HUVlWWQLQJDU RFK DQGUD I|UPnQHU VH I|UIDWWQLQJVNRPPHQWDUHQ WLOO GHQ

SDUDJUDIHQ

gYHUYlJDQGHQD ILQQV L DYVQLWW

.UDY Sn OlPSOLJKHWVEHG|PQLQJ QlU UnGJLYQLQJ WLOOKDQGDKnOOV

†

3DUDJUDIHQ JHQRPI|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

3DUDJUDIHQ KDU LQWH QnJRQ PRWVYDULJKHW L I|UVlNULQJVI|UPHGOLQJVODJHQ

3DUDJUDIHQ lU XWIRUPDG HIWHU I|UHELOG DY NDS † ODJHQ RP YlUGHSDS

SHUVPDUNQDGHQ O\GHOVHQ HQOLJW SURS 'HQ SDUDJUDIHQ

JHQRPI|U PRWVYDUDQGH UHJOHU L DUWLNHO L 0L),' ,, VRP lU I|UHELOG

I|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

3DUDJUDIHQ LQQHKnOOHU VlUVNLOGD NUDY Sn GHQ OlPSOLJKHWVEHG|PQLQJ

VRP YLG VLGDQ DY EHKRYVSU|YQLQJ HQOLJW NDS † VND XWI|UDV QlU HQ

I|UVlNULQJVI|UPHGODUH HOOHU HWW I|UVlNULQJVI|UHWDJ WLOOKDQGDKnOOHU UnGJLY

QLQJ VH GHILQLWLRQHQ DY UnGJLYQLQJ L NDS † RFK I|UIDWWQLQJVNRP

PHQWDUHQ WLOO GHQ SDUDJUDIHQ

(Q I|UVlNULQJVI|UPHGODUH HOOHU HWW I|UVlNULQJVI|UHWDJ VND HQOLJW första

stycket KlPWD LQ Q|GYlQGLJD XSSJLIWHU IUnQ NXQGHQ RP GHQQHV NXQVNDSHU

RFK HUIDUHQKHWHU DY GHQ VSHFLILND W\SHQ DY SURGXNW HOOHU WMlQVW VDPW RP

GHQQHV HNRQRPLVND VLWXDWLRQ RFK PnO PHG LQYHVWHULQJHQ Vn DWW I|UVlN

ULQJVI|UPHGODUHQ HOOHU I|UVlNULQJVI|UHWDJHW NDQ UHNRPPHQGHUD NXQGHQ

GH I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU VRP lU OlPSOLJD I|U GHQQH

8SSJLIWHUQD RP NXQGHQV HNRQRPLVND VLWXDWLRQ RFK LQYHVWHULQJVPnO VND

HQOLJW andra stycket YDUD WLOOUlFNOLJD I|U DWW I|UVlNULQJVI|UPHGODUHQ HOOHU

I|UVlNULQJVI|UHWDJHW VND NXQQD J|UD HQ EHG|PQLQJ DY RFK VlUVNLOW EHDNWD

NXQGHQV P|MOLJKHW DWW NODUD DY I|UOXVWHU RFK NXQGHQV ULVNWROHUDQV

(QOLJW tredje stycket VRP JlOOHU GHW IDOOHW DWW HWW I|UVlNULQJVI|UHWDJ HOOHU

HQ I|UVlNULQJVI|UPHGODUH WLOOKDQGDKnOOHU UnGJLYQLQJ RP HQ I|UVlNULQJV

EDVHUDG LQYHVWHULQJVSURGXNW WLOOVDPPDQV PHG LQYHVWHULQJVUnGJLYQLQJ RP

HWW ILQDQVLHOOW LQVWUXPHQW L HQOLJKHW PHG NDS † ODJHQ RP YlUGHSDS

opaginerad gYHUYlJDQGHQD ILQQV L DYVQLWW Kontrollera mot PDF

SHUVPDUNQDGHQ VND I|UVlNULQJVI|UPHGODUHQ HOOHU I|UVlNULQJVI|UHWDJHW EHG|PD OlPSOLJKHWHQ DY |YHUHQVNRPPHOVHQ HOOHU SDNHWHW VRP KHOKHW /lPSOLJKHWVEHG|PQLQJHQ LQQHElU L GHVVD IDOO DWW EHG|PQLQJHQ VND RPIDWWD NRPELQDWLRQHQ DY WMlQVWHU HOOHU SURGXNWHU YLG NRUVI|UVlOMQLQJ HQOLJW NDS RFK †† GYV VRP HQ GHO DY HWW SDNHW HOOHU QlU HQ LQYHVWHULQJVWMlQVW HUEMXGV VRP HWW YLOONRU I|U VDPPD |YHUHQVNRPPHOVH HOOHU SDNHW

)|OMGHQ DY DWW HQ NXQG LQWH OlPQDU XSSJLIWHU HQOLJW SDUDJUDIHQ HOOHU OlPQDU RIXOOVWlQGLJD XSSJLIWHU lU DWW I|UVlNULQJVI|UPHGODUHQ HOOHU I|UVlN ULQJVI|UHWDJHW LQWH InU OlPQD QnJRQ UHNRPPHQGDWLRQ WLOO NXQGHQ

.UDYHQ QlU GHW JlOOHU OlPSOLJKHWVEHG|PQLQJ NRPPHU DWW SUHFLVHUDV JHQRP GHWDOMHUDGH UHJOHU L GHOHJHUDGH DNWHU VRP DQWDV DY NRPPLVVLRQHQ VH DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 'H UHJOHUQD JHQRPI|UV GRFN LQWH L ODJ XWDQ L P\QGLJKHWVI|UHVNULIWHU RP GH GHOHJHUDGH DNWHUQD DQWDV L IRUP DY GLUHNWLY RP GH DQWDV L IRUP DY I|URUGQLQJ lU GH GLUHNW WLOOlPSOLJD *HQRP HWW EHP\QGLJDQGH L EHP\QGLJDQGH L † InU UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU PHGGHOD I|UH VNULIWHU RP YDG HQ I|UVlNULQJVI|UPHGODUH HOOHU HWW I|UVlNULQJVI|UHWDJ VND LDNWWD YLG LQKlPWDQGH DY XSSJLIWHU IUnQ VLQD NXQGHU

gYHUYlJDQGHQD ILQQV L DYVQLWW

.UDY Sn SDVVDQGHEHG|PQLQJ QlU UnGJLYQLQJ LQWH WLOOKDQGDKnOOV †

3DUDJUDIHQ JHQRPI|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 3DUDJUDIHQ KDU LQWH QnJRQ PRWVYDULJKHW L I|UVlNULQJVI|UPHGOLQJVODJHQ 3DUDJUDIHQ lU XWIRUPDG HIWHU I|UHELOG DY NDS † ODJHQ RP YlUGH

SDSSHUVPDUNQDGHQ O\GHOVHQ HQOLJW SURS 'HQ SDUDJUDIHQ JHQRPI|U PRWVYDUDQGH UHJOHU L DUWLNHO L 0L),' ,, VRP lU I|UHELOG I|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

3DUDJUDIHQ LQQHKnOOHU NUDY Sn GHQ SDVVDQGHEHG|PQLQJ VRP VND XWI|UDV QlU HQ I|UVlNULQJVI|UPHGODUH HOOHU HWW I|UVlNULQJVI|UHWDJ WLOOKDQGDKnOOHU DQQDQ I|UVlNULQJVGLVWULEXWLRQ lQ UnGJLYQLQJ VH GHILQLWLRQHQ DY UnGJLYQLQJ L NDS † RFK I|UIDWWQLQJVNRPPHQDUHQ WLOO GHQ SDUDJUDIHQ 0HG GHWWD DYVHV W H[ VnGDQ GLVWULEXWLRQ VRP VNHU JHQRP WLOOKDQGDKnOODQGH DY GLJLWDOD SODWWIRUPDU GlU NXQGHQ VMlOY NDQ YlOMD DWW WHFNQD I|UVlNULQJDU VDPW ILQDQVLHOOD LQVWUXPHQW PRW YLOND I|UVlNULQJHQV YlUGH VND H[SRQHUDV PRW bYHQ PDUNQDGVI|ULQJ DY I|UVlNULQJDU RFK WLOO GHP NQXWQD ILQDQVLHOOD LQVWUXPHQW RPIDWWDV VnWLOOYLGD WMlQVWHUQD LQWH XWJ|U LQYHVWHULQJVUnGJLYQLQJ HQOLJW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ

)|U I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU PRWVYDUDU SDVVDQGH EHG|PQLQJHQ GHQ SU|YQLQJ DY NXQGHQV NUDY RFK EHKRY VRP I|OMHU DY NDS † 'HQ VHQDUH SU|YQLQJHQ LQQHElU DOOWVn LQJD DQGUD NUDY L GHW DYVHHQGHW 6N\OGLJKHWHQ DWW EHDNWD NXQGHQV NUDY RFK EHKRY HQOLJW NDS † I|UHOLJJHU GRFN HQGDVW L I|UKnOODQGH WLOO GLVWULEXWLRQ VRP VNHU LQI|U LQJnHQGH DY HWW I|UVlNULQJVDYWDO 'HQ I|UHYDUDQGH SDUDJUDIHQ LQQHElU HPHOOHUWLG DWW HQ SDVVDQGHEHG|PQLQJ lYHQ VND J|UDV L I|UKnOODQGH WLOO I|UVlNULQJVGLVWULEXWLRQ VRP VNHU L I|UKnOODQGH WLOO UHGDQ LQJnQJQD I|UVlNULQJVDYWDO RP LQWH XQGDQWDJ I|UHOLJJHU HQOLJW † 'HQ

VNLOOQDGHQ PHOODQ QlU HQ NUDY RFK EHKRYVSU|YQLQJ UHVSHNWLYH HQ

SDVVDQGHEHG|PQLQJ VND VNH EHURU Sn DWW I|UVlNULQJVEDVHUDGH LQYHVWH

opaginerad OLYVOlQJG Kontrollera mot PDF

ULQJVSURGXNWHU WLOOVNLOOQDG IUnQ DQGUD I|UVlNULQJVW\SHU RIWD P|MOLJJ|U

GLVSRVLWLRQHU LQRP DYWDOHW XQGHU VWRUD GHODU DY I|UVlNULQJVDYWDOHWV

OLYVOlQJG

(Q I|UVlNULQJVI|UPHGODUH HOOHU HWW I|UVlNULQJVI|UHWDJ VND HQOLJW första

stycket EHJlUD DWW NXQGHQ OlPQDU XSSJLIWHU RP VLQD NXQVNDSHU RFK

HUIDUHQKHWHU DY GHQ HUEMXGQD HOOHU HIWHUIUnJDGH W\SHQ DY SURGXNW HOOHU

WMlQVW Vn DWW I|UPHGODUHQ HOOHU I|UWDJHW NDQ EHG|PD RP GHQ WLOOKDQGD

KnOOQD I|UVlNULQJVWMlQVWHQ HOOHU I|UVlNULQJVSURGXNWHQ SDVVDU NXQGHQ 2P

GHQ WMlQVWHQ DYVHU HQ NRPELQDWLRQ DY WMlQVWHU HOOHU SURGXNWHU VRP DYVHV L

NDS RFK †† VND EHG|PQLQJHQ DYVH |YHUHQVNRPPHOVHQ HOOHU

SDNHWHW VRP KHOKHW

(QOLJW andra stycket VND HQ I|UVlNULQJVI|UPHGODUH HOOHU HWW I|UVlNULQJV

I|UHWDJ RP GHW PRW EDNJUXQG DY GH XSSJLIWHU VRP GHW KDU InWW DQVHU DWW

WMlQVWHQ HOOHU SURGXNWHQ LQWH SDVVDU NXQGHQ YDUQD NXQGHQ RP GHWWD

)|OMGHQ DY DWW HQ NXQG LQWH OlPQDU XSSJLIWHU HQOLJW SDUDJUDIHQ HOOHU

OlPQDU RIXOOVWlQGLJD XSSJLIWHU lU HQOLJW tredje stycket DWW I|UVlNULQJV

I|UPHGODUHQ HOOHU I|UVlNULQJVI|UHWDJHW VND YDUQD NXQGHQ RP DWW I|UPHG

ODUHQ HOOHU I|UHWDJHW LQWH NDQ DYJ|UD RP SURGXNWHQ SDVVDU NXQGHQ

.UDYHQ QlU GHW JlOOHU SDVVDQGHEHG|PQLQJ NRPPHU DWW SUHFLVHUDV

JHQRP GHWDOMHUDGH UHJOHU L GHOHJHUDGH DNWHU VRP DQWDV DY NRPPLVVLRQHQ

VH DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 'H UHJOHUQD

JHQRPI|UV GRFN LQWH L ODJ XWDQ L P\QGLJKHWVI|UHVNULIWHU RP GH GHOHJHUDGH

DNWHUQD DQWDV L IRUP DY GLUHNWLY RP GH DQWDV L IRUP DY I|URUGQLQJ lU GH

GLUHNW WLOOlPSOLJD *HQRP HWW EHP\QGLJDQGH L † InU UHJHULQJHQ HOOHU

GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU PHGGHOD I|UHVNULIWHU RP YDG

HQ I|UVlNULQJVI|UPHGODUH HOOHU HWW I|UVlNULQJVI|UHWDJ VND LDNWWD YLG

LQKlPWDQGH DY XSSJLIWHU IUnQ VLQD NXQGHU

gYHUYlJDQGHQD ILQQV L DYVQLWW

8QGDQWDJ IUnQ NUDY Sn SDVVDQGHEHG|PQLQJ

†

3DUDJUDIHQ JHQRPI|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

3DUDJUDIHQ KDU LQWH QnJRQ PRWVYDULJKHW L I|UVlNULQJVI|UPHGOLQJVODJHQ

3DUDJUDIHQ lU XWIRUPDG HIWHU I|UHELOG DY NDS † ODJHQ RP YlUGH

SDSSHUVPDUNQDGHQ O\GHOVHQ HQOLJW SURS 'HQ SDUDJUDIHQ

JHQRPI|U PRWVYDUDQGH UHJOHU L DUWLNHO L 0L),' ,, VRP lU I|UHELOG

I|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

3DUDJUDIHQ LQQHKnOOHU XQGDQWDJ IUnQ NUDY Sn GHQ SDVVDQGHEHG|PQLQJ

VRP VND XWI|UDV HQOLJW † QlU HQ I|UVlNULQJVI|UPHGODUH HOOHU HWW I|UVlN

ULQJVI|UHWDJ WLOOKDQGDKnOOHU DQQDQ I|UVlNULQJVGLVWULEXWLRQ lQ UnGJLYQLQJ

8QGDQWDJHW lU SUDNWLNHQ HQGDVW DY EHW\GHOVH L I|UKnOODQGH WLOO

GLVWULEXWLRQ VRP VNHU L I|UKnOODQGH WLOO UHGDQ LQJnQJQD I|UVlNULQJVDYWDO

'HW EHURU Sn DWW HWW I|UVlNULQJVI|UHWDJ HOOHU I|UVlNULQJVI|UPHGODUH lYHQ L

GH IDOO XQGDQWDJHW lU WLOOlPSOLJW PnVWH J|UD HQ NUDY RFK EHKRYVSU|YQLQJ

HQOLJW NDS † RP GLVWULEXWLRQHQ VNHU LQI|U LQJnHQGHW DY HWW

I|UVlNULQJVDYWDO 'HQ VHQDUH SU|YQLQJHQ PRWVYDUDU SDVVDQGH

EHG|PQLQJHQ QlU GHW NRPPHU WLOO I|UVlNULQJVEDVHUDGH LQYHVWHULQJV

SURGXNWHU VH NRPPHQWDUHQ WLOO †

8QGDQWDJHW RPIDWWDU HQOLJW första stycket 1 a I|UVlNULQJVDYWDO VRP

HQGDVW JHU H[SRQHULQJ PRW ILQDQVLHOOD LQVWUXPHQW VRP EHG|PV VRP

opaginerad QLQJHQ DY I|UVlNULQJVHUVlWWQLQJ Kontrollera mot PDF

RNRPSOLFHUDGH GYV W H[ DQGHODU L YLVVD IRQGHU RFK DNWLHU RFK REOLJDWLRQHU VRP WDJLWV XSS WLOO KDQGHO Sn HQ UHJOHUDG PDUNQDG )|U DWW XQGDQWDJHW VND YDUD WLOOlPSOLJW InU I|UVlNULQJVDYWDOHW LQWH LQQHKnOOD HQ VWUXNWXU VRP J|U GHW VYnUW I|U NXQGHQ DWW I|UVWn GHQ ULVN VRP DYWDOHW lU I|UHQDG PHG 0HG GHWWD E|U DYVHV W H[ YLOONRU VRP EHJUlQVDU XWEHWDO

QLQJHQ DY I|UVlNULQJVHUVlWWQLQJ

(QOLJW första stycket 1 b RPIDWWDV lYHQ RNRPSOLFHUDGH I|UVlNULQJV EDVHUDGH LQYHVWHULQJVSURGXNWHU 6RP HQ XWJnQJVSXQNW E|U GHW DYVH SURGXNWHU PHG HJHQVNDSHU VRP HQ JHQRPVQLWWOLJ NXQG KDU OlWW DWW I|UVWn )|UXWVlWWQLQJDUQD I|U DWW HQ I|UVlNULQJVEDVHUDG LQYHVWHULQJVSURGXNW VND DQVHV RNRPSOLFHUDG NRPPHU HPHOOHUWLG DWW SUHFLVHUDV JHQRP GHWDOMHUDGH UHJOHU L GHOHJHUDGH DNWHU VRP DQWDV DY NRPPLVVLRQHQ VH DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 'H UHJOHUQD JHQRPI|UV L VYHQVN UlWW GRFN LQWH L ODJ XWDQ L P\QGLJKHWVI|UHVNULIWHU RP GH GHOHJHUDGH DNWHUQD DQWDV L IRUP DY GLUHNWLY RP GH DQWDV L IRUP DY I|URUGQLQJ lU GH GLUHNW WLOOlPSOLJD *HQRP HWW EHP\QGLJDQGH L † InU UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU PHGGHOD I|UHVNULIWHU RP YLOND LQYHVWHULQJVSURGXNWHU VRP VND DQVHV RNRPSOLFHUDGH

9LGDUH NRPPHU (LRSD PHG EHDNWDQGH DY NRPPLVVLRQHQ GHOHJHUDGH DNWHU DWW XWDUEHWD VDPW XSSGDWHUD ULNWOLQMHU I|U EHG|PQLQJHQ DY YLOND VWUXNWXUHU VRP VND DQVHV J|UD GHW VYnUW I|U NXQGHQ DWW I|UVWn GHQ GlUPHG I|UEXQGQD ULVNHQ DUWLNHO VDPW YLOND I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU VRP VND NODVVLILFHUDV VRP RNRPSOLFHUDGH DUWLNHO

8QGDQWDJHW InU HQOLJW punkt 2 WLOOlPSDV EDUD RP I|UVlNULQJVGLVWULEX WLRQHQ WLOOKDQGDKnOOV Sn NXQGHQV LQLWLDWLY 'HVVXWRP NUlYV HQOLJW punkt 3 DWW NXQGHQ NODUW RFK W\GOLJW KDU LQIRUPHUDWV RP DWW I|UVlNULQJVI|UPHG

ODUHQ HOOHU I|UVlNULQJVI|UHWDJHW LQWH NRPPHU DWW J|UD QnJRQ SDVVDQGH EHG|PQLQJ HQOLJW † (QOLJW andra stycket InU VnGDQ LQIRUPDWLRQ

OlPQDV L VWDQGDUGLVHUDG IRUP

Tredje stycket VRP LQWH KDU QnJRQ PRWVYDULJKHW L I|UVlNULQJVGLVWULEX WLRQVGLUHNWLYHW lU XWIRUPDW HIWHU I|UHELOG DY NDS † WUHGMH VW\FNHW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ 'HW LQQHElU DWW XQGDQWDJHW IUnQ SDVVDQGHEHG|PQLQJ LQWH InU WLOOlPSDV RP I|UVlNULQJVI|UPHGODUHQ HOOHU I|UVlNULQJVI|UHWDJHW VRP HQ VLGRWMlQVW EHYLOMDU NXQGHQ HWW OnQ HOOHU HQ NUHGLW I|U DWW JHQRPI|UD GLVSRVLWLRQHQ L IUnJD 0HG XWWU\FNHW GLVSRVLWLRQ DYVHV WHFNQDQGH DY HWW Q\WW I|UVlNULQJVDYWDO HQ IO\WW DY NDSLWDOHW PHOODQ WYn I|UVlNULQJVDYWDO HOOHU HQ EHWDOQLQJ LQRP UDPHQ I|U HWW EHILQWOLJW I|UVlNULQJVDYWDO 6W\FNHW WDU VLNWH Sn EHYLOMDQGHW DY HWW OnQ HOOHU HQ NUHGLW RFK JlOOHU VnOHGHV LQWH RP NXQGHQ XWQ\WWMDU HQ EHILQWOLJ NUHGLWOLPLW

gYHUYlJDQGHQD ILQQV L DYVQLWW

'RNXPHQWDWLRQ RFK UDSSRUWHULQJ WLOO NXQGHU †

3DUDJUDIHQ JHQRPI|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 3DUDJUDIHQ KDU LQWH QnJRQ PRWVYDULJKHW L I|UVlNULQJVI|UPHGOLQJVODJHQ 3DUDJUDIHQ lU XWIRUPDG HIWHU I|UHELOG DY NDS † ODJHQ RP YlUGH

SDSSHUVPDUNQDGHQ O\GHOVHQ HQOLJW SURS 'HQ SDUDJUDIHQ JHQRPI|U PRWVYDUDQGH UHJOHU L DUWLNHO L 0L),' ,, VRP lU I|UHELOG

I|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

opaginerad %HVWlPPHOVHQ EHKDQGODV L DYVQLWW Kontrollera mot PDF

3DUDJUDIHQ LQQHElU HQ VN\OGLJKHW I|U HQ I|UVlNULQJVI|UPHGODUH HOOHU HWW I|UVlNULQJVI|UHWDJ DWW GRNXPHQWHUD YDG I|UPHGODUHQ HOOHU I|UHWDJHW RFK HQ NXQG KDU NRPPLW |YHUHQV RP QlU GHW JlOOHU SDUWHUQDV UlWWLJKHWHU RFK VN\OGLJKHWHU VDPW |YULJD YLOONRU

.UDYHQ QlU GHW JlOOHU DYWDO RP WLOOKDQGDKnOODQGH DY WMlQVWHU WLOO NXQGHU NRPPHU DWW SUHFLVHUDV JHQRP GHWDOMHUDGH UHJOHU L GHOHJHUDGH DNWHU VRP DQWDV DY NRPPLVVLRQHQ VH DUWLNHO L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW 'H UHJOHUQD JHQRPI|UV GRFN LQWH L ODJ XWDQ L P\QGLJKHWV I|UHVNULIWHU RP GH GHOHJHUDGH DNWHUQD DQWDV L IRUP DY GLUHNWLY RP GH DQWDV L IRUP DY I|URUGQLQJ lU GH GLUHNW WLOOlPSOLJD *HQRP HWW EHP\Q GLJDQGH L † InU UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU PHGGHOD I|UHVNULIWHU RP GRNXPHQWDWLRQ WLOO NXQGHU

%HVWlPPHOVHQ EHKDQGODV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U GHOYLV DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHN WLYHW

3DUDJUDIHQ KDU LQWH QnJRQ PRWVYDULJKHW L I|UVlNULQJVI|UPHGOLQJVODJHQ 3DUDJUDIHQ lU XWIRUPDG HIWHU I|UHELOG DY NDS † ODJHQ RP YlUGH SDSSHUVPDUNQDGHQ O\GHOVHQ HQOLJW SURS 'HQ SDUDJUDIHQ JHQRPI|U PRWVYDUDQGH UHJOHU L DUWLNHO L 0L),' ,, VRP lU I|UHELOG I|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

3DUDJUDIHQ LQQHKnOOHU NUDY Sn GHQ UDSSRUWHULQJ VRP HQ I|UVlNULQJV I|UPHGODUH HOOHU HWW I|UVlNULQJVI|UHWDJ VND OlPQD WLOO HQ NXQG RP GH WMlQVWHU I|UPHGODUH HOOHU I|UHWDJHW KDU XWI|UW I|U NXQGHQ 5DSSRUWHULQJHQ VND OlPQDV Sn HWW YDUDNWLJW PHGLXP (Q GHILQLWLRQ DY YDUDNWLJW PHGLXP ILQQV L NDS † VH I|UIDWWQLQJVNRPPHQWDUHQ WLOO GHQ SDUDJUDIHQ )|UVlNULQJVI|UPHGODUHQ HOOHU I|UVlNULQJVI|UHWDJHW VND L I|UHNRPPDQGH IDOO OlPQD OlPSOLJD UHJHOEXQGQD PHGGHODQGHQ WLOO NXQGHU

.UDYHQ QlU GHW JlOOHU UHJHOEXQGQD UDSSRUWHU WLOO NXQGHU NRPPHU DWW SUHFLVHUDV JHQRP GHWDOMHUDGH UHJOHU L GHOHJHUDGH DNWHU VRP DQWDV DY NRPPLVVLRQHQ VH DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 'H UHJOHUQD JHQRPI|UV GRFN LQWH L ODJ XWDQ L P\QGLJKHWVI|UHVNULIWHU RP GH GHOHJHUDGH DNWHUQD DQWDV L IRUP DY GLUHNWLY RP GH DQWDV L IRUP DY I|URUGQLQJ lU GH GLUHNW WLOOlPSOLJD *HQRP HWW EHP\QGLJDQGH L † InU UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU PHGGHOD I|UHVNULIWHU RP UDSSRUWHULQJ WLOO NXQGHU

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U GHOYLV DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHN WLYHW

3DUDJUDIHQ KDU LQWH QnJRQ PRWVYDULJKHW L I|UVlNULQJVI|UPHGOLQJVODJHQ 3DUDJUDIHQ lU XWIRUPDG HIWHU I|UHELOG DY NDS RFK †† ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ O\GHOVHQ HQOLJW SURS 'HQ SDUDJUDIHQ JHQRPI|U PRWVYDUDQGH UHJOHU L DUWLNHO L 0L),' ,, VRP lU I|UHELOG I|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

3DUDJUDIHQ LQQHKnOOHU VlUVNLOGD NUDY Sn GRNXPHQWDWLRQ RFK GHQ

UDSSRUWHULQJ VRP HQ I|UVlNULQJVI|UPHGODUH HOOHU HWW I|UVlNULQJVI|UHWDJ

opaginerad WLOO GHQ SDUDJUDIHQ Kontrollera mot PDF

VND OlPQD WLOO NXQGHU QlU I|UPHGODUHQ HOOHU I|UHWDJHW XWI|U UnGJLYQLQJ VH GHILQLWLRQHQ DY UnGJLYQLQJ L NDS † RFK I|UIDWWQLQJVNRPPHQWDUHQ

WLOO GHQ SDUDJUDIHQ

(QOLJW första stycket VND HQ I|UVlNULQJVI|UPHGODUH HOOHU HWW I|UVlNULQJV I|UHWDJ VRP WLOOKDQGDKnOOHU UnGJLYQLQJ WLOO HQ NXQG OlPQD HQ WLOOIUHGV VWlOODQGH GRNXPHQWDWLRQ VRP DQJHU GHW UnG VRP OlPQDWV RFK KXU GHW VYDUDU PRW NXQGHQV HJHQVNDSHU HQ V N OlPSOLJKHWVI|UNODULQJ .UDYHW DWW OlPQD HQ OlPSOLJKHWVI|UNODULQJ JlOOHU RDYVHWW RP UnGJLYQLQJHQ I|OMV DY HQ GLVSRVLWLRQ HOOHU EDUD LQQHElU HWW UnG RP DWW YLGWD HQ GLVSRVLWLRQ 'HQ GRNXPHQWDWLRQ VRP OlPQDV WLOO NXQGHQ VND OLNVRP QlU GHW JlOOHU UDSSRUW HULQJ HQOLJW † YDUD WLOOIUHGVVWlOODQGH 'HW LQQHElU DWW LQIRUPDWLRQHQ VND YDUD WLOOUlFNOLJW W\GOLJ RFK XWI|UOLJ I|U DWW WLOOJRGRVH EHKRYHQ KRV NXQGHQ 'HW QlUPDUH NUDYHW Sn LQIRUPDWLRQ E|U L GHQ PnQ GHOHJHUDGH DNWHU VRP KDU DQWDJLWV DY NRPPLVVLRQHQ LQWH JHU YlJOHGQLQJ EHG|PDV PRW EDNJUXQG DY GH NUDY VRP VWlOOV Sn I|UVlNULQJVI|UPHGODUH RFK I|UVlN ULQJVI|UHWDJ QlU GHW JlOOHU OlPSOLJKHWVEHG|PQLQJ VH † 'RNXPHQ WDWLRQHQ VND I|UXWRP L GH IDOO VRP IUDPJnU DY DQGUD VW\FNHW OlPQDV WLOO

NXQGHQ LQQDQ HQ GLVSRVLWLRQ XWI|UV I|U NXQGHQ

Andra stycket JlOOHU DYWDO VRP LQJnU PHG KMlOS DY WHNQLN I|U GLVWDQV NRPPXQLNDWLRQ 0HG GHW DYVHV W H[ QlU HWW DYWDO LQJnV SHU WHOHIRQ RFK GHW LQWH ILQQV P|MOLJKHW DWW L I|UYlJ OlPQD HQ OlPSOLJKHWVI|UNODULQJ /lPSOLJKHWVI|UNODULQJHQ InU Gn WLOOKDQGDKnOODV NXQGHQ HIWHU DWW GLVSRVL WLRQHQ XWI|UWV 'HW InU GRFN J|UDV HQGDVW XQGHU I|UXWVlWWQLQJ DWW NXQGHQ JHWW VLWW VDPW\FNH WLOO GHWWD RFK HUEMXGLWV P|MOLJKHWHQ DWW VNMXWD XSS GLVSRVLWLRQHQ I|U DWW I|UVW In GHO DY OlPSOLJKHWVI|UNODULQJHQ , IUnJD RP GHQ WLGSXQNW YLG YLONHQ OlPSOLJKHWVEHG|PQLQJ VND OlPQDV ± GYV VQDUDVW HIWHU GHW DWW HWW DYWDO KDU LQJnWWV ± lU EHVWlPPHOVHUQD XWIRUPDGH HIWHU I|UHELOG DY NDS † IMlUGH VW\FNHW RFK † DQGUD VW\FNHW ODJHQ RP

GLVWDQVDYWDO RFK DYWDO XWDQI|U DIIlUVORNDOHU

Tredje stycket JlOOHU QlU HQ I|UVlNULQJVI|UPHGODUH HOOHU HWW I|UVlNULQJV I|UHWDJ LQIRUPHUDW NXQGHQ RP DWW I|UPHGODUHQ HOOHU I|UHWDJHW NRPPHU DWW J|UD HQ UHJHOEXQGHQ OlPSOLJKHWVEHG|PQLQJ MIU † )|UVlNULQJVI|U PHGODUHQ HOOHU I|UVlNULQJVI|UHWDJHW VND L VLQ UHJHOEXQGQD UDSSRUWHULQJ WLOO NXQGHQ L VnGDQD IDOO JH HQ XSSGDWHUDG I|UNODULQJ WLOO KXU LQYHVWHULQJHQ PRWVYDUDU NXQGHQV SUHIHUHQVHU PnO RFK DQGUD HJHQVNDSHU MIU †

.UDYHQ QlU GHW JlOOHU UDSSRUWHU WLOO NXQGHU YLG UnGJLYQLQJ NRPPHU DWW SUHFLVHUDV JHQRP GHWDOMHUDGH UHJOHU L GHOHJHUDGH DNWHU VRP DQWDV DY NRPPLVVLRQHQ DNWHU VH DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 'H UHJOHUQD JHQRPI|UV GRFN LQWH L ODJ XWDQ L P\QGLJKHWVI|UHVNULIWHU RP GH GHOHJHUDGH DNWHUQD DQWDV L IRUP DY GLUHNWLY RP GH DQWDV L IRUP DY I|URUGQLQJ lU GH GLUHNW WLOOlPSOLJD *HQRP HWW EHP\QGLJDQGH L † InU UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU PHGGHOD I|UHVNULIWHU RP UDSSRUWHULQJ WLOO NXQGHU

gYHUYlJDQGHQD ILQQV L DYVQLWW

%HP\QGLJDQGHQ †

3DUDJUDIHQ LQQHKnOOHU EHP\QGLJDQGHQ I|U UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU DWW PHGGHOD I|UHVNULIWHU L ROLND DYVHHQGHQ

s. 1 %HP\QGLJDQGHQD KDU LQWH QnJUD PRWVYDULJKHWHU L ODJHQ RP I|UVlNULQJV Kontrollera mot PDF

%HP\QGLJDQGHQD KDU LQWH QnJUD PRWVYDULJKHWHU L ODJHQ RP I|UVlNULQJV

I|UPHGOLQJ

%HP\QGLJDQGHQD L punkterna 1 RFK 2 RFK DYVHU I|UHVNULIWHU VRP

EHK|YV I|U DWW JHQRPI|UD UHJOHUQD L GH GHOHJHUDGH DNWHU VRP NRPPLV

VLRQHQ VND DQWD HQOLJW DUWLNHO D RFK E L I|UVlNULQJVGLVWULEXWLRQV

GLUHNWLYHW RP GH DQWDV L IRUP DY GLUHNWLY 'HVVD I|UHVNULIWHU VND VWlOOD

NUDY Sn V\VWHP VRP lU SURSRUWLRQHUOLJD L I|UKnOODQGH WLOO GHQ YHUNVDPKHW

VRP EHGULYV GH I|UVlNULQJVSURGXNWHU VRP VlOMV RFK DUWHQ DY GLVWULEXW|U

MIU DUWLNHO L GLUHNWLYHW 9LGDUH VND GH GRNXPHQWDWLRQVNUDY VRP V\IWDU

WLOO DWW J|UD HQ HIIHNWLY WLOOV\Q P|MOLJ DQJHV

%HP\QGLJDQGHW L punkt 3 DYVHU I|UHVNULIWHU RP YLONHQ LQIRUPDWLRQ HQ

I|UVlNULQJVI|UPHGODUH HOOHU HWW I|UVlNULQJVI|UHWDJ VND OlPQD WLOO VLQD

NXQGHU

%HP\QGLJDQGHQD L punkt 4 DYVHU I|UHVNULIWHU VRP EHK|YV I|U DWW

JHQRPI|UD UHJOHUQD L GH GHOHJHUDGH DNWHU VRP NRPPLVVLRQHQ VND DQWD

HQOLJW DUWLNHO D RFK E L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RP GH

DQWDV L IRUP DY GLUHNWLY 9LGDUH DYVHU EHP\QGLJDQGHW I|UHVNULIWHU VRP

EHK|YV I|U DWW QlUPDUH DQJH YLOND HUVlWWQLQJDU VRP VND YDUD I|UEMXGQD

HQOLJW † )|UHVNULIWHUQD VND DYVH NULWHULHUQD I|U DWW EHG|PD YLOND

HUVlWWQLQJDU RFK I|UPnQHU HQ I|UVlNULQJVI|UPHGODUH HOOHU HWW

I|UVlNULQJVI|UHWDJ InU OlPQD WLOO HOOHU WD HPRW DY QnJRQ DQQDQ lQ NXQGHQ

VDPW YLOND XSSJLIWHU L VDPEDQG GlUPHG VRP VND OlPQDV WLOO NXQGHQ 'H

E|U EHDNWD DUWHQ DY GH WMlQVWHU VRP NXQGHQ HUEMXGV HOOHU WLOOKDQGDKnOOV

PHG EHDNWDQGH DY GLVSRVLWLRQHQV W\S I|UHPnO VWRUOHN RFK IUHNYHQV VDPW

DUWHQ DY GH SURGXNWHU VRP HUEMXGV HOOHU WDV XQGHU |YHUYlJDQGH LQNOXVLYH

ROLND W\SHU DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU MIU DUWLNHO

L GLUHNWLYHW

%HP\QGLJDQGHQD L punkt 5 DYVHU I|UHVNULIWHU VRP EHK|YV I|U DWW

JHQRPI|UD UHJOHUQD L GH GHOHJHUDGH DNWHU VRP NRPPLVVLRQHQ VND DQWD

HQOLJW DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RP GH DQWDV L IRUP

DY GLUHNWLY )|UHVNULIWHUQD VND DYVH YDG HQ I|UVlNULQJVI|UPHGODUH HOOHU HWW

I|UVlNULQJVI|UHWDJ VND LDNWWD YLG LQKlPWDQGH DY XSSJLIWHU IUnQ VLQD

NXQGHU RFK YLG HQ OlPSOLJKHWVEHG|PQLQJ RFK SDVVDQGHEHG|PQLQJ 'H

E|U EHDNWD DUWHQ DY GH WMlQVWHU VRP HUEMXGV HOOHU WLOOKDQGDKnOOV NXQGHQ

PHG EHDNWDQGH DY GLVSRVLWLRQHQV W\S I|UHPnO VWRUOHN RFK IUHNYHQV DUWHQ

DY GH SURGXNWHU VRP HUEMXGV HOOHU WDV XQGHU |YHUYlJDQGH LQNOXVLYH ROLND

W\SHU DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU VDPW NXQGHQV

VWlOOQLQJ VRP LFNH SURIHVVLRQHOO HOOHU SURIHVVLRQHOO NXQG

%HP\QGLJDQGHW L punkt 6 DYVHU I|UHVNULIWHU VRP EHK|YV I|U DWW

JHQRPI|UD UHJOHUQD L GH GHOHJHUDGH DNWHU VRP NRPPLVVLRQHQ VND DQWD

HQOLJW DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RP GH DQWDV L IRUP

DY GLUHNWLY )|UHVNULIWHUQD DYVHU YLOND I|UVlNULQJVEDVHUDGH LQYHVWH

ULQJVSURGXNWHU VRP VND DQVHV KD HQ VWUXNWXU VRP J|U GHW VYnUW I|U NXQGHQ

DWW I|UVWn GHQ ULVN VRP DYWDOHW lU I|UHQDW PHG HQOLJW † I|UVWD VW\FNHW D

VDPW VND DQVHV RNRPSOLFHUDGH HQOLJW † I|UVWD VW\FNHW E 'H

I|UHVNULIWHUQD VND lYHQ EHDNWD GH ULNWOLQMHU VRP (LRSD NRPPHU XWDUEHWD

HQOLJW DUWLNHO RFK

%HP\QGLJDQGHW L punkt 7 DYVHU I|UHVNULIWHU VRP EHK|YV I|U DWW

JHQRPI|UD UHJOHUQD L GH GHOHJHUDGH DNWHU VRP NRPPLVVLRQHQ VND DQWD

HQOLJW DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW RP GH DQWDV L IRUP

DY GLUHNWLY )|UHVNULIWHUQD DYVHU YDG HQ I|UVlNULQJVI|UPHGODUH HOOHU HWW

s. 2 gYHUYlJDQGHQD ILQQV L DYVQLWW Kontrollera mot PDF

I|UVlNULQJVI|UHWDJ VND LDNWWD YLG GRNXPHQWDWLRQ RFK UDSSRUWHULQJ WLOO NXQGHU 'HVVD I|UHVNULIWHU VND EHDNWD DUWHQ DY GH WMlQVWHU VRP HUEMXGV HOOHU WLOOKDQGDKnOOV NXQGHQ PHG EHDNWDQGH DY GLVSRVLWLRQHQV W\S I|UHPnO VWRUOHN RFK IUHNYHQV DUWHQ DY GH SURGXNWHU VRP HUEMXGV HOOHU WDV XQGHU |YHUYlJDQGH LQNOXVLYH ROLND W\SHU DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU VDPW NXQGHQV VWlOOQLQJ VRP LFNH SURIHVVLRQHOO HOOHU SURIHVVLRQHOO NXQG

gYHUYlJDQGHQD ILQQV L DYVQLWW

NDS <WWHUOLJDUH NUDY I|U SHQVLRQVI|UVlNULQJDU 7LOOlPSQLQJVRPUnGH I|U \WWHUOLJDUH NUDY PP †

3DUDJUDIHQ KDU LQWH QnJRQ PRWVYDULJKHW L I|UVlNULQJVGLVWULEXWLRQVGLUHN WLYHW HOOHU I|UVlNULQJVI|UPHGOLQJVODJHQ

3DUDJUDIHQ LQQHKnOOHU VlUVNLOGD EHVWlPPHOVHU VRP JlOOHU YLG GLVWULEX WLRQ DY SHQVLRQVI|UVlNULQJDU VRP lU H[SRQHUDGH PRW PDUNQDGVYRODWLOLWHW 3DUDJUDIHQ LQQHElU DWW IOHUD DY GH EHVWlPPHOVHU L NDS PHG \WWHUOLJDUH NUDY YLG GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU JlOOHU lYHQ YLG GLVWULEXWLRQ DY SHQVLRQVI|UVlNULQJDU VRP lU H[SRQHUDGH PRW PDUNQDGVYRODWLOLWHW bYHQ I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU lU H[SRQHUDGH PRW PDUNQDGVYRODWLOLWHW VH GHILQLWLRQHQ L NDS † RFK

I|UIDWWQLQJVNRPPHQWDUHQ WLOO GHQ SDUDJUDIHQ

'H DQJLYQD EHVWlPPHOVHUQD L NDS JlOOHU I|UE\JJDQGH RFK KDQWHULQJ DY LQWUHVVHNRQIOLNWHU NDS RFK †† HUVlWWQLQJDU IUnQ WUHGMHSDUW NDS RFK †† OlPSOLJKHWVEHG|PQLQJ YLG UnGJLYQLQJ NDS † VDPW GRNXPHQWDWLRQ RFK UDSSRUWHULQJ NDS ± †† VH I|UIDWW QLQJVNRPPHQWDUHUQD WLOO GH SDUDJUDIHUQD

gYHUYlJDQGHQD ILQQV L DYVQLWW

%HP\QGLJDQGHQ †

3DUDJUDIHQ LQQHKnOOHU EHP\QGLJDQGHQ I|U UHJHULQJHQ HOOHU GHQ P\QGLJKHW

VRP UHJHULQJHQ EHVWlPPHU DWW PHGGHOD I|UHVNULIWHU L ROLND DYVHHQGHQ (QOLJW punkterna 1 ± 5 InU UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP

UHJHULQJHQ EHVWlPPHU PHGGHOD I|UHVNULIWHU RP GH NUDY L NDS VRP JlOOHU HQOLJW † lYHQ YLG GLVWULEXWLRQ DY SHQVLRQVI|UVlNULQJDU VRP lU H[SRQHUDGH PRW PDUNQDGVYRODWLOLWHW 'HW PRWVYDUDU GHW VRP JlOOHU HQOLJW NDS † 7LOO VNLOOQDG IUnQ GLVWULEXWLRQ DY I|UVlNULQJVEDVHUDGH LQYHVWH ULQJVSURGXNWHU ILQQV GHW QlU GHW JlOOHU GLVWULEXWLRQ DY SHQVLRQVI|UVlN ULQJDU L RFK I|U VLJ LQWH QnJUD UHJOHU L GHOHJHUDGH DNWHU VRP DQWDV DY NRPPLVVLRQHQ 'H I|UVNULIWHU VRP PHGGHODV PHG VW|G DY EHP\QGLJDQ GHQD L GHVVD SXQNWHU E|U GRFN L DOOW YlVHQWOLJW PRWVYDUD GHP VRP JlOOHU

I|U I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU lYHQ L GHW DYVHHQGHW %HP\QGLJDQGHW L punkt 7 LQQHElU HQ P|MOLJKHW DWW DQJH XQGDQWDJ IUnQ

GH NUDY VRP DQJHV L † 'HWWD NDQ YDUD PRWLYHUDW RP GHW YLVDU VLJ DWW GH GLVWULEXWLRQVIRUPHU VRP IUDPI|U DOOW WMlQVWHSHQVLRQVSURGXNWHU GLVWUL EXHUDV JHQRP J|U GHW VYnUW HOOHU RP|MOLJW DWW XSSI\OOD NUDYHQ (WW VnGDQW

s. 3 gYHUYlJDQGHQD ILQQV L DYVQLWW Kontrollera mot PDF

XQGDQWDJ PnVWH HPHOOHUWLG DOOWLG YlJDV PRW GHW |NDGH NXQGVN\GG VRP GH \WWHUOLJDUH NUDYHQ LQQHElU

gYHUYlJDQGHQD ILQQV L DYVQLWW

NDS 7LOOV\Q 5HJLVWUHULQJVP\QGLJKHW RFK ††

3DUDJUDIHUQD JHQRPI|U DUWLNHO I|UVWD VW\FNHW RFK GHOYLV DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

3DUDJUDIHUQD PRWVYDUDU NDS RFK †† ODJHQ RP I|UVlNULQJVI|UPHG OLQJ

3DUDJUDIHUQD LQQHKnOOHU EHVWlPPHOVHU RP UHJLVWUHULQJVP\QGLJKHW I|U I|UVlNULQJVI|UPHGODUH RFK XWOlQGVND I|UVlNULQJVI|UPHGODUH

gYHUYlJDQGHQD ILQQV L DYVQLWW

7LOOV\QHQ RFK GHVV RPIDWWQLQJ †

3DUDJUDIHQ JHQRPI|U GHOYLV DUWLNODUQD RFK RFK DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

3DUDJUDIHQ PRWVYDUDU GHOYLV NDS † ODJHQ RP I|UVlNULQJVI|UPHG

OLQJ

Första stycket VRP PRWVYDUDU NDS † ODJHQ RP I|UVlNULQJVI|U PHGOLQJ LQQHElU DWW )LQDQVLQVSHNWLRQHQ lU GHQ P\QGLJKHW VRP KDU WLOOV\Q |YHU DWW I|UVlNULQJVGLVWULEXW|UHU I|OMHU GH UHJOHU VRP JlOOHU I|U GHP HQOLJW EO D I|UHYDUDQGH ODJ 'HW LQQHElU DWW )LQDQVLQVSHNWLRQHQ XWVHV WLOO HQ EHK|ULJ P\QGLJKHW HQOLJW L DUWLNHO L I|UVlNULQJVGLVWULEXWLRQV

GLUHNWLYHW

Andra stycket JHQRPI|U GHOYLV DUWLNODUQD RFK L I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW )LQDQVLQVSHNWLRQHQV WLOOV\Q HQOLJW I|UVWD VW\FNHW RPIDWWDU EDUD I|UVlNULQJVGLVWULEXWLRQ VRP EHGULYV L 6YHULJH %HVWlP PHOVHQ NODUJ|U )LQDQVLQVSHNWLRQHQV WLOOV\QVDQVYDU |YHU VYHQVND I|UVlN ULQJVI|UPHGODUH VRP EHGULYHU YHUNVDPKHW L HWW DQQDW ODQG LQRP ((6 %HVWlPPHOVHQ lU WLOOlPSOLJ Sn EnGH YHUNVDPKHW VRP EHGULYV PHG VW|G DY HWDEOHULQJVIULKHWHQ RFK IULKHWHQ DWW WLOOKDQGDKnOOD WMlQVWHU )LQDQVLQVSHN WLRQHQV P|MOLJKHWHU DWW LQJULSD YDULHUDU HPHOOHUWLG QnJRW EHURHQGH Sn XWLIUnQ YLOND UHJOHU GHQ XWOlQGVND YHUNVDPKHWHQ EHGULYV , GHWWD IDOO lU DOOWVn WLOOV\QVDQVYDUHW L YLVVD DYVHHQGHQ QnJRW YLGDUH lQ P|MOLJKHWHUQD DWW LQJULSD RFK RPIDWWDU VnOHGHV )LQDQVLQVSHNWLRQHQV EHIRJHQKHW DWW LQJULSD PRW VYHQVND I|UVlNULQJVI|UPHGODUH VRP EHGULYHU YHUNVDPKHW L HWW DQQDW ODQG LQRP ((6

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U GHOYLV DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 3DUDJUDIHQ KDU LQWH QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJVI|UPHG

OLQJ

opaginerad SDUDJUDIHQ Kontrollera mot PDF

3DUDJUDIHQ LQQHKnOOHU EHVWlPPHOVHU RP )LQDQVLQVSHNWLRQHQV WLOOV\QV

DQVYDU YLG LQWHUQDWLRQHOOD |YHUHQVNRPPHOVHU PHOODQ )LQDQVLQVSHNWLRQHQ RFK HQ EHK|ULJ P\QGLJKHW L HWW DQQDW ODQG LQRP ((6

)LQDQVLQVSHNWLRQHQ NDQ LQJn LQWHUQDWLRQHOOD |YHUHQVNRPPHOVHU RP DWW LQVSHNWLRQHQ DQWLQJHQ WDU |YHU WLOOV\QHQ |YHU HQ ((6 I|UVlNULQJV I|UPHGODUH VRP KDU VLWW KXYXGVDNOLJD YHUNVDPKHWVVWlOOH L 6YHULJH HOOHU RP DWW LQVSHNWLRQHQ OlPQDU |YHU DQVYDUHW I|U WLOOV\QHQ |YHU HQ VYHQVN I|UVlNULQJVI|UPHGODUH VRP KDU VLWW KXYXGVDNOLJD YHUNVDPKHWVVWlOOH L HWW DQQDW ODQG LQRP ((6 2P )LQDQVLQVSHNWLRQHQ KDU |YHUOlPQDW WLOOV\QHQ |YHU HQ VYHQVN I|UVlNULQJVI|UPHGODUH WLOO HQ EHK|ULJ P\QGLJKHW L HWW DQQDW ODQG LQRP ((6 nOLJJHU GHW LQVSHNWLRQHQ DWW VDPYHUND PHG RFK ELVWn GHQ EHK|ULJD P\QGLJKHWHQ PHG GH WLOOV\QVnWJlUGHU VRP EHK|YHU YLGWDV KlU L ODQGHW W H[ SODWVEHV|N RFK LQKlPWDQGH DY XSSO\VQLQJDU 'HW NDQ VNH PHG VW|G DY NDS † VH I|UIDWWQLQJVNRPPHQWDUHQ WLOO GHQ

SDUDJUDIHQ

Första stycket UHJOHUDU GH IDOO GlU )LQDQVLQVSHNWLRQHQ HQOLJW HQ |YHUHQVNRPPHOVH PHG HQ EHK|ULJ P\QGLJKHW L HWW DQQDW ODQG LQRP ((6 KDU WDJLW |YHU DQVYDUHW I|U WLOOV\QHQ DY HQ ((6 I|UVlNULQJVI|UPHGODUH VRP KDU VLWW KXYXGVDNOLJD YHUNVDPKHWVVWlOOH L 6YHULJH ,QVSHNWLRQHQ VND Gn KD WLOOV\Q |YHU ((6 I|UVlNULQJVI|UPHGODUHQV YHUNVDPKHW VRP EHGULYV L 6YHULJH 0HG YHUNVDPKHW VRP EHGULYV L 6YHULJH DYVHV lYHQ GHQ JUlQV |YHUVNULGDQGH YHUNVDPKHW XW|YDQGH DY IULKHWHQ DWW WLOOKDQGDKnOOD WMlQVWHU VRP ((6 I|UPHGODUHQ NDQ EHGULYD IUnQ VLWW KXYXGVDNOLJD YHUN VDPKHWVVWlOOH L 6YHULJH ULNWDG PRW HWW DQQDW ODQG LQRP ((6 )LQDQV LQVSHNWLRQHQV WLOOV\QVDQVYDU |YHU HQ VnGDQ ((6 I|UVlNULQJVI|UPHGODUH VND XW|YDV L VDPPD RPIDWWQLQJ RFK XWLIUnQ VDPPD I|UXWVlWWQLQJDU VRP JlOOHU I|U VYHQVND I|UVlNULQJVI|UPHGODUH , NDS † ILQQV EHVWlP PHOVHU RP LQJULSDQGH PRW ((6 I|UVlNULQJVI|UPHGODUH YLG |YHUHQV NRPPHOVH RP |YHUI|ULQJ DY WLOOV\QVDQVYDU

2P )LQDQVLQVSHNWLRQHQ WUlIIDU HQ |YHUHQVNRPPHOVH RP DWW HQ EHK|ULJ P\QGLJKHW L HWW DQQDW ODQG LQRP ((6 VND KD WLOOV\Q |YHU HQ VYHQVN I|U PHGODUH VRP KDU VLWW KXYXGVDNOLJD YHUNVDPKHWVVWlOOH L GHW ODQGHW I|U YlQWDV GHQ DQGUD EHK|ULJD P\QGLJKHWHQV WLOOV\QVDQVYDU UHJOHUDV L GHW ODQGHWV ODJ ,QWHUQDWLRQHOOD |YHUHQVNRPPHOVHU VRP DYVHV L EHVWlPPHOVHQ VNDSDU L VLJ LQWH QnJUD UlWWVYHUNQLQJDU I|U GHQ EHU|UGD I|UVlNULQJV I|UPHGODUHQ HOOHU ((6 I|UVlNULQJVI|UPHGODUHQ )LQDQVLQVSHNWLRQHQ EHK|YHU GlUI|U IDWWD HWW EHVOXW PHG LQQHKnOO VRP PRWVYDUDU LQQHKnOOHW L

|YHUHQVNRPPHOVHQ I|U DWW UlWWVYHUNQLQJDU VND XSSNRPPD VH SURS V I $Y I|UVWD RFK andra styckena I|OMHU GlUI|U DWW

)LQDQVLQVSHNWLRQHQ VND IDWWD EHVOXW L HQOLJKHW PHG WUlIIDGH |YHUHQV NRPPHOVHU %HVWlPPHOVHQ lU L GHQ GHOHQ XWIRUPDG HIWHU I|UHELOG DY NDS † DQGUD VW\FNHW I|UVlNULQJVU|UHOVHODJHQ

Tredje stycket JHQRPI|U NUDYHW L DUWLNHO L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW Sn DWW GHQ EHK|ULJD P\QGLJKHWHQ VND XQGHUUlWWD GHQ EHU|UGD I|UVlNULQJVI|UPHGODUHQ RFK (XURSHLVND I|UVlNULQJV RFK WMlQVWHSHQVLRQV P\QGLJKHWHQ (LRSD RP LQVSHNWLRQHQ LQJnU HQ LQWHUQDWLRQHOO |YHUHQV NRPPHOVH RP |YHUI|ULQJ DY WLOOV\QVDQVYDU

gYHUYlJDQGHQD ILQQV L DYVQLWW

opaginerad 8SSO\VQLQJDU RFK XQGHUV|NQLQJDU Kontrollera mot PDF

8SSO\VQLQJDU RFK XQGHUV|NQLQJDU

†

3DUDJUDIHQ JHQRPI|U DUWLNHO RFK GHOYLV DUWLNHO L I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW

3DUDJUDIHQ PRWVYDUDU NDS RFK D †† ODJHQ RP I|UVlNULQJV I|UPHGOLQJ

3DUDJUDIHQ LQQHElU DWW )LQDQVLQVSHNWLRQHQ InU LQKlPWD XSSJLIWHU IUnQ I|UVlNULQJVGLVWULEXW|UHU VDPW J|UD SODWVXQGHUV|NQLQJDU KRV GHP

8SSO\VQLQJVVN\OGLJKHWHQ L första stycket I|UDQOHGV DY DWW )LQDQVLQVSHN WLRQHQ VND XW|YD WLOOV\Q |YHU GHQ VRP EHGULYHU I|UVlNULQJVGLVWULEXWLRQ *HQRP HWW EHP\QGLJDQGH L † InU UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU PHGGHOD I|UHVNULIWHU RP YLOND XSSO\VQLQJDU VRP VND OlPQDV WLOO )LQDQVLQVSHNWLRQHQ RFK QlU GHVVD VND OlPQDV , NDS † ILQQV HQ EHVWlPPHOVH RP I|UVHQLQJVDYJLIW I|U GHQ VRP LQWH L WLG OlPQDU GHVVD XSSO\VQLQJDU VH I|UIDWWQLQJVNRPPHQWDUHQ WLOO GHQ SDUD JUDIHQ

1lU GHW JlOOHU XWOlQGVND I|UVlNULQJVI|UPHGODUH VND )LQDQVLQVSHNWLRQHQ XW|YD WLOOV\Q |YHU DWW GHVVD I|OMHU GH UHJOHU VRP JlOOHU I|U YHUNVDPKHWHQ L

6YHULJH )LQDQVLQVSHNWLRQHQ KDU GlUI|U HQOLJW I|UVWD VW\FNHW P|MOLJKHW DWW EHJlUD XSSO\VQLQJDU IUnQ GHP RFK HQOLJW andra stycket QlU GHW JlOOHU

ILOLDOHU WLOO XWOlQGVND I|UVlNULQJVI|UPHGODUH ((6 I|UVlNULQJVI|UPHGODUH HOOHU I|UVlNULQJVI|UPHGODUH IUnQ WUHGMH ODQG JHQRPI|UD SODWVXQGHUV|N

QLQJDU KRV GHP

, tredje stycket ILQQV HQ XSSO\VQLQJ RP DWW UHJHULQJHQ HOOHU GHQ P\Q GLJKHW VRP UHJHULQJHQ EHVWlPPHU NDQ PHGGHOD I|UHVNULIWHU RP DWW YLVVD XSSJLIWHU VRP HQOLJW EHVWlPPHOVHQ VND OlPQDV WLOO )LQDQVLQVSHNWLRQHQ L VWlOOHW VND OlPQDV WLOO 6WDWLVWLVND FHQWUDOE\UnQ

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U DUWLNHO RFK L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW

3DUDJUDIHQ KDU LQWH QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJVI|UPHG OLQJ

3DUDJUDIHQ LQQHKnOOHU EHVWlPPHOVHU RP DQPlOQLQJVVN\OGLJKHW I|U NYDOLILFHUDGH LQQHKDY RFK QlUD I|UELQGHOVHU 'HQ PRWVYDUDU EHVWlP PHOVHU VRP ILQQV L IOHUD DQGUD ODJDU Sn ILQDQVPDUNQDGVRPUnGHW VH W H[ NDS † I|UVWD RFK DQGUD VW\FNHQD ODJ RP EDQN RFK ILQDQVLH ULQJVU|UHOVH RFK NDS † DQGUD RFK WUHGMH VW\FNHQD I|UVlNULQJV U|UHOVHODJHQ (Q GHILQLWLRQ DY NYDOLILFHUDW LQQHKDY RFK QlUD I|UELQGHOVHU

ILQQV L NDS † VH I|UIDWWQLQJVNRPPHQWDUHQ WLOO GHQ SDUDJUDIHQ (QOLJW första RFK andra styckena VND HQ I|UVlNULQJVI|UPHGODUH VRP InU

NlQQHGRP RP DWW DNWLHU HOOHU DQGHODU L I|UHWDJHW KDU I|UYlUYDWV HOOHU DY\WWUDWV Sn HWW VnGDQW VlWW DWW LQQHKDYHW XWJ|U HOOHU XSSK|U DWW YDUD HWW NYDOLILFHUDW LQQHKDY HOOHU L DQQDW IDOO InU NlQQHGRP RP DWW GHQ KDU QlUD I|UELQGHOVHU PHU QnJRQ DQQDQ VQDUDVW DQPlOD GHW WLOO )LQDQVLQVSHNWLRQHQ 'lULJHQRP XSSI\OOV GH NUDY VRP VWlOOV XSS L DUWLNHO L I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW %HVWlPPHOVHQ XWJ|U GHOYLV RFNVn HWW OHG L DWW

XSSI\OOD NUDYHW L DUWLNHO RP DWW HQ VYnU|YHUVNnGOLJ I|UHWDJVJUXSS LQWH

opaginerad QLQJVNRPPHQWDUHUQD WLOO GH SDUDJUDIHUQD Kontrollera mot PDF

InU I|UKLQGUD HQ HIIHNWLY WLOOV\Q DY HQ I|UVlNULQJVI|UPHGODUH )LQDQV LQVSHNWLRQHQ InU YLG YLWH I|UHOlJJD HQ LQQHKDYDUH DY DNWLHU HOOHU DQGHODU DWW DY\WWUD Vn VWRU GHO DY GHVVD DWW HQ I|UVlNULQJVI|UPHGODUH LQWH OlQJUH KDU QlUD I|UELQGHOVHU PHG QnJRQ DQQDQ NDS RFK †† VH I|UIDWW

