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(1) (in relation to PROD 1.1.3R, PROD 1.3 and PROD 3) offering, recommending or selling an investment or providing an investment service to a client.121[Note: recital 15 to the MiFID Delegated Directive](2) (in relation to ICOBS 1, ICOBS 6B,140 an overseas non-investment insurance product,152 PROD 1.4 and PROD 4) advising on or proposing a contract of insurance to a customer.121130132 (3) (in relation to PROD 1.4.3AG, 1.4.3BR and 1.4.3CG, PROD 1.6.1R and PROD 6) arranging a funeral plan contract or a default option151.(4) (in relation to PROD 1.7 and PROD 7) advising on or proposing a funeral plan contract.141(5) (in PRIN) in relation to a retail customer, offering, selling, recommending, advising on, arranging, dealing, proposing or providing a product (including a renewal).149For the purposes of this definition retail customer has the same meaning as in PRIN.149153(6) (in ESG) in relation to a client, offering, selling, recommending, advising on, arranging, dealing, proposing or providing a sustainability product or a recognised scheme (including an ETF that is a recognised scheme).