Common use of WHAT ARE YOUR OBLIGATIONS IN THE EVENT Clause in Contracts

WHAT ARE YOUR OBLIGATIONS IN THE EVENT. OF A CLAIMABLE LOSS? After having contacted your accommodation provider and when the latter has found and dispatched the forgotten item, you should send us your declaration within 10 working days from the postage date, except in cases involving force majeure circumstances or acts of God. Your declaration must be accompanied by: • your policy number, • a copy of your rental agreement, WHAT ARE THE GENERAL EXCLUSIONS APPLICABLE TO ALL OF OUR GUARANTEES? We cannot intervene when your requests for guarantees or services are the consequence of damage resulting from:  Services which have not been requested during the trip or which have not been organized by us, or in agreement with us, do not give the right, a posteriori, to a refund or compensation,  Expenses for dining, hotel, except those specified in the description of guarantees,  Damage intentionally caused by the Insured and that resulting from his participation in a crime, an offense or an altercation, except in the case of self-defence,  The amount of convictions and their consequences,  The use of narcotics or drugs not prescribed medically,  The state of alcoholic intoxication,  Customs duties,  Participation as a competitor in a competitive sport or in a rally giving the right to national or international ranking which is organized by a sports federation for which a license is issued, as well as training for these competitions, • and the original invoice for the shipment expenses issued by the transport provider chosen to deliver the forgotten Item.  The professional practice of any sport,  Participation in competitions or endurance or speed tests and their preparatory tests, aboard any land, water or air locomotion vehicle,  The consequences of non-compliance with recognized safety rules related to the practice of any leisure sport activity,  Expenses incurred after the return trip or expiration of the guarantee,  Accidents resulting from your participation, even as an amateur, in the following sports: motor sports (regardless of the motor vehicle used), air sports, high mountain mountaineering, bobsleigh, hunting of dangerous animals, ice hockey, skeleton, combat sports, caving, snow sports with an international, national or regional classification,  Voluntary failure to comply with the regulations of the country visited or the practice of activities not authorised by the local authorities,  Official prohibitions, seizures or constraints by the public authorities,  Use by the Insured of air navigation devices,  The use of war devices, explosives and firearms,  Damage resulting from wilful or intentional misconduct by the Insured in accordance with article L.113-1 of the Insurance Code,  Suicide and attempted suicide,  Epidemics, pandemics, pollution, natural disasters, unless otherwise stipulated,  Civil or foreign war, riots, strikes, popular movements, acts of terrorism, hostage-taking,  Disintegration of an atomic nucleus or any irradiation coming from a source of radioactive energy. Under no circumstances may the liability of MUTUAIDE ASSISTANC be engaged for breaches or setbacks in the performance of its obligations resulting from cases of force majeure, or due to events such as civil or foreign war, riots or popular movements, lockouts, strikes, terrorist attacks, acts of terrorism, piracy, storms and hurricanes, earthquakes, cyclones, volcanic eruptions or other cataclysms, the disintegration of an atomic nucleus, the explosion of radioactive nuclear devices and the effects, epidemics, the effects of pollution and natural disasters, the effects of radiation or any other fortuitous event or force majeure, as well as their consequences. Assurances Français). These rights and obligations are set forth in the following pages. This is a group damage insurance policy taken out by “xxxx xxxx” with MUTUAIDE ASSISTANCE for which enrolment is optional. Appendix to article A. 112-1 Advice on exercising your right to a waiver as provided for under article L. 112-10 of the Insurance Code. Please check that you do not already have cover insurance for any of the risks covered by the new contract. If this proves to be the case you are entitled to terminate this contract during the fourteen calendar days from the date it was signed. No charge or penalty is payable if all the following conditions have been met: - you signed the contract for non-work- related purposes - the contract came with the purchase of goods or services you have been sold by a supplier - you can show that you are already covered for one of the risks insured by this new contract - the contract you wish to cancel has not been fully performed - you have not notified any claim covered by this contract. If these conditions are met, you can exercise your right to cancel this contract by letter or in any durable medium sent to the insurer of the new contract, together with documentary proof that you already have cover for one of the risks guaranteed by this new contract. The insurer must reimburse you the premium paid within thirty days of cancellation. If you wish to cancel your contract but do not meet all the above conditions, please check the cancellation procedure stipulated in your contract.

