Advantage Checkout

HOW TO CONTACT OUR 24/7 EMERGENCY ASSISTANCE MUTUAIDE ASSISTANCE 126, rue de la Piazza – CS 20010 – 93196 Noisy le Grand CEDEX 7 days a week – 24 hours a day

• by phone from France: 01.45.16.77.79

(Non-premium line number, cost according to telephone operator, calls may be recorded)

• by phone from outside France: 33.1.45.16.77.79 preceded by the local area access code to the international network

(Non-premium line number, cost according to telephone operator, calls may be recorded)

• by fax: 01.45.16.63.92
• by e-mail:

Moto Assistance : mobility@mutuaide.fr Travel Assistance : voyage@mutuaide.fr To help us serve you as quickly as possible, please have the following information ready before you call:

• Your policy number;
• Your full name;
• Your residential address;
• The country, city or region where you are located when you call;
• Please specify the exact address (building name or number, street, hotel name, etc.);
• A telephone number where we can contact you;
• The reason for your call.

On your first call, you will be given a support ticket number. Please note this number as you will need it on all subsequent calls to our 24/7 Emergency Assistance . Our 24/7 Emergency Assistance uses the following languages: French, English, Spanish. HOW TO CONTACT OUR INSURANCE DEPARTMENT MUTUAIDE – Service Assurance TSA 20001 - 93196 NOISY LE GRAND CEDEX Monday to Friday, 9 a.m. to 6 p.m.

• by phone from France: 01.45.16.77.79

(Non-premium line number, cost according to telephone operator, calls may be recorded)

• by phone from outside France: 33.1.45.16.77.79 preceded by the local area access code to the international network

(Non-premium line number, cost according to telephone operator, calls may be recorded)

• by e-mail: gestion-assurance@mutuaide.fr

Please have the following information ready before you call:

• Your policy number;
• Your full name;
• Your residential address;
• A telephone number where we can contact you;
• The reason for your report.

On your first call, you will be given an insurance claim number. Please note this number as you will need it for all subsequent contact with our Insurance Department. Our Insurance Department uses the following languages: French, English, Spanish. TABLE OF BENEFITS

MOTO ASSISTANCE
ASSISTANCE BENEFITS	COVER LIMIT
Breakdown assistance / Towing in your country of residence (A) Breakdown assistance / Towing outside your country of residence (B) Temporary accommodation (C) Repatriation to your home (D) Recovery of vehicle (E) Repatriation of the vehicle from abroad (F) Abandonment of the vehicle abroad (G)	(A) €500 (B) €500 €150/night (max. 3 nights) Travel ticket* Outward travel ticket* (F) €8,000 (G) Actual cost

* by train, second class; or by plane, economy class

TRAVEL ASSISTANCE
ASSISTANCE BENEFITS	COVER LIMIT
Medical information prior to departure (A) Repatriation or medical transport (B) Repatriation of the accompanying person (C) Repatriation of a body (D) Medical expenses outside your country of residence In addition to payments by social security bodies or any personal insurance (E1) In the absence of payments by social security bodies or any personal insurance (E2) Visit by a relative (F) Early return home (G) Sending of medicines abroad (H) Sending of medical aids abroad (I) Hotel expenses as a result of quarantine requirements (J) Impossibility of return home (K) Official documents (L)	Actual cost Actual cost Return journey ticket* Actual cost (E1) €300,000 (E2) €80,000 Outward and return ticket* + Hotel expenses €150 per night/max. 7 nights Return travel ticket* Cost of shipping Cost of shipping Hotel expenses €150 per night/max. 7 nights (K) €2,000 (L) Information service

* by train, second class; or by plane, economy class

INSURANCE BENEFITS	COVER LIMIT
INDIVIDUAL ACCIDENT Accidental death (a1) Total permanent disability of more than 55% following an accident (a2) Maximum per event (a3)	(a1) €50,000 (a2) €50,000 (a3) €500,000

