Common use of Worldwide Clause in Contracts

Worldwide. WHAT IS THE GEOGRAPHICAL SCOPE OF THE POLICY? The covers and/or services taken out under this policy apply worldwide. WHAT IS THE TERM OF THE POLICY? The term of validity corresponds to the duration of the services sold by the trip organiser. Under no circumstances can the cover last more than three months from the day of departure. The “CANCELLATION” cover takes effect when this policy is taken out and it expires on the day of departure on the trip (outward journey). The other covers take effect on the scheduled day of departure and expire on the scheduled day of return. WHICH GENERAL EXCLUSIONS APPLY TO ALL OUR COVERS? We cannot intervene when your requests for covers or services are the consequence of damage resulting from: ♦ Services which have not been requested during the trip or which have not been organised by us, or in agreement with us, do not give the right, subsequently, to a refund or indemnity, ♦ Dining and hotel expenses, except those specified in the description of covers, ♦ Xxxxxx intentionally caused by the Insured and damage resulting from his participation in a crime, an offence 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 a rally giving the right to national or international ranking which is organised by a sports federation for which a licence is issued, as well as training for these competitions, ♦ 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 machine, ♦ The consequences of non-compliance with recognised safety rules related to the practice of any leisure sporting activity, ♦ Expenses incurred after the return trip or expiry of the cover, ♦ Accidents resulting from your participation, even as an amateur, in the following sports: motor sports (regardless of the motorised vehicle used), air sports, high mountain mountaineering, bobsleigh, hunting of dangerous animals, ice hockey, skeleton, combat sports, caving, snow sports with an ♦ 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 instruments, ♦ 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 French Insurance Code, ♦ Suicide and attempted suicide, ♦ Epidemics and pandemics unless otherwise stipulated in the policy, pollution, natural disasters, ♦ 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 ASSISTANCE 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 or force majeure event, as well as their consequences. MUTUAIDE ASSISTANCE can in no way replace the local emergency relief organisations and intervene within the limits of the agreements given by the local authorities, nor cover the costs thus incurred, with the exception of the costs of transport by ambulance or by taxi to the nearest place where appropriate care can be provided, in the event of mild illness or minor injuries that do not require repatriation or medical transport. The interventions that MUTUAIDE ASSISTANCE is required to perform are conducted in full compliance with national and international laws and regulations. They are, therefore, reliant on obtaining the necessary authorisations from the competent authorities. When MUTUAIDE ASSISTANCE has paid for the transport of an Insured, this person must return the ticket initially planned and unused. MUTUAIDE ASSISTANCE decides on the nature of the air ticketing made available to the Insured according to the possibilities offered by the airlines and the duration of the journey. CONDITIONS OF REIMBURSEMENT We can only refund the Insured up on presentation of original paid invoices corresponding to costs incurred with our approval. Refund requests must be sent to: MUTUAIDE ASSISTANCE Claim Management Department 000, xxx xx xx Xxxxxx F-93196 NOISY LE GRAND CEDEX OPERATING RULES FOR ASSISTANCE SERVICES Only the telephone call of the Insured at the time of the event permits implementation of assistance services. Upon receipt of the call, MUTUAIDE ASSISTANCE, after having verified the rights of the requester, organises and pays for the services provided for in this agreement. To benefit from a service, MUTUAIDE ASSISTANCE may ask the Insured to justify the status he invokes and to produce, at his expense, the items and documents proving this right. The Insured must allow our doctors access to any medical information concerning the person for whom we are intervening. This information will be processed in accordance with medical confidentiality. HANDLING OF COMPLAINTS

Worldwide. WHAT IS THE GEOGRAPHICAL SCOPE OF THE POLICY? The covers and/or services taken out under this policy apply worldwide. WHAT IS THE TERM OF THE POLICY? The term of validity corresponds to the duration of the services sold by the trip organiser. Under no circumstances can the cover last more than three months from the day of departure. The “CANCELLATION” cover takes effect when this policy is taken out and it expires on the day of departure on the trip (outward journey). The other covers take effect on the scheduled day of departure and expire on the scheduled day of return. WHICH GENERAL EXCLUSIONS APPLY TO ALL OUR COVERS? We cannot intervene when your requests for covers or services are the consequence of damage resulting from: ♦ Services which have not been requested during the trip or which have not been organised by us, or in agreement with us, do not give the right, subsequently, to a refund or indemnity, ♦ Dining and hotel expenses, except those specified in the description of covers, ♦ Xxxxxx intentionally caused by the Insured and damage resulting from his participation in a crime, an offence 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 a