WHAT ARE YOUR OBLIGATIONS IN THE EVENT. OF A CLAIMABLE LOSS? After having contacted your accommodation provider and when the latter has found and dispatched the forgotten item, you should send us your declaration within 10 working days from the postage date, except in cases involving force majeure circumstances or acts of God. Your declaration must be accompanied by: • your policy number, • a copy of your rental agreement, • and the original invoice for the shipment expenses issued by the transport provider chosen to deliver the forgotten Item. WHAT ARE THE GENERAL EXCLUSIONS APPLICABLE TO ALL OF OUR GUARANTEES? We cannot intervene when your requests for guarantees or services are the consequence of damage resulting from:  Services which have not been requested during the trip or which have not been organized by us, or in agreement with us, do not give the right, a posteriori, to a refund or compensation,  Expenses for dining, hotel, except those specified in the description of guarantees,  Damage intentionally caused by the Insured and that resulting from his participation in a crime, an offense or an altercation, except in the case of self-defence,  The amount of convictions and their consequences,  The use of narcotics or drugs not prescribed medically,  The state of alcoholic intoxication,  Customs duties,  Participation as a competitor in a competitive sport or in a rally giving the right to national or international ranking which is organized by a sports federation for which a license is issued, as well as training for these competitions, • and the original invoice for the shipment expenses issued by the transport provider chosen to deliver the forgotten Item.  The professional practice of any sport,  Participation in competitions or endurance or speed tests and their preparatory tests, aboard any land, water or air locomotion vehicle,  The consequences of non-compliance with recognized safety rules related to the practice of any leisure sport activity,  Expenses incurred after the return trip or expiration of the guarantee,  Accidents resulting from your participation, even as an amateur, in the following sports: motor sports (regardless of the motor vehicle used), air sports, high mountain mountaineering, bobsleigh, hunting of dangerous animals, ice hockey, skeleton, combat sports, caving, snow sports with an international, national or regional classification,  Voluntary failure to comply with the regulations of the country visited or the practice of activities not authorised by the local authorities,  Official prohibitions, seizures or constraints by the public authorities,  Use by the Insured of air navigation devices,  The use of war devices, explosives and firearms,  Damage resulting from wilful or intentional misconduct by the Insured in accordance with article L.113-1 of the Insurance Code,  Suicide and attempted suicide,  Epidemics, pandemics, pollution, natural disasters, unless otherwise stipulated,  Civil or foreign war, riots, strikes, popular movements, acts of terrorism, hostage-taking,  Disintegration of an atomic nucleus or any irradiation coming from a source of radioactive energy. Under no circumstances may the liability of MUTUAIDE ASSISTANC be engaged for breaches or setbacks in the performance of its obligations resulting from cases of force majeure, or due to events such as civil or foreign war, riots or popular movements, lockouts, strikes, terrorist attacks, acts of terrorism, piracy, storms and hurricanes, earthquakes, cyclones, volcanic eruptions or other cataclysms, the disintegration of an atomic nucleus, the explosion of radioactive nuclear devices and the effects, epidemics, the effects of pollution and natural disasters, the effects of radiation or any other fortuitous event or force majeure, as well as their consequences. Assurances Français). These rights and obligations are set forth in the following pages. This is a group damage insurance policy taken out by “xxxx xxxx” with MUTUAIDE ASSISTANCE for which enrolment is optional. Appendix to article A. 112-1 Advice on exercising your right to a waiver as provided for under article L. 112-10 of the Insurance Code. Please check that you do not already have cover insurance for any of the risks covered by the new contract. If this proves to be the case you are entitled to terminate this contract during the fourteen calendar days from the date it was signed. No charge or penalty is payable if all the following conditions have been met: - you signed the contract for non-work- related purposes - the contract came with the purchase of goods or services you have been sold by a supplier - you can show that you are already covered for one of the risks insured by this new contract - the contract you wish to cancel has not been fully performed - you have not notified any claim covered by this contract. If these conditions are met, you can exercise your right to cancel this contract by letter or in any durable medium sent to the insurer of the new contract, together with documentary proof that you already have cover for one of the risks guaranteed by this new contract. The insurer must reimburse you the premium paid within thirty days of cancellation. If you wish to cancel your contract but do not meet all the above conditions, please check the cancellation procedure stipulated in your contract.

