Common use of GENERAL EXCLUSIONS Clause in Contracts

GENERAL EXCLUSIONS. 6.1 For this insurance, the right to payment does not exist, or the insurance contract will be terminated, if: a. It appears that the insured person has made (one) incorrect statement(s) regarding his health when taking out the insurance or if it appears that the insured is otherwise acting or has acted in conflict with obligations under Title 7.17 of the Dutch Civil Code; b. an insured person has died as a result of a crime committed by a beneficiary and/or as a result of a deliberate act, deliberate negligence or gross negligence on the part of a beneficiary; this only applies to the extent that the payment would directly/indirectly benefit the beneficiary; c. the death is the result of: - participation in combat operations as a soldier in war zones during war missions and humanitarian missions. For Dutch soldiers or civil servants employed by the Ministry of Defence, an agreement has been concluded between the Dutch Association of Insurers and the Ministry of Defence. If there is a mission specially designated by the Ministry of Defence and the requirements set out in the agreement are also met, the insured amount will be paid out or a maximum of EUR 400,000 if the insurer can receive part of this amount back from the Ministry. The complete text of the agreement is available at xxx.xxxxxxxxxxxx.xx; - suicide or attempted suicide. However, this only applies if the (attempted) suicide has taken place within two years after the commencement date or if the insurance has been put back into operation. The will and/or mental state of the insured person will not be taken into account in the assessment of the act or the death as a result thereof. The above does not apply if the death of the insured person is the result of euthanasia in accordance with the standards set by law and/or jurisprudence. An increase in the insured amount (death risk cover) is considered an independent insurance for the purposes of this provision. This means that in the event of (attempted) suicide within two years after the increase in the insured amount, the amount applicable before the increase will be paid out; - an aircraft accident, unless the insured is involved in this accident as: o the passenger on an aircraft;

GENERAL EXCLUSIONS. 6.1 For this insurance, the right to payment does not exist, or the insurance contract will be terminated, if: a. It appears that the insured person has made (one) incorrect statement(s) regarding his health when taking out the insurance or if it appears that the insured is otherwise acting or has acted in conflict with obligations under Title 7.17 of the Dutch Civil Code; b. an insured person has died as a result of a crime committed by a beneficiary and/or as a result of a deliberate act, deliberate negligence or gross negligence on the part of a beneficiary; this only applies to the extent that the payment would directly/indirectly benefit the beneficiary; c. the death is the result of: - participation in combat operations as a soldier in war zones during war missions and humanitarian missions. For Dutch soldiers or civil servants employed by the Ministry of Defence, an agreement has been concluded between the Dutch Association of Insurers and the Ministry of Defence. If there is a mission specially designated by the Ministry of Defence and the requirements set out in the agreement are also met, the insured amount will be paid out or a maximum of EUR 400,000 400.000,- if the insurer can receive part of this amount back from the Ministry. The complete text of the agreement is available at xxx.xxxxxxxxxxxx.xx; - suicide or attempted suicide. However, this only applies if the (attempted) suicide has taken place within two years after the commencement date or if the insurance has been put back into operation. The will and/or mental state of the insured person will not be taken into account in the assessment of the act or the death as a result thereof. The above does not apply if the death of the insured person is the result of euthanasia in accordance with the standards set by law and/or jurisprudence. An increase in the insured amount (death risk cover) is considered an independent insurance for the purposes of this provision. This means that in the event of (attempted) suicide within two years after the increase in the insured amount, the amount applicable before the increase will be paid out; - an aircraft accident, unless the insured is involved in this accident as: o the passenger on an aircraft;