rally giving the right to national or international ranking which is organised by a sports federation for which a licence is issued, as well as training for these competitions, ♦ 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 machine, ♦ The consequences of non-compliance with recognised safety rules related to the practice of any leisure sporting activity, ♦ Expenses incurred after the return trip or expiry of the cover, ♦ Accidents resulting from your participation, even as an amateur, in the following sports: motor sports (regardless of the motorised vehicle used), air sports, high mountain mountaineering, bobsleigh, hunting of dangerous animals, ice hockey, skeleton, combat sports, caving, snow sports with an ♦ xxx.xxxxxxxx♦.xx 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 instruments, ♦ 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 French Insurance Code, ♦ Suicide and attempted suicide, ♦ Epidemics and pandemics unless otherwise stipulated in the policy, pollution, natural disasters, ♦ 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 ASSISTANCE 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 or force majeure event, as well as their consequences. OPERATING RULES FOR ASSISTANCE SERVICES Only the telephone call of the Insured at the time of the event permits implementation of assistance services. Upon receipt of the call, MUTUAIDE ASSISTANCE, after having verified the rights of the requester, organises and pays for the services provided for in this agreement. To benefit from a service, MUTUAIDE ASSISTANCE may ask the Insured to justify the status he invokes and to produce, at his expense, the items and documents proving this right. The Insured must allow our doctors access to any medical information concerning the person for whom we are intervening. This information will be processed in accordance with medical confidentiality. MUTUAIDE ASSISTANCE can in no way replace the local emergency relief organisations and intervene within the limits of the agreements given by the local authorities, nor cover the costs thus incurred, with the exception of the costs of transport by ambulance or by taxi to the nearest place where appropriate care can be provided, in the event of mild illness or minor injuries that do not require repatriation or medical transport. The interventions that MUTUAIDE ASSISTANCE is required to perform are conducted in full compliance with national and international laws and regulations. They are, therefore, reliant on obtaining the necessary authorisations from the competent authorities. When MUTUAIDE ASSISTANCE has paid for the transport of an Insured, this person must return the ticket initially planned and unused. MUTUAIDE ASSISTANCE decides on the nature of the air ticketing made available to the Insured according to the possibilities offered by the airlines and the duration of the journey. CONDITIONS OF REIMBURSEMENT We can only refund the Insured up on presentation of original paid invoices corresponding to costs incurred with our approval. Refund requests must be sent to: MUTUAIDE ASSISTANCE Claim Management Department 000, xxx xx xx Xxxxxx F-93196 NOISY LE GRAND CEDEX OPERATING RULES FOR ASSISTANCE SERVICES Only the telephone call of the Insured at the time of the event permits implementation of assistance services. Upon receipt of the call, MUTUAIDE ASSISTANCE, after having verified the rights of the requester, organises and pays for the services provided for in this agreement. To benefit from a service, MUTUAIDE ASSISTANCE may ask the Insured to justify the status he invokes and to produce, at his expense, the items and documents proving this right. The Insured must allow our doctors access to any medical information concerning the person for whom we are intervening. This information will be processed in accordance with medical confidentiality. HANDLING OF COMPLAINTS

Worldwide. WHAT IS THE GEOGRAPHICAL SCOPE OF THE POLICY? The covers and/or services taken out under this policy apply worldwide. WHAT IS THE TERM OF THE POLICY? The term of validity corresponds to the duration of the services sold by the trip organiser. Under no circumstances can the cover last more than three months from the day of departure. The “CANCELLATION” cover takes effect when this policy is taken out and it expires on the day of departure on the trip (outward journey). The other covers take effect on the scheduled day of departure and expire on the scheduled day of return. WHICH GENERAL EXCLUSIONS APPLY TO ALL OUR COVERS? We cannot intervene when your requests for covers or services are the consequence of damage resulting from: ♦ Services which have not been requested during the trip or which have not been organised by us, or in agreement with us, do not give the right, subsequently, to a refund or indemnity, ♦ Dining and hotel expenses, except those specified in the description of covers, ♦ Xxxxxx intentionally caused by the Insured and damage resulting from his participation in a crime, an offence 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 a rally giving the right to national or international ranking which is organised by a sports federation for which a licence is issued, as well as training for these competitions, ♦ 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 machine, ♦ The consequences of non-compliance with recognised safety rules related to the practice of any leisure sporting activity, ♦ Expenses incurred after the return trip or expiry of the cover, ♦ Accidents resulting from your participation, even as an amateur, in the following