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Consumer Information

Who is QUINN-life?

QUINN-life is a wholly owned Life and Pensions subsidiary of the Quinn Group. We have been in operation since 2000. Our head office is at Dublin Road, Cavan, Ireland and we have the following support offices in Ireland:

• The Q Centre, Blanchardstown Retail Park, Dublin 15
• 9 Lower O'Connell Street, Dublin 1

Company VAT registration number IE 8292374 V.

Who regulates us?

QUINN-life direct Limited is regulated by the Irish Financial Regulator (Registered no. 292374) www.ifsra.ie under Irish and European Law.

QUINN-life direct Limited are also members of the following:

• The Irish Insurance Federation www.iif.ie

Choice of Law

We can both choose the law which will apply to the contract. Unless we agree otherwise with you Irish law will apply to Republic of Ireland policies and English law will apply to UK policies.

Terms of Business

The terms of business document sets out the basis on which QUINN-life direct Ltd will provide services to its customers.

Choice of Language

All communications between QUINN-life and you will be in English.

Head Office Contact Details:

QUINN-life direct Ltd
Dublin Rd,
Cavan,
Ireland

Low-Call : 1850-77-1851
Fax : 049 4360234
E-mail : info@quinn-life.com
Website : www.quinn-life.com

QUINN-life direct Ltd is a subsidiary of Quinn Financial Services Holdings Ltd.

QUINN-life direct Ltd is regulated by the Financial Regulator and is authorised to transact life assurance business. The company is a provider of savings, investment, pension and life products direct to the customer. Business is conducted on an 'Execution Only' basis. An ´Execution Only´ transaction is where we will act purely on your instructions. No advice or opinion will be given.

Please note past performance is not an indicator of future performance. Depending on economic conditions, prices may fall as well as rise.

Quotes are valid for 30 days from date of issue.

Charging structure

There is an annual administration charge on our funds as follows:

Fund Name	Administration Charge
	Year 1 – 15	Year 16 onwards
Euro Freeway	1%	0.5%
Celtic Freeway	1%	0.5%
Cash Freeway	1%	0.5%
Bond Freeway	1%	0.5%
UK Freeway	1.2%	0.7%
US Freeway	1.2%	0.7%
Biotech Freeway	1.2%	0.7%
Technology Freeway	1.2%	0.7%
China Freeway	1.5%	1.0%
Japan Freeway	1.5%	1.0%
Latin America Freeway	1.5%	1.0%
Emerging Markets Freeway	1.5%	1.0%
Clean Energy Freeway	1.5%	1.0%

Warning

• The value of your investment may go down as well as up.
• This product may be affected by changes in currency exchange rates.

There is a transaction charge of €3.81 per month for regular premium Term Life policies. There is an annual Pensions Board charge of €9.50 on occupational pension scheme policies. The customer is allowed six free switches per calendar year. There is a charge of €25 for each subsequent switch in the year.

Cooling-Off Period

We want you to be 100% satisfied with your decision to go ahead with your Freeway Investment plan. If you are not satisfied with your decision, you are entitled to cancel your policy by writing to us at the address below within 30 days from the date of receiving your policy schedule and returning your policy documents to us. We will then refund to you the premiums you have paid. If the value of your investment has fallen between the time you took out the policy and the time we receive your cancellation request, we may make a deduction from the amount payable to you.

Conflicts of interest

QUINN-life direct Ltd wish to avoid instances of conflict of interest with its clients. If an unavoidable conflict of interest arises, we will write to you and outline the nature of the conflict before providing any business services to you.

Default by client

Failure to make premium payments in a timely manner may result in suspension or cancellation of your policy. In the event of default we will write to you advising that the amount is outstanding. If the amount remains unpaid, we will write again to request payment for two month's instalments (the defaulted one and the one now due). If you default again, for unit-linked policies we will suspend the policy and sell any units not paid for on the 45th day after the first default and for level term life policies we will cancel the policy on the 45th day from first default.

Complaints procedure

We will do our best to resolve any complaints you have. We would recommend you register your complaint in writing to:

Customer Care Department
QUINN-life direct Ltd.
Dublin Road,
Cavan.

We will acknowledge your complaint within two working days. The complaint will be fully investigated and we will respond to your complaint within five working days from receipt.

If you are not satisfied with the way we handle your complaint, you can refer your complaint to the Financial Services Ombudsman's Bureau. Where your complaint relates to a financial loss because of failure in administration of an occupational pension scheme then you can refer your complaint to the Pensions Ombudsman. This does not affect your right to take legal action against us. You can get more information from:

The Office of the Financial Services Ombudsman's Bureau
3rd Floor,
Lincoln House,
Lincoln Place,
Dublin 2
Phone: 01 6620899

Office of the Pensions Ombudsman
36 Upper Mount Street
Dublin 2
Phone: 01 6471650

Additional Contacts

The Financial Regulator
P.O Box 9138
College Green, Dublin
Phone : 01 410 4000

The Irish Insurance Federation
39 Molesworth St
Dublin 2
Phone : 01 676 1914