annex ix financi servic list provid articl introduct act refer annex notion refer procedur specif commun legal order preambl addresse commun act refer territori languag ec refer right oblig ec member state public entiti undertak individu relat refer inform notif procedur protocol horizont adapt appli provid annex sector adapt exchang inform compet author ec member state envisag act includ annex paragraph protocol appli purpos agreement act refer insur life insur council direct eec februari abolit restrict freedom establish freedom provid servic respect reinsur retrocess oj provis direct purpos present agreement read adapt articl appli council direct eec juli coordin law regul administr provis relat take pursuit busi direct insur life assur oj amend council direct eec june oj council direct eec decemb amend tourist assist direct eec coordin law regul administr provis relat take pursuit busi direct insur life assur oj council direct eec june amend credit assur suretyship assur direct eec oj council direct eec june coordin law regul administr provis relat legal expens insur oj council direct eec june coordin law regul administr provis relat direct insur life assur lai provis facilit effect exercis freedom provid servic amend direct eec oj council direct eec novemb amend motor vehicl liabil insur direct eec direct eec concern coordin law regul administr provis relat direct insur life assur oj provis direct purpos present agreement read adapt ad articl iceland húsatryggingar reykjavíkurborgar vi slagatryg island switzerland aargau aargauisch versicherungsamt aarau appenzel ausser rhoden brand und elementarschadenversicherung appenzel ar herisau basel land basellandschaftlich gebäudeversicherung liestal basel stadt gebäudeversicherung de kanton basel stadt basel bern bern gebäudeversicherung de kanton bern bern assur immobilièr du canton de bern bern fribourg freiburg etabliss canton assur de bâtiment du canton de fribourg fribourg kantonal gebäudeversicherungsanstalt freiburg freiburg glaru kantonal sachversicherung glaru glaru graubünden grigioni grischun gebäudeversicherungsanstalt de kanton graubünden chur istituto assicurazion fabbricati del canton dei grigioni coira institut dil cantun grischun assicuranza da baghetg cuera jura assur immobilièr de la républiqu canton du jura saignelégi luzern gebäudeversicherung de kanton luzern luzern neuchâtel etabliss canton assur immobilièr contr incendi neuchâtel nidwalden nidwaldn sachversicherung stan schaffhausen gebäudeversicherung de kanton schaffhausen schaffhausen solothurn solothurnisch gebäudeversicherung solothurn st gallen gebäudeversicherungsanstalt de kanton st gallen st gallen thurgau gebäudeversicherung de kanton thurgau frauenfeld vaud etabliss assur contr incendi le élément naturel du canton de vaud lausann zug gebäudeversicherung de kanton zug zug zürich gebäudeversicherung de kanton zürich zürich ad articl case austria aktiengesellschaft versicherungsverein auf gegenseitigkeit case finland keskinäinen vakuutusyhtiö ömsesidigt försäkringsbolag vakuutusosakeyhtiö fösäkringsaktiebolag vakuutusyhdisti försäkringsfören case iceland hlutafélag gagnkvæmt félag case liechtenstein aktiengesellschaft genossenschaft case norwai aksjeselskap gjensidig selskap case sweden försäkringsaktiebolag ömsesidiga försäkringsbolag understödsföreningar case switzerland aktiengesellschaft société anonym società anonima genossenschaft société coopér società cooperativa articl appli provis applic contract parti mean agreement conclud countri agre applic provis provid articl direct condit insur person adequ equival protect contract parti inform consult prior conclud agreement contract parti appli branch insur undertak head offic territori contract parti provis result favour treatment accord branch insur undertak head offic territori contract parti articl appli provis applic life insur undertak identifi separ finland iceland norwai exempt articl compet supervisori author requir undertak meet requir articl januari prior date eea joint committe examin financi situat undertak meet requir make recommend long insur undertak fail meet requir articl establish branch provid servic territori contract parti undertak desir extend oper mean articl articl compli immedi rule direct relat countri insur undertak articl articl council direct eec appli view achiev maximum degre converg applic countri regim insur undertak contract parti exchang inform articl consult held matter refer articl framework eea joint committe specif procedur agre contract parti author grant compet author contract parti insur undertak direct indirect subsidiari parent undertak govern law countri valid accord provis direct territori contract parti countri impos quantit restrict establish