WHAT ARE YOUR OBLIGATIONS IN THE EVENT. OF A CLAIMABLE LOSS? After having contacted your accommodation provider and when the latter has found and dispatched the forgotten item, you should send us your declaration within 10 working days from the postage date, except in cases involving force majeure circumstances or acts of God. Your declaration must be accompanied by: • your policy number, • a copy of your rental agreement, WHAT ARE THE GENERAL EXCLUSIONS APPLICABLE TO ALL OF OUR GUARANTEES? We cannot intervene when your requests for guarantees or services are the consequence of damage resulting from:  ♦ Services which have not been requested during the trip or which have not been organized by us, or in agreement with us, do not give the right, a posteriori, to a refund or compensation,  ♦ Expenses for dining, hotel, except those specified in the description of guarantees,  ♦ Damage intentionally caused by the Insured and that resulting from his participation in a crime, an offense or an altercation, except in the case of self-defence,  ♦ The amount of convictions and their consequences,  ♦ The use of narcotics or drugs not prescribed medically,  ♦ The state of alcoholic intoxication,  ♦ Customs duties,  ♦ Participation as a competitor in a competitive sport or in a rally giving the right to national or international ranking which is organized by a sports federation for which a license is issued, as well as training for these competitions, • and the original invoice for the shipment expenses issued by the transport provider chosen to deliver the forgotten Item.  ♦ The professional practice of any sport,  ♦ Participation in competitions or endurance or speed tests and their preparatory tests, aboard any land, water or air locomotion vehicle,  ♦ The consequences of non-compliance with recognized safety rules related to the practice of any leisure sport activity,  ♦ Expenses incurred after the return trip or expiration of the guarantee,  ♦ Accidents resulting from your participation, even as an amateur, in the following sports: motor sports (regardless of the motor vehicle used), air sports, high mountain mountaineering, bobsleigh, hunting of dangerous animals, ice hockey, skeleton, combat sports, caving, snow sports with an international, national or regional classification,  ♦ Voluntary failure to comply with the regulations of the country visited or the practice of activities not authorised by the local authorities,  ♦ Official prohibitions, seizures or constraints by the public authorities,  ♦ Use by the Insured of air navigation devices,  ♦ The use of war devices, explosives and firearms,  ♦ Damage resulting from wilful or intentional misconduct by the Insured in accordance with article L.113-1 of the Insurance Code,  ♦ Suicide and attempted suicide,  ♦ Epidemics, pandemics, pollution, natural disasters, unless otherwise stipulated,  ♦ Civil or foreign war, riots, strikes, popular movements, acts of terrorism, hostage-taking,  ♦ Disintegration of an atomic nucleus or any irradiation coming from a source of radioactive energy. Under no circumstances may the liability of MUTUAIDE ASSISTANC be engaged for breaches or setbacks in the performance of its obligations resulting from cases of force majeure, or due to events such as civil or foreign war, riots or popular movements, lockouts, strikes, terrorist attacks, acts of terrorism, piracy, storms and hurricanes, earthquakes, cyclones, volcanic eruptions or other cataclysms, the disintegration of an atomic nucleus, the explosion of radioactive nuclear devices and the effects, epidemics, the effects of pollution and natural disasters, the effects of radiation or any other fortuitous event or force majeure, as well as their consequences. Assurances Français). These rights and obligations are set forth in the following pages. This is a group damage insurance policy taken out by “xxxx xxxx” with MUTUAIDE ASSISTANCE for which enrolment is optional. Appendix to article A. 112-1 Advice on exercising your right to a waiver as provided for under article L. 112-10 of the Insurance Code. Please check that you do not already have cover insurance for any of the risks covered by the new contract. If this proves to be the case you are entitled to terminate this contract during the fourteen calendar days from the date it was signed. No charge or penalty is payable if all the following conditions have been met: - you signed the contract for non-work- related purposes - the contract came with the purchase of goods or services you have been sold by a supplier - you can show that you are already covered for one of the risks insured by this new contract - the contract you wish to cancel has not been fully performed - you have not notified any claim covered by this contract. If these conditions are met, you can exercise your right to cancel this contract by letter or in any durable medium sent to the insurer of the new contract, together with documentary proof that you already have cover for one of the risks guaranteed by this new contract. The insurer must reimburse you the premium paid within thirty days of cancellation. If you wish to cancel your contract but do not meet all the above conditions, please check the cancellation procedure stipulated in your contract.