QLQJVNRPPHQWDUHUQD WLOO GH SDUDJUDIHUQD

, tredje RFK fjärde styckena UHJOHUDV YDG VRP VND JlOOD L PRWVYDUDQGH VLWXDWLRQ QlU GHW U|U VLJ RP DQNQXWQD VLGRYHUNVDPPD I|UVlNULQJV I|UPHGODUH HOOHU DQNQXWQD I|UVlNULQJVI|UPHGODUH VRP LQWH I|UPHGODU I|UVlNULQJVEDVHUDGH LQYHVWHULQJVSURGXNWHU HOOHU VnGDQD SHQVLRQVI|UVlN ULQJDU VRP DYVHV L NDS † *HPHQVDPW I|U GHVVD EnGD JUXSSHU DY I|UVlNULQJVI|UPHGODUH lU DWW GH KDU HQ DQNQ\WQLQJ HOOHU DQQDQ NRSSOLQJ WLOO HWW DQVYDULJW I|UVlNULQJVI|UHWDJ HOOHU HQ DQQDQ I|UVlNULQJVI|UPHGODUH VDPW DWW GH VRP HQ I|OMG DY GHWWD LQWH KDU HWW HJHW WLOOVWnQG I|U I|UVlNULQJV GLVWULEXWLRQ 'HW lU GlUI|U GHQ VRP KDU DQPlOW I|UVlNULQJVI|UPHGODUHQ I|U UHJLVWUHULQJ KRV %RODJVYHUNHW VRP RFNVn VND DQPlOD WLOO )LQDQVLQVSHN WLRQHQ RP I|UPHGODUHQ KDU QlUD I|UELQGHOVHU PHG QnJRQ DQQDQ

gYHUYlJDQGHQD ILQQV L DYVQLWW

6DPDUEHWH PHG EHK|ULJD P\QGLJKHWHU RFK DQGUD RUJDQLVDWLRQHU †

3DUDJUDIHQ JHQRPI|U GHOYLV DUWLNODUQD ± RFK L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

3DUDJUDIHQ PRWVYDUDU GHOYLV NDS † ODJHQ RP I|UVlNULQJVI|UPHG OLQJ

3DUDJUDIHQ LQQHElU HQ DOOPlQ VN\OGLJKHW I|U )LQDQVLQVSHNWLRQHQ DWW VDPDUEHWD RFK XWE\WD LQIRUPDWLRQ PHG EHK|ULJD P\QGLJKHWHU L DQGUD OlQGHU LQRP ((6 (XURSHLVND NRPPLVVLRQHQ RFK (LRSD 'HQ PRWVYDUDU EHVWlPPHOVHU VRP ILQQV L IOHUD DQGUD ODJDU Sn GHW ILQDQVPDUNQDGV RPUnGHW VH W H[ NDS † I|UVlNULQJVU|UHOVHODJHQ

, GHQ DOOPlQQD VDPDUEHWVVN\OGLJKHWHQ LQJnU GHQ PHUD EHJUlQVDGH VDPDUEHWV RFK XSSO\VQLQJVVN\OGLJKHW VRP L GDJ JlOOHU HQOLJW NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ *HQRP DWW VDPDUEHWVVN\OGLJKHWHQ XW YLGJDV WLOOJRGRVHV NUDYHQ L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW Sn DWW GHQ EHK|ULJD P\QGLJKHWHQ VND KD WLOOUlFNOLJD XQGHUV|NQLQJVEHIRJHQKHWHU RFK VDPDUEHWD QlUD PHG DQGUD EHK|ULJD P\QGLJKHWHU DUWLNODUQD ± RFK 2P )LQDQVLQVSHNWLRQHQ KDU |YHUOlPQDW WLOOV\QHQ |YHU HQ VYHQVN I|UVlNULQJVI|UPHGODUH WLOO HQ EHK|ULJ P\QGLJKHW L HWW DQQDW ODQG LQRP ((6 NDQ )LQDQVLQVSHNWLRQHQ PHG VW|G DY EHVWlPPHOVHQ ELVWn GHQ EHK|ULJD P\QGLJKHWHQ PHG WLOOV\QVnWJlUGHU VRP EHK|YHU YLGWDV KlU L ODQGHW 'HW NDQ W H[ U|UD VLJ RP SODWVEHV|N RFK LQKlPWDQGH DY XSS O\VQLQJDU

*HQRP DWW XWVWUlFND VDPDUEHWVVN\OGLJKHWHQ WLOO DWW lYHQ LQQHIDWWD (XURSHLVND NRPPLVVLRQHQ JHQRPI|UV NUDYHW Sn XQGHUUlWWHOVH GLW QlU )LQDQVLQVSHNWLRQHQ VRP EHK|ULJ P\QGLJKHW L YlUGODQG YLGWDU nWJlUGHU PRW HQ ((6 I|UVlNULQJVI|UPHGODUH DUWLNODUQD RFK

gYHUYlJDQGHQD ILQQV L DYVQLWW

opaginerad 7\VWQDGVSOLNW Kontrollera mot PDF

7\VWQDGVSOLNW

†

3DUDJUDIHQ VRP LQWH KDU QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJV I|U¤PHGOLQJ UHJOHUDU W\VWQDGVSOLNW I|U XSSJLIWHU RP PLVVWlQNWD UHJHO |YHU¤WUlGHOVHU 3DUDJUDIHQ lU XWIRUPDG HIWHU I|UHELOG DY † ODJHQ PHG NRPSOHWWHUDQGH EHVWlPPHOVHU WLOO (8 V I|URUGQLQJ RP IDNWDEODG I|U 3ULLS SURGXNWHU VH SURS V

(QOLJW I|UVWD VW\FNHW DYVHU W\VWQDGVSOLNWHQ XSSJLIW L HQ DQPlODQ HOOHU XWVDJD RP |YHUWUlGHOVH DY EHVWlPPHOVH VRP JlOOHU I|U YHUNVDPKHWHQ RP XSSJLIWHQ NDQ DYVO|MD DQPlODUHQV LGHQWLWHW , DUWLNHO F L I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW VWlOOV NUDY Sn PHGOHPVVWDWHUQD DWW LQI|UD UHJOHU VRP VlNHUVWlOOHU DWW LGHQWLWHWHQ EnGH Sn GHQ SHUVRQ VRP UDSSRUWHUDU HQ |YHUWUlGHOVH RFK GHQ I\VLVND SHUVRQ VRP SnVWnV YDUD DQVYDULJ I|U |YHUWUlGHOVHQ LQWH U|MV $Y GLUHNWLYHW I|OMHU DWW GHW lU UDSSRUWHULQJ DY |YHUWUlGHOVHU DY EHVWlPPHOVHU VRP JHQRPI|U I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW VRP DYVHV 'HW lU HPHOOHUWLG VYnUW DWW DYJUlQVD UHJOHULQJHQ WLOO HQEDUW DQPlOQLQJDU RFK XWVDJRU VRP U|U |YHUWUlGHOVHU DY EHVWlPPHOVHU GLUHNW NQXWQD WLOO I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 'HQ YDOGD ORNXWLRQHQ ´|YHUWUlGHOVH DY EHVWlPPHOVH VRP JlOOHU I|U YHUNVDPKHWHQ´ InQJDU YLVVHUOLJHQ |YHUWUlGHOVHU LQRP HWW YLGDUH UHJHORPUnGH lQ GHW VRP GLUHNWLYHW VWULNW JHQRPI|UW VNXOOH JH PHQ LQQHElU DWW EHVYlUOLJD JUlQV GUDJQLQJVSUREOHP NDQ XQGYLNDV 6DPWLGLJW PHGI|U GHW HWW EnGH W\GOLJDUH RFK VlNUDUH VN\GG I|U DQPlODUHQ RFK GHQ I\VLVND SHUVRQ VRP XWSHNDV

6HNUHWHVVHQ VND HQGDVW JlOOD REHK|ULJD U|MDQGHQ )|U HQ QlUPDUH UHGRJ|UHOVH I|U YDG VRP KlUPHG DYVHV KlQYLVDV WLOO I|UDUEHWVXWWDODQGHQ L DQVOXWQLQJ WLOO UHIRUPHUDGH UHJOHU I|U EDQN RFK ILQDQVLHULQJVU|UHOVH VH SURS V I

*HQRP EHVWlPPHOVHQ WLOOVDPPDQV PHG GHQ lQGULQJ VRP I|UHVOnV L NDS E † 26/ XSSI\OOV I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHWV NUDY Sn HWW LGHQWLWHWVVN\GG L DOOD VNHHQGHQ DY I|UIDUDQGHW DUWLNHO F 'HW LQQHElU DWW GH QX DNWXHOOD SHUVRQHUQDV LGHQWLWHW NDQ VN\GGDV RP UHGDQ Sn HWW VWDGLH Gn HQ DQPlODQ HOOHU XWVDJD lQQX LQWH NRPPLW WLOO WLOOV\QV P\QGLJKHWHQ HOOHU RP P\QGLJKHWHQ VHQDUH NRPPXQLFHUDU XSSJLIWHU WLOO I|UVlNULQJVGLVWULEXW|UHQ

, DQGUD VW\FNHW ILQQV HQ XSSO\VQLQJ RP DWW RIIHQWOLJKHWV RFK VHNUHWHVV ODJHQ WLOOlPSDV L GHW DOOPlQQDV YHUNVDPKHW

gYHUYlJDQGHQD ILQQV L DYVQLWW

5HYLVRU †

3DUDJUDIHQ KDU LQWH QnJRQ PRWVYDULJKHW L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW

3DUDJUDIHQ PRWVYDUDU NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ 'HQ JHU UlWW I|U )LQDQVLQVSHNWLRQHQ DWW XWVH UHYLVRU KRV HQ I|UVlNULQJVI|UPHG ODUH 1lU GHW JlOOHU I|UVlNULQJVI|UHWDJ ILQQV HQ PRWVYDUDQGH UlWW I|U )LQDQVLQVSHNWLRQHQ DWW I|URUGQD UHYLVRU YLG UHYLVLRQ DY I|UVlNULQJV I|UHWDJHW L NDS † I|UVlNULQJVU|UHOVHODJHQ

gYHUYlJDQGHQD ILQQV L DYVQLWW

opaginerad RP WLOOVWnQG RFK DQPlOQLQJDU HQOLJW ODJHQ Kontrollera mot PDF

$YJLIWHU WLOO )LQDQVLQVSHNWLRQHQ †

3DUDJUDIHQ PRWVYDUDU GHOYLV NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ 3DUDJUDIHQ LQQHElU DWW I|UVlNULQJVI|UPHGODUH XWOlQGVND I|UVlNULQJV I|UPHGODUH VRP GULYHU YHUNVDPKHW IUnQ ILOLDO L 6YHULJH RFK I|UVlNULQJV I|UHWDJ JHQRP nUOLJD DYJLIWHU ILQDQVLHUD )LQDQVLQVSHNWLRQHQV YHUNVDPKHW PHG DQNQ\WQLQJ WLOO ODJHQ RFK 6WDWLVWLVND FHQWUDOE\UnQV YHUNVDPKHW HQOLJ ODJHQ RP HQ GDWDEDV I|U |YHUYDNQLQJ DY RFK WLOOV\Q |YHU ILQDQVPDUN QDGHUQD $Y EHVWlPPHOVHQ I|OMHU DWW RP HQ ((6 I|UVlNULQJVI|UPHGODUH RPIDWWDV DY HQ |YHUHQVNRPPHOVH RP |YHUI|ULQJ DY WLOOV\QVDQVYDU IUnQ GHQ EHK|ULJD P\QGLJKHWHQ L KHPODQGHW WLOO )LQDQVLQVSHNWLRQHQ WUlIIDV I|UPHGODUHQ DY DYJLIWVVN\OGLJKHWHQ RP I|UPHGODUHQ EHGULYHU VLQ YHUN VDPKHW PHG VW|G DY HWDEOHULQJVIULKHWHQ 'HW PnVWH I|UXWVlWWDV DWW HQ ((6 I|UVlNULQJVI|UPHGODUH VRP EHG|PV KD VLWW KXYXGVDNOLJD YHUNVDP KHWVVWlOOH L 6YHULJH lU HWDEOHUDG L ODQGHW KlU JHQRP HQ ILOLDO VH DYVQLWW

)LQDQVLQVSHNWLRQHQ InU lYHQ WD XW DYJLIWHU I|U SU|YQLQJ DY DQV|NQLQJDU

RP WLOOVWnQG RFK DQPlOQLQJDU HQOLJW ODJHQ

*HQRP HWW EHP\QGLJDQGH L † InU UHJHULQJHQ PHGGHOD I|UHVNULIWHU RP DYJLIWHUQD

gYHUYlJDQGHQD ILQQV L DYVQLWW

%HP\QGLJDQGHQ †

3DUDJUDIHQ PRWVYDUDU GHOYLV NDS † ODJHQ RP I|UVlNULQJVI|U PHGOLQJ

3DUDJUDIHQ LQQHKnOOHU HWW EHP\QGLJDQGH I|U UHJHULQJHQ DWW PHGGHOD I|UHVNULIWHU RP DYJLIWHU I|U )LQDQVLQVSHNWLRQHQV YHUNVDPKHW

6nGDQD I|UHVNULIWHU ILQQV L GDJ L I|URUGQLQJHQ RP nUOLJD DYJLIWHU I|U ILQDQVLHULQJ DY )LQDQVLQVSHNWLRQHQV YHUNVDPKHW RFK I|URUG QLQJHQ RP DYJLIWHU I|U SU|YQLQJ DY lUHQGHQ KRV )LQDQV LQVSHNWLRQHQ

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ VRP L KXYXGVDN PRWVYDUDU NDS † ODJHQ RP I|UVlN ULQJVI|UPHGOLQJ LQQHKnOOHU HWW EHP\QGLJDQGH I|U UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU DWW PHGGHOD I|UHVNULIWHU RP YLOND XSSO\VQLQJDU HQ I|UVlNULQJVGLVWULEXW|U HQ ((6 I|UVlNULQJVI|UPHGODUH HOOHU HQ I|UVlNULQJVI|UPHGODUH IUnQ WUHGMHODQG HQOLJW † VND OlPQD WLOO )LQDQVLQVSHNWLRQHQ I|U GHVV WLOOV\QVYHUNVDPKHW %HP\QGLJDQGHW RP IDWWDU XW|YHU PRWVYDUDQGH EHP\QGLJDQGH L ODJHQ RP I|UVlNULQJV I|UPHGOLQJ lYHQ VlWWHW I|U KXU XSSO\VQLQJDUQD VND OlPQDV RFK QlU GHWWD VND VNH 'HW |YHUHQVVWlPPHU PHG GHW VRP JlOOHU HQOLJW PRWVYDUDQGH EHP\QGLJDQGH L I|UVlNULQJVU|UHOVHODJHQ NDS † DQGUD VW\FNHW

gYHUYlJDQGHQD ILQQV L DYVQLWW

opaginerad RP WLOOVWnQG RFK DQPlOQLQJDU HQOLJW ODJHQ Kontrollera mot PDF

NDS ,QJULSDQGHQ

,QJULSDQGH PRW I|UVlNULQJVGLVWULEXW|UHU RFK YLVVD I\VLVND SHUVRQHU

†

3DUDJUDIHQ JHQRPI|U GHOYLV DUWLNODUQD DQGUD VW\FNHW

RFK D±F L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

3DUDJUDIHQ PRWVYDUDU L KXYXGVDN NDS † ODJHQ RP I|UVlNULQJV

I|UPHGOLQJ 7UHGMH VW\FNHW L GHQ SDUDJUDIHQ WDV GRFN ERUW RFK I|UV PHG

YLVVD MXVWHULQJDU |YHU WLOO † DQGUD VW\FNHW

3DUDJUDIHQ LQQHKnOOHU EHVWlPPHOVHU RP )LQDQVLQVSHNWLRQHQV P|MOLJ

KHWHU DWW LQJULSD PRW I|UVlNULQJVGLVWULEXW|UHU

Första stycket VRP PRWVYDUDU NDS † I|UVWD VW\FNHW ODJHQ RP

I|UVlNULQJVI|UPHGOLQJ LQQHElU DWW )LQDQVLQVSHNWLRQHQ VND LQJULSD RP HQ

I|UVlNULQJVGLVWULEXW|U KDU nVLGRVDWW VLQD VN\OGLJKHWHU HQOLJW GH UHJOHU VRP

JlOOHU I|U YHUNVDPKHWHQ

, andra stycket VRP PRWVYDUDU NDS † DQGUD VW\FNHW ODJHQ RP

I|UVlNULQJVI|UPHGOLQJ DQJHV YLOND ROLND W\SHU DY LQJULSDQGH VRP NDQ EOL

DNWXHOOD RP HQ |YHUWUlGHOVH KDU VNHWW

$Y tredje stycket I|OMHU DWW )LQDQVLQVSHNWLRQHQ XQGHU YLVVD I|UXWVlWW

QLQJDU InU LQJULSD PRW I|UVlNULQJVI|UPHGODUH VRP EHGULYHU I|UVlNULQJV

GLVWULEXWLRQ L HWW DQQDW ODQG LQRP ((6 %HVWlPPHOVHQ JHQRPI|U I|UVlN

ULQJVGLVWULEXWLRQVGLUHNWLYHWV NUDY Sn DWW GHQ EHK|ULJD P\QGLJKHWHQ L

KHPODQGHW VND YLGWD nWJlUGHU PRW I|UVlNULQJVI|UPHGODUH VRP PHG VW|G DY

HWDEOHULQJVIULKHWHQ HOOHU IULKHWHQ DWW WLOOKDQGDKnOOD WMlQVWHU EHGULYHU YHUN

VDPKHW L HWW DQQDW ODQG LQRP ((6 (WW LQJULSDQGH I|UXWVlWWHU DWW GHQ

EHK|ULJD P\QGLJKHWHQ L YlUGODQGHW I|UVW XQGHUUlWWDU )LQDQVLQVSHNWLRQHQ

RP HQ |YHUWUlGHOVH )LQDQVLQVSHNWLRQHQ KDU Gn DWW EHG|PD GHQ LQIRUPD

WLRQ VRP GHQ InWW DY YlUGODQGHW RFK VND L I|UHNRPPDQGH IDOO RFK Vn VQDUW

VRP P|MOLJW YLGWD Q|GYlQGLJD nWJlUGHU I|U DWW DYKMlOSD EULVWHUQD

, fjärde stycket UHJOHUDV YLOND LQJULSDQGHP|MOLJKHWHU )LQDQVLQVSHN

WLRQHQ KDU L I|UKnOODQGH WLOO VYHQVND I|UVlNULQJVI|UPHGODUH VRP RPIDWWDV

DY HQ LQWHUQDWLRQHOO |YHUHQVNRPPHOVH RP |YHUI|ULQJ DY WLOOV\QVDQVYDU

IUnQ )LQDQVLQVSHNWLRQHQ WLOO HQ EHK|ULJ P\QGLJKHW L HWW DQQDW ODQG LQRP

((6 )|U HQ VnGDQ I|UVlNULQJVI|UPHGODUH lU GHW GHQ EHK|ULJD

P\QGLJKHWHQ L GHW ODQG LQRP ((6 GlU I|UPHGODUHQ KDU VLWW KXYXGVDNOLJD

YHUNVDPKHWVVWlOOH VRP VND XW|YD GHQ KXYXGVDNOLJD O|SDQGH WLOOV\QHQ

0HG GHW I|OMHU DQVYDUHW DWW JHQRP nWJlUGHU HQOLJW ODJVWLIWQLQJHQ L GHW

ODQGHW I|UPn I|UVlNULQJVI|UPHGODUHQ DWW YLGWD UlWWHOVH QlU I|UPHGODUHQ

LQWH I|OMHU GH EHVWlPPHOVHU VRP JHQRPI|U I|UVlNULQJVGLVWULEXWLRQV

GLUHNWLYHW L GHW ODQGHW )|UVlNULQJVI|UPHGODUHQV VWlOOQLQJ VRP VYHQVNW

QlULQJVUlWWVOLJW RFK DVVRFLDWLRQVUlWWVOLJW VXEMHNW lQGUDV LQWH JHQRP HQ

LQWHUQDWLRQHOO |YHUHQVNRPPHOVH PHOODQ )LQDQVLQVSHNWLRQHQ RFK HQ EH

K|ULJ P\QGLJKHW L HWW DQQDW ODQG 'HW LQQHElU DWW GHW DOOWLG lU )LQDQV

LQVSHNWLRQHQV DQVYDU DWW EHVOXWD RP LQJULSDQGH JHQRP DQPlUNQLQJ

YDUQLQJ HOOHU nWHUNDOOHOVH DY WLOOVWnQG I|U HQ VYHQVN I|UVlNULQJVI|UPHGODUH

lYHQ RP I|UPHGODUHQ RPIDWWDV DY HQ VnGDQ LQWHUQDWLRQHOO |YHUHQV

NRPPHOVH RP |YHUI|ULQJ DY WLOOV\QVDQVYDU

gYHUYlJDQGHQD ILQQV L DYVQLWW

opaginerad 3DUDJUDIHQ JHQRPI|U GHOYLV DUWLNODUQD RFK G RFK I L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW Kontrollera mot PDF

†

3DUDJUDIHQ JHQRPI|U GHOYLV DUWLNODUQD RFK G RFK I L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

3DUDJUDIHQ VRP LQWH KDU QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJV I|UPHGOLQJ LQQHKnOOHU EHVWlPPHOVHU RP LQJULSDQGH PRW SHUVRQHU L HWW

I|UVlNULQJVI|UPHGOLQJVI|UHWDJV OHGQLQJ

, första stycket DQJHV DWW HQ VW\UHOVHOHGDPRW GHQ YHUNVWlOODQGH GLUHN W|UHQ HOOHU SHUVRQHU VRP Sn PRWVYDUDQGH VlWW NDQ I|UHWUlGD HQ I|UVlN ULQJVI|UPHGODUH HOOHU lU HUVlWWDUH I|U QnJRQ DY GHP NDQ EOL I|UHPnO I|U LQJULSDQGH 0HG ´Sn PRWVYDUDQGH VlWW NDQ I|UHWUlGD´ DYVHV SHUVRQHU VRP Sn GHQ K|JVWD OHGQLQJVQLYnQ VMlOYD HOOHU VRP OHGDPRW DY HWW NROOHNWLYW EHVOXWVRUJDQ NDQ IDWWD ELQGDQGH EHVOXW I|U GHQ MXULGLVND SHUVRQHQV UlNQLQJ L MXULGLVND SHUVRQHU VRP VDNQDU HQ VW\UHOVH HOOHU HQ YHUNVWlOODQGH GLUHNW|U 7LOO NUHWVHQ SHUVRQHU VRP Sn HWW VnGDQW VlWW NDQ I|UHWUlGD HQ I|UVlNULQJVI|UPHGODUH K|U EO D ERODJVPlQ L KDQGHOVERODJ (Q HUVlWWDUH NDQ EOL I|UHPnO I|U LQJULSDQGH HQGDVW RP GHQ LQWUlWW L RUGLQDULH OHGQLQJV SHUVRQV VWlOOH , VW\FNHW ILQQV RFNVn HQ XSSUlNQLQJ DY GH |YHUWUlGHOVHU IUnQ I|UVlNULQJVI|UPHGODUHQV VLGD VRP VND NXQQD I|UDQOHGD HWW LQJULSDQGH PRW QnJRQ VRP LQJnU L SHUVRQNUHWVHQ 8SSUlNQLQJHQ PRWVYDUDU GH |YHUWUlGHOVHU VRP DQJHV L DUWLNHO L I|UVlNULQJV

GLVWULEXWLRQVGLUHNWLYHW

$Y punkt 1 I|OMHU DWW RP HQ I|UVlNULQJVI|UPHGODUH EHGULYHU I|UVlNULQJV GLVWULEXWLRQ L 6YHULJH RFK LQWH XSSI\OOHU NUDYHQ Sn WLOOVWnQG RFK UHJLVWUH

ULQJ L NDS NDQ LQJULSDQGH PRW QnJRQ VRP LQJnU L OHGQLQJHQ EOL DNWXHOOW Punkt 2 LQQHElU Sn PRWVYDUDQGH VlWW DWW HWW LQJULSDQGH NDQ EOL DNWXHOOW PRW HQ OHGQLQJVSHUVRQ RP I|UVlNULQJVI|UPHGODUHQ KDU InWW WLOOVWnQG DWW XW|YD I|UVlNULQJVGLVWULEXWLRQ JHQRP DWW OlPQD IDOVND XSSJLIWHU HOOHU Sn

DQQDW RWLOOE|UOLJW VlWW

Punkt 3 DYVHU GHQ VLWXDWLRQHQ DWW I|UVlNULQJVI|UPHGODUHQ I|U GLVWULEXWLRQ DY I|UVlNULQJDU XWQ\WWMDU QnJRQ VRP LQWH lU EHUlWWLJDG DWW XW|YD I|UVlNULQJVGLVWULEXWLRQ HOOHU DWW GLVWULEXHUD VnGDQD I|UVlNULQJDU VRP

GLVWULEXWLRQHQ DYVHU

, punkt 4 ILQQV KlQYLVQLQJDU WLOO ROLND NUDY VRP VWlOOV XSS L ODJHQ RFK VRP PRWVYDUDU GH |YHUWUlGHOVHU VRP DQJHV L DUWLNHO H RFK I L GLUHN

WLYHW

Punkt 5 DYVHU |YHUWUlGHOVHU DY ODJHQ RP nWJlUGHU PRW SHQQLQJWYlWW RFK ILQDQVLHULQJ DY WHUURULVP HOOHU I|UHVNULIWHU VRP

PHGGHODWV PHG VW|G DY GHQ ODJHQ

, andra stycket DQJHV YLOND LQJULSDQGHQ VRP NDQ EOL DNWXHOOD YLG VnGDQD |YHUWUlGHOVHU VRP DQJHV L I|UVWD VW\FNHW ,QJULSDQGH InU VNH GHOV JHQRP EHVOXW DWW SHUVRQHQ L IUnJD XQGHU HQ YLVV WLG OlJVW WUH nU RFK K|JVW WLR nU LQWH InU XSSUlWWKnOOD HQ IXQNWLRQ VRP DYVHV L I|UVWD VW\FNHW L HWW I|UVlNULQJVI|UPHGOLQJVI|UHWDJ GHOV JHQRP EHVOXW RP VDQNWLRQVDYJLIW 'HVVD LQJULSDQGHQ InU DQYlQGDV WLOOVDPPDQV HOOHU YDU I|U VLJ )LQDQVLQVSHNWLRQHQ InU XWLIUnQ I|UXWVlWWQLQJDUQD L YDUMH HQVNLOW IDOO DYJ|UD YLOND LQJULSDQGHQ VRP E|U NRPPD L IUnJD

gYHUYlJDQGHQD ILQQV L DYVQLWW

opaginerad 3DUDJUDIHQ JHQRPI|U GHOYLV DUWLNODUQD E G H RFK I RFK G RFK I L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW Kontrollera mot PDF

†

3DUDJUDIHQ JHQRPI|U GHOYLV DUWLNODUQD E G H RFK I RFK G RFK I L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

3DUDJUDIHQ VRP LQWH KDU QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJV I|UPHGOLQJ LQQHKnOOHU EHVWlPPHOVHU RP LQJULSDQGH PRW SHUVRQHU L HWW

I|UVlNULQJVI|UHWDJV OHGQLQJ

, första stycket GHILQLHUDV Sn PRWVYDUDQGH VlWW VRP I|U I|UVlNULQJV I|UPHGOLQJVI|UHWDJ L † I|UVWD VW\FNHW GHQ SHUVRQNUHWV L I|UVlNULQJV I|UHWDJHWV OHGQLQJ VRP NDQ EOL I|UHPnO LQJULSDQGH , VW\FNHW ILQQV RFNVn HQ XSSUlNQLQJ DY GH |YHUWUlGHOVHU IUnQ I|UVlNULQJVI|UHWDJHWV VLGD VRP VND NXQQD I|UDQOHGD HWW LQJULSDQGH PRW QnJRQ VRP LQJnU L SHUVRQNUHWVHQ 'HQQD XSSUlNQLQJ PRWVYDUDU I|U I|UVlNULQJVI|UHWDJHQ GH |YHUWUlGHOVHU

VRP DQJHV L DUWLNHO E G H RFK I L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW Punkt 1 PRWVYDUDU L VDN † I|UVWD VW\FNHW RFK DYVHU VnOHGHV GHQ

VLWXDWLRQHQ DWW I|UVlNULQJVI|UHWDJHW I|U GLVWULEXWLRQ DY I|UVlNULQJDU XWQ\WWMDU QnJRQ VRP LQWH lU EHUlWWLJDG DWW XW|YD I|UVlNULQJVGLVWULEXWLRQ

HOOHU DWW GLVWULEXHUD VnGDQD I|UVlNULQJDU VRP GLVWULEXWLRQHQ DYVHU

, punkt 2 ILQQV KlQYLVQLQJDU WLOO ROLND NUDY VRP VWlOOV XSS L ODJHQ 3n VDPPD VlWW VRP I|U I|UVlNULQJVI|UPHGODUH PRWVYDUDU NUDYHQ GH

|YHUWUlGHOVHU VRP DQJHV L DUWLNHO H RFK I L GLUHNWLYHW

, andra stycket DQJHV YLOND LQJULSDQGHQ VRP NDQ EOL DNWXHOOD YLG VnGDQD |YHUWUlGHOVHU VRP DQJHV L I|UVWD VW\FNHW , OLNKHW PHG GHW VRP DQJHV L † InU LQJULSDQGH QlU GHW JlOOHU I|UVlNULQJVI|UHWDJ VNH GHOV JHQRP EHVOXW DWW SHUVRQHQ L IUnJD XQGHU HQ YLVV WLG OlJVW WUH nU RFK K|JVW WLR nU LQWH InU XSSUlWWKnOOD HQ IXQNWLRQ VRP DYVHV L I|UVWD VW\FNHW L HWW I|UVlNULQJV I|UHWDJ GHOV JHQRP EHVOXW RP VDQNWLRQVDYJLIW bYHQ QlU GHW JlOOHU I|UVlNULQJVI|UHWDJ InU LQJULSDQGHQ DQYlQGDV WLOOVDPPDQV HOOHU YDU I|U VLJ )LQDQVLQVSHNWLRQHQ InU lYHQ L I|UHYDUDQGH IDOO XWLIUnQ I|UXWVlWWQLQJDUQD L YDUMH HQVNLOW IDOO DYJ|UD YLOND LQJULSDQGHQ VRP E|U NRPPD L IUnJD

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

, SDUDJUDIHQ VRP LQWH KDU QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJV I|UPHGOLQJ DQJHV YLOND I|UXWVlWWQLQJDU VRP JlOOHU I|U LQJULSDQGHQ PRW OHGQLQJVSHUVRQHU HQOLJW HOOHU †

(WW VnGDQW LQJULSDQGH InU VNH HQGDVW RP I|UHWDJHWV |YHUWUlGHOVH lU DOOYDUOLJ XSSUHSDG HOOHU V\VWHPDWLVN RFK SHUVRQHQ L IUnJD XSSVnWOLJHQ HOOHU DY JURY RDNWVDPKHW RUVDNDW |YHUWUlGHOVHQ ([HPSHO Sn VnGDQ JURY RDNWVDPKHW NDQ YDUD DWW SHUVRQHQ PHGYHWHW WDJLW HQ ULVN EHWUlIIDQGH ULNWLJKHWHQ KRV YLVVD XSSJLIWHU VRP OlPQDV WLOO )LQDQVLQVSHNWLRQHQ (WW VnGDQW PHGYHWHW ULVNWDJDQGH NDQ GHW YDUD IUnJD RP QlU SHUVRQHQ XQGHUOnWLW DWW VH WLOO DWW GHW ILQQV HQ lQGDPnOVHQOLJ RUJDQLVDWLRQ Sn SODWV I|U UDSSRUWHULQJ HOOHU LQIRUPDWLRQVOlPQDQGH HOOHU XQGHUOnWLW DWW UHJHOEXQGHW I|OMD XSS KXU RUJDQLVDWLRQHQ IXQJHUDU 'HW E|U RFNVn DQVHV JURYW RDNWVDPW DWW XQGHUOnWD DWW VlWWD VLJ LQ L LQQHE|UGHQ DY UHJOHU VRP KDU YlVHQWOLJ EHW\GHOVH I|U YHUNVDPKHWHQ

gYHUYlJDQGHQD ILQQV L DYVQLWW

opaginerad 3DUDJUDIHQ JHQRPI|U GHOYLV DUWLNHO L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW Kontrollera mot PDF

†

3DUDJUDIHQ JHQRPI|U GHOYLV DUWLNHO L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW

3DUDJUDIHQ PRWVYDUDU GHOYLV NDS † WUHGMH VW\FNHW L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ

3DUDJUDIHQ LQQHKnOOHU EHVWlPPHOVHU RP RPVWlQGLJKHWHU VRP VND EHDNWDV YLG YDO DY LQJULSDQGH VDPW I|UXWVlWWQLQJDUQD I|U DWW XQGHUOnWD HWW LQJULSDQGH 8WJnQJVSXQNWHQ lU DWW DOOD UHOHYDQWD RPVWlQGLJKHWHU VND

EHDNWDV

, första stycket VRP lU Q\WW ILQQV HQ XSSUlNQLQJ DY RPVWlQGLJKHWHU VRP W\SLVNW VHWW lU UHOHYDQWD RFK VRP NDQ SnYHUND YDOHW DY LQJULSDQGH L

EnGH I|UPLOGUDQGH RFK I|UVYnUDQGH ULNWQLQJ

Andra stycket PRWVYDUDU NDS † WUHGMH VW\FNHW ODJHQ RP I|UVlNULQJV I|UPHGOLQJ %HVWlPPHOVHQ RPIDWWDU WLOO VNLOOQDG IUnQ QXYDUDQGH EHVWlPPHOVH LQJULSDQGH PRW HQ I\VLVN SHUVRQ VRP LQJnU L HQ I|UVlNULQJVGLVWULEXW|UV OHGQLQJ 'HW E|U GRFN VlOODQ EOL DNWXHOOW DWW WLOOlPSD QlU GHW JlOOHU LQJULSDQGH PRW HQ OHGQLQJVSHUVRQ HIWHUVRP LQJULSDQGH HQOLJW HOOHU † I|UXWVlWWHU DOOYDUOLJD XSSUHSDGH HOOHU V\VWHPDWLVND |YHUWUlGHOVHU VDPW XSSVnW HOOHU JURY RDNWVDPKHW (WW LQJULSDQGH InU GlUXW|YHU XQGHUOnWDV RP I|UVlNULQJVGLVWULEXW|UHQ J|U UlWWHOVH HOOHU RP GHQ I\VLVND SHUVRQHQ YHUNDW I|U DWW I|UVlNULQJV GLVWULEXW|UHQ J|U UlWWHOVH HOOHU RP QnJRQ DQQDQ P\QGLJKHW KDU YLGWDJLW nWJlUGHU PRW GLVWULEXW|UHQ HOOHU GHQ I\VLVND SHUVRQHQ RFK GHVVD nWJlUGHU EHG|PV WLOOUlFNOLJD

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U GHOYLV DUWLNHO L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW

, SDUDJUDIHQ VRP LQWH KDU QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlN ULQJVI|UPHGOLQJ ILQQV EHVWlPPHOVHU RP I|UVYnUDQGH RFK I|UPLOGUDQGH RPVWlQGLJKHWHU VRP XW|YHU GH VRP DQJHV L † VND EHDNWDV YLG YDO DY LQJULSDQGH PRW HQ I|UVlNULQJVGLVWULEXW|U HOOHU HQ I\VLVN SHUVRQ L OHG

QLQJHQ I|U HWW VnGDQW I|UHWDJ

, första stycket DQJHV DWW WLGLJDUH |YHUWUlGHOVHU VND EHDNWDV L I|U VYnUDQGH ULNWQLQJ 6lUVNLOG YLNW E|U IlVWDV YLG IUnJDQ RP HQ |YHUWUlGHOVH lU LGHQWLVN PHG HQ WLGLJDUH |YHUWUlGHOVH HOOHU Sn DQQDW VlWW NDQ VlJDV YDUD OLNDUWDG )|UVlNULQJVGLVWULEXW|UHQV WLGLJDUH |YHUWUlGHOVHU WLOO YLOND GHQ I\VLVND OHGQLQJVSHUVRQHQ LQWH PHGYHUNDW VND HQGDVW EHDNWDV L I|U

VYnUDQGH ULNWQLQJ QlU LQJULSDQGH |YHUYlJV PRW I|UHWDJHW

$Y andra stycket I|OMHU DWW L I|UPLOGUDQGH ULNWQLQJ VND EHDNWDV RP I|UVlNULQJVGLVWULEXW|UHQ HOOHU GHQ I\VLVND SHUVRQHQ L OHGQLQJHQ L YlVHQWOLJ XWVWUlFNQLQJ JHQRP DNWLYW VDPDUEHWH KDU XQGHUOlWWDW )LQDQVLQVSHNWLRQHQV XWUHGQLQJ RFK RP GLVWULEXW|UHQ VQDEEW XSSK|UW PHG |YHUWUlGHOVHQ HOOHU RP GHQ I\VLVND SHUVRQHQ L I|UVlNULQJVGLVWULEXW|UHQV OHGQLQJ VQDEEW YHUNDW I|U DWW |YHUWUlGHOVHQ VND XSSK|UD VHGDQ GHQ DQPlOWV WLOO HOOHU SnWDODWV DY )LQDQVLQVSHNWLRQHQ )|U DWW EHVWlPPHOVHQ VND YDUD WLOOlPSOLJ E|U GHW NUlYDV DWW I|UVlNULQJVGLVWULEXW|UHQ VMlOYPDQW I|U IUDP YLNWLJ

LQIRUPDWLRQ VRP )LQDQVLQVSHNWLRQHQ LQWH UHGDQ I|UIRJDU |YHU RFK DWW

GLVWULEXW|UHQ QlU DQPlODQ J|UV HOOHU XSSJLIWHU OlPQDV XSSK|UW HOOHU

opaginerad gYHUYlJDQGHQD ILQQV L DYVQLWW Kontrollera mot PDF

VQDUDVW XSSK|U PHG |YHUWUlGHOVHQ $WW UlWWHOVH J|UV NDQ VnOHGHV I|UDQOHGD DQWLQJHQ DWW LQJULSDQGH XQGHUOnWV HQOLJW † DQGUD VW\FNHW HOOHU EHDNWDV YLG WLOOlPSQLQJHQ DY I|UHYDUDQGH EHVWlPPHOVH )UnJDQ RP I|UHNRPVWHQ DY HQ VQDEE UlWWHOVH VND PHGI|UD DWW LQJULSDQGH XQGHUOnWV HOOHU DWW GHW EOLU DY PLQGUH DOOYDUOLJ DUW InU EHG|PDV IUnQ IDOO WLOO IDOO (Q SU|YQLQJ E|U GRFN I|UVW VNH DY IUnJDQ RP HWW LQJULSDQGH VND XQGHUOnWDV 2P GHWWD LQWH lU IDOOHW E|U UlWWHOVHQ NXQQD EHDNWDV YLG WLOOlPSQLQJ DY EHVWlPPHOVHQ

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ PRWVYDUDU GHOYLV NDS † I|UVWD RFK WUHGMH VW\FNHQD L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ 6DPWOLJD SXQNWHU L första stycket KDU HQ PRWVYDULJKHW L JlOODQGH UlWW 1XYDUDQGH NDS † I|UVWD VW\FNHW GYV DWW WLOOVWnQGHW VND nWHUNDOODV RP I|UPHGODUHQ LQWH OlQJUH XSSI\OOHU I|UXWVlWWQLQJDUQD I|U WLOOVWnQG KDU XWJnWW HIWHUVRP GHQ SXQNWHQ EHG|PV

RPIDWWDV DY GH DOOPlQQD EHVWlPPHOVHUQD RP LQJULSDQGH L † %HVWlPPHOVHUQD L andra stycket lU Q\D 'H JHU )LQDQVLQVSHNWLRQHQ UlWW

DWW nWHUNDOOD HWW WLOOVWnQG Sn IRUPHOO JUXQG W H[ HIWHU GHW DWW HQ I|UVlNULQJVI|UPHGODUH KDU I|UNODUDW VLJ DYVWn IUnQ VLWW U|UHOVHWLOOVWnQG I|UVW HIWHU GHW DWW LQVSHNWLRQHQ SU|YDW RP GHW ILQQV VNlO DWW LQJULSD PRW I|UVlNULQJVI|UPHGODUHQ HQOLJW † GYV Sn JUXQG DY UHJHO|YHUWUlGHOVHU 2P GHW ILQQV VNlO DWW LQJULSD Sn JUXQG DY UHJHO|YHUWUlGHOVHU InU )LQDQV LQVSHNWLRQHQ HQOLJW EHVWlPPHOVHQ lYHQ PHGGHOD HWW LQJULSDQGHEHVOXW LQQDQ HWW WLOOVWnQG nWHUNDOODV Sn IRUPHOO JUXQG .UDYHW L † I|UYDOW QLQJVODJHQ Sn VN\QGVDP KDQGOlJJQLQJ I|UKLQGUDU VnOHGHV LQWH DWW )LQDQVLQVSHNWLRQHQ XWUHGHU RFK SU|YDU |YHUWUlGHOVHU lYHQ RP GHW ILQQV IRUPHOO JUXQG I|U DWW nWHUNDOOD HQ I|UVlNULQJVI|UPHGODUHV WLOOVWnQG

MIU SURS V

%HVWlPPHOVHQ L tredje stycket PRWVYDUDU NDS † WUHGMH VW\FNHW L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ RFK LQQHElU DWW )LQDQVLQVSHNWLRQHQ KDU P|MOLJKHW DWW L YLVVD IDOO RP GHW lU WLOOUlFNOLJW PHGGHOD YDUQLQJ VRP HWW DOWHUQDWLY WLOO nWHUNDOOHOVH

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ PRWVYDUDU GHOYLV NDS † DQGUD VW\FNHW ODJHQ RP I|UVlN

ULQJVI|UPHGOLQJ

Första stycket PRWVYDUDU L VDN NDS † DQGUD VW\FNHW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ %HVWlPPHOVHQ MXVWHUDV HQGDVW VSUnNOLJW (WW WLOO VWnQG VND NXQQD nWHUNDOODV RP HQ OHGDQGH EHIDWWQLQJVKDYDUH VDNQDU GHQ LQVLNW RFK HUIDUHQKHW VRP NUlYV I|U DWW GHOWD L OHGQLQJHQ DY I|UVlNULQJV GLVWULEXW|UHQ HOOHU Sn DQQDW VlWW lU ROlPSOLJ 'HQ NUHWV DY OHGDQGH EHIDWWQLQJVKDYDUH VRP RPIDWWDV lU VW\UHOVHOHGDP|WHU RFK YHUNVWlOODQGH GLUHNW|U cWHUNDOOHOVH InU GRFN VNH EDUD RP )LQDQVLQVSHNWLRQHQ I|UVW KDU EHVOXWDW DWW DQPlUND Sn DWW SHUVRQHQ LQJnU L VW\UHOVHQ HOOHU lU YHUN VWlOODQGH GLUHNW|U RFK RP KDQ HOOHU KRQ VHGDQ HQ DY LQVSHNWLRQHQ EHVWlPG WLG RP K|JVW WUH PnQDGHU KDU JnWW IRUWIDUDQGH ILQQV NYDU L VW\UHOVHQ HOOHU VRP YHUNVWlOODQGH GLUHNW|U

opaginerad Andra stycket VDNQDU PRWVYDULJKHW L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ Kontrollera mot PDF

Andra stycket VDNQDU PRWVYDULJKHW L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ

%HVWlPPHOVHQ VRP lU XWIRUPDG HIWHU I|UHELOG DY NDS † DQGUD

VW\FNHW ODJHQ RP EDQN RFK ILQDQVLHULQJVU|UHOVH LQQHElU DWW )LQDQV

LQVSHNWLRQHQ L VWlOOHW I|U DWW nWHUNDOOD HWW WLOOVWnQG Sn JUXQG DY DWW HQ

VW\UHOVHOHGDPRW HOOHU YHUNVWlOODQGH GLUHNW|U LQWH XSSI\OOHU ODJHQV NUDY InU

EHVOXWD DWW VW\UHOVHOHGDPRWHQ HOOHU GHQ YHUNVWlOODQGH GLUHNW|UHQ LQWH

OlQJUH InU YDUD GHW )LQDQVLQVSHNWLRQHQ InU Gn I|URUGQD HQ HUVlWWDUH

(UVlWWDUHQV XSSGUDJ JlOOHU WLOO GHVV I|UVlNULQJVGLVWULEXW|UHQ KDU XWVHWW HQ

Q\ VW\UHOVHOHGDPRW HOOHU YHUNVWlOODQGH GLUHNW|U %HVWlPPHOVHQ NDQ

WLOOlPSDV L VWlOOHW I|U nWHUNDOOHOVH L GH IDOO Gn GHW ILQQV EULVWHU L OHGQLQJHQ L

HWW L |YULJW OLYVNUDIWLJW I|UHWDJ RFK I|UHWDJHW LQWH VMlOYW I|UPnU lQGUD Sn

VLWXDWLRQHQ VH SURS V ± RFK

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ PRWVYDUDU L KXYXGVDN NDS † I|UVWD VW\FNHW ODJHQ RP

I|UVlNULQJVI|UPHGOLQJ %HVWlPPHOVHQ DQSDVVDV HPHOOHUWLG XWLIUnQ GHQ

Q\D XSSGHOQLQJ DY I|UVlNULQJVI|UPHGODUH VRP VND UHJLVWUHUDV L VWlOOHW I|U

DWW KD WLOOVWnQG WLOO I|UVlNULQJVGLVWULEXWLRQ %HVWlPPHOVHQ L NDS †

DQGUD VW\FNHW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ XWP|QVWUDV YLONHW LQQHElU

DWW %RODJVYHUNHW LQWH OlQJUH KDU P|MOLJKHW DWW nWHUNDOOD UHJLVWUHULQJHQ I|U

HQ DQNQXWHQ I|UVlNULQJVI|UPHGODUH QlU HQ VnGDQ I|UVlNULQJVI|UPHGODUH

KDU I|UNODUDW VLJ DYVWn IUnQ VLQ UHJLVWUHULQJ bQGULQJHQ lU HQ NRQVHNYHQV

DY DWW )LQDQVLQVSHNWLRQHQ InU XWUHGD RFK LQJULSD PRW UHJHO|YHUWUlGHOVHU

HQOLJW † DQGUD VW\FNHW lYHQ QlU HQ I|UVlNULQJVI|UPHGODUH I|UNODUDU VLJ

DYVWn IUnQ VLWW U|UHOVHWLOOVWnQG VH I|UIDWWQLQJVNRPPHQWDUHQ WLOO GHQ

SDUDJUDIHQ

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ PRWVYDUDU L KXYXGVDN NDS † ODJHQ RP I|UVlNULQJV

I|UPHGOLQJ (IWHUVRP %RODJVYHUNHW HQOLJW † LQWH KDU EHIRJHQKHW DWW nWHU

NDOOD HQ UHJLVWUHULQJ WDV KlQYLVQLQJHQ WLOO %RODJVYHUNHW L EHVWlPPHOVHQ

ERUW

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ PRWVYDUDU L KXYXGVDN NDS † I|UVWD VW\FNHW ODJHQ RP

I|UVlNULQJVI|UPHGOLQJ 'HW I|UW\GOLJDV DWW SDUDJUDIHQ lYHQ WDU VLNWH Sn

nWHUNDOOHOVHU DY DQNQXWQD VLGRYHUNVDPPD I|UVlNULQJVI|UPHGODUHV RFK

DQNQXWQD I|UVlNULQJVI|UPHGODUHV UHJLVWUHULQJDU %HVWlPPHOVHUQD L NDS

† DQGUD VW\FNHW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ XWP|QVWUDV 'H WDU

VLNWH HQ VLWXDWLRQ Gn %RODJVYHUNHW KDU nWHUNDOODW HQ DQNQXWHQ I|UVlNULQJV

I|UPHGODUHV UHJLVWUHULQJ (QOLJW GHQQD ODJ KDU %RODJVYHUNHW LQWH QnJRQ

VnGDQ EHIRJHQKHW VH I|UIDWWQLQJVNRPPHQWDUHQ WLOO †

gYHUYlJDQGHQD ILQQV L DYVQLWW

opaginerad 3DUDJUDIHQ PRWVYDUDU L KXYXGVDN NDS † ODJHQ RP I|UVlNULQJV Kontrollera mot PDF

†

3DUDJUDIHQ PRWVYDUDU L KXYXGVDN NDS † ODJHQ RP I|UVlNULQJV

I|UPHGOLQJ

Första RFK tredje styckena I|UV |YHU RI|UlQGUDGH

, andra stycket WDV KlQYLVQLQJHQ WLOO %RODJVYHUNHWV nWHUNDOOHOVHEHVOXW ERUW %RODJVYHUNHW KDU LQWH QnJRQ EHIRJHQKHW DWW nWHUNDOOD HQ I|UVlNULQJV I|UPHGODUHV UHJLVWUHULQJ HQOLJW GHQQD ODJ %HVWlPPHOVHQ DQSDVVDV RFNVn XWLIUnQ GHQ Q\D XSSGHOQLQJ DY I|UVlNULQJVI|UPHGODUH VRP VND UHJLVWUHUDV L VWlOOHW I|U DWW KD WLOOVWnQG WLOO I|UVlNULQJVGLVWULEXWLRQ

gYHUYlJDQGHQD ILQQV L DYVQLWW

6DQNWLRQVDYJLIW

†

3DUDJUDIHQ JHQRPI|U GHOYLV DUWLNHO H L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW

3DUDJUDIHQ PRWVYDUDU GHOYLV NDS † ODJHQ RP I|UVlNULQJVI|U PHGOLQJ

3DUDJUDIHQ LQQHKnOOHU EHVWlPPHOVHU RP I|UXWVlWWQLQJDUQD XQGHU YLOND

)LQDQVLQVSHNWLRQHQ NDQ PHGGHOD EHVOXW RP VDQNWLRQVDYJLIW PRW HQ

I|UVlNULQJVGLVWULEXW|U HQ ((6 I|UVlNULQJVI|UPHGODUH VRP RPIDWWDV DY HQ

VnGDQ |YHUHQVNRPPHOVH VRP DYVHV L NDS † I|UVWD VW\FNHW HOOHU HQ

VnGDQ XWOlQGVN I|UVlNULQJVI|UPHGODUH VRP DYVHV L NDS † %HVWlP

PHOVHQ DQSDVVDV WLOO GH Q\D NDWHJRULHU DY XWOlQGVND I|UVlNULQJVI|UPHG

ODUH VRP ILQQV L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 7HUPHQ VWUDIIDYJLIW

HUVlWWV PHG VDQNWLRQVDYJLIW

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U GHOYLV DUWLNHO H L I|UVlNULQJVGLVWULEXWLRQV

GLUHNWLYHW

3DUDJUDIHQ PRWVYDUDU GHOYLV NDS † ODJHQ RP I|UVlNULQJVI|U

PHGOLQJ )MlUGH VW\FNHW L GHQ SDUDJUDIHQ |YHUI|UV WLOO † I|UVWD VW\FNHW

VH I|UIDWWQLQJVNRPPHQWDUHQ WLOO GHQ SDUDJUDIHQ 'H GHODU DY DQGUD

VW\FNHW L GHQ SDUDJUDIHQ VRP DYVHU VDQNWLRQVDYJLIWHQV EHORSS XWP|QVWUDV

3DUDJUDIHQ LQQHKnOOHU EHVWlPPHOVHU RP VDQNWLRQVDYJLIWHQV K|JVWD EH

ORSS QlU HQ VnGDQ DYJLIW VND EHVOXWDV I|U HQ I|UVlNULQJVGLVWULEXW|U VRP lU

HQ MXULGLVN SHUVRQ

$Y första stycket I|OMHU DWW DYJLIWHQ VRP OlJVW NDQ EHVWlPPDV WLOO

NURQRU 'HW K|JVWD EHORSS VRP VND NXQQD EHVWlPPDV L HWW HQVNLOW

lUHQGH VND EHVWlPPDV WLOO GHW K|JVWD DY GH EHORSS VRP EHUlNQDV HQOLJW

SXQNWHUQD ± 'HW EHORSSVVSDQQ VRP EHVWlPV HQOLJW GHQQD SDUDJUDI

XWJ|U VnOHGHV UDPDUQD I|U KXU K|J DYJLIW VRP InU EHVOXWDV I|U HQ |YHU

WUlGHOVH , † DQJHV GH RPVWlQGLJKHWHU VRP VND EHDNWDV QlU DYJLIWHQV

VWRUOHN IDVWVWlOOV LQRP GHWWD VSDQQ

(QOLJW punkt 1 NDQ EHORSSVWDNHW EHVWlPPDV WLOO SURFHQW DY I|UHWDJHWV

RPVlWWQLQJ I|UHJnHQGH UlNHQVNDSVnU 2P GHQ MXULGLVND SHUVRQ VRP HQ

VDQNWLRQ VND ULNWDV PRW XSSUlWWDU VLQ nUVUHGRYLVQLQJ HQOLJW nUVUHGRYLV

QLQJVODJHQ lU GHQ RPVlWWQLQJ VRP VND OLJJD WLOO JUXQG I|U VDQNWLRQV

DYJLIWHQ VXPPDQ DY QHWWRRPVlWWQLQJHQ RFK |YULJD U|UHOVHLQWlNWHU 2P

opaginerad EULVWDQGH UHJHOHIWHUOHYQDGHQ Kontrollera mot PDF

|YHUWUlGHOVHQ EHJnV DY HWW PRGHUI|UHWDJ HOOHU HWW GRWWHUI|UHWDJ L HQ NRQFHUQ VND NRQFHUQUHGRYLVQLQJHQ L VWlOOHW DQYlQGDV VRP XWJnQJVSXQNW I|U EHUlNQLQJHQ 0HG ´PRWVYDUDQGH RPVlWWQLQJ´ DYVHV GHW VRP XWJ|U RPVlWWQLQJ HQOLJW GH UHGRYLVQLQJVUHJOHU VRP JlOOHU I|U GHQ MXULGLVND SHUVRQHQ 3RVWHUQD I|U EHUlNQLQJHQ DY RPVlWWQLQJHQ Sn NRQFHUQQLYn KlPWDV XU NRQFHUQUHGRYLVQLQJHQ I|U GHW \WWHUVWD PRGHUI|UHWDJHW 8U GHQQD UHGRYLVQLQJ KlPWDV DOOWVn GH UHOHYDQWD LQWlNWVSRVWHU VRP PRWVYDUDU RPVlWWQLQJHQ HQOLJW GH UHGRYLVQLQJVUHJOHU VRP JlOOHU I|U GHW I|UHWDJ VRP LQJULSDQGHW ULNWDV PRW 8WLIUnQ WLOOlPSOLJD UHGRYLVQLQJVUHJOHU ILQQV WUH W\SHU DY RPVlWWQLQJ RPVlWWQLQJ IUnQ YHUNVDPKHW VRP UHGRYLVDV HQOLJW nUVUHGRYLVQLQJVODJHQ RPVlWWQLQJ IUnQ YHUNVDPKHW VRP UHGRYLVDV HQOLJW ODJHQ RP nUVUHGRYLVQLQJ L NUHGLWLQVWLWXW RFK YlUGHSDSSHUVERODJ RFK RPVlWWQLQJ IUnQ YHUNVDPKHW VRP UHGRYLVDV HQOLJW ODJHQ RP nUVUHGRYLVQLQJ L I|UVlNULQJVI|UHWDJ 2P GHQ MXULGLVND SHUVRQ VRP HQ VDQNWLRQ VND ULNWDV PRW XSSUlWWDU VLQ nUVUHGRYLVQLQJ HQOLJW nUVUHGRYLVQLQJVODJHQ lU GHQ RPVlWWQLQJ VRP VND OLJJD WLOO JUXQG I|U VDQNWLRQVDYJLIWHQ VXPPDQ DY QHWWRRPVlWWQLQJHQ RFK |YULJD U|UHOVHLQWlNWHU 2P VDQNWLRQVDYJLIWHQ VND EHUlNQDV Sn NRQFHUQQLYn VND PRWVYDUDQGH nUVRPVlWWQLQJ GYV VXPPDQ DY QHWWRRPVlWWQLQJHQ RFK |YULJD U|UHOVHLQWlNWHU OLJJD WLOO JUXQG I|U EHUlNQLQJHQ DY VDQNWLRQVDYJLIWHQ +XU RPVlWWQLQJHQ VND EHUlNQDV QlU

XSSJLIW RP RPVlWWQLQJHQ VDNQDV HOOHU lU EULVWIlOOLJ DQJHV L DQGUD VW\FNHW (QOLJW punkt 2 NDQ EHORSSVWDNHW EHVWlPPDV WLOO WYn JnQJHU GHQ YLQVW VRP I|UHWDJHW HUKnOOLW WLOO I|OMG DY UHJHO|YHUWUlGHOVHQ 'HWWD I|UXWVlWWHU DWW YLQVWHQ NDQ EHUlNQDV 6RP YLQVW NDQ W H[ EHWUDNWDV |NDGH LQWlNWHU VRP EHURU Sn DWW UHJHO|YHUWUlGHOVHQ P|MOLJJMRUW ILQDQVLHOOD DNWLYLWHWHU VRP DQQDUV YRUH I|UEMXGQD OLNVRP XWHEOLYQD NRVWQDGHU VRP I|UDQOHWWV DY GHQ

EULVWDQGH UHJHOHIWHUOHYQDGHQ

(QOLJW punkt 3 VND WDNHW I|U VDQNWLRQVDYJLIWHQ NXQQD EHVWlPPDV WLOO HWW EHORSS PRWVYDUDQGH IHP PLOMRQHU HXUR %HORSSHW lU LQWH NQXWHW WLOO Yl[HO NXUVHQ HQ YLVV GDJ 9LONHW EHORSS L NURQRU VRP PRWVYDUDU IHP PLOMRQHU HXUR E|U GlUI|U EHVWlPPDV XWLIUnQ NXUVHQ GHQ GDJ Gn EHVOXW RP VDQN

WLRQVDYJLIW PHGGHODV

, andra stycket DQJHV DWW RP |YHUWUlGHOVHQ KDU VNHWW XQGHU I|UHWDJHWV I|UVWD YHUNVDPKHWVnU HOOHU RP XSSJLIWHU RP RPVlWWQLQJHQ DQQDUV VDNQDV

HOOHU lU EULVWIlOOLJ InU GHQ XSSVNDWWDV

Tredje stycket PRWVYDUDU NDS † WUHGMH VW\FNHW ODJHQ RP I|UVlN ULQJVI|UPHGOLQJ %HVWlPPHOVHQ LQQHElU DWW VDQNWLRQVDYJLIWHQ LQWH InU EHVWlPPDV WLOO HWW Vn K|JW EHORSS DWW I|UVlNULQJVI|UPHGODUHQ GlUHIWHU LQWH XSSI\OOHU GH NDSLWDONUDY VRP JlOOHU I|U YHUNVDPKHWHQ

$Y fjärde stycket I|OMHU DWW DYJLIWHQ WLOOIDOOHU VWDWHQ gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U GHOYLV DUWLNHO I L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW

3DUDJUDIHQ VRP LQWH KDU QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJV I|UPHGOLQJ LQQHKnOOHU EHVWlPPHOVHU RP K|JVWD EHORSS I|U VDQNWLRQV

DYJLIW I|U HQ I|UVlNULQJVI|UPHGODUH VRP lU HQ I\VLVN SHUVRQ HQ I\VLVN

SHUVRQ L HWW I|UVlNULQJVI|UPHGOLQJVI|UHWDJV HOOHU HWW I|UVlNULQJVI|UHWDJV

opaginerad UHJHO|YHUWUlGHOVHQ Kontrollera mot PDF

OHGQLQJ RFK †† HQ ((6 I|UVlNULQJVI|UPHGODUH |YHU YLONHQ )LQDQV LQVSHNWLRQHQ |YHUWDJLW WLOOV\QHQ HQOLJW HQ |YHUHQVNRPPHOVH VRP DYVHV L

NDS †† HOOHU I|U HQ I|UVlNULQJVI|UPHGODUH IUnQ WUHGMHODQG † $Y första stycket I|OMHU DWW WDNHW I|U VDQNWLRQVDYJLIWHQ VND IDVWVWlOODV WLOO

GHW K|JVWD DY GH EHORSS VRP NDQ EOL DNWXHOOW HQOLJW SXQNWHUQD RFK (QOLJW punkt 1 NDQ EHORSSVWDNHW EHVWlPPDV WLOO WYn JnQJHU GHQ YLQVW

VRP GHQ I\VLVND SHUVRQHQ HUKnOOLW WLOO I|OMG DY UHJHO|YHUWUlGHOVHQ )|U HQ I\VLVN SHUVRQ L OHGQLQJHQ L HWW I|UHWDJ NDQ YLQVWHQ EO D XWJ|UDV DY SUHVWD WLRQVGULYHQ ERQXV HOOHU DQGUD LQNRPVWHU VRP NDQ KlUOHGDV WLOO

UHJHO|YHUWUlGHOVHQ

(QOLJW punkt 2 VND DYJLIWHQ NXQQD EHVWlPPDV WLOO HWW EHORSS VRP SHU

GHQ IHEUXDUL L NURQRU PRWVYDUDGH HXUR

Andra stycket PRWVYDUDU L VDN GHQ Q\D EHVWlPPHOVH L NDS D † I|UVWD VW\FNHW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ VRP LQI|UV I|U DWW L VYHQVN UlWW JHQRPI|UD IMlUGH SHQQLQJWYlWWVGLUHNWLYHW VH SURS 2P HQ I|UVlNULQJVI|UPHGODUH VRP lU HQ I\VLVN SHUVRQ |YHUWUlGHU ODJHQ RP nWJlUGHU PRW SHQQLQJWYlWW RFK ILQDQVLHULQJ DY WHUURUVLVP VND SHUVRQHQ NXQQD EOL I|UHPnO I|U VDQNWLRQVDYJLIWHU VRP SHU GHQ MXQL PRWVYDUDGH IHP PLOMRQHU HXUR MIU †

