No Consideration of Sustainability Adverse Impacts

In line with Article 4(5) of Regulation (EU) 2019/2088 (SFDR) of the European Parliament and of the Council of 27 November 2019 on sustainability-related disclosures in the financial services sector which came into force on the 10th March 2021, Jesmond Mizzi Financial Advisors Limited (‘JMFA’) as Financial Advisers, are required to publish on their website information as to whether the Company considers in its investment or insurance advice the principal adverse impacts on sustainability factors. JMFA is a Financial Adviser in terms of the obligations under SFDR since it provides investment advice to client in relation to investment products and act also as an insurance intermediary whereby investment advice is provided in relation to Insurance Based Investment Products (‘IBIP’).

In view of the fact that the Company provides investment advice on a limited number of investment options or insurance based investment products, the Company does not consider the adverse impacts of investment decisions on sustainability factors when providing investment or insurance advices. Having said this, the Company is committed towards ensuring that advice given to clients is in favour of sustainable investments and the Company considers this to be the broader picture of the analysis.