Howden Estonia is operating in the field of insurance brokerage pursuant to the Insurance Activities Act and has been included in the list of insurance brokers, which can be accessed on the website or finance inspection by address Sakala 4, 15030 Tallinn. The purpose of the enclosed general terms and conditions of a brokerage contract is to define the rights and obligations of Howden Estonia and the company’s clients in brokerage of insurance contracts and provision of other insurance brokers' services.