'HQ YDOXWDNXUV VRP VND DQYlQGDV E|U YDUD GHQ V N PLWWNXUVHQ VRP

GDJOLJHQ IDVWVWlOOV DY 1DVGDT 6WRFNKROP $% 6WRFNKROPVE|UVHQ $Y tredje stycket I|OMHU DWW DYJLIWHQ WLOOIDOOHU VWDWHQ

gYHUYlJDQGHQD ILQQV L DYVQLWWHQ RFK

†

3DUDJUDIHQ JHQRPI|U GHOYLV DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHN WLYHW

3DUDJUDIHQ VRP LQWH KDU QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJV I|UPHGOLQJ LQQHKnOOHU EHVWlPPHOVHU RP GH RPVWlQGLJKHWHU VRP VND EHDNWDV QlU VDQNWLRQVDYJLIWHQV VWRUOHN VND EHVWlPPDV YLG LQJULSDQGHQ HQOLJW HOOHU † 6DQNWLRQVDYJLIWHQ VND EHVWlPPDV LQRP GHW VSDQQ VRP DQJHV L HOOHU †

8WJnQJVSXQNWHQ lU DWW DOOD UHOHYDQWD RPVWlQGLJKHWHU VND EHDNWDV 6DQNWLRQVDYJLIWHQV VWRUOHN E|U VRP HQ DOOPlQ XWJnQJVSXQNW VWn L SURSRUWLRQ WLOO |YHUWUlGHOVHQV DOOYDUOLJKHW )|UXWRP GH RPVWlQGLJKHWHU VRP DQJHV L RFK †† VND GHQ MXULGLVND HOOHU I\VLVND SHUVRQHQV ILQDQ VLHOOD VWlOOQLQJ VlUVNLOW EHDNWDV 0HG ILQDQVLHOO VWlOOQLQJ DYVHV H[HPSHOYLV GHQ MXULGLVND SHUVRQHQV nUVRPVlWWQLQJ HOOHU GHQ I\VLVND SHUVRQHQV nUVLQNRPVW PHQ lYHQ DQGUD IDNWRUHU VRP W H[ HWW XWG|PW VNDGHVWnQG HOOHU nODJG I|UHWDJVERW E|U NXQQD EHDNWDV bYHQ GHQ YLQVW VRP HUKnOOLWV WLOO I|OMG DY |YHUWUlGHOVHQ E|U EHDNWDV RP GHWWD EHORSS NDQ IDVWVWlOODV *HQRP DWW VDQNWLRQVDYJLIWHQV K|JVWD QLYn NDQ EHVWlPPDV WLOO WYn JnQJHU GHQ YLQVW VRP JMRUWV NDQ VDQNWLRQVDYJLIWHQ DOOWLG EHVWlPPDV WLOO HWW EHORSS VRP LQQHElU DWW GHQ HYHQWXHOOD YLQVW VRP GHQ MXULGLVND HOOHU I\VLVND SHUVRQHQ KDU JMRUW WLOO I|OMG DY |YHUWUlGHOVHQ NDQ QHXWUDOLVHUDV

gYHUYlJDQGHQD ILQQV L DYVQLWW

opaginerad ILQDQVLHULQJVU|UHOVH VH SURS Kontrollera mot PDF

6DQNWLRQVI|UHOlJJDQGH †

3DUDJUDIHQ VRP LQWH KDU QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJV I|UPHGOLQJ LQQHKnOOHU EHVWlPPHOVHU RP VDQNWLRQVI|UHOlJJDQGH 3DUD JUDIHQ lU XWIRUPDG HIWHU I|UHELOG DY NDS D † ODJHQ RP EDQN RFK

ILQDQVLHULQJVU|UHOVH VH SURS

, första stycket DQJHV DWW IUnJRU RP LQJULSDQGHQ PRW I\VLVND SHUVRQHU HQOLJW HOOHU † WDV XSS DY )LQDQVLQVSHNWLRQHQ JHQRP VDQNWLRQV

I|UHOlJJDQGH

, andra stycket DQJHV DWW HWW VDQNWLRQVI|UHOlJJDQGH LQQHElU DWW GHQ I\VLVND SHUVRQHQ I|UHOlJJV DWW LQRP HQ YLVV WLG JRGNlQQD HQ VDQNWLRQ VRP

lU EHVWlPG WLOO WLG HOOHU EHORSS

$Y tredje stycket I|OMHU DWW HWW JRGNlQW I|UHOlJJDQGH JlOOHU VRP HQ GRP VWROV ODJDNUDIWYXQQD DYJ|UDQGH (WW JRGNlQW VDQNWLRQVI|UHOlJJDQGH VRP DYVHU VDQNWLRQVDYJLIW NDQ GlUPHG YHUNVWlOODV HQOLJW XWV|NQLQJVEDONHQV EHVWlPPHOVHU

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ VRP LQWH KDU QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJVI|U PHGOLQJ DQJHU GH XSSJLIWHU VRP HWW VDQNWLRQVI|UHOlJJDQGH VND LQQHKnOOD 3DUDJUDIHQ lU XWIRUPDG HIWHU I|UHELOG DY NDS E † ODJHQ RP EDQN

RFK ILQDQVLHULQJVU|UHOVH VH SURS

, första stycket DQJHV YLOND XSSJLIWHU HWW VDQNWLRQVI|UHOlJJDQGH VND LQQHKnOOD %HVWlPPHOVHQ lU XSSE\JJG Sn OLNQDQGH VlWW VRP NDS †

UlWWHJnQJVEDONHQ VRP DYVHU VWUDII|UHOlJJDQGH

(QOLJW andra stycket VND VDQNWLRQVI|UHOlJJDQGHW lYHQ LQQHKnOOD HQ XSS O\VQLQJ RP DWW HQ DQV|NDQ RP VDQNWLRQ NDQ NRPPD DWW JHV LQ WLOO GRP VWRO RP SHUVRQHQ L IUnJD LQWH JRGNlQQHU I|UHOlJJDQGHW LQRP GHQ WLG VRP )LQDQVLQVSHNWLRQHQ DQJHU

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ VRP LQWH KDU QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJVI|U PHGOLQJ DQJHU YDG VRP JlOOHU L IUnJD RP GRPVWROVSU|YQLQJ I|U GHW IDOO HWW VDQNWLRQVI|UHOlJJDQGH LQWH JRGNlQWV 3DUDJUDIHQ lU XWIRUPDG HIWHU I|UHELOG DY NDS F † ODJHQ RP EDQN RFK ILQDQVLHULQJVU|UHOVH VH

SURS

$Y första stycket I|OMHU DWW )LQDQVLQVSHNWLRQHQ InU DQV|ND KRV DOOPlQ I|UYDOWQLQJVGRPVWRO RP DWW VDQNWLRQHQ VND EHVOXWDV (Q VnGDQ DQV|NDQ VND J|UDV KRV GHQ I|UYDOWQLQJVUlWW VRP lU EHK|ULJ DWW SU|YD HWW |YHU NODJDQGH DY )LQDQVLQVSHNWLRQHQV HYHQWXHOOD EHVOXW RP LQJULSDQGH I|U

VDPPD |YHUWUlGHOVH

, andra stycket DQJHV DWW GHW NUlYV SU|YQLQJVWLOOVWnQG I|U |YHUNODJDQGH WLOO NDPPDUUlWWHQ

gYHUYlJDQGHQD ILQQV L DYVQLWW

opaginerad gYHUYlJDQGHQD ILQQV L DYVQLWW Kontrollera mot PDF

†

3DUDJUDIHQ VRP LQWH KDU QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJVI|U PHGOLQJ LQQHKnOOHU HQ SUHVNULSWLRQVEHVWlPPHOVH 3DUDJUDIHQ lU XWIRUPDG HIWHU I|UHELOG DY NDS G † ODJHQ RP EDQN RFK ILQDQVLHULQJVU|UHOVH VH SURS

3DUDJUDIHQ LQQHElU DWW HQ VDQNWLRQ I|U HQ |YHUWUlGHOVH HQOLJW HOOHU † InU EHVOXWDV EDUD RP VDQNWLRQVI|UHOlJJDQGH KDU GHOJHWWV GHQ VRP VDQNWLRQHQ ULNWDV PRW LQRP WYn nU IUnQ GHQ WLGSXQNW Gn |YHUWUlGHOVHQ lJGH UXP

gYHUYlJDQGHQD ILQQV L DYVQLWW

)|UVHQLQJVDYJLIW †

3DUDJUDIHQ PRWVYDUDU NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ VH SURS V

gYHUYlJDQGHQD ILQQV L DYVQLWW

9HUNVWlOOLJKHW RFK EHVOXW RP VDQNWLRQVDYJLIW HOOHU I|UVHQLQJVDYJLIW ± ††

3DUDJUDIHUQD PRWVYDUDU NDS ± †† ODJHQ RP I|UVlNULQJVI|UPHGOLQJ VH SURS V I

%HVWlPPHOVHUQD DQSDVVDV Vn DWW GH lYHQ RPIDWWDU VDQNWLRQVDYJLIWHU VRP EHVOXWDWV JHQRP I|UIDUDQGHW PHG VDQNWLRQVI|UHOlJJDQGH

gYHUYlJDQGHQD ILQQV L DYVQLWW

)|UHOlJJDQGH PRW I|UVlNULQJVGLVWULEXW|UHU RFK XWOlQGVND I|UVlNULQJVJLYDUH VRP DQYlQGHU VLJ DY REHK|ULJD I|UPHGODUH

†

3DUDJUDIHQ JHQRPI|U GHOYLV DUWLNODUQD RFK E L I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW

3DUDJUDIHQ PRWVYDUDU NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ 3DUDJUDIHQ LQQHKnOOHU EHVWlPPHOVHU RP LQJULSDQGH PRW I|UVlNULQJV GLVWULEXW|UHU VRP DQYlQGHU VLJ DY REHK|ULJD I|UVlNULQJVI|UPHGODUH %HVWlPPHOVHQ MXVWHUDV Sn Vn VlWW DWW )LQDQVLQVSHNWLRQHQV P|MOLJKHW DWW XWIlUGD I|UHOlJJDQGHQ PRW GHQ VRP DQYlQGHU VLJ DY HQ REHK|ULJ I|UVlNULQJVI|UPHGODUH XWYLGJDV WLOO DWW RPIDWWD I|UVlNULQJVGLVWULEXW|UHU RFK ((6 I|UVlNULQJVJLYDUH RFK I|UVlNULQJVJLYDUH IUnQ WUHGMHODQG VRP EHGULYHU YHUNVDPKHW L 6YHULJH HQOLJW ODJHQ RP XWOlQGVND I|UVlNULQJVJLYDUHV RFK WMlQVWHSHQVLRQVLQVWLWXWV YHUNVDPKHW L 6YHULJH 0HG EHJUHSSHQ ((6 I|UVlNULQJVJLYDUH RFK XWOlQGVN I|UVlNULQJVJLYDUH IUnQ WUHGMHODQG DYVHV GHWVDPPD VRP L NDS † GHQ ODJHQ <WWHUOLJDUH EHVWlPPHOVHU RP WLOOV\Q |YHU ((6 I|UVlNULQJVJLYDUH UHVSHNWLYH I|UVlN ULQJVJLYDUH IUnQ WUHGMHODQG ILQQV L RFK NDS VDPPD ODJ

gYHUYlJDQGHQD ILQQV L DYVQLWW

opaginerad ,QJULSDQGH L YLVVD IDOO PRW ((6 I|UVlNULQJVI|UPHGODUH VRP EHGULYHU YHUNVDPKHW PHG VW|G DY HWDEOHULQJVIULKHWHQ Kontrollera mot PDF

,QJULSDQGH L YLVVD IDOO PRW ((6 I|UVlNULQJVI|UPHGODUH VRP EHGULYHU YHUNVDPKHW PHG VW|G DY HWDEOHULQJVIULKHWHQ

†

3DUDJUDIHQ JHQRPI|U DUWLNHO RFK L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW

3DUDJUDIHQ VRP GHOYLV PRWVYDUDU NDS † DQGUD VW\FNHW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ LQQHKnOOHU EHVWlPPHOVHU RP LQJULSDQGH PRW ((6 I|UVlNULQJVI|UPHGODUH VRP EHGULYHU YHUNVDPKHW PHG VW|G DY

HWDEOHULQJVIULKHWHQ

$Y KlQYLVQLQJHQ L första stycket WLOO NDS † I|UVWD VW\FNHW I|OMHU DWW GHW lU ((6 I|UVlNULQJVI|UPHGODUH VRP EHGULYHU YHUNVDPKHW KlU L ODQGHW PHG VW|G DY HWDEOHULQJVIULKHWHQ VRP WUlIIDV DY EHVWlPPHOVHQ )LQDQV LQVSHNWLRQHQ KDU JHQRP EHVWlPPHOVHQ P|MOLJKHW DWW LQJULSD GLUHNW PRW HQ VnGDQ ((6 I|UVlNULQJVI|UPHGODUH L VWlOOHW I|U DWW YlQGD VLJ WLOO GHQ EHK|ULJD P\QGLJKHWHQ L I|UPHGODUHQV KHPODQG VH † RFK I|UIDWWQLQJV NRPPHQWDUHQ WLOO GHQ SDUDJUDIHQ (Q I|UXWVlWWQLQJ I|U DWW LQJULSDQGH VND In VNH PHG VW|G DY EHVWlPPHOVHQ lU DWW |YHUWUlGHOVHQ DYVHU EHVWlPPHOVHU VRP DQWDJLWV I|U DWW JHQRPI|UD UHJOHUQD L NDSLWOHQ 9 RFK 9, L I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW GYV DUWLNODUQD ± L GLUHNWLYHW 'HW lU VnOHGHV IUnJD RP UHJOHU VRP L VYHQVN UlWW JHQRPI|UV L NDS L I|UHYDUDQGH ODJ gYHUWUlGHOVH InU LQWH KHOOHU VNH DY I|UHVNULIWHU VRP KDU PHGGHODWV PHG VW|G DY EHVWlPPHOVHUQD L GHVVD NDSLWHO 0HG KlQYLVQLQJHQ DYVHV EHVWlP PHOVHUQD L ± NDS L WLOOlPSOLJD GHODU %HVWlPPHOVHU L GHVVD NDSLWHO VRP

W H[ HQGDVW U|U I|UVlNULQJVI|UHWDJ RPIDWWDV GlUI|U LQWH

$Y andra stycket I|OMHU DWW )LQDQVLQVSHNWLRQHQ YLG |YHUWUlGHOVH InU I|UHOlJJD ((6 I|UVlNULQJVI|UPHGODUHQ DWW J|UD UlWWHOVH , GHQ VYHQVND VSUnNYHUVLRQHQ DY DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DQJHV DWW GHQ EHK|ULJD P\QGLJKHWHQ VND ´I|UHVOn Q|GYlQGLJD nWJlUGHU´ , GHQ HQJHOVND VSUnNYHUVLRQHQ DQJHV GlUHPRW DWW GHQ EHK|ULJD P\QGLJKHWHQ VND KD UlWW DWW YLGWD OlPSOLJD nWJlUGHU ´WDNH DSSURSULDWH PHDVXUHV´ 'HW

InU GlULJHQRP DQVHV VWn NODUW DWW GHW lU YLGWDJDQGH DY nWJlUGHU VRP DYVHV , tredje stycket VRP PRWVYDUDU NDS † DQGUD VW\FNHW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ DQJHV DWW )LQDQVLQVSHNWLRQHQ RP UlWWHOVH LQWH VNHU InU I|UEMXGD ((6 I|UVlNULQJVI|UPHGODUHQ DWW EHGULYD I|UVlNULQJV

GLVWULEXWLRQ KlU L ODQGHW

$Y fjärde stycket I|OMHU DWW )LQDQVLQVSHNWLRQHQ VND XQGHUUlWWD EHU|UGD EHK|ULJD P\QGLJKHWHU (XURSHLVND NRPPLVVLRQHQ RFK (LRSD RP nWJlUGHU VRP YLGWDV PHG VW|G DY EHVWlPPHOVHQ DUWLNHO $WW )LQDQVLQVSHN WLRQHQ VND XQGHUUlWWD ((6 I|UVlNULQJVI|UPHGODUHQ RP VnGDQD nWJlUGHU I|OMHU DY I|UYDOWQLQJVODJHQ

gYHUYlJDQGHQD ILQQV L DYVQLWW

,QJULSDQGH PRW ((6 I|UVlNULQJVI|UPHGODUH †

3DUDJUDIHQ JHQRPI|U GHOYLV DUWLNODUQD RFK L I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW

, SDUDJUDIHQ VRP LQWH KDU QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJV I|UPHGOLQJ UHJOHUDV )LQDQVLQVSHNWLRQHQV P|MOLJKHW DWW YlQGD VLJ WLOO GHQ

EHK|ULJD P\QGLJKHWHQ L HQ ((6 I|UVlNULQJVI|UPHGODUHV KHPODQG QlU

opaginerad HOOHU † Kontrollera mot PDF

I|UPHGODUHQ KDU JMRUW VLJ VN\OGLJ WLOO DQGUD |YHUWUlGHOVHU lQ VnGDQD VRP

JHU LQVSHNWLRQHQ UlWW DWW LQJULSD GLUHNW PRW I|UPHGODUHQ HQOLJW HOOHU

† VH I|UIDWWQLQJVNRPPHQWDUHUQD WLOO GH SDUDJUDIHUQD )LQDQVLQVSHN

WLRQHQV P|MOLJKHW DWW YlQGD VLJ WLOO GHQ EHK|ULJD P\QGLJKHWHQ L KHP

ODQGHW InU EHWUDNWDV VRP HQ KXYXGUHJHO YLG |YHUWUlGHOVHU VRP HQ ((6

I|UVlNULQJVI|UPHGODUH J|U VLJ VN\OGLJ WLOO QlU GHQ EHGULYHU YHUNVDPKHW L

6YHULJH HIWHUVRP GHQ JlOOHU DOOD |YHUWUlGHOVHU VRP LQWH RPIDWWDV DY

HOOHU †

$Y första stycket I|OMHU DWW EHVWlPPHOVHQ lU WLOOlPSOLJ YLG DQGUD W\SHU

DY |YHUWUlGHOVHU lQ VnGDQD VRP DYVHV L † QlU GHW JlOOHU ((6 I|UVl

NULQJVI|UPHGODUH VRP EHGULYHU YHUNVDPKHW KlU PHG VW|G DY HWDEOHULQJV

IULKHWHQ

, andra stycket DQJHV )LQDQVLQVSHNWLRQHQ RFNVn InU YlQGD VLJ WLOO (LRSD

VRP VHGDQ InU KDQWHUD lUHQGHW HQOLJW (LRSDI|URUGQLQJHQ 2P GHW ILQQV

I|UXWVlWWQLQJDU I|U )LQDQVLQVSHNWLRQHQ DWW LQJULSD HQOLJW † NDQ

LQVSHNWLRQHQ YlOMD PHOODQ DWW LQJULSD HQOLJW GHQ SDUDJUDIHQ HOOHU DWW YlQGD

VLJ WLOO GHQ DQGUD EHK|ULJD P\QGLJKHWHQ HOOHU KlQVNMXWD lUHQGHW WLOO (LRSD

HQOLJW I|UHYDUDQGH SDUDJUDI )LQDQVLQVSHNWLRQHQ InU RFNVn YlOMD RP

KXUXYLGD LQVSHNWLRQHQ VND YlQGD VLJ WLOO GHQ EHK|ULJD P\QGLJKHWHQ L

KHPODQGHW LQQDQ lUHQGHW KlQVNMXWV WLOO (LRSD HOOHU RP lUHQGHW VND

KlQVNMXWDV WLOO (LRSD RPHGHOEDUW )LQDQVLQVSHNWLRQHQV YDO PHOODQ GH ROLND

DOWHUQDWLYHQ E|U VW\UDV DY RPVWlQGLJKHWHUQD L GHW HQVNLOGD IDOOHW

$Y tredje stycket I|OMHU DWW EHVWlPPHOVHQ lU WLOOlPSOLJ lYHQ YLG

|YHUWUlGHOVHU VRP EHJnV DY ((6 I|UVlNULQJVI|UPHGODUH VRP EHGULYHU

YHUNVDPKHW KlU PHG VW|G DY IULKHWHQ DWW WLOOKDQGDKnOOD WMlQVWHU

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U DUWLNODUQD ± ± RFK L I|UVlNULQJV

GLVWULEXWLRQVGLUHNWLYHW

3DUDJUDIHQ PRWVYDUDU GHOYLV NDS † ODJHQ RP I|UVlNULQJV

I|UPHGOLQJ

3DUDJUDIHQ UHJOHUDU WUH VLWXDWLRQHU QlU )LQDQVLQVSHNWLRQHQ NDQ LQJULSD

GLUHNW PRW HQ ((6 I|UVlNULQJVI|UPHGODUH XWDQ I|UHJnHQGH EHJlUDQ WLOO

GHQ EHK|ULJD P\QGLJKHWHQ L I|UPHGODUHQV KHPODQG RP DWW GHQ P\QGLJ

KHWHQ VND YLGWD nWJlUG 'HW U|U VLJ RP VLWXDWLRQHU VRP NDQ EHWHFNQDV VRP

VlUVNLOW NYDOLILFHUDGH VRP PRWLYHUDU DWW DYVWHJ J|UV IUnQ KXYXGUHJHOQ L

† DWW LQJULSDQGH VND VNH JHQRP XQGHUUlWWHOVH WLOO EHK|ULJ P\QGLJKHW L

KHPODQGHW

, första stycket DQJHV QlU )LQDQVLQVSHNWLRQHQ InU LQJULSD PRW HQ ((6

I|UVlNULQJVI|UPHGODUH VRP EHGULYHU I|UVlNULQJVGLVWULEXWLRQ KlU L ODQGHW

,QJULSDQGH HQOLJW GHWWD VW\FNH VND VNH JHQRP I|UHOlJJDQGH DWW J|UD

UlWWHOVH

, första stycket 1 JHQRPI|UV DUWLNODUQD WUHGMH VW\FNHW RFK L

I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW VRP JHU GHQ EHK|ULJD P\QGLJKHWHQ L

YlUGODQGHW P|MOLJKHW DWW YLGWD nWJlUGHU PRW HQ ((6 I|UVlNULQJV

I|UPHGODUH 6RP I|UXWVlWWQLQJ JlOOHU DWW GHQ EHK|ULJD P\QGLJKHWHQ L

KHPODQGHW DQWLQJHQ LQWH YLGWDJLW nWJlUGHU HOOHU KDU YLGWDJLW RWLOOUlFNOLJD

nWJlUGHU HIWHU DWW KD PRWWDJLW LQIRUPDWLRQ IUnQ GHQ EHK|ULJD P\QGLJKHWHQ

L YlUGODQGHW RP DWW HQ ((6 I|UVlNULQJVI|UPHGODUH PHG KHPYLVW L

opaginerad YLGWDJLW NDQ DQWDV YDUD RWLOOUlFNOLJD Kontrollera mot PDF

KHPODQGHW KDU JMRUW VLJ VN\OGLJ WLOO UHJHO|YHUWUlGHOVHU )LQDQVLQVSHN WLRQHQ InU DOOWVn EDUD LQJULSD RP HQ EHJlUDQ RP nWJlUGHU KDU IUDPVWlOOWV KRV GHQ EHK|ULJD P\QGLJKHWHQ L ((6 I|UVlNULQJVI|UPHGODUHQV KHPODQG RFK GHW HIWHU GHQQD EHJlUDQ LQWH IUDPNRPPLW DWW KHPODQGVP\QGLJKHWHQ KDU YLGWDJLW nWJlUGHU HOOHU DWW GH nWJlUGHU VRP KHPODQGVP\QGLJKHWHQ KDU

YLGWDJLW NDQ DQWDV YDUD RWLOOUlFNOLJD

, första stycket 2 JHQRPI|UV DUWLNODUQD RFK L I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW VRP P|MOLJJ|U I|U )LQDQVLQVSHNWLRQHQ VRP EH K|ULJ P\QGLJKHW L YlUGODQGHW DWW LQJULSD PRW HQ ((6 I|UVlNULQJV I|UPHGODUH VRP |YHUWUlGHU EHVWlPPHOVHU L VYHQVN UlWW VRP VND DQVHV KD VlUVNLOG EHW\GHOVH I|U NRQVXPHQWVN\GGHW HOOHU QnJRW DQQDW VN\GGDW DOOPlQLQWUHVVH )|U HWW LQJULSDQGH HQOLJW EHVWlPPHOVHQ NUlYV DWW HWW RPHGHOEDUW LQJULSDQGH VND YDUD Q|GYlQGLJW , † ILQQV HWW EHP\Q GLJDQGH I|U UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU DWW PHGGHOD I|UHVNULIWHU RP YLOND EHVWlPPHOVHU VRP VND DQVHV KD VlUVNLOG EHW\GHOVH I|U NRQVXPHQWVN\GGHW HOOHU QnJRW DQQDW VN\GGDW DOOPlQ

LQWUHVVH

, första stycket 3 JHQRPI|UV DUWLNHO L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW VRP JHU PHGOHPVVWDWHUQD UlWW DWW YLGWD nWJlUGHU RP HQ ((6 I|UVlNULQJVI|UPHGODUH KDU HWDEOHUDW VLJ L HQ DQQDQ PHGOHPVVWDW L V\IWH DWW NULQJJn UHJOHU L YlUGODQGHW 'HW EHK|YHU LQWH YDUD XWUHWW DWW GHW lU V\IWHW I|U DWW GHW VND ILQQDV I|UXWVlWWQLQJDU I|U )LQDQVLQVSHNWLRQHQ DWW LQJULSD , VWlOOHW UlFNHU GHW DWW GHW NDQ DQWDV DWW GHW ILQQV HWW VnGDQW V\IWH 0HG GHW DYVHV DWW )LQDQVLQVSHNWLRQHQ PnVWH KD NRQNUHW VW|G I|U DWW HWDEOHULQJHQ L GHW DQGUD ODQGHW VNHWW I|U DWW NULQJJn UHJOHU VRP VNXOOH JlOOD I|U

I|UPHGODUHQ RP HWDEOHULQJHQ L VWlOOHW VNHWW KlU L ODQGHW

Andra stycket VRP PRWVYDUDU NDS † DQGUD VW\FNHW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ JHU )LQDQVLQVSHNWLRQHQ UlWW DWW I|UHOlJJD HQ ((6 I|UVlNULQJVI|UPHGODUH DWW XSSK|UD PHG YHUNVDPKHW KlU L ODQGHW %HVWlP PHOVHQ JHQRPI|U DUWLNODUQD RFK L I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW QlU GHW JlOOHU EHIRJHQKHWHQ I|U GHQ EHK|ULJD P\QGLJKHWHQ DWW KLQGUD HQ I|UVlNULQJVI|UPHGODUH DWW EHGULYD YHUNVDPKHW

LQRP PHGOHPVVWDWHQV WHUULWRULXP

$Y tredje stycket I|OMHU DWW )LQDQVLQVSHNWLRQHQ VND XQGHUUlWWD EHU|UGD EHK|ULJD P\QGLJKHWHU (XURSHLVND NRPPLVVLRQHQ RFK (LRSD RP nWJlUGHU VRP YLGWDJLWV PHG VW|G DY EHVWlPPHOVHQ 2P )LQDQVLQVSHNWLRQHQ DYVHU DWW YLGWD nWJlUGHU PHG VW|G DY I|UVWD VW\FNHW HOOHU VND )LQDQV LQVSHNWLRQHQ LQIRUPHUD GHQ EHK|ULJD P\QGLJKHWHQ L ((6 I|UVlNULQJV I|UPHGODUHQV KHPODQG LQQDQ nWJlUGHUQD YLGWDV $WW )LQDQVLQVSHNWLRQHQ VND XQGHUUlWWD EHU|UG I|UVlNULQJVI|UPHGODUH I|OMHU DY I|UYDOWQLQJVODJHQ

gYHUYlJDQGHQD ILQQV L DYVQLWW

,QJULSDQGH YLG LQWHUQDWLRQHOO |YHUHQVNRPPHOVH RP |YHUI|ULQJ DY WLOOV\QVDQVYDU

†

3DUDJUDIHQ JHQRPI|U GHOYLV DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 3DUDJUDIHQ VRP LQWH KDU QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJV I|UPHGOLQJ LQQHKnOOHU EHVWlPPHOVHU RP )LQDQVLQVSHNWLRQHQV P|MOLJKHW DWW LQJULSD PRW HQ ((6 I|UVlNULQJVI|UPHGODUH VRP KDU VLWW KXYXGVDNOLJD

YHUNVDPKHWVVWlOOH L 6YHULJH QlU LQVSHNWLRQHQ KDU LQJnWW HQ LQWHUQDWLRQHOO

opaginerad |YHUHQVNRPPHOVH RP DWW LQVSHNWLRQHQ WDU |YHU WLOOV\QVDQVYDUHW I|U HQ Kontrollera mot PDF

|YHUHQVNRPPHOVH RP DWW LQVSHNWLRQHQ WDU |YHU WLOOV\QVDQVYDUHW I|U HQ

I|UPHGODUH

, första stycket DQJHV QlU )LQDQVLQVSHNWLRQHQ InU LQJULSD PRW HQ VnGDQ ((6 I|UVlNULQJVI|UPHGODUH %HVWlPPHOVHU RP WLOOV\QDQVYDUHW |YHU GHVVD I|UVlNULQJVI|UPHGODUH ILQQV L NDS † VH I|UIDWWQLQJVNRPPHQWDUHQ WLOO GHQ SDUDJUDIHQ )LQDQVLQVSHNWLRQHQ NDQ LQJULSD PRW VnGDQD ((6 I|UVlNULQJVI|UPHGODUH RP GH |YHUWUlGHU QnJRQ EHVWlPPHOVH L NDS ± †† HOOHU ± NDS HOOHU I|UHVNULIWHU VRP KDU PHGGHODWV DYVHHQGH GHVVD EHVWlPPHOVHU 'HVVD EHVWlPPHOVHU LQQHKnOOHU L DOOW YlVHQWOLJW I|UXWVlWW QLQJDU I|U WLOOVWnQG RFK XSSI|UDQGHUHJOHU ,QJULSDQGH NDQ VNH lYHQ YLG |YHUWUlGHOVH DY GHVVD EHVWlPPHOVHU QlU ((6 I|UVlNULQJVI|UPHGODUHQ

EHGULYHU JUlQV|YHUVNULGDQGH YHUNVDPKHW L HWW DQQDW ODQG LQRP ((6

, andra stycket DQJHV GH nWJlUGHU VRP )LQDQVLQVSHNWLRQHQ NDQ LQJULSD PHG )LQDQVLQVSHNWLRQHQ KDU VnOHGHV LQWH P|MOLJKHW DWW nWHUNDOOD ((6

I|UVlNULQJVI|UPHGODUHQV WLOOVWnQG HOOHU UHJLVWUHULQJ

, tredje stycket DQJHV DWW RP YHUNVDPKHWHQ L 6YHULJH EHGULYV L HQ ILOLDO VND )LQDQVLQVSHNWLRQHQ LQJULSD PRW ILOLDOHQV YHUNVWlOODQGH GLUHNW|U PHG WLOOlPSQLQJ DY RFK †† +lQYLVQLQJHQ LQQHElU DWW )LQDQVLQVSHNWLRQHQ VRP EHK|ULJ P\QGLJKHW NDQ LQJULSD IXOOW XW GYV lYHQ PRW OHGQLQJV SHUVRQHU XQGHU VDPPD I|UXWVlWWQLQJDU RFK HQOLJW VDPPD I|UIDUDQGH VRP HWW VnGDQW LQJULSDQGH NDQ VNH EHWUlIIDQGH HQ VYHQVN I|UVlNULQJV I|UPHGODUH 1lU GHW JlOOHU LQJULSDQGH PRW ((6 I|UVlNULQJVI|UPHGODUH VRP EHGULYHU VLQ YHUNVDPKHW L HQ ILOLDO L 6YHULJH VND VnGDQD LQJULSDQGHQ ULNWDV PRW ILOLDOHQV YHUNVWlOODQGH GLUHNW|U

gYHUYlJDQGHQD ILQQV L DYVQLWW

,QJULSDQGH PRW I|UVlNULQJVI|UPHGODUH IUnQ WUHGMHODQG †

3DUDJUDIHQ VRP PRWVYDUDU NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ JHU )LQDQVLQVSHNWLRQHQ P|MOLJKHW DWW LQJULSD PRW I|UVlNULQJVI|UPHGODUH IUnQ WUHGMHODQG (IWHUVRP VnGDQD I|UVlNULQJVI|UPHGODUH HQGDVW InU XW|YD YHUNVDPKHW KlU L ODQGHW HIWHU WLOOVWnQG IUnQ )LQDQVLQVSHNWLRQHQ KDU LQVSHNWLRQHQ P|MOLJKHW DWW LQJULSD PRW GHP L VDPPD RPIDWWQLQJ RFK XQGHU VDPPD I|UXWVlWWQLQJDU VRP L IUnJD RP VYHQVND I|UVlNULQJV I|UPHGODUH GYV lYHQ JHQRP nWHUNDOOHOVH DY WLOOVWnQG

gYHUYlJDQGHQD ILQQV L DYVQLWW

,QJULSDQGH PRW GHQ VRP VDNQDU WLOOVWnQG HOOHU UHJLVWUHULQJ †

3DUDJUDIHQ JHQRPI|U GHOYLV DUWLNHO D L I|UVlNULQJVGLVWULEXWLRQV GLUHNWLYHW

3DUDJUDIHQ PRWVYDUDU NDS RFK †† ODJHQ RP I|UVlNULQJVI|UPHG

OLQJ

Första RFK andra styckena I|UV |YHU L KXYXGVDN RI|UlQGUDGH IUnQ NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ VH SURS V %HVWlPPHOVHUQD DQSDVVDV HPHOOHUWLG Vn DWW GH JlOOHU I|UVlNULQJV

GLVWULEXWLRQ

$Y tredje stycket I|OMHU DWW HWW EHVOXW RP nWHUNDOOHOVH DY WLOOVWnQG InU I|UHQDV PHG I|UEXG DWW IRUWVlWWD YHUNVDPKHWHQ %HVWlPPHOVHQ PRWVYDUDU

opaginerad gYHUYlJDQGHQD ILQQV L DYVQLWW Kontrollera mot PDF

NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ VRP L VLQ WXU L VDN PRWVYDUDU † DQGUD VW\FNHW L GHQ QXPHUD XSSKlYGD I|UVlNULQJVPlNODUODJHQ %HVWlPPHOVHQ LQQHElU DWW )LQDQVLQVSHNWLRQHQ KDU P|MOLJKHW DWW I|UHQD HWW EHVOXW RP nWHUNDOOHOVH DY WLOOVWnQG PHG HWW I|UEXG DWW IRUWVlWWD YHUNVDP KHWHQ (WW VnGDQW I|UEXG NDQ I|UHQDV PHG YLWH VH † RFK I|UIDWWQLQJV NRPPHQWDUHQ WLOO GHQ SDUDJUDIHQ (WW LQJULSDQGH HQOLJW I|UVWD VW\FNHW NDQ DNWXDOLVHUDV EnGH L VnGDQD IDOO GlU QnJRQ DOGULJ KDIW WLOOVWnQG HOOHU YDULW UHJLVWUHUDG HOOHU L IDOO GlU QnJRQ KDU InWW VLWW WLOOVWnQG HOOHU VLQ UHJLVWUHULQJ nWHUNDOODG 'HW NDQ RFNVn YDUD IUnJD RP LQJULSDQGH WLOO I|OMG DY DWW HQ I|UVlNULQJVGLVWULEXW|U EHGULYHU YHUNVDPKHW VRP LQWH RPIDWWDV DY HWW YLVVW WLOOVWnQG *HQRP EHVWlPPHOVHQ NDQ )LQDQVLQVSHNWLRQHQ UHGDQ L VDPEDQG PHG nWHUNDOOHOVH DY HWW WLOOVWnQG PHGGHOD HWW YLWHVI|UHOlJJDQGH MIU SURS V

gYHUYlJDQGHQD ILQQV L DYVQLWW

,QJULSDQGH PRW lJDUH †

3DUDJUDIHQ JHQRPI|U DUWLNHO IHPWH VW\FNHW RFK L I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW

3DUDJUDIHQ VRP LQWH KDU QnJRQ PRWVYDULJKHW L ODJHQ RP I|UVlNULQJV I|UPHGOLQJ LQQHKnOOHU EHVWlPPHOVHU RP LQJULSDQGH QlU HQ lJDUH VRP JHQRP VLWW LQQHKDY KDU QlUD I|UELQGHOVHU PHG HQ I|UVlNULQJVI|UPHGODUH RFK GHW KLQGUDUH HQ HIIHNWLY WLOOV\Q |YHU I|UPHGODUHQ 3DUDJUDIHQ lU XW IRUPDG HIWHU I|UHELOG DY PRWVYDUDQGH EHVWlPPHOVHU L DQQDQ ODJVWLIWQLQJ Sn ILQDQVPDUNQDGVRPUnGHW VH W H[ NDS † I|UVWD VW\FNHW ODJHQ RP EDQN RFK ILQDQVLHULQJVU|UHOVH RFK NDS † I|UVWD VW\FNHW I|UVlN ULQJVU|UHOVHODJHQ

%HVWlPPHOVHQ J|U GHW P|MOLJW DWW I|UKLQGUD DWW HQ VYnU|YHUVNnGOLJ I|UH WDJVJUXSS I|UKLQGUDU HQ HIIHNWLY WLOOV\Q DY HQ I|UVlNULQJVI|UPHGODUH %HVWlPPHOVHQ lU NRSSODG WLOO GHQ DQPlOQLQJVVN\OGLJKHW DY QlUD I|U ELQGHOVHU VRP JlOOHU HQOLJW NDS † (Q I|UXWVlWWQLQJ I|U HWW I|UH OlJJDQGH HQOLJW SDUDJUDIHQ lU GRFN DWW GH QlUD I|UELQGHOVHUQD KLQGUDU HQ HIIHNWLY WLOOV\Q DY I|UPHGODUHQ $Y † I|OMHU DWW HWW I|UHOlJJDQGH HQOLJW SDUDJUDIHQ InU I|UHQDV PHG YLWH

)LQDQVLQVSHNWLRQHQ KDU QlU GHW JlOOHU I|UVlNULQJVI|UPHGODUH WLOO VNLOOQDG IUnQ YDG VRP JlOOHU HQOLJW DQQDQ ODJVWLIWQLQJ Sn ILQDQV PDUNQDGVRPUnGHW HQGDVW P|MOLJKHW DWW I|UHOlJJD HQ lJDUH DWW DY\WWUD VLWW LQQHKDY VRP PHGI|U DWW GHW I|UHOLJJHU QlUD I|UELQGHOVHU )LQDQV LQVSHNWLRQHQ KDU VnOHGHV LQWH QnJRQ P|MOLJKHW DWW NRPSOHWWHUD HWW VnGDQW I|UHOlJJDQGH PHG HWW EHVOXW RP DWW HQ lJDUH LQWH InU XW|YD VLQ U|VWUlWW Sn VWlPPD I|U GHVVD DNWLHU HOOHU DQGHODU

gYHUYlJDQGHQD ILQQV L DYVQLWW

9LWH †

3DUDJUDIHQ VRP PRWVYDUDU NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ LQQHElU DWW )LQDQVLQVSHNWLRQHQ KDU P|MOLJKHW DWW I|UHOlJJD YLWH QlU GHQ XWIlUGDU HWW I|UHOlJJDQGH HOOHU PHGGHODU HWW I|UEXG HQOLJW ODJHQ %HVWlP

PHOVHU RP YLWHQ ILQQV L ODJHQ RP YLWHQ

opaginerad gYHUYlJDQGHQD ILQQV L DYVQLWW Kontrollera mot PDF

gYHUYlJDQGHQD ILQQV L DYVQLWW

%HP\QGLJDQGH †

, SDUDJUDIHQ ILQQV HWW EHP\QGLJDQGH I|U UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU VRP ELGUDU WLOO DWW JHQRPI|UD DUWLNODUQD RFK L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW %HP\QGLJDQGHW J|U GHW P|MOLJW DWW PHGGHOD I|UHVNULIWHU RP DWW YLVVD EHVWlPPHOVHU L VYHQVND I|UIDWWQLQJDU VND DQVHV KD VlUVNLOG EHW\GHOVH I|U NRQVXPHQWVN\GGHW HOOHU QnJRW DQQDW VN\GGDW DOOPlQLQWUHVVH Sn GHW VlWW VRP DYVHV L † I|UVWD VW\FNHW $WW HQ I|UIDWWQLQJ KDU GHQQD VWlOOQLQJ PHGI|U HQOLJW GHQ VLVWQlPQGD EHVWlPPHOVHQ DWW )LQDQVLQVSHNWLRQHQ NDQ LQJULSD GLUHNW PRW HQ ((6 I|UVlNULQJVI|UPHGODUH VRP L VLQ YHUNVDPKHW KlU |YHUWUlGHU I|UIDWWQLQJHQ , DQQDW IDOO PnVWH )LQDQVLQVSHNWLRQHQ I|UVW XQGHUUlWWD GHQ EHK|ULJD P\QGLJKHWHQ L ((6 I|UVlNULQJVI|UPHGODUHQV KHPODQG LQQDQ LQVSHNWLRQHQ NDQ LQJULSD GLUHNW PRW I|UPHGODUHQ VH I|UIDWWQLQJV NRPPHQWDUHQ WLOO †

gYHUYlJDQGHQD ILQQV L DYVQLWW

NDS gYHUNODJDQGH †

3DUDJUDIHQ JHQRPI|U DUWLNODUQD DQGUD VW\FNHW RFK L I|UVlNULQJV GLVWULEXWLRQVGLUHNWLYHW

3DUDJUDIHQ VRP L KXYXGVDN PRWVYDUDU NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ LQQHKnOOHU EHVWlPPHOVHU RP |YHUNODJDQGH DY

)LQDQVLQVSHNWLRQHQV EHVOXW

$Y första stycket I|OMHU DWW EHVOXW RP VDQNWLRQVI|UHOlJJDQGH HOOHU EHVOXW RP DWW I|UHOlJJD QnJRQ DWW OlPQD XSSO\VQLQJDU VRP )LQDQVLQVSHNWLRQHQ

EHK|YHU I|U DWW EHG|PD RP ODJHQ lU WLOOlPSOLJ LQWH InU |YHUNODJDV Andra stycket LQQHElU DWW )LQDQVLQVSHNWLRQHQV EHVOXW PHG XQGDQWDJ DY

EHVOXW VRP DYVHV L I|UVWD VW\FNHW RFK V N QRUPJLYQLQJVEHVOXW HQOLJW †

I|UVWD VW\FNHW I|UYDOWQLQJVODJHQ InU |YHUNODJDV WLOO DOOPlQ I|UYDOWQLQJV GRPVWRO (QOLJW tredje stycket NUlYV SU|YQLQJVWLOOVWnQG YLG |YHUNODJDQGH

WLOO NDPPDUUlWWHQ

$Y fjärde stycket I|OMHU DWW )LQDQVLQVSHNWLRQHQ InU EHVWlPPD DWW HWW EHVOXW RP I|UEXG I|UHOlJJDQGH HOOHU nWHUNDOOHOVH VND JlOOD RPHGHOEDUW

gYHUYlJDQGHQD ILQQV L DYVQLWW

†

3DUDJUDIHQ JHQRPI|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW 3DUDJUDIHQ VRP PRWVYDUDU NDS † ODJHQ RP I|UVlNULQJVI|UPHG

OLQJ LQQHKnOOHU EHVWlPPHOVHU RP |YHUNODJDQGH DY %RODJVYHUNHWV EHVOXW gYHUYlJDQGHQD ILQQV L DYVQLWW

,NUDIWWUlGDQGH RFK |YHUJnQJVEHVWlPPHOVHU

,NUDIWWUlGDQGH RFK |YHUJnQJVEHVWlPPHOVHUQD JHQRPI|U DUWLNODUQD RFK L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

opaginerad Punkterna 1 RFK 2 DQJHU QlU ODJHQ WUlGHU L NUDIW RFK QlU ODJHQ RP Kontrollera mot PDF

Punkterna 1 RFK 2 DQJHU QlU ODJHQ WUlGHU L NUDIW RFK QlU ODJHQ RP

I|UVlNULQJVI|UPHGOLQJ XSSK|U DWW JlOOD 7LGSXQNWHQ I|OMHU DY DUWLNODUQD

RFK L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

Punkt 3 UHJOHUDU GHW VRP JlOOHU I|U GH WLOOVWnQG DWW XW|YD I|UVlNULQJV

I|UPHGOLQJ VRP PHGGHODWV HQOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ

Punkt 4 UHJOHUDU GHW VRP JlOOHU I|U GH XWOlQGVND I|UVlNULQJVI|UPHGODUH

IUnQ HWW DQQDW ODQG LQRP ((6 VRP KDU XQGHUUlWWDW RP VLQ DYVLNW DWW

EHGULYD YHUNVDPKHW L 6YHULJH

Punkt 5 UHJOHUDU GHW VRP JlOOHU I|U VnGDQD DQNQXWQD I|UVlNULQJV

I|UPHGODUH VRP DYVHV L NDS † D ODJHQ RP I|UVlNULQJVI|UPHGOLQJ ±

GYV DQNQXWQD I|UVlNULQJVI|UPHGODUH PHG I|UVlNULQJVI|UPHGOLQJ VRP VLQ

KXYXGYHUNVDPKHW ± QlU I|UHYDUDGH ODJ WUlGHU L NUDIW

)|U VnGDQD I|UPHGODUH VRP VND GLVWULEXHUD I|UVlNULQJVEDVHUDGH

LQYHVWHULQJVSURGXNWHU NUlYV WLOOVWnQG HQOLJW NDS † 8QGHU HQ |YHU

JnQJVWLG InU GH P|MOLJKHW DWW IRUWVlWWD GULYD VLQ YHUNVDPKHW XWDQ WLOOVWnQG

)|U DQNQXWQD I|UVlNULQJVI|UPHGODUH VRP KDU I|UVlNULQJVI|UPHGOLQJ

VRP VLQ KXYXGYHUNVDPKHW PHQ VRP LQWH VND GLVWULEXHUD I|UVlNULQJV

EDVHUDGH LQYHVWHULQJVSURGXNWHU JlOOHU L VWlOOHW GHQ VlUVNLOGD RUGQLQJHQ

I|U UHJLVWUHULQJ (Q UHJLVWUHULQJ VRP DQNQXWHQ I|UVlNULQJVI|UPHGODUH

HQOLJW NDS † D ODJHQ RP I|UVlNULQJVI|UPHGOLQJ VND I|U GHVVD

I|UVlNULQJVI|UPHGODUH JlOOD VRP UHJLVWUHULQJ VRP DQNQXWHQ I|UVlNULQJV

I|UPHGODUH HQOLJW I|UHYDUDQGH ODJ

Punkt 6 UHJOHUDU GHW VRP JlOOHU I|U VnGDQD DQNQXWQD I|UVlNULQJVI|U

PHGODUH VRP DYVHV L NDS † E ODJHQ RP I|UVlNULQJVI|UPHGOLQJ ±

GYV DQNQXWQD I|UVlNULQJVI|UPHGODUH VRP KDU HQ DQQDQ KXYXGVDNOLJ

YHUNVDPKHW lQ I|UVlNULQJVI|UPHGOLQJ ± QlU I|UHYDUDQGH ODJ WUlGHU L NUDIW

'HVVD I|UPHGODUHV UHJLVWUHULQJ VND IRUWVlWWD DWW JlOOD VRP UHJLVWUHULQJ

VRP DQNQXWHQ VLGRYHUNVDP I|UVlNULQJVI|UPHGODUH HQOLJW I|UHYDUDQGH ODJ

Punkt 7 UHJOHUDU GHW VRP JlOOHU I|U GH VRP KDU WLOOVWnQG DWW GULYD VLGR

YHUNVDPKHW PHG IRQGDQGHODU HQOLJW NDS † ODJHQ RP I|UVlNULQJVI|U

PHGOLQJ QlU I|UHYDUDQGH ODJ WUlGHU L NUDIW 6nGDQD WLOOVWnQG InU LQWH NXQQD

PHGGHODV HQOLJW I|UHYDUDQGH ODJ , VWlOOHW NDQ I|UVlNULQJVI|UPHGODUH In HWW

VlUVNLOW WLOOVWnQG VLGRWLOOVWnQG HQOLJW NDS † VRP JHU UlWW DWW OlPQD

LQYHVWHULQJVUnGJLYQLQJ DYVHHQGH IRQGDQGHODU PHG DQNQ\WQLQJ WLOO HQ

I|UVlNULQJ VH DYVQLWW

gYHUJnQJVEHVWlPPHOVHQ L GHQQD SXQNW LQQHElU DWW I|UVlNULQJV

I|UPHGODUH VRP KDU WLOOVWnQG DWW GULYD VLGRYHUNVDPKHW HQOLJW NDS †

ODJHQ RP I|UVlNULQJVI|UPHGOLQJ IRUWVlWWD PHG GHQ YHUNVDPKHWHQ WLOO

XWJnQJHQ DY (IWHU GHW GDWXPHW JlOOHU HWW VnGDQW WLOOVWnQG VRP HWW

WLOOVWnQG DWW GULYD VLGRYHUNVDPKHW HQOLJW NDS † I|UHYDUDQGH ODJ

7LOOVWnQGHW HQOLJW NDS † JlOOHU GRFN HQGDVW PHG DYVHHQGH Sn VnGDQD

WLOOJnQJDU VRP DQJHV L NDS † I|UVWD VW\FNHW ODJHQ RP

YlUGHSDSSHUVPDUNQDGHQ (Q I|UVlNULQJVI|UPHGODUH VRP L GDJ KDU

WLOOVWnQG HQOLJW ODJHQ RP I|UVlNULQJVI|UPHGOLQJ DWW GULYD VLGRYHUNVDPKHW

EHK|YHU DOOWVn LQWH DQV|ND RP HWW Q\WW VLGRWLOOVWnQG HQOLJW I|UHYDUDQGH ODJ

Punkt 8 JHQRPI|U DUWLNHO L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW

3XQNWHQ LQQHElU DWW I|UVlNULQJVI|UPHGODUH VHQDVW GHQ IHEUXDUL

VND XSSI\OOD NUDYHQ Sn NXQVNDS RFK NRPSHWHQV L NDS † I|UVWD

VW\FNHW UHVSHNWLYH † I|UVWD VW\FNHW

Punkt 9 VRP GHOYLV PRWVYDUDU SXQNW L |YHUJnQJVEHVWlPPHOVHUQD WLOO

ODJHQ RP I|UVlNULQJVI|UPHGOLQJ EHKDQGODU DYWDO RP I|UVlNULQJV

opaginerad I|UH LNUDIWWUlGDQGHW DY GHQ Q\D ODJHQ Kontrollera mot PDF

I|UPHGOLQJ VRP LQJnWWV I|UH LNUDIWWUlGDQGHW %HVWlPPHOVHQ XWYLGJDV L I|UKnOODQGH WLOO |YHUJnQJVEHVWlPPHOVHQ WLOO ODJHQ RP I|UVlNULQJV I|UPHGOLQJ Sn Vn VlWW DWW GHQ lYHQ RPIDWWDU I|UVlNULQJVDYWDO VRP LQJnWWV

I|UH LNUDIWWUlGDQGHW DY GHQ Q\D ODJHQ

, punkt 10 DQJHV YLOND UHJOHU VRP VND WLOOlPSDV QlU HWW LQJULSDQGH VND VNH PRW |YHUWUlGHOVHU VRP lJW UXP I|UH LNUDIWWUlGDQGHW , HQOLJKHW PHG DOOPlQQD UlWWVSULQFLSHU WLOOlPSDV Gn lOGUH EHVWlPPHOVHU XWRP Gn HQ WLOOlPSQLQJ DY Q\D EHVWlPPHOVHU VNXOOH OHGD WLOO HWW PLQGUH VWUlQJW LQJULSDQGH

Punkt 11 VRP PRWVYDUDU SXQNW L |YHUJnQJVEHVWlPPHOVHUQD WLOO ODJHQ RP I|UVlNULQJVI|UPHGOLQJ LQQHElU DWW EHVWlPPHOVHUQD L ODJHQ RP I|UVlN ULQJVI|UPHGOLQJ VND JlOOD I|U |YHUNODJDQGH DY EHVOXW VRP IDWWDWV HQOLJW GHQ ODJHQ RFK YLG KDQGOlJJQLQJHQ DY |YHUNODJDQGHW L EHU|UGD LQVWDQVHU Punkt 12 UHJOHUDU WLOOlPSQLQJHQ DY ODJHQ L I|UKnOODQGH WLOO GH OlQGHU LQRP ((6 VRP LQWH lU PHGOHPVVWDWHU L (8 'HVVD VWDWHU VND HQOLJW |YHU JnQJVEHVWlPPHOVHQ LQWH DQVHV WLOOK|UD ((6 L GHQ PHQLQJ VRP DYVHV L ODJHQ I|UUlQ I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW KDU LQIRJDWV L ((6 DYWDOHW 'HW LQIRJDQGHW VNHU JHQRP EHVOXW DY HQ NRPPLWWp VRP lU JHPHQVDP I|U (8 RFK ()7$ GH WYn LQWHUQDWLRQHOOD RUJDQLVDWLRQHU VRP WLOOVDPPDQV ELOGDU ((6 'HW lU JHQRP GHW EHVOXWHW VRP HQ (8 UlWWVDNW VRP I|UVlN ULQJVGLVWULEXWLRQVGLUHNWLYHW EOLU JlOODQGH L I|UKnOODQGH WLOO GH OlQGHU LQRP

((6 VRP LQWH lU PHGOHPVVWDWHU L (8

*HQRP |YHUJnQJVEHVWlPPHOVHQ VlNHUVWlOOV DWW ODJHQ LQWH WLOOlPSDV Sn HWW VnGDQW VlWW DWW OlQGHU LQRP ((6 VRP LQWH lU PHGOHPVVWDWHU L (8 EH KDQGODV VRP RP I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW YRUH JlOODQGH I|U GHP LQQDQ Vn lU IDOOHW 8WDQ |YHUJnQJVUHJHOQ VNXOOH I|UVlNULQJVGLVWULEXW|UHU PHG KHPYLVW L HWW ODQG LQRP ((6 VRP LQWH lU HQ PHGOHPVVWDW EHKDQGODV VRP RP GH KDGH KHPYLVW L HQ PHGOHPVVWDW WURWV DWW WLOOV\QVP\Q GLJKHWHUQD L GHUDV KHPOlQGHU LQWH RPIDWWDV DY GHW WLOOV\QVVDPDUEHWH VRP I|OMHU DY I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW (Q OLNQDQGH |YHUJnQJV EHVWlPPHOVH ILQQV L SXQNW L |YHUJnQJVEHVWlPPHOVHUQD WLOO ODJHQ RP |PVHVLGLJW ELVWnQG PHG LQGULYQLQJ DY YLVVD VDQNWLRQV DYJLIWHU YLG XWVWDWLRQHULQJ VH SURS V I

gYHUYlJDQGHQD ILQQV L DYVQLWW

)|UVODJHW WLOO ODJ RP lQGULQJ L ODJHQ RP XWOlQGVND ILOLDOHU P P

†

3DUDJUDIHQ LQQHKnOOHU HQ XSSO\VQLQJ RP DWW GHW ILQQV VlUVNLOGD EHVWlP PHOVHU RP UlWW I|U YLVVD XWOlQGVND I|UHWDJ DWW EHGULYD YHUNVDPKHW L 6YHULJH RFK KlQYLVQLQJDU WLOO HWW DQWDO ROLND ODJDU

+lQYLVQLQJHQ L punkt 9 WLOO ODJHQ RP I|UVlNULQJVI|UPHGOLQJ HUVlWWV PHG HQ KlQYLVQLQJ WLOO ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

gYHUYlJDQGHQD ILQQV L DYVQLWW

opaginerad )|UVODJHW WLOO ODJ RP lQGULQJ L ODJHQ Kontrollera mot PDF

)|UVODJHW WLOO ODJ RP lQGULQJ L ODJHQ

RP YDOXWDYl[OLQJ RFK DQQDQ ILQDQVLHOO YHUNVDPKHW

†

3DUDJUDIHQ LQQHElU VN\OGLJKHW DWW DQPlOD YLVV YHUNVDPKHW WLOO )LQDQV

LQVSHNWLRQHQ RFK LQQHKnOOHU lYHQ XQGDQWDJ IUnQ DQPlOQLQJVVN\OGLJKHWHQ

+lQYLVQLQJHQ L första stycket 2 WLOO ODJHQ RP I|UVlNULQJVI|UPHGOLQJ

HUVlWWV PHG HQ KlQYLVQLQJ WLOO ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

gYHUYlJDQGHQD ILQQV L DYVQLWW

)|UVODJHW WLOO ODJ RP lQGULQJ L ODJHQ RP EHODVWQLQJVUHJLVWHU

†

3DUDJUDIHQ UHJOHUDU HQVNLOGDV UlWW DWW Sn EHJlUDQ VNULIWOLJHQ In GHO DY

XSSJLIWHU XU EHODVWQLQJVUHJLVWUHW

+lQYLVQLQJHQ L andra stycket 3 WLOO ODJHQ RP I|UVlNULQJVI|UPHGOLQJ HUVlWWV PHG HQ KlQYLVQLQJ WLOO ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

gYHUYlJDQGHQD ILQQV L DYVQLWW

)|UVODJHW WLOO ODJ RP lQGULQJ L ODJHQ RP ILQDQVLHOO UnGJLYQLQJ WLOO NRQVXPHQWHU

3DUDJUDIHQ LQQHKnOOHU XQGDQWDJ IUnQ RFK †† I|U ILQDQVLHOO UnGJLYQLQJ VRP WLOOKDQGDKnOOV DY DQJLYQD DNW|UHU

+lQYLVQLQJHQ L punkt 2 WLOO NDS † I|UVWD VW\FNHW ODJHQ RP I|UVlN ULQJVI|UPHGOLQJ HUVlWWV PHG HQ KlQYLVQLQJ WLOO NDS † I|UVWD VW\FNHW ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ VRP PRWVYDUDU EHVWlPPHOVHQ L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ 'HW U|U VLJ DOOWVn HQGDVW RP HQ KlQYLVQLQJV lQGULQJ

gYHUYlJDQGHQD ILQQV L DYVQLWW

)|UVODJHW WLOO ODJ RP lQGULQJ L ODJHQ RP YlUGHSDSSHUVIRQGHU

NDS†

3DUDJUDIHQ LQQHKnOOHU EHP\QGLJDQGHQ WLOO UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU DWW PHGGHOD I|UHVNULIWHU L ROLND DYVHHQGHQ

, punkt 6 LQI|UV HWW Q\WW EHP\QGLJDQGH %HP\QGLJDQGHW JHU P|MOLJKHW

I|U UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU DWW

PHGGHOD I|UHVNULIWHU VRP LQQHElU DWW PRWVYDUDQGH EHVWlPPHOVHU VND JlOOD

QlU HWW IRQGERODJ XWI|U UnGJLYQLQJ LQRP IRQGYHUNVDPKHWHQ VRP GHP VRP

JlOOHU I|U HWW YlUGHSDSSHUVLQVWLWXW HQOLJW GHW GHOHJHUDGH GLUHNWLYHW WLOO

opaginerad U|U GH L NDS J † DQJLYQD SDUDJUDIHUQD MIU NDS † RFK NDS Kontrollera mot PDF

0L),' ,, RFK GHQ GHOHJHUDGH I|URUGQLQJHQ WLOO 0L),' ,, L GH GHODU VRP

U|U GH L NDS J † DQJLYQD SDUDJUDIHUQD MIU NDS † RFK NDS

† ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ L O\GHOVHQ HQOLJW SURS

1XPUHULQJHQ DY QXYDUDQGH SXQNWHUQD ± lQGUDV 'HWWD I|UDQOHGHU

I|OMlQGULQJDU L NDS D RFK †† , SDUDJUDIHQ J|UV lYHQ YLVVD

VSUnNOLJD lQGULQJDU

gYHUYlJDQGHQD ILQQV L DYVQLWW

)|UVODJHW WLOO ODJ RP lQGULQJ L ODJHQ

RP lQGULQJ L ODJHQ RP

YlUGHSDSSHUVIRQGHU

NDSJ†

3DUDJUDIHQ JlOOHU I|U VnGDQ UnGJLYQLQJ RP IRQGDQGHODU VRP HWW IRQGERODJ

XWI|U LQRP UDPHQ I|U VLQ IRQGYHUNVDPKHW RFK VRP LQWH NUlYHU WLOOVWnQG

HQOLJW NDS † I|UVWD VW\FNHW 'HQ EHKDQGODV PHU XWI|UOLJW L SURS

VH V

bQGULQJHQ LQQHElU DWW HWW IRQGERODJ VND WLOOlPSD GH DQJLYQD EHVWlP

PHOVHUQD L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ QlU GHW XWI|U UnGJLYQLQJ