sports: motor sports (regardless of the motorised vehicle used), air sports, high mountain mountaineering, bobsleigh, hunting of dangerous animals, ice hockey, skeleton, combat sports, caving, snow sports with an ♦ 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 instruments, ♦ 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 French Insurance Code, ♦ Suicide and attempted suicide, ♦ Epidemics and pandemics unless otherwise stipulated in the policy, pollution, natural disasters, ♦ 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. ♦ Absence of hazards Under no circumstances may the liability of MUTUAIDE ASSISTANCE 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 or force majeure event, as well as their consequences. MUTUAIDE ASSISTANCE can in no way replace the local emergency relief organisations and intervene within the limits of the agreements given by the local authorities, nor cover the costs thus incurred, with the exception of the costs of transport by ambulance or by taxi to the nearest place where appropriate care can be provided, in the event of mild illness or minor injuries that do not require repatriation or medical transport. The interventions that MUTUAIDE ASSISTANCE is required to perform are conducted in full compliance with national and international laws and regulations. They are, therefore, reliant on obtaining the necessary authorisations from the competent authorities. When MUTUAIDE ASSISTANCE has paid for the transport of an Insured, this person must return the ticket initially planned and unused. MUTUAIDE ASSISTANCE decides on the nature of the air ticketing made available to the Insured according to the possibilities offered by the airlines and the duration of the journey. CONDITIONS OF REIMBURSEMENT We can only refund the Insured up on presentation of original paid invoices corresponding to costs incurred with our approval. Refund requests must be sent to: MUTUAIDE ASSISTANCE Claim Management Department 000, xxx xx xx Xxxxxx F-93196 NOISY LE GRAND CEDEX OPERATING RULES FOR ASSISTANCE SERVICES Only the telephone call of the Insured at the time of the event permits implementation of assistance services. Upon receipt of the call, MUTUAIDE ASSISTANCE, after having verified the rights of the requester, organises and pays for the services provided for in this agreement. To benefit from a service, MUTUAIDE ASSISTANCE may ask the Insured to justify the status he invokes and to produce, at his expense, the items and documents proving this right. The Insured must allow our doctors access to any medical information concerning the person for whom we are intervening. This information will be processed in accordance with medical confidentiality. HANDLING OF COMPLAINTS

Worldwide. WHAT IS THE GEOGRAPHICAL SCOPE OF THE POLICY? The covers and/or services taken out under this policy apply worldwide. WHAT IS THE TERM OF THE POLICY? The term of validity corresponds to the duration of the services sold by the trip organiser. Under no circumstances can the cover last more than three months from the day of departure. The “CANCELLATION” cover takes effect when this policy is taken out and it expires on the day of departure on the trip (outward journey). The other covers take effect on the scheduled day of departure and expire on the scheduled day of return. WHICH GENERAL EXCLUSIONS APPLY TO ALL OUR COVERS? We cannot intervene when your requests for covers or services are the consequence of damage resulting from: ♦ Services which have not been requested during the trip or which have not been organised by us, or in agreement with us, do not give the right, subsequently, to a refund or indemnity, ♦ Dining and hotel expenses, except those specified in the description of covers, ♦ Xxxxxx Damage intentionally caused by the Insured and damage resulting from his participation in a crime, an offence 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 a rally giving the right to national or international ranking which is organised by a sports federation for which a licence is issued, as well as training for these competitions, ♦ 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 machine, ♦ The consequences of non-compliance with recognised safety rules related to the practice of any leisure sporting activity, ♦ Expenses incurred after the return trip or expiry of the cover, ♦ Accidents resulting from your participation, even as an amateur, in the following sports: motor sports (regardless of the motorised vehicle used), air sports, high mountain mountaineering, bobsleigh, hunting of dangerous animals, ice hockey, skeleton, combat sports, caving, snow sports with an ♦ 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 instruments, ♦ 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 French Insurance Code, ♦ Suicide and attempted suicide, ♦ Epidemics and pandemics unless otherwise stipulated in the policy, pollution, natural disasters, ♦ 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 ASSISTANCE 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 or force majeure event, as well as their consequences. MUTUAIDE ASSISTANCE can in no way replace the local emergency relief organisations and intervene within the limits of the agreements given by the local authorities, nor cover the costs thus incurred, with the exception of the costs of transport by ambulance or by taxi to the nearest place where appropriate care can be provided, in the event of mild illness or minor injuries that do not require repatriation or medical transport. The interventions that MUTUAIDE ASSISTANCE is