insur undertak efta state impos restrict insur undertak impos commun insur undertak author grant compet author commun insur undertak direct indirect subsidiari parent undertak govern law countri valid commun efta state decid jurisdict commun decid decis author insur undertak direct indirect subsidiari parent undertak govern law countri limit suspend author grant compet author efta state insur undertak valid jurisdict contract parti decid jurisdict limit suspens refer subparagraph appli insur undertak subsidiari author territori contract parti commun negoti countri basi articl order obtain nation treatment effect market access insur undertak endeavour obtain equal treatment insur undertak efta state council direct eec juli abolish restrict freedom establish busi direct insur life assur oj provis direct purpos agreement read adapt articl appli council direct eec coordin law regul administr provis relat commun insur oj provis direct purpos agreement read adapt articl appli council direct eec decemb amend tourist assist direct eec coordin law regul administr provis relat take pursuit busi direct insur life assur oj council direct eec june coordin law regul administr provis relat legal expens insur oj council direct eec june coordin law regul administr provis relat direct insur life assur lai provis facilit effect exercis freedom provid servic amend direct eec oj amend council direct eec novemb amend motor vehicl liabil insur direct eec direct eec concern coordin law regul administr provis relat direct insur life assur oj ii motor insur council direct eec april approxim law member state relat insur civil liabil respect motor vehicl enforc oblig insur liabil oj amend council direct eec decemb oj council direct eec decemb approxim law member state relat insur civil liabil respect motor vehicl oj council direct eec approxim law member state relat insur civil liabil respect motor vehicl oj commiss decis relat applic council direct eec oj council direct eec decemb approxim law member state relat insur civil liabil respect motor vehicl oj amend council direct eec approxim law member state relat insur civil liabil respect motor vehicl oj council direct eec approxim law member state relat insur civil liabil respect motor vehicl oj iii life assur council direct eec march coordin law regul administr provis relat take pursuit busi direct life assur oj amend council direct eec novemb coordin law regul administr provis relat direct life assur lai provis facilit effect exercis freedom provid servic amend direct eec oj provis direct purpos agreement read adapt ad articl direct concern pension activ pension insur undertak prescrib employe pension act tel relat finnish legisl finnish author discriminatori manner nation compani contract parti perform finnish legisl activ articl relat exempt mean ownership particip exist insur compani group creation particip insur compani group includ pension insur compani ad articl case austria aktiengesellschaft versicherungsverein auf gegenseitigkeit case finland keskinäinen vakuutusyhtiö ömsesidigt försäkringsbolag vakuutusosakeyhtiö försäkringsaktiebolag vakuutusyhdisti försäkringsfören case iceland hlutafélag gagnkvæmt félag case liechtenstein aktiengesellschaft genossenschaft stiftung case norwai aksjeselskap gjensidig selskap case sweden försäkringsaktiebolag ömsesidiga försäkringsbolag understödsföreningar case switzerland aktiengesellschaft société anonym società anonima genossenschaft société coopér società cooperativa stiftung fondat fondazion articl appli provis applic life assur undertak identifi separ iceland exempt articl compet supervisori author requir undertak meet requir articl januari prior date eea joint committe examin financi situat undertak meet requir make recommend long insur undertak fail meet requir articl establish branch provid servic territori contract parti undertak desir extend oper mean articl articl compli immedi rule direct articl appli provis applic contract parti mean agreement conclud countri agre applic provis provid articl direct condit insur person adequ equival protect contract parti inform consult prior conclud agreement contract parti appli branch insur undertak head offic territori contract parti provis result favour treatment accord branch insur undertak head offic territori contract parti relat countri insur undertak articl articl council direct eec appli view achiev maximum degre converg applic countri regim insur undertak contract parti exchang inform articl consult held matter refer articl framework eea joint committe specif procedur agre contract parti author grant compet author contract parti insur undertak direct indirect subsidiari parent undertak govern law countri valid accord provis direct territori contract