WHAT ARE YOUR OBLIGATIONS IN THE EVENT. OF A CLAIMABLE LOSS? After having contacted your accommodation provider and when the latter has found and dispatched the forgotten item, you should send us your declaration within 10 working days from the postage date, except in cases involving force majeure circumstances or acts of God. Your declaration must be accompanied by: • your policy number, • a copy of your rental agreement, • and the original invoice for the shipment expenses issued by the transport provider chosen to deliver the forgotten Item. WHAT ARE THE GENERAL EXCLUSIONS APPLICABLE TO ALL OF OUR GUARANTEES? We cannot intervene when your requests for guarantees or services are the consequence of damage resulting from:  Services which have not been requested during the trip or which have not been organized by us, or in agreement with us, do not give the right, a posteriori, to a refund or compensation,  Expenses for dining, hotel, except those specified in the description of guarantees,  Damage intentionally caused by the Insured and that resulting from his participation in a crime, an offense or an altercation, except in the case of self-defence,  The amount of convictions and their consequences,  The use of narcotics or drugs not prescribed medically,  The state of alcoholic intoxication,  Customs duties,  Participation as a competitor in a competitive sport or in a rally giving the right to national or international ranking which is organized by a sports federation for which a license is issued, as well as training for these competitions, • and the original invoice for the shipment expenses issued by the transport provider chosen to deliver the forgotten Item.  The professional practice of any sport,  Participation in competitions or endurance or speed tests and their preparatory tests, aboard any land, water or air locomotion vehicle,  The consequences of non-compliance with recognized safety rules related to the practice of any leisure sport activity,  Expenses incurred after the return trip or expiration of the guarantee,  Accidents resulting from your participation, even as an amateur, in the following sports: motor sports (regardless of the motor vehicle used), air sports, high mountain mountaineering, bobsleigh, hunting of dangerous animals, ice hockey, skeleton, combat sports, caving, snow sports with an international, national or regional classification,  Voluntary failure to comply with the regulations of the country visited or the practice of activities not authorised by the local authorities,  Official prohibitions, seizures or constraints by the public authorities,  Use by the Insured of air navigation devices,  The use of war devices, explosives and firearms,  Damage resulting from wilful or intentional misconduct by the Insured in accordance with article L.113-1 of the Insurance Code,  Suicide and attempted suicide,  Epidemics, pandemics, pollution, natural disasters, unless otherwise stipulated,  Civil or foreign war, riots, strikes, popular movements, acts of terrorism, hostage-taking,  Disintegration of an atomic nucleus or any irradiation coming from a source of radioactive energy. Under no circumstances may the liability of MUTUAIDE ASSISTANC be engaged for breaches or setbacks in the performance of its obligations resulting from cases of force majeure, or due to events such as civil or foreign war, riots or popular movements, lockouts, strikes, terrorist attacks, acts of terrorism, piracy, storms and hurricanes, earthquakes, cyclones, volcanic eruptions or other cataclysms, the disintegration of an atomic nucleus, the explosion of radioactive nuclear devices and the effects, epidemics, the effects of pollution and natural disasters, the effects of radiation or any other fortuitous event or force majeure, as well as their consequences. GENERAL PROVISIONS Like any insurance contract, this one comprises mutual rights and obligations. It is governed by the French Insurance Code (Code des Assurances Français). These rights and obligations are set forth in the following pages. This is a group damage insurance policy taken out by “xxxx xxxx” with MUTUAIDE ASSISTANCE for which enrolment is optional. Appendix to article A. 112-1 Advice on exercising your right to a waiver as provided for under article L. 112-10 of the Insurance Code. Please check that you do not already have cover insurance for any of the risks covered by the new contract. If this proves to be the case you are entitled to terminate this contract during the fourteen calendar days from the date it was signed. No charge or penalty is payable if all the following conditions have been met: - you signed the contract for non-work- related purposes - the contract came with the purchase of goods or services you have been sold by a supplier - you can show that you are already covered for one of the risks insured by this new contract - the contract you wish to cancel has not been fully performed - you have not notified any claim covered by this contract. If these conditions are met, you can exercise your right to cancel this contract by letter or in any durable medium sent to the insurer of the new contract, together with documentary proof that you already have cover for one of the risks guaranteed by this new contract. The insurer must reimburse you the premium paid within thirty days of cancellation. If you wish to cancel your contract but do not meet all the above conditions, please check the cancellation procedure stipulated in your contract. Additional information: The cancellation letter, a model of which is given below, used to exercise this right must be sent by letter or any other sustainable medium to: GRITCHEN TOLEDE ASSOCIES 00 xxx Xxxxxxx Xxxxxx CS 70139 18021 BOURGES cedex "I the undersigned Mr/Ms………….residing at (address) …………..hereby cancel my contract No.……….taken out with Mutuaide assistance pursuant to Article L 112-10 of the French Insurance Code. I hereby certify that on the date this letter is sent, to the best of my knowledge, no loss has occurred that will bring the policy cover into application.” Consequences of cancellation: Exercising your right to cancel within the period stated in the above box will result in the contract being cancelled as of the reception date of the letter or any other durable medium. Once you become aware of a loss covered by the contract, you can no longer exercise this right to cancel. In the event of cancellation, you will only be liable to pay the part of the premium or contribution for the period during which the risk was covered, this period being calculated up until the cancellation date. The entire premium or contribution will, however, be payable to the insurance company if you exercise your cancellation right when a loss of which you were unaware occurs that brings the contract cover into application during the cancellation period. Provisions common to all guarantees DEFINITIONS AND SCOPE OF APPLICATION Us, the Insurer MUTUAIDE ASSISTANCE – 000, xxx xx xx Xxxxxx – CS 20010 – 93196 Noisy-le-Grand Cedex – S.A. with capital of 12,558,240 € fully paid in– Company governed by the Insurance Code RCS 383 974 086 Bobigny – VAT FR 31 3 974 086 000 19. Serious bodily injury Sudden and unforeseeable decline in health, due to an external cause and unintentional on the part of the victim, observed by a competent medical authority leading to the issuance of a prescription for medication to the patient and involving the cessation of all professional or other activity.