required to perform are conducted in full compliance with national and international laws and regulations. They are, therefore, reliant on obtaining the necessary authorisations from the competent authorities. When MUTUAIDE ASSISTANCE has paid for the transport of an Insured, this person must return the ticket initially planned and unused. MUTUAIDE ASSISTANCE decides on the nature of the air ticketing made available to the Insured according to the possibilities offered by the airlines and the duration of the journey. CONDITIONS OF REIMBURSEMENT We can only refund the Insured up on presentation of original paid invoices corresponding to costs incurred with our approval. Refund requests must be sent to: MUTUAIDE ASSISTANCE Claim Management Department 000, xxx xx xx Xxxxxx F-93196 NOISY LE GRAND CEDEX OPERATING RULES FOR ASSISTANCE SERVICES Only the telephone call of the Insured at the time of the event permits implementation of assistance services. Upon receipt of the call, MUTUAIDE ASSISTANCE, after having verified the rights of the requester, organises and pays for the services provided for in this agreement. To benefit from a service, MUTUAIDE ASSISTANCE may ask the Insured to justify the status he invokes and to produce, at his expense, the items and documents proving this right. The Insured must allow our doctors access to any medical information concerning the person for whom we are intervening. This information will be processed in accordance with medical confidentiality. HANDLING OF COMPLAINTS

Worldwide. WHAT IS THE GEOGRAPHICAL SCOPE OF THE POLICY? The covers and/or services taken out under this policy apply worldwide. WHAT IS THE TERM OF THE POLICY? The term of validity corresponds to the duration of the services sold by the trip organiser. Under no circumstances can the cover last more than three months from the day of departure. The “CANCELLATION” cover takes effect when this policy is taken out and it expires on the day of departure on the trip (outward journey). The other covers take effect on the scheduled day of departure and expire on the scheduled day of return. WHICH GENERAL EXCLUSIONS APPLY TO ALL OUR COVERS? We cannot intervene when your requests for covers or services are the consequence of damage resulting from: ♦ Services which have not been requested during the trip or which have not been organised by us, or in agreement with us, do not give the right, subsequently, to a refund or indemnity, ♦ Dining and hotel expenses, except those specified in the description of covers, ♦ Xxxxxx Damage intentionally caused by the Insured and damage resulting from his participation in a crime, an offence 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 a rally giving the right to national or international ranking which is organised by a sports federation for which a licence is issued, as well as training for these competitions, ♦ 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 machine, ♦ The consequences of non-compliance with recognised safety rules related to the practice of any leisure sporting activity, ♦ Expenses incurred after the return trip or expiry of the cover, ♦ Accidents resulting from your participation, even as an amateur, in the following sports: motor sports (regardless of the motorised vehicle used), air sports, high mountain mountaineering, bobsleigh, hunting of dangerous animals, ice hockey, skeleton, combat sports, caving, snow sports with an ♦ 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 instruments, ♦ 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 French Insurance Code, ♦ Suicide and attempted suicide, ♦ Epidemics and pandemics unless otherwise stipulated in the policy, pollution, natural disasters, ♦ 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. ♦ Absence of hazards Under no circumstances may the liability of MUTUAIDE ASSISTANCE 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 or force majeure event, as well as their consequences. MUTUAIDE ASSISTANCE can in no way replace the local emergency relief organisations and intervene within the limits of the agreements given by the local authorities, nor cover the costs thus incurred, with the exception of the costs of transport by ambulance or by taxi to the nearest place where appropriate care can be provided, in the event of mild illness or minor injuries that do not require repatriation or medical transport. The interventions that MUTUAIDE ASSISTANCE is required to perform are conducted in full compliance with national and international laws and regulations. They are, therefore, reliant on obtaining the necessary authorisations from the competent authorities. When MUTUAIDE ASSISTANCE has paid for the transport of an Insured, this person must return the ticket initially planned and unused. MUTUAIDE ASSISTANCE decides on the nature of the air ticketing made available to the Insured according to the possibilities offered by the airlines and the duration of the journey. CONDITIONS OF REIMBURSEMENT We can only refund the Insured up on presentation of original paid invoices corresponding to costs incurred with our approval. Refund requests must be sent to: MUTUAIDE ASSISTANCE Claim Management Department 000, xxx xx xx Xxxxxx F-93196 NOISY LE GRAND CEDEX OPERATING RULES FOR ASSISTANCE SERVICES Only the telephone call of the Insured at the time of the event permits implementation of assistance services. Upon receipt of the call, MUTUAIDE ASSISTANCE, after having verified the rights of the requester, organises and pays for the services provided for in this agreement. To benefit from a service, MUTUAIDE ASSISTANCE may ask the Insured to justify the status he invokes and to produce, at his expense, the items and documents proving this right. The Insured must allow our doctors access to any medical information concerning the person for whom we are intervening. This information will be processed in accordance with medical confidentiality. HANDLING OF COMPLAINTS