COSTS RELATING TO INTERRUPTION OF TRIP Reimbursement for unused land-based services on a pro rata basis (b) 3 / LOSS OF LUGGAGE (c)

(b) €8,000 (c) €1,500

We, us, the Insurer SOLID Assurances, Swiss Branch, Rte de la Fonderie 2, 1700 Fribourg. The Insurer has delegated the management of assistance and insurance coverage to: MUTUAIDE ASSISTANCE – 126 rue de la Piazza - CS 20010 – 93196 Noisy le Grand CEDEX. A limited company (société anonyme) with share capital of €12,558,240 – Company supervised by governed by the French Insurance Code – Subject to the supervision of the Autorité de Contrôle Prudentiel de Résolution (ACPR - French Prudential Supervisory Authority) – 4 Place de Budapest, CS 92459, 75436 Paris Cedex 09 – Bobigny Trade and Companies Register (RCS) no. 383 974 086 – VAT no. FR 31 383 974 086. Accident Any damage suffered by the Insured Vehicle. Luggage Travel bags, suitcases, trunks and their contents, excluding clothing that you are wearing. Beneficiaries Holders of the "ELITE" LOYALTY CARD, referred to as "you". Injury Sudden deterioration of health resulting from the sudden action of an external cause not intentional on the part of the victim, established by a competent medical authority. Definition of moto assistance Moto assistance includes all services provided following the immobilisation or loss of use of the insured vehicle due to an insured event. Definition of travel assistance Travel assistance includes all services provided in the event of an insured event occurring during an insured trip. Insured trips Any trip undertaken more than 100 km from your home with the insured vehicle, including at least one night's accommodation. Home address The Insured's principal place of residence anywhere in the world. In the event of a dispute, the tax address constitutes the home address. Break-in Any forcing, breakage, damage, demolition and removal of elements used to close the vehicle. Epidemic An abnormally high incidence of a disease during a given period and in a given region. Abroad Any country outside your country of residence. Insured events

• For moto assistance cover: accident, breakdown, theft, vandalism of the insured vehicle,
• For travel assistance cover: illness, injury, death of the Beneficiary,
• For insurance cover: personal accident, interruption of stay, loss of luggage.

