Information pursuant to FinSA

The following information is provided pursuant to Art. 8 ff. of the Swiss Financial Services Act (FinSA).

A. Information about the company

1. Company name and registered office

Everon AG
Gartenstrasse 17
8002 Zurich
Switzerland
Email: [email protected]
Web: everon.swiss

2. Authorisation and supervision

Everon AG has been authorised as a wealth manager in accordance with the Swiss Financial Institutions Act (FinIA) since 17 March 2023.

Supervisory organisation:
FINcontrol Suisse AG
www.fincontrol.ch

3. Audit firm

Grant Thornton AG

4. Ombudsman's office

Everon AG is affiliated with the following ombudsman's office:

Swiss Financial Ombudsman's Office (FINOS)
Talstrasse 20
8001 Zurich
Phone: +41 44 552 08 00
Email: [email protected]
Web: www.finos.ch

The ombudsman's office serves as a mediation body for disputes between clients and Everon AG. The use of the ombudsman's office is free of charge for the client.

B. Information about the financial services offered

1. Wealth management

Everon AG provides wealth management services within the meaning of Art. 3 let. c no. 3 FinSA. Under a wealth management mandate, Everon AG makes independent investment decisions on the basis of the agreed investment strategy and the selected risk profile, in the name and on behalf of the Client.

2. No investment advice

Everon AG does not provide investment advice within the meaning of Art. 3 let. c no. 4 FinSA in relation to individual financial instruments. No personal recommendations on individual transactions are given.

3. Custody of client assets

Client assets are held at separate, regulated custody banks. Everon has no direct access to the client assets. The custody banks are subject to their own regulatory requirements and separate supervision.

C. Information about risks

1. General investment risks

Investments in financial instruments entail risks. The value of investments can fluctuate and there is a possibility that the Client will not receive back the entire invested amount. Past performance is not a reliable indicator of future returns.

2. Market risks

Financial markets are subject to various risks, including:

• Price risk: The value of securities can rise or fall due to market movements.
• Currency risk: Investments in foreign currencies are subject to exchange-rate fluctuations.
• Interest-rate risk: Changes in interest-rate levels can affect the value of fixed-income investments.
• Liquidity risk: Under certain market conditions, it may be difficult to sell investments.
• Counterparty risk: There is a risk that a counterparty may not meet its obligations.

Detailed information on the specific risks of the respective financial instruments is provided to the Client before the conclusion of the contract.

D. Conflicts of interest

Everon AG takes appropriate organisational measures to identify, avoid or manage conflicts of interest. In particular:

• Everon AG always acts in the best interests of the Client when managing client assets.
• Employees of Everon AG are subject to internal guidelines for the avoidance of conflicts of interest, including rules on personal transactions.
• If a conflict of interest cannot be avoided, the Client will be informed.

E. Costs

The costs charged to the Client are specified in the wealth management agreement. These may in particular include:

• Management fees for the wealth management service
• Transaction costs for the purchase and sale of financial instruments
• Custody fees of the custody bank
• Product costs of the financial instruments used (e.g. TER of funds)

Detailed information on costs and their impact on returns is provided to the Client before the conclusion of the contract and regularly during the term of the contract.

Everon AG does not accept any retrocessions or other compensation from third parties that are not fully passed on to the Client. Should Everon AG receive such compensation, it will be disclosed to the Client.