Common use of CONTRACT FRAMEWORK Clause in Contracts

CONTRACT FRAMEWORK. 46 7.1 EXCESS PERIOD 46 7.2. DATE OF EFFECT AND DURATION 46 7.3. CESSATION OF COVERAGE 46 7 4.WHAT ARE THE LIMITS IN THE EVENT OF FORCE MAJEURE OR OTHER EQUIVALENT EVENTS? 47 7.5. EXCEPTIONAL CIRCUMSTANCES 47 7.6. WHAT ARE THE GENERAL EXCLUSIONS APPLICABLE TO THE CONTRACT? 48 7.7. HOW IS PROPERTY DAMAGE COVERED BY THE INSURANCE POLICY ASSESSED? 48 7.8. INSURANCE COVERAGE: WHEN WILL I RECEIVE MY COMPENSATION? 48 7.9. SUBROGATION 49 7.10. RENOUNCEMENT FOR MULTIPLE COVERAGE 49 7.11. WHAT ARE THE STATUTES OF LIMITATION? 49 7.12. COMPLAINTS - DISPUTES 50 7.13. INSPECTION AUTHORITY 51 7.14. DATA PRIVACY 51 APPENDIX 1 42 This collective insurance contract has been subscribed by AVI INTERNATIONAL with EUROP ASSISTANCE, also acting in the name and on behalf of its Irish branch, EUROP ASSISTANCE SA IRISH BRANCH. AVI International – Les Assurances de Paris, simplified joint stock insurance and reinsurance brokerage company with a share capital of 100,000 euros, registered with the ORIAS under n° 07 000 002 and with the Paris company registration office under the number 323 234 575, with its headquarters at 00-00, xxx xx Xxxxxxxxxx, 00000 Xxxxx. EUROP ASSISTANCE, a French company with a share capital of 35,402,786 €, registered at the Nanterre company register office under the number 451 366 405, a company governed by the French Insurance Code having its headquarters at 0 Xxxxxxxxx xx xx Xxxxxxxx – 92230 GENNEVILLIERS. Also acting in the name and on behalf of its Irish branch, of which the trading name is EUROP ASSISTANCE SA IRISH BRANCH, and of which the main establishment is at 0xx Xxxxx, 0-0 Xxxx Xxxx, Xxxxxx 0, X00 X0X0, Ireland, registered in Ireland under certificate n° 907089. In the event of admission to hospital: Mandatory call to the Assistance Centre Maximum for all countries except Europe : 200 000 € Maximum for Europe : 100 000 € Excess per claim: NONE Other than hospitalization Up to 100% of real costs Maximum for all countries except Europe : 200 000 € Maximum for Europe : 100 000 € Excess per claim: NONE Medical expenses in the usual country of residence following repatriation consecutive to an accident Maximum of 1,500 € within the limit of 31 days and after refunds by social security and private health insurance Reeducation, kinesiotherapy, chiropractic following an accident Real costs limited to medical expenses Emergency dental care Maximum per person: 150 € Dental care consecutive to an accident (orthodontic treatment) including in the country of residence Maximum per person and per tooth: 500 € Optical expenses (spectacles/contact lenses) consecutive to an accident Maximum 400 € Dispatch of essential medication unobtainable locally Real costs Repatriation of the policy holder to their home Real costs Return of an accompanying policy holder 1st class travel or economy class flight Payment of a travel ticket for a member of the policy holder’s family (in the event of extended hospitalization or for the identification of the policy holder’s body) Maximum per person: 2,000 € if hospitalization is in excess of 5 days (one person) Accommodation expenses for a member of the family (in the event of extended hospitalization or for the identification of the policy holder’s body) 75 € per night limited to 525 € (one person) Payment of the extended trip costs for the accompanying party 75 € per night limited to 525 € (one person) Repatriation of the remains in the event of the death of the policy holder Real costs Coffin costs in the event of the death of the policy holder 2,000 € Early return of the policy holder in the event of the hospitalization or death of a family member Return ticket Real costs Legal assistance in a foreign country Maximum per policy holder: 3,000 € Advance of bail in a foreign country Maximum per policy holder: 7,500 € Advance of funds Maximum per policy holder: 1,000 € Transmission of urgent messages Real costs Search and rescue costs Maximum per policy holder: 2,000 € Baggage loss, theft or damage Maximum per policy holder: 1,000 € Limit per item: 300 € per item Maximum valuables: 300 € Death benefit Amount per policy holder: 15,000 € Permanent accidental disability benefit Maximum per policy holder : 75,000 € Relative excess for disability: NONE Private civil liability in a foreign country Maximum physical injury liability: 750,000 € Maximum property liability: 450,000 € Legal assistance included