parti countri impos quantit restrict establish insur undertak efta state impos restrict insur undertak impos commun insur undertak author grant compet author commun insur undertak direct indirect subsidiari parent undertak govern law countri valid commun efta state decid jurisdict commun decid decis author insur undertak direct indirect subsidiari parent undertak govern law countri limit suspend author grant compet author efta state insur undertak valid jurisdict contract parti decid jurisdict limit suspens refer subparagraph appli insur undertak subsidiari author territori contract parti commun negoti countri basi order obtain nation treatment effect market access insur undertak endeavour obtain equal treatment insur undertak efta state articl word time notif direct replac time signatur eea agreement council direct eec novemb coordin law regul administr provis relat direct life assur lai provis facilit effect exercis freedom provid servic amend direct eec oj provis direct purpos agreement read adapt articl adapt council direct eec iv issu council direct eec decemb measur facilit effect exercis freedom establish freedom provid servic respect activ insur agent broker isic group transit measur respect activ oj provis direct purpos present agreement read adapt ad articl austria versicherungsmakl rückversicherungsmakl finland vakuutuksenvälittäjä försäkringsmäklar iceland vátryggingami slari liechtenstein versicherungsmakl norwai forsikringsmegl sweden försäkringsmäklar switzerland versicherungsmakl courtier en assur mediator assicurazion broker ad articl austria versicherungsvertret finland vakuutusasiami försäkringsombud iceland vátryggingaumbo ssma sur liechtenstein versicherung generalag versicherungsag versicherungsinspektor norwai assurandør agent sweden försäkringsombud switzerland versicherung generalag agent général assur agent general assicurazion versicherungsag agent assur agent assicurazion versicherungsinspektor inspecteur assur ispettor assicurazion ad articl iceland vátryggingasöluma sur norwai underag ii bank credit institut coordin legisl establish freedom provid servic council direct eec june abolit restrict freedom establish freedom provid servic respect emploi activ bank financi institut oj amend oj oj provis direct purpos agreement read adapt articl direct appli articl direct word articl replac annex ii categori council direct eec decemb coordin law regul administr provis relat take pursuit busi credit institut oj amend council direct eec octob amend direct eec respect list perman exclus credit institut oj council direct eec decemb coordin law regul administr provis relat take pursuit busi credit institut amend direct eec oj provis direct purpos agreement read adapt articl direct appli ad articl austria enterpris recogn build associ public benefit iceland quot byggingarsjodir rikisin quot liechtenstein quot liechtensteinisch landesbank quot sweden quot svenska skeppshypotekskassan quot iceland implement provis direct januari council direct eec decemb coordin law regul administr provis relat take pursuit busi credit institut amend direct eec oj provis direct purpos agreement read adapt relat countri credit institut articl direct appli view achiev maximum degre converg applic countri regim credit institut contract parti exchang inform articl consult held matter refer articl framework eea joint committe specif procedur agre contract parti author grant compet author contract parti credit institut direct indirect subsidiari parent undertak govern law countri valid accord provis direct territori contract parti countri impos quantit restrict establish credit institut efta state impos restrict credit institut impos commun credit institut author grant compet author commun credit institut direct indirect subsidiari parent undertak govern law countri valid commun efta state decid jurisdict commun decid decis author credit institut direct indirect subsidiari parent undertak govern law countri limit suspend author grant compet author efta state credit institut valid jurisdict contract parti decid jurisdict limit suspens refer subparagraph appli credit institut subsidiari author territori contract parti commun negoti countri basi articl order obtain nation treatment effect market access credit institut endeavour obtain equal treatment credit institut efta state articl word direct implement replac eea agreement enter forc word date notif direct replac date signatur eea agreement iceland implement provis direct januari transit period recogn accord provis direct author grant credit institut compet author contract parti author grant credit institut compet iceland author eea wide valid full applic direct ii prudenti requir regul council direct eec april fund credit institut