WHAT ARE YOUR OBLIGATIONS IN THE EVENT. OF A CLAIMABLE LOSS? After having contacted your accommodation provider and when the latter has found and dispatched the forgotten item, you should send us your declaration within 10 working days from the postage date, except in cases involving force majeure circumstances or acts of God. Your declaration must be accompanied by: • your policy number, • a copy of your rental agreement, • and the original invoice for the shipment expenses issued by the transport provider chosen to deliver the forgotten Item. WHAT ARE THE GENERAL EXCLUSIONS APPLICABLE TO ALL OF OUR GUARANTEES? We cannot intervene when your requests for guarantees or services are the consequence of damage resulting from:  Services which have not been requested during the trip or which have not been organized by us, or in agreement with us, do not give the right, a posteriori, to a refund or compensation,  Expenses for dining, hotel, except those specified in the description of guarantees,  Damage intentionally caused by the Insured and that resulting from his participation in a crime, an offense or an altercation, except in the case of self-defence,  The amount of convictions and their consequences,  The use of narcotics or drugs not prescribed medically,  The state of alcoholic intoxication,  Customs duties,  Participation as a competitor in a competitive sport or in a rally giving the right to national or international ranking which is organized by a sports federation for which a license is issued, as well as training for these competitions, • and the original invoice for the shipment expenses issued by the transport provider chosen to deliver the forgotten Item.  The professional practice of any sport,  Participation in competitions or endurance or speed tests and their preparatory tests, aboard any land, water or air locomotion vehicle,  The consequences of non-compliance with recognized safety rules related to the practice of any leisure sport activity,  Expenses incurred after the return trip or expiration of the guarantee,  Accidents resulting from your participation, even as an amateur, in the following sports: motor sports (regardless of the motor vehicle used), air sports, high mountain mountaineering, bobsleigh, hunting of dangerous animals, ice hockey, skeleton, combat sports, caving, snow sports with an international, national or regional classification,  Voluntary failure to comply with the regulations of the country visited or the practice of activities not authorised by the local authorities,  Official prohibitions, seizures or constraints by the public authorities,  Use by the Insured of air navigation devices,  The use of war devices, explosives and firearms,  Damage resulting from wilful or intentional misconduct by the Insured in accordance with article L.113-1 of the Insurance Code,  Suicide and attempted suicide,  Epidemics, pandemics, pollution, natural disasters, unless otherwise stipulated,  Civil or foreign war, riots, strikes, popular movements, acts of terrorism, hostage-taking,  Disintegration of an atomic nucleus or any irradiation coming from a source of radioactive energy. Under no circumstances may the liability of MUTUAIDE ASSISTANC be engaged for breaches or setbacks in the performance of its obligations resulting from cases of force majeure, or due to events such as civil or foreign war, riots or popular movements, lockouts, strikes, terrorist attacks, acts of terrorism, piracy, storms and hurricanes, earthquakes, cyclones, volcanic eruptions or other cataclysms, the disintegration of an atomic nucleus, the explosion of radioactive nuclear devices and the effects, epidemics, the effects of pollution and natural disasters, the effects of radiation or any other fortuitous event or force majeure, as well as their consequences. Assurances Français). These rights and obligations are set forth in the following pages. This is a group damage insurance policy taken out by “xxxx xxxx” with MUTUAIDE ASSISTANCE for which enrolment is optional. Appendix to article A. 112-1 Advice on exercising your right to a waiver as provided for under article L. 112-10 of the Insurance Code. Please check that you do not already have cover insurance for any of the risks covered by the new contract. If this proves to be the case you are entitled to terminate this contract during the fourteen calendar days from the date it was signed. No charge or penalty is payable if all the following conditions have been met: - you signed the contract for non-work- related purposes - the contract came with the purchase of goods or services you have been sold by a supplier - you can show that you are already covered for one of the risks insured by this new contract - the contract you wish to cancel has not been fully performed - you have not notified any claim covered by this contract. If these conditions are met, you can exercise your right to cancel this contract by letter or in any durable medium sent to the insurer of the new contract, together with documentary proof that you already have cover for one of the risks guaranteed by this new contract. The insurer must reimburse you the premium paid within thirty days of cancellation. If you wish to cancel your contract but do not meet all the above conditions, please check the cancellation procedure stipulated in your contract.