Worldwide. WHAT IS THE GEOGRAPHICAL SCOPE OF THE POLICY? The covers and/or services taken out under this policy apply worldwide. WHAT IS THE TERM OF THE POLICY? The term of validity corresponds to the duration of the services sold by the trip organiser. Under no circumstances can the cover last more than three months from the day of departure. The “CANCELLATION” cover takes effect when this policy is taken out and it expires on the day of departure on the trip (outward journey). The other covers take effect on the scheduled day of departure and expire on the scheduled day of return. WHICH GENERAL EXCLUSIONS APPLY TO ALL OUR COVERS? We cannot intervene when your requests for covers or services are the consequence of damage resulting from: ♦ Services which have not been requested during the trip or which have not been organised by us, or in agreement with us, do not give the right, subsequently, to a refund or indemnity, ♦ Dining and hotel expenses, except those specified in the description of covers, ♦ Xxxxxx Damage intentionally caused by the Insured and damage resulting from his participation in a crime, an offence 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 a rally giving the right to national or international ranking which is organised by a sports federation for which a licence is issued, as well as training for these competitions, ♦ 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 machine, ♦ The consequences of non-compliance with recognised safety rules related to the practice of any leisure sporting activity, ♦ Expenses incurred after the return trip or expiry of the cover, ♦ Accidents resulting from your participation, even as an amateur, in the following sports: motor sports (regardless of the motorised vehicle used), air sports, high mountain mountaineering, bobsleigh, hunting of dangerous animals, ice hockey, skeleton, combat sports, caving, snow sports with an ♦ Gritchen Affinity - SAS au capital de 10.260 euros immatriculée au RCS de Bourges sous le n° 529 150 542 dont le siège social est sis au 00, xxx Xxxxxxx Xxxxxx - CS70139 - 18021 Bourges Cedex - N° TVA : FR78529150542 Société de Courtage d'Assurances sans obligation d'exclusiv ité (liste des compagnies d’assurances partenaires disponible sur simple demande) soumise au contrôle de l'ACPR, Autorité de Contrôle Prudentiel et de Résolution, 4 place de Budapest - CS 92459 - 75436 Paris Cedex 09 et immatriculée à l'ORIAS dans la catégorie Courtier d'assurance sous le n° 110 613 17 (www.orias.f r) - 17 / 21 xxx.xxxxxxxx♦.xx 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 instruments, ♦ 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 French Insurance Code, ♦ Suicide and attempted suicide, ♦ Epidemics and pandemics unless otherwise stipulated in the policy, pollution, natural disasters, ♦ 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 ASSISTANCE 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 or force majeure event, as well as their consequences. OPERATING RULES FOR ASSISTANCE SERVICES Only the telephone call of the Insured at the time of the event permits implementation of assistance services. Upon receipt of the call, MUTUAIDE ASSISTANCE, after having verified the rights of the requester, organises and pays for the services provided for in this agreement. To benefit from a service, MUTUAIDE ASSISTANCE may ask the Insured to justify the status he invokes and to produce, at his expense, the items and documents proving this right. The Insured must allow our doctors access to any medical information concerning the person for whom we are intervening. This information will be processed in accordance with medical confidentiality. MUTUAIDE ASSISTANCE can in no way replace the local emergency relief organisations and intervene within the limits of the agreements given by the local authorities, nor cover the costs thus incurred, with the exception of the costs of transport by ambulance or by taxi to the nearest place where appropriate care can be provided, in the event of mild illness or minor injuries that do not require repatriation or medical transport. The interventions that MUTUAIDE ASSISTANCE is required to perform are conducted in full compliance with national and international laws and regulations. They are, therefore, reliant on obtaining the necessary authorisations from the competent authorities. When MUTUAIDE ASSISTANCE has paid for the transport of an Insured, this person must return the ticket initially planned and unused. MUTUAIDE ASSISTANCE decides on the nature of the air ticketing made available to the Insured according to the possibilities offered by the airlines and the duration of the journey. CONDITIONS OF REIMBURSEMENT We can only refund the Insured up on presentation of original paid invoices corresponding to costs incurred with our approval. Refund requests must be sent to: MUTUAIDE ASSISTANCE Claim Management Department 000, xxx xx xx Xxxxxx F-93196 NOISY LE GRAND CEDEX OPERATING RULES FOR ASSISTANCE SERVICES Only the telephone call of the Insured at the time of the event permits implementation of assistance services. Upon receipt of the call, MUTUAIDE ASSISTANCE, after having verified the rights of the requester, organises and pays for the services provided for in this agreement. To benefit from a service, MUTUAIDE ASSISTANCE may ask the Insured to justify the status he invokes and to produce, at his expense, the items and documents proving this right. The Insured must allow our doctors access to any medical information concerning the person for whom we are intervening. This information will be processed in accordance with medical confidentiality. HANDLING OF COMPLAINTS