CONTRACT FRAMEWORK. 46 7.1 EXCESS PERIOD 46 7.2. DATE OF EFFECT AND DURATION 46 7.3. CESSATION OF COVERAGE 46 7 4.WHAT ARE THE LIMITS IN THE EVENT OF FORCE MAJEURE OR OTHER EQUIVALENT EVENTS? 47 7.5. EXCEPTIONAL CIRCUMSTANCES 47 7.6. WHAT ARE THE GENERAL EXCLUSIONS APPLICABLE TO THE CONTRACT? 48 7.7. HOW IS PROPERTY DAMAGE COVERED BY THE INSURANCE POLICY ASSESSED? 48 7.8. INSURANCE COVERAGE: WHEN WILL I RECEIVE MY COMPENSATION? 48 7.9. SUBROGATION 49 7.10. RENOUNCEMENT FOR MULTIPLE COVERAGE 49 7.11. WHAT ARE THE STATUTES OF LIMITATION? 49 7.12. COMPLAINTS - DISPUTES 50 7.13. INSPECTION AUTHORITY 51 7.14. DATA PRIVACY 51 APPENDIX 1 42 This collective insurance contract has been subscribed by AVI INTERNATIONAL with EUROP ASSISTANCE, also acting in the name and on behalf of its Irish branch, EUROP ASSISTANCE SA IRISH BRANCH. AVI International – Les Assurances de Paris, simplified joint stock insurance and reinsurance brokerage company with a share capital of 100,000 euros, registered with the ORIAS under n° 07 000 002 and with the Paris company registration office under the number 323 234 575, with its headquarters at 00-00, xxx xx Xxxxxxxxxx, 00000 Xxxxx. EUROP ASSISTANCE, a French company with a share capital of 35,402,786 €, registered at the Nanterre company register office under the number 451 366 405, a company governed by the French Insurance Code having its headquarters at 0 Xxxxxxxxx xx xx Xxxxxxxx – 92230 GENNEVILLIERS. Also acting in the name and on behalf of its Irish branch, of which the trading name is EUROP ASSISTANCE SA IRISH BRANCH, and of which the main establishment is at 0xx Xxxxx, 0-0 Xxxx Xxxx, Xxxxxx 0, X00 X0X0, Ireland, registered in Ireland under certificate n° 907089. In the event of admission to hospital: Mandatory call to the Assistance Centre Maximum for all countries except Europe : 200 300 000 € Maximum for Europe : 100 000 € Excess per claim: NONE Other than hospitalization Up to 100% of real costs Maximum for all countries except Europe : 200 300 000 € Maximum for Europe : 100 000 € Excess per claim: NONE Medical expenses in the usual country of residence following repatriation consecutive to an accident Maximum of 1,500 € within the limit of 31 days and after refunds by social security and private health insurance Reeducation, kinesiotherapy, chiropractic following an accident Real costs limited to medical expenses Emergency dental care Maximum per person: 150 € Dental care consecutive to an accident (orthodontic treatment) including in the country of residence Maximum per person and per tooth: 500 € Optical expenses (spectacles/contact lenses) consecutive to an accident Maximum 400 € Dispatch of essential medication unobtainable locally Real costs Repatriation of the policy holder to their home Real costs Return of an accompanying policy holder 1st class travel or economy class flight Payment of a travel ticket for a member of the policy holder’s family (in the event of extended hospitalization or for the identification of the policy holder’s body) Maximum per person: 2,000 € if hospitalization is in excess of 5 days (one person) Accommodation expenses for a member of the family (in the event of extended hospitalization or for the identification of the policy holder’s body) 75 € per night limited to 525 € (one person) Payment of the extended trip costs for the accompanying party 75 € per night limited to 525 € (one person) Repatriation of the remains in the event of the death of the policy holder Real costs Coffin costs in the event of the death of the policy holder 2,000 € Early return of the policy holder in the event of the hospitalization or death of a family member Return ticket Real costs Legal assistance in a foreign country Maximum per policy holder: 3,000 € Advance of bail in a foreign country Maximum per policy holder: 7,500 € Advance of funds Maximum per policy holder: 1,000 € Transmission of urgent messages Real costs Search and rescue costs Maximum per policy holder: 2,000 € Baggage loss, theft or damage Maximum per policy holder: 1,000 2,000 € Limit per item: 300 € per item Maximum valuables: 300 € Death benefit Amount per policy holder: 15,000 € Permanent accidental disability benefit Maximum per policy holder : 75,000 € Relative excess for disability: NONE Private civil liability in a foreign country Maximum physical injury liability: 750,000 € Maximum property liability: 450,000 € Legal assistance included