LQRP IRQGYHUNVDPKHWHQ WLOO HQ NXQG RDYVHWW RP NXQGHQ lU HQ LFNH SUR

IHVVLRQHOO NXQG HOOHU HQ SURIHVVLRQHOO NXQG $Y NDS † IUDPJnU DWW

GHWVDPPD JlOOHU I|U HWW I|UYDOWQLQJVERODJV UnGJLYQLQJ LQRP IRQGYHUN

VDPKHWHQ

gYHUYlJDQGHQD ILQQV L DYVQLWW

)|UVODJHW WLOO ODJ RP lQGULQJ L ODJHQ

RP YlUGHSDSSHUVPDUNQDGHQ

NDS†

3DUDJUDIHQ LQQHKnOOHU EHVWlPPHOVHU RP VLGRYHUNVDPKHW VRP HWW YlUGH

SDSSHUVERODJ NDQ In GULYD

bQGULQJHQ L tredje stycket LQQHElU HQGDVW DWW WHUPHQ I|UVlNULQJVI|U PHGOLQJ HUVlWWV PHG WHUPHQ I|UVlNULQJVGLVWULEXWLRQ RFK KlQYLVQLQJHQ WLOO ODJHQ RP I|UVlNULQJVI|UPHGOLQJ HUVlWWV PHG HQ KlQYLVQLQJ WLOO ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ

gYHUYlJDQGHQD ILQQV L DYVQLWW

NDS†

3DUDJUDIHQ LQQHKnOOHU XQGDQWDJ IUnQ NUDYHW Sn WLOOVWnQGVSOLNW I|U YlUGH

SDSSHUVU|UHOVH

bQGULQJDU L första stycket 14 LQQHElU DWW P|MOLJKHWHQ WDV ERUW I|U

I|UVlNULQJVI|UPHGODUH DWW PHG VW|G DY HWW VlUVNLOW WLOOVWnQG GULYD

VLGRYHUNVDPKHW PHG PRWWDJDQGH RFK YLGDUHEHIRUGUDQGH DY RUGHU VDPW

LQYHVWHULQJVUnGJLYQLQJ PHG DYVHHQGH Sn IRQGDQGHODU XWDQ DQNQ\WQLQJ WLOO

HQ I|UVlNULQJ , SXQNWHQ LQI|UV L VWlOOHW HQ P|MOLJKHW I|U I|UVlNULQJV

opaginerad I|U GH WLOOJnQJDU VRP LQJnU L HQ IRQG HOOHU GHSnI|UVlNULQJ Kontrollera mot PDF

I|UPHGODUH DWW In HWW VLGRWLOOVWnQG VRP WLOO YLVV GHO VYDUDU PRW GHW VRP ILQQV L NDS † ODJHQ RP I|UVlNULQJVI|UPHGOLQJ PHG GHQ VNLOOQDGHQ DWW VLGRYHUNVDPKHWHQ HQGDVW InU DYVH LQYHVWHULQJVUnGJLYQLQJ RP IRQGDQGHODU VRP VND LQJn VRP WLOOJnQJDU L HQ IRQG HOOHU GHSnI|UVlNULQJ SXQNW D %HJUlQVQLQJHQ DY RPIDWWQLQJHQ I|U HWW VLGRWLOOVWnQG WLOO IRQGDQGHODU VRP VND LQJn L HQ IRQG HOOHU GHSnI|UVlNULQJ IUDPJnU JHQRP HQ KlQYLVQLQJ WLOO NDS † I|UVlNULQJVU|UHOVHODJHQ 'lU EHKDQGODV LQYHVWHULQJDU L WLOOJnQJDU I|U YLOND I|UVlNULQJVWDJDUHQ HOOHU QnJRQ DQQDQ HUVlWWQLQJV EHUlWWLJDG ElU SODFHULQJVULVNHQ YLONHW lU GHW JUXQGOlJJDQGH NlQQHWHFNQHW

I|U GH WLOOJnQJDU VRP LQJnU L HQ IRQG HOOHU GHSnI|UVlNULQJ

, punkt 14 b NODUJ|UV DWW GHW lU I|UEMXGHW I|U I|UVlNULQJVI|UPHGODUHQ DWW L VLQ YHUNVDPKHW HQOLJW VLGRWLOOVWnQGHW WD HPRW NXQGHUV PHGHO HOOHU DQGHODU L IRQGHU HOOHU IRQGI|UHWDJ

gYHUYlJDQGHQD ILQQV L DYVQLWW

NDS†

3DUDJUDIHQ LQQHKnOOHU EHVWlPPHOVHU RP VWDUWNDSLWDO I|U YlUGHSDSSHUV

ERODJ

+lQYLVQLQJHQ L tredje stycket lQGUDV IUnQ ODJHQ RP I|UVlNULQJVI|UPHG OLQJ WLOO ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ 'lUXW|YHU J|UV YLVVD UHGDNWLRQ HOOD lQGULQJDU

gYHUYlJDQGHQD ILQQV L DYVQLWW

NDS†

3DUDJUDIHQ LQQHKnOOHU EHP\QGLJDQGHQ I|U UHJHULQJHQ HOOHU GHQ P\QGLJKHW

VRP UHJHULQJHQ EHVWlPPHU DWW PHGGHOD I|UHVNULIWHU

, punkt 3 J|UV HWW WLOOlJJ Vn DWW EHP\QGLJDQGHW RPIDWWDU lYHQ I|UH VNULIWHU RP KXU YlUGHSDSSHUVLQVWLWXW VND OlPQD O|SDQGH LQIRUPDWLRQ RP NODJRPnO HQOLJW DUWLNHO L GHQ GHOHJHUDGH I|URUGQLQJHQ WLOO 0L),' ,, I|U DWW XSSJLIWVVN\OGLJKHWHQ VRP I|OMHU DY GHQ DUWLNHOQ VND IXOOJ|UDV , NDS D † L O\GHOVHQ HQOLJW SURS ILQQV HQ GHILQLWLRQ DY GHQ GHOHJHUDGH I|URUGQLQJHQ WLOO 0L),' ,,

gYHUYlJDQGHQD ILQQV L DYVQLWW

)|UVODJHW WLOO ODJ RP lQGULQJ L PDUNQDGVI|ULQJVODJHQ

†

3DUDJUDIHQ LQQHKnOOHU EO D HQ XSSUlNQLQJ DY YLVVD ODJDU VRP LQQHKnOOHU EHVWlPPHOVHU RP PDUNQDGVI|ULQJ

+lQYLVQLQJHQ L DQGUD VW\FNHW IMRUWRQGH VWUHFNVDWVHQ lQGUDV IUnQ ODJHQ RP I|UVlNULQJVI|UPHGOLQJ WLOO ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ RFK IO\WWDV OlQJVW QHG L VW\FNHW

gYHUYlJDQGHQD ILQQV L DYVQLWW

opaginerad )|UVODJHW WLOO ODJ RP lQGULQJ L RIIHQWOLJKHWV RFK VHNUHWHVVODJHQ Kontrollera mot PDF

)|UVODJHW WLOO ODJ RP lQGULQJ L RIIHQWOLJKHWV RFK VHNUHWHVVODJHQ

NDSE†

3DUDJUDIHQ UHJOHUDU VHNUHWHVV L HQ VWDWOLJ P\QGLJKHWV YHUNVDPKHW I|U XSSJLIW L HQ DQPlODQ HOOHU XWVDJD RP |YHUWUlGHOVH DY EHVWlPPHOVH Sn ILQDQVPDUNQDGVRPUnGHW 7\VWQDGVSOLNW L DQQDQ lQ VWDWOLJ P\QGLJKHWV

YHUNVDPKHW UHJOHUDV L NDS † ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ bQGULQJHQ L andra stycket LQQHElU DWW VHNUHWHVVHQ L GHW VW\FNHW JlOOHU L

HQ VWDWOLJ P\QGLJKHWV YHUNVDPKHW lYHQ I|U XSSJLIW L HQ DQPlODQ HOOHU XWVDJD RP |YHUWUlGHOVH DY EHVWlPPHOVH VRP JlOOHU I|U YHUNVDPKHW HQOLJW ODJHQ PHG NRPSOHWWHUDQGH EHVWlPPHOVHU WLOO (8 V I|URUGQLQJ RP IDNWD EODG I|U I|UVlNULQJVSURGXNWHU RFK GHQ Q\D ODJHQ RP I|UVlNULQJV GLVWULEXWLRQ 'HQ EHVWlPPHOVH VRP ILQQV L QXYDUDQGH WUHGMH VW\FNHW |YHUI|UV L VDN RI|UlQGUDG WLOO DQGUD VW\FNHW gYULJD lQGULQJDU lU DY HQGDVW UHGDNWLRQHOO DUW

*HQRP WLOOlJJHW DY GHQ Q\D ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ JHQRP I|UV NUDYHW L DUWLNHO F L I|UVlNULQJVGLVWULEXWLRQVGLUHNWLYHW DWW LGHQWLWHWVVN\GG VND JlOOD lYHQ I|U GHQ I\VLVND SHUVRQ VRP SnVWnV YDUD DQVYDULJ I|U |YHUWUlGHOVHQ $QPlODUHQV LGHQWLWHW RPIDWWDV DY GHQ UHGDQ EHILQWOLJD EHVWlPPHOVHQ L I|UVWD VW\FNHW 7LOOlJJHW LQQHElU DWW VHNUHWHVV JlOOHU L HQ VWDWOLJ P\QGLJKHWV YHUNVDPKHW HQOLJW ODJHQ RP I|UVlNULQJV GLVWULEXWLRQ I|U XSSJLIW RP HQ HQVNLOGV SHUVRQOLJD RFK HNRQRPLVND I|UKnOODQGHQ L HQ DQPlODQ HOOHU XWVDJD RP |YHUWUlGHOVH DY EHVWlPPHOVH L ODJ HOOHU DQQDQ I|UIDWWQLQJ VRP JlOOHU I|U I|UVlNULQJVGLVWULEXW|UHUV YHUNVDPKHW RP XSSJLIWHQ NDQ DYVO|MD GHQ DQPlOGHV LGHQWLWHW RFK GHW LQWH VWnU NODUW DWW XSSJLIWHQ NDQ U|MDV XWDQ DWW GHQQH OLGHU VNDGD HOOHU PHQ 6HNUHWHVVN\GGHW JlOOHU I|U GHQ I\VLVND SHUVRQHQ VRP XWSHNDV L HQ

DQPlODQ HOOHU XWVDJD

bQGULQJHQ L Q\D tredje stycket lU HQGDVW HQ I|OMGlQGULQJ PHG DQOHGQLQJ DY DWW EHVWlPPHOVHQ L QXYDUDQGH WUHGMH VW\FNHW |YHUI|UV WLOO DQGUD VW\FNHW

gYHUYlJDQGHQD ILQQV L DYVQLWW

)|UVODJHW WLOO ODJ RP lQGULQJ L ODJHQ RP I|UYDOWDUH DY DOWHUQDWLYD LQYHVWHULQJVIRQGHU

NDS†

3DUDJUDIHQ LQQHKnOOHU EHP\QGLJDQGHQ WLOO UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU DWW PHGGHOD I|UHVNULIWHU L ROLND DYVHHQGHQ

, punkt 4 LQI|UV HWW Q\WW EHP\QGLJDQGH %HP\QGLJDQGHW JHU P|MOLJKHW I|U UHJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU DWW PHGGHOD I|UHVNULIWHU VRP LQQHElU DWW PRWVYDUDQGH EHVWlPPHOVHU VND JlOOD QlU HQ $,) I|UYDOWDUH XWI|U UnGJLYQLQJ RP DQGHODU HOOHU DNWLHU L DOWHUQD WLYD LQYHVWHULQJVIRQGHU VRP LQWH NUlYHU WLOOVWnQG HQOLJW NDS † DQGUD VW\FNHW VRP GHP VRP JlOOHU I|U HWW YlUGHSDSSHUVLQVWLWXW HQOLJW GHW GHOH JHUDGH GLUHNWLYHW WLOO 0L),' ,, RFK GHQ GHOHJHUDGH I|URUGQLQJHQ WLOO 0L),' ,, L GH GHODU VRP U|U GH L NDS D † DQJLYQD SDUDJUDIHUQD MIU

Q\D NDS † RFK NDS † ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ VRP

opaginerad 0HG DQOHGQLQJ DY Q\D SXQNW lQGUDV QXPUHULQJHQ DY QXYDUDQGH SXQNWHUQD ± Kontrollera mot PDF

I|UHVOnV L SURS )|U IRQGERODJ I|UHVOnV HWW PRWVYDUDQGH EHP\QGLJDQGH L NDS † ODJHQ RP YlUGHSDSSHUVIRQGHU VH I|UIDWW QLQJVNRPPHQWDUHQ WLOO GHQ EHVWlPPHOVHQ L DYVQLWW

0HG DQOHGQLQJ DY Q\D SXQNW lQGUDV QXPUHULQJHQ DY QXYDUDQGH SXQNWHUQD ±

0RWVYDUDQGH lQGULQJDU J|UV lYHQ L ODJHQ RP lQGULQJ L ODJHQ RP lQGULQJ L ODJHQ RP I|UYDOWDUH DY DOWHUQDWLYD LQYHVWHULQJVIRQGHU RFK ODJHQ RP lQGULQJ L ODJHQ RP lQGULQJ L ODJHQ RP I|UYDOWDUH DY DOWHUQDWLYD LQYHVWHULQJVIRQGHU

gYHUYlJDQGHQD ILQQV L DYVQLWW

)|UVODJHW WLOO ODJ RP lQGULQJ L ODJHQ RP lQGULQJ L ODJHQ RP I|UYDOWDUH DY DOWHUQDWLYD LQYHVWHULQJVIRQGHU

NDSD†

3DUDJUDIHQ JlOOHU I|U VnGDQ UnGJLYQLQJ RP DQGHODU HOOHU DNWLHU L DOWHU QDWLYD LQYHVWHULQJVIRQGHU VRP HQ $,) I|UYDOWDUH XWI|U LQRP UDPHQ I|U VLQ IRQGYHUNVDPKHW RFK VRP LQWH NUlYHU WLOOVWnQG I|U VLGRYHUNVDPKHW HQOLJW NDS † DQGUD VW\FNHW 'HQ EHKDQGODV PHU XWI|UOLJW L SURS VH V )|U IRQGERODJ I|UHVOnV HQ PRWVYDUDQGH lQGULQJ L NDS J † ODJHQ RP YlUGHSDSSHUVIRQGHU VH I|UIDWWQLQJVNRPPHQWDUHQ WLOO GHQ EHVWlPPHOVHQ L DYVQLWW

bQGULQJHQ LQQHElU DWW HQ $,) I|UYDOWDUH VND WLOOlPSD GH DQJLYQD EHVWlPPHOVHUQD L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ QlU GHQ XWI|U VnGDQ UnGJLYQLQJ WLOO HQ LQYHVWHUDUH RDYVHWW RP LQYHVWHUDUHQ lU HQ LFNH SURIHVVLRQHOO LQYHVWHUDUH HOOHU HQ SURIHVVLRQHOO LQYHVWHUDUH $Y NDS † WUHGMH VW\FNHW I|OMHU DWW GHWVDPPD JlOOHU RP VnGDQ UnGJLYQLQJ XWI|UV DY HQ ((6 EDVHUDG $,) I|UYDOWDUH VRP GULYHU YHUNVDPKHW JHQRP ILOLDO L 6YHULJH

gYHUYlJDQGHQD ILQQV L DYVQLWW

)|UVODJHW WLOO ODJ RP lQGULQJ L ODJHQ RP HQ GDWDEDV I|U |YHUYDNQLQJ DY RFK WLOOV\Q |YHU ILQDQVPDUNQDGHUQD

RFK††

, † UHJOHUDV YLOND XSSJLIWHU VRP InU EHKDQGODV L GHQ DNWXHOOD GDWDEDVHQ +lQYLVQLQJHQ L punkt 5 lQGUDV IUnQ NDS † I|UVWD VW\FNHW ODJHQ RP

I|UVlNULQJVI|UPHGOLQJ WLOO NDS † I|UVWD VW\FNHW ODJHQ RP I|UVlNULQJV GLVWULEXWLRQ , punkt 13 LQI|UV HQ P|MOLJKHW DWW EHKDQGOD XSSJLIWHU VRP VDPODWV LQ LQRP UDPHQ I|U )LQDQVLQVSHNWLRQHQV WLOOV\Q |YHU 3HQVLRQV P\QGLJKHWHQV SUHPLHSHQVLRQVYHUNVDPKHW

, † DQJHV YLOND XSSJLIWHU VRP DYVHV L † VRP InU EHKDQGODV HQGDVW RP GH KDU VDPODWV LQ PHG VW|G DY I|UHVNULIWHU RP SHULRGLVN UDSSRUWHULQJ 2PIDWWQLQJHQ DY YLOND GHVVD XSSJLIWHU lU XW|NDV IUnQ SXQNWHUQD ± WLOO

±

opaginerad 0HG DQOHGQLQJ DY Q\D SXQNW lQGUDV QXPUHULQJHQ DY QXYDUDQGH SXQNWHUQD ± Kontrollera mot PDF

gYHUYlJDQGHQD ILQQV L DYVQLWW

)|UVODJHW WLOO ODJ RP lQGULQJ L ODJHQ RP nWJlUGHU PRW SHQQLQJWYlWW RFK ILQDQVLHULQJ DY WHUURULVP

NDS†

3DUDJUDIHQ DQJHU WLOOlPSQLQJVRPUnGHW I|U ODJHQ

+lQYLVQLQJHQ L punkt 5 lQGUDV IUnQ ODJHQ RP I|UVlNULQJVI|UPHGOLQJ WLOO ODJHQ RP I|UVlNULQJVGLVWULEXWLRQ VDPW DQSDVVDV XWLIUnQ GHQ Q\D LQGHO QLQJHQ DY I|UVlNULQJVI|UPHGODUH HQOLJW GHQ Q\D ODJHQ RP I|UVlNULQJV GLVWULEXWLRQ

gYHUYlJDQGHQD ILQQV L DYVQLWW

s. 19 %LODJD Kontrollera mot PDF

%LODJD

2.2.2016

SV

Europeiska unionens officiella tidning

L 26/19

DIREKTIV

EUROPAPARLAMENTETS OCH RÅDETS DIREKTIV (EU) 2016/97

av den 20 januari 2016

om försäkringsdistribution (omarbetning)

(Text av betydelse för EES)

EUROPAPARLAMENTET OCH EUROPEISKA UNIONENS RÅD HAR ANTAGIT DETTA DIREKTIV

med beaktande av fördraget om Europeiska unionens funktionssätt, särskilt artiklarna 53.1 och 62, med beaktande av Europeiska kommissionens förslag,

efter översändande av utkastet till lagstiftningsakt till de nationella parlamenten,

med beaktande av Europeiska ekonomiska och sociala kommitténs yttrande ( 1 ),

i enlighet med det ordinarie lagstiftningsförfarandet ( 2 ), och av följande skäl:

(1) Flera ändringar behöver göras av Europaparlamentets och rådets direktiv 2002/92/EG ( 3 ). Det direktivet bör av tydlighetsskäl omarbetas.

(2) Eftersom omarbetningens huvudsakliga mål och syfte är att harmonisera nationella bestämmelser avseende försäkrings- och återförsäkringsdistribution, och eftersom dessa verksamheter bedrivs inom hela unionen bör detta nya direktiv baseras på artiklarna 53.1 och 62 i fördraget om Europeiska unionens funktionssätt (EUF-fördraget). Ett direktiv är en lämplig regleringsform för att genomförandebestämmelserna på de områden som omfattas av detta direktiv vid behov ska kunna anpassas till eventuella särdrag hos den enskilda marknaden och rättssystemet i varje medlemsstat. Detta direktiv bör också syfta till att samordna nationella bestämmelser om tillträde till verksamheter inom försäkrings- och återförsäkringsdistribution.

(3) Detta direktiv har emellertid som mål att uppnå en minimigrad av harmonisering och bör därför inte hindra medlemsstaterna från att behålla eller införa strängare bestämmelser för att skydda kunderna, förutsatt att sådana bestämmelser står i överensstämmelse med unionsrätten, inbegripet detta direktiv.

(4) Försäkrings- och återförsäkringsförmedlare spelar en central roll vid distribution av försäkrings- och återförsäk- ringsprodukter i unionen.

(5) Olika slag av personer eller institut, som agenter, mäklare och utförare av bankassurans , försäkringsföretag, resebyråer och biluthyrningsföretag, kan distribuera försäkringsprodukter. För att aktörerna ska behandlas lika och hänsyn ska kunna tas till kundskyddet bör alla dessa personer eller institut omfattas av detta direktiv.

(6) Konsumenterna bör åtnjuta samma skyddsnivå oberoende av skillnader mellan olika distributionskanaler. För att garantera att en och samma skyddsnivå tillämpas genomgående och att konsumenten kan dra nytta av jämförbara normer, särskilt vad avser lämnande av information, är lika villkor för alla distributörer mycket viktigt.

(7) Tillämpningen av direktiv 2002/92/EG har visat att ett antal bestämmelser behöver preciseras ytterligare för att möjliggöra utövandet av försäkringsdistribution och att skyddet för konsumenter förutsätter att direktivets tillämpningsområde utvidgas till att omfatta all försäljning av försäkringsprodukter. Försäkringsföretag som direktförsäljer försäkringsprodukter bör ingå i det här direktivets tillämpningsområde på liknande grund som försäkringsagenter och försäkringsmäklare.

( 1 )

EUT C 44, 15.2.2013, s. 95.

( 2 )

Europaparlamentets ståndpunkt av den 24 november 2015 (ännu ej offentliggjord i EUT) och rådets beslut av den 14 december

( 3 )

2015.

Europaparlamentets och rådets direktiv 2002/92/EG av den 9 december 2002 om försäkringsförmedling (EGT L 9, 15.1.2003, s. 3).

s. 20 %LODJD Kontrollera mot PDF

%LODJD

L 26/20

SV

Europeiska unionens officiella tidning

2.2.2016

(8) För att garantera samma nivå av skydd oberoende av den kanal genom vilken kunder köper en försäkringsprodukt, antingen direkt av ett försäkringsföretag eller indirekt av en förmedlare, bör detta direktivs tillämpningsområde inte bara omfatta försäkringsföretag eller försäkringsförmedlare utan också andra marknadsaktörer som har försäljning av försäkringsprodukter som sidoverksamhet, såsom resebyråer och biluthyrningsföretag, såvida de inte uppfyller villkoren för att undantas.

(9) Det finns fortfarande avsevärda skillnader mellan de nationella bestämmelserna, vilket utgör hinder för att inleda och bedriva försäkrings- och återförsäkringsdistribution på den inre marknaden. Det finns ett behov av att ytterligare stärka den inre marknaden och främja en verklig inre marknad för produkter och tjänster inom liv- och skadeförsäkring.

(10) Den senaste tidens turbulens på finansmarknaderna visar betydelsen av att säkerställa ett effektivt konsumentskydd på alla finansiella områden. Det är därför lämpligt att stärka konsumenternas förtroende och göra lagstiftningen om distribution av försäkringsprodukter mer enhetlig i syfte att uppnå ett tillfredsställande konsumentskydd inom hela unionen. Nivån på konsumentskyddet bör höjas jämfört med direktiv 2002/92/EG för att minska behovet av olika nationella åtgärder. Det är viktigt att ta hänsyn till försäkringsavtalens särdrag jämfört med investeringsprodukter

som regleras genom Europaparlamentets och rådets direktiv 2014/65/EU ( 1 ). Distributionen av försäkringsavtal, även försäkringsbaserade investeringsprodukter, bör därför regleras enligt detta direktiv och anpassas till direktiv 2014/65/EU. Miniminormerna bör höjas när det gäller distributionsregler och lika villkor bör skapas avseende samtliga försäkringsbaserade investeringsprodukter.

(11) Detta direktiv bör tillämpas på personer vars verksamhet består i att tillhandahålla försäkrings- eller återförsäkringsdistributionstjänster till tredje man.

(12) Detta direktiv bör tillämpas på personer vars verksamhet består i tillhandahållande av information om ett eller flera försäkringsavtal som ett svar på kriterier som en kund valt ut på en webbplats eller via andra medier, eller av rangordning av försäkringsprodukter eller av en rabatt på en försäkringspremie, när kunden vid slutet av processen direkt eller indirekt kan ingå ett försäkringsavtal. Detta direktiv bör inte tillämpas på webbplatser som förvaltas av offentliga myndigheter eller konsumentorganisationer, som inte avser att ingå något avtal utan bara jämför försäkringsprodukter som finns att tillgå på marknaden.

(13) Detta direktiv bör inte tillämpas på verksamhet som består i att enbart lägga fram data och information om presumtiva försäkringstagare för försäkrings- eller återförsäkringsförmedlare eller försäkrings- eller återförsäkrings- företag, eller information om försäkrings- eller återförsäkringsprodukter eller om försäkrings- eller återförsäkrings- förmedlare eller försäkrings- eller återförsäkringsföretag för presumtiva försäkringstagare.

(14) Detta direktiv bör inte tillämpas på personer med annan yrkesverksamhet, t.ex. skatteexperter, revisorer eller jurister, som då och då ger råd om försäkringsskydd inom ramen för denna andra yrkesverksamhet, eller på tillhandahållande som avser endast allmän information om försäkringsprodukter, förutsatt att denna verksamhet inte syftar till att bistå kunden med att ingå eller fullgöra ett försäkrings- eller återförsäkringsavtal. Detta direktiv bör inte tillämpas på yrkesmässig handläggning av skador för ett försäkrings- eller återförsäkringsföretags räkning, och inte heller på värdering och reglering av skador.

(15) Detta direktiv bör inte tillämpas på personer som bedriver försäkringsdistribution som sidoverksamhet om premien inte överstiger ett visst belopp och de risker som omfattas är begränsade. En sådan försäkring kan komplettera en vara eller en tjänst, även med avseende på risken att tjänster som förväntas utnyttjas vid en viss tidpunkt inte utnyttjas, såsom tågresor, gymabonnemang eller säsongskort för teater, och andra risker med anknytning till resor, såsom avbeställningsskydd eller förlust av bagage. För att säkerställa att ett tillräckligt konsumentskydd alltid är kopplat till den verksamhet som försäkringsdistribution utgör, bör emellertid försäkringsföretag eller försäkrings- förmedlare som bedriver sin distributionsverksamhet via en försäkringsförmedlare som bedriver förmedling som sidoverksamhet som är undantagen från kraven i detta direktiv, se till att vissa grundläggande villkor är uppfyllda – såsom angivande av identitet och det sätt på vilket klagomål kan lämnas in – och att kundens krav och behov beaktas.

( 1 )

Europaparlamentets och rådets direktiv 2014/65/EU av den 15 maj 2014 om marknader för finansiella instrument och om ändring

av direktiv 2002/92/EG och av direktiv 2011/61/EU (EUT L 173, 12.6.2014, s. 349).

s. 21 %LODJD Kontrollera mot PDF

%LODJD

2.2.2016

SV

Europeiska unionens officiella tidning

L 26/21

(16) Detta direktiv bör säkerställa att en och samma konsumentskyddsnivå tillämpas och att alla konsumenter omfattas av jämförbara normer. Detta direktiv bör främja lika villkor och likvärdiga konkurrensvillkor för alla förmedlare oavsett om dessa är knutna till ett försäkringsföretag eller inte. Det är till fördel för konsumenterna om försäkringsprodukter distribueras via flera olika kanaler och via förmedlare med olika former av samarbete med försäkringsföretag, förutsatt att de är skyldiga att tillämpa jämförbara bestämmelser om konsumentskydd. Medlemsstaterna bör ta sådana hänsyn vid genomförandet av detta direktiv.

(17) I detta direktiv bör skillnaderna mellan de olika typerna av distributionskanaler beaktas. Det bör till exempel tas hänsyn till särdragen hos de försäkringsförmedlare som är avtalsenligt förpliktade att bedriva försäkringsdistribu- tionsverksamhet uteslutande för ett eller flera försäkringsföretag (anknutna försäkringsförmedlare) som finns på vissa medlemsstaters marknader, och det bör i direktivet fastställas ändamålsenliga och proportionerliga villkor för de olika typerna av distribution. I synnerhet bör medlemsstaterna ha rätt att stipulera att den försäkrings- eller återförsäkringsdistributör som är ansvarig för den verksamhet som en viss försäkrings- eller återförsäkrings- förmedlare eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet bedriver ska säkerställa att en sådan förmedlare uppfyller kraven för registrering samt ombesörja den registreringen.

(18) Försäkrings- och återförsäkringsförmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverk- samhet som är fysiska personer bör registreras vid den behöriga myndigheten i den medlemsstat där de har sin hemvist. När det gäller sådana personer som dagligen pendlar mellan den medlemsstat där de har sin privata hemvist och den medlemsstat från vilken de bedriver sin distributionsverksamhet (dvs. deras yrkesmässiga hemvist) bör registreringen ske i den medlemsstat där de har sin yrkesmässiga hemvist. Försäkrings- och återförsäkrings- förmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverksamhet som är juridiska personer bör registreras vid den behöriga myndigheten i den medlemsstat där de har sitt säte eller, om de enligt nationell rätt inte har något säte, sitt huvudkontor. Medlemsstaterna bör ha rätt att låta andra organ samarbeta med de behöriga myndigheterna i samband med registreringen och regleringen av försäkringsförmedlare. Försäkrings- och återförsäkringsförmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverksamhet bör registreras förutsatt att de uppfyller ställda yrkeskrav rörande kompetens, god vandel, skydd genom ansvarsförsäkring och ekonomiska resurser. Förmedlare som redan är registrerade i medlemsstaterna bör inte få krav på sig att registreras på nytt enligt detta direktiv.

(19) Att försäkringsförmedlare inte fritt kan bedriva verksamhet i hela unionen gör att den inre marknaden för försäkringar inte fungerar väl. Detta direktiv är ett viktigt steg mot en högre nivå på konsumentskyddet och marknadsintegrationen.

(20) Försäkrings- och återförsäkringsförmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverk- samhet bör kunna utnyttja etableringsfriheten och friheten att tillhandahålla tjänster, vilka har fastställts i EUF- fördraget. Försäkrings- och återförsäkringsförmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverksamhet som är registrerade i sin hemmedlemsstat bör således tillåtas att bedriva verksamhet i andra medlemsstater i enlighet med principerna om etableringsfrihet och friheten att tillhandahålla tjänster, under förutsättning att lämpliga anmälningsförfaranden har följts de behöriga myndigheterna emellan.

(21) För att säkerställa högkvalitativa tjänster och ett ändamålsenligt konsumentskydd bör hem- och värdmedlems- staterna samarbeta nära för att upprätthålla de skyldigheter som fastställs i detta direktiv. I fall där försäkrings- och återförsäkringsförmedlare eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet bedriver verksamhet i olika medlemsstater enligt friheten att tillhandahålla tjänster, bör den behöriga myndigheten i hemmedlemsstaten ansvara för fullgörandet på den inre marknaden av de skyldigheter som fastställs i detta direktiv med avseende på hela verksamheten. Om den behöriga myndigheten i en värdmedlemsstat inom sitt territorium upptäcker fall av bristande fullgörande av skyldigheterna bör den informera hemmedlemsstatens behöriga myndighet, som då i sin tur bör vara skyldig att vidta erforderliga åtgärder. Ett sådant fall gäller i synnerhet bristande efterlevnad av bestämmelserna om krav på god vandel, yrkeskunskap och kompetens eller uppförande. Vidare bör den behöriga myndigheten i värdmedlemsstaten ha rätt att vidta åtgärder om hemmedlemsstaten underlåter att vidta erforderliga åtgärder eller om de åtgärder som vidtas är otillräckliga.

(22) I fall av etablering av filial eller permanent närvaro i en annan medlemsstat är det lämpligt att fördela ansvaret för upprätthållande mellan hem- och värdmedlemsstaterna. Medan den behöriga myndigheten i hemmedlemsstaten bör ansvara för fullgörandet av de skyldigheter som berör verksamheten som helhet – såsom bestämmelserna om

s. 22 %LODJD Kontrollera mot PDF

%LODJD

L 26/22

SV

Europeiska unionens officiella tidning

2.2.2016

yrkeskrav –

enligt samma system som för tillhandahållande av tjänster, bör

den behöriga myndigheten

i värdmedlemsstaten ansvara för upprätthållandet av bestämmelserna om informationskrav och uppförande med avseende på de tjänster som tillhandahålls inom dess territorium. Om den behöriga myndigheten i en värdmedlemsstat emellertid inom sitt territorium upptäcker fall av bristande fullgörande av skyldigheter för vilkas upprätthållande detta direktiv inte tilldelar värdmedlemsstaten ansvaret, bör den informera hemmedlemsstatens behöriga myndighet, som då i sin tur bör vara skyldig att vidta erforderliga åtgärder. Ett sådant fall gäller i synnerhet bristande efterlevnad av bestämmelserna om krav på god vandel, yrkeskunskap och kompetens. Vidare bör den behöriga myndigheten i värdmedlemsstaten ha rätt att vidta åtgärder om hemmedlemsstaten underlåter att vidta erforderliga åtgärder eller om de åtgärder som vidtas är otillräckliga.

(23) Medlemsstaternas behöriga myndigheter bör ha tillgång till de medel som krävs för att säkerställa att försäkrings- och återförsäkringsförmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverksamhet bedriver sin verksamhet på ett korrekt sätt inom hela unionen, oavsett om denna verksamhet utövas i enlighet med etableringsfriheten eller i enlighet med friheten att tillhandahålla tjänster. För att tillsynen ska bli ändamålsenlig bör alla åtgärder som de behöriga myndigheterna vidtar stå i proportion till arten och omfattningen av samt komplexiteten hos de inneboende riskerna i en särskild distributörs verksamhet, oberoende av den betydelse den berörda distributören har för den övergripande finansiella stabiliteten på marknaden.

(24) Medlemsstaterna bör inrätta ett enda informationsställe som ger försäkrings- och återförsäkringsförmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverksamhet tillgång till deras register. Det enda informationsstället bör även inbegripa en länk till varje relevant behörig myndighet i varje medlemsstat. För att

öka öppenheten och underlätta gränsöverskridande handel bör Europeiska försäkrings- och tjänstepensionsmyndig- heten (Eiopa), inrättad genom Europaparlamentets och rådets förordning (EU) nr 1094/2010 ( 1 ), upprätta och offentliggöra samt hålla uppdaterad en gemensam elektronisk databas med uppgifter om varje försäkrings- och återförsäkrings- förmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverksamhet som har anmält en avsikt att utöva sin etableringsfrihet eller sin frihet att tillhandahålla tjänster. Medlemsstaterna bör skyndsamt ge Eiopa relevant information så att myndigheten kan utföra denna uppgift. Databasen bör innehålla en länk till varje relevant behörig myndighet i varje medlemsstat. Varje behörig myndighet i medlemsstaterna bör på sin webbplats tillhandahålla en länk till denna databas.

(25) Varje förmedlare som är permanent närvarande på en annan medlemsstats territorium och som är likvärdig med en filial bör behandlas på samma sätt som en filial, såvida inte förmedlaren lagligen etablerar närvaro i en annan juridisk form. Detta skulle, beroende på ytterligare omständigheter, också kunna vara fallet om närvaron inte formellt antar formen av en filial utan bara består av ett kontor förvaltat antingen av förmedlarens egen personal eller av en person som är oberoende men som har stående fullmakt att handla för förmedlarens räkning på samma sätt som en agentur.

(26) I detta direktiv bör det klart fastställas respektive rättigheter och skyldigheter för hem- och värdmedlemsstater i fråga om tillsyn av försäkrings- och återförsäkringsförmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverksamhet som är registrerade hos dem eller som bedriver försäkrings- eller återförsäkringsdistributions- verksamhet på deras territorium i enlighet med etableringsfriheten eller friheten att tillhandahålla tjänster.

(27) För att kunna hantera situationer där en försäkringsförmedlare eller en försäkringsförmedlare som bedriver förmedling som sidoverksamhet är etablerad i en medlemsstat med enda syfte att kringgå bestämmelserna i en annan medlemsstat, i vilken förmedlaren bedriver all sin verksamhet eller sin huvudsakliga verksamhet, kan det vara lämpligt att låta det vara möjligt för värdmedlemsstaten att vidta säkerhetsåtgärder om dess verksamhet allvarligt äventyrar försäkrings- och återförsäkringsmarknadens funktionssätt i värdmedlemsstaten, och detta direktiv bör således inte förhindra sådana åtgärder. Sådana åtgärder bör emellertid inte utgöra hinder för friheten att tillhandahålla tjänster och etableringsfriheten och inte heller begränsa möjligheterna till gränsöverskridande verksamhet.

(28) Det är viktigt att garantera en hög nivå av yrkeskunskap och kompetens hos försäkrings- och återförsäkrings- förmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverksamhet och sådana anställda hos försäkrings- och återförsäkringsföretag som är involverade i det förberedande arbetet inför och arbetet under och efter försäljningen av en försäkring och återförsäkring. Yrkeskunskapen hos förmedlare och försäkringsförmedlare

( 1 )

Europaparlamentets och rådets förordning (EU) nr 1094/2010 av den 24 november 2010 om inrättande av en europeisk

tillsynsmyndighet (Europeiska försäkrings- och tjänstepensionsmyndigheten), om ändring av beslut nr 716/2009/EG och om

upphävande av kommissionens beslut 2009/79/EG (EUT L 331, 15.12.2010, s. 48).

s. 23 %LODJD Kontrollera mot PDF

%LODJD

2.2.2016

SV

Europeiska unionens officiella tidning

L 26/23

som bedriver förmedling som sidoverksamhet och anställda hos försäkrings- och återförsäkringsföretag måste således motsvara graden av komplexitet i dessa verksamheter. Försäkringsförmedlare som bedriver förmedling som sidoverksamhet bör vara skyldiga att känna till villkoren i de försäkringar som de distribuerar samt, i tillämpliga fall, bestämmelserna om skadereglering och hantering av klagomål.

(29) Fortlöpande utbildning och utveckling bör säkerställas. Sådan utbildning och utveckling skulle kunna inbegripa olika typer av möjligheter till underlättat lärande, inklusive kurser, e-lärande och mentorsverksamhet. Frågor som gäller form, innehåll och erforderliga intyg eller andra ändamålsenliga bevis, såsom införande i register eller godkänt fullgörande av ett prov, bör regleras av medlemsstaterna.

(30) Kraven på god vandel bidrar till en sund och tillförlitlig försäkringssektor och till att målet om ett adekvat skydd för försäkringstagarna uppnås. Dessa krav omfattar avsaknad av anmärkningar i belastningsregister eller andra nationella motsvarigheter i förhållande till vissa brott, såsom brott enligt tillämplig lagstiftning om finansiella tjänster, oredlighet, bedrägeri eller ekonomisk brottslighet och andra brott enligt gällande bolagsrätt, konkursrätt eller insolvensrätt.

(31) Det är lika viktigt att de relevanta personer i ledningsstrukturen hos försäkrings- och återförsäkringsförmedlare eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet som är involverade i distributionen av försäkrings- eller återförsäkringsprodukter samt de relevanta anställda hos en försäkrings- eller återförsäkrings- distributör vilka är direkt involverade i försäkrings- eller återförsäkringsdistribution besitter lämplig kunskap och kompetens när det gäller distributionsverksamheten. Den lämpliga kunskaps- och kompetensnivån bör säkerställas genom tillämpning av särskilda kunskaps- och yrkeskrav på nämnda personer.

(32) Medlemsstaterna bör inte betrakta de chefer eller anställda som inte är direkt involverade i distribution av försäkrings- eller återförsäkringsprodukter som relevanta personer. Vad gäller försäkrings- och återförsäkrings- förmedlare och försäkrings- och återförsäkringsföretag bör alla anställda som är direkt involverade i distributions- verksamheten förväntas besitta lämplig kunskap och kompetens, med vissa undantag för t.ex. personer som bara utför administrativa uppgifter. När det gäller försäkringsförmedlare som bedriver förmedling som sidoverksamhet bör åtminstone de personer som ansvarar för den sidoordnade försäkringsdistributionen betraktas som relevanta anställda som förväntas ha lämplig kunskap och kompetens. I de fall försäkrings- och återförsäkringsdistributören är en juridisk person, bör även de personer inom ledningsstrukturen som ansvarar för verkställande av strategier och förfaranden med anknytning till distributionen av försäkrings- eller återförsäkringsprodukter uppfylla kraven på lämplig kunskap och kompetens. I detta avseende bör den person som ansvarar för försäkrings- eller återförsäkringsdistributionen inom försäkrings- och återförsäkringsförmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverksamhet alltid uppfylla kraven på lämplig kunskap och kompetens.

(33) När det gäller försäkringsförmedlare och försäkringsföretag som tillhandahåller rådgivning om eller säljer försäkringsbaserade investeringsprodukter till icke-professionella kunder bör medlemsstaterna se till att dessa har lämplig kunskap och kompetens i fråga om de produkter som erbjuds. Sådan kunskap och kompetens är särskilt viktig med tanke på den ökade komplexiteten och de fortlöpande innovationerna i utformningen av försäkringsbaserade investeringsprodukter. Att köpa en försäkringsbaserad investeringsprodukt innebär en risk, och investerare bör kunna lita på informationen i och kvaliteten på de bedömningar som tillhandahålls. Dessutom bör de anställda ges tillräckligt med tid och resurser för att kunna lämna all relevant information till kunderna om de produkter de tillhandahåller.

(34) En samordning av de nationella bestämmelserna om yrkeskrav och registrering av personer som inleder och bedriver verksamhet som försäkrings- eller återförsäkringsdistributörer kan bidra till att förverkliga den inre marknaden för finansiella tjänster och till att förbättra konsumentskyddet på området.

(35) För att öka den gränsöverskridande handeln bör principer som reglerar det ömsesidiga erkännandet av förmedlares kunskaper och kompetenser införas.

(36) Trots de befintliga systemen för EU-pass för försäkringsföretag och försäkringsförmedlare är försäkringsmarknaden i unionen fortfarande mycket fragmenterad. För att underlätta gränsöverskridande verksamhet och öka öppenheten för kunder bör medlemsstaterna se till att offentliggöra de bestämmelser för att skydda allmänintresset som gäller på deras territorier, och ett gemensamt elektroniskt register med information om alla medlemsstaters bestämmelser för att skydda allmänintresset som gäller för försäkrings- och återförsäkringsdistribution bör bli tillgängligt för allmänheten.

(37) Samarbete och utbyte av information mellan behöriga myndigheter är nödvändigt för att skydda kunderna och säkerställa en sund försäkrings- och återförsäkringsverksamhet på den inre marknaden. I synnerhet bör utbyte av information främjas, såväl i samband med registreringsprocessen som fortlöpande, när det gäller information om

s. 24 %LODJD Kontrollera mot PDF

%LODJD

L 26/24

SV

Europeiska unionens officiella tidning

2.2.2016

god vandel, yrkeskrav och kunskap med avseende på de personer som ansvarar för utförandet av försäkrings- eller återförsäkringsdistribution.

(38) Det behövs ändamålsenliga och effektiva förfaranden för klagomål och tvistlösning utanför domstol i medlemsstaterna, så att tvister mellan försäkringsdistributörer och kunder kan lösas, varvid befintliga förfaranden kan användas om det är lämpligt. Dessa förfaranden bör vara tillgängliga för att hantera tvister avseende rättigheter och skyldigheter enligt detta direktiv. Sådana förfaranden för klagomål och tvistlösning utanför domstol bör syfta till att nå en snabbare och billigare lösning av tvister mellan försäkringsdistributörer och kunder.

(39) Den ökande omfattning verksamheter som många försäkringsförmedlare och försäkringsföretag bedriver samtidigt innebär en ökad risk för intressekonflikter mellan dessa olika verksamheter och kundernas intressen. Det måste därför föreskrivas regler som säkerställer att sådana intressekonflikter inte inverkar negativt på kundernas intressen.

(40) Kunder bör i förväg få tydlig information om förhållandena för de personer som säljer försäkringsprodukter och om vilken typ av ersättning de får. Kunderna bör få sådan information innan de ingår ett avtal. Denna information syftar till att visa förhållandet mellan försäkringsföretaget och förmedlaren, i tillämpliga fall, samt den typ av ersättning som förmedlaren får.

(41) För att kunder ska få information om de försäkringsdistributionstjänster som tillhandahålls, oavsett om de köper tjänsten via en förmedlare eller direkt av ett försäkringsföretag, och för att undvika den snedvridning av konkurrensen som följer av att försäkringsföretag uppmuntras att sälja direkt till kunder snarare än via förmedlare i syfte att undvika dessa informationskrav, bör även försäkringsföretag bli skyldiga att ge kunderna information om den typ av ersättning som deras anställda mottar vid försäljning av försäkringsprodukter.

(42) Försäkringsförmedlare och försäkringsföretag är föremål för enhetliga krav när de distribuerar försäkringsbaserade investeringsprodukter, i enlighet med Europaparlamentets och rådets förordning (EU) nr 1286/2014 ( 1 ). Utöver den information som krävs i form av faktablad bör distributörer av försäkringsbaserade investeringsprodukter tillhandahålla ytterligare information med uppgifter om eventuella förmedlingskostnader som inte redan ingår i de angivna kostnaderna i faktabladen, så att det blir möjligt för kunden att förstå den ackumulerade verkan som dessa sammanlagda kostnader har på investeringens avkastning. I detta direktiv bör det därför fastställas bestämmelser om tillhandahållande av information om kostnaderna för distributionstjänsten med anknytning till de försäkrings- baserade investeringsprodukterna i fråga.

(43) Eftersom detta direktiv har som mål att förbättra konsumentskyddet är vissa av dess bestämmelser enbart tillämpliga i konsumentförhållanden (näringsidkare till konsument), särskilt bestämmelserna om uppföranderegler för försäkringsförmedlare eller andra säljare av försäkringsprodukter.

(44) För att undvika otillbörlig försäljning bör försäljning av försäkringsprodukter alltid åtföljas av ett test med avseende på krav och behov på grundval av upplysningar från kunden. Eventuella försäkringsprodukter som föreslås för kunden bör alltid vara förenliga med kundens krav och behov och presenteras på ett förståeligt sätt så att kunden kan fatta ett välgrundat beslut.

(45) Om rådgivning ges före försäljningen av en försäkringsprodukt bör, utöver skyldigheten att ange kundens krav och behov, en personlig rekommendation tillhandahållas kunden, med en förklaring av varför en viss produkt bäst motsvarar kundens försäkringskrav och -behov.

(46) Medlemsstaterna bör föreskriva att försäkringsdistributörers ersättningspolicyer till sina anställda eller representanter inte hindrar dessa att handla i enlighet med sina kunders bästa intresse, ge tillbörliga rekommendationer eller presentera information på ett opartiskt, klart och inte missvisande sätt. Ersättning baserad på försäljningsmål bör inte utgöra incitament att rekommendera kunden en viss produkt.

(47) För kunder är det viktigt att veta om den förmedlare de anlitar ger råd på grundval av en opartisk och personlig analys. För att bedöma huruvida antalet avtal och leverantörer som förmedlaren beaktar är tillräckligt stort för att borga för en opartisk och personlig analys, bör det tas vederbörlig hänsyn till bland annat kundens behov, antalet leverantörer på marknaden, dessa leverantörers marknadsandelar, antalet relevanta och tillgängliga försäkrings-

( 1 )

Europaparlamentets och rådets förordning (EU) nr 1286/2014 av den 26 november 2014 om faktablad för paketerade och

försäkringsbaserade investeringsprodukter för icke-professionella investerare (Priip-produkter) (EUT L 352, 9.12.2014, s. 1).

s. 25 %LODJD Kontrollera mot PDF

%LODJD

2.2.2016

SV

Europeiska unionens officiella tidning

L 26/25

produkter hos varje leverantör och dessa produkters egenskaper. Detta direktiv bör inte hindra medlemsstaterna att ålägga en försäkringsförmedlare som vill tillhandahålla rådgivning på grundval av en opartisk och personlig analys i fråga om ett försäkringsavtal att tillhandahålla sådan rådgivning för alla försäkringsavtal som försäkrings- förmedlaren distribuerar.

(48) Kunder bör, innan ett avtal ingås och även vid försäljning utan rådgivning, ges relevant information om försäkringsprodukter så att de kan fatta välgrundade beslut. Ett faktablad för försäkringsprodukter bör ge standardiserad information om skadeförsäkringsprodukter. Detta bör upprättas av det relevanta försäkringsföretaget eller, i de medlemsstater som berörs, den försäkringsförmedlare som utvecklar försäkringsprodukten. Försäkrings- förmedlaren bör redovisa för kunden de viktigaste egenskaperna hos de försäkringsprodukter den säljer, och bör därför ge förmedlarnas personal tillräckligt med resurser och tid för att göra detta.

(49) När det gäller gruppförsäkring bör kund avse den företrädare för en grupps medlemmar som ingår ett försäkringsavtal för gruppmedlemmarnas räkning, varvid den individuella gruppmedlemmen inte kan fatta individuella beslut om att ansluta sig, t.ex. till obligatoriska tjänstepensionssystem. Gruppens företrädare bör i tillämpliga fall, utan dröjsmål efter införlivande av en medlem i gruppförsäkringen, tillhandahålla försäkrings- produktens faktablad samt informationen om distributörens affärsverksamhet.

(50) Det bör fastställas enhetliga regler för att ge kunden möjlighet att välja det medium på vilket informationen ska lämnas, vilket medger användning av elektronisk kommunikation när det med hänsyn till omständigheterna vid transaktionen är lämpligt. Kunden bör dock ha rätt att få information på papper. För att ge kunder tillgång till information bör alla uppgifter som lämnas innan ett avtal undertecknas finnas att tillgå kostnadsfritt.

(51) Behovet att kräva att sådan information lämnas är mindre när kunden är ett företag som önskar återförsäkring eller försäkringsskydd för kommersiella och industriella risker, eller när endast försäkringsbaserade investeringsprodukter distribueras, när kunden är en professionell kund enligt definitionen i direktiv 2014/65/EU.

(52) I detta direktiv bör det anges minimiskyldigheter i fråga om den information som försäkringsdistributörer måste lämna till sina kunder. En medlemsstat bör kunna bibehålla eller anta striktare bestämmelser inom området för informationslämnande, vilka kan tillämpas på sådana försäkringsdistributörer som bedriver försäkringsdistribu- tionsverksamhet på den medlemsstatens territorium oberoende av reglerna i deras hemmedlemsstat, om dessa

striktare bestämmelser är förenliga med unionsrätten, inbegripet Europaparlamentets och rådets direktiv 2000/31/ EG ( 1 ). En medlemsstat som önskar tillämpa och redan tillämpar bestämmelser om försäkringsdistributörer och försäljning av försäkringsprodukter som går utöver de bestämmelser som anges i detta direktiv bör säkerställa att den administrativa bördan av dessa bestämmelser förblir begränsad och står i proportion till behovet av konsumentskydd.

(53) Korsförsäljning är en vanligt förekommande strategi som försäkringsdistributörer använder i hela unionen. Metoden kan innebära fördelar för kunder men kan också medföra att kundernas intressen inte beaktas i tillräcklig mån. Detta direktiv bör inte förhindra distribution av försäkringar som täcker flera olika risker.

(54) Bestämmelserna i detta direktiv rörande korsförsäljning bör inte påverka tillämpningen av unionens lagstiftnings- akter med regler om korsförsäljning av vissa kategorier av varor eller tjänster.

(55) För att se till att försäkringsprodukter tillgodoser behoven på den marknad de är inriktade mot, bör försäkringsföretag – och, i medlemsstater där försäkringsförmedlare utvecklar försäkringsprodukter för försäljning till kunder, försäkringsförmedlare – upprätthålla, sköta och se över processen med att godkänna varje försäkringsprodukt. Om en försäkringsdistributör ger råd om eller föreslår försäkringsprodukter som den inte utvecklar bör den under alla omständigheter vara i stånd att förstå produktens egenskaper och fastställda målmarknad. Detta direktiv bör inte begränsa den variation och flexibilitet som företag tillämpar för att utveckla nya produkter.

(56) Försäkringsbaserade investeringsprodukter erbjuds ofta till kunder som möjliga alternativ till eller substitut för investeringsprodukter som omfattas av direktiv 2014/65/EU. För att upprätta ett konsekvent investerarskydd och undvika risken för regelarbitrage är det viktigt att försäkringsbaserade investeringsprodukter, utöver de uppförandenormer som fastställts för alla försäkringsprodukter, omfattas av normer med särskild inriktning på

( 1 )

Europaparlamentets och rådets direktiv 2000/31/EG av den 8 juni 2000 om vissa rättsliga aspekter på informationssamhällets

tjänster, särskilt elektronisk handel, på den inre marknaden ( Direktiv om elektronisk handel ) (EGT L 178, 17.7.2000, s. 1).

s. 26 %LODJD Kontrollera mot PDF

%LODJD

L 26/26

SV

Europeiska unionens officiella tidning

2.2.2016

investeringsinslaget i dessa produkter. Sådana normer med särskild inriktning, däribland tillhandahållande av ändamålsenlig information, bör innehålla krav på lämplig rådgivning och begränsningar avseende ersättningar.

(57) För att se till att arvoden eller provisioner samt icke-monetära ersättningar i samband med distributionen av en försäkringsbaserad investeringsprodukt som betalats till eller av någon annan part än kunden eller av en person för kundens räkning inte får någon negativ inverkan på kvaliteten på den berörda tjänsten gentemot kunden, bör försäkringsdistributören införa ändamålsenliga och proportionerliga arrangemang för att förebygga en sådan negativ inverkan. I det avseendet bör försäkringsdistributören utveckla, införa och regelbundet se över strategier och förfaranden med anknytning till intressekonflikter i syfte att förebygga varje form av negativ inverkan på kvaliteten på den berörda tjänsten gentemot kunden samt se till att kunden erhåller adekvat information om arvoden, provisioner eller ersättningar.

(58) För att se till att försäkringsföretag och personer som bedriver försäkringsdistribution iakttar bestämmelserna i detta direktiv och behandlas på liknande sätt i hela unionen bör medlemsstaterna vara skyldiga att föreskriva administrativa sanktioner och andra åtgärder som är effektiva, proportionella och avskräckande. I kommissionens meddelande av den 8 december 2010 om att förstärka sanktionssystemen i den finansiella tjänstesektorn har det gjorts en översyn av befintliga befogenheter och deras praktiska tillämpning, med målet att främja mer likformiga påföljder och andra åtgärder. De administrativa sanktioner och andra åtgärder som medlemsstaterna fastställer bör således uppfylla vissa väsentliga krav när det gäller adressater, vilka kriterier som ska beaktas vid tillämpning av en sanktion eller annan åtgärd samt offentliggörande.

(59) Även om medlemsstaterna inte är förhindrade att fastställa regler om administrativa sanktioner och straffrättsliga påföljder för en och samma överträdelse bör medlemsstaterna inte vara skyldiga att fastställa regler om administrativa sanktioner för överträdelser av detta direktiv som omfattas av nationell straffrätt. Medlemsstaterna är i överensstämmelse med nationell rätt inte skyldiga att påföra både administrativa sanktioner och straffrättsliga påföljder för ett och samma brott, men bör kunna göra det om deras nationella rätt tillåter det. Bibehållandet av straffrättsliga påföljder i stället för administrativa sanktioner för överträdelser av detta direktiv bör dock inte minska eller på annat sätt påverka de behöriga myndigheternas förmåga att i god tid samarbeta och få tillträde till och utbyta information med de behöriga myndigheterna i andra medlemsstater vid tillämpning av detta direktiv, inbegripet efter det att de aktuella överträdelserna eventuellt har hänskjutits till de behöriga rättsliga myndigheterna för lagföring.

(60) De behöriga myndigheterna bör i synnerhet få befogenheter att påföra sanktionsavgifter som är tillräckligt stora för att såväl uppväga de faktiska eller potentiella fördelarna som vara avskräckande även för större institut och deras ledning.

(61) För att upprätta ett konsekvent investerarskydd och undvika risken för regelarbitrage är det vid överträdelser i samband med distribution av försäkringsbaserade investeringsprodukter viktigt att de administrativa sanktioner och andra åtgärder som fastställts av medlemsstaterna anpassas till dem som anges i förordning (EU) nr 1286/2014.

(62) För att få en konsekvent tillämpning av sanktioner i hela unionen bör medlemsstaterna säkerställa att de behöriga myndigheterna beaktar samtliga relevanta omständigheter när de fastställer typen av administrativ sanktion eller annan åtgärd och nivån på en administrativ sanktionsavgift.

(63) För att se till att de behöriga myndigheternas beslut om överträdelser har en avskräckande effekt på allmänheten och för att informera marknadsaktörerna om uppföranden som betraktas som skadligt för kunderna, bör nämnda beslut offentliggöras, förutsatt att tidsfristen för överklagande har löpt ut och inget överklagande har inkommit och såvida inte ett sådant offentliggörande äventyrar stabiliteten avseende finansmarknaderna eller en pågående undersökning. Om nationell rätt föreskriver offentliggörande av den sanktion eller annan åtgärd som är föremål för ett överklagande, bör sådan information, liksom resultatet av överklagandet, även offentliggöras utan oskäligt dröjsmål. Om ett offentliggörande av sanktionen eller annan åtgärd skulle vålla de berörda parterna oproportionellt stor skada bör den behöriga myndigheten under alla omständigheter kunna besluta att inte offentliggöra sanktionen eller annan åtgärd eller att offentliggöra den i anonymiserad form.

(64) För att upptäcka potentiella överträdelser bör de behöriga myndigheterna ha nödvändiga undersökningsbefogen- heter och upprätta effektiva system för att möjliggöra rapportering av potentiella eller faktiska överträdelser.

(65) Detta direktiv bör hänvisa till både administrativa sanktioner och andra åtgärder, oavsett om de benämns som sanktioner eller andra åtgärder enligt nationell rätt.

(66) Detta direktiv bör inte påverka tillämpningen av medlemsstaternas strafflagstiftning.

s. 27 %LODJD Kontrollera mot PDF

%LODJD

2.2.2016

SV

Europeiska unionens officiella tidning

L 26/27

(67) I syfte att uppnå de mål som anges i detta direktiv bör befogenheten att anta akter i enlighet med artikel 290 i EUF- fördraget delegeras till kommissionen med avseende på produkttillsyn och kraven på företagsstyrning för alla produkter samt när det gäller distribution av försäkringsbaserade investeringsprodukter, hantering av intressekon- flikter, de villkor under vilka incitament får utbetalas eller mottas och bedömning av ändamålsenlighet och lämplighet. Det är av särskild betydelse att kommissionen genomför lämpliga samråd under sitt förberedande arbete, inklusive på expertnivå. När kommissionen förbereder och utarbetar delegerade akter bör den se till att relevanta handlingar översänds samtidigt till Europaparlamentet och rådet och att detta sker så snabbt som möjligt och på lämpligt sätt.

(68) Tekniska standarder för finansiella tjänster bör säkerställa en konsekvent harmonisering och ett tillräckligt skydd för konsumenter i hela unionen. Eftersom Eiopa är ett organ med högt specialiserade expertkunskaper på området bör det anförtros endast uppgiften att utarbeta utkast till tekniska standarder för tillsyn och genomförande som inte förutsätter policyval, vilka sedan läggs fram för Europaparlamentet, rådet och kommissionen.

(69) I enlighet med den gemensamma överenskommelsen om delegerade akter mellan Europaparlamentet, rådet och kommissionen, och utan att det påverkar kommande revideringar, bör kommissionen beakta såväl perioden för invändningar som Europaparlamentets och rådets förfaranden när det gäller datumet för överlämnandet av den delegerade akten. Vidare bör, i enlighet med den gemensamma överenskommelsen om delegerade akter och utan att det påverkar kommande revideringar och, i tillämpliga fall förordning (EU) nr 1094/2010, adekvat insyn och vederbörliga kontakter med Europaparlamentet och rådet säkerställas innan den delegerade akten antas.

(70) Eiopas behandling av personuppgifter inom ramen för detta direktiv bör styras av Europaparlamentets och rådets direktiv 95/46/EG ( 1 ), och av Europaparlamentets och rådets förordning (EG) nr 45/2001 ( 2 ), under tillsyn av Europeiska datatillsynsmannen.

(71) Detta direktiv respekterar de grundläggande rättigheter och principer som erkänns i Europeiska unionens stadga om de grundläggande rättigheterna, såsom de fastställs i fördragen.

(72) Detta direktiv bör inte vara alltför betungande för små och medelstora försäkrings- och återförsäkringsdistributörer. Ett av sätten att uppnå detta mål är en korrekt tillämpning av proportionalitetsprincipen. Den principen bör tillämpas såväl på kraven på försäkrings- och återförsäkringsdistributörer som på tillsynsutövningen.

(73) Detta direktiv bör ses över fem år efter den dag då det träder i kraft, så att marknadsutvecklingen och utvecklingen på

andra områden av unionsrätten eller medlemsstaternas erfarenheter av att genomföra unionsrätten kan beaktas, särskilt i fråga om de produkter som omfattas av Europaparlamentets och rådets direktiv 2003/41/EG ( 3 ).

(74) Direktiv 2002/92/EG bör upphävas 24 månader efter det att detta direktiv har trätt i kraft. Kapitel III A i direktiv 2002/92/EG bör emellertid utgå med verkan från och med den dag då detta direktiv träder i kraft.

(75) Skyldigheten att införliva detta direktiv med nationell lagstiftning bör endast gälla de bestämmelser som utgör en innehållsmässig ändring i förhållande till direktiv 2002/92/EG. Skyldigheten att införliva de oförändrade bestämmelserna följer av det direktivet.