Worldwide. WHAT IS THE GEOGRAPHICAL SCOPE OF THE POLICY? The covers and/or services taken out under this policy apply worldwide. WHAT IS THE TERM OF THE POLICY? The term of validity corresponds to the duration of the services sold by the trip organiser. Under no circumstances can the cover last more than three months from the day of departure. The “CANCELLATION” cover takes effect when this policy is taken out and it expires on the day of departure on the trip (outward journey). The other covers take effect on the scheduled day of departure and expire on the scheduled day of return. WHICH GENERAL EXCLUSIONS APPLY TO ALL OUR COVERS? We cannot intervene when your requests for covers or services are the consequence of damage resulting from: ♦ Services which have not been requested during the trip or which have not been organised by us, or in agreement with us, do not give the right, subsequently, to a refund or indemnity, ♦ Dining and hotel expenses, except those specified in the description of covers, ♦ Xxxxxx Damage intentionally caused by the Insured and damage resulting from his participation in a crime, an offence 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 a rally giving the right to national or international ranking which is organised by a sports federation for which a licence is issued, as well as training for these competitions, ♦ 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 machine, ♦ The consequences of non-compliance with recognised safety rules related to the practice of any leisure sporting activity, ♦ Expenses incurred after the return trip or expiry of the cover, ♦ Accidents resulting from your participation, even as an amateur, in the following sports: motor sports (regardless of the motorised vehicle used), air sports, high mountain mountaineering, bobsleigh, hunting of dangerous animals, ice hockey, skeleton, combat sports, caving, snow sports with an ♦ 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 instruments, ♦ 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 French Insurance Code, ♦ Suicide and attempted suicide, ♦ Epidemics and pandemics unless otherwise stipulated in the policy, pollution, natural disasters, ♦ 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 ASSISTANCE 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 or force majeure event, as well as their consequences. MUTUAIDE ASSISTANCE can in no way replace the local emergency relief organisations and intervene within the limits of the agreements given by the local authorities, nor cover the costs thus incurred, with the exception of the costs of transport by ambulance or by taxi to the nearest place where appropriate care can be provided, in In the event of mild illness disagreement or minor injuries that do not require repatriation dissatisfaction with the implementation of your policy, please contact GRITCHEN AFFINITY by writing to Complaints Department, 00 xxx Xxxxxxx Xxxxxx, F-18000 BOURGES or medical transport. The interventions that MUTUAIDE ASSISTANCE is required to perform are conducted in full compliance with national and international laws and regulations. They are, therefore, reliant on obtaining the necessary authorisations from the competent authorities. When MUTUAIDE ASSISTANCE has paid by e-mail : xxxxxxxxxxxx@xxxxxxxx.xx for the transport of an InsuredInsurance covers listed below: ✓ Cancellation ✓ Interruption ✓ Late arrival If you are not satisfied with the answer you receive, this person must return the ticket initially planned and unused. MUTUAIDE ASSISTANCE decides on the nature of the air ticketing made available to the Insured according to the possibilities offered by the airlines and the duration of the journey. CONDITIONS OF REIMBURSEMENT We you can only refund the Insured up on presentation of original paid invoices corresponding to costs incurred with our approval. Refund requests must be sent write to: Insurance Department TSA 20296 F-94368 Bry sur Marne Cedex MUTUAIDE ASSISTANCE Claim Management Department 000, xxx xx xx Xxxxxx F-93196 NOISY LE GRAND CEDEX OPERATING RULES FOR ASSISTANCE SERVICES Only the telephone call of the Insured at the time of the event permits implementation of assistance services. Upon undertakes to acknowledge receipt of the call, MUTUAIDE ASSISTANCE, after having verified the rights of the requester, organises and pays for the services provided for in this agreementyour letter within ten working days. To benefit from a service, MUTUAIDE ASSISTANCE may ask the Insured to justify the status he invokes and to produce, at his expense, the items and documents proving this right. The Insured must allow our doctors access to any medical information concerning the person for whom we are intervening. This information It will be processed in accordance with medical confidentialitywithin two months at most. HANDLING OF COMPLAINTSIf the disagreement persists, you may refer the matter for Insurance Mediation by writing to: TSA 50110 F-75441 Paris Cedex 09 The Insurance Mediation service is not competent to render decisions on policies taken out to cover professional risks.