WHAT ARE YOUR OBLIGATIONS IN THE EVENT. OF A CLAIMABLE LOSS? After having contacted your accommodation provider and when the latter has found and dispatched the forgotten item, you should send us your declaration within 10 working days from the postage date, except in cases involving force majeure circumstances or acts of God. Your declaration must be accompanied by: • your policy number, • a copy of your rental agreement, • and the original invoice for the shipment expenses issued by the transport provider chosen to deliver the forgotten Item. WHAT ARE THE GENERAL EXCLUSIONS APPLICABLE TO ALL OF OUR GUARANTEES? We cannot intervene when your requests for guarantees or services are the consequence of damage resulting from:  ♦ Services which have not been requested during the trip or which have not been organized by us, or in agreement with us, do not give the right, a posteriori, to a refund or compensation,  ♦ Expenses for dining, hotel, except those specified in the description of guarantees,  ♦ Damage intentionally caused by the Insured and that resulting from his participation in a crime, an offense or an altercation, except in the case of self-defence,  ♦ The amount of convictions and their consequences,  ♦ The use of narcotics or drugs not prescribed medically,  ♦ The state of alcoholic intoxication,  ♦ Customs duties,  ♦ Participation as a competitor in a competitive sport or in a rally giving the right to national or international ranking which is organized by a sports federation for which a license is issued, as well as training for these competitions, • and the original invoice for the shipment expenses issued by the transport provider chosen to deliver the forgotten Item.  ♦ The professional practice of any sport,  ♦ Participation in competitions or endurance or speed tests and their preparatory tests, aboard any land, water or air locomotion vehicle,  ♦ The consequences of non-compliance with recognized safety rules related to the practice of any leisure sport activity,  ♦ Expenses incurred after the return trip or expiration of the guarantee,  ♦ Accidents resulting from your participation, even as an amateur, in the following sports: motor sports (regardless of the motor vehicle used), air sports, high mountain mountaineering, bobsleigh, hunting of dangerous animals, ice hockey, skeleton, combat sports, caving, snow sports with an international, national or regional classification,  ♦ Voluntary failure to comply with the regulations of the country visited or the practice of activities not authorised by the local authorities,  ♦ Official prohibitions, seizures or constraints by the public authorities,  ♦ Use by the Insured of air navigation devices,  ♦ The use of war devices, explosives and firearms,  ♦ Damage resulting from wilful or intentional misconduct by the Insured in accordance with article L.113-1 of the Insurance Code,  ♦ Suicide and attempted suicide,  ♦ Epidemics, pandemics, pollution, natural disasters, unless otherwise stipulated,  ♦ Civil or foreign war, riots, strikes, popular movements, acts of terrorism, hostage-taking,  ♦ Disintegration of an atomic nucleus or any irradiation coming from a source of radioactive energy. Under no circumstances may the liability of MUTUAIDE ASSISTANC be engaged for breaches or setbacks in the performance of its obligations resulting from cases of force majeure, or due to events such as civil or foreign war, riots or popular movements, lockouts, strikes, terrorist attacks, acts of terrorism, piracy, storms and hurricanes, earthquakes, cyclones, volcanic eruptions or other cataclysms, the disintegration of an atomic nucleus, the explosion of radioactive nuclear devices and the effects, epidemics, the effects of pollution and natural disasters, the effects of radiation or any other fortuitous event or force majeure, as well as their consequences. Assurances Français). These rights and obligations are set forth in the following pages. This is a group damage insurance policy taken out by “xxxx xxxx” with MUTUAIDE ASSISTANCE for which enrolment is optional. Appendix to article A. 112-1 Advice on exercising your right to a waiver as provided for under article L. 112-10 of the Insurance Code. Please check that you do not already have cover insurance for any of the risks covered by the new contract. If this proves to be the case you are entitled to terminate this contract during the fourteen calendar days from the date it was signed. No charge or penalty is payable if all the following conditions have been met: - you signed the contract for non-work- related purposes - the contract came with the purchase of goods or services you have been sold by a supplier - you can show that you are already covered for one of the risks insured by this new contract - the contract you wish to cancel has not been fully performed - you have not notified any claim covered by this contract. If these conditions are met, you can exercise your right to cancel this contract by letter or in any durable medium sent to the insurer of the new contract, together with documentary proof that you already have cover for one of the risks guaranteed by this new contract. The insurer must reimburse you the premium paid within thirty days of cancellation. If you wish to cancel your contract but do not meet all the above conditions, please check the cancellation procedure stipulated in your contract.