Payment of benefits The benefits guaranteed by the present agreement can only be paid out with the prior agreement of MUTUAIDE ASSISTANCE. Consequently, no expense incurred by the Beneficiaries on their own authority can be reimbursed by MUTUAIDE ASSISTANCE. Scope of intervention Minimum of 100 km from the home. Immobilisation of the vehicle Immobilisation of the vehicle commences from the moment it is deposited for repair in the garage closest to the location of the incident. The duration of the Immobilisation shall be indicated by the garage as soon as the Vehicle is examined or, where applicable, on the basis of an expert assessment. It shall end on the effective completion of the repair work. Illness A sudden and unforeseeable deterioration in health certified by a competent medical authority. Family members Your legal or de facto spouse or any person linked to you by a civil union, your ancestors or descendants or those of your spouse, your fathers-in-law, mothers-in-law, brothers, sisters, including the children of the spouse or cohabiting partner of one of your direct ancestors, brothers-in-law, sisters-in-law, sons-in-law, daughters-in-law or those of your spouse. They must be domiciled in the same country as you unless otherwise stipulated in the policy. We organise We take the necessary steps to give you access to the service. We pay for the service We finance the service. Nullification Any fraud, falsification or false declarations and false testimonies likely to implement the guarantees provided for in the agreement, will result in the nullification of our commitments and the forfeiture of the rights provided for in the said agreement. Pandemic An epidemic that develops over a wide area, crossing borders and qualified as a pandemic by the World Health Organisation (WHO) and/or by the competent local public authorities of the country where the disaster occurred. Breakdown Any accidental incident of mechanical, electrical, electronic or hydraulic origin, immobilising the Vehicle, making it impossible for the Driver to use it under normal safety conditions. Quarantine The isolation of a person in case of suspicion of disease or proven disease, decided by a local competent authority, with a view to avoiding a risk of spreading the said disease in the context of an epidemic or pandemic. Geographical coverage The entire world. Vandalism Material damage caused without any other motive than the desire to damage or destroy. Insured vehicle Any two-wheeled motorised land vehicle driven by the Beneficiary. Theft Fraudulent removal of the Vehicle committed by Break-in or following an act of violence. The insured vehicle is immobilised following an insured event. we will intervene in the following circumstances: BREAKDOWN ASSISTANCE / TOWING IN YOUR COUNTRY OF RESIDENCE The vehicle is immobilised in your country of residence following an insured event. We organise and bear the repairer’s callout fee if the vehicle can be repaired at the site of the event, and if necessary, towing to the dealer or garage closest to the place of immobilisation. Repair or towing costs are covered up to the amount indicated in the Table of Benefits. Repairs or towing on motorways, ringroads, or fast roads may be reimbursed subject to a telephone call to the 24/7 Emergency Assistance within 48 hours of the event and upon presentation of the original paid invoice. Vehicle repair costs remain at your expense. The benefits of this cover are organised and covered by our 24/7 Emergency Assistance in countries not crossed out on the international insurance card (green card). The benefits of this cover are reimbursed when they take place in other countries, subject to a prior call to our 24/7 Emergency Assistance. BREAKDOWN ASSISTANCE / TOWING OUTSIDE YOUR COUNTRY OF RESIDENCE The vehicle is immobilised outside your country of residence following an insured event. We organise and bear the repairer’s callout fee if the vehicle can be repaired at the site of the event, and if necessary, towing to the dealer or garage closest to the place of immobilisation. Repair or towing costs are covered up to the amount indicated in the Table of Benefits. Repairs or towing on motorways, ringroads, or fast roads may be reimbursed subject to a telephone call to the 24/7 Emergency Assistance within 48 hours of the event and upon presentation of the original paid invoice. Vehicle repair costs remain at your expense. The benefits of this cover are organised and covered by our 24/7 Emergency Assistance in countries not crossed out on the international insurance card (green card). The benefits of this cover are reimbursed when they take place in other countries, subject to a prior call to our 24/7 Emergency Assistance. TEMPORARY ACCOMMODATION The vehicle is immobilised for less than 72 hours following an insured event. We organise and cover temporary accommodation pending the repair of the vehicle in a garage close to the place of immobilisation, up to the amount indicated in the Table of Benefits. Dining costs remain at your expense. "Temporary accommodation" cover cannot be combined with "Repatriation to your home" cover. REPATRIATION TO YOUR HOME The vehicle is immobilised following an insured event and cannot be repaired within 72 hours. We will organise and pay for your return home, by the appropriate means of transport and according to local availability, by second class train or economy class flight. "Repatriation to your home" cover cannot be combined with "Temporary accommodation" cover. RECOVERY OF THE VEHICLE The vehicle is repaired following an insured event, or found in working order following theft. To allow you to collect your vehicle, we make available or reimburse you (or the person designated by you) for a second class train ticket or economy flight. Ancillary costs such as energy (fuel, electricity, LPG, etc.), hotel, catering, tolls and parking for the return of the repaired vehicle remain at your expense. "Recovery of the vehicle" cover cannot be combined with "Repatriation of the vehicle from abroad" cover. REPATRIATION OF THE VEHICLE FROM ABROAD The vehicle is immobilised abroad for a period of more than three days following an insured event. We organise and cover the repatriation of the vehicle to the garage designated by you and close to your home. This repatriation can only be carried out if its cost is less than the market value of the vehicle in your country of residence, based on an expert opinion, in its condition at the time of the request. We cannot be held responsible for delays that may occur in the repatriation of the vehicle that are not be attributable to us. We are not responsible for the theft of objects or accessories inside or outside the vehicle to be repatriated. We may not be held liable for any damage, vandalism, theft of objects or accessories occurring during the immobilisation and/or transport of the vehicle. In the event of damage, observations must be made by the garage in charge of receiving the vehicle and the carrier at the time of delivery. You must inform us of the damage, by registered letter, within three days of the date of delivery of the vehicle. "Recovery of the vehicle" cover cannot be combined with "Repatriation of the vehicle from abroad" cover. The benefits of this cover are organised and covered by our 24/7 Emergency Assistance in countries not crossed out on the international insurance card (green card). The benefits of this cover are reimbursed when they take place in other countries, subject to a prior call to our 24/7 Emergency Assistance. ABANDONMENT OF THE VEHICLE ABROAD The vehicle is declared wrecked following an insured event. We carry out the necessary formalities and bear the cost of abandoning the vehicle as well as customs fees. The following are not covered:

• Vehicles used for the transport of persons or goods for consideration,
• Vehicles carrying flammable or explosive goods, if the regulations for such activities have not been complied with,
• Events occurring on an uninsured vehicle,
• The costs required for the salvage of goods transported in the insured vehicle,
• The consequences of damage to vehicles during maritime transport,
• The dispatch of spare parts not available to wholesalers and brand dealers in France or in the event such parts are no longer produced by the manufacturer,
• Spare parts, repair costs,
• Customs, tolls, parking, energy (fuel, electricity, LPG, etc.), catering, hotel expenses, except those specified in the cover text,
• Fines,
• The consequences of a mechanical breakdown affecting a vehicle for which repairs classified as mandatory for vehicle inspections have not been carried out, or whose lack of maintenance is manifest, or which is affected by a mechanical failure known at the time of departure,
• The consequences of immobilising the vehicle to carry out maintenance, inspection or service operations,
• Costs and interventions resulting from inadequate power (fuel, electricity, LPG, etc.), an error in the type of energy used (fuel, electricity, LPG, etc.), battery failure,
• Loss, theft or breakage of keys,
• Theft of luggage, equipment, goods and various objects remaining in the vehicle, as well as vehicle accessories (e.g. radio),
• Immobilisations due to freezing,
• Damage resulting from participation as a competitor in any motorised or non-motorised competition (race, rally, etc.),
• Damage arising from wilful non-compliance with the regulations of the country visited or the practice of activities not authorised by the local authorities,

• The consequences of civil or foreign wars, riots, acts of terrorism, strikes, piracy, explosions of nuclear or radioactive devices and their effects, weather events such as storms, hurricanes, floods.

If you become ill or injured or you die during an insured trip, we will intervene in the following circumstances: INFORMATION BEFORE DEPARTURE For all information and enquiries relating to the organisation and smooth running of your trip, you can contact us before your trip 24 hours a day, 7 days a week. The information offered relates to the following areas: Health information: Health, hygiene, vaccinations, precautions to take, main hospitals, advice for women, time differences, pets when travelling. Information is given by telephone and is not confirmed in writing or sent in document format. Information services are provided between 8.00 a.m. and 7.00 p.m. and within the time frame normally required to satisfy the request. However, regardless of the time of the call, we welcome and record your requests and contact details in order to call you back with the answers you need. REPATRIATION AND MEDICAL TRANSPORT You are ill or injured during an insured trip, including in the event of an epidemic or pandemic. We will organise and pay for your repatriation to your home or to a hospital close to your home. Only medical requirements are taken into account when deciding on the date of repatriation, the choice of means of transport or the place of hospitalisation. The decision to repatriate is taken by our medical officer, after consulting the temporary attending physician and possibly the family doctor. During your repatriation, and on the advice of our medical officer, we will organise and pay for the transport of an accompanying person to travel with you. Any refusal of the solution proposed by our medical team will result in the cancellation of the travel assistance benefits. REPATRIATION OF THE ACCOMPANYING PERSON If you are medically repatriated, or if you die during an insured trip, we will organise and pay for the transport home of an insured person accompanying you at the time of the event, by second class train or economy class plane, if they are unable to return by the means initially planned. REPATRIATION OF THE BODY If you die while on an insured trip, we will organise the repatriation of your body to the place of burial in your country of residence. This service includes:

• The cost of transporting the body;
• Costs linked to preservation required by the applicable legislation;
• Costs directly necessitated by the transport of the body (handling, specific transport arrangements, storage).