(76) Detta direktiv bör inte påverka medlemsstaternas skyldigheter vad gäller tidsfristerna för införlivande med nationell lagstiftning av direktiv 2002/92/EG.

(77) Europeiska datatillsynsmannen har hörts i enlighet med artikel 28.2 i förordning (EG) nr 45/2001 och avgav sitt yttrande den 23 november 2012 ( 4 ).

( 1 )

Europaparlamentets och rådets direktiv 95/46/EG av den 24 oktober 1995 om skydd för enskilda personer med avseende på

( 2 )

behandling av personuppgifter och om det fria flödet av sådana uppgifter (EGT L 281, 23.11.1995, s. 31).

Europaparlamentets och rådets förordning (EG) nr 45/2001 av den 18 december 2000 om skydd för enskilda då

gemenskapsinstitutionerna och gemenskapsorganen behandlar personuppgifter och om den fria rörligheten för sådana uppgifter

( 3 )

(EGT L 8, 12.1.2001, s. 1).

Europaparlamentets och rådets direktiv 2003/41/EG av den 3 juni 2003 om verksamhet i och tillsyn över tjänstepensionsinstitut

( 4 )

(EUT L 235, 23.9.2003, s. 10).

EUT C 100, 6.4.2013, s. 12.

s. 28 %LODJD Kontrollera mot PDF

%LODJD

L 26/28

SV

Europeiska unionens officiella tidning

2.2.2016

(78) Eftersom målen för detta direktiv inte i tillräcklig utsträckning kan uppnås av medlemsstaterna utan snarare, på grund av dess omfattning, kan uppnås bättre på unionsnivå, kan unionen vidta åtgärder i enlighet med subsidiaritetsprincipen i artikel 5 i fördraget om Europeiska unionen. I enlighet med proportionalitetsprincipen i samma artikel går detta direktiv inte utöver vad som är nödvändigt för att uppnå dessa mål.

(79) Enligt medlemsstaternas och kommissionens gemensamma politiska förklaring av den 28 september 2011 om förklarande dokument har medlemsstaterna åtagit sig att i motiverade fall låta en anmälan av införlivandeåtgärder åtföljas av ett eller flera dokument som beskriver förhållandet mellan de olika delarna i ett direktiv och motsvarande delar i de nationella instrumenten för införlivande. När det gäller detta direktiv anser lagstiftaren det vara motiverat att sådana dokument översänds.

HÄRIGENOM FÖRESKRIVS FÖLJANDE.

KAPITEL I

TILLÄMPNINGSOMRÅDE OCH DEFINITIONER

Artikel 1

Tillämpningsområde

1. I detta direktiv fastställs bestämmelser om inledande och bedrivande av försäkrings- och återförsäkringsdistribution i unionen.

2. Detta direktiv gäller fysiska eller juridiska personer som är etablerade i en medlemsstat eller som önskar etablera sig där för att inleda och bedriva distribution av försäkrings- och återförsäkringsprodukter.

3. Detta direktiv ska inte tillämpas på försäkringsförmedlare som bedriver försäkringsdistributionsverksamhet som sidoverksamhet om samtliga följande villkor är uppfyllda:

a) Att försäkringen kompletterar en vara eller tjänst som tillhandahållits av en leverantör, när en sådan försäkring täcker

i) risken för fel, förlust av eller skada på de varor – eller icke-utnyttjande av den tjänst – som tillhandahållits av den leverantören, eller

ii) skada på eller förlust av bagage och andra risker med anknytning till resa som bokats hos den leverantören.

b) Att det premiebelopp som betalats för försäkringsprodukten inte överstiger 600 EUR, beräknat proportionellt på årsbasis.

c) Att det premiebelopp som betalats per person inte överstiger 200 EUR, med avvikelse från vad som anges i led b, i de fall försäkringen kompletterar en sådan tjänst som avses i led a och den tjänstens varaktighet är lika med eller kortare än tre månader.

4. Medlemsstaterna ska se till att försäkringsföretaget eller försäkringsförmedlaren, när distributionsverksamhet sker via en försäkringsförmedlare som bedriver förmedling som sidoverksamhet som undantagits från tillämpningen av detta direktiv enligt punkt 3, säkerställer att

a) information tillhandahålls kunden innan avtalet ingås, med uppgifter om dess identitet och adress och om de förfaranden som avses i artikel 14 och som gör det möjligt för kunder och andra berörda parter att anmäla klagomål,

b) det införts ändamålsenliga och proportionerliga system som är förenliga med artiklarna 17 och 24 och som beaktar kundens krav och behov innan avtalsförslaget läggs fram,

c) det försäkringsproduktfaktablad som avses i artikel 20.5 ges till kunden innan avtalet ingås.

5. Medlemsstaterna ska se till att de behöriga myndigheterna utövar tillsyn över marknaden, inbegripet marknaden för sidoordnade försäkringsprodukter som marknadsförs, distribueras eller säljs i eller från deras medlemsstat. Eiopa kan underlätta och samordna denna tillsyn.

6. Detta direktiv ska inte tillämpas på försäkrings- och återförsäkringsdistributionsverksamhet som utövas för risker och åtaganden utanför unionen.

s. 29 %LODJD Kontrollera mot PDF

%LODJD

2.2.2016

SV

Europeiska unionens officiella tidning

L 26/29

Detta direktiv påverkar inte en medlemsstats lagstiftning om försäkrings- och återförsäkringsdistributionsverksamhet som utövas av försäkrings- och återförsäkringsföretag eller förmedlare som är etablerade i tredjeland och som är verksamma på medlemsstatens territorium med stöd av principen om friheten att tillhandahålla tjänster, under förutsättning att det kan garanteras att samtliga personer som utövar eller har rätt att utöva försäkrings- och återförsäkringsdistributionsverksamhet på den marknaden behandlas lika.

Genom detta direktiv regleras inte försäkrings- eller återförsäkringsdistributionsverksamhet i tredjeland.

Medlemsstaterna ska underrätta kommissionen om alla svårigheter av allmän natur som deras försäkrings- eller återförsäkringsdistributörer möter vid etablering eller bedrivande av försäkrings- eller återförsäkringsdistributions- verksamhet i tredjeländer.

Artikel 2

Definitioner

1. I detta direktiv gäller följande definitioner:

1. försäkringsdistribution : verksamhet som består i att ge råd om, föreslå eller utföra annat förberedande arbete inför ingåendet av försäkringsavtal, att ingå sådana avtal eller att bistå vid förvaltning och fullgörande av sådana avtal, särskilt vid skada, inbegripet tillhandahållande av information om ett eller flera försäkringsavtal i enlighet med kriterier som kunder väljer via en webbplats eller andra medier samt sammanställande av en rangordningslista med försäkrings- produkter, inklusive pris- och produktjämförelser, eller rabatter på försäkringsavtalspremier, när kunden direkt eller indirekt kan ingå ett försäkringsavtal med hjälp av en webbplats eller andra medier, ska betraktas som försäkringsdistribution.

2. återförsäkringsdistribution : verksamhet som består i att ge råd om, föreslå eller utföra annat förberedande arbete inför ingåendet av återförsäkringsavtal, att ingå sådana avtal eller att bistå vid förvaltning och fullgörande av sådana avtal, särskilt vid skada, inklusive när verksamheten bedrivs av ett återförsäkringsföretag utan medverkan av en återförsäkringsförmedlare.

3. försäkringsförmedlare : varje fysisk eller juridisk person – utom försäkrings- eller återförsäkringsföretag eller deras anställda och utom försäkringsförmedlare som bedriver förmedling som sidoverksamhet – som mot ersättning inleder eller bedriver försäkringsdistribution.

4. försäkringsförmedlare som bedriver förmedling som sidoverksamhet : varje fysisk eller juridisk person – utom kreditinstitut

eller värdepappersföretag enligt definitionen i artikel 4.1.1 och 4.1.2 i Europaparlamentets och rådets förordning (EU) nr 575/2013 ( 1 ) – som mot ersättning inleder eller bedriver försäkringsdistribution som sidoverksamhet, under förutsättning att samtliga följande villkor är uppfyllda:

a) Den fysiska eller juridiska personen i fråga har inte försäkringsförmedling som huvudsaklig yrkesverksamhet.

b) Den fysiska eller juridiska personen distribuerar bara vissa försäkringsprodukter som kompletterar en vara eller en tjänst.

c) De berörda försäkringsprodukterna täcker inte livförsäkring eller ansvarsförsäkring, utom när sådant skydd kompletterar den vara eller tjänst som förmedlaren tillhandahåller som huvudsaklig yrkesverksamhet.

5. återförsäkringsförmedlare : varje fysisk eller juridisk person – utom återförsäkringsföretag eller deras anställda som mot ersättning inleder eller bedriver försäkringsdistribution.

6. försäkringsföretag : ett företag enligt definitionen i artikel 13.1 i Europaparlamentets och rådets direktiv 2009/138/EG ( 2 ).

( 1 )

Europaparlamentets och rådets förordning (EU) nr 575/2013 av den 26 juni 2013 om tillsynskrav för kreditinstitut och

( 2 )

värdepappersföretag och om ändring av förordning (EU) nr 648/2012 (EUT L 176, 27.6.2013, s. 1).

Europaparlamentets och rådets direktiv 2009/138/EG av den 25 november 2009 om upptagande och utövande av försäkrings- och

återförsäkringsverksamhet (Solvens II) (EUT L 335, 17.12.2009, s. 1).

s. 30 %LODJD Kontrollera mot PDF

%LODJD

L 26/30

SV

Europeiska unionens officiella tidning

2.2.2016

7. återförsäkringsföretag : ett återförsäkringsföretag enligt definitionen i artikel 13.4 i direktiv 2009/138/EG.

8. försäkringsdistributör : varje försäkringsförmedlare, försäkringsförmedlare som bedriver förmedling som sidoverksamhet eller försäkringsföretag.

9. ersättning : alla provisioner, ersättningar, kostnader eller andra betalningar, inbegripet ekonomiska ersättningar av alla slag eller eventuella andra finansiella eller icke-finansiella förmåner eller incitament, som erbjuds eller utbetalas med avseende på försäkringsdistributionsverksamhet.

10. hemmedlemsstat :

a) om förmedlaren är en fysisk person, den medlemsstat där förmedlaren har sin hemvist,

b) om förmedlaren är en juridisk person, den medlemsstat där förmedlarens säte är beläget, eller, om förmedlaren enligt nationell rätt inte har något säte, den medlemsstat där förmedlarens huvudkontor är beläget.

11. värdmedlemsstat : den medlemsstat där en försäkrings- eller återförsäkringsförmedlare har en permanent närvaro eller ett etableringsställe eller tillhandahåller tjänster, och som inte är förmedlarens hemmedlemsstat.

12. filial : en förmedlares agentur eller filial som är belägen i en annan medlemsstat än hemmedlemsstaten.

13. nära förbindelser : nära förbindelser enligt definitionen i artikel 13.17 i direktiv 2009/138/EG.

14. huvudsakligt verksamhetsställe : den plats där den huvudsakliga verksamheten bedrivs.

15. rådgivning : tillhandahållande av en personlig rekommendation till en kund, antingen på dennes begäran eller på initiativ av försäkringsdistributören, i fråga om ett eller flera försäkringsavtal.

16. stora risker : stora risker enligt definitionen i artikel 13.27 i direktiv 2009/138/EG.

17. försäkringsbaserad investeringsprodukt : en investeringsprodukt med ett förfallo- eller återköpsvärde och vars förfallo- eller återköpsvärde helt eller delvis är direkt eller indirekt exponerat mot marknadsvolatilitet, förutom

a) skadeförsäkringsprodukter enligt förteckningen i bilaga I till direktiv 2009/138/EG (skadeförsäkringsklasser),

b) livförsäkringsavtal där ersättning enligt avtalet endast betalas ut vid dödsfall eller vid invaliditet till följd av skada, sjukdom eller funktionsnedsättning,

c) pensionsprodukter som enligt nationell rätt erkänts ha som främsta syfte att ge investeraren inkomst vid pensionering och berättigar investeraren till vissa ersättningar,

d) officiellt erkända tjänstepensionssystem som omfattas av tillämpningsområdet för direktiv 2003/41/EG eller direktiv 2009/138/EG,

e) individuella pensionsprodukter för vilka ett finansiellt bidrag från arbetsgivaren krävs enligt nationell rätt och där arbetsgivaren eller arbetstagaren inte kan välja pensionsprodukt eller vem som tillhandahåller pensionsprodukten.

18. varaktigt medium : varje instrument som

a) gör det möjligt för kunden att bevara information som riktas till denne personligen, på ett sätt som är tillgängligt för användning i framtiden under en tid som är lämplig med hänsyn till vad som är avsikten med informationen, och

b) tillåter oförändrad återgivning av den bevarade informationen.

2. Vid tillämpningen av leden 1 och 2 i punkt 1 ska följande verksamheter inte betraktas som försäkrings- eller återförsäkringsdistribution:

a) Tillhandahållande av information i enskilda fall inom ramen för annan yrkesverksamhet om

i) leverantören inte vidtar några ytterligare åtgärder för att bistå med ingåendet eller fullgörandet av ett försäkringsavtal,

ii) denna verksamhet inte syftar till att bistå kunden med ingåendet eller fullgörandet av ett återförsäkringsavtal.

s. 31 %LODJD Kontrollera mot PDF

%LODJD

2.2.2016

SV

Europeiska unionens officiella tidning

L 26/31

b) Yrkesmässig handläggning av ett försäkrings- eller återförsäkringsföretags skador samt värdering och reglering av skador.

c) Verksamhet som består i att enbart lägga fram data och information om presumtiva försäkringstagare för försäkringsförmedlare, återförsäkringsförmedlare, försäkringsföretag eller återförsäkringsföretag, om leverantören inte vidtar några ytterligare åtgärder för att bistå med ingåendet av ett försäkrings- eller återförsäkringsavtal.

d) Verksamhet som består i att enbart lägga fram information om försäkrings- eller återförsäkringsprodukter, en försäkringsförmedlare, en återförsäkringsförmedlare, ett försäkringsföretag eller ett återförsäkringsföretag för presumtiva försäkringstagare, om leverantören inte vidtar några ytterligare åtgärder för att bistå med ingåendet av ett försäkrings- eller återförsäkringsavtal.

KAPITEL II

REGISTRERINGSKRAV

Artikel 3

Registrering

1. Försäkrings- och återförsäkringsförmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverksamhet ska registreras i sin hemmedlemsstat vid en behörig myndighet.

Försäkrings- och återförsäkringsföretag samt deras anställda ska inte behöva registrera sig enligt detta direktiv.

Utan att det påverkar tillämpningen av första stycket, får medlemsstaterna föreskriva att försäkrings- och återförsäkrings- företag och förmedlare samt andra organ får samarbeta med de behöriga myndigheterna vid registrering av försäkrings- och återförsäkringsförmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverksamhet samt vid tillämpning av de krav som fastställs i artikel 10.

I synnerhet får försäkrings och återförsäkringsförmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverksamhet registreras av ett försäkrings- eller återförsäkringsföretag, en försäkrings- eller återförsäkringsförmedlare, eller av en sammanslutning av försäkrings- eller återförsäkringsföretag eller försäkrings- eller återförsäkringsförmedlare som står under tillsyn av en behörig myndighet.

En försäkrings- eller återförsäkringsförmedlare eller en försäkringsförmedlare som bedriver förmedling som sidoverksamhet får agera på ett försäkrings- eller återförsäkringsföretags ansvar eller på en annan förmedlares ansvar. I ett sådant fall får medlemsstaterna föreskriva att försäkrings- eller återförsäkringsföretaget eller den andra förmedlaren ska ansvara för att försäkrings- eller återförsäkringsförmedlaren eller försäkringsförmedlaren som bedriver förmedling som sidoverksamhet uppfyller villkoren för registrering, däribland de villkor som anges i punkt 6 första stycket c.

Medlemsstaterna får också föreskriva att det försäkrings- eller återförsäkringsföretag eller den andra förmedlare som påtar sig ansvaret för försäkrings- eller återförsäkringsförmedlaren eller försäkringsförmedlaren som bedriver förmedling som sidoverksamhet registrerar den sistnämnda förmedlaren eller försäkringsförmedlaren som bedriver förmedling som sidoverksamhet.

Medlemsstaterna behöver inte tillämpa det krav som avses i första stycket på alla fysiska personer som arbetar hos en försäkrings- eller återförsäkringsförmedlare eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet och som utövar försäkrings- eller återförsäkringsdistribution.

Medlemsstaterna ska se till att registren omfattar namnen på de fysiska personer i ledningen vid försäkrings- eller återförsäkringsdistributören som ansvarar för försäkrings- eller återförsäkringsdistributionen.

I registret ska dessutom de medlemsstater anges i vilka förmedlaren är verksam enligt bestämmelserna om etableringsfrihet eller friheten att tillhandahålla tjänster.

2. Medlemsstaterna får upprätta fler än ett register för försäkrings- och återförsäkringsförmedlare samt försäkrings- förmedlare som bedriver förmedling som sidoverksamhet, förutsatt att de fastställer kriterier för registrering av förmedlarna.

Medlemsstaterna ska införa ett registreringssystem online. Det systemet ska vara lättillgängligt och medge att registreringsblanketten fylls i direkt online.

s. 32 %LODJD Kontrollera mot PDF

%LODJD

L 26/32

SV

Europeiska unionens officiella tidning

2.2.2016

3. Om det finns fler än ett register i en medlemsstat ska den medlemsstaten inrätta ett enda informationsställe som gör det möjligt att snabbt och enkelt få tillgång till upplysningar från dessa register och vilka ska upprättas på elektronisk väg samt uppdateras. Det informationsstället ska även innehålla upplysningar om de behöriga myndigheterna i hem- medlemsstaten.

4. Eiopa ska upprätta, på sin webbplats offentliggöra och hålla uppdaterat ett gemensamt elektroniskt register med upplysningar om försäkrings- och återförsäkringsförmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverksamhet som har anmält en avsikt att bedriva gränsöverskridande verksamhet i enlighet med kapitel III. Medlemsstaterna ska skyndsamt ge Eiopa relevant information så att myndigheten kan utföra denna uppgift. Registret ska innehålla länkar till och vara tillgängligt från respektive webbplats för varje medlemsstats behöriga myndigheter.

Eiopa ska ha rätt att få tillgång till uppgifter som lagras i registret som avses i första stycket. Eiopa och de behöriga myndigheterna ska ha rätt att ändra sådana uppgifter. Registrerade personer vars personuppgifter lagras i registret och utbyts ska ha rätt till åtkomst till sådana lagrade uppgifter och ha rätt att på lämpligt sätt informeras.

Eiopa ska upprätta en webbplats med länkar till varje enskilt informationsställe eller i förekommande fall det register som medlemsstaterna inrättat i enlighet med punkt 3.

Hemmedlemsstater ska se till att registrering av försäkrings- och återförsäkringsförmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverksamhet endast är möjlig om de relevanta kraven som fastställs i artikel 10 är uppfyllda.

Den behöriga myndigheten ska regelbundet göra en översyn av registreringens giltighet.

Hemmedlemsstater ska se till att försäkrings- och återförsäkringsförmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverksamhet som inte längre uppfyller kraven i artikel 10 tas bort ur registret. I förekommande fall ska hemmedlemsstaten underrätta värdmedlemsstaten om sådan borttagning.

5. Medlemsstaterna ska se till att ansökningar från förmedlare om att tas med i registret behandlas inom tre månader från det att en fullständig ansökan lämnats in, och att den sökande skyndsamt underrättas om beslutet.

6. Medlemsstaterna ska se till att samtliga följande uppgifter begärs in från försäkrings- och återförsäkringsförmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverksamhet som ett villkor för registrering:

a) Uppgifter om identiteten avseende sådana aktieägare eller delägare, oavsett om de är fysiska eller juridiska personer, som har ett innehav i förmedlingsföretaget som överstiger 10 % och om hur stora dessa innehav är.

b) Uppgifter om identiteten avseende personer som har nära förbindelser med förmedlaren.

c) Uppgifter om att innehavet eller de nära förbindelserna inte hindrar de behöriga myndigheterna från att på ett ändamålsenligt sätt utöva sin tillsyn.

Medlemsstaterna ska se till att förmedlarna utan oskäligt dröjsmål underrättar de behöriga myndigheterna ifall några ändringar sker i de uppgifter som tillhandahållits enligt denna punkt.

7. Medlemsstaterna ska se till att de behöriga myndigheterna nekar registrering om lagar och andra författningar i ett tredjeland som reglerar en eller flera fysiska eller juridiska personer med vilken eller vilka förmedlaren har nära förbindelser, eller svårigheter att kontrollera efterlevnaden av dessa lagar och andra författningar, hindrar myndigheterna från att på ett ändamålsenligt sätt utöva sin tillsyn.

KAPITEL III

FRIHET ATT TILLHANDAHÅLLA TJÄNSTER OCH ETABLERINGSFRIHET

Artikel 4

Utövande av friheten att tillhandahålla tjänster

1. Varje försäkrings- eller återförsäkringsförmedlare eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet som avser att för första gången inleda verksamhet på en annan medlemsstats territorium inom ramen för friheten att tillhandahålla tjänster ska lämna följande uppgifter till den behöriga myndigheten i sin hemmedlemsstat:

a) Förmedlarens namn, adress och, om tillämpligt, registreringsnummer.

s. 33 %LODJD Kontrollera mot PDF

%LODJD

2.2.2016

SV

Europeiska unionens officiella tidning

L 26/33

b) Den eller de medlemsstater där förmedlaren avser att bedriva verksamhet.

c) Kategori av förmedlare och, om tillämpligt, namn på det eller de försäkrings- eller återförsäkringsföretag som representeras.

d) Relevanta försäkringsklasser, om tillämpligt.

2. Hemmedlemsstatens behöriga myndighet ska inom en månad efter att ha mottagit de uppgifter som avses i punkt 1 vidarebefordra dessa uppgifter till värdmedlemsstatens behöriga myndighet, som ska bekräfta mottagande av dessa utan dröjsmål. Den behöriga myndigheten i hemmedlemsstaten ska informera försäkrings- eller återförsäkringsförmedlaren eller försäkringsförmedlaren som bedriver förmedling som sidoverksamhet skriftligen om att uppgifterna har mottagits av den behöriga myndigheten i värdmedlemsstaten och att förmedlaren kan inleda verksamhet i värdmedlemsstaten. I tillämpliga fall ska den behöriga myndigheten i hemmedlemsstaten samtidigt underrätta förmedlaren om att information om de rättsliga bestämmelser som avses i artikel 11.1 och som är tillämpliga i värdmedlemsstaten finns att tillgå på de sätt som avses i artikel 11.3 och 11.4, och vidare om att förmedlaren måste följa de bestämmelserna för att få inleda verksamhet i värdmedlemsstaten.

3. Om någon av de uppgifter som lämnats i enlighet med punkt 1 ändras ska försäkrings- eller återförsäkringsförmedlare eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet meddela ändringen till hemmedlemsstatens behöriga myndighet minst en månad innan ändringen genomförs. Hemmedlemsstatens behöriga myndighet ska också informera värdmedlemsstatens behöriga myndighet om ändringen så snart som det är praktiskt möjligt och senast en månad från den dag då den mottog meddelandet om ändring.

Artikel 5

Bristande fullgörande av skyldigheter vid utövande av friheten att tillhandahålla tjänster

1. Om den behöriga myndigheten i värdmedlemsstaten har skäl att anse att en försäkrings- eller återförsäkrings- förmedlare eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet som är verksam inom dess territorium inom ramen för friheten att tillhandahålla tjänster underlåter att fullgöra någon av de skyldigheter som fastställs i detta direktiv, ska den underrätta den behöriga myndigheten i hemmedlemsstaten om dessa skäl.

Efter att ha gjort en bedömning av den information som mottagits enligt första stycket ska den behöriga myndigheten i hemmedlemsstaten i förekommande fall och så snart det är möjligt vidta erforderliga åtgärder för att avhjälpa situationen. Den ska underrätta värdmedlemsstatens behöriga myndighet om eventuella sådana vidtagna åtgärder.

Om försäkrings- eller återförsäkringsförmedlare eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet – trots de åtgärder som vidtagits av hemmedlemsstaten eller på grund av att åtgärderna visat sig vara otillräckliga eller inte vidtagits – fortsätter att agera på ett sätt som tydligt skadar intressena för värdmedlemsstatens konsumenter i stort eller hindrar försäkrings- och återförsäkringsmarknaderna att fungera väl, får den behöriga myndigheten i värdmedlemsstaten, efter att ha informerat den behöriga myndigheten i hemmedlemsstaten, vidta erforderliga åtgärder för att förhindra ytterligare avvikelser, inklusive att – i den mån som det är helt nödvändigt – hindra den berörda förmedlaren att fortsätta bedriva ny verksamhet inom dess territorium.

Vidare får den behöriga myndigheten i hemmedlemsstaten eller värdmedlemsstaten hänskjuta ärendet till Eiopa och begära dess biträde i enlighet med artikel 19 i förordning (EU) nr 1094/2010. I detta fall kan Eiopa agera i enlighet med de befogenheter myndigheten tilldelats genom den artikeln.

2. Punkt 1 ska inte påverka möjligheterna för en värdmedlemsstat att vidta erforderliga åtgärder för att inom sitt territorium förhindra eller bestraffa överträdelser, i situationer där omedelbar åtgärd krävs för att skydda konsumenternas rättigheter. Sådana åtgärder ska innefatta möjligheten att hindra försäkrings- och återförsäkringsförmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverksamhet att bedriva ny verksamhet inom dess territorium.

3. Information om eventuella åtgärder som vidtagits av de behöriga myndigheterna i värdmedlemsstaten enligt denna artikel ska utan oskäligt dröjsmål meddelas den berörda försäkrings- eller återförsäkringsförmedlaren eller försäkrings- förmedlaren som bedriver förmedling som sidoverksamhet – tillsammans med en vederbörlig motivering – samt den behöriga myndigheten i hemmedlemsstaten, Eiopa och kommissionen.

s. 34 %LODJD Kontrollera mot PDF

%LODJD

L 26/34

SV

Europeiska unionens officiella tidning

2.2.2016

Artikel 6

Utövande av etableringsfriheten

1. Medlemsstaterna ska se till att försäkrings- eller återförsäkringsförmedlare eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet som avser att utöva sin etableringsfrihet genom att etablera en filial eller en permanent närvaro på en annan medlemsstats territorium ska underrätta sin hemmedlemsstats behöriga myndighet och lämna följande uppgifter till den behöriga myndigheten:

a) Förmedlarens namn, adress och, om tillämpligt, registreringsnummer.

b) Den medlemsstat på vars territorium förmedlaren avser att etablera en filial eller en permanent närvaro.

c) Kategori av förmedlare och, om tillämpligt, namn på det eller de försäkrings- eller återförsäkringsföretag som representeras.

d) Relevanta försäkringsklasser, om tillämpligt.

e) Den adress i värdmedlemsstaten där dokument kan erhållas.

f) Namn på den person som ska ansvara för ledningen av filialen eller den permanenta närvaron.

Varje förmedlare som är permanent närvarande på en annan medlemsstats territorium och som är likvärdig med en filial ska behandlas på samma sätt som en filial, såvida inte förmedlaren lagligen etablerar sådan permanent närvaro i en annan juridisk form.

2. Såvida hemmedlemsstatens behöriga myndighet inte har skäl att betvivla att försäkrings- eller återförsäkrings- förmedlares eller försäkringsförmedlare som bedriver förmedling som sidoverksamhets organisatoriska struktur eller ekonomiska situation är otillräcklig med beaktande av den planerade distributionsverksamheten, ska den inom en månad efter att ha mottagit de uppgifter som avses i punkt 1 vidarebefordra dessa uppgifter till värdmedlemsstatens behöriga myndighet, som ska bekräfta mottagandet av uppgifterna utan dröjsmål. Den behöriga myndigheten i hemmedlemsstaten ska informera försäkrings- eller återförsäkringsförmedlare eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet skriftligen om att uppgifterna har mottagits av den behöriga myndigheten i värdmedlemsstaten.

Inom en månad efter mottagandet av de uppgifter som avses i första stycket i denna punkt ska värdmedlemsstatens behöriga myndighet på de sätt som avses i artikel 11.3 och 11.4 underrätta hemmedlemsstatens behöriga myndighet om de rättsliga bestämmelser som avses i artikel 11.1 och som är tillämpliga i värdmedlemsstaten. Den behöriga myndigheten i hemmedlemsstaten ska underrätta förmedlaren om detta och om att förmedlaren får inleda verksamhet i värdmedlemsstaten förutsatt att verksamheten är förenlig med nämnda rättsliga bestämmelser.

Om ingen underrättelse mottas inom den period som anges i andra stycket får försäkrings- eller återförsäkringsförmedlare eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet etablera filialen och inleda verksamhet.

3. Om hemmedlemsstatens behöriga myndighet avslår begäran att vidarebefordra uppgifterna som avses i punkt 1 till värdmedlemsstatens behöriga myndighet, ska den meddela försäkrings- eller återförsäkringsförmedlare eller försäkrings- förmedlare som bedriver förmedling som sidoverksamhet skälen till denna vägran inom en månad efter att ha mottagit samtliga de uppgifter som avses i punkt 1.

Ett avslag som avses i första stycket eller underlåtenhet av hemmedlemsstatens behöriga myndighet att vidarebefordra uppgifterna som avses i punkt 1 ska kunna bli föremål för domstolsprövning i hemmedlemsstaten.

4. Om någon av de uppgifter som lämnats i enlighet med punkt 1 ändras ska en försäkrings- eller återförsäkrings- förmedlare eller en försäkringsförmedlare som bedriver förmedling som sidoverksamhet meddela ändringen till hemmedlemsstatens behöriga myndighet minst en månad innan ändringen genomförs. Hemmedlemsstatens behöriga myndighet ska också informera värdmedlemsstatens behöriga myndighet om ändringen så snart som det är praktiskt möjligt och senast en månad från den dag då den mottog meddelandet om ändring.

Artikel 7

Uppdelning av befogenheter mellan hemmedlemsstater och värdmedlemsstater

1. Om det huvudsakliga verksamhetsstället för en försäkrings- eller återförsäkringsförmedlare eller försäkrings- förmedlare som bedriver förmedling som sidoverksamhet är beläget i en annan medlemsstat än hemmedlemsstaten kan den behöriga myndigheten i den andra medlemsstaten överenskomma med hemmedlemsstatens behöriga myndighet att den ska

s. 35 %LODJD Kontrollera mot PDF

%LODJD

2.2.2016

SV

Europeiska unionens officiella tidning

L 26/35

agera som behörig myndighet i hemmedlemsstaten i fråga om bestämmelserna i kapitlen IV, V, VI och VII. Om en sådan överenskommelse nås ska hemmedlemsstatens behöriga myndighet utan dröjsmål informera försäkrings- eller återförsäk- ringsförmedlaren eller den försäkringsförmedlare som bedriver förmedling som sidoverksamhet och Eiopa.

2. Värdmedlemsstatens behöriga myndighet ska ha ansvaret för att säkerställa att tillhandahållandet av tjänster från etableringsstället på dess territorium sker i enlighet med de skyldigheter som anges i kapitlen V och VI och de bestämmelser som antagits i enlighet med dessa kapitel.

Värdmedlemsstatens behöriga myndighet ska ha rätt att granska arrangemangen för etablering och begära de ändringar som är nödvändiga för att myndigheten ska kunna kontrollera fullgörandet av skyldigheterna enligt kapitlen V och VI och de bestämmelser som antagits i enlighet med dessa kapitel, när det gäller de tjänster som tillhandahålls eller den verksamhet som bedrivs av etableringsstället på dess territorium.

Artikel 8

Bristande fullgörande av skyldigheter vid utövande av etableringsfriheten

1. Om den behöriga myndigheten i en värdmedlemsstat fastställer att en försäkrings- eller återförsäkringsförmedlare eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet överträder sådana lagar eller andra författningar som antagits i den medlemsstaten enligt bestämmelserna i kapitlen V och VI, får den myndigheten föreslå nödvändiga åtgärder.

2. Om värdmedlemsstatens behöriga myndighet har skäl att anse att en försäkrings- eller återförsäkringsförmedlare eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet som verkar på dess territorium via ett etableringsställe överträder någon av de skyldigheter som anges i detta direktiv och om den behöriga myndigheten inte är ansvarig i enlighet med artikel 7.2, ska den meddela dessa slutsatser till hemmedlemsstatens behöriga myndighet. Efter att ha gjort en bedömning av den information som mottagits ska den behöriga myndigheten i hemmedlemsstaten i förekommande fall och så snart det är möjligt vidta erforderliga åtgärder för att avhjälpa bristerna. Den ska underrätta värdmedlemsstatens behöriga myndighet om eventuella sådana vidtagna åtgärder.

3. Om försäkrings- eller återförsäkringsförmedlaren eller den försäkringsförmedlare som bedriver förmedling som sidoverksamhet – trots de åtgärder som vidtagits av hemmedlemsstaten eller på grund av att åtgärderna visat sig vara otillräckliga eller inte vidtagits – fortsätter att agera på ett sätt som tydligt skadar intressena för värdmedlemsstatens konsumenter i stort eller hindrar försäkrings- och återförsäkringsmarknaderna att fungera väl, får den behöriga myndigheten i värdmedlemsstaten, efter att ha informerat den behöriga myndigheten i hemmedlemsstaten, vidta erforderliga åtgärder för att förhindra ytterligare avvikelser, inklusive att – i den mån som det är helt nödvändigt – hindra den berörda förmedlaren att fortsätta bedriva ny verksamhet inom dess territorium.

Vidare får den behöriga myndigheten i hemmedlemsstaten eller värdmedlemsstaten hänskjuta ärendet till Eiopa och begära dess biträde i enlighet med artikel 19 i förordning (EU) nr 1094/2010. I detta fall kan Eiopa agera i enlighet med de befogenheter myndigheten tilldelats genom den artikeln.

4. Punkterna 2 och 3 får inte påverka möjligheterna för värdmedlemsstaten att vidta erforderliga och icke- diskriminerande åtgärder för att inom sitt territorium förhindra eller bestraffa överträdelser, i situationer där omedelbar åtgärd krävs för att skydda konsumenternas rättigheter i värdmedlemsstaten, när motsvarande åtgärder är otillräckliga eller saknas i hemmedlemsstaten. I sådana situationer ska värdmedlemsstaten ha möjligheten att hindra den berörda försäkrings- eller återförsäkringsförmedlaren eller den försäkringsförmedlare som bedriver förmedling som sidoverksamhet att bedriva ny verksamhet inom dess territorium.

5. Information om åtgärder som vidtagits av de behöriga myndigheterna i värdmedlemsstaten enligt denna artikel ska utan oskäligt dröjsmål meddelas den berörda försäkrings- eller återförsäkringsförmedlaren eller försäkringsförmedlaren som bedriver förmedling som sidoverksamhet – tillsammans med en vederbörlig motivering – samt den behöriga myndigheten i hemmedlemsstaten, Eiopa och kommissionen.

Artikel 9

Befogenheter när det gäller nationella bestämmelser som utfärdats med hänsyn till allmänintresset

1. Detta direktiv ska inte påverka möjligheterna för värdmedlemsstaterna att – i den mån som det är helt nödvändigt – vidta erforderliga och icke-diskriminerande åtgärder för att inom sitt territorium bestraffa överträdelser som inte är förenliga med deras rättsliga bestämmelser som avses i artikel 11.1. I sådana situationer ska värdmedlemsstaterna ha möjligheten att hindra den berörda försäkrings- eller återförsäkringsförmedlaren eller försäkringsförmedlaren som bedriver förmedling som sidoverksamhet att bedriva ny verksamhet inom deras territorier.

s. 36 %LODJD Kontrollera mot PDF

%LODJD

L 26/36

SV

Europeiska unionens officiella tidning

2.2.2016

2. Vidare ska detta direktiv inte påverka möjligheterna för värdmedlemsstatens behöriga myndighet att vidta erforderliga åtgärder för att hindra en försäkringsdistributör som är etablerad i en annan medlemsstat att bedriva verksamhet inom dess territorium inom ramen för friheten att tillhandahålla tjänster eller, i tillämpliga fall, etableringsfriheten, om verksamheten i fråga helt eller huvudsakligen är inriktad på värdmedlemsstatens territorium med enda syfte att kringgå de rättsliga bestämmelser som skulle vara tillämpliga om den berörda försäkringsdistributören hade sin hemvist eller sitt säte i den värdmedlemsstaten, och om dess verksamhet dessutom allvarligt hotar försäkrings- och återförsäkringsmarknadernas sätt att fungera i värdmedlemsstaten med avseende på konsumentskyddet. I ett sådant fall får värdmedlemsstatens behöriga myndighet, efter att ha informerat hemmedlemsstatens behöriga myndighet, vidta alla erforderliga åtgärder gentemot den försäkringsdistributören i fråga för att skydda konsumenternas rättigheter i värdmedlemsstaten. De involverade behöriga myndigheterna får hänskjuta ärendet till Eiopa och begära dess biträde i enlighet med artikel 19 i förordning (EU) nr 1094/ 2010, och i ett sådant fall kan Eiopa agera i enlighet med de befogenheter myndigheten tilldelats genom den artikeln i fall där värdmedlemsstatens och hemmedlemsstatens behöriga myndigheter inte är överens.

KAPITEL IV

KRAV PÅ ORGANISATION AV VERKSAMHETEN

Artikel 10

Yrkeskrav och krav på organisation av verksamheten

1. Hemmedlemsstaterna ska se till att försäkrings- och återförsäkringsdistributörer och anställda hos försäkrings- och återförsäkringsföretag som utför försäkrings- eller återförsäkringsdistributionsverksamhet har lämplig kunskap och kompetens så att de kan fullgöra sina uppgifter och skyldigheter på ett tillfredsställande sätt.

2. Hemmedlemsstaterna ska se till att försäkrings- och återförsäkringsförmedlare, anställda hos försäkrings- och återförsäkringsföretag och anställda hos försäkrings- och återförsäkringsförmedlare uppfyller kraven på fortlöpande fortbildning och yrkesutveckling så att de kan utföra sina arbetsuppgifter på ett tillfredsställande sätt som motsvarar deras roll och den relevanta marknaden.

I det avseendet ska hemmedlemsstaterna införa och offentliggöra processer för att på ett ändamålsenligt sätt kontrollera och bedöma kunskapen och kompetensen hos försäkrings- och återförsäkringsförmedlare, anställda hos försäkrings- och återförsäkringsföretag och anställda hos försäkrings- och återförsäkringsförmedlare, baserat på minst 15 timmars fortbildning eller yrkesutveckling per år, med beaktande av de sålda produkternas karaktär, typen av distributör, personernas respektive roller och den verksamhet som bedrivs inom försäkrings- eller återförsäkringsdistributören.

Hemmedlemsstaten får föreskriva att ett framgångsrikt fullgörande av den erfordrade fortbildningen och yrkesutvecklingen styrks genom ett intyg.

Medlemsstaterna ska anpassa kraven på kunskaper och kompetens i förhållande till försäkrings- eller återförsäkrings- distributörernas särskilda verksamhet och till de produkter som distribueras, särskilt i fall av försäkringsförmedlare som bedriver förmedling som sidoverksamhet. Medlemsstaterna får i de fall som avses i artikel 3.1 tredje stycket och för anställda hos försäkrings- eller återförsäkringsföretag som utför försäkrings- eller återförsäkringsdistribution kräva att försäkrings- eller återförsäkringsföretaget eller försäkrings- eller återförsäkringsförmedlaren ska kontrollera att förmedlarnas kunskaper och kompetens stämmer överens med kraven i punkt 1, samt att företaget eller förmedlaren vid behov ska tillhandahålla sådana förmedlare fortbildnings- eller yrkesutvecklingsresurser som motsvarar de krav som gäller för de produkter som säljs av dessa förmedlare.

Medlemsstaterna behöver inte tillämpa kravet i punkt 1 och i första stycket i denna punkt på alla fysiska personer som arbetar på ett försäkrings- eller återförsäkringsföretag eller hos en försäkrings- eller återförsäkringsförmedlare och som bedriver försäkrings- eller återförsäkringsdistribution, men medlemsstaterna ska säkerställa att de relevanta personerna i ledningen för sådana företag som ansvarar för distributionen av försäkrings- och återförsäkringsprodukter samt alla andra personer som direkt deltar i distributionen av försäkringar eller återförsäkringar uppvisar de kunskaper och den kompetens som krävs för att utföra arbetet.

Försäkrings- och återförsäkringsförmedlare ska uppvisa överensstämmelse med de relevanta yrkeskunskaps- och kompetenskraven som föreskrivs i bilaga I.

s. 37 %LODJD Kontrollera mot PDF

%LODJD

2.2.2016

SV

Europeiska unionens officiella tidning

L 26/37

3. Fysiska personer som arbetar på ett försäkrings- eller återförsäkringsföretag eller hos en försäkrings- eller återförsäkringsförmedlare och som utför försäkrings- eller återförsäkringsdistribution ska ha god vandel. Ett minimikrav är att de inte har några anmärkningar i belastningsregistret eller i något annat motsvarande nationellt register för allvarliga brott med anknytning till egendomsbrott eller andra brott i samband med ekonomisk verksamhet, och de ska inte tidigare ha försatts i konkurs, såvida de inte har blivit rehabiliterade i enlighet med nationell rätt.

Medlemsstaterna får i enlighet med artikel 3.1 tredje stycket tillåta att försäkrings- eller återförsäkringsdistributören kontrollerar att dess anställdas och, i de fall där det är lämpligt, försäkrings- eller återförsäkringsförmedlares vandel är god.

Medlemsstaterna behöver inte tillämpa kravet i första stycket i denna punkt på alla fysiska personer som arbetar på ett försäkrings- eller återförsäkringsföretag eller hos en försäkrings- eller återförsäkringsförmedlare, förutsatt att dessa fysiska personer inte är direkt involverade i försäkrings- eller återförsäkringsdistributionen. Medlemsstaterna ska dock säkerställa att de personer i ledningen som ansvarar för – och personal som är direkt involverad i – försäkrings- eller återförsäkringsdistributionen uppfyller kravet.

När det gäller försäkringsförmedlare som bedriver förmedling som sidoverksamhet ska medlemsstaterna se till att de personer som ansvarar för försäkringsdistributionen som sidoverksamhet uppfyller det krav som avses i första stycket.

4. Försäkrings- och återförsäkringsförmedlare ska ha en ansvarsförsäkring som ska omfatta hela unionens territorium eller annan likvärdig garanti för ansvar till följd av fel eller försummelse i verksamheten, vilken minst ska täcka 1 250 000 EUR per skada och totalt 1 850 000 EUR för alla skador under ett år, såvida inte en sådan försäkring eller likvärdig garanti redan tillhandahålls av ett försäkrings- eller återförsäkringsföretag eller annat företag, för vars räkning eller med vars bemyndigande förmedlaren handlar, eller ett sådant företag har tagit fullt ansvar för förmedlarens handlande.

5. Medlemsstaterna ska kräva att försäkringsförmedlare som bedriver förmedling som sidoverksamhet ska ha en ansvarsförsäkring eller likvärdiga garantier på en nivå som fastställs av medlemsstaterna med beaktande av den sålda produktens karaktär och den verksamhet som bedrivs.

6. Medlemsstaterna ska vidta alla nödvändiga åtgärder för att skydda kunderna mot försäkrings- eller återförsäkrings- förmedlarens eller försäkringsförmedlaren som bedriver förmedling som sidoverksamhets oförmåga att överföra premien till försäkringsföretaget eller att överföra ersättningsbeloppet eller en återbetalning av premien till den försäkrade.

Detta ska göras på något eller flera av följande sätt:

a) Bestämmelser i lag eller avtal, varigenom medel som kunden betalat till förmedlaren ska betraktas som betalade till företaget, medan medel som företaget betalat till förmedlaren inte ska betraktas som betalade till kunden förrän kunden verkligen erhåller dem.

b) Ett krav på att förmedlare ska ha ekonomiska resurser som fortlöpande uppgår till 4 % av summan av mottagna årspremier, dock minst 18 750 EUR.

c) Ett krav på att kundmedel ska överföras via strikt avskilda kundkonton och på att dessa konton inte får användas för att gottgöra andra fordringsägare i händelse av konkurs.

d) Ett krav på att en garantifond ska upprättas.

7. Eiopa ska regelbundet se över de belopp som anges i punkterna 4 och 6 med hänsyn till utvecklingen av det europeiska konsumentprisindex som offentliggörs av Eurostat. Den första översynen ska göras senast den 31 december 2017, och därefter ska en översyn göras vart femte år.

Eiopa ska utarbeta utkast till tekniska standarder för tillsyn angående en anpassning av basbeloppen i euro enligt punkterna 4 och 6 som motsvarar den procentuella ändringen av det index som avses i första stycket i denna punkt från den 1 januari 2013 till den 31 december 2017 eller från dagen för den senaste översynen till dagen för den nya översynen, och beloppet ska avrundas uppåt till närmaste 10-tal euro.

Eiopa ska lägga fram dessa utkast till tekniska standarder för tillsyn för kommissionen senast den 30 juni 2018, och därefter ska de kommande utkasten till tekniska standarder för tillsyn läggas fram vart femte år.

Kommissionen ska ges befogenhet att anta de tekniska standarder för tillsyn som avses i andra och tredje stycket i denna punkt i enlighet med artiklarna 10–14 i förordning (EU) nr 1094/2010.

s. 38 %LODJD Kontrollera mot PDF

%LODJD

L 26/38

SV

Europeiska unionens officiella tidning

2.2.2016

8. För att säkerställa överensstämmelse med kraven i punkterna 1, 2 och 3, ska försäkrings- och återförsäkringsföretagen godkänna, genomföra och regelbundet se över sina interna policyer och erforderliga interna förfaranden.

Försäkrings- och återförsäkringsföretagen ska ta fram en funktion för att säkerställa ett korrekt genomförande av de policyer och förfaranden som godkänts.

Försäkrings- och återförsäkringsföretagen ska inrätta, upprätthålla och uppdatera register för all relevant dokumentation med avseende på tillämpningen av punkterna 1, 2 och 3. Försäkrings- och återförsäkringsföretagen ska på begäran lämna ut namnet på den person som ansvarar för nämnda funktion till hemmedlemsstatens behöriga myndighet.

Artikel 11

Offentliggörande av bestämmelser för att skydda allmänintresset

1. Medlemsstaterna ska säkerställa att deras behöriga myndigheter på lämpligt sätt offentliggör de relevanta nationella bestämmelser för att skydda allmänintresset som är tillämpliga på bedrivande av försäkrings- och återförsäkrings- distribution på deras territorier, inklusive information om huruvida och hur medlemsstaten har valt att tillämpa de strängare bestämmelser som anges i artikel 29.3.

2. En medlemsstat som önskar tillämpa och redan tillämpar bestämmelser om försäkringsdistribution som går utöver de bestämmelser som anges i detta direktiv ska säkerställa att den administrativa bördan av dessa bestämmelser står i proportion till behovet av konsumentskydd. Medlemsstaten ska kontinuerligt övervaka dessa bestämmelser så att de fortlöpande är förenliga med denna punkt.

3. Eiopa ska på sin webbplats ange länkar till webbplatser för de behöriga myndigheterna där information om bestämmelser för att skydda allmänintresset offentliggörs. De nationella behöriga myndigheterna ska uppdatera sådan information regelbundet, och Eiopa ska göra den tillgänglig på sin webbplats, där samtliga nationella bestämmelser för att skydda allmänintresset ska kategoriseras i olika, relevanta rättsområden.

4. Medlemsstaterna ska inrätta en enda kontaktpunkt som ska ansvara för tillhandahållande av information om bestämmelser för att skydda allmänintresset i respektive medlemsstat. En lämplig behörig myndighet bör utgöra en sådan kontaktpunkt.

5. Eiopa ska före den 23 februari 2019 i en rapport granska och informera kommissionen om de bestämmelser för att skydda allmänintresset som offentliggjorts av medlemsstaterna i enlighet med denna artikel, mot bakgrund av behovet av att detta direktiv och den inre marknaden fungerar väl.

Artikel 12

Behöriga myndigheter

1. Medlemsstaterna ska utse de behöriga myndigheter som har befogenhet att se till att detta direktiv genomförs. Medlemsstaterna ska underrätta kommissionen om detta, med uppgift om eventuell ansvarsuppdelning.

2. De myndigheter som avses i punkt 1 i denna artikel ska vara antingen offentliga myndigheter eller organ som erkänts i nationell rätt eller av en offentlig myndighet som genom nationell rätt har fått uttrycklig behörighet till detta. De får inte vara försäkrings- eller återförsäkringsföretag eller sammanslutningar vars medlemmar direkt eller indirekt innefattar försäkrings- eller återförsäkringsföretag eller försäkrings- eller återförsäkringsförmedlare, utan att detta åsidosätter behöriga myndigheters och andra organs möjligheter att samarbeta där detta uttryckligen föreskrivs enligt artikel 3.1.

3. De behöriga myndigheterna ska ha alla de befogenheter som är nödvändiga för att genomföra sina uppgifter enligt detta direktiv. Om det finns flera behöriga myndigheter på en medlemsstats territorium, ska medlemsstaten sörja för ett nära samarbete dem emellan, så att de kan utföra sina respektive uppgifter på ett effektivt sätt.

Artikel 13

Samarbete och utbyte av information mellan medlemsstaternas behöriga myndigheter

1. De behöriga myndigheterna i de olika medlemsstaterna ska samarbeta sinsemellan och utbyta all relevant information om försäkrings- och återförsäkringsdistributörer för att säkerställa att detta direktiv tillämpas på rätt sätt.

2. De behöriga myndigheterna ska i synnerhet, såväl inom ramen för registreringsprocessen som fortlöpande, utbyta relevant information om god vandel, yrkeskunskap och kompetensen hos försäkrings- och återförsäkringsdistributörer.

s. 39 %LODJD Kontrollera mot PDF

%LODJD

2.2.2016

SV

Europeiska unionens officiella tidning

L 26/39

3. De behöriga myndigheterna ska även utbyta information om de försäkrings- och återförsäkringsdistributörer som blivit föremål för en sådan påföljd eller annan åtgärd som avses i kapitel VII, och om sådan information kan få till följd att distributören tas bort ur registret över sådana distributörer.

4. Alla personer som tar emot eller lämnar ut information i samband med detta direktiv ska vara bundna av tystnadsplikt på det sätt som föreskrivs i artikel 64 i direktiv 2009/138/EG.

Artikel 14

Klagomål

Medlemsstaterna skall se till att det inrättas förfaranden som innebär att kunder och andra berörda parter, särskilt konsumentorganisationer, kan anmäla klagomål mot försäkrings- och återförsäkringsdistributörer. Den som klagar ska i samtliga fall erhålla svar.

Artikel 15

Tvistlösning utanför domstol

1. Medlemsstaterna ska se till att det i enlighet med relevanta unionslagstiftningsakter och nationell rätt inrättas adekvata, effektiva, opartiska och oberoende förfaranden för klagomål och tvistlösning utanför domstol för att avgöra tvister mellan kunder och försäkringsdistributörer om rättigheter och skyldigheter enligt detta direktiv, i förekommande fall med användande av befintliga organ. Medlemsstaterna ska se till att dessa förfaranden är tillämpliga på – och det relevanta organets behörighet de facto omfattar – försäkringsdistributörer mot vilka förfaranden inleds.

2. Medlemsstaterna ska säkerställa att de organ som avses i punkt 1 samarbetar för att lösa gränsöverskridande tvister om rättigheterna och skyldigheterna enligt detta direktiv.

Artikel 16

Begränsning av användningen av förmedlare

Medlemsstaterna ska se till att försäkrings- och återförsäkringsföretag och förmedlare, när de utnyttjar tjänster från försäkrings- eller återförsäkringsförmedlare eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet, endast utnyttjar sådana försäkringsdistributionstjänster och återförsäkringsdistributionstjänster som tillhandahålls av registrerade försäkrings- och återförsäkringsförmedlare eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet inbegripet dem som avses i artikel 1.3.

KAPITEL V

INFORMATIONSKRAV OCH UPPFÖRANDEREGLER

Artikel 17

Allmän princip

1. Medlemsstaterna ska se till att försäkringsdistributörer, när de utför försäkringsdistribution, alltid agerar hederligt, rättvist och professionellt i enlighet med sina kunders bästa intresse.

2. Utan att det påverkar Europaparlamentets och rådet direktiv 2005/29/EG ( 1 ) ska medlemsstaterna säkerställa att all information med anknytning till innehållet i detta direktiv, däribland marknadsföringsmaterial, som försäkringsdistributörer skickar till kunder eller presumtiva kunder ska vara opartisk, tydlig och inte vilseledande. Marknadsföringsmaterial ska alltid klart och tydligt kunna identifieras som sådant.

3. Medlemsstaterna ska säkerställa att försäkringsdistributörer inte erhåller ersättning, och inte ersätter eller bedömer sina anställdas prestationer, på ett sätt som står i strid med skyldigheten att agera i enlighet med kundernas bästa intresse. I synnerhet får en försäkringsdistributör inte införa system med ersättningar, försäljningsmål eller annat som skulle kunna ge vederbörande eller sina anställda incitament att rekommendera en kund en viss försäkringsprodukt när försäkrings- distributören skulle kunna erbjuda en annan försäkringsprodukt som bättre skulle motsvara kundens behov.

( 1 )

Europaparlamentets och rådets direktiv 2005/29/EG av den 11 maj 2005 om otillbörliga affärsmetoder som tillämpas av

näringsidkare gentemot konsumenter på den inre marknaden och om ändring av rådets direktiv 84/450/EEG och

Europaparlamentets och rådets direktiv 97/7/EG, 98/27/EG och 2002/65/EG samt Europaparlamentets och rådets förordning

(EG) nr 2006/2004 ( direktiv om otillbörliga affärsmetoder ) (EUT L 149, 11.6.2005, s. 22).

s. 40 %LODJD Kontrollera mot PDF

%LODJD

L 26/40

SV

Europeiska unionens officiella tidning

2.2.2016

Artikel 18

Allmän information som ska lämnas av försäkringsförmedlaren eller försäkringsföretaget

Medlemsstaterna ska säkerställa följande:

a) Försäkringsförmedlare ska i god tid innan ett försäkringsavtal ingås lämna följande information till kunder:

i) Sin identitet och adress och att den är en försäkringsförmedlare.

ii) Uppgift om huruvida den tillhandahåller rådgivning om de försäkringsprodukter som säljs.

iii) De förfaranden som avses i artikel 14, genom vilka kunder och andra berörda parter kan anmäla klagomål mot försäkringsförmedlare, och uppgift om de förfaranden för klagomål och tvistlösning utanför domstol som avses i artikel 15.

iv) Det register där den finns med och hur det kan kontrolleras att den är registrerad.

v) Uppgift om huruvida förmedlaren företräder kunden eller agerar för försäkringsföretagets räkning.

b) Försäkringsföretag ska i god tid innan ett försäkringsavtal ingås lämna följande information till kunder:

i) Sin identitet och adress och att det är ett försäkringsföretag.

ii) Uppgift om huruvida företaget tillhandahåller rådgivning om de försäkringsprodukter som säljs.

iii) De förfaranden som avses i artikel 14, genom vilka kunder och andra berörda parter kan anmäla klagomål mot försäkringsföretag, och uppgift om de förfaranden för klagomål och tvistlösning utanför domstol som avses i artikel 15.

Artikel 19

Intressekonflikter och öppenhet

1. Medlemsstaterna ska se till att försäkringsförmedlare i god tid innan ett försäkringsavtal ingås lämnar information till kunden om åtminstone följande:

a) Om förmedlaren, direkt eller indirekt, innehar 10 % eller mer av rösterna eller av kapitalet i ett visst försäkringsföretag.

b) Om ett visst försäkringsföretag eller ett moderbolag till ett visst försäkringsföretag, direkt eller indirekt, innehar 10 % eller mer av rösterna eller av kapitalet i försäkringsförmedlaren.

c) I förhållande till det avtal som föreslås eller som det ges rådgivning om, uppgift om huruvida

i) den lämnar rådgivning på grundval av en opartisk och personlig analys,

ii) den är avtalsenligt förpliktad att bedriva försäkringsdistributionsverksamhet uteslutande med ett eller flera försäkringsföretag, i vilket fall den ska ange namnen på dessa försäkringsföretag, eller

iii) den inte är avtalsenligt förpliktad att bedriva försäkringsdistributionsverksamhet uteslutande med ett eller flera försäkringsföretag och inte lämnar rådgivning på grundval av en opartisk och personlig analys, i vilket fall den ska ange namnen på de försäkringsföretag med vilka han eller hon får bedriva och bedriver verksamhet.

d) Arten av den ersättning som mottas för försäkringsavtalet.

e) Uppgift om huruvida den avseende försäkringsavtalet arbetar

i) på grundval av ett arvode, dvs. att ersättningen betalas direkt av kunden,

ii) på grundval av en provision av något slag, dvs. att ersättningen ingår i försäkringspremien,

iii) på grundval av någon annan typ av ersättning, innefattandes ekonomiska ersättningar av alla slag, som erbjuds eller utbetalas i samband med försäkringsavtalet, eller

iv) på grundval av en kombination av de ersättningstyper som anges i leden i, ii och iii.

s. 41 %LODJD Kontrollera mot PDF

%LODJD

2.2.2016

SV

Europeiska unionens officiella tidning

L 26/41

2. Om arvodet ska betalas direkt av kunden ska försäkringsförmedlaren informera kunden om arvodets storlek, eller om det inte är möjligt, om metoden för att beräkna arvodet.

3. Även i de fall kunden gör andra betalningar inom ramen för försäkringsavtalet efter dess ingående än löpande premieinbetalningar och andra planmässiga betalningar, ska försäkringsförmedlaren lämna information i enlighet med denna artikel i samband med varje sådan betalning.

4. Medlemsstaterna ska säkerställa att varje försäkringsföretag i god tid innan ett försäkringsavtal ingås lämnar information till kunden om arten av den ersättning som mottas av dess anställda för försäkringsavtalet.

5. Även i de fall kunden gör andra betalningar inom ramen för försäkringsavtalet efter dess ingående än löpande premieinbetalningar och andra planmässiga betalningar, ska försäkringsföretaget lämna information i enlighet med denna artikel i samband med varje sådan betalning.

Artikel 20

Rådgivning och normer för försäljning utan rådgivning

1. Innan ett försäkringsavtal ingås ska försäkringsdistributören på grundval av de uppgifter som erhållits från kunden specificera kundens krav och behov och ge kunden objektiv information om försäkringsprodukten på ett förståeligt sätt så att kunden kan fatta ett välgrundat beslut.

Varje avtal som föreslås ska vara förenligt med kundens krav och behov i fråga om försäkringsskydd.

Om rådgivning ges innan ett visst avtal ingås ska försäkringsdistributören tillhandahålla kunden en personlig rekommendation, med en förklaring av varför en viss produkt bäst motsvarar kundens krav och behov.

2. De uppgifter som avses i punkt 1 ska anpassas till den föreslagna försäkringsproduktens komplexitet och typen av

kund.

3. När en försäkringsförmedlare informerar kunden om att den ger råd på grundval av en opartisk och personlig analys, ska den ge detta råd på grundval av en analys av ett tillräckligt stort antal försäkringsavtal tillgängliga på marknaden för att möjliggöra för den att ge en personlig rekommendation i enlighet med yrkesmässiga kriterier om vilket försäkringsavtal som i tillräcklig utsträckning skulle motsvara kundens behov.

4. Utan att det påverkar tillämpningen av artiklarna 183 och 184 i direktiv 2009/138/EG ska försäkringsdistributören innan ett avtal ingås, oavsett om rådgivning lämnas och oberoende av huruvida försäkringsprodukten är en del av ett paket enligt artikel 24 i det här direktivet, ge kunden relevant information om försäkringsprodukten på ett förståeligt sätt så att denne kan fatta ett välgrundat beslut, samtidigt som försäkringsdistributören beaktar försäkringsproduktens komplexitet och typen av kund.

5. I förhållande till distribution av skadeförsäkringsprodukter enligt förteckningen i bilaga I till direktiv 2009/138/EG ska informationen som avses i punkt 4 i denna artikel ges i form av ett standardiserat produktfaktablad för försäkringsprodukter, på papper eller något annat varaktigt medium.

6. Det produktfaktablad för försäkringsprodukter som avses i punkt 5 ska upprättas av utvecklaren av skadeförsäk- ringsprodukten.

7. Produktfaktabladet för försäkringsprodukter ska

a) vara en kortfattad och separat handling,

b) vara presenterad och utformad så att den är tydlig och lättläst, med tillräckligt stora tecken,

c) inte vara svårare att läsa ifall originalet är utformat i färg men utskrivet eller kopierat i svartvitt,

d) vara avfattat på de officiella språken, eller på ett av de officiella språken, använt i den del av medlemsstaten där försäkringsprodukten distribueras, eller på ett annat språk som konsumenten och distributören har kommit överens om,

e) vara korrekt och inte vilseledande,

f) vara försedd med titeln Produktfaktablad för försäkringsprodukten överst på första sidan,

g) inbegripa en hänvisning till att komplett information om produkten före och efter ingående av avtalet finns att tillgå i andra dokument.

