The features of investment products for small investors are increasingly complex and there is huge diversity of widely varying products based on securities, insurance and savings. It is factually impossible for consumers to gain an overview of the major aspects of a product from conventional promotional literature and prospectuses. For this reason, the AK demands that there be an “information leaflet” for all savings, insurance and investment products and that it be handed out to consumers in a timely fashion before they enter into the contract.