BEAR CERTIFICATE - GJENSIDIGE FORSIKR Stock

Gjensidige Forsikring ASA is a Norway-based general insurance provider. It is the parent company within the Gjensidige group. Its product portfolio comprises such types of insurance, as car, home, vacation home, personal property, boat, valuables, life and health, pet, travel, student abroad and youth insurance. The Company has general insurance operations in Norway, Denmark, Sweden and the Baltic states, in addition to pension operations in Norway. The general insurance operations include both property insurance and accident and health insurance. The Norwegian general insurance operations also include life insurance, which is pure risk insurance with a duration of up to one year, largely group life insurance.