GENERAL EXCLUSIONS. 6.1 For this insurance, the right to payment does not exist, or the insurance contract will be terminated, if: a. It appears that the insured person has made (one) incorrect statement(s) regarding his health when taking out the insurance or if it appears that the insured is otherwise acting or has acted in conflict with obligations under Title 7.17 of the Dutch Civil Code; b. an insured person has died as a result of a crime committed by a beneficiary and/or as a result of a deliberate act, deliberate negligence or gross negligence on the part of a beneficiary; this only applies to the extent that the payment would directly/indirectly benefit the beneficiary; c. the death is the result of: - participation in combat operations as a soldier in war zones during war missions and humanitarian missions. For Dutch soldiers or civil servants employed by the Ministry of Defence, an agreement has been concluded between the Dutch Association of Insurers and the Ministry of Defence. If there is a mission specially designated by the Ministry of Defence and the requirements set out in the agreement are also met, the insured amount will be paid out or a maximum of EUR 400,000 400.000,- if the insurer can receive part of this amount back from the Ministry. The complete text of the agreement is available at xxx.xxxxxxxxxxxx.xx; - suicide or attempted suicide. However, this only applies if the (attempted) suicide has taken place within two years after the commencement date or if the insurance has been put back into operation. The will and/or mental state of the insured person will not be taken into account in the assessment of the act or the death as a result thereof. The above does not apply if the death of the insured person is the result of euthanasia in accordance with the standards set by law and/or jurisprudence. An increase in the insured amount 5 (death risk cover) is considered an independent insurance for the purposes of this provision. This means that in the event of (attempted) suicide within two years after the increase in the insured amount, the amount applicable before the increase will be paid out; - an aircraft accident, unless the insured is involved in this accident as: o the passenger on an aircraft; o a member of the regular flying personnel (unless as a test pilot); o working for a civil air transport company;

GENERAL EXCLUSIONS. 6.1 For this insurance, the right to payment does not exist, or the insurance contract will be terminated, if: a. It appears that the insured person has made (one) incorrect statement(s) regarding his health when taking out the insurance or if it appears that the insured is otherwise acting or has acted in conflict with obligations under Title 7.17 of the Dutch Civil Code; b. an insured person has died as a result of a crime committed by a beneficiary and/or as a result of a deliberate act, deliberate negligence or gross negligence on the part of a beneficiary; this only applies to the extent that the payment would directly/indirectly benefit the beneficiary; c. the death is the result of: - participation in combat operations as a soldier in war zones during war missions and humanitarian missions. For Dutch soldiers or civil servants employed by the Ministry of Defence, an agreement has been concluded between the Dutch Association of Insurers and the Ministry of Defence. If there is a mission specially designated by the Ministry of Defence and the requirements set out in the agreement are also met, the insured amount will be paid out or a maximum of EUR 400,000 if the insurer can receive part of this amount back from the Ministry. The complete text of the agreement is available at xxx.xxxxxxxxxxxx.xx; - suicide or attempted suicide. However, this only applies if the (attempted) suicide has taken place within two years after the commencement date or if the insurance has been put back into operation. The will and/or mental state of the insured person will not be taken into account in the assessment of the act or the death as a result thereof. The above does not apply if the death of the insured person is the result of euthanasia in accordance with the standards set by law and/or jurisprudence. An increase in the insured amount 5 (death risk cover) is considered an independent insurance for the purposes of this provision. This means that in the event of (attempted) suicide within two years after the increase in the insured amount, the amount applicable before the increase will be paid out; - an aircraft accident, unless the insured is involved in this accident as: o the passenger on an aircraft; o a member of the regular flying personnel (unless as a test pilot); o working for a civil air transport company;

GENERAL EXCLUSIONS. 6.1 For this insurance, the right to payment does not exist, or the insurance contract will be terminated, if: a. It appears that the insured person has made (one) incorrect statement(s) regarding his health when taking out the insurance or if it appears that the insured is otherwise acting or has acted in conflict with obligations under Title 7.17 of the Dutch Civil Code; b. an insured person has died as a result of a crime committed by a beneficiary and/or as a result of a deliberate act, deliberate negligence or gross negligence on the part of a beneficiary; this only applies to the extent that the payment would directly/indirectly benefit the beneficiary; c. the death is the result of: - participation in combat operations as a soldier in war zones during war missions and humanitarian missions. For Dutch soldiers or civil servants employed by the Ministry of Defence, an agreement has been concluded between the Dutch Association of Insurers and the Ministry of Defence. If there is a mission specially designated by the Ministry of Defence and the requirements set out in the agreement are also met, the insured amount will be paid out or a maximum of EUR 400,000 if the insurer can receive part of this amount back from the Ministry. The complete text of the agreement is available at xxx.xxxxxxxxxxxx.xx; - suicide or attempted suicide. However, this only applies if the (attempted) suicide has taken place within two years after the commencement date or if the insurance has been put back into operation. The will and/or mental state of the insured person will not be taken into account in the assessment of the act or the death as a result thereof. The above does not apply if the death of the insured person is the result of euthanasia in accordance with the standards set by law and/or jurisprudence. An increase in the insured amount (death risk cover) is considered an independent insurance for the purposes of this provision. This means that in the event of (attempted) suicide within two years after the increase in the insured amount, the amount applicable before the increase will be paid out; - an aircraft accident, unless the insured is involved in this accident as: o the passenger on an aircraft; o a member of the regular flying personnel (unless as a test pilot); o working for a civil air transport company;