WHAT ARE YOUR OBLIGATIONS IN THE EVENT. OF A CLAIMABLE LOSS? After having contacted your accommodation provider and when the latter has found and dispatched the forgotten item, you should send us your declaration within 10 working days from the postage date, except in cases involving force majeure circumstances or acts of God. Your declaration must be accompanied by: • your policy number, • a copy of your rental agreement, WHAT ARE THE GENERAL EXCLUSIONS APPLICABLE TO ALL OF OUR GUARANTEES? We cannot intervene when your requests for guarantees or services are the consequence of damage resulting from:  ♦ Services which have not been requested during the trip or which have not been organized by us, or in agreement with us, do not give the right, a posteriori, to a refund or compensation,  ♦ Expenses for dining, hotel, except those specified in the description of guarantees,  Damage ♦ Xxxxxx intentionally caused by the Insured and that resulting from his participation in a crime, an offense or an altercation, except in the case of self-defence,  ♦ The amount of convictions and their consequences,  ♦ The use of narcotics or drugs not prescribed medically,  ♦ The state of alcoholic intoxication,  ♦ Customs duties,  ♦ Participation as a competitor in a competitive sport or in a rally giving the right to national or international ranking which is organized by a sports federation for which a license is issued, as well as training for these competitions, • and the original invoice for the shipment expenses issued by the transport provider chosen to deliver the forgotten Item.  ♦ The professional practice of any sport,  ♦ Participation in competitions or endurance or speed tests and their preparatory tests, aboard any land, water or air locomotion vehicle,  ♦ The consequences of non-compliance with recognized safety rules related to the practice of any leisure sport activity,  ♦ Expenses incurred after the return trip or expiration of the guarantee,  ♦ Accidents resulting from your participation, even as an amateur, in the following sports: motor sports (regardless of the motor vehicle used), air sports, high mountain mountaineering, bobsleigh, hunting of dangerous animals, ice hockey, skeleton, combat sports, caving, snow sports with an international, national or regional classification,  ♦ Voluntary failure to comply with the regulations of the country visited or the practice of activities not authorised by the local authorities,  ♦ Official prohibitions, seizures or constraints by the public authorities,  ♦ Use by the Insured of air navigation devices,  ♦ The use of war devices, explosives and firearms,  ♦ Damage resulting from wilful or intentional misconduct by the Insured in accordance with article L.113-1 of the Insurance Code,  ♦ Suicide and attempted suicide,  ♦ Epidemics, pandemics, pollution, natural disasters, unless otherwise stipulated,  ♦ Civil or foreign war, riots, strikes, popular movements, acts of terrorism, hostage-taking,  ♦ Disintegration of an atomic nucleus or any irradiation coming from a source of radioactive energy. Under no circumstances may the liability of MUTUAIDE ASSISTANC be engaged for breaches or setbacks in the performance of its obligations resulting from cases of force majeure, or due to events such as civil or foreign war, riots or popular movements, lockouts, strikes, terrorist attacks, acts of terrorism, piracy, storms and hurricanes, earthquakes, cyclones, volcanic eruptions or other cataclysms, the disintegration of an atomic nucleus, the explosion of radioactive nuclear devices and the effects, epidemics, the effects of pollution and natural disasters, the effects of radiation or any other fortuitous event or force majeure, as well as their consequences. Assurances Français). These rights and obligations are set forth in the following pages. This is a group damage insurance policy taken out by “xxxx xxxx” with MUTUAIDE ASSISTANCE for which enrolment is optional. Appendix to article A. 112-1 Advice on exercising your right to a waiver as provided for under article L. 112-10 of the Insurance Code. Please check that you do not already have cover insurance for any of the risks covered by the new contract. If this proves to be the case you are entitled to terminate this contract during the fourteen calendar days from the date it was signed. No charge or penalty is payable if all the following conditions have been met: - you signed the contract for non-work- related purposes - the contract came with the purchase of goods or services you have been sold by a supplier - you can show that you are already covered for one of the risks insured by this new contract - the contract you wish to cancel has not been fully performed - you have not notified any claim covered by this contract. If these conditions are met, you can exercise your right to cancel this contract by letter or in any durable medium sent to the insurer of the new contract, together with documentary proof that you already have cover for one of the risks guaranteed by this new contract. The insurer must reimburse you the premium paid within thirty days of cancellation. If you wish to cancel your contract but do not meet all the above conditions, please check the cancellation procedure stipulated in your contract.