Medlemsstaterna får fastställa att produktfaktabladet för försäkringsprodukten ska tillhandahållas tillsammans med information som krävs enligt andra relevanta unionslagstiftningsakter eller nationell rätt, under förutsättning att alla krav enligt första stycket är uppfyllda.

s. 42 %LODJD Kontrollera mot PDF

%LODJD

L 26/42

SV

Europeiska unionens officiella tidning

2.2.2016

8. Produktfaktabladet för försäkringsprodukter ska innehålla följande uppgifter:

a) Information om typen av försäkring.

b) En sammanfattning av försäkringsskyddet, inbegripet de huvudsakliga risker som försäkras, försäkringsbeloppet och, i tillämpliga fall, den geografiska räckvidden och en sammanfattning av undantagna risker.

c) Hur premier ska betalas och premieperioder.

d) Huvudsakliga undantag, för vilka inga krav på ersättning kan framställas.

e) Skyldigheter då avtalet börjar gälla.

f) Skyldigheter under avtalets löptid.

g) Skyldigheter i fall av krav på ersättning.

h) Avtalsvillkor, inklusive avtalets start- och slutdatum.

i) Hur avtalet kan sägas upp.

9. Efter att ha såväl samrått med nationella myndigheter som genomfört konsumenttester ska Eiopa utarbeta utkast till tekniska standarder för genomförande med avseende på ett standardiserat presentationsformat för produktfaktablad för försäkringsprodukter med närmare uppgifter om presentationen av de uppgifter som avses i punkt 8.

Eiopa ska lägga fram dessa utkast till tekniska standarder för genomförande för kommissionen senast den 23 februari 2017.

Kommissionen ska ges befogenhet att anta de tekniska standarder för genomförande som avses i första stycket i denna punkt i enlighet med artikel 15 i förordning (EU) nr 1094/2010.

Artikel 21

Information som ska lämnas av försäkringsförmedlare som bedriver förmedling som sidoverksamhet

Medlemsstaterna ska se till att försäkringsförmedlare som bedriver förmedling som sidoverksamhet agerar i enlighet med artiklarna 18 a i, 18 a iii, 18 a iv och 19.1 d.

Artikel 22

Undantag från informationsplikt och flexibilitetsregel

1. Den information som avses i artiklarna 18, 19 och 20 behöver inte lämnas när försäkringsdistributören bedriver distributionsverksamhet med anknytning till försäkringar mot stora risker.

Medlemsstaterna får föreskriva att den information som avses i artiklarna 29 och 30 i det här direktivet inte behöver lämnas till en professionell kund enligt definitionen i artikel 4.1.10 i direktiv 2014/65/EU.

2. Medlemsstaterna får behålla eller anta striktare bestämmelser avseende de informationskrav som avses i detta kapitel, förutsatt att dessa bestämmelser överensstämmer med unionsrätten. Medlemsstaterna ska informera Eiopa och kommissionen om dessa nationella bestämmelser.

Medlemsstaterna ska även vidta nödvändiga åtgärder för att säkerställa att deras behöriga myndigheter på lämpligt sätt offentliggör informationen om huruvida och hur respektive medlemsstat har valt att tillämpa striktare bestämmelser enligt denna punkt.

I synnerhet får medlemsstaterna göra den tillhandahållande av rådgivning som avses i artikel 20.1 tredje stycket obligatorisk för försäljning av försäkringsprodukter, eller för vissa typer av försäkringsprodukter. I ett sådant fall ska dessa striktare nationella bestämmelser följas av försäkringsdistributörerna, däribland distributörer som är verksamma inom ramen för friheten att tillhandahålla tjänster eller etableringsfriheten, om de ingår försäkringsavtal med kunder som har sin hemvist eller sitt etableringsställe i den medlemsstaten.

3. Medlemsstaterna får begränsa eller förbjuda godtagande eller mottagande av arvode, provisioner eller andra monetära ersättningar eller icke-monetära ersättningar som utbetalas till eller tillhandahålls försäkringsdistributörerna av någon tredjepart, eller av en person som agerar för tredjeparts räkning, i samband med distribution av försäkringsprodukter.

s. 43 %LODJD Kontrollera mot PDF

%LODJD

2.2.2016

SV

Europeiska unionens officiella tidning

L 26/43

4. För att på alla sätt åstadkomma en hög grad av insyn ska Eiopa se till att de nationella bestämmelser som den informeras om även meddelas kunderna och försäkrings- och återförsäkringsdistributörerna.

5. Om försäkringsdistributören är ansvarig för tillhandahållandet av obligatoriska tjänstepensionssystem och en anställd ansluts till ett sådant system utan att ha fattat ett individuellt beslut om att ansluta sig, ska medlemsstaterna säkerställa att den information som avses i detta kapitel tillhandahålls den anställde utan dröjsmål efter anslutningen till det berörda systemet.

Artikel 23

Former för informationen

1. All information som ska lämnas i enlighet med artiklarna 18, 19, 20 och 29 ska meddelas kunderna

a) på papper,

b) klart och korrekt på ett sätt som är förståeligt för kunden,

c) på ett officiellt språk i den medlemsstat där risken är belägen eller den medlemsstat där åtagandet görs eller på ett annat språk som parterna har kommit överens om, och

d) kostnadsfritt.

2. Genom undantag från punkt 1 a i den här artikeln får den information som avses i artiklarna 18, 19, 20 och 29 lämnas till kunden på ett av följande medier:

a) På ett varaktigt medium annat än papper, när villkoren i punkt 4 i den här artikeln är uppfyllda.

b) På en webbplats, när villkoren i punkt 5 i den här artikeln är uppfyllda.

3. När den information som avses i artiklarna 18, 19, 20 och 29 lämnas på ett varaktigt medium annat än papper eller på en webbplats ska emellertid på begäran ett pappersexemplar lämnas till kunden gratis.

4. Den information som avses i artiklarna 18, 19, 20 och 29 får lämnas på ett varaktigt medium annat än papper när följande villkor är uppfyllda:

a) Användningen av det varaktiga mediet är lämplig med hänsyn till de affärsförbindelser som råder mellan försäkringsdistributören och kunden.

b) Kunden har fått välja mellan information på papper och på ett varaktigt medium, och har valt det sistnämnda.

5. Den information som avses i artiklarna 18, 19, 20 och 29 får lämnas på en webbplats om den tillställs kunden personligen eller om följande villkor är uppfyllda:

a) Lämnandet av den informationen på en webbplats är lämpligt med hänsyn till de affärsförbindelser som råder mellan försäkringsdistributören och kunden.

b) Kunden har gått med på att den informationen lämnas på en webbplats.

c) Kunden har på elektronisk väg underrättats om adressen till webbplatsen och den plats på webbplatsen där denne kan få tillträde till den informationen.

d) Det är säkerställt att den informationen är tillgänglig på webbplatsen under en så lång period som kunden rimligen kan förväntas behöva den.

6. För tillämpningen av punkterna 4 och 5 ska lämnandet av information på ett varaktigt medium annat än papper eller på en webbplats anses vara lämpligt med hänsyn till de affärsförbindelser som råder mellan försäkringsdistributören och kunden, om det finns bevisning för att kunden har regelbunden tillgång till internet. Om kunden tillhandahåller en e- postadress för affärsförbindelserna i fråga ska detta betraktas som sådan bevisning.

s. 44 %LODJD Kontrollera mot PDF

%LODJD

L 26/44

SV

Europeiska unionens officiella tidning

2.2.2016

7. Vid telefonförsäljning ska den information som lämnats till kunden av försäkringsdistributören före avtalets ingående, inklusive produktfaktabladet för försäkringsprodukten, överensstämma med unionsregler som är tillämpliga på distansförsäljning av finansiella tjänster till konsumenter. Dessutom ska information lämnas av försäkringsdistributören till kunden i enlighet med punkt 1 eller 2 omedelbart efter det att försäkringsavtalet har ingåtts, även om kunden i enlighet med punkt 4 har valt att få förhandsinformation på ett annat varaktigt medium än papper.

Artikel 24

Korsförsäljning

1. När en försäkringsprodukt erbjuds tillsammans med en annan, underordnad produkt eller tjänst som inte är en försäkring – som en del av ett paket eller av ett och samma avtal – ska försäkringsdistributören informera kunden om huruvida det är möjligt att köpa de olika beståndsdelarna separat, och, om detta är möjligt, ge en adekvat beskrivning av de olika beståndsdelarna i avtalet eller paketet samt lämna separata uppgifter om kostnader och avgifter för respektive beståndsdel.

2. Under de omständigheter som avses i punkt 1, och om risken eller försäkringsskyddet i ett sådant avtal eller paket som erbjuds en kund skiljer sig från den risk eller det försäkringsskydd som beståndsdelarna medför var för sig, ska försäkringsdistributören ge en adekvat beskrivning av de olika beståndsdelarna i avtalet eller paketet och av det sätt på vilket deras inbördes samspel medför ändringar av risken eller försäkringsskyddet.

3. Om en försäkringsprodukt är underordnad en vara eller en tjänst som inte är en försäkring – som en del av ett paket eller av ett och samma avtal – ska försäkringsdistributören erbjuda kunden möjligheten att köpa varan eller tjänsten separat. Denna punkt ska inte tillämpas om en försäkringsprodukt är underordnad en investeringstjänst eller investerings-

verksamhet enligt definitionen i artikel 4.1.2 i direktiv 2014/65/EU, ett kreditavtal enligt definitionen i artikel 4.3 i Europaparlamentets och rådets direktiv 2014/17/EU ( 1 ) eller ett betalkonto enligt definitionen i artikel 2.3 i Europa- parlamentets och rådets direktiv 2014/92/EU ( 2 ).

4. Eiopa får utforma riktlinjer för granskning och tillsyn av metoder för korsförsäljning, och ange de situationer där korsförsäljning inte är förenlig med skyldigheterna enligt artikel 17.

5. Denna artikel får inte förhindra distribution av försäkringsprodukter som täcker flera olika risker.

6. I de fall som avses i punkterna 1 och 3 ska medlemsstaterna se till att försäkringsdistributören specificerar kundens krav och behov med avseende på försäkringsprodukter som utgör en del av det övergripande paketet eller av ett och samma avtal.

7. Medlemsstaterna får behålla eller anta ytterligare, striktare bestämmelser eller ingripa från fall till fall för att förbjuda försäljning av försäkringar tillsammans med sidotjänster eller sidoprodukter som inte är försäkringar – som en del av ett paket eller av ett och samma avtal – om de kan visa att sådan verksamhet är negativ för konsumenterna.

Artikel 25

Produkttillsyn och krav på styrning

1. Försäkringsföretag samt förmedlare som utvecklar försäkringsprodukter för försäljning till kunder ska upprätthålla, sköta och se över processen med att godkänna varje försäkringsprodukt eller varje betydande anpassning av en befintlig försäkringsprodukt innan den marknadsförs eller distribueras till kunder.

Produktgodkännandeprocessen ska vara proportionerlig och ändamålsenlig i förhållande till arten av försäkringsprodukt.

Produktgodkännandeprocessen ska inbegripa angivande av en fastställd målmarknad för varje produkt, säkerställa att det gjorts en bedömning av alla relevanta risker för den fastställda målmarknaden, och att den avsedda distributionsstrategin är förenlig med den fastställda målmarknaden och att rimliga åtgärder vidtagits för att se till att försäkringsprodukten distribueras till den fastställda målmarknaden.

( 1 )

Europaparlamentets och rådets direktiv Ǎ8 av den 4 februari 2014 om konsumentkreditavtal som avser bostadsfastighet

( 2 )

och om ändring av direktiven 2008/48/EG och 2013/36/EU och förordning (EU) nr 1093/2010 (EUT L 60, 28.2.2014, s. 34).

Europaparlamentets och rådets direktiv 2014/92/EU av den 23 juli 2014 om jämförbarhet för avgifter som avser betalkonto, byte

av betalkonto och tillgång till betalkonto med grundläggande funktioner (EUT L 257, 28.8.2014, s. 214).

s. 45 %LODJD Kontrollera mot PDF

%LODJD

2.2.2016

SV

Europeiska unionens officiella tidning

L 26/45

Försäkringsföretaget ska förstå och regelbundet se över de försäkringsprodukter som det erbjuder eller marknadsför, med beaktande av alla händelser som väsentligt skulle kunna påverka den potentiella risken för den fastställda målmarknaden, för att åtminstone bedöma huruvida produkten fortfarande är förenlig med den fastställda målmarknadens behov och huruvida den avsedda distributionsstrategin fortfarande är lämplig.

Försäkringsföretag samt förmedlare som utvecklar försäkringsprodukter ska ge varje distributör all erforderlig information om försäkringsprodukten och produktgodkännandeprocessen, inbegripet den fastställda målmarknaden för försäkrings- produkten.

Om en försäkringsdistributör lämnar rådgivning om eller föreslår försäkringsprodukter som den inte själv utvecklar ska den införa adekvata system för att erhålla den information som avses i femte stycket och för att förstå egenskaperna och de fastställda målmarknaderna för varje försäkringsprodukt.

2. Kommissionen ska ges befogenhet att anta delegerade akter enligt artikel 38 för att närmare specificera de principer som anges i denna artikel, med proportionerligt beaktande av det sätt på vilket verksamheten bedrivs, arten av sålda försäkringsprodukter och arten av distributör.

3. De strategier, processer och system som avses i den här artikeln ska inte påverka några andra krav enligt detta direktiv, inbegripet kraven avseende information, lämplighet eller ändamålsenlighet, identifiering och hantering av intressekonflikter samt incitament.

4. Denna artikel ska inte tillämpas på försäkringsprodukter som utgör försäkringar mot stora risker.

KAPITEL VI

YTTERLIGARE KRAV FÖR FÖRSÄKRINGSBASERADE INVESTERINGSPRODUKTER

Artikel 26

Tillämpningsområde för ytterligare krav

I detta kapitel fastställs krav på försäkringsdistribution, utöver de krav som är tillämpliga på försäkringsdistribution i enlighet med artiklarna 17, 18, 19 och 20, när försäkringsdistributionen bedrivs i samband med försäljning av försäkringsbaserade investeringsprodukter av

a) en försäkringsförmedlare,

b) ett försäkringsföretag.

Artikel 27

Förebyggande av intressekonflikter

Utan att det påverkar tillämpningen av artikel 17 ska en försäkringsförmedlare eller ett försäkringsföretag som utför distribution av försäkringsbaserade investeringsprodukter fastställa och tillämpa effektiva organisatoriska och administ- rativa förfaranden så att alla rimliga mått och steg vidtas för att förhindra att deras kunders intressen påverkas negativt av intressekonflikter enligt definitionen i artikel 28. Dessa system ska vara proportionerliga i förhållande till den verksamhet som bedrivs, de försäkringsprodukter som säljs och arten av distributör.

Artikel 28

Intressekonflikter

1. Medlemsstaterna ska säkerställa att försäkringsförmedlare och försäkringsföretag vidtar alla lämpliga åtgärder för att identifiera intressekonflikter mellan å ena sidan dem själva, inbegripet deras ledning och personal eller varje annan person med direkt eller indirekt koppling till dem genom kontroll, och å andra sidan deras kunder, eller mellan två kunder, som uppstår vid bedrivande av försäkringsdistributionsverksamhet.

2. Om de organisatoriska eller administrativa system som försäkringsförmedlaren eller försäkringsföretaget infört i enlighet med artikel 27 för att hantera intressekonflikter inte räcker till för att rimligen kunna förhindra riskerna för att kundernas intressen skadas, ska försäkringsförmedlaren eller försäkringsföretaget klart och tydligt informera kunden om intressekonflikternas allmänna karaktär eller ursprung i god tid innan ett försäkringsavtal ingås.

s. 46 %LODJD Kontrollera mot PDF

%LODJD

L 26/46

SV

Europeiska unionens officiella tidning

2.2.2016

3.

Med avvikelse från vad som anges i artikel 23.1 ska den information som avses i punkt 2 i den här artikeln

a)

lämnas på ett varaktigt medium, och

b)

innehålla tillräckligt detaljerade uppgifter, med beaktande av kundens art, för att kunden ska kunna fatta ett välgrundat

beslut om den försäkringsdistributionsverksamhet inom vars ram intressekonflikten uppstår.

4.

Kommissionen ska ges befogenhet att anta delegerade akter enligt artikel 38 för att

a) ange de åtgärder som försäkringsförmedlare och försäkringsföretag rimligen kan förväntas genomföra för att identifiera, förebygga, hantera och informera om intressekonflikter när de bedriver försäkringsdistributionsverksamhet,

b) upprätta lämpliga kriterier för bestämning av vilka typer av intressekonflikter som kan vara till skada för försäkringsförmedlares eller försäkringsföretags kunders eller presumtiva kunders intressen.

Artikel 29

Information till kunder

1. Utan att det påverkar tillämpningen av artiklarna 18, 19.1 och 19.2 ska kunder eller presumtiva kunder i god tid innan ett avtal ingås tillhandahållas lämplig information avseende distributionen av försäkringsbaserade investerings- produkter samt avseende alla kostnader och tillhörande avgifter. Den informationen ska omfatta åtminstone följande:

a) När rådgivning lämnas: huruvida försäkringsförmedlaren eller försäkringsföretaget kommer att ge kunden en regelbunden bedömning av lämpligheten hos den försäkringsbaserade investeringsprodukten som det rekommenderar den kunden, enligt artikel 30.

b) När det gäller information om försäkringsbaserade investeringsprodukter och föreslagna placeringsstrategier: lämplig vägledning om och varningar för de risker som är förknippade med investeringar i de försäkringsbaserade investeringsprodukterna eller särskilda föreslagna placeringsstrategier.

c) När det gäller informationen om samtliga kostnader och tillhörande avgifter som ska lämnas: information om distributionen av den försäkringsbaserade investeringsprodukten, inbegripet eventuell kostnad för rådgivning, kostnaden för den försäkringsbaserade investeringsprodukt som rekommenderas eller marknadsförs till kunden och information om hur kunden får betala för den, inbegripet eventuella tredjepartsbetalningar.

Informationen om alla kostnader och avgifter, inbegripet kostnader och avgifter som har samband med distributionen av den försäkringsbaserade investeringsprodukten, som inte orsakas av förekomsten av underliggande marknadsrisk, ska räknas samman så att kunden kan förstå den totala kostnaden liksom den kumulativa verkan på investeringens avkastning, och när kunden så begär, ska en uppdelning av kostnaderna och avgifterna per post ges. Sådan information ska i förekommande fall ges till kunden regelbundet, och åtminstone årligen, under investeringens hela livscykel.

Den information som avses i denna punkt ska tillhandahållas i begriplig form på ett sådant sätt att kunder eller presumtiva kunder har rimlig möjlighet att förstå arten av och den risk som är förknippad med den försäkringsbaserade investeringsprodukt som erbjuds och därigenom är väl informerade inför investeringsbeslutet. Medlemsstaterna får tillåta att den informationen lämnas i standardiserad form.

2. Utan att det påverkar tillämpningen av artiklarna 19.1 d och 19.1 e, 19.3 och 22.3 ska medlemsstaterna se till att försäkringsförmedlare eller försäkringsföretag anses fullgöra sina skyldigheter enligt artiklarna 17.1, 27 eller 28 när de betalar eller betalas något arvode eller någon provision, eller erbjuder eller erbjuds icke-monetära ersättningar i samband med distribution av en försäkringsbaserad investeringsprodukt eller en sidotjänst, till eller av någon annan part än kunden eller en person på kundens vägnar, endast då betalningen eller förmånen

a) inte har någon negativ inverkan på kvaliteten på den relevanta tjänsten till kunden, och

b) inte försämrar försäkringsförmedlarens eller försäkringsföretagets förutsättningar att fullgöra sina skyldigheter att agera hederligt, rättvist och professionellt i enlighet med sina kunders bästa intresse.

s. 47 %LODJD Kontrollera mot PDF

%LODJD

2.2.2016

SV

Europeiska unionens officiella tidning

L 26/47

3. Medlemsstaterna får ålägga distributörerna strängare krav med avseende på de frågor som omfattas av denna artikel. Medlemsstaterna får särskilt ytterligare förbjuda eller begränsa erbjudande eller godtagande av arvoden, provisioner eller icke-monetära ersättningar från tredje part vid tillhandahållande av rådgivning om försäkringar.

Strängare krav kan inbegripa krav på att alla sådana arvoden, provisioner eller icke-monetära ersättningar återlämnas till kunden eller räknas av mot arvoden som kunden betalar.

Medlemsstaterna får göra den tillhandahållande av rådgivning som avses i artikel 30 obligatorisk för försäljning av försäkringsbaserade investeringsprodukter, eller för vissa typer av dem.

Medlemsstaterna får föreskriva att försäkringsförmedlare – om de informerar kunder om att rådgivning tillhandahålls på oberoende grund – ska bedöma ett tillräckligt stort antal av de försäkringsprodukter som är tillgängliga på marknaden, vilka ska vara tillräckligt diversifierade med avseende på typ och produktleverantörer för att säkerställa att kundens mål på lämpligt sätt kan tillgodoses, och ska inte vara begränsade till försäkringsprodukter som utfärdats eller tillhandahållits av enheter som har nära förbindelser med förmedlaren.

De strängare kraven i en medlemsstat som avses i denna punkt ska följas av alla försäkringsförmedlare eller försäkringsföretag, däribland sådana som är verksamma inom ramen för friheten att tillhandahålla tjänster eller etableringsfriheten, när försäkringsavtal ingås med kunder som har sin hemvist eller sitt etableringsställe i den medlemsstaten.

4. Utan att det påverkar tillämpningen av punkt 3 i den här artikeln ska kommissionen ges befogenhet att anta delegerade akter enligt artikel 38 för att specificera följande:

a) Kriterierna för bedömning av huruvida incitament som betalats eller mottagits av en försäkringsförmedlare eller ett försäkringsföretag har en negativ inverkan på kvaliteten på den relevanta tjänsten till kunden.

b) Kriterierna för bedömning av huruvida försäkringsförmedlare och försäkringsföretag som betalar eller mottar incitament fullgör sina skyldigheter att agera hederligt, rättvist och professionellt i enlighet med sina kunders bästa intresse.

5. De delegerade akter som avses i punkt 4 ska beakta följande:

a) Arten av de tjänster som kunden eller den presumtiva kunden erbjuds eller tillhandahålls, med beaktande av transaktionernas typ, föremål, storlek och frekvens.

b) Arten av de produkter som erbjuds eller tas under övervägande, inklusive olika typer av försäkringsbaserade investeringsprodukter.

Artikel 30

Bedömning av lämplighet och ändamålsenlighet och rapportering till kunder

1. Utan att det påverkar tillämpningen av artikel 20.1 ska försäkringsförmedlaren eller försäkringsföretaget, när de tillhandahåller rådgivning om en försäkringsbaserad investeringsprodukt, även inhämta nödvändiga upplysningar om kundens eller den presumtiva kundens kunskaper och erfarenheter på det relevanta investeringsområdet för den specifika typen av produkt eller tjänst, den personens finansiella ställning, inbegripet vederbörandes förmåga att bära förluster, och den personens investeringsmål – inbegripet vederbörandes risktolerans – så att försäkringsförmedlaren eller försäkrings- företaget kan rekommendera kunden eller den presumtiva kunden de försäkringsbaserade investeringsprodukter som är lämpliga för den personen och i synnerhet är förenliga med den personens risktolerans och förmåga att bära förluster.

Medlemsstaterna ska säkerställa att, när en försäkringsförmedlare eller ett försäkringsföretag tillhandahåller investerings- rådgivning med rekommendation om ett paket av kombinerade tjänster eller produkter enligt artikel 24, hela det kombinerade paketet är lämpligt.

2. Utan att det påverkar tillämpningen av artikel 20.1 ska medlemsstaterna se till att försäkringsförmedlare eller försäkringsföretag, när de utför annan försäkringsdistributionsverksamhet än den som avses i punkt 1 i den här artikeln, i samband med försäljning utan att rådgivning ges, begär att kunden eller den presumtiva kunden lämnar upplysningar om sin kunskap och erfarenhet på det för den erbjudna eller efterfrågade produkten eller tjänsten relevanta investeringsområdet, så att försäkringsförmedlaren eller försäkringsföretaget kan bedöma om den tänkta försäkringstjänsten eller försäkrings- produkten är passande för kunden. När det är fråga om en kombination av tjänster eller produkter enligt artikel 24 ska bedömningen gälla huruvida hela det kombinerade paketet är lämpligt.

Om försäkringsförmedlaren eller försäkringsföretaget mot bakgrund av de upplysningar som erhållits enligt första stycket anser att produkten inte är passande för kunden eller den presumtiva kunden, ska försäkringsförmedlaren eller försäkringsföretaget varna kunden eller den presumtiva kunden därom. Den varningen får lämnas i standardiserad form.

s. 48 %LODJD Kontrollera mot PDF

%LODJD

L 26/48

SV

Europeiska unionens officiella tidning

2.2.2016

Om kunder eller presumtiva kunder inte lämnar de upplysningar som avses i första stycket, eller om de lämnar otillräckliga upplysningar om sin kunskap och erfarenhet, ska försäkringsförmedlaren eller försäkringsföretaget varna dem om att de inte kan avgöra om den tänkta produkten är passande för dem. Den varningen får lämnas i standardiserad form.

3. Utan att det påverkar tillämpningen av artikel 20.1 får medlemsstaterna, när ingen rådgivning ges om försäkringsbaserade investeringsprodukter, göra undantag från de skyldigheter som avses i punkt 2 i den här artikeln och tillåta försäkringsförmedlare eller försäkringsföretag att utföra försäkringsdistributionsverksamhet inom sitt territorium utan att de behöver inhämta de upplysningar eller göra en sådan bedömning som avses i punkt 2 i den här artikeln, om samtliga följande villkor är uppfyllda:

a) Verksamheten avser någon av följande försäkringsbaserade investeringsprodukter:

i) Avtal som endast ger investeringsexponering för finansiella instrument som bedöms som icke-komplexa enligt direktiv 2014/65/EU och som inte innehåller en struktur som gör det svårt för kunden att förstå den därmed förbundna risken, eller

ii) andra icke-komplexa försäkringsbaserade investeringsprodukter i enlighet med denna punkt.

b) Försäkringsdistributionen utförs på initiativ av kunden eller den presumtiva kunden.

c) Kunden eller den presumtiva kunden har klart och tydligt informerats om att försäkringsförmedlaren eller försäkringsföretaget, när de tillhandahåller försäkringsdistributionen, inte behöver bedöma den tillhandahållna eller erbjudna försäkringsbaserade investeringsproduktens eller den tillhandahållna eller erbjudna försäkringsdistributionens ändamålsenlighet och att kunden eller den presumtiva kunden därför inte åtnjuter samma skydd som avses i de relevanta uppförandereglerna. En sådan varning får lämnas i standardiserad form.

d) Försäkringsförmedlaren eller försäkringsföretaget fullgör sina skyldigheter enligt artiklarna 27 och 28.

Alla försäkringsförmedlare eller försäkringsföretag, däribland sådana som utövar verksamhet inom ramen för friheten att tillhandahålla tjänster eller etableringsfriheten, ska – om de inte tillämpar det undantag som avses i denna punkt – när de ingår försäkringsavtal med kunder som har sin hemvist eller sitt etableringsställe i en medlemsstat agera i enlighet med de tillämpliga bestämmelserna i den berörda medlemsstaten.

4. Försäkringsförmedlaren eller försäkringsföretaget ska upprätta en dokumentation som innehåller de mellan försäkringsförmedlaren eller försäkringsföretaget och kunden överenskomna handlingarna i vilket eller vilka parternas rättigheter och skyldigheter anges, samt övriga villkor för försäkringsförmedlarens eller försäkringsföretagets till- handahållande av tjänster till kunden. Rättigheter och skyldigheter för överenskommelsens parter får ingå i form av hänvisningar till andra handlingar eller rättsakter.

5. Försäkringsförmedlaren eller försäkringsföretaget ska på ett varaktigt medium lämna tillfredsställande rapporter till kunden om de tjänster som tillhandahållits. De rapporteringarna ska inkludera regelbundna meddelanden till kunder, med beaktande av typen av och komplexiteten hos de aktuella försäkringsbaserade investeringsprodukterna och arten av den tjänst som tillhandahållits kunden, och ska, i förekommande fall, innehålla uppgifter om kostnaderna för de transaktioner och tjänster som utförts för kundens räkning.

När försäkringsförmedlare eller försäkringsföretag tillhandahåller rådgivning om en försäkringsbaserad investeringsprodukt ska de, innan avtalet ingås, lämna ett lämplighetsutlåtande till kunden på ett varaktigt medium som specificerar vilken rådgivning som getts och hur denna rådgivning motsvarar kundens preferenser, mål och andra egenskaper. De villkor som anges i artikel 23.1–23.4 ska tillämpas.

Om avtalet ingås med hjälp av en teknik för distanskommunikation som hindrar att ett lämplighetsutlåtande tillhandahålls i förväg får försäkringsförmedlaren eller försäkringsföretaget lämna ett skriftligt lämplighetsutlåtande på ett varaktigt medium omedelbart efter det att kunden har bundits av ett avtal, under förutsättning att båda följande villkor är uppfyllda:

a) Kunden har gett sitt samtycke till att erhålla lämplighetsutlåtandet utan oskäligt dröjsmål efter det att avtalet ingåtts.

b) Försäkringsförmedlaren eller försäkringsföretaget har erbjudit kunden möjligheten att senarelägga ingåendet av avtalet så att lämplighetsutlåtandet först kan erhållas före sådant ingående.

Om en försäkringsförmedlare eller ett försäkringsföretag har informerat kunden om att de kommer att utföra en regelbunden lämplighetsbedömning ska den regelbundna rapporten innehålla en uppdaterad förklaring om hur den försäkringsbaserade investeringsprodukten motsvarar kundens preferenser, mål och andra egenskaper.

s. 49 %LODJD Kontrollera mot PDF

%LODJD

2.2.2016

SV

Europeiska unionens officiella tidning

L 26/49

6. Kommissionen ska ges befogenhet att anta delegerade akter enligt artikel 38 för att närmare ange hur försäkringsförmedlare och försäkringsföretag ska följa de principer som anges i denna artikel när de utför försäkrings- distributionsverksamhet med sina kunder, inklusive i förhållande till den information som ska inhämtas vid bedömning av de försäkringsbaserade investeringsprodukternas lämplighet och ändamålsenlighet för kunderna, kriterierna för att bedöma icke-komplexa försäkringsbaserade investeringsprodukter i enlighet med punkt 3 a ii i den här artikeln, innehåll och format för registren och avtal om tillhandahållande av tjänster till kunder och regelbundna rapporter till kunderna om de tjänster som tillhandahålls. I dessa delegerade akter ska följande beaktas:

a) Arten av de tjänster som erbjuds eller tillhandahålls kunden eller den presumtiva kunden, med beaktande av transaktionernas typ, föremål, storlek och frekvens.

b) Arten av de produkter som erbjuds eller tas under övervägande, inklusive olika typer av försäkringsbaserade investeringsprodukter.

c) Kundens eller den presumtiva kundens ställning som icke-professionell eller professionell kund.

7. Senast den 23 augusti 2017 ska Eiopa utarbeta och därefter regelbundet uppdatera riktlinjer för bedömning av försäkringsbaserade investeringsprodukter som innehåller en struktur som gör det svårt för kunden att förstå den därmed förbundna risken enligt punkt 3 a i.

8. Eiopa får utarbeta och därefter regelbundet uppdatera riktlinjer för bedömning av försäkringsbaserade investerings- produkter som klassificeras som icke-komplexa för tillämpningen av punkt 3 a ii, med beaktande av de delegerade akter som antagits enligt punkt 6.

KAPITEL VII

SANKTIONER OCH ANDRA ÅTGÄRDER

Artikel 31

Administrativa sanktioner och andra åtgärder

1. Utan att det påverkar de behöriga myndigheternas tillsynsutövning och medlemsstaternas rätt att föreskriva och påföra straffrättsliga påföljder, ska medlemsstaterna se till att deras behöriga myndigheter får påföra administrativa sanktioner och andra åtgärder som är tillämpliga på alla överträdelser av de nationella bestämmelser som genomför detta direktiv, och de ska vidta alla nödvändiga åtgärder för att se till att nämnda regler genomförs. Medlemsstaterna ska se till att deras administrativa sanktioner och andra åtgärder är effektiva, proportionella och avskräckande.

2. Medlemsstaterna får besluta att inte fastställa några regler om administrativa sanktioner enligt detta direktiv för överträdelser som är föremål för straffrättsliga påföljder enligt deras nationella lagstiftning. I detta fall ska medlemsstaterna informera kommissionen om de relevanta straffrättsliga bestämmelserna.

3. De behöriga myndigheterna ska utöva sina tillsynsbefogenheter, inklusive undersökningsbefogenheterna och befogenheterna att påföra de sanktioner som föreskrivs i detta kapitel, i enlighet med sina nationella rättsliga ramar på något av följande sätt:

a) Direkt.

b) I samarbete med andra myndigheter.

c) Genom ansökan hos de behöriga rättsliga myndigheterna.

4. Medlemsstaterna ska se till att i de fall försäkrings- eller återförsäkringsdistributörer överträder någon sådan skyldighet som gäller för dem ska administrativa sanktioner och andra åtgärder kunna tillämpas i förhållande till personer i deras lednings- eller tillsynsorgan och på alla andra fysiska eller juridiska personer som enligt den nationella rätten är ansvariga för sådan överträdelse.

5. Medlemsstaterna ska se till att administrativa sanktioner och andra åtgärder som tillämpas i enlighet med denna artikel kan överklagas.

6. De behöriga myndigheterna ska ges alla de undersökningsbefogenheter som de behöver för att kunna utföra sina uppgifter. Vid utövandet av sina befogenheter att påföra administrativa sanktioner och andra åtgärder ska de behöriga myndigheterna samarbeta nära med varandra för att säkerställa att dessa sanktioner och åtgärder leder till önskade resultat och samordna sina insatser när de hanterar gränsöverskridande fall, med säkerställande av att villkoren för laglig databehandling uppfylls i enlighet med direktiv 95/46/EG och förordning (EG) nr 45/2001.

s. 50 %LODJD Kontrollera mot PDF

%LODJD

L 26/50

SV

Europeiska unionens officiella tidning

2.2.2016

Om medlemsstaterna i enlighet med punkt 2 i den här artikeln valt att fastställa straffrättsliga påföljder för överträdelser av de bestämmelser som avses i artikel 33, ska de se till att erforderliga åtgärder vidtagits så att de behöriga myndigheterna har alla nödvändiga befogenheter att

a) hålla kontakter med rättsliga myndigheter inom sitt territorium för att få särskild information om brottsutredningar eller straffrättsliga förfaranden som inletts på grund av eventuella överträdelser enligt detta direktiv och

b) lämna sådan information till andra behöriga myndigheter och Eiopa så att de kan fullgöra sin skyldighet att samarbeta med varandra och Eiopa i enlighet med detta direktiv.

Artikel 32

Offentliggörande av sanktioner och andra åtgärder

1. Medlemsstaterna ska se till att de behöriga myndigheterna utan oskäligt dröjsmål offentliggör alla administrativa sanktioner eller andra åtgärder som påförts – och inte överklagats i tid – vid överträdelser av de nationella bestämmelserna om genomförande av detta direktiv, däribland information om överträdelsens typ och art och ansvariga personers identitet. Om emellertid ett offentliggörande av de juridiska personernas identitet eller av de fysiska personernas identitet eller personuppgifter efter en bedömning från fall till fall av proportionaliteten i offentliggörandet av sådana uppgifter av den behöriga myndigheten anses som oproportionerligt eller om offentliggörandet äventyrar finansmarknadernas stabilitet eller en pågående utredning, får den behöriga myndigheten besluta att skjuta upp offentliggörandet, avstå från offentliggörande eller offentliggöra sanktionerna på anonym grund.

2. Om nationell rätt föreskriver ett offentliggörande av ett beslut om en sanktion eller annan åtgärd som är föremål för överklagande vid relevanta rättsliga eller andra myndigheter, ska de behöriga myndigheterna på sin officiella webbplats utan oskäligt dröjsmål offentliggöra information om detta och eventuell senare information om resultatet av ett sådant överklagande. Dessutom ska även alla beslut om ogiltigförklarande av ett tidigare, redan offentliggjort beslut om en sanktion eller annan åtgärd offentliggöras.

3. De behöriga myndigheterna ska informera Eiopa om alla administrativa sanktioner och andra åtgärder som påförts men inte offentliggjorts i enlighet med punkt 1, däribland eventuella överklaganden av dessa och resultatet av dem.

Artikel 33

Överträdelser och sanktioner och andra åtgärder

1. Denna artikel ska tillämpas på åtminstone följande:

a) Personer som underlåter att registrera sin distributionsverksamhet i enlighet med artikel 3.

b) Försäkrings- eller återförsäkringsföretag eller försäkrings- eller återförsäkringsförmedlare som använder sådana personers försäkrings- eller återförsäkringsdistributionstjänster som avses i led a.

c) Försäkrings-, återförsäkrings- eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet som har erhållit registrering på grundval av oriktiga uppgifter eller på något annat otillbörligt sätt, i strid med artikel 3.

d) Försäkringsdistributörer som inte iakttar bestämmelserna i artikel 10.

e) Försäkringsföretag eller försäkringsförmedlare som inte iakttar uppförandereglerna enligt kapitlen V och VI, när det gäller distribution av försäkringsbaserade investeringsprodukter.

f) Försäkringsdistributörer som inte iakttar uppförandereglerna enligt kapitel V, när det gäller andra försäkringsprodukter än dem som avses i led e.

2. Medlemsstaterna ska se till att de behöriga myndigheterna har befogenhet att vid de överträdelser som avses i punkt 1 e, och i enlighet med nationell rätt, påföra åtminstone följande administrativa sanktioner och andra åtgärder:

a) Ett offentligt utlåtande med uppgift om den ansvariga fysiska eller juridiska personen och överträdelsens art.

b) Ett föreläggande enligt vilket det krävs att den ansvariga fysiska eller juridiska personen upphör med sitt agerande och inte upprepar det agerandet.

c) I fråga om försäkringsförmedlare, återkallelse av den registrering som avses i artikel 3.

s. 51 %LODJD Kontrollera mot PDF

%LODJD

2.2.2016

SV

Europeiska unionens officiella tidning

L 26/51

d) Ett tillfälligt förbud att utöva ledningsfunktioner i försäkringsförmedlare eller försäkringsföretag, riktat mot de ledamöter

i ledningsorganet för försäkringsförmedlaren eller försäkringsföretaget som hålls ansvariga för överträdelsen.

e) I fråga om juridiska personer, följande maximala administrativa sanktionsavgifter på upp till

i) minst 5 000 000 EUR eller högst 5 % av den totala årsomsättningen enligt den senaste tillgängliga redovisning som har godkänts av ledningsorganet, eller, i medlemsstater som inte har euron som valuta, motsvarande värde i nationell valuta den dag då detta direktiv träder i kraft. Om den juridiska personen är ett moderföretag eller dotterföretag till

det moderföretag som ska upprätta koncernredovisning enligt Europaparlamentets och rådets direktiv 2013/34/ EU ( 1 ), ska den relevanta totala årsomsättningen vara den totala årsomsättningen enligt den senast tillgängliga koncernredovisning som godkänts av ledningsorganet för det yttersta moderföretaget; eller

ii) högst två gånger beloppet av de vinster som har gjorts eller förluster som undvikits på grund av överträdelsen, i de fall dessa belopp kan fastställas.

f) I fråga om fysiska personer, följande maximala administrativa sanktionsavgifter på upp till

i) minst 700 000 EUR, eller, i medlemsstater som inte har euron som valuta, motsvarande värde i nationell valuta den dag då detta direktiv träder i kraft, eller

ii) högst två gånger beloppet av de vinster som gjorts eller förluster som undvikits på grund av överträdelsen, i de fall dessa belopp kan fastställas.

3. Medlemsstaterna ska se till att de behöriga myndigheterna har befogenhet att vid de överträdelser som avses i punkt 1 a–d och 1 f, och i enlighet med nationell rätt, påföra åtminstone följande administrativa sanktioner och andra åtgärder:

a) Ett föreläggande enligt vilket det krävs att den ansvariga fysiska eller juridiska personen upphör med sitt agerande och inte upprepar detta agerande.

b) I fråga om försäkrings-, återförsäkrings eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet, återkallelse av den registrering som avses i artikel 3.

4. Medlemsstaterna får ge de behöriga myndigheterna befogenhet att föreskriva ytterligare sanktioner eller andra åtgärder samt administrativa sanktionsavgifter på en högre nivå än vad som föreskrivs i denna artikel.

Artikel 34

Effektiv tillämpning av sanktioner och andra åtgärder

Medlemsstaterna ska säkerställa att de behöriga myndigheterna, när de fastställer typen av administrativ sanktion eller annan åtgärd och nivån på en administrativ sanktionsavgift, beaktar alla relevanta omständigheter, däribland i förekommande fall följande:

a) Överträdelsens allvarlighetsgrad och varaktighet.

b) Den ansvariga fysiska eller juridiska personens grad av ansvar.

c) Den ansvariga fysiska eller juridiska personens ekonomiska bärkraft, som den indikeras genom antingen den fysiska personens årsinkomst eller den juridiska personens totala omsättning.

d) Omfattningen av de fördelar som erhållits eller de förluster som undvikits av den ansvariga fysiska eller juridiska personen, i den mån de kan fastställas.

e) Förluster för kunder och tredje parter orsakade av överträdelsen, i den mån de kan fastställas.

f) Den ansvariga fysiska eller juridiska personens vilja att samarbeta med den behöriga myndigheten.

g) Åtgärder som den ansvariga fysiska eller juridiska personen vidtagit för att förhindra att överträdelsen upprepas.

h) Eventuella tidigare överträdelser från den ansvariga fysiska eller juridiska personens sida.

( 1 )

Europaparlamentets och rådets direktiv 2013/34/EU av den 26 juni 2013 om årsbokslut, koncernredovisning och rapporter i vissa

typer av företag, om ändring av Europaparlamentets och rådets direktiv 2006/43/EG och om upphävande av rådets direktiv 78/

660/EEG och 83/349/EEG (EUT L 182, 29.6.2013, s. 19).

s. 52 %LODJD Kontrollera mot PDF

%LODJD

L 26/52

SV

Europeiska unionens officiella tidning

2.2.2016

Artikel 35

Rapportering av överträdelser

1. Medlemsstaterna ska se till att behöriga myndigheter etablerar effektiva system för att möjliggöra och uppmuntra rapportering till dem av potentiella eller faktiska överträdelser av de nationella bestämmelser som antagits för genomförande av detta direktiv.

2. De system som avses i punkt 1 ska åtminstone omfatta följande:

a) Särskilda förfaranden för mottagande av rapporter och uppföljning av dem.

b) Lämpligt skydd, åtminstone mot repressalier, diskriminering eller andra typer av orättvis behandling, för anställda hos försäkrings- eller återförsäkringsdistributörer och om möjligt för andra personer som rapporterar överträdelser som begåtts inom dessa enheter.

c) Identitetsskydd för både den person som rapporterar överträdelser och den fysiska person som påstås vara ansvarig för överträdelsen under alla skeden av förfarandet, såvida inte sådant offentliggörande krävs enligt nationell rätt i samband med ytterligare utredning eller efterföljande administrativa eller rättsliga förfaranden.

Artikel 36

Information till Eiopa om sanktioner och andra åtgärder

1. De behöriga myndigheterna ska informera Eiopa om alla administrativa sanktioner och andra åtgärder som påförts men inte offentliggjorts i enlighet med artikel 32.1.

2. De behöriga myndigheterna ska årligen ge Eiopa information i aggregerad form om alla administrativa sanktioner och andra åtgärder som påförts i enlighet med artikel 31.

Eiopa ska offentliggöra den informationen i en årlig rapport.

3. Om den behöriga myndigheten har offentliggjort en administrativ sanktion eller annan åtgärd ska den samtidigt informera Eiopa om denna.

KAPITEL VIII

SLUTBESTÄMMELSER

Artikel 37

Skydd av personuppgifter

1. Medlemsstaterna ska tillämpa direktiv 95/46/EG på den behandling av personuppgifter som utförs i medlemsstaterna i enlighet med detta direktiv.

2. Förordning (EG) nr 45/2001 ska tillämpas på den behandling av personuppgifter som utförs av Eiopa i enlighet med detta direktiv.

Artikel 38

Delegerade akter

Kommissionen ska ges befogenhet att anta delegerade akter enligt artikel 39 med avseende på artiklarna 25, 28, 29 och 30.

Artikel 39

Utövande av delegeringen

1. Befogenheten att anta delegerade akter ges till kommissionen med förbehåll för de villkor som anges i denna artikel.

2. Den befogenhet att anta delegerade akter som avses i artiklarna 25, 28, 29 och 30 ska ges till kommissionen tills vidare från och med den 22 februari 2016.

3. Den delegering av befogenhet som avses i artiklarna 25, 28, 29 och 30 får när som helst återkallas av Europaparlamentet eller rådet. Ett beslut om återkallelse innebär att delegeringen av den befogenhet som anges i beslutet upphör att gälla. Beslutet får verkan dagen efter det att det offentliggörs i Europeiska unionens officiella tidning , eller vid ett senare i beslutet angivet datum. Det påverkar inte giltigheten av delegerade akter som redan har trätt i kraft.

s. 53 %LODJD Kontrollera mot PDF

%LODJD

2.2.2016

SV

Europeiska unionens officiella tidning

L 26/53

4. Så snart kommissionen antar en delegerad akt ska den samtidigt delge Europaparlamentet och rådet denna.

5. En delegerad akt som antas enligt artiklarna 25, 28, 29 och 30 ska träda i kraft endast om varken Europaparlamentet eller rådet har gjort invändningar mot den delegerade akten inom en period av tre månader från den dag då akten delgavs Europaparlamentet och rådet, eller om både Europaparlamentet och rådet, före utgången av den perioden, har underrättat kommissionen om att de inte kommer att invända. Denna period ska förlängas med tre månader på Europaparlamentets eller rådets initiativ.

Artikel 40

Övergångsperiod

Medlemsstaterna ska se till att förmedlare som redan registrerats enligt direktiv 2002/92/EG följer de relevanta bestämmelser i nationell lagstiftning som genomför artikel 10.1 i detta direktiv senast den 23 februari 2019.

Artikel 41

Översyn och utvärdering

1. Kommissionen ska senast den 23 februari 2021 överlämna en rapport till Europaparlamentet och rådet om tillämpningen av artikel 1. En sådan rapport ska, på grundval av den information som mottagits från medlemsstaterna och Eiopa i enlighet med artikel 1.5, innefatta en bedömning av huruvida direktivets tillämpningsområde, inklusive undantaget i artikel 1.3, fortfarande är ändamålsenligt med avseende på konsumentskyddsnivån, proportionaliteten i behandlingen av olika försäkringsdistributörer och den administrativa bördan för de behöriga myndigheterna och försäkringsdistributions- kanalerna.

2. Kommissionen ska senast den 23 februari 2021 göra en översyn av detta direktiv. Översynen ska innefatta en allmän översikt över den praktiska tillämpningen av bestämmelser enligt detta direktiv med vederbörlig hänsyn till utvecklingen på marknaderna för investeringsprodukter för icke-professionella investerare och erfarenheterna av den praktiska tillämp- ningen av det här direktivet, förordning (EU) nr 1286/2014 och direktiv 2014/65/EU. Översynen ska innefatta en utvärdering av huruvida de särskilda uppföranderegler för distribution av försäkringsbaserade investeringsprodukter som anges i kapitel VI i det här direktivet leder till ändamålsenliga och proportionerliga resultat, med beaktande av behovet att säkerställa en tillräckligt hög konsumentskyddsnivå som är förenlig med de normer för investerarskydd som är tillämpliga enligt direktiv 2014/65/EU samt de specifika egenskaperna hos försäkringsbaserade investeringsprodukter och särdragen hos deras distributionskanaler. Översynen ska även diskutera möjligheterna att tillämpa bestämmelserna i detta direktiv på de produkter som omfattas av direktiv 2003/41/EG. Därutöver ska en sådan översyn också innefatta en särskild analys av effekterna av artikel 19 i det här direktivet, med beaktande av konkurrenssituationen på marknaden för försäkrings- distribution för avtal som inte ingår i någon av de klasser som anges i bilaga II till direktiv 2009/138/EG, och av effekterna av de skyldigheter som avses i artikel 19 i det här direktivet på försäkringsförmedlare som är små och medelstora företag.

3. Efter samråd med gemensamma kommittén för de europeiska tillsynsmyndigheterna ska kommissionen lägga fram en första rapport till Europaparlamentet och rådet.

4. Senast den 23 februari 2020 och därefter minst en gång vartannat år ska Eiopa utarbeta ytterligare en rapport om tillämpningen av detta direktiv. Innan Eiopa offentliggör sin rapport ska samråd ske med Europeiska värdepappers- och marknadsmyndigheten.

5. I en tredje rapport som ska utarbetas senast den 23 februari 2018 ska Eiopa göra en utvärdering av försäkringsförmedlingsmarknadernas struktur.

6. I rapporten som Eiopa ska utarbeta senast den 23 februari 2020, och som avses i punkt 4, ska Eiopa granska huruvida de behöriga myndigheter som avses i artikel 12.1 har tillräckliga befogenheter och resurser för att utföra sina arbetsuppgifter.

7. I den rapport som avses i punkt 4 ska åtminstone följande frågor behandlas:

a) Förändringar av försäkringsförmedlingsmarknadernas struktur.

b) Förändringar i mönstret för gränsöverskridande verksamhet.

c) Huruvida kvaliteten på rådgivning och försäljningsmetoder har förbättrats och effekterna av detta direktiv på de försäkringsförmedlare som är små och medelstora företag.

8. Rapporten som avses i punkt 4 ska även innehålla en utvärdering från Eiopas sida av effekterna av detta direktiv.

s. 54 %LODJD Kontrollera mot PDF

%LODJD

L 26/54

SV

Europeiska unionens officiella tidning

2.2.2016

Artikel 42

Införlivande

1. Medlemsstaterna ska sätta i kraft de bestämmelser i lagar och andra författningar som är nödvändiga för att följa detta direktiv senast den 23 februari 2018. De ska till kommissionen utan dröjsmål överlämna texten till dessa bestämmelser.

När en medlemsstat antar dessa bestämmelser ska de innehålla en hänvisning till detta direktiv eller åtföljas av en sådan hänvisning när de offentliggörs. De ska även innehålla en uppgift om att hänvisningar i befintliga lagar och andra författningar till det direktiv som upphävts genom det här direktivet ska anses som hänvisningar till det här direktivet. Närmare föreskrifter om hur hänvisningen ska göras och om hur uppgiften ska formuleras ska varje medlemsstat själv utfärda.

2. Medlemsstaterna ska till kommissionen överlämna texten till de centrala bestämmelser i nationell lagstiftning som de antar inom det område som omfattas av detta direktiv.

Artikel 43

Ändring av direktiv 2002/92/EG

Kapitel III A i direktiv 2002/92/EG ska utgå med verkan från och med den 23 februari 2016.

Artikel 44

Upphävande

Direktiv 2002/92/EG, i dess lydelse enligt de direktiv som anges i bilaga II, del A, ska upphöra att gälla med verkan från och med den 23 februari 2018, utan att det påverkar medlemsstaternas skyldigheter vad gäller tidsfristen för införlivande med nationell lagstiftning av de direktiv som anges i bilaga II, del B.

Hänvisningar till det upphävda direktivet ska anses som hänvisningar till det här direktivet och ska läsas i enlighet med jämförelsetabellen i bilaga III.

Artikel 45

Ikraftträdande

Detta direktiv träder i kraft den tjugonde dagen efter det att det har offentliggjorts i Europeiska unionens officiella tidning .

Artikel 46

Adressater

Detta direktiv riktar sig till medlemsstaterna.

Utfärdat i Strasbourg den 20 januari 2016.

På Europaparlamentets vägnar

På rådets vägnar

M. SCHULZ

A.G. KOENDERS

Ordförande

Ordförande

s. 55 %LODJD Kontrollera mot PDF

%LODJD

2.2.2016

SV

Europeiska unionens officiella tidning

L 26/55

BILAGA I

MINIMIKRAV PÅ YRKESKUNSKAP OCH KOMPETENS

(enligt artikel 10.2)

I Skadeförsäkringsrisker klassificerade i klasserna 1–18 i del A i bilaga I till direktiv 2009/138/EG

a) Nödvändig minimikunskap om villkoren i de försäkringar som erbjuds, inklusive tilläggsrisker om sådana täcks av försäkringarna i fråga

b) Nödvändig minimikunskap om tillämplig lagstiftning om distribution av försäkringsprodukter, såsom konsumen- trätt, relevant skatterätt samt relevant socialrätt och arbetsrätt

c) Nödvändig minimikunskap om skadereglering

d) Nödvändig minimikunskap om hantering av klagomål

e) Nödvändig minimikunskap om bedömning av kundernas behov

f) Nödvändig minimikunskap om försäkringsmarknaden

g) Nödvändig minimikunskap om affärsetiska normer

h) Nödvändig miniminivå vad gäller finansiell kompetens

II Försäkringsbaserade investeringsprodukter

a) Nödvändig minimikunskap om försäkringsbaserade investeringsprodukter, inklusive villkor och nettopremier samt, i förekommande fall, garanterade och icke-garanterade ersättningar

b) Nödvändig minimikunskap om fördelar och nackdelar med olika placeringsalternativ för försäkringstagarna

c) Nödvändig minimikunskap om finansiella risker som bärs av försäkringstagarna

d) Nödvändig minimikunskap om livförsäkringar och andra sparprodukter

e) Nödvändig minimikunskap om hur pensionssystemet är organiserat och vilka garanterade ersättningar det ger

f) Nödvändig minimikunskap om tillämplig rätt om distribution av försäkringsprodukter, såsom konsumenträtt och relevant skatterätt

g) Nödvändig minimikunskap om försäkringsmarknaden och marknaden för sparprodukter

h) Nödvändig minimikunskap om hantering av klagomål

i) Nödvändig minimikunskap om bedömning av kundernas behov

j) Hantering av intressekonflikter

k) Nödvändig minimikunskap om affärsetiska normer

l) Nödvändig miniminivå vad gäller finansiell kompetens

III Livförsäkringsrisker klassificerade i bilaga II till direktiv 2009/138/EG

a) Nödvändig minimikunskap om försäkringar, inklusive villkor, garanterade ersättningar och, i förekommande fall, tilläggsrisker

b) Nödvändig minimikunskap om hur pensionssystemet är organiserat och vilka garanterade ersättningar det ger i medlemsstaten i fråga

c) Kunskap om tillämplig försäkringsavtalsrätt, konsumenträtt, dataskyddsrätt, lagstiftning mot penningtvätt och, i förekommande fall, relevant skatterätt samt relevant socialrätt och arbetsrätt

s. 56 %LODJD Kontrollera mot PDF

%LODJD

L 26/56

SV

Europeiska unionens officiella tidning

2.2.2016

d) Nödvändig minimikunskap om försäkringsmarknaden och andra relevanta marknader för finansiella tjänster

e) Nödvändig minimikunskap om hantering av klagomål

f) Nödvändig minimikunskap om bedömning av konsumenternas behov

g) Hantering av intressekonflikter

h) Nödvändig minimikunskap om affärsetiska normer

i) Nödvändig miniminivå vad gäller finansiell kompetens

s. 57 %LODJD Kontrollera mot PDF

%LODJD

2.2.2016

SV

Europeiska unionens officiella tidning

L 26/57

BILAGA II

DEL A

Upphävt direktiv och en förteckning över dess efterföljande ändringar

Europaparlamentets och rådets direktiv 2002/92/EG (EGT L 9, 15.1.2003, s. 3)

Europaparlamentets och rådets direktiv 2014/65/EU (EUT L 173, 12.6.2014, s. 349)

Europaparlamentets och rådets direktiv (EU) 2016/97 (EUT L 26, 2.2.2016, s. 19)

DEL B

Tidsfrister för införlivande med nationell lagstiftning i enlighet med artikel 44

Direktiv

Tidsfrist för införlivande av ändringsdirektiv

2014/65/EU

3.7.2016

(EU) 2016/97

22.2.2016 (vad gäller ändring av direktiv 2002/92/EG i enlighet med artikel 43 i det

här direktivet)

23.2.2018 (vad gäller införlivande av det här direktivet i enlighet med artikel 42)

s. 58 %LODJD Kontrollera mot PDF

%LODJD

L 26/58

SV

Europeiska unionens officiella tidning

2.2.2016

BILAGA III

Jämförelsetabell

Direktiv 2002/92/EG

Detta direktiv

Artikel 1.1

Artikel 1.1 och 1.2

Artikel 1.2

Artikel 1.3 och 1.4

Artikel 1.3

Artikel 1.6

Artikel 2.1

Artikel 2.1 led 6

Artikel 2.2

Artikel 2.1 led 7

Artikel 2.3

Artikel 2.1 led 1 och artikel 2.2

Artikel 2.4

Artikel 2.1 led 2 och artikel 2.2

Artikel 2.5

Artikel 2.1 led 3

Artikel 2.6

Artikel 2.1 led 5

Artikel 2.7

Artikel 2.8

Artikel 2.1 led 16

Artikel 2.9

Artikel 2.1 led 10

Artikel 2.10

Artikel 2.1 led 11

Artikel 2.11

Artikel 2.12

Artikel 2.1 led 18

Artikel 2.13

Artikel 2.1 led 17

Artikel 3.1

Artikel 3.1

Artikel 3.2

Artikel 3.2 och 3.3

Artikel 3.3

Artikel 3.4

Artikel 3.4

Artikel 3.5

Artikel 3.6

Artikel 16

Artikel 4.1

Artikel 10.1 och 10.2

Artikel 4.2

Artikel 10.3

Artikel 4.3

Artikel 10.4

Artikel 4.4

Artikel 10.6

Artikel 4.5

Artikel 4.6

Artikel 4.7

Artikel 10.7

Artikel 5

Artikel 40

Artikel 6.1

Artiklarna 4 och 6

Artikel 6.2

Artikel 6.3

Artikel 11.1

Artikel 7

Artikel 12

Artikel 8

Artiklarna 5, 7, 31–36

s. 59 %LODJD Kontrollera mot PDF

%LODJD

2.2.2016

SV

Europeiska unionens officiella tidning

L 26/59

Direktiv 2002/92/EG

Detta direktiv

Artikel 9

Artikel 13

Artikel 10

Artikel 14

Artikel 11

Artikel 15

Artikel 12.1 led a

Artikel 18 led a i och led b i

Artikel 12.1 led b

Artikel 18 led a iv

Artikel 12.1 led c

Artikel 19.1 led a

Artikel 12.1 led d

Artikel 19.1 led b

Artikel 12.1 led e

Artikel 18 led a iii och led b iii samt artikel 19.1 led c

Artikel 12.2

Artikel 20.3

Artikel 12.3

Artikel 20.1

Artikel 12.4

Artikel 22.1

Artikel 12.5

Artikel 22.2 och 22.4

Artikel 13

Artikel 23

Artikel 14

Artikel 15

Artikel 16

Artikel 17

s. 3 3URPHPRULDQV KXYXGVDNOLJD LQQHKnOO Kontrollera mot PDF

3URPHPRULDQV KXYXGVDNOLJD LQQHKnOO

%LODJD

, GHQQD SURPHPRULD I|UHVOnV lQGULQJDU L ODJHQ RP I|UVlN

ULQJVI|UPHGOLQJ I|UVlNULQJVI|UPHGOLQJVODJHQ 9LVVD DY I|UVODJHQ JHQ

RPI|U lQGULQJDU L (XURSDUODPHQWHWV RFK UnGHWV GLUHNWLY (* RP

I|UVlNULQJVI|UPHGOLQJ VnYLWW JlOOHU I|UVlNULQJVI|UPHGODUH

'HW I|UHVOnV HQ XWYLGJDG OlPSOLJKHWVSU|YQLQJ DY I|UVlNULQJVI|UPHGODUH

VRP DQV|NHU RP WLOOVWnQG KRV HOOHU VRP UHGDQ KDU WLOOVWnQG DY )LQDQV

LQVSHNWLRQHQ )|U HQ VYHQVN I\VLVN SHUVRQ VND GHW XW|YHU DWW XSSI\OOD GH

NUDY VRP QX JlOOHU NUlYDV DWW I|UVlNULQJVI|UPHGODUHQ lYHQ L |YULJW lU

OlPSOLJ DWW XW|YD YHUNVDPKHWHQ )|U VYHQVND MXULGLVND SHUVRQHU VND GHW

XW|YHU GH NUDY VRP QX JlOOHU NUlYDV DWW GHQ VRP LQJnU L OHGQLQJHQ HOOHU

lU HUVlWWDUH I|U GHQQH lYHQ L |YULJW lU OlPSOLJ DWW LQJn L OHGQLQJHQ 'HVVD

NUDY I|UHVOnV lYHQ JlOOD I|U XWOlQGVND I|UVlNULQJVI|UPHGODUH VRP lJQDU

VLJ nW I|UVlNULQJVI|UPHGOLQJ L 6YHULJH VnYLWW JlOOHU I|UPHGODUH YDUV

KHPODQG LQWH LQJnU L ((6 'H Q\D NUDYHQ VND LQWH JlOOD I|U DQNQXWQD

I|UVlNULQJVI|UPHGODUH (WW WLOOVWnQG DWW XW|YD I|UVlNULQJVI|UPHGOLQJ VND

nWHUNDOODV RP OlPSOLJKHWVNUDYHW LQWH OlQJUH lU XSSI\OOW 3URPHPRULDQ

LQQHKnOOHU lYHQ HWW I|UVODJ DYVHHQGH KDQGOlJJQLQJHQ DY HQ EHJlUDQ RP

nWHUNDOOHOVH DY WLOOVWnQG DWW XW|YD I|UVlNULQJVI|UPHGOLQJ

, SURPHPRULDQ I|UHVOnV RFNVn HQ lQGULQJ L NDS † I|UVlNULQJVI|U

PHGOLQJVODJHQ bQGULQJHQ LQQHElU DWW I|UVlNULQJVI|UPHGODUH VRP PRWWDU

RFK YLGDUHEHIRUGUDU RUGHU DYVHHQGH YLVVD IRQGDQGHODU RFK WLOOKDQGDKnOOHU

LQYHVWHULQJVUnGJLYQLQJ DYVHHQGH VnGDQD DQGHODU VRP VLGRYHUNVDPKHW VND

I|OMD lYHQ YLVVD I|UHVNULIWHU VRP KDU PHGGHODWV PHG VW|G DY ODJHQ

RP YlUGHSDSSHUVPDUNQDGHQ

9LGDUH I|UHVOnV HWW I|UW\GOLJDQGH DY GHILQLWLRQHQ DY I|UVlNULQJVI|UPHG

OLQJ RFK Q\D DOOPlQQD NUDY GHOV Sn I|UVlNULQJVI|UPHGODUHV XSSWUlGDQGH

GHOV DYVHHQGH I|UPHGODUHV LQIRUPDWLRQ WLOO NXQGHU

3URPHPRULDQ LQQHKnOOHU lYHQ HWW I|UVODJ RP DWW HQ I|UVlNULQJVI|UPHG

ODUH L VDPEDQG PHG YHUNVDPKHWHQ LQWH InU PDUNQDGVI|UD DQGUD ILQDQVLHOOD

WMlQVWHU HOOHU SURGXNWHU lQ VnGDQD I|UVlNULQJDU VRP WLOOVWnQGHW HOOHU

UHJLVWUHULQJHQ DYVHU VDPW GH WMlQVWHU RFK SURGXNWHU VRP NXQGHQ NDQ YlOMD

LQRP I|UVlNULQJHQ

6OXWOLJHQ I|UHVOnV HQ Q\ EHVWlPPHOVH PHG NUDY Sn DWW I|UVlNULQJVI|U

PHGODUH VND KDQWHUD LQWUHVVHNRQIOLNWHU L YHUNVDPKHWHQ Sn YLVVW VlWW (QOLJW

EHVWlPPHOVHQ InU HQ I|UVlNULQJVI|UPHGODUH LQWH WD HPRW RFK EHKnOOD

SURYLVLRQ HOOHU DQQDQ OLNQDQGH HUVlWWQLQJ IUnQ QnJRQ DQQDQ lQ NXQGHQ

RP HUVlWWQLQJHQ NDQ PRWYHUND DWW I|UPHGODUHQ WLOOYDUDWDU NXQGHQV

LQWUHVVHQ 5HJHULQJHQ HOOHU GHQ P\QGLJKHW VRP UHJHULQJHQ EHVWlPPHU InU

PHGGHOD I|UHVNULIWHU RP YDG VRP NUlYV I|U DWW HQ I|UVlNULQJVI|UPHGODUH

VND XSSI\OOD NUDYHW

/DJlQGULQJDUQD V\IWDU WLOO DWW VWlUND VN\GGHW DY NRQVXPHQWHU RFK |YULJD

NXQGHU WLOO I|UVlNULQJVI|UPHGODUH

/DJlQGULQJDUQD I|UHVOnV WUlGD L NUDIW GHQ PDUV

opaginerad /DJI|UVODJ L SURPHPRULDQ 6WlUNW NRQVXPHQWVN\GG YLG I|UVlNULQJVI|UPHGOLQJ 'V Kontrollera mot PDF

%LODJD

/DJI|UVODJ L SURPHPRULDQ 6WlUNW NRQVXPHQWVN\GG YLG I|UVlNULQJVI|UPHGOLQJ 'V

/DJI|UVODJ

)|UVODJ WLOO ODJ RP lQGULQJ L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ

+lULJHQRP I|UHVNULYV L IUnJD RP ODJHQ RP I|UVlNULQJVI|UPHGOLQJ

dels DWW NDS † NDS RFK †† NDS † NDS † VDPW

NDS † VND KD I|OMDQGH O\GHOVH dels DWW GHW VND LQI|UDV IHP Q\D SDUDJUDIHU NDS D † NDS D RFK

E †† NDS D † RFK NDS D † RFK QlUPDVW I|UH NDS D † HQ Q\ UXEULN DY I|OMDQGH O\GHOVH

Nuvarande lydelse Föreslagen lydelse

NDS

† 'HQQD ODJ LQQHKnOOHU EHVWlPPHOVHU RP I|UVlNULQJVI|UPHGOLQJ 0HG I|UVlNULQJVI|UPHGOLQJ DYVHV \UNHVPlVVLJ YHUNVDPKHW VRP EHVWnU L

DWW

OlJJD IUDP eller I|UHVOn

OlJJD IUDP , I|UHVOn HOOHU ge

I|UVlNULQJVDYWDO HOOHU XWI|UD DQQDW

råd om I|UVlNULQJVDYWDO HOOHU

I|UEHUHGDQGH DUEHWH LQQDQ I|UVlN

XWI|UD DQQDW I|UEHUHGDQGH DUEHWH

ULQJVDYWDO LQJnV

LQQDQ I|UVlNULQJVDYWDO LQJnV

I|U QnJRQ DQQDQV UlNQLQJ LQJn I|UVlNULQJVDYWDO HOOHU

ELVWn YLG I|UYDOWQLQJ RFK

ELVWn YLG I|UYDOWQLQJ RFK

IXOOJ|UDQGH DY I|UVlNULQJVDYWDO

IXOOJ|UDQGH DY I|UVlNULQJVDYWDO

eller ge råd om hur en kund ska

placera försäkringspremier i fråga

om livförsäkring

10 a §

Med nära förbindelser avses i

denna lag detsamma som i 1 kap.