GENERAL EXCLUSIONS. 6.1 For this insurance, the right to payment does not exist, or the insurance contract will be terminated, if: a. It appears that the insured person has made (one) incorrect statement(s) regarding his health when taking out the insurance or if it appears that the insured is otherwise acting or has acted in conflict with obligations under Title 7.17 of the Dutch Civil Code; b. an insured person has died as a result of a crime committed by a beneficiary and/or as a result of a deliberate act, deliberate negligence or gross negligence on the part of a beneficiary; this only applies to the extent that the payment would directly/indirectly benefit the beneficiary; c. the death is the result of: - participation in combat operations as a soldier in war zones during war missions and humanitarian missions. For Dutch soldiers or civil servants employed by the Ministry of Defence, an agreement has been concluded between the Dutch Association of Insurers and the Ministry of Defence. If there is a mission specially designated by the Ministry of Defence and the requirements set out in the agreement are also met, the insured amount will be paid out or a maximum of EUR 400,000 400.000,- if the insurer can receive part of this amount back from the Ministry. The complete text of the agreement is available at xxx.xxxxxxxxxxxx.xx; - suicide or attempted suicide. However, this only applies if the (attempted) suicide has taken place within two years after the commencement date or if the insurance has been put back into operation. The will and/or mental state of the insured person will not be taken into account in the assessment of the act or the death as a result thereof. The above does not apply if the death of the insured person is the result of euthanasia in accordance with the standards set by law and/or jurisprudence. An increase in the insured amount (death risk cover) is considered an independent insurance for the purposes of this provision. This means that in the event of (attempted) suicide within two years after the increase in the insured amount, the amount applicable before the increase will be paid out; - an aircraft accident, unless the insured is involved in this accident as: o the passenger on an aircraft; o a member of the regular flying personnel (unless as a test pilot); o working for a civil air transport company;

GENERAL EXCLUSIONS. 6.1 For this insurance, the right to payment does not exist, or the insurance contract will be terminated, if: a. It it appears that the insured person has made (one) incorrect statement(s) regarding his health when taking out the insurance or if it appears that the insured is otherwise acting or has acted in conflict with obligations under Title 7.17 of the Dutch Civil Code; b. an insured person has died as a result of a crime committed by a beneficiary and/or as a result of a deliberate act, deliberate negligence or gross negligence on the part of a beneficiary; this only applies to the extent that the payment would directly/indirectly benefit the beneficiary; c. the death is the result of: - • participation in combat operations as a soldier in war zones during war missions and humanitarian missions. For Dutch soldiers or civil servants employed by the Ministry of Defence, an agreement has been concluded between the Dutch Association of Insurers and the Ministry of Defence. If there is a mission specially designated by the Ministry of Defence and the requirements set out in the agreement are also met, the insured amount will be paid out or a maximum of EUR 400,000 if the insurer can receive part of this amount back from the Ministry. The complete text of the agreement is available at xxx.xxxxxxxxxxxx.xx; - xxx.xxxxxxxxxxxx.xx;‌‌ • suicide or attempted suicide. However, this only applies if the (attempted) suicide has taken place within two years after the commencement date or if the insurance has been put back into operation. The will and/or mental state of the insured person will not be taken into account in the assessment of the act or the death as a result thereof. The above does not apply if the death of the insured person is the result of euthanasia in accordance with the standards set by law and/or jurisprudence. An increase in the insured amount (death risk cover) is considered an independent insurance for the purposes of this provision. This means that in the event of (attempted) suicide within two years after the increase in the insured amount, the amount applicable before the increase will be paid out; - • an aircraft accident, unless the insured is involved in this accident as: o • the passenger on an aircraft; • a member of the regular flying personnel (unless as a test pilot); • working for a civil air transport company; • a member of the armed forces’ reserve staff for refresher training; • a civilian pilot of an aircraft, provided that he is legally entitled to do so. d. it appears that the policyholder, the insured or any other interested party is included on an (inter) national sanctions list; e. as (inter)national sanctions legislation prohibits the insurer from implementing the insurance; f. if the policyholder or the insured party does not cooperate in determining the ultimate interested party of a (legal) person who is interested in the insurance.