oj council direct eec decemb solvenc ratio credit institut oj provis direct purpos agreement read adapt loan fulli complet secur share finnish residenti hous compani oper accord finnish hous compani act subsequ equival legisl weight appli mortgag residenti properti accord rule set articl direct articl appli austria iceland austria finland januari establish system identif credit institut unabl meet requir articl direct credit institut compet author measur ensur solvenc ratio met quickli januari credit institut question reach solvenc ratio compet author austria finland relat articl council direct eec regard financi situat credit institut inadequ commiss direct eec decemb adapt technic definit multilater develop bank council direct eec decemb solvenc ratio credit institut oj iii supervis account council direct eec june supervis credit institut consolid basi oj council direct eec decemb annual account consolid account bank financi institut oj provis direct purpos agreement read adapt austria norwai sweden implement provis direct januari liechtenstein switzerland januari transit period mutual recognit annual account publish credit institut contract parti rel branch council direct eec februari oblig branch establish member state credit institut financi institut head offic member state public annual account document oj provis direct purpos agreement read adapt articl appli council direct eec june prevent financi system purpos monei launder oj modal associ efta state accord articl agreement expert efta state particip task contact committe monei launder articl regard involv expert efta state task articl relev provis agreement appli ec commiss due time inform particip date meet committe transmit relev document iii stock exchang secur stock exchang list transact council direct eec march coordin condit admiss secur offici stock exchang list oj amend council direct eec decemb inform publish major hold list compani acquir dispos oj provis direct purpos agreement read adapt iceland switzerland implement provis direct januari transit period countri provid exchang inform compet author contract parti rel issu regul direct council direct eec march coordin requir draw scrutini distribut list particular publish admiss secur offici stock exchang list oj amend council direct eec june oj council direct eec april amend direct eec respect mutual recognit public offer prospectus stock exchang list particular oj provis direct purpos agreement read adapt articl direct introduc direct eec appli iceland switzerland implement provis direct januari transit period countri provid exchang inform compet author contract parti rel issu regul direct council direct eec februari inform publish regular basi compani share admit offici stock exchang list oj provis direct purpos agreement read adapt iceland switzerland implement provis direct januari transit period countri provid exchang inform compet author contract parti rel issu regul direct council direct eec decemb inform publish major hold list compani acquir dispos oj provis direct purpos agreement read adapt iceland switzerland liechtenstein implement provis direct januari transit period countri provid exchang inform compet author contract parti rel issu regul direct council direct eec april coordin requir draw scrutini distribut prospectu publish transfer secur offer public oj provis direct purpos agreement read adapt provis articl direct appli iceland switzerland liechtenstein implement provis direct januari transit period countri provid exchang inform compet author contract parti rel issu regul direct council direct eec novemb coordin regul insid deal oj provis direct purpos agreement read adapt austria iceland switzerland liechtenstein implement provis direct januari transit period countri provid exchang inform compet author contract parti rel issu regul direct articl appli ii undertak collect invest transfer secur ucit council direct eec decemb coordin law regul administr provis relat undertak collect invest transfer secur ucit oj amend council direct eec march amend concern invest polici ucit direct eec oj provis direct purpos agreement read adapt articl word date implement direct replac date entri forc eea agreement act contract parti note contract parti note content act commiss recommend eec februari member state applic council direct april oj commiss recommend eec januari acceler settlement claim insur civil liabil respect motor vehicl oj council recommend eec decemb subparagraph articl council direct eec oj commiss recommend eec decemb monitor control larg exposur credit institut oj commiss recommend eec decemb introduct deposit guarante scheme commun oj commiss recommend eec februari transpar bank condit relat cross border financi transact eec oj