14 §

försäkringsrörelselagen

(2010:2043). Det som där anges

om försäkringsföretag ska i stället

avse försäkringsförmedlare.

ϭϬ -IU (XURSDUODPHQWHWV RFK UnGHWV GLUHNWLY (* RP I|UVlNULQJVI|UPHGOLQJ VHQDVW lQGUDW JHQRP (XURSDSDUODPHQWHWV RFK UnGHWV GLUHNWLY (8 DY GHQ > @ RP PDUNQDGHU I|U ILQDQVLHOOD LQVWUXPHQW RFK RP lQGULQJ DY GLUHNWLY (8 RFK DY GLUHNWLY (* RPDUEHWQLQJ

s. 6 NDS Kontrollera mot PDF

NDS

%LODJD

†

)|U HQ DQNQXWHQ I|UVlNULQJV

)|U HQ DQNQXWHQ I|UVlNULQJV

I|UPHGODUH JlOOHU L VWlOOHW I|U GHW

I|UPHGODUH JlOOHU L VWlOOHW I|U GHW

VRP VlJV L ± †† DWW GHW I|UVlN

VRP VlJV L ± †† DWW GHW I|UVlN

ULQJVI|UHWDJ PHG YLONHW I|UPHGODU

ULQJVI|UHWDJ PHG YLONHW I|UPHGODU

HQ KDU LQJnWW DYWDO RP DWW I|UPHGOD

HQ KDU LQJnWW DYWDO RP DWW I|UPHGOD

GHVV I|UVlNULQJVSURGXNWHU VND DQ

GHVV I|UVlNULQJVSURGXNWHU VND DQ

PlOD I|UPHGODUHQ I|U UHJLVWUHULQJ

PlOD I|UPHGODUHQ I|U UHJLVWUHULQJ

KRV %RODJVYHUNHW ,QQDQ DQPlODQ

KRV %RODJVYHUNHW ,QQDQ DQPlODQ

InU VNH VND I|UVlNULQJVI|UHWDJHW

InU VNH VND I|UVlNULQJVI|UHWDJHW

NRQWUROOHUD DWW I|UPHGODUHQ XSSI\O

NRQWUROOHUD DWW I|UPHGODUHQ XSSI\O

OHU NUDYHQ L † ± HOOHU † I|UVWD

OHU NUDYHQ L † ± HOOHU † I|UVWD

VW\FNHW RFK DQGUD VW\FNHW

VW\FNHW RFK DQGUD VW\FNHW

VDPW L I|UHVNULIWHU VRP KDU

VDPW L I|UHVNULIWHU VRP KDU

PHGGHODWV PHG VW|G DY NDS †

PHGGHODWV PHG VW|G DY NDS †

RFK † RFK )|UVlNULQJV

RFK † RFK Kravet på att

I|UHWDJHW VND JHQRP DWW EHJlUD DWW

de personer som avses i 6 § första

HWW XWGUDJ XU GHW UHJLVWHU VRP I|UV

stycket 3 även i övrigt ska vara

HQOLJW ODJHQ RP EHODVW

lämpliga för att ingå i ledningen

QLQJVUHJLVWHU YLVDV XSS NRQWUROOHUD

behöver dock inte vara uppfyllt.

DWW NUDYHQ L † RFK † I|UVWD

Sådana föreskrifter som har med-

VW\FNHW L GHWWD DYVHHQGH lU XSS

delats med

stöd av 9 kap. 2 § 5

I\OOGD

med avseende på kravet i 5 § 5 ska

inte heller tillämpas. )|UVlNULQJV

I|UHWDJHW VND JHQRP DWW EHJlUD DWW

HWW XWGUDJ XU GHW UHJLVWHU VRP I|UV

HQOLJW ODJHQ RP EHODVW

QLQJVUHJLVWHU YLVDV XSS NRQWUROOHUD

DWW NUDYHQ L † RFK † I|UVWD VW\FNHW L GHWWD DYVHHQGH lU XSS I\OOGD

, HQ DQPlODQ VND GHW DQJHV RP I|UPHGOLQJHQ VND DYVH DOOD VODJ DY I|UVlNULQJDU EDUD OLYI|UVlNULQJDU HOOHU EDUD VNDGHI|UVlNULQJDU HOOHU RP GHQ VND EHJUlQVDV WLOO DWW DYVH HQ HOOHU IOHUD I|UVlNULQJVNODVVHU HOOHU JUXSSHU DY I|UVlNULQJVNODVVHU VRP DYVHV L NDS ± †† I|UVlNULQJV U|UHOVHODJHQ RFK L I|UHVNULIWHU VRP KDU PHGGHODWV PHG VW|G DY NDS † VDPPD ODJ

9HUNVDPKHWHQ InU LQWH SnE|UMDV I|UUlQ UHJLVWUHULQJ KDU VNHWW

†

7LOOVWnQG I|U HQ VYHQVN I\VLVN SHUVRQ DWW XW|YD I|UVlNULQJVI|UPHGOLQJ InU JHV EDUD RP GHQ I\VLVND SHUVRQHQ

LQWH lU XQGHUnULJ L NRQNXUV HOOHU XQGHUNDVWDG QlULQJVI|UEXG HOOHU KDU I|UYDOWDUH HQOLJW NDS † I|UlOGUDEDONHQ

LQWH I|UHNRPPHU L GHW UHJLVWHU VRP I|UV HQOLJW ODJHQ RP EHODVWQLQJVUHJLVWHU DYVHHQGH YLVVD DOOYDUOLJD I|UP|JHQKHWVEURWW HOOHU YLVV

6HQDVWHO\GHOVH

opaginerad %LODJD Kontrollera mot PDF

%LODJD

DOOYDUOLJ HNRQRPLVN EURWWVOLJKHW RFK KDU YLVDW VN|WVDPKHW L HNRQRPLVND

DQJHOlJHQKHWHU

KDU OlPSOLJ NXQVNDS RFK

KDU OlPSOLJ NXQVNDS RFK

NRPSHWHQV I|U GHQ YHUNVDPKHW

NRPSHWHQV I|U GHQ YHUNVDPKHW

VRP skall XW|YDV och

VRP ska XW|YDV

RPIDWWDV DY HQ I|UVlNULQJ I|U

RPIDWWDV DY HQ I|UVlNULQJ I|U

VNDGHVWnQGVVN\OGLJKHW VRP NDQ

VNDGHVWnQGVVN\OGLJKHW VRP NDQ

nOlJJDV GHQQH RP KDQ HOOHU KRQ

nOlJJDV GHQQH RP KDQ HOOHU KRQ

nVLGRVlWWHU VLQD VN\OGLJKHWHU

nVLGRVlWWHU VLQD VN\OGLJKHWHU , och

5. även i övrigt är lämplig att

utöva verksamheten.

†

7LOOVWnQG I|U HQ VYHQVN MXULGLVN SHUVRQ DWW XW|YD I|UVlNULQJVI|UPHGOLQJ

InU JHV EDUD RP

GHQ MXULGLVND SHUVRQHQ LQWH lU L NRQNXUV HOOHU OLNYLGDWLRQ

GHQ MXULGLVND SHUVRQHQ RPIDWWDV DY HQ I|UVlNULQJ I|U VNDGHVWnQGV

VN\OGLJKHW VRP NDQ nOlJJDV GHQQD RP GHQ nVLGRVlWWHU VLQD VN\OGLJKHWHU

GHQ VRP skall LQJn L GHQ

GHQ VRP ska LQJn L GHQ

MXULGLVND SHUVRQHQV OHGQLQJ HOOHU

MXULGLVND SHUVRQHQV OHGQLQJ HOOHU

YDUD HUVlWWDUH I|U GHQQH XSSI\OOHU

YDUD HUVlWWDUH I|U GHQQH XSSI\OOHU

NUDYHQ L † VDPW KDU WLOOUlFNOLJ

NUDYHQ L † VDPW KDU WLOOUlFNOLJ

LQVLNW RFK HUIDUHQKHW I|U DWW GHOWD L

LQVLNW RFK HUIDUHQKHW I|U DWW GHOWD L

OHGQLQJHQ DY HQ MXULGLVN SHUVRQ

OHGQLQJHQ DY HQ MXULGLVN SHUVRQ

VRP XW|YDU I|UVlNULQJVI|UPHGOLQJ

VRP XW|YDU I|UVlNULQJVI|UPHGOLQJ

RFK

och även i övrigt är lämplig att

ingå i ledningen RFK

GH DQVWlOOGD VRP skall I|U

GH DQVWlOOGD VRP ska I|UPHGOD

PHGOD I|UVlNULQJDU I|U GHQ MXULG

I|UVlNULQJDU I|U GHQ MXULGLVND

LVND SHUVRQHQV UlNQLQJ XSSI\OOHU

SHUVRQHQV UlNQLQJ XSSI\OOHU

NUDYHQ L † ±

NUDYHQ L † ± .

'HQ MXULGLVND SHUVRQHQ skall

'HQ MXULGLVND SHUVRQHQ ska

NRQWUROOHUD DWW I|UXWVlWWQLQJDUQD

NRQWUROOHUD DWW I|UXWVlWWQLQJDUQD

HQOLJW I|UVWD VW\FNHW lU XSSI\OOGD

HQOLJW I|UVWD VW\FNHW lU XSSI\OOGD

, VDPEDQG PHG GHWWD skall GHQ

, VDPEDQG PHG GHWWD ska GHQ

MXULGLVND SHUVRQHQ EHJlUD DWW HWW

MXULGLVND SHUVRQHQ EHJlUD DWW HWW

XWGUDJ XU GHW UHJLVWHU VRP I|UV

XWGUDJ XU GHW UHJLVWHU VRP I|UV

HQOLJW ODJHQ RP EHODVW

HQOLJW ODJHQ RP EHODVW

QLQJVUHJLVWHU YLVDV XSS

QLQJVUHJLVWHU YLVDV XSS

NDS

†

)|UVlNULQJVI|UPHGODUHQ skall L

)|UVlNULQJVI|UPHGODUHQ ska L VLQ

VLQ YHUNVDPKHW LDNWWD JRG I|UVlN

YHUNVDPKHW LDNWWD JRG I|UVlNULQJV

ULQJVI|UPHGOLQJVVHG RFK PHG WLOO

I|UPHGOLQJVVHG RFK PHG WLOOE|UOLJ

E|UOLJ RPVRUJ WD WLOO YDUD NXQGHQV

RPVRUJ WD WLOO YDUD NXQGHQV LQWUHV

LQWUHVVHQ

VHQ Försäkringsförmedlaren ska

6HQDVWHO\GHOVH

opaginerad handla hederligt, rättvist och prof- %LODJD essionellt. Kontrollera mot PDF

)|UVlNULQJVI|UPHGODUHQ skall DQSDVVD VLQ UnGJLYQLQJ HIWHU NXQGHQV |QVNHPnO RFK EHKRY VDPW UHNRPPHQGHUD O|VQLQJDU VRP lU OlPSOLJD I|U NXQGHQ 2P I|UVlN ULQJVI|UPHGODUHQ KDU LQIRUPHUDW NXQGHQ HQOLJW NDS † I|UVWD VW\FNHW RP DWW KDQ HOOHU KRQ OlPQDU UnGJLYQLQJ RP I|UVlNULQJ Sn JUXQGYDO DY HQ RSDUWLVN DQDO\V lU I|UPHGODUHQ VN\OGLJ DWW OlPQD UnGJLYQLQJHQ HIWHU HQ DQDO\V DY HWW WLOOUlFNOLJW VWRUW DQWDO I|UVlNULQJV DYWDO Sn PDUNQDGHQ

)|UPHGODUHQ skall DYUnGD HQ NXQG VRP lU HQ I\VLVN SHUVRQ VRP KDQGODU KXYXGVDNOLJHQ I|U lQGD PnO VRP IDOOHU XWDQI|U QlULQJV YHUNVDPKHW IUnQ DWW YLGWD nWJlUGHU VRP LQWH NDQ DQVHV OlPSOLJD PHG KlQV\Q WLOO SHUVRQHQV EHKRY HNRQ RPLVND I|UKnOODQGHQ HOOHU DQGUD RPVWlQGLJKHWHU

2P I|UVlNULQJVI|UPHGODUHQ XW |YDU VnGDQ VLGRYHUNVDPKHW VRP DYVHV L † I|UVWD VW\FNHW JlOOHU GHVVXWRP EHVWlPPHOVHUQD L NDS ODJHQ RP YlUGHSDS SHUVPDUNQDGHQ I|U GHQ YHUNVDP KHWHQ L WLOOlPSOLJD GHODU

handla hederligt, rättvist och prof- %LODJD essionellt.

)|UVlNULQJVI|UPHGODUHQ ska DQSDVVD VLQ UnGJLYQLQJ HIWHU NXQGHQV |QVNHPnO RFK EHKRY VDPW UHNRPPHQGHUD O|VQLQJDU VRP lU OlPSOLJD I|U NXQGHQ 2P I|UVlN ULQJVI|UPHGODUHQ KDU LQIRUPHUDW NXQGHQ HQOLJW NDS † I|UVWD VW\FNHW RP DWW KDQ HOOHU KRQ OlPQDU UnGJLYQLQJ RP I|UVlNULQJ Sn JUXQGYDO DY HQ RSDUWLVN DQDO\V lU I|UPHGODUHQ VN\OGLJ DWW OlPQD UnGJLYQLQJHQ HIWHU HQ DQDO\V DY HWW WLOOUlFNOLJW VWRUW DQWDO I|UVlNULQJV DYWDO Sn PDUNQDGHQ

)|UPHGODUHQ ska DYUnGD HQ NXQG VRP lU HQ I\VLVN SHUVRQ VRP KDQGODU KXYXGVDNOLJHQ I|U lQGD PnO VRP IDOOHU XWDQI|U QlULQJV YHUNVDPKHW IUnQ DWW YLGWD nWJlUGHU VRP LQWH NDQ DQVHV OlPSOLJD PHG KlQV\Q WLOO SHUVRQHQV EHKRY HNRQ RPLVND I|UKnOODQGHQ HOOHU DQGUD RPVWlQGLJKHWHU

2P I|UVlNULQJVI|UPHGODUHQ XW

|YDU VnGDQ VLGRYHUNVDPKHW VRP DYVHV L † I|UVWD VW\FNHW JlOOHU GHVVXWRP EHVWlPPHOVHUQD L NDS

ODJHQ RP YlUGHSDS SHUVPDUNQDGHQ och föreskrifter som har meddelats med stöd av 8 kap. 42 § samma lag, I|U GHQ

YHUNVDPKHWHQ L WLOOlPSOLJD GHODU

4 a §

Försäkringsförmedlaren ska, ut- över det som anges i 6 kap. 1 och 2 §§, vidta alla rimliga åtgärder, däribland att ha organisatoriska och administrativa system, för att

1. identifiera de intresse- konflikter som kan uppkomma mellan förmedlaren eller någon person eller något företag som har nära förbindelser med förmed- laren och en kund eller mellan olika kunder, och

2. förhindra att kundens intres- sen påverkas negativt av intresse-

konflikter.

s. 1 handla hederligt, rättvist och prof- %LODJD essionellt. Kontrollera mot PDF

%LODJD

Om de åtgärder som försäk-

ringsförmedlaren har vidtagit för

att

förhindra

intressekonflikter

inte är tillräckliga, ska försäk-

ringsförmedlaren

tydligt

infor-

mera kunden om arten av eller

källan

till

intressekonflikterna

innan förmedlaren åtar sig att

utföra

försäkringsförmedling

för

kundens räkning.

En

försäkringsförmedlare

får

inte ta emot och behålla provision

eller

annan

liknande

ersättning

från någon annan än kunden, om

ersättningen

kan

motverka

att

förmedlaren

uppfyller

kraven

i

första stycket 2.

4 b §

Försäkringsförmedlaren får inte

i samband

med

verksamheten

marknadsföra

andra

finansiella

tjänster eller produkter än sådana

försäkringar som tillståndet enligt

2 kap. 2 § eller registreringen en-

ligt 2 kap. 4 § andra stycket avser.

Försäkringsförmedlaren får

dock

marknadsföra sådana tjänster och

produkter som kunden kan välja

inom försäkringen.

Om försäkringsförmedlaren har

ett sådant tillstånd för sidoverk-

samhet

som

avses

i

1 §

första

stycket,

får

förmedlaren

även

marknadsföra

sådana

andelar

i

fonder

och

fondföretag

som

omfattas av det tillståndet.

Första stycket gäller inte om

försäkringsförmedlaren

har

rätt

att driva verksamhet avseende det

slag av finansiella tjänster eller

produkter som

marknadsföringen

avser enligt någon annan författ-

ning eller är en sådan anknuten

försäkringsförmedlare som avses i

1 kap. 10 § 1 b.

NDS

opaginerad handla hederligt, rättvist och prof- %LODJD essionellt. Kontrollera mot PDF

Allmänna krav på information till %LODJD

kunder

7 a §

All information som en försäk-

ringsförmedlare

lämnar till sina

kunder ska vara rättvisande och

tydlig. Den får inte vara vilseled-

ande.

Marknadsföringsmaterial

ska lätt kunna identifieras som

sådant.

NDS

2 a §

Om

en

försäkringsförmedlare

har förklarat sig avstå från till-

ståndet enligt 2 § första stycket 2

och det samtidigt pågår ett ärende

om ingripande

mot

förmedlaren,

får Finansinspektionen, om det är

till nytta för utredningen i

ingripandeärendet, förena ärende-

na för gemensam handläggning. I

ett sådant fall får Finansinspek-

tionen, om det kan ske utan betyd-

ande olägenhet

för

förmedlaren,

avgöra

frågan

om

ingripande

enligt

1 §

andra

stycket

innan

inspektionen

avgör

om

tillståndet

ska återkallas

enligt

2 §

första

stycket

2. Finansinspektionen ska

då se till att den förutsättning för

tillståndet som anges i 2 § första

stycket 3 iakttas.

Om det finns skäl för det, får Finansinspektionen besluta om att ärendena inte längre ska hand- läggas gemensamt.

†

2P HQ I|UVlNULQJVI|UPHGODUH HWW I|UVlNULQJVI|UHWDJ HOOHU HQ XW OlQGVN I|UVlNULQJVI|UPHGODUH VRP XW|YDU I|UVlNULQJVI|UPHGOLQJ L 6YHULJH HQOLJW NDS HOOHU † OnWHU EOL DWW L WLG OlPQD GH XSSO\V QLQJDU VRP I|UHVNULYLWV PHG VW|G DY NDS † 9 InU )LQDQVLQV SHNWLRQHQ EHVOXWD DWW I|UVlNULQJV I|UPHGODUHQ I|UVlNULQJVI|UHWDJHW HOOHU GHQ XWOlQGVND I|UVlNULQJV

2P HQ I|UVlNULQJVI|UPHGODUH

HWW I|UVlNULQJVI|UHWDJ HOOHU HQ XW

OlQGVN I|UVlNULQJVI|UPHGODUH VRP

XW|YDU I|UVlNULQJVI|UPHGOLQJ L

6YHULJH HQOLJW NDS HOOHU †

OnWHU EOL DWW L WLG OlPQD GH XSSO\V

QLQJDU VRP I|UHVNULYLWV PHG VW|G

DY NDS † 10 InU )LQDQVLQV

SHNWLRQHQ EHVOXWD DWW I|UVlNULQJV

I|UPHGODUHQ I|UVlNULQJVI|UHWDJHW

HOOHU GHQ XWOlQGVND I|UVlNULQJV

opaginerad %LODJD Kontrollera mot PDF

%LODJD

I|UPHGODUHQ skall EHWDOD HQ I|UVHQ

LQJVDYJLIW PHG K|JVW

NURQRU

$YJLIWHQ WLOOIDOOHU VWDWHQ

I|UPHGODUHQ ska EHWDOD HQ I|UVHQ LQJVDYJLIW PHG K|JVW NURQRU

NDS

†

5HJHULQJHQ HOOHU GHQ P\QGLJKHW

5HJHULQJHQ HOOHU GHQ P\QGLJKHW

UHJHULQJHQ EHVWlPPHU InU PHGGHOD

som UHJHULQJHQ EHVWlPPHU InU

I|UHVNULIWHU RP

PHGGHOD I|UHVNULIWHU RP

YDG I|UVlNULQJVI|UHWDJHW L

YDG I|UVlNULQJVI|UHWDJHW L

|YULJW skall LDNWWD HQOLJW L VDPEDQG

|YULJW ska LDNWWD HQOLJW NDS † L

PHG DQPlODQ RFK NRQWUROO DY

VDPEDQG PHG DQPlODQ RFK

DQNQXWQD I|UVlNULQJVI|UPHGODUH

NRQWUROO DY DQNQXWQD I|UVlNULQJV

YDG VRP skall DYVHV PHG

I|UPHGODUH

VN|WVDPKHW L HNRQRPLVND DQJHOlJ

YDG VRP ska DYVHV PHG

HQKHWHU HQOLJW NDS †

VN|WVDPKHW L HNRQRPLVND DQJHOlJ

HQKHWHU HQOLJW NDS †

YLONHQ NXQVNDS RFK NRPSHWHQV VRP NUlYV HQOLJW NDS †

VnGDQ I|UVlNULQJ I|U VNDGHVWnQGVVN\OGLJKHW VRP DYVHV L NDS †

RFK † I|UVWD VW\FNHW

vilken insikt och erfarenhet

vad VRP NUlYV för att uppfylla

VRP NUlYV enligt NDS † I|UVWD

kraven i NDS 5 § 5 och § I|UVWD

VW\FNHW

VW\FNHW

YDG GHQ MXULGLVND SHUVRQHQ L

YDG GHQ MXULGLVND SHUVRQHQ L

|YULJW skall LDNWWD HQOLJW NDS †

|YULJW ska LDNWWD HQOLJW NDS †

DQGUD VW\FNHW L VDPEDQG PHG

DQGUD VW\FNHW L VDPEDQG PHG

NRQWUROO DY DQVWlOOGD

NRQWUROO DY DQVWlOOGD

7. vad som krävs för att uppfylla

kraven i 5 kap. 4 a §,

7 YDG I|UVlNULQJVI|UPHGODUHQ

8 YDG I|UVlNULQJVI|UPHGODUHQ

skall LDNWWD HQOLJW NDS † YLG

ska LDNWWD HQOLJW NDS † YLG

KDQWHULQJ DY NODJRPnO

KDQWHULQJ DY NODJRPnO

8 YDG I|UVlNULQJVI|UPHGODUHQ

9 YDG I|UVlNULQJVI|UPHGODUHQ

skall LDNWWD HQOLJW NDS † QlU

ska LDNWWD HQOLJW NDS † QlU GHW

GHW JlOOHU GRNXPHQWDWLRQ DY I|U

JlOOHU GRNXPHQWDWLRQ DY I|UVlN

VlNULQJVI|UPHGOLQJHQ RFK XWOlP

ULQJVI|UPHGOLQJHQ RFK XWOlPQDQGH

QDQGH DY VnGDQ GRNXPHQWDWLRQ

DY VnGDQ GRNXPHQWDWLRQ

9 YLOND XSSO\VQLQJDU VRP HQ

10 YLOND XSSO\VQLQJDU VRP HQ

I|UVlNULQJVI|UPHGODUH HWW I|UVlN

I|UVlNULQJVI|UPHGODUH HWW I|UVlN

ULQJVI|UHWDJ HOOHU HQ XWOlQGVN I|U

ULQJVI|UHWDJ HOOHU HQ XWOlQGVN I|U

VlNULQJVI|UPHGODUH HQOLJW NDS

VlNULQJVI|UPHGODUH HQOLJW NDS

† skall OlPQD WLOO )LQDQVLQVSHN

† ska OlPQD WLOO )LQDQVLQVSHN

WLRQHQ I|U GHVV WLOOV\QVYHUNVDPKHW

WLRQHQ I|U GHVV WLOOV\QVYHUNVDPKHW

RFK

RFK

10 VnGDQD DYJLIWHU I|U WLOOV\Q

11 VnGDQD DYJLIWHU I|U WLOOV\Q

VRP DYVHV L NDS †

VRP DYVHV L NDS †

opaginerad 'HQQD ODJ WUlGHU L NUDIW GHQ PDUV Kontrollera mot PDF

'HQQD ODJ WUlGHU L NUDIW GHQ PDUV

%LODJD

)|U DQV|NQLQJDU RP WLOOVWnQG VRP KDU JHWWV LQ I|UH LNUDIWWUlGDQGHW

RFK YLG LQJULSDQGH PRW HQ I|UVlNULQJVI|UPHGODUH VRP KDU EHVOXWDWV I|UH

LNUDIWWUlGDQGHW WLOOlPSDV lOGUH EHVWlPPHOVHU

s. 4 'HQQD ODJ WUlGHU L NUDIW GHQ PDUV Kontrollera mot PDF

%LODJD

5HPLVV

2014-06-11 Fi2014/2191

)LQDQVGHSDUWHPHQWHW

Finansmarknadsavdelningen

Anna-Karin Vinterhav

Telefon: 08-405 10 43

E-mail: anna-karin.vinterhav@regeringskansliet.se

'V 6WlUNW NRQVXPHQWVN\GG YLG I|UVlNULQJVI|UPHGOLQJ

5HPLVVLQVWDQVHU

1. Hovrätten för Nedre Norrland

2. Stockholms tingsrätt

3. Kammarrätten i Stockholm

4. Förvaltningsrätten i Stockholm

5. Justitiekanslern

6. Konsumentverket

7. Allmänna reklamationsnämnden

8. Arbetsgivarverket

9. Statens tjänstepensionsverk

10. Pensionsmyndigheten

11. Finansinspektionen

12. Konkurrensverket

13. Bolagsverket

14. Regelrådet

15. 2013 års värdepappersmarknadsutredning (Fi 2013:04)

16. Branschorganisationen för privatekonomiska förmedlings- och jämförelsetjänster

17. Finansförbundet

18. FTF – Facket för försäkring och finans

19. Fondbolagens Förening

20. Föreningen för god sed på värdepappersmarknaden

21. Företagarna

22. Konsumenternas Bank- och finansbyrå

23. Konsumenternas Försäkringsbyrå

24. Länsförsäkringsbolagens förening

25. Näringslivets regelnämnd

26. Juridiska fakultetsnämnden vid Stockholms universitet

27. Svenska Bankföreningen

28. Sveriges advokatsamfund

Postadress

Telefonväxel

E-post: registrator@finance.ministry.se

103 33 Stockholm

08-405 10 00

Besöksadress

Telefax

Telex

Drottninggatan 21

08-21 73 86

117 41 FINANS S

opaginerad 'HQQD ODJ WUlGHU L NUDIW GHQ PDUV Kontrollera mot PDF

%LODJD

2

29. Sveriges Aktiesparares Riksförbund

30. Svenska Fondhandlareföreningen

31. Svensk Försäkring

32. Svenska försäkringsföreningen

33. Svenska försäkringsförmedlares förening

34. Sveriges konsumenter

35. Sveriges Kommuner och Landsting

36. Svenskt Näringsliv

37. Utländska försäkringsbolags förening

38. Landsorganisationen i Sverige, LO

39. Sveriges Akademikers Centralorganisation, SACO

40. Tjänstemännens centralorganisation, TCO

41. InsureSec AB

42. Finansbolagens förening

43. SwedSec AB

44. Länsförsäkringar Sak Försäkrings AB

Remissvaren ska ha kommit in till Finansdepartementet, 103 33 Stockholm, senast den VHSWHPEHU . Svaren ska lämnas både skriftligen och per e- post till fi.registrator@regeringskansliet.se

0\QGLJKHWHU XQGHU UHJHULQJHQ är skyldiga att svara på remissen. En myndighet avgör dock på eget ansvar om den har några synpunkter att redovisa i ett svar. Om myndigheten inte har några synpunkter, räcker det att svaret ger besked om detta.

För DQGUD UHPLVVLQVWDQVHU innebär remissen en inbjudan att lämna synpunkter.

Råd om hur remissyttranden utformas finns i Statsrådsberedningens promemoria 6YDUD Sn UHPLVV ² KXU RFK YDUI|U (SB PM 2003:2). Den kan laddas ner från Regeringskansliets webbplats www.regeringen.se.

Göran Haag rättschef

Kopia till

Fritzes kundservice, 106 47 Stockholm

Riksdagens utredningstjänst

Finansutskottet

Registrator, Finansdepartementet

opaginerad %LODJD Kontrollera mot PDF

%LODJD

6DPPDQIDWWQLQJ L EHWlQNDQGHW 9lUGHSDSSHUVPDUNQDGHQ 0L),' ,, RFK 0L),5 628

(XURSDSDUODPHQWHW RFK UnGHW DQWRJ L PDM HWW GLUHNWLY 0L),' ,, RFK HQ I|URUGQLQJ 0L),5 RP PDUNQDGHU I|U ILQDQVLHOOD LQVWUXPHQW VH ELODJRUQD RFK 5lWWVDNWHUQD HUVlWWHU nUV 0L),'

0L),' ,, RFK 0L),5 LQQHKnOOHU HQ UDG UHJOHU IUlPVW I|U YlUGH SDSSHUVI|UHWDJ RFK UHJOHUDGH PDUNQDGHU 'H Q\D UlWWVDNWHUQD LQQHElU GHOV DWW HQ VWRU GHO DY UHJOHUQD L nUV GLUHNWLY |YHUI|UV PHU HOOHU PLQGUH RI|UlQGUDGH WLOO 0L),' ,, GHOV DWW GHW LQI|UV Q\D UHJOHU HOOHU UHJOHU VRP lU PHU XWI|UOLJD lQ PRWVYDUDQGH UHJOHU L nUV GLUHNWLY 9LVVD DY UHJOHUQD L nUV GLUHNWLY ± W H[ UHJOHUQD RP WUDQVSDUHQV ± ILQQV QXPHUD L 0L),5 , GHQQD I|URUGQLQJ ILQQV lYHQ KHOW Q\D UHJOHU

8WUHGQLQJHQV KXYXGXSSJLIW KDU YDULW DWW DQDO\VHUD YLOND lQGULQJDU VRP NUlYV L GHQ QXYDUDQGH VYHQVND UHJOHULQJHQ I|U DWW JHQRPI|UD GH Q\D UlWWVDNWHUQD 9LGDUH KDU GHW L XSSGUDJHW LQJnWW DWW VH |YHU YLVVD IUnJRU VRP U|U ILQDQVLHOO UnGJLYQLQJ VRP L GDJ LQWH RPIDWWDV DY WLOOVWnQGVSOLNW RFK QlULQJVUlWWVOLJ UHJOHULQJ |YHUYlJD RP lYHQ VnGDQ UnGJLYQLQJ E|U RPIDWWDV DY WLOOVWnQGVSOLNW RFK QlULQJVUlWWVOLJ UHJOHULQJ RFK L VnGDQW IDOO XWDUEHWD Q|GYlQGLJD ODJI|UVODJ

(IWHU HQ LQOHGQLQJ GlU I|UXWVlWWQLQJDUQD I|U XWUHGQLQJVDUEHWHW RFK DUEHWHWV EHGULYDQGH EHVNULYV NDSLWHO UHGRJ|U XWUHGQLQJHQ I|U EDNJUXQGHQ WLOO GH Q\D UlWWVDNWHUQD YLOND SUHVHQWHUDV L NRUWKHW NDSLWHO 'lUHIWHU I|OMHU HWW NDSLWHO PHG QnJUD DOOPlQQD XWJnQJVSXQNWHU NDSLWHO )|UVODJVGHOHQ DY EHWlQNDQGHW RPIDWWDU NDSLWOHQ ± , GHW I|OMDQGH UHGRYLVDU XWUHGQLQJHQ GH YLNWLJDVWH I|UVODJHQ L GH ROLND NDSLWOHQ

7LOOlPSQLQJVRPUnGHW P P NDSLWHO

0L),' ,, RFK 0L),5 lU OLNVRP nUV GLUHNWLY WLOOlPSOLJD Sn YLVVD WMlQVWHU RFK YHUNVDPKHWHU DYVHHQGH ILQDQVLHOOD LQVWUXPHQW 'HW lU DOOWVn QlU WMlQVWHU RFK YHUNVDPKHWHU U|U ILQDQVLHOOD LQVWUXPHQW VRP GH lU WLOOVWnQGVSOLNWLJD RFK VND EHGULYDV HQOLJW UHJOHUQD L 0L),' ,, RFK 0L),5 'HILQLWLRQHQ DY EHJUHSSHW ILQDQVLHOOD LQVWUXPHQW lU WLOO |YHUYlJDQGH GHO GHQVDPPD L 0L),' ,, VRP L nUV GLUHNWLY (Q Q\KHW lU DWW XWVOlSSVUlWWHU lU ILQDQVLHOOD LQVWUXPHQW HQOLJW 0L),' ,, RFK XWUHGQLQJHQ I|UHVOnU DWW GH VYHQVND UHJOHUQD lQGUDV Vn DWW GHWWD IUDPJnU DY ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ bYHQ GH WLOOVWnQGVSOLNWLJD

(XURSDSDUODPHQWHW RFK UnGHWV GLUHNWLY (8 DY GHQ PDM RP PDUNQDGHU I|U ILQDQVLHOOD LQVWUXPHQW RFK RP lQGULQJ DY GLUHNWLY (* RFK DY GLUHNWLY (8 (XURSDSDUODPHQWHW RFK UnGHWV I|URUGQLQJ (8 QU DY GHQ PDM RP PDUN QDGHU I|U ILQDQVLHOOD LQVWUXPHQW RFK RP lQGULQJ DY I|URUGQLQJ (8 QU (XURSDSDUODPHQWHW RFK UnGHWV GLUHNWLY (* DY GHQ DSULO RP PDUNQDGHU I|U ILQDQVLHOOD LQVWUXPHQW RFK RP lQGULQJ DY UnGHWV GLUHNWLY ((* RFK ((* RFK (XURSDSDUODPHQWHW RFK UnGHWV GLUHNWLY (* VDPW XSSKlYDQGH DY UnGHWV GLUHNWLY ((*

opaginerad 9lUGHSDSSHUVPDUNQDGHQV LQIUDVWUXNWXU NDSLWHO Kontrollera mot PDF

LQYHVWHULQJVWMlQVWHUQD RFK LQYHVWHULQJVYHUNVDPKHWHUQD lU KXYXGVDNOLJHQ %LODJD GHVDPPD L 0L),' ,, RFK L nUV GLUHNWLY 8WUHGQLQJHQ I|UHVOnU GRFN

YLVVD MXVWHULQJDU DY KXU WMlQVWHUQD RFK YHUNVDPKHWHUQD EHQlPQV RFK GHILQLHUDV L ODJWH[WHQ I|U DWW nVWDGNRPPD HWW PHU GLUHNWLYQlUD JHQRPI|UDQGH (Q Q\KHW L VDN lU YHUNVDPKHWHQ GULIW DY 27) SODWWIRUP VRP lU HQ Q\ W\S DY KDQGHOVSODWV I|U ILQDQVLHOOD LQVWUXPHQW 8WUHGQLQJHQ I|UHVOnU DWW GHQQD YHUNVDPKHW WDV LQ VRP HQ Q\ WLOOVWnQGVSOLNWLJ LQYHVWHULQJVYHUNVDPKHW L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ

)OHUD DY UHJOHUQD L 0L),' ,, EO D IOHUWDOHW NXQGVN\GGVUHJOHU VND WLOOlPSDV lYHQ QlU HWW YlUGHSDSSHUVI|UHWDJ VlOMHU HOOHU OlPQDU UnG RP V N VWUXNWXUHUDGH LQVlWWQLQJDU VRP L VLJ LQWH lU ILQDQVLHOOD LQVWUXPHQW 8WUHGQLQJHQ I|UHVOnU DWW GHQQD XWYLGJQLQJ DY WLOOlPSQLQJVRPUnGHW RFNVn LQI|UV L VYHQVN UlWW

(QOLJW 0L),' ,, lU HQ UDG I|UHWDJ I|UHWHHOVHU RFK YHUNVDPKHWHU XQGDQ WDJQD IUnQ WLOOlPSQLQJVRPUnGHW 8QGDQWDJHQ lU L VWRUW VHWW GHVDPPD VRP L nUV GLUHNWLY PHG QnJUD PLQGUH VNLOOQDGHU H[HPSHOYLV L IUnJD RP YLVV YHUNVDPKHW DYVHHQGH UnYDUXGHULYDW RFK XWVOlSSVUlWWHU $Y 0L),' ,, IUDPJnU RFNVn DWW YlUGHSDSSHUVFHQWUDOHU ± VRP L VYHQVN UlWW EHQlPQV FHQWUDOD YlUGHSDSSHUVI|UYDUDUH ± VND YDUD XQGDQWDJQD 8WUHGQLQJHQ I|UH VOnU DWW XQGDQWDJHQ HQOLJW VYHQVN UlWW DQSDVVDV WLOO QlPQGD I|UlQGULQJDU

9lUGHSDSSHUVPDUNQDGHQV LQIUDVWUXNWXU NDSLWHO

0nQJD DY UHJOHUQD L 0L),' ,, RFK 0L),5 U|U YlUGHSDSSHUVPDUNQDGHQV LQIUDVWUXNWXU GYV YLOND ROLND W\SHU DY KDQGHOVSODWVHU UHJOHUDG PDUNQDG 07) SODWWIRUP RFK 27) SODWWIRUP VRP ILQQV KXU GH VND YDUD RUJDQLVHUDGH RFK KXU KDQGHOQ GlU RFK XWDQI|U KDQGHOVSODWVHUQD VND Jn WLOO 7LOO GHWWD RPUnGH K|U RFNVn IUnJRU RP WUDQVSDUHQV GYV RIIHQWOLJJ|UDQGH DY RUGHU RFK WUDQVDNWLRQHU NUDY Sn YlUGHSDSSHUVI|UHWDJ VRP lJQDU VLJ nW V N DOJRULWPLVN KDQGHO WUDQVDNWLRQVUDSSRUWHULQJ RFK SRVLWLRQVEHJUlQV QLQJDU YLG KDQGHOQ PHG UnYDUXGHULYDW RFK XWVOlSSVUlWWHU bYHQ GH Q\D GDWDUDSSRUWHULQJVWMlQVWHUQD XWJ|U HQ GHO DY YlUGHSDSSHUVPDUNQDGHQV LQIUDVWUXNWXU

6RP QlPQWV I|UHVOnU XWUHGQLQJHQ DWW GULIW DY HQ 27) SODWWIRUP WDV LQ VRP HQ Q\ WLOOVWnQGVSOLNWLJ LQYHVWHULQJVYHUNVDPKHW L ODJHQ 'lUXW|YHU I|UHVOnU XWUHGQLQJHQ YLVVD MXVWHULQJDU L GH VYHQVND GHILQLWLRQHUQD DY UHJOHUDG PDUNQDG RFK 07) SODWWIRUP I|U DWW nVWDGNRPPD HQ PHU GLUHNWLYQlUD UHJOHULQJ

0L),' ,, LQQHKnOOHU HQ UDG GHWDOMHUDGH UHJOHU I|U KDQGHOQ Sn UHJOHUDGH PDUNQDGHU 8WUHGQLQJHQ I|UHVOnU DWW GH Q\D NUDYHQ L 0L),' ,, Sn V\QNURQLVHULQJ DY NORFNRU KDQGHOVV\VWHP PHG WLOOUlFNOLJ NDSDFLWHW RFK XWKnOOLJKHW VNULIWOLJD DYWDO RP PDUNQDGVJDUDQWYHUNVDPKHW WUDQVSDUHQWD

$NURQ\P I|U GHQ HQJHOVND WHUPHQ RUJDQLVHG WUDGLQJ IDFLOLW\ 27) VH GHILQLWLRQ L DUWLNHO L 0L),' ,, ,QOnQLQJ WLOO NUHGLWLQVWLWXW GlU UlQWDQ HOOHU DYNDVWQLQJHQ EHVWlPV DY HWW LQGH[ HWW HOOHU IOHUD ILQDQVLHOOD LQVWUXPHQW UnYDURU HOOHU HQ YDOXWDNXUV $NURQ\P I|U GHQ HQJHOVND WHUPHQ PXOWLODWHUDO WUDGLQJ IDFLOLW\ 07) VH GHILQLWLRQ L DUWLNHO L 0L),' ,,

s. 3 %LODJD Kontrollera mot PDF

%LODJD

RFK LFNH GLVNULPHUDQGH DYJLIWVWUXNWXUHU RFK UHJOHU RP VDPORNDOLVHULQJ

VDPW WLFN VL]H WDV LQ L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ 8WUHGQLQJHQ

I|UHVOnU RFNVn DWW UHJOHUQD RP KDQGHOVVWRSS RFK DYI|UDQGH DY HWW

ILQDQVLHOOW LQVWUXPHQW IUnQ KDQGHO DQSDVVDV WLOO NUDYHQ L 0L),' ,, 'HWWD

LQQHElU DWW GHW L ODJHQ WDV LQ HQ XWWU\FNOLJ UHJHO RP YDG VRP JlOOHU YLG

KDQGHOVVWRSS RFK DYI|UDQGH VRP EHVOXWDV DY GHQ VRP GULYHU

KDQGHOVSODWVHQ RFK KXU GHWWD NRPPXQLFHUDV PHG )LQDQVLQVSHNWLRQHQ

)OHUWDOHW DY UHJOHUQD I|U UHJOHUDGH PDUNQDGHU VND RFNVn JlOOD I|U 07)

RFK 27) SODWWIRUPDU 8WUHGQLQJHQ I|UHVOnU YLGDUH DWW HQ 07) SODWWIRUP VND

NXQQD UHJLVWUHUDV VRP HQ WLOOYl[WPDUNQDG I|U VPn RFK PHGHOVWRUD I|UHWDJ

GYV I|UHWDJ VRP KDU HWW JHQRPVQLWWOLJW E|UVYlUGH VRP XQGHUVWLJHU

PLOMRQHU HXUR (Q VnGDQ UHJLVWUHULQJ LQQHElU YLVVD OlWWQDGHU L NUDYHQ I|U

XSSWDJDQGH WLOO KDQGHO RFK I|U LQIRUPDWLRQ RP HPLWWHQWHUQD

)OHUD UHJOHU L GHQ GLUHNWYHUNDQGH I|URUGQLQJHQ 0L),5 VDNQDU

PRWVYDULJKHW L VYHQVN UlWW 'HWWD JlOOHU W H[ NUDYHQ DWW KDQGOD GHULYDW

LQVWUXPHQW Sn HQ PDUNQDGVSODWV YLVVD UHJOHU RP FHQWUDOD PRWSDUWHU I|U

FOHDULQJ UHJOHU RP UHIHUHQVYlUGHQ RFK VN\OGLJKHWHQ I|U YlUGH

SDSSHUVI|UHWDJ DWW KDQGOD DNWLHU Sn HQ KDQGHOVSODWV 'HVVD UHJOHU

I|UDQOHGHU LQJD ODJlQGULQJDU

5HJOHUQD RP WUDQVSDUHQV GYV NUDYHQ Sn DWW RIIHQWOLJJ|UD RUGHU RFK

WUDQVDNWLRQHU DYVHHQGH ILQDQVLHOOD LQVWUXPHQW ILQQV L 0L),5 'HWVDPPD

JlOOHU UHJOHUQD RP GRNXPHQWDWLRQ DY RUGHU RFK WUDQVDNWLRQHU VDPW

UDSSRUWHULQJ DY WUDQVDNWLRQHU WLOO GHQ EHK|ULJD P\QGLJKHWHQ bYHQ

UHJOHUQD RP V\VWHPDWLVND LQWHUQKDQGODUH GYV YlUGHSDSSHUVI|UHWDJ VRP

V\VWHPDWLVNW JHQRPI|U NXQGHUV RUGHU XWDQI|U HQ KDQGHOVSODWV PRW GHW

HJQD ODJUHW ILQQV QXPHUD L 0L),5 8WUHGQLQJHQ I|UHVOnU PHG DQOHGQLQJ DY

GHWWD DWW QXYDUDQGH EHVWlPPHOVHU RP WUDQVSDUHQV GRNXPHQWDWLRQ DY RUGHU

RFK WUDQVDNWLRQHU WUDQVDNWLRQVUDSSRUWHULQJ VDPW RP V\VWHPDWLVND

LQWHUQKDQGODUH XWP|QVWUDV XU ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ

, 0L),' ,, ILQQV L I|UKnOODQGH WLOO nUV GLUHNWLY Q\D UHJOHU RP

JUlQVHU I|U KDQWHULQJ DY RFK UDSSRUWHULQJ DY SRVLWLRQHU L UnYDUXGHULYDW

RFK XWVOlSSVUlWWHU P P 8WUHGQLQJHQ I|UHVOnU DWW GHW L ODJHQ RP

YlUGHSDSSHUVPDUNQDGHQ WDV LQ UHJOHU RP DWW )LQDQVLQVSHNWLRQHQ VND

IDVWVWlOOD NYDQWLWDWLYD WU|VNODU I|U KXU VWRUD SRVLWLRQHU L UnYDUXGHULYDW HQ

HQVNLOG SHUVRQ HOOHU HWW HQVNLOW I|UHWDJ NDQ KD 'HQ VRP GULYHU HQ

KDQGHOVSODWV VND |YHUYDND GH SRVLWLRQHU L UnYDUXGHULYDW VRP SHUVRQHU HOOHU

I|UHWDJ KDU VDPW NXQQD WYLQJD IUDP HQ VWlQJQLQJ HOOHU PLQVNQLQJ DY HQ

SRVLWLRQ RFK lYHQ NXQQD WYLQJD GHQ VRP KDU HQ VWRU HOOHU GRPLQHUDQGH

SRVLWLRQ DWW WLOOKDQGDKnOOD OLNYLGLWHW WLOOEDND WLOO PDUNQDGHQ 9LGDUH VND GHQ

VRP GULYHU HQ KDQGHOVSODWV GlU GHW KDQGODV UnYDUXGHULYDW XWVOlSSVUlWWHU HOOHU

GHULYDWLQVWUXPHQW DYVHHQGH XWVOlSSVUlWWHU YHFNRYLV SXEOLFHUD HQ UDSSRUW

|YHU SRVLWLRQHU L GH DNWXHOOD ILQDQVLHOOD LQVWUXPHQWHQ 'HQ VRP GULYHU

KDQGHOVSODWVHQ VND RFNVn WLOO )LQDQVLQVSHNWLRQHQ GDJOLJHQ WLOOKDQGDKnOOD

PHU GHWDOMHUDG LQIRUPDWLRQ GlU SRVLWLRQHUQD SHU LQQHKDYDUH IUDPJnU

*HQRP 0L),' ,, J|UV HQ UDG GDWDUDSSRUWHULQJVWMlQVWHU WLOOVWnQGV

SOLNWLJD 'HW U|U VLJ RP DWW WLOOKDQGDKnOOD HWW ´JRGNlQW SXEOLFHULQJV

DUUDQJHPDQJ´ $3$ DWW YDUD ´WLOOKDQGDKnOODUH DY NRQVROLGHUDG KDQGHOV

LQIRUPDWLRQ´ &73 RFK DWW WLOOKDQGDKnOOD HQ ´JRGNlQG UDSSRUWHULQJV

PHNDQLVP´ $50 0HG JRGNlQW SXEOLFHULQJVDUUDQJHPDQJ $3$ DYVHV

DWW QnJRQ I|U HWW YlUGHSDSSHUVI|UHWDJV UlNQLQJ RIIHQWOLJJ|U WUDQVDNWLRQHU

s. 4 %LODJD Kontrollera mot PDF

L HQOLJKHW PHG WUDQVSDUHQVUHJOHUQD L 0,),5 (Q WLOOKDQGDKnOODUH DY %LODJD NRQVROLGHUDG KDQGHOVLQIRUPDWLRQ &73 WLOOKDQGDKnOOHU HQ VDPODG ELOG DY WUDQVDNWLRQHU IUnQ IOHUD ROLND KDQGHOVSODWVHU RFK DNW|UHU YLONHW XQGHUOlWWDU I|U PDUNQDGVDNW|UHU DWW In WLOOJnQJ WLOO UHOHYDQW LQIRUPDWLRQ

(Q JRGNlQG UDSSRUWHULQJVPHNDQLVP $50 VOXWOLJHQ UDSSRUWHUDU I|U HWW YlUGHSDSSHUVI|UHWDJV UlNQLQJ WUDQVDNWLRQHU WLOO EHK|ULJD P\QGLJKHWHU HOOHU (XURSHLVND YlUGHSDSSHUV RFK PDUNQDGVP\QGLJKHWHQ (VPD 'HW lU KXYXGVDNOLJHQ WUDQVDNWLRQVUDSSRUWHULQJ HQOLJW 0L),5 VRP DYVHV )|UXWVlWWQLQJDUQD I|U WLOOVWnQG RFK YDG VRP NUlYV DY HWW I|UHWDJ PHG WLOOVWnQG OLNQDU GH I|UXWVlWWQLQJDU RFK NUDY VRP JlOOHU I|U YlUGHSDSSHUV I|UHWDJ 8WUHGQLQJHQ I|UHVOnU DWW EHVWlPPHOVHU RP GHWWD WDV LQ L HWW HJHW NDSLWHO L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ

, 0L),' ,, ILQQV HQ UDG UHJOHU VRP U|U DOJRULWPLVN KDQGHO RFK DOJRULWPLVN K|JIUHNYHQVKDQGHO 5HJOHUQD V\IWDU WLOO DWW NRPPD WLOO UlWWD PHG GH ULVNHU RFK SUREOHP VRP lU I|UNQLSSDGH PHG GHQQD W\S DY YHUNVDPKHW 5HJOHUQD L 0L),' ,, ULNWDU VLJ PRW EnGH YlUGHSDSSHUVI|UH WDJHQV HJHQ KDQGHO RFK PRW I|UHWDJHQV KDQGHO I|U NXQGHUV UlNQLQJ 5HJOHUQD lU ´Q\D´ L GHQ EHPlUNHOVHQ DWW GHW LQWH WLGLJDUH KDU IXQQLWV ELQGDQGH UHJOHU Sn RPUnGHW L QnJRW GLUHNWLY HOOHU L QnJRQ I|URUGQLQJ 8WUHGQLQJHQ I|UHVOnU DWW HWW YlUGHSDSSHUVLQVWLWXW VRP VMlOYW lJQDU VLJ nW DOJRULWPLVN KDQGHO L HQOLJKHW PHG NUDYHQ L 0L),' ,, VND KD HIIHNWLYD V\VWHP RFK ULVNNRQWUROOHU VRP VlNHUVWlOOHU DWW LQVWLWXWHWV KDQGHOVV\VWHP lU PRWVWnQGVNUDIWLJW RFK KDU WLOOUlFNOLJ NDSDFLWHW 'HW VND L V\VWHPHW ILQQDV HUIRUGHUOLJD WU|VNODU JUlQVHU RFK ILOWHU I|U DWW I|UKLQGUD IHODNWLJD RUGHU RFK I|U DWW I|UKLQGUD DWW V\VWHPHW IXQJHUDU Sn HWW VlWW VRP VNDSDU RUHGD Sn PDUNQDGHQ )|UHWDJHW VND RFNVn KD HIIHNWLYD V\VWHP RFK NRQWUROOHU VRP VlNHUVWlOOHU DWW DOJRULWPKDQGHOQ LQWH DQYlQGV I|U PDUNQDGVPLVVEUXN HOOHU I|U DWW EU\WD PRW KDQGHOVUHJOHU Sn GHQ KDQGHOVSODWV GlU KDQGHOQ VNHU )|UHWDJHW L IUnJD VND KD NRQWLQXLWHWVDUUDQJHPDQJ VRP NDQ KDQWHUD V\VWHPKDYHULHU )|UHWDJHQ VND GlUXW|YHU XQGHUUlWWD GHQ EHK|ULJD P\QGLJKHW RFK GHQ KDQGHOVSODWV GlU KDQGHOQ lJHU UXP RP VLQD DUUDQJHPDQJ L GHVVD DYVHHQGHQ 'HQ EHK|ULJD P\QGLJKHWHQ NDQ NUlYD DWW YlUGHSDSSHUVI|UHWDJHW ± UHJHOEXQGHW HOOHU DG KRF ± WLOOKDQGDKnOOHU HQ EHVNULYQLQJ DY I|UHWDJHWV VWUDWHJLHU I|U DOJRULWPLVN KDQGHO LQIRUPDWLRQ RP YLOND SDUDPHWUDU RFK JUlQVHU VRP DQYlQGV RFK YLOND NRQWUROOHU I|UHWDJHW KDU I|U DWW VlNHUVWlOOD HIWHUOHYQDGHQ DY UHJOHUQD bYHQ RP HWW YlUGHSDSSHUVI|UHWDJ LQWH VMlOYW lJQDU VLJ nW DOJRULWPLVN KDQGHO NDQ I|UHWDJHW KD NXQGHU VRP J|U GHW W H[ JHQRP DWW NXQGHUQD DQYlQGHU V N GLUHNW HOHNWURQLVNW WLOOWUlGH $Y GHQQD DQOHGQLQJ ILQQV L 0L),' ,, EHVWlP PHOVHU RP NRQWUROOHU RFK DQVYDU I|U YlUGHSDSSHUVI|UHWDJ VRP WLOOKDQGD KnOOHU GLUHNW HOHNWURQLVNW WLOOWUlGH 8WUHGQLQJHQ I|UHVOnU DWW GHW L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ WDV LQ UHJOHU RP DWW HWW VnGDQW I|UHWDJ VND KD HIIHNWLYD V\VWHP RFK NRQWUROOHU I|U DWW VlNHUVWlOOD HQ RUGHQWOLJ XWYlUGHULQJ DY DWW GH NXQGHU VRP WMlQVWHQ WLOOKDQGDKnOOV nW lU OlPSOLJD 'HW VND ILQQDV KDQGHOV RFK NUHGLWOLPLWHU VRP NXQGHUQD LQWH VND NXQQD |YHUVNULGD RFK KDQGHOQ VND |YHUYDNDV Vn DWW I|UHWDJHW NDQ I|UKLQGUD DWW KDQGHOQ VNDSDU ULVNHU I|U I|UHWDJHW VMlOYW DWW KDQGHOQ VNDSDU RUHGD Sn PDUNQDGHQ HOOHU VWULGHU PRW EHVWlPPHOVHUQD L PDUNQDGVPLVVEUXNVI|URUG QLQJHQ (XURSDSDUODPHQWHWV RFK UnGHWV I|URUGQLQJ >(8@ )|UHWDJHW VND RFNVn VH WLOO DWW GHW ILQQV HWW VNULIWOLJW DYWDO VRP NODUJ|U

s. 5 %LODJD Kontrollera mot PDF

%LODJD

NXQGHQV RFK I|UHWDJHWV UHVSHNWLYH UlWWLJKHWHU RFK VN\OGLJKHWHU bYHQ

I|UHWDJ VRP WLOOKDQGDKnOOHU GLUHNW HOHNWURQLVNW WLOOWUlGH VND XQGHUUlWWD VLQ

EHK|ULJD P\QGLJKHW VDPW GHQ EHU|UGD KDQGHOVSODWVHQ RP GHWWD 'HQ

EHK|ULJD P\QGLJKHWHQ NDQ NUlYD DWW I|UHWDJHW UHJHOEXQGHW HOOHU DG KRF

WLOOKDQGDKnOOHU HQ EHVNULYQLQJ DY GH V\VWHP RFK NRQWUROOHU DYVHHQGH

GLUHNW HOHNWURQLVNW WLOOWUlGH VRP I|UHWDJHW KDU

(Q HQKHWOLJ UHJOHULQJ DY ILQDQVLHOO UnGJLYQLQJ RFK LQYHVWHULQJVUnGJLYQLQJ NDSLWHO

0L),' ,, LQQHKnOOHU HQ UDG UHJOHU VRP V\IWDU WLOO DWW VN\GGD NXQGHUQD 5HJOHUQD L GLUHNWLYHW ULNWDU VLJ GRFN HQEDUW PRW YlUGHSDSSHUVI|UHWDJ RFK EHKDQGODV L NDSLWOHQ RFK , NDSLWHO EHKDQGODV GHQ QDWLRQHOOD IUnJDQ RP GHW JnU DWW nVWDGNRPPD HQ HQKHWOLJ UHJOHULQJ I|U DOOD RDYVHWW I|UHWDJVW\S VRP WLOO NRQVXPHQWHU WLOOKDQGDKnOOHU UnGJLYQLQJ U|UDQGH SODFHULQJDU 'HQ KXYXGVDNOLJD UHJOHULQJHQ DY GHQQD W\S DY UnGJLYQLQJ ILQQV L ODJHQ RP ILQDQVLHOO UnGJLYQLQJ WLOO NRQVXPHQWHU UnGJLYQLQJVODJHQ RFK L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ 0HQ YHUNVDPKHW VRP L VLJ NDQ LQQHKnOOD PRPHQW DY UnGJLYQLQJ UHJOHUDV lYHQ L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ ODJHQ RP I|UVlNULQJVU|UHOVH ODJHQ RP YlUGHSDSSHUVIRQGHU RFK ODJHQ RP I|UYDOWDUH DY DOWHUQDWLYD LQYHVWHULQJVIRQGHU 5HJOHUQD lU P\FNHW OLND RFK KDU VDPPD NRQVXPHQWVN\GGDQGH V\IWH 8WUHGQLQJHQ I|UHVOnU DWW PDQ WDU VWHJHW IXOOW XW Vn DWW UHJOHUQD LQWH EDUD EOLU OLND XWDQ H[DNW GHVDPPD 8WUHGQLQJHQ I|UVOnU GlUI|U DWW GHW L ODJVWLIWQLQJHQ I|U UHVSHNWLYH I|UHWDJVW\S LQI|UV HQ EHVWlPPHOVH RP DWW UHJOHUQD RP UnGJLYQLQJ L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ VND WLOOlPSDV QlU I|UHWDJHW L IUnJD WLOOKDQGDKnOOHU UnGJLYQLQJ WLOO NRQVXPHQWHU