Worldwide. WHAT IS THE GEOGRAPHICAL SCOPE OF THE POLICY? The covers and/or services taken out under this policy apply worldwide. WHAT IS THE TERM OF THE POLICY? The term of validity corresponds to the duration of the services sold by the trip organiser. Under no circumstances can the cover last more than three months from the day of departure. The “CANCELLATION” cover takes effect when this policy is taken out and it expires on the day of departure on the trip (outward journey). The other covers take effect on the scheduled day of departure and expire on the scheduled day of return. WHICH GENERAL EXCLUSIONS APPLY TO ALL OUR COVERS? We cannot intervene when your requests for covers or services are the consequence of damage resulting from: ♦ Services which have not been requested during the trip or which have not been organised by us, or in agreement with us, do not give the right, subsequently, to a refund or indemnity, ♦ Dining and hotel expenses, except those specified in the description of covers, ♦ Xxxxxx Damage intentionally caused by the Insured and damage resulting from his participation in a crime, an offence 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 a rally giving the right to national or international ranking which is organised by a sports federation for which a licence is issued, as well as training for these competitions, ♦ 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 machine, ♦ The consequences of non-compliance with recognised safety rules related to the practice of any leisure sporting activity, ♦ Expenses incurred after the return trip or expiry of the cover, ♦ Accidents resulting from your participation, even as an amateur, in the following sports: motor sports (regardless of the motorised vehicle used), air sports, high mountain mountaineering, bobsleigh, hunting of dangerous animals, ice hockey, skeleton, combat sports, caving, snow sports with an ♦ Gritchen Affinity - SAS au capital de 10.260 euros immatriculée au RCS de Bourges sous le n° 529 150 542 dont le siège social est sis au 00, xxx Xxxxxxx Xxxxxx - CS70139 - 18021 Bourges Cedex - N° TVA : FR78529150542 Société de Courtage d'Assurances sans obligation d'exclusiv ité (liste des compagnies d’assurances partenaires disponible sur simple demande) soumise au contrôle de l'ACPR, Autorité de Contrôle Prudentiel et de Résolution, 0 xxxxx xx Xxxxxxxx - XX 00000 - 00000 Xxxxx Cedex 09 et immatriculée à l'ORIAS dans la catégorie Courtier d'assurance sous le n° 110 613 17 (www.orias.f r) - 17 / 21 xxx.xxxxxxxx♦.xx 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 instruments, ♦ 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 French Insurance Code, ♦ Suicide and attempted suicide, ♦ Epidemics and pandemics unless otherwise stipulated in the policy, pollution, natural disasters, ♦ 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 ASSISTANCE 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 or force majeure event, as well as their consequences. MUTUAIDE ASSISTANCE can in no way replace the local emergency relief organisations and intervene within the limits of the agreements given by the local authorities, nor cover the costs thus incurred, with the exception of the costs of transport by ambulance or by taxi to the nearest place where appropriate care can be provided, in the event of mild illness or minor injuries that do not require repatriation or medical transport. The interventions that MUTUAIDE ASSISTANCE is required to perform are conducted in full compliance with national and international laws and regulations. They are, therefore, reliant on obtaining the necessary authorisations from the competent authorities. When MUTUAIDE ASSISTANCE has paid for the transport of an Insured, this person must return the ticket initially planned and unused. MUTUAIDE ASSISTANCE decides on the nature of the air ticketing made available to the Insured according to the possibilities offered by the airlines and the duration of the journey. CONDITIONS OF REIMBURSEMENT We can only refund the Insured up on presentation of original paid invoices corresponding to costs incurred with our approval. Refund requests must be sent to: MUTUAIDE ASSISTANCE Claim Management Department 000, xxx xx xx Xxxxxx F-93196 NOISY LE GRAND CEDEX OPERATING RULES FOR ASSISTANCE SERVICES Only the telephone call of the Insured at the time of the event permits implementation of assistance services. Upon receipt of the call, MUTUAIDE ASSISTANCE, after having verified the rights of the requester, organises and pays for the services provided for in this agreement. To benefit from a service, MUTUAIDE ASSISTANCE may ask the Insured to justify the status he invokes and to produce, at his expense, the items and documents proving this right. The Insured must allow our doctors access to any medical information concerning the person for whom we are intervening. This information will be processed in accordance with medical confidentiality. MUTUAIDE ASSISTANCE can in no way replace the local emergency relief organisations and intervene within the limits of the agreements given by the local authorities, nor cover the costs thus incurred, with the exception of the costs of transport by ambulance or by taxi to the nearest place where appropriate care can be provided, in the event of mild illness or minor injuries that do not require repatriation or medical transport. The interventions that MUTUAIDE ASSISTANCE is required to perform are conducted in full compliance with national and international laws and regulations. They are, therefore, reliant on obtaining the necessary authorisations from the competent authorities. When XXXXXXXX ASSISTANCE has paid for the transport of an Insured, this person must return the ticket initially planned and unused. XXXXXXXX ASSISTANCE decides on the nature of the air ticketing made available to the Insured according to the possibilities offered by the airlines and the duration of the journey. CONDITIONS OF REIMBURSEMENT We can only refund the Insured up on presentation of original paid invoices corresponding to costs incurred with our approval. Refund requests must be sent to: MUTUAIDE ASSISTANCE Claim Management Department 000, xxx xx xx Xxxxxx F-93196 NOISY LE GRAND CEDEX HANDLING OF COMPLAINTS