WHAT ARE YOUR OBLIGATIONS IN THE EVENT. OF A CLAIMABLE LOSS? After having contacted your accommodation provider and when the latter has found and dispatched the forgotten item, you should send us your declaration within 10 working days from the postage date, except in cases involving force majeure circumstances or acts of God. Your declaration must be accompanied by: • your policy number, • a copy of your rental agreement, • and the original invoice for the shipment expenses issued by the transport provider chosen to deliver the forgotten Item. WHAT ARE THE GENERAL EXCLUSIONS APPLICABLE TO ALL OF OUR GUARANTEES? We cannot intervene when your requests for guarantees or services are the consequence of damage resulting from:  ♦ Services which have not been requested during the trip or which have not been organized by us, or in agreement with us, do not give the right, a posteriori, to a refund or compensation,  ♦ Expenses for dining, hotel, except those specified in the description of guarantees,  Damage ♦ Xxxxxx intentionally caused by the Insured and that resulting from his participation in a crime, an offense or an altercation, except in the case of self-defence,  ♦ The amount of convictions and their consequences,  ♦ The use of narcotics or drugs not prescribed medically,  ♦ The state of alcoholic intoxication,  ♦ Customs duties,  ♦ Participation as a competitor in a competitive sport or in a rally giving the right to national or international ranking which is organized by a sports federation for which a license is issued, as well as training for these competitions, • and the original invoice for the shipment expenses issued by the transport provider chosen to deliver the forgotten Item.  ♦ The professional practice of any sport,  ♦ Participation in competitions or endurance or speed tests and their preparatory tests, aboard any land, water or air locomotion vehicle,  ♦ The consequences of non-compliance with recognized safety rules related to the practice of any leisure sport activity,  ♦ Expenses incurred after the return trip or expiration of the guarantee,  ♦ Accidents resulting from your participation, even as an amateur, in the following sports: motor sports (regardless of the motor vehicle used), air sports, high mountain mountaineering, bobsleigh, hunting of dangerous animals, ice hockey, skeleton, combat sports, caving, snow sports with an international, national or regional classification,  ♦ Voluntary failure to comply with the regulations of the country visited or the practice of activities not authorised by the local authorities,  ♦ Official prohibitions, seizures or constraints by the public authorities,  ♦ Use by the Insured of air navigation devices,  ♦ The use of war devices, explosives and firearms,  ♦ Damage resulting from wilful or intentional misconduct by the Insured in accordance with article L.113-1 of the Insurance Code,  ♦ Suicide and attempted suicide,  ♦ Epidemics, pandemics, pollution, natural disasters, unless otherwise stipulated,  ♦ Civil or foreign war, riots, strikes, popular movements, acts of terrorism, hostage-taking,  ♦ Disintegration of an atomic nucleus or any irradiation coming from a source of radioactive energy. Under no circumstances may the liability of MUTUAIDE ASSISTANC be engaged for breaches or setbacks in the performance of its obligations resulting from cases of force majeure, or due to events such as civil or foreign war, riots or popular movements, lockouts, strikes, terrorist attacks, acts of terrorism, piracy, storms and hurricanes, earthquakes, cyclones, volcanic eruptions or other cataclysms, the disintegration of an atomic nucleus, the explosion of radioactive nuclear devices and the effects, epidemics, the effects of pollution and natural disasters, the effects of radiation or any other fortuitous event or force majeure, as well as their consequences. Assurances Français). These rights and obligations are set forth in the following pages. This is a group damage insurance policy taken out by “xxxx xxxx” with MUTUAIDE ASSISTANCE for which enrolment is optional. Appendix to article A. 112-1 Advice on exercising your right to a waiver as provided for under article L. 112-10 of the Insurance Code. Please check that you do not already have cover insurance for any of the risks covered by the new contract. If this proves to be the case you are entitled to terminate this contract during the fourteen calendar days from the date it was signed. No charge or penalty is payable if all the following conditions have been met: - you signed the contract for non-work- related purposes - the contract came with the purchase of goods or services you have been sold by a supplier - you can show that you are already covered for one of the risks insured by this new contract - the contract you wish to cancel has not been fully performed - you have not notified any claim covered by this contract. If these conditions are met, you can exercise your right to cancel this contract by letter or in any durable medium sent to the insurer of the new contract, together with documentary proof that you already have cover for one of the risks guaranteed by this new contract. The insurer must reimburse you the premium paid within thirty days of cancellation. If you wish to cancel your contract but do not meet all the above conditions, please check the cancellation procedure stipulated in your contract.