(a)

features characterising the PEPP saver’s skills and abilities, including the level of education, knowledge of and experience with other pension products, long-term investment products or selling practices and the PEPP saver’s vulnerability;

(b)

features characterising the PEPP saver’s economic situation, including income, wealth and the degree of dependence on the PEPP for an adequate retirement income;

(c)

the PEPP saver’s core financial objectives, including pension savings and need for risk coverage, including biometric risks;

(d)

whether the PEPP is being sold to a PEPP saver outside the intended target market, or whether the target market has not been adequately identified;

(e)

the eligibility for coverage by a national guarantee scheme, where such schemes exist.