ABOUT RAPHAËLLE NICOLET Raphaëlle Nicolet is a lawyer specializing in criminal law, an area in which she has extensive and solid experience. Ms Nicolet works in French, English, Spanish and occasionally in German. She worked for the Vovan Trocadelyo group in Bangkok where she provided advice on Thai law and Swiss law to Swiss nationals and companies, as well as information on legal issues related to Switzerland to Thai nationals. Her mastery of several languages, her professional background covering diverse and varied fields (such as aviation and teaching), as well as her experience of living and working abroad allow her to give sound advice adapted to a large and varied clientele.

Benefiting from an excellent command of English and established in Morges (La Côte) on the shores of Lake Geneva since 1945, the de Luze notarial office can assist and support you with your projects in every field of notarial work: real estate, family matters, marriages, unions, inheritance law and company law.

CBWM AVOCATS has been one of the leading law firms in the Lake Geneva region for several decades. We provide comprehensive assistance and representation for our clients before the courts and administrative authorities. We also offer advisory services and in-depth legal analysis, intervening in a variety of ways in the prevention and resolution of conflicts, whether within a company or between heirs, including arbitration, conciliation and mediation. Our expertise covers both private and public law. The quality of our legal services is based on constant attention and a commitment to excellence. We represent and advise a diverse clientele, both Swiss and foreign, including individuals, companies and public authorities, in several languages. Whether in civil, criminal or administrative proceedings, bankruptcy or arbitration, our firm can assist you at every stage. We also draft and analyse contracts that are essential to business life and assist our clients in crucial negotiations. • Planning, building permits and environmental law • Arbitration • Contract law • Administrative and public authority law, public procurement • Commercial and company law • Construction and real estate law • Inheritance law • Employment, civil service and insurance law • Criminal law • Family and divorce • Private wealth and family office • Data protection • Civil liability

Merci maître ce fut un plaisir de collaborer avec vous pour mon divorce. Professionnelle, juste, à l’écoute, je pourrais que la conseiller. Un grand merci.

Très bien

Etude super sérieuse que je fréquente depuis 1988 je ne peux que la recommander pour son sérieux et sa fiabilité.

She founded Etude Hering in March 2012. Isabelle works in English, French and German. With her background and professional experience, Isabelle advises you • in contract law, especially licence, agency, franchise, services and distribution contracts etc., • in intellectual property law, • in IT law • in data privacy law and assists you • at the negotiation table, • as a mediator or coach lawyer in a mediation • in the establishment of your company (start up), and • in the resolution of your swiss or international disputes (conciliation, arbitration and litigation) • as a DPOaaS

The gateway for all your requests Do you have a question about your insurance contract, something to report or need information? Our Customer Services are your first point of contact: www.groupemutuel.ch/contactus Call us or write to us and we will get back to you as soon as possible. Our Customer Services are available Monday to Friday, from 8.00 to 12.00 and from 13.00 to 17.30: Hotline 0848 803 111 l Email clients@groupemutuel.ch One address for your medical invoices (original documents) and correspondence: Groupe Mutuel, Rue des Cèdres 5, 1919 Martigny prestations@groupemutuel.ch In close to 40 agencies and six service centres throughout Switzerland, our staff will be happy to advise you. Opening hours : from 8.00 to 12.00 and from 13.30 to 17.00 (incl. on the eve of public holidays) Make your life easier thanks to your Customer Area • Scan and send your invoices instantly • View your documents and refunds • Modify your contracts and personal details Download the application from your App Store Do you have any questions about the Customer Area? • Your most frequently asked questions about the Customer Area - Groupe Mutuel • Call our hotline on 058 758 71 71 (Monday to Friday, from 8.00 to 18.00) • Write to us at customer.area@groupemutuel.ch

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