5HJOHU RP HUVlWWQLQJDU WLOO HOOHU IUnQ WUHGMHSDUW NDSLWHO

, 0L),' ,, ILQQV HQ PLQLPLUHJHO RP HUVlWWQLQJDU IUnQ WUHGMHSDUW WLOO REHURHQGH UnGJLYDUH RFK SRUWI|OMI|UYDOWDUH 2P LQVWLWXWHW KDU LQIRUPHUDW NXQGHQ RP DWW UnGJLYQLQJHQ lU REHURHQGH InU LQVWLWXWHW LQWH WD HPRW RFK EHKnOOD HUVlWWQLQJDU IUnQ QnJRQ WUHGMHSDUW RFK LQVWLWXWHW PnVWH L VLQ UnGJLYQLQJ XWJn IUnQ IOHUD ROLND SURGXNWHU IUnQ DQGUD HPLWWHQWHU RFK SURGXFHQWHU lQ LQVWLWXWHW VMlOYW HOOHU QlUVWnHQGH I|UHWDJ ,QWH KHOOHU HQ SRUWI|OMI|UYDOWDUH InU HQOLJW PLQLPLUHJHOQ WD HPRW RFK EHKnOOD HUVlWW QLQJDU IUnQ WUHGMHSDUW 2P HQ REHURHQGH UnGJLYDUH HOOHU HQ SRUWI|OMI|U YDOWDUH WDU HPRW HUVlWWQLQJ IUnQ HQ WUHGMHSDUW PnVWH UnGJLYDUHQ I|UYDOWDUHQ EHWDOD XW HUVlWWQLQJHQ WLOO NXQGHQ 'HQQD UHJHO PnVWH YLONHW XWUHGQLQJHQ RFNVn I|UHVOnU LQI|UDV L VYHQVN UlWW (QOLJW XWUHGQLQJHQV XSSIDWWQLQJ VNXOOH HPHOOHUWLG HQEDUW PLQLPLUHJHOQ LQWH nWJlUGD SUREOHPHQ PHG SURYLVLRQHU (UVlWWQLQJDU IUnQ WUHGMHSDUW KDU L )LQDQVLQVSHNWLRQHQV WLOOV\Q YLVDW VLJ OHGD WLOO LQWUHVVHNRQIOLNWHU RFK DWW UnGJLYDUH VlWWHU VLQD HJQD LQWUHVVHQ DWW In K|JD SURYLVLRQHU IUDPI|U NXQGHQV LQWUHVVHQ 0LQLPLUHJHOQ VNXOOH LQWH OHGD WLOO HQ WLOOUlFNOLJ I|UVWlUNQLQJ DY NRQVXPHQWVN\GGHW

s. 6 gYULJD LQYHVWHUDUVN\GGV RFK U|UHOVHUHJOHU NDSLWHO Kontrollera mot PDF

8WUHGQLQJHQ I|UHVOnU GlUI|U DWW 6YHULJH DQYlQGHU VLJ DY P|MOLJKHWHQ DWW %LODJD Jn OlQJUH lQ PLQLPLUHJHOQ RFK VWUlFNHU XW I|UEXGHW PRW DWW WD HPRW HUVlWWQLQJDU IUnQ WUHGMHSDUW WLOO DWW JlOOD DOO UnGJLYQLQJ REHURHQGH HOOHU

LQWH WLOO LFNH SURIHVVLRQHOOD NXQGHU 'HWVDPPD E|U JlOOD I|U SRUWI|OMI|UYDOWQLQJ VRP WLOOKDQGDKnOOV WLOO LFNH SURIHVVLRQHOOD NXQGHU 8WUHGQLQJHQ I|UHVOnU DWW I|UEXGHW XWIRUPDV Vn DWW HUVlWWQLQJDU IUnQ WUHGMHSDUW VRP NDQ SnYHUND NXQGHUQDV LQWUHVVH QHJDWLYW VND YDUD I|UEMXGQD RFK DWW )LQDQVLQVSHNWLRQHQ JHV UlWW DWW QlUPDUH I|UHVNULYD YLOND HUVlWWQLQJDU GHW NDQ YDUD IUnJD RP (WW VnGDQW SURYLVLRQVI|UEXG NDQ XWIRUPDV Vn DWW GHW WUlIIDU MXVW VnGDQD SURYLVLRQHU VRP LQQHElU DWW NXQGHUQDV LQWUHVVHQ SnYHUNDV QHJDWLYW XWDQ DWW WUlIID VnGDQD SURYLVLRQHU VRP LQWH J|U GHW 6RP QlPQWV L I|UHJnHQGH DYVQLWW I|UHVOnU XWUHGQLQJHQ DWW VDPPD UHJOHU VND JlOOD DOOD UnGJLYDUH RDYVHWW I|UHWDJVW\S 'HW LQQHElU Sn SURYLVLRQVRPUnGHW DWW I|UEXGHW PRW DWW WD HPRW RFK EHKnOOD HUVlWWQLQJDU IUnQ WUHGMHSDUW VRP NDQ SnYHUND NXQGHQV LQWUHVVHQ QHJDWLYW RFNVn VND JlOOD I|U I|UVlNULQJVERODJ RFK I|UVlNULQJVI|UPHGODUH QlU HWW VnGDQW I|UH WDJ LQRP VLQ RUGLQDULH YHUNVDPKHW OlPQDU ILQDQVLHOO UnGJLYQLQJ WLOO NRQVXPHQWHU

8WUHGQLQJHQ I|UHVOnU RFNVn DWW 6YHULJH JnU OlQJUH lQ YDG GLUHNWLYHW NUlYHU QlU GHW JlOOHU NUDYHQ I|U DWW QnJRQ VND In NDOOD VLJ REHURHQGH UnGJLYDUH (QOLJW PLQLPLUHJHOQ InU HQ REHURHQGH UnGJLYDUH OlPQD UnG RP HJQD SURGXNWHU Vn OlQJH GHW L GHW SURGXNWXWEXG UnGJLYDUHQ KDU LQJnU HWW WLOOUlFNOLJW DQWDO H[WHUQD SURGXNWHU 8WUHGQLQJHQ I|UHVOnU DWW NUDYHW VNlUSV Vn DWW HQGDVW GHQ VRP HQEDUW OlPQDU UnG RP H[WHUQD SURGXNWHU InU NDOOD VLJ REHURHQGH UnGJLYDUH 'HVVD EHVWlPPHOVHU VND JlOOD RFNVn I|U I|UVlNULQJVERODJ RFK I|UVlNULQJVI|UPHGODUH

8W|YHU GH UHJOHU VRP JlOOHU VlUVNLOW I|U LQYHVWHULQJVUnGJLYQLQJ RFK SRUWI|OMI|UYDOWQLQJ ILQQV L 0L),' ,, JHQHUHOOD EHVWlPPHOVHU RP HUVlWWQLQJDU IUnQ WUHGMHSDUW VRP JlOOHU I|U DOOD LQYHVWHULQJVWMlQVWHU 5HJOHUQD LQQHElU DWW HWW YlUGHSDSSHUVI|UHWDJ QlU GHW XWI|U WMlQVWHU WLOO NXQGHU LQWH InU WD HPRW HUVlWWQLQJ IUnQ QnJRQ DQQDQ lQ NXQGHQ RP LQWH NXQGHQ KDU LQIRUPHUDWV RP HUVlWWQLQJHQ RFK HUVlWWQLQJHQ lU XWIRUPDG I|U DWW K|MD NYDOLWHWHQ Sn GHQ EHU|UGD WMlQVWHQ VDPW LQWH KLQGUDU LQVWLWXWHW IUnQ DWW XSSI\OOD VLQ VN\OGLJKHW DWW WLOOYDUDWD NXQGHQV LQWUHVVHQ 'HQQD UHJHO ILQQV VHGDQ WLGLJDUH L )LQDQVLQVSHNWLRQHQV I|UHVNULIWHU 8WUHGQLQJHQ I|UHVOnU DWW UHJHOQ WDV LQ L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ

gYULJD LQYHVWHUDUVN\GGV RFK U|UHOVHUHJOHU NDSLWHO

8W|YHU UHJOHUQD RP HUVlWWQLQJDU IUnQ WUHGMH SDUW LQQHKnOOHU 0L),' ,, HQ UDG VNlUSQLQJDU RFK Q\KHWHU Sn NXQGVN\GGVRPUnGHW 'HW JlOOHU EO D UHJOHUQD RP NRPSHWHQVNUDY OlPSOLJKHWVEHG|PQLQJDU LQIRUPDWLRQ RP OlPSOLJW UnG SDNHWHUDGH SURGXNWHU LQWUHVVHNRQIOLNWHU VDPW UHJOHU RP DWW WD IUDP RFK GLVWULEXHUD SURGXNWHU 'HVVD UHJOHU WLOOVDPPDQV PHG Q\D UHJOHU RP EDQGLQVSHOQLQJ RFK DQQDQ GRNXPHQWDWLRQ DY RUGHU EHKDQGODV L NDSLWHO

9lUGHSDSSHUVI|UHWDJHQ VND HQOLJW 0L),' ,, VlNHUVWlOOD DWW GH I\VLVND SHUVRQHU VRP OlPQDU LQYHVWHULQJVUnGJLYQLQJ VDPW GH I\VLVND SHUVRQHU VRP OlPQDU LQIRUPDWLRQ RP ILQDQVLHOOD LQVWUXPHQW LQYHVWHULQJVWMlQVWHU HOOHU VLGRWMlQVWHU KDU GHQ NXQVNDS RFK NRPSHWHQV VRP NUlYV I|U DWW

opaginerad %LODJD Kontrollera mot PDF

%LODJD

XSSI\OOD VLQD VN\OGLJKHWHU 'H NULWHULHU VRP DQYlQGV I|U DWW EHG|PD

NXQVNDS RFK NRPSHWHQV VND RIIHQWOLJJ|UDV 8WUHGQLQJHQ I|UHVOnU DWW HQ

EHVWlPPHOVH RP GHWWD WDV LQ L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ RFK DWW

)LQDQVLQVSHNWLRQHQ InU UlWW DWW OlPQD QlUPDUH I|UHVNLIWHU RP

NRPSHWHQVNUDYHQ

5HJOHUQD RP OlPSOLJKHWVEHG|PQLQJDU YLG LQYHVWHULQJVUnGJLYQLQJ RFK

SRUWI|OMI|UYDOWQLQJ lU L 0L),' ,, L VWRUW VHWW GHVDPPD VRP L nUV

GLUHNWLY 5HJOHUQD JnU XW Sn DWW I|UHWDJHQ VND LQKlPWD LQIRUPDWLRQ RP

NXQGHQV NXQVNDSHU RFK HUIDUHQKHW DY LQYHVWHULQJDU RP NXQGHQV

HNRQRPLVND VLWXDWLRQ RFK RP NXQGHQV PnO PHG LQYHVWHULQJHQ I|U DWW

VHGDQ PHG KMlOS DY GHQ LQKlPWDGH LQIRUPDWLRQHQ NXQQD OlPQD HWW

OlPSOLJW UnG HOOHU I|UHVOn HQ OlPSOLJ I|UYDOWQLQJVVWUDWHJL , 0L),' ,, KDU

UHJOHUQD XWYHFNODWV QnJRW Vn DWW GHW QlUPDUH DQJHV DWW LQIRUPDWLRQHQ RP

NXQGHQV HNRQRPLVND VLWXDWLRQ VND LQQHIDWWD NXQGHQV I|UPnJD DWW ElUD

I|UOXVWHU RFK LQIRUPDWLRQHQ RP NXQGHQV PnO PHG LQYHVWHULQJHQ VND

LQQHIDWWD NXQGHQV ULVNWROHUDQV RFK OlPSOLJKHWHQ VND EHG|PDV VlUVNLOW L

I|UKnOODQGH WLOO GHWWD RFK NXQGHQV I|UPnJD DWW ElUD I|UOXVWHU 'lUXW|YHU

ILQQV HQ Q\ EHVWlPPHOVH RP DWW I|UHWDJ VRP OlPQDU UHNRPPHQGDWLRQHU

RP HWW SDNHW DY NRPELQHUDGH WMlQVWHU RFK SURGXNWHU ± W H[ HQ LQYHVWHULQJ

WLOOVDPPDQV PHG HQ NUHGLW ± L VLQ OlPSOLJKHWVEHG|PQLQJ VND EHDNWD RP

SDNHWHW VRP KHOKHW lU OlPSOLJW (Q DQQDQ Q\KHW MlPI|UW PHG nUV

GLUHNWLY lU DWW HWW YlUGHSDSSHUVI|UHWDJ VND LQIRUPHUD NXQGHQ RP KXUXYLGD

I|UHWDJHW UHJHOEXQGHW NRPPHU DWW EHG|PD OlPSOLJKHWHQ DYVHHQGH GH

ILQDQVLHOOD LQVWUXPHQW VRP KDU UHNRPPHQGHUDWV <WWHUOLJDUH HQ Q\

EHVWlPPHOVH L I|UKnOODQGH WLOO nUV GLUHNWLY lU DWW HWW YlUGHSDSSHUV

I|UHWDJ VRP WLOOKDQGDKnOOHU LQYHVWHULQJVUnGJLYQLQJ VND XSSO\VD NXQGHQ

RP YDUI|U GHW UnG VRP I|UHWDJHW OlPQDU lU OlPSOLJW 8SSO\VQLQJHQ VND

OlPQDV L VNULIWOLJ IRUP LQQDQ GHQ WUDQVDNWLRQ VRP I|UHWDJHW I|UHVOnU lJHU

UXP RFK GHQ VND DQJH Sn YLONHW VlWW UnGHW XSSI\OOHU NXQGHQV EHKRY

SUHIHUHQVHU RFK DQGUD NDUDNWHULVWLND 8WUHGQLQJHQ I|UHVOnU DWW

EHVWlPPHOVHUQD L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ lQGUDV Vn DWW GH

LQQHIDWWDU GH Q\D NUDYHQ

3n RPUnGHW LQWUHVVHNRQIOLNWHU I|UVOnU XWUHGQLQJHQ DWW GH QXYDUDQGH

UHJOHUQD RP LQWUHVVHNRQIOLNWHU L HQOLJKHW PHG V\VWHPDWLNHQ L GLUHNWLYHW

GHODV XSS L HQ UHJHO PHG NUDY Sn I|UHWDJHQV RUJDQLVDWLRQ RFK HQ DQQDQ

PHG NUDY Sn DWW LGHQWLILHUD I|UHE\JJD RFK KDQWHUD LQWUHVVHNRQIOLNWHU VDPW

L YLVVD IDOO OlPQD LQIRUPDWLRQ WLOO NXQGHUQD (Q VnGDQ XSSGHOQLQJ

XQGHUOlWWDU WRONQLQJHQ RFK WLOOlPSQLQJHQ DY UHJOHUQD 8WUHGQLQJHQ

I|UHVOnU RFNVn DWW I|UHWDJHQ VND OlPQD LQIRUPDWLRQ WLOO NXQGHUQD RP

LQWUHVVHNRQIOLNWHU Sn HWW YDUDNWLJW PHGLXP RFK LQIRUPDWLRQHQ VND YDUD

WLOOUlFNOLJW GHWDOMHUDG Vn DWW NXQGHQ NDQ IDWWD HWW YlOJUXQGDW EHVOXW QlU GHW

JlOOHU GHQ LQYHVWHULQJVWMlQVW HOOHU VLGRWMlQVW GlU LQWUHVVHNRQIOLNWHQ XSSVWnU

8WUHGQLQJHQ I|UHVOnU lYHQ DWW ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ

NRPSOHWWHUDV PHG HQ EHVWlPPHOVH RP DWW YlUGHSDSSHUVLQVWLWXW LQWH VND

EHO|QD HOOHU EHG|PD VLQ SHUVRQDO Sn HWW VlWW VRP NRPPHU L NRQIOLNW PHG

I|UHWDJHWV VN\OGLJKHW DWW LDNWWD NXQGHUQDV LQWUHVVHQ ,QVWLWXWHQ VND L

V\QQHUKHW XQGYLND EHO|QLQJVV\VWHP VRP NDQ OHGD WLOO DWW SHUVRQDOHQ

UHNRPPHQGHUDU HWW YLVVW ILQDQVLHOOW LQVWUXPHQW WLOO HQ LFNH SURIHVVLRQHOO

NXQG QlU I|UHWDJHW ERUGH KD I|UHVODJLW HWW DQQDW LQVWUXPHQW VRP ElWWUH

KDGH PRWVYDUDW NXQGHQV EHKRY

opaginerad %LODJD Kontrollera mot PDF

, 0L),' ,, UHJOHUDV GHQ VLWXDWLRQHQ DWW YlUGHSDSSHUVI|UHWDJ WLOO KDQGDKnOOHU HQ SDNHWO|VQLQJ VRP EHVWnU DY HQ LQYHVWHULQJVWMlQVW WLOOVDPPDQV PHG HQ DQQDQ WMlQVW HOOHU SURGXNW HOOHU DWW WLOOKDQGDKnOODQGHW DY HQ WMlQVW HOOHU SURGXNW lU HQ I|UXWVlWWQLQJ I|U HQ DQQDQ WMlQVW HOOHU SURGXNW (WW H[HPSHO Sn HWW VnGDQW ´SDNHW´ VNXOOH NXQQD YDUD DWW HWW YlUGHSDSSHUVLQVWLWXW WLOOKDQGDKnOOHU HQ GHSnWMlQVW I|UYDULQJ DY ILQDQVLHOOD LQVWUXPHQW WLOOVDPPDQV PHG HQ GHSnNUHGLW NUHGLWJLYQLQJ 8WUHGQLQJHQ I|UHVOnU DWW GHW L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ WDV LQ HQ EHVWlPPHOVH RP DWW YlUGHSDSSHUVLQVWLWXW VRP WLOOKDQGDKnOOHU HQ SDNHWO|VQLQJ VRP EHVWnU DY HQ LQYHVWHULQJVWMlQVW WLOOVDPPDQV PHG HQ DQQDQ WMlQVW HOOHU SURGXNW HOOHU L DWW WLOOKDQGDKnOODQGHW DY HQ WMlQVW HOOHU SURGXNW lU HQ I|UXWVlWWQLQJ I|U HQ DQQDQ SURGXNW HOOHU WMlQVW VND LQIRUPHUD NXQGHQ RP KXUXYLGD GHW lU P|MOLJW DWW N|SD GH ROLND NRPSRQHQWHUQD L SDNHWHW YDU I|U VLJ RFK RP NRVWQDGHUQD I|U YDU RFK HQ DY NRPSRQHQWHUQD )|U GHW IDOO DWW SDNHWHW L VLJ LQQHElU HQ I|UK|MG ULVN MlPI|UW PHG RP GH ROLND NRPSRQHQWHUQD WLOOKDQGDKnOOLWV YDU I|U VLJ VND LQVWLWXWHW LQIRUPHUD NXQGHQ RP KXU GH ROLND NRPSRQHQWHUQD SnYHUNDU ULVNQLYnQ

, 0L),' ,, VWlOOV NUDY Sn DWW YlUGHSDSSHUVI|UHWDJHQ VND KD HQ SURFHVV I|U JRGNlQQDQGH DY ILQDQVLHOOD LQVWUXPHQW VRP WDV IUDP I|U I|UVlOMQLQJ WLOO I|UHWDJHWV NXQGHU 3URFHVVHQ VND YDUD XWIRUPDG Vn DWW I|UHWDJHW VND IDVWVWlOOD HQ PnOJUXSS I|U YLONHQ LQVWUXPHQWHW L IUnJD lU DQSDVVDW 'HW NDQ W H[ YDUD IUnJD RP NRQVXPHQWHU PHG YLVV HUIDUHQKHW HOOHU HQ YLVV ULVNSURILO 0HG XWJnQJVSXQNW L GHQ WlQNWD PnOJUXSSHQ VND YlUGHSDSSHUV I|UHWDJHW EHG|PD RP LQVWUXPHQWHW L IUnJD W\SLVNW VHWW lU OlPSOLJW W H[ PHG KlQV\Q WLOO GH ULVNHU VRP lU I|UHQDGH PHG HQ LQYHVWHULQJ %HG|PQLQJHQ VND RFNVn LQQHIDWWD GH I|UlQGULQJDU VRP NDQ LQWUlIID W H[ YlUGHI|UlQGULQJDU Sn JUXQG DY KlQGHOVHU Sn PDUNQDGHQ 1lU YlO LQVWUXPHQWHW KDU JnWW LJHQRP JRGNlQQDQGHSURFHVVHQ RFK XWJ|U HQ GHO DY YlUGHSDSSHUVI|UHWDJHWV XWEXG VND LQVWLWXWHW UHJHOEXQGHW XWYlUGHUD LQVWUXPHQWHW ± PHG EHDNWDQGH DY GH KlQGHOVHU VRP YlVHQWOLJW VNXOOH NXQQD SnYHUND PnOJUXSSHQ ± I|U DWW EHG|PD RP PnOPDUNQDGHQ RFK GLVWULEX WLRQHQ IRUWIDUDQGH lU OlPSOLJ )|U YlUGHSDSSHUVLQVWLWXW VRP LQWH VMlOYD SURGXFHUDU LQYHVWHULQJVSURGXNWHU PHQ GLVWULEXHUDU DQGUDV SURGXNWHU ILQQV OLNQDQGH UHJOHU VRP LQQHElU DWW LQVWLWXWHW VND VH WLOO DWW In WLOOJnQJ WLOO LQIRUPDWLRQ RP SURGXNWSURFHVVHQ RFK NXQQD I|UVWn HJHQVNDSHUQD KRV LQVWUXPHQWHW L IUnJD RFK YLONHQ PnOJUXSS GH lU DYVHGGD I|U )|UHWDJHW VND RFNVn VlNHUVWlOOD DWW LQVWUXPHQWHQ GLVWULEXHUDV WLOO GHQ DYVHGGD PnOJUXSSHQ RFK HQGDVW HUEMXGV WLOO NXQGHU QlU GHWWD OLJJHU L NXQGHQV LQWUHVVH 8WUHGQLQJHQ I|UHVOnU DWW GHW L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ WDV LQ EHVWlPPHOVHU RP SURGXNWSURFHVVHQ VRP PRWVYDUDU GLUHNWLYHWV UHJOHU

0L),' ,, LQQHKnOOHU EHVWlPPHOVHU RP DWW YlUGHSDSSHUVLQVWLWXW VND VSHOD LQ WHOHIRQVDPWDO VRP lU DYVHGGD DWW OHGD WLOO WUDQVDNWLRQHU L ILQDQVLHOOD LQVWUXPHQW I|U LQVWLWXWHWV HJHQ HOOHU I|U NXQGHUV UlNQLQJ (OHNWURQLVN NRPPXQLNDWLRQ L VDPPD V\IWH VND EHYDUDV 'RNXPHQ WDWLRQHQ VND VSDUDV L IHP nU ± HOOHU GHQ OlQJUH WLG VRP GHQ EHK|ULJD P\QGLJKHWHQ I|UHVNULYHU GRFN OlQJVW VMX nU ± RFK OlPQDV XW WLOO NXQGHU Sn EHJlUDQ .XQGHUV RUGHU VRP WDV HPRW Sn DQQDW VlWW lQ YLD WHOHIRQ HOOHU HOHNWURQLVNW VND GRNXPHQWHUDV Sn YDUDNWLJW PHGLXP 8WUHGQLQJHQ I|UHVOnU

%LODJD

opaginerad %LODJD Kontrollera mot PDF

%LODJD

DWW GHW L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ WDV LQ EHVWlPPHOVHU RP

EDQGLQVSHOQLQJ P P VRP PRWVYDUDU GLUHNWLYHWV UHJOHU

9HUNVDPKHW |YHU JUlQVHUQD NDSLWHO

5HJOHUQD RP YHUNVDPKHW |YHU JUlQVHUQD L 0L),' ,, lU I|U GH HXURSHLVND

I|UHWDJHQ L VWRUW VHWW GHVDPPD VRP UHJOHUQD L nUV GLUHNWLY

)|UlQGULQJDUQD Sn GHWWD RPUnGH EHVWnU L DWW UHJOHUQD RP ILOLDOHU lYHQ VND

WLOOlPSDV QlU HWW YlUGHSDSSHUVI|UHWDJ DQOLWDU HWW DQNQXWHW RPEXG L HQ

DQQDQ PHGOHPVVWDW 1\WW L 0L),' ,, lU UHJOHUQD RP I|UHWDJ IUnQ OlQGHU

XWDQI|U ((6 VRP HWDEOHUDU HQ ILOLDO LQRP ((6 8WUHGQLQJHQ I|UHVOnU Sn

GHWWD RPUnGH DWW 6YHULJH VND XWQ\WWMD GHQ P|MOLJKHW VRP 0L),' ,, JHU DWW

NUlYD ILOLDOHWDEOHULQJ I|U DWW I|UHWDJ XWDQI|U ((6 VND In WLOOKDQGDKnOOD

LQYHVWHULQJVWMlQVWHU L 6YHULJH

%RODJVVW\UQLQJ P P NDSLWHO

, 0L),' ,, NRPSOHWWHUDV GH DOOPlQW KnOOD NUDYHQ Sn DWW VW\UHOVH RFK

YHUNVWlOODQGH GLUHNW|U L YlUGHSDSSHUVI|UHWDJ RFK E|UVHU VND KD WLOOUlFNOLJW

JRG YDQGHO VDPW WLOOUlFNOLJ NXQVNDS WLOOUlFNOLJD IlUGLJKHWHU RFK

WLOOUlFNOLJ HUIDUHQKHW PHG EHVWlPPHOVHU RP DWW VW\UHOVH RFK YHUNVWlOODQGH

GLUHNW|U NROOHNWLYW VND KD WLOOUlFNOLJD NXQVNDSHU IlUGLJKHWHU RFK

HUIDUHQKHWHU I|U DWW I|UVWn I|UHWDJHWV YHUNVDPKHW L DOOPlQKHW RFK ULVNHUQD

L YHUNVDPKHWHQ L V\QQHUKHW 9DU RFK HQ DY VW\UHOVHOHGDP|WHUQD VDPW

YHUNVWlOODQGH GLUHNW|UHQ VND DJHUD KHGHUOLJW VDPW PHG LQWHJULWHW RFK

REHURHQGH I|U DWW HIIHNWLYW NXQQD LIUnJDVlWWD EHVOXW DY OHGDQGH

EHIDWWQLQJVKDYDUH L I|UHWDJHW RFK I|U DWW NXQQD |YHUYDND EHVOXWVIDWWDQGHW

'LUHNWLYHW LQQHKnOOHU RFNVn HQ EHJUlQVQLQJ DY GHW DQWDO VW\UHOVHXSSGUDJ

VRP QnJRQ NDQ KD VDPWLGLJW )|U VDPWOLJD I|UHWDJ JlOOHU DWW HQ DOOPlQ

VNlOLJKHWVEHG|PQLQJ VND J|UDV DY KXU PnQJD XSSGUDJ HQ HQVNLOG

OHGDPRW E|U KD %HG|PQLQJHQ lU EHURHQGH DY DUWHQ RPIDWWQLQJHQ RFK

NRPSOH[LWHWHQ L YHUNVDPKHWHQ )|U I|UHWDJ DY EHW\GDQGH VWRUOHN ILQQV

lYHQ HQ XWWU\FNOLJ NYDQWLWDWLY EHJUlQVQLQJ 8WUHGQLQJHQ EHG|PHU DWW

GLUHNWLYHWV NUDY Sn VW\UHOVHQ RFK GHVV OHGDP|WHU VDPW YHUNVWlOODQGH

GLUHNW|U L YlUGHSDSSHUVLQVWLWXW UHGDQ lU JHQRPI|UGD JHQRP GH

EHVWlPPHOVHU VRP JHQRPI|U PRWVYDUDQGH NUDY HQOLJW NDSLWDOWlFNQLQJV

GLUHNWLYHW 8WUHGQLQJHQ I|UHVOnU DWW PRWVYDUDQGH EHVWlPPHOVHU I|U E|UVHU

± DYVHHQGH VW\UHOVHQV VDPODGH NXQVNDS RFK HUIDUHQKHW EHJUlQVQLQJHQ DY

DQWDOHW XSSGUDJ VRP OHGQLQJVSHUVRQHU NDQ KD VDPW NUDYHW Sn DWW DYVlWWD

WLOOUlFNOLJ WLG I|U DWW NXQQD XWI|UD VLWW XSSGUDJ ± WDV LQ L ODJHQ RP

YlUGHSDSSHUVPDUNQDGHQ 'H PHU VSHFLILND NUDYHQ L 0L),' ,, Sn

VW\UHOVHQ RFK GHVV OHGDP|WHU VDPW YHUNVWlOODQGH GLUHNW|UHQ L HQ E|UV VND

JHQRPI|UDV JHQRP P\QGLJKHWVI|UHVNULIWHU

(XURSDSDUODPHQWHWV RFK UnGHWV GLUHNWLY (8 DY GHQ MXQL RP EHK|ULJKHW

DWW XW|YD YHUNVDPKHW L NUHGLWLQVWLWXW RFK RP VlUVNLOG WLOOV\Q DY NUHGLWLQVWLWXW RFK

YlUGHSDSSHUVI|UHWDJ RP lQGULQJ DY GLUHNWLY (* RFK RP XSSKlYDQGH DY GLUHNWLY

(* RFK (* RFNVn EHQlPQW &5' ,9

opaginerad 7LOOV\Q NDSLWHO Kontrollera mot PDF

, 0L),' ,, VWlOOV NUDY Sn OHGQLQJVRUJDQHWV VW\UQLQJ DY I|UHWDJHW 0HG %LODJD OHGQLQJVRUJDQHW DYVHV L VYHQVN UlWW VW\UHOVHQ HOOHU VW\UHOVHQ och YHUNVWlOODQGH GLUHNW|UHQ .UDYHQ lU UHODWLYW DOOPlQW KnOOQD /HGQLQJV RUJDQHW VND XWIRUPD RFK LPSOHPHQWHUD HOOHU |YHUYDND LPSOHPHQWHULQJHQ

DY VW\UQLQJVDUUDQJHPDQJ VRP VlNHUVWlOOHU HQ HIIHNWLY RFK VXQG VW\UQLQJ DY RUJDQLVDWLRQHQ YLONHW LQNOXGHUDU nWVNLOOQDG DY DUEHWVXSSJLIWHU LQRP I|UHWDJHW RFK I|UHE\JJDQGH DY LQWUHVVHNRQIOLNWHU )|U YlUGHSDSSHUVI|UHWDJ SUHFLVHUDV GHWWD QnJRW PHU /HGQLQJVRUJDQHW VND HWDEOHUD JRGNlQQD RFK KD XSSVLNW |YHU I|UHWDJHWV RUJDQLVDWLRQ QlU GHW JlOOHU WLOOKDQGDKnOODQGHW DY LQYHVWHULQJVWMlQVWHU 9LG XWIRUPQLQJHQ DY RUJDQLVDWLRQHQ VND DUWHQ RPIDWWQLQJHQ RFK NRPSOH[LWHWHQ L I|UHWDJHWV YHUNVDPKHW EHDNWDV /HGQLQJVRUJDQHW VND RFNVn HWDEOHUD JRGNlQQD RFK KD XSSVLNW |YHU HQ SROLF\ I|U YLOND WMlQVWHU DNWLYLWHWHU SURGXNWHU RFK YHUNVDPKHWHU VRP I|UHWDJHW VND HUEMXGD HOOHU lJQD VLJ nW 'HWWD VND VNH L HQOLJKHW PHG I|UHWDJHWV ULVNWROHUDQV VDPW PHG EHDNWDQGH DY YLOND NXQGHUQD lU RFK YLOND EHKRY GH KDU /HGQLQJVRUJDQHW VND lYHQ XWIRUPD HQ HUVlWWQLQJVSROLF\ VRP V\IWDU WLOO DWW NXQGHUQD VND EHKDQGODV UlWWYLVW RFK DWW LQWUHVVH NRQIOLNWHU XQGYLNV /HGQLQJVRUJDQHW VND VOXWOLJHQ UHJHOEXQGHW |YHUYDND RFK XWYlUGHUD I|UHWDJHWV VW\UQLQJVPRGHOO RFK SROLFLHV DYVHHQGH WLOOKDQGDKnOODQGH DY WMlQVWHU VDPW YLGWD UHOHYDQWD nWJlUGHU I|U DWW NRUULJHUD EULVWHU /HGQLQJVRUJDQHW VND RFNVn KD WLOOJnQJ WLOO DOO LQIRUPDWLRQ VRP EHK|YV I|U DWW NXQQD |YHUYDND EHVOXWVIDWWDQGHW L I|UHWDJHW 8WUHGQLQJHQ I|UHVOnU DWW GHW L ODJHQ RP YlUGHSDSSHUV PDUNQDGHQ WDV LQ HQ NDWDORJ |YHU VW\UHOVHQV RFK YHUNVWlOODQGH GLUHNW|UHQV XSSJLIWHU

7LOOV\Q NDSLWHO

*HQRPI|UDQGHW DY 0L),' ,, LQQHElU HQ YLVV XWYLGJQLQJ DY )LQDQV LQVSHNWLRQHQV WLOOV\QVYHUNW\J 8WUHGQLQJHQ I|UHVOnU L GHQQD GHO DWW LQVSHNWLRQHQV YHUNW\JVNDWDORJ NRPSOHWWHUDV PHG HQ P|MOLJKHW DWW DQV|ND RP EHWDOQLQJVVlNULQJ I|U DWW VlNHUVWlOOD HWW DQVSUnN Sn VDQNWLRQVDYJLIW UlWW DWW I|UEMXGD DJHUDQGHQ VRP NDQ DQWDV VWULGD PRW ODJHQ HOOHU 0L),5 VRP LQQHIDWWDU UlWW DWW I|UEMXGD YLVV \UNHVYHUNVDPKHW UlWW DWW EHJlUD DWW HQ SHUVRQ YLGWDU nWJlUGHU I|U DWW PLQVND VWRUOHNHQ Sn HQ SRVLWLRQ HOOHU H[SRQHULQJ UlWW DWW EHJUlQVD P|MOLJKHWHQ I|U HQ SHUVRQ DWW LQJn HWW UnYDUXGHULYDWNRQWUDNW VDPW UlWW DWW VWRSSD PDUNQDGVI|ULQJ HOOHU I|UVlOMQLQJ DY ILQDQVLHOOD LQVWUXPHQW HOOHU VWUXNWXUHUDGH LQVlWWQLQJDU RP HWW YlUGHSDSSHUVLQVWLWXW KDU XQGHUOnWLW DWW XWYHFNOD HOOHU WLOOlPSD HQ HIIHNWLY SURFHVV I|U SURGXNWIUDPWDJDQGH HOOHU RP LQVWLWXWHW Sn DQQDW VlWW KDU XQGHUOnWLW DWW I|OMD UHJOHUQD DYVHHQGH SURFHVVHQ I|U SURGXNWIUDPWDJDQGH

, 0L),' ,, ILQQV UHJOHU RP VDPDUEHWHW PHOODQ EHK|ULJD P\QGLJKHWHU L ROLND PHGOHPVVWDWHU RFK VDPDUEHWHW PHG HXURSHLVND WLOOV\QVP\QGLJKHWHU 8WUHGQLQJHQV EHG|PQLQJ lU DWW GDJHQV VYHQVND UHJOHU XSSI\OOHU GLUHNWLYHWV NUDY PHG QnJUD VPlUUH I|UlQGULQJDU DYVHHQGH VDPDUEHWHW RFK LQIRUPDWLRQVXWE\WHW PHG E\UnQ I|U VDPDUEHWH PHOODQ HQHUJLP\QGLJKHWHU $FHU RFK (XURSHLVND YlUGHSDSSHUV RFK PDUNQDGVP\QGLJKHWHQ (VPD

(Q Q\KHW L 0L),' ,, lU EHVWlPPHOVHUQD RP V\VWHP RFK VN\GG I|U YLVVHOEOnVDUH 'LUHNWLYHW VWlOOHU NUDY GHOV Sn HIIHNWLYD V\VWHP I|U

opaginerad %LODJD Kontrollera mot PDF

%LODJD

UDSSRUWHULQJ RFK VN\GG I|U GHQ VRP UDSSRUWHUDU |YHUWUlGHOVHU WLOO GHQ

EHK|ULJD P\QGLJKHWHQ GHOV Sn DWW WLOOVWnQGVSOLNWLJD I|UHWDJ VND LQUlWWD

VnGDQD V\VWHP I|U LQWHUQ UDSSRUWHULQJ (Q DUEHWVWDJDUH VRP UDSSRUWHUDU

DOOYDUOLJD |YHUWUlGHOVHU VND VN\GGDV PRW UHSUHVVDOLHU GLVNULPLQHULQJ RFK

DQGUD IRUPHU DY PLVVJ\QQDQGH EHKDQGOLQJ 'lUXW|YHU VND LGHQWLWHWHQ Sn

EnGH DQPlODUHQ RFK Sn GHQ VRP DQPlOV RP GHW lU HQ I\VLVN SHUVRQ VRP

KXYXGUHJHO VN\GGDV 6\IWHW PHG VlUVNLOGD UDSSRUWHULQJVV\VWHP V N

YLVVHOEOnVDUV\VWHP lU DWW P|MOLJJ|UD I|U L I|UVWD KDQG VDPWOLJ SHUVRQDO DWW

XWDQ UlGVOD I|U UHSUHVVDOLHU NXQQD UDSSRUWHUD DOOYDUOLJD KlQGHOVHU

6N\OGLJKHWHQ I|U EHK|ULJD P\QGLJKHWHU DWW LQUlWWD HIIHNWLYD SURFHGXUHU

I|U DWW PRWWD RFK I|OMD XSS DQPlOQLQJDU RP |YHUWUlGHOVHU I|UHVOnU

XWUHGQLQJHQ JHQRPI|UV JHQRP I|UHVNULIWHU Sn I|URUGQLQJVQLYn 1lU GHW

JlOOHU LGHQWLWHWVVN\GGHW lU GHW XWUHGQLQJHQV EHG|PQLQJ DWW GHWWD lU

RPKlQGHUWDJHW DY NDS E † RIIHQWOLJKHWV RFK VHNUHWHVVODJHQ

VRP Q\OLJHQ LQI|UGHV I|U DWW JHQRPI|UD PRWVYDUDQGH

EHVWlPPHOVH L NDSLWDOWlFNQLQJVGLUHNWLYHW 8WUHGQLQJHQ I|UHVOnU GRFN DWW

RIIHQWOLJKHWV RFK VHNUHWHVVODJHQ NRPSOHWWHUDV PHG HQ EHVWlPPHOVH RP

DWW VHNUHWHVV VND JlOOD lYHQ HQ I\VLVN SHUVRQ VRP L HQ DQPlODQ SHNDV XW

VRP DQVYDULJ I|U HQ |YHUWUlGHOVH 8WUHGQLQJHQ I|UHVOnU RFNVn DWW GHQ

EHILQWOLJD EHVWlPPHOVH L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ VRP LQQHElU

DWW YlUGHSDSSHUVLQVWLWXW VND KD lQGDPnOVHQOLJD V\VWHP I|U DWW IUnQ DQVWlOOGD

RPKlQGHUWD DQPlOQLQJDU RP HYHQWXHOOD PLVVI|UKnOODQGHQ LQRP

LQVWLWXWHQ VND JlOOD lYHQ I|U PDUNQDGVRSHUDW|UHU RFK OHYHUDQW|UHU DY

GDWDUDSSRUWHULQJVWMlQVWHU

,QJULSDQGHQ NDSLWHO

%HVWlPPHOVHUQD RP DGPLQLVWUDWLYD VDQNWLRQHU RFK nWJlUGHU L 0L),' ,,

VNLOMHU VLJ YlVHQWOLJW IUnQ PRWVYDUDQGH EHVWlPPHOVHU L nUV GLUHNWLY

YLOND YDU XWIRUPDGH Vn DWW PHGOHPVVWDWHUQD nODGHV DWW VH WLOO DWW GHW ILQQV

YHUNQLQJVIXOOD VDQNWLRQHU PRW |YHUWUlGHOVHU DY GLUHNWLYHWV EHVWlPPHOVHU

'HQ QlUPDUH XWIRUPQLQJHQ DY VDQNWLRQHUQD YDU VHGDQ HQ IUnJD I|U YDUMH

PHGOHPVVWDW DWW WD KDQG RP , 0L),' ,, lU EHVWlPPHOVHUQD EHW\GOLJW PHU

GHWDOMHUDGH 'lU DQJHV YLOND |YHUWUlGHOVHU VRP VND NXQQD UHQGHUD

VDQNWLRQHU DWW lYHQ I\VLVND SHUVRQHU L I|UHWDJHQV OHGQLQJVRUJDQ VND NXQQD

SnI|UDV VDQNWLRQHU GH ROLND VODJ DY VDQNWLRQHU VRP VND ILQQDV RFK

VWRUOHNHQ Sn VDQNWLRQVDYJLIWHU )|U DWW JHQRPI|UD GHVVD EHVWlPPHOVHU

I|UHVOnU XWUHGQLQJHQ DWW GHW I|U VYHQVND YlUGHSDSSHUVLQVWLWXW E|UVHU RFK

VYHQVND OHYHUDQW|UHU DY GDWDUDSSRUWHULQJVWMlQVWHU DQJHV YLOND EHVWlPPHOVHU L

ODJHQ RFK 0L),5 VRP NDQ PHGI|UD LQJULSDQGHQ YLG HQ |YHUWUlGHOVH 2P

HWW VYHQVNW YlUGHSDSSHUVLQVWLWXW HQ E|UV HOOHU HQ VYHQVN OHYHUDQW|U DY

GDWDUDSSRUWHULQJVWMlQVWHU KDU |YHUWUlWW HQ EHVWlPPHOVH L ODJHQ RP

YlUGHSDSSHUVPDUNQDGHQ HOOHU L 0L),5 VND I|UHWDJHW NXQQD SnI|UDV HQ

VDQNWLRQ , VnGDQD IDOO VND lYHQ HQ VW\UHOVHOHGDPRW HOOHU HQ YHUNVWlOODQGH

GLUHNW|U L LQVWLWXWHW HOOHU E|UVHQ HOOHU GHUDV HUVlWWDUH NXQQD SnI|UDV HQ

VDQNWLRQ RP SHUVRQHQ L IUnJD DY XSSVnW HOOHU JURY RDNWVDPKHW KDU DJHUDW

Sn HWW VlWW VRP I|UDQOHWW |YHUWUlGHOVHQ 'HWWD JlOOHU GRFN HQEDUW RP

I|UHWDJHWV |YHUWUlGHOVH lU DY DOOYDUOLJW VODJ , ODJHQ LQI|UV RFNVn HQ

opaginerad ,NUDIWWUlGDQGH RFK |YHUJnQJVEHVWlPPHOVHU NDSLWHO Kontrollera mot PDF

EHVWlPPHOVH PHG LQQHE|UG DWW HWW LQJULSDQGH LQWH VND VNH RP %LODJD |YHUWUlGHOVHQ VDPWLGLJW XWJ|U HQ JlUQLQJ VRP lU I|UHPnO I|U nWDO

'H VDQNWLRQHU VRP NDQ EOL DNWXHOOD I|U I|UHWDJHQ lU GHVDPPD VRP HQOLJW JlOODQGH UlWW W H[ nWHUNDOOHOVH DY WLOOVWnQG RFK VDQNWLRQVDYJLIW 'H VDQNWLRQHU VRP NDQ EOL DNWXHOOD VnYLWW JlOOHU I\VLVND SHUVRQHU L OHGQLQJV RUJDQHW I|U HWW VYHQVNW I|UHWDJ lU I|UEXG DWW XW|YD OHGQLQJVXSSGUDJ L HWW YlUGHSDSSHUVLQVWLWXW VDPW VDQNWLRQVDYJLIW 6DQNWLRQVDYJLIW I|U I\VLVND SHUVRQHU VND EHVWlPPDV WLOO K|JVW HWW EHORSS VRP PRWVYDUDU IHP PLOMRQHU HXUR HOOHU L GH IDOO EHORSSHW EOLU K|JUH RFK NDQ EHUlNQDV WLOO WYn JnQJHU EHORSSHW DY GH YLQVWHU VRP KDU HUKnOOLWV HOOHU GH NRVWQDGHU I|UOXVWHU VRP KDU XQGYLNLWV JHQRP |YHUWUlGHOVHQ

%HVWlPPHOVHQ RP LQJULSDQGH PRW I\VLVND SHUVRQHU L HWW LQVWLWXWV HOOHU HQ E|UV OHGQLQJVRUJDQ VND WLOOlPSDV RFNVn Sn XWOlQGVND I|UHWDJ VRP K|U KHPPD XWDQI|U ((6 RFK GULYHU YlUGHSDSSHUVU|UHOVH IUnQ ILOLDO L 6YHULJH YDUYLG GHQ HOOHU GH SHUVRQHU VRP KDU DQVYDUHW I|U OHGQLQJHQ DY ILOLDOHQ VND NXQQD SnI|UDV HQ VDQNWLRQVDYJLIW

'HW Q\D VDQNWLRQVV\VWHPHW SnYHUNDU RFNVn EHVOXWVRUGQLQJHQ I|U VDQNWLRQHU 8WUHGQLQJHQ I|UHVOnU DWW )LQDQVLQVSHNWLRQHQ OLNVRP WLGLJDUH VND IDWWD EHVOXW RP VDQNWLRQHU DYVHHQGH MXULGLVND SHUVRQHU RFK lYHQ L IUnJRU RP I\VLVND SHUVRQHUV XQGHUOnWHQKHW DWW DQPlOD I|UYlUY RFK DY\WWULQJDU DY HWW NYDOLILFHUDW LQQHKDY L HWW YlUGHSDSSHUVERODJ HQ E|UV HOOHU HQ VYHQVN FOHDULQJRUJDQLVDWLRQ 1lU GHW JlOOHU VDQNWLRQHU PRW DQVYDULJD I\VLVND SHUVRQHU L HWW VYHQVNW YlUGHSDSSHUVLQVWLWXW HOOHU HQ E|UV L IUnJD RP |YHU WUlGHOVHU IUnQ I|UHWDJHWV VLGD VND )LQDQVLQVSHNWLRQHQ JHQRP VDQNWLRQV I|UHOlJJDQGH SU|YD IUnJRU RP VDQNWLRQHU 2P HWW VnGDQW I|UHOlJJDQGH LQWH JRGNlQWV LQRP I|UHVNULYHQ WLG InU )LQDQVLQVSHNWLRQHQ DQV|ND KRV )|UYDOW QLQJVUlWWHQ L 6WRFNKROP RP DWW VDQNWLRQHQ VND EHVOXWDV

,NUDIWWUlGDQGH RFK |YHUJnQJVEHVWlPPHOVHU NDSLWHO

(QOLJW 0L),' ,, VND PHGOHPVVWDWHUQD VHQDVW GHQ MXOL DQWD RFK RIIHQWOLJJ|UD GH ODJDU RFK DQGUD I|UIDWWQLQJDU VRP lU Q|GYlQGLJD I|U DWW JHQRPI|UD GLUHNWLYHW 'H QDWLRQHOOD EHVWlPPHOVHUQD VND WLOOlPSDV IUnQ RFK PHG GHQ MDQXDUL PHG YLVVD XQGDQWDJ 0L),5 VND PHG YLVVD XQGDQWDJ E|UMD WLOOlPSDV IUnQ RFK PHG GHQ MDQXDUL $YVHHQGH 0L),5 LQQHElU GHWWD DWW QXYDUDQGH EHVWlPPHOVHU L GHQ VYHQVND ODJHQ VRP PRWVYDUDU EHVWlPPHOVHU L 0L),5 VND XSSK|UD DWW JlOOD GHQ MDQXDUL 1nJUD VlUVNLOGD nWJlUGHU L |YULJW I|U DWW I|URUGQLQJHQ VND E|UMD JlOOD L 6YHULJH VND LQWH YLGWDV RFK QnJUD |YHUJnQJVEHVWlPPHOVHU EHK|YV LQWH 1lU GHW JlOOHU 0L),' ,, VND GH lQGULQJDU L ODJHQ RP YlUGHSDSSHUVPDUNQDGHQ VRP XWUHGQLQJHQ KDU I|UHVODJLW E|UMD JlOOD GHQ MDQXDUL PHG XQGDQWDJ I|U EHVWlPPHOVHUQD RP HQ &73 V VN\OGLJKHW DWW VDPOD LQ RFK RIIHQWOLJJ|UD LQIRUPDWLRQ RP KDQGHO PHG REOLJDWLRQHU VWUXNWXUHUDGH ILQDQVLHOOD SURGXNWHU XWVOlSSVUlWWHU RFK GHULYDW 'HVVD UHJ OHU VND WLOOlPSDV IUnQ RFK PHG GHQ VHSWHPEHU

s. 60 )|UVODJ WLOO ODJ RP lQGULQJ L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ Kontrollera mot PDF

%LODJD

)|UVODJ WLOO ODJ RP lQGULQJ L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ

Härigenom föreskrivs i fråga om lagen (2005:405) om försäkrings- förmedling

dels att 1 kap. 5 §, 5 kap. 1 och 4 §§ samt 8 kap. 6 § ska ha följ- ande lydelse,

dels att det ska införas en ny paragraf, 5 kap. 4 a §, av följande lydelse.

Nuvarande lydelse

Föreslagen lydelse

1 kap.

5 § 59

När

en

försäkringsförmed-

När

en

försäkringsförmed-

lare utövar sådan sidoverksam-

lare utövar sådan sidoverksam-

het som avses i 2 kap. 5 § första

het som avses i 2 kap. 5 § första

stycket 15 lagen (2007:528) om

stycket 14 lagen (2007:528) om

värdepappersmarknaden, är lagen

värdepappersmarknaden, är lagen

tillämplig även på denna verk-

tillämplig även på denna verk-

samhet, om inte något annat sägs.

samhet, om inte något annat sägs.

5 kap.

1 § 60

En försäkringsförmedlare får

En försäkringsförmedlare får

efter tillstånd av Finansinspek-

efter tillstånd av Finansinspek-

tionen utöva sådan sidoverk-

tionen utöva sådan sidoverk-

samhet

som

avses i 2 kap. 5 §

samhet

som

avses i 2 kap. 5 §

första stycket 15 lagen (2007:528)

första stycket 14 lagen (2007:528)

om värdepappersmarknaden.

om värdepappersmarknaden.

Vid prövning av en ansökan om tillstånd enligt första stycket gäller bestämmelserna i 2 kap. 5 eller 6 § i tillämpliga delar.

59 Senaste lydelse 2007:565.

60 Senaste lydelse 2007:565.

s. 61 )|UVODJ WLOO ODJ RP lQGULQJ L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ Kontrollera mot PDF

%LODJD

4 § 61

Försäkringsförmedlaren skall i

Försäkringsförmedlaren ska i

sin verksamhet iaktta god försäk-

sin verksamhet iaktta god försäk-

ringsförmedlingssed och med till-

ringsförmedlingssed och med till-

börlig omsorg ta till vara kundens

börlig omsorg ta till vara kundens

intressen.

intressen.

Försäkringsförmedlaren

skall

Försäkringsförmedlaren

ska

anpassa sin rådgivning efter kun-

anpassa sin rådgivning efter kun-

dens önskemål och behov samt

dens önskemål och behov samt

rekommendera lösningar som är

rekommendera lösningar som är

lämpliga för kunden. Om försäk-

lämpliga för kunden. Om försäk-

ringsförmedlaren har

informerat

ringsförmedlaren

har

informerat

kunden

enligt 6 kap.

2 §

första

kunden

enligt 6 kap.

2 § första

stycket 1 om att han eller hon

stycket 1 om att han eller hon

lämnar rådgivning om försäkring

lämnar rådgivning om försäkring

på grundval av en opartisk analys,

på grundval av en opartisk analys,

är förmedlaren skyldig att lämna

är förmedlaren skyldig att lämna

rådgivningen efter en analys av ett

rådgivningen efter en analys av ett

tillräckligt stort antal försäkrings-

tillräckligt stort antal försäkrings-

avtal på marknaden.

avtal på marknaden.

Förmedlaren skall

avråda en

Förmedlaren

ska

avråda

en

kund som är en fysisk person

kund som är en fysisk person

som handlar huvudsakligen för

som handlar huvudsakligen

för

ändamål som faller utanför när-

ändamål som faller utanför när-

ingsverksamhet från att vidta åt-

ingsverksamhet från att vidta åt-

gärder som inte kan anses lämp-

gärder som inte kan anses lämp-

liga med hänsyn till personens

liga med hänsyn till personens

behov, ekonomiska förhållanden

behov, ekonomiska förhållanden

eller andra omständigheter.

eller andra omständigheter.

Om

försäkringsförmedlaren

Om

försäkringsförmedlaren

utövar sådan sidoverksamhet som

utövar sådan sidoverksamhet som

avses i 1 § första stycket, gäller

avses i 1 § första stycket, gäller

dessutom bestämmelserna i 8 kap.

dessutom bestämmelserna i 8 och

lagen (2007:528) om värde-

9 kap. lagen (2007:528) om värde-

pappersmarknaden för den verk-

pappersmarknaden för den verk-

samheten i tillämpliga delar.

samheten i tillämpliga delar.

61 Senaste lydelse 2007:565.

s. 62 )|UVODJ WLOO ODJ RP lQGULQJ L ODJHQ RP I|UVlNULQJVI|UPHGOLQJ Kontrollera mot PDF

%LODJD

4 a §

För

en

försäkringsförmedlare

som i sin verksamhet lämnar råd

till konsumenter om placeringar i

finansiella instrument gäller be-

stämmelserna

i

8 kap. 31 och

32 §§, 9 kap. 8, 13–16, 20–22, 24,

25 och 46 §§ lagen (2007:528) om

värdepappersmarknaden.

8 kap.

6 § 62

Om Finansinspektionen har

Om Finansinspektionen har

återkallat tillståndet för en för-

återkallat tillståndet för en för-

säkringsförmedlare, skall inspek-

säkringsförmedlare, ska inspek-

tionen snarast underrätta Bolags-

tionen snarast underrätta Bolags-

verket om detta.

verket om detta.

Om Bolagsverket har åter-

Om Bolagsverket har åter-

kallat

registreringen

avseende

kallat

registreringen

avseende

förmedling av livförsäkring eller

förmedling av livförsäkring eller

alla slag av försäkring för en an-

alla slag av försäkring för en an-

knuten

försäkringsförmedlare

knuten

försäkringsförmedlare

som har tillstånd att utöva sådan

som har tillstånd att utöva sådan

sidoverksamhet

som

avses i

sidoverksamhet

som

avses i

2 kap. 5 § första stycket 15 lagen

2 kap. 5 § första stycket 14 lagen

(2007:528)

om

värdepappers-

(2007:528)

om

värdepappers-

marknaden,

skall

Bolagsverket

marknaden,

ska

Bolagsverket

snarast

underrätta

Finansinspek-

snarast

underrätta

Finansinspek-

tionen om detta.

tionen om detta.

Denna lag träder i kraft den 3 januari 2017.

62 Senaste lydelse 2007:565.

opaginerad Departementsserien 2017 Kontrollera mot PDF

Departementsserien 2017

Kronologisk förteckning

1. Elektronisk övervakning av kontaktförbud. Ju.

2. Åldersdifferentierat underhållsstöd och höjt grundavdrag för bidragsskyldiga föräldrar. S.

3. Genomförande av ICT-direktivet. Ju.

4. Sjukpenning i avvaktan på slutligt beslut. S.

5. Effektivare sanktioner i livsmedels- kedjan m.m. N.

6. Förslag till lag om ersättning till personer som har fått ändrad

könstillhörighet fastställd i vissa fall. S.

7. Kommunikation för vår gemensamma säkerhet. Uppdrag om en utvecklad och säker kommunikationslösning för aktörer inom allmän ordning, säkerhet, hälsa och försvar. Ju.

8. Kultursamverkan för ett Sverige som håller ihop. Framtida inriktning och utvecklingsmöjligheter för kultursamverkansmodellen. Ku.

9. Förstärkt rehabilitering för återgång i arbete. S.

10. ILO:s konvention om anständiga arbetsvillkor för hushållsarbetare. A.

11. Ändrade regler om retroaktivitet avseende efterlevandestöd. S.

12. Om förenklat beslutsfattande och särskilda boendeformer för äldre. S.

13. Skadeståndets bestämmande vid finansiell rådgivning. Fi.

14. Vissa ändringar i läkemedelslagen. S.

15. Ökat konsulärt skydd för unionsmedborgare och deras familjemedlemmar. Genomförande av direktiv (EU) 2015/637. UD.

16. Arbetsplatsinspektioner och höjd särskild avgift. Ju.

17. En ny lag om försäkringsdistribution. Fi.

opaginerad Departementsserien 2017 Kontrollera mot PDF

Departementsserien 2017

Systematisk förteckning

Arbetsmarknadsdepartementet

ILO:s konvention om anständiga arbetsvillkor för hushållsarbetare. [10]

Finansdepartementet

Skadeståndets bestämmande vid finansiell rådgivning. [13]

En ny lag om försäkringsdistribution. [17]

Justitiedepartementet

Elektronisk övervakning av kontaktförbud. [1]

Genomförande av ICT-direktivet. [3]

Kommunikation för vår gemensamma säkerhet. Uppdrag om en utvecklad och säker kommunikationslösning för aktörer inom allmän ordning, säkerhet, hälsa och försvar. [7]

Arbetsplatsinspektioner och höjd särskild avgift. [16]

Kulturdepartementet

Kultursamverkan för ett Sverige

som håller ihop. Framtida inriktning och utvecklingsmöjligheter för kultursamverkansmodellen. [8]

Näringsdepartementet

Effektivare sanktioner i livsmedelskedjan m.m. [5]

Socialdepartementet

Åldersdifferentierat underhållsstöd och höjt grundavdrag för bidragsskyldiga föräldrar. [2]

Sjukpenning i avvaktan på slutligt beslut. [4]

Förslag till lag om ersättning till personer som har fått ändrad könstillhörighet fastställd i vissa fall. [6]

Förstärkt rehabilitering för återgång i arbete. [9]

Ändrade regler om retroaktivitet avseende efterlevandestöd. [11]

Om förenklat beslutsfattande och särskilda boendeformer för äldre. [12]

Vissa ändringar i läkemedelslagen. [14]

Utrikesdepartementet

Ökat konsulärt skydd för unionsmedborgare och deras familjemedlemmar. Genomförande av direktiv (EU) 2015/637. [15]

opaginerad Departementsserien 2017 Kontrollera mot PDF

En departementspromemoria är en utredning som arbetats fram inom Regeringskansliet. Utredningen publiceras som en rapport i departementsserien, förkortad Ds.

ISBN 978-91-38-24611-5 ISSN 0284-6012