Worldwide. WHAT IS THE GEOGRAPHICAL SCOPE OF THE POLICY? The covers and/or services taken out under this policy apply worldwide. WHAT IS THE TERM OF THE POLICY? The term of validity corresponds to the duration of the services sold by the trip organiser. Under no circumstances can the cover last more than three months from the day of departure. The “CANCELLATION” cover takes effect when this policy is taken out and it expires on the day of departure on the trip (outward journey). The other covers take effect on the scheduled day of departure and expire on the scheduled day of return. WHICH GENERAL EXCLUSIONS APPLY TO ALL OUR COVERS? We cannot intervene when your requests for covers or services are the consequence of damage resulting from: ♦ Services which have not been requested during the trip or which have not been organised by us, or in agreement with us, do not give the right, subsequently, to a refund or indemnity, ♦ Dining and hotel expenses, except those specified in the description of covers, ♦ Xxxxxx Damage intentionally caused by the Insured and damage resulting from his participation in a xxx.xxxxxxxx.xx crime, an offence 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 a rally giving the right to national or international ranking which is organised by a sports federation for which a licence is issued, as well as training for these competitions, ♦ 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 machine, ♦ The consequences of non-compliance with recognised safety rules related to the practice of any leisure sporting activity, ♦ Expenses incurred after the return trip or expiry of the cover, ♦ Accidents resulting from your participation, even as an amateur, in the following sports: motor sports (regardless of the motorised 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 instruments, ♦ 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 French Insurance Code, ♦ Suicide and attempted suicide, ♦ Epidemics and pandemics unless otherwise stipulated in the policyEpidemics, 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 ASSISTANCE 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 or force majeure event, as well as their consequences. MUTUAIDE ASSISTANCE can in no way replace the local emergency relief organisations and intervene within the limits of the agreements given by the local authorities, nor cover the costs thus incurred, with the exception of the costs of transport by ambulance or by taxi to the nearest place where appropriate care can be provided, in In the event of mild illness disagreement or minor injuries that do not require repatriation dissatisfaction with the implementation of your policy, please contact GRITCHEN AFFINITY by writing to Complaints Department, 00 xxx Xxxxxxx Xxxxxx, F-18000 BOURGES or medical transport. The interventions that MUTUAIDE ASSISTANCE is required to perform are conducted in full compliance with national and international laws and regulations. They are, therefore, reliant on obtaining the necessary authorisations from the competent authorities. When MUTUAIDE ASSISTANCE has paid by e-mail : xxxxxxxxxxxx@xxxxxxxx.xx for the transport of an InsuredInsurance covers listed below: ✓ Cancellation ✓ Interruption ✓ Late arrival If you are not satisfied with the answer you receive, this person must return the ticket initially planned and unused. MUTUAIDE ASSISTANCE decides on the nature of the air ticketing made available to the Insured according to the possibilities offered by the airlines and the duration of the journey. CONDITIONS OF REIMBURSEMENT We you can only refund the Insured up on presentation of original paid invoices corresponding to costs incurred with our approval. Refund requests must be sent write to: Insurance Department TSA 20296 F-94368 Bry sur Marne Cedex MUTUAIDE ASSISTANCE Claim Management Department 000, xxx xx xx Xxxxxx F-93196 NOISY LE GRAND CEDEX OPERATING RULES FOR ASSISTANCE SERVICES Only the telephone call of the Insured at the time of the event permits implementation of assistance services. Upon undertakes to acknowledge receipt of the call, MUTUAIDE ASSISTANCE, after having verified the rights of the requester, organises and pays for the services provided for in this agreementyour letter within ten working days. To benefit from a service, MUTUAIDE ASSISTANCE may ask the Insured to justify the status he invokes and to produce, at his expense, the items and documents proving this right. The Insured must allow our doctors access to any medical information concerning the person for whom we are intervening. This information It will be processed in accordance with medical confidentialitywithin two months at most. HANDLING OF COMPLAINTSIf the disagreement persists, you may refer the matter for Insurance Mediation by writing to: TSA 50110 F-75441 Paris Cedex 09 The Insurance Mediation service is not competent to render decisions on policies taken out to cover professional risks.