MEDICAL EXPENSES OUTSIDE YOUR COUNTRY OF RESIDENCE When medical expenses have been incurred with our prior agreement (including in the event of an illness related to an epidemic or pandemic), we will reimburse you for the part of these expenses that is not covered by any insurance companies with which you are insured. We will only intervene once the reimbursements have been made by the aforementioned insurance companies, after deduction of an excess, the amount of which is indicated in the Table of Benefits, and subject to the communication of the original proof of reimbursement from your insurance company. This reimbursement covers the costs defined below, provided that they relate to treatment received by you outside your country of residence as a result of an illness or accident that occurred outside your country of residence. In this case, we will reimburse the amount of the expenses incurred up to the maximum amount indicated in the Table of Benefits. In the event that the insurance company with which you are insured does not cover the medical expenses incurred, we will reimburse the expenses incurred up to the amount indicated in the Table of Benefits, subject to you providing us with the original invoices for the medical expenses and confirmation of non-reimbursement issued by your insurance company. This benefit shall cease on the day we are able to repatriate you. Nature of the expenses entitled to reimbursement (subject to prior agreement):

• • medical expenses;
  • costs of medication prescribed by a doctor or surgeon;
  • ambulance costs ordered by a doctor for transport to the nearest hospital, only in the event of refusal to cover these costs by insurance companies;
  • hospitalisation costs provided that it is decided by the Assistance doctors, after gathering information from the local doctor, that you cannot be moved (hospitalisation costs incurred from the day we are able to repatriate you are not covered);

If you are not affiliated to any social security organisation or personal insurance company in your country of residence, we will pay for your medical expenses from the first euro, subject to the terms described above and the limit indicated in the Table of Benefits. EXTENSION OF THE SERVICE: ADVANCE OF HOSPITALISATION EXPENSES OUTSIDE YOUR COUNTRY OF RESIDENCE We can, within the limit of the amounts of benefits provided above, advance the hospitalisation costs that you need to incur outside your country of residence, under the following cumulative conditions:

• It must be considered by MUTUAIDE ASSISTANCE’s doctors, after gathering information from the local doctor, that it is impossible to repatriate you immediately to your country of residence.
• The care to which the advance relates must be prescribed in agreement with MUTUAIDE ASSISTANCE’s doctors.
• You, or any person authorised by you, must formally undertake, by signing a specific document provided by MUTUAIDE ASSISTANCE when this service is implemented:
  • to take steps to have the costs covered by the insurance companies within 15 days of the date on which MUTUAIDE ASSISTANCE sends the information necessary for these steps,
  • to reimburse MUTUAIDE ASSISTANCE for the sums received in this respect from the insurance companies within one week of receiving these sums.

We shall only be responsible for costs not covered by the insurance companies, within the limit of the amount of benefits provided for the “medical expenses” service. You must provide us with confirmation of non- reimbursement issued by these insurance companies within a week of receiving it. In order to preserve our subsequent rights, we reserve the right to ask you or your beneficiaries for a letter of undertaking committing you to take the necessary steps with social organisations and to reimburse us the sums received. If you do not take the necessary steps to have the costs covered by the insurance companies within the time limits, or if you do not present to MUTUAIDE ASSISTANCE within the time limits confirmation of non- reimbursement from these insurance companies, you will not be able to claim the “medical expenses” benefits and will have to reimburse the entirety of the hospitalisation expenses advanced by MUTUAIDE ASSISTANCE, which will, if necessary, initiate any relevant recovery procedure, the cost of which will be borne by you. If you are not affiliated to any social security organisation or personal insurance company in your country of residence, we will pay for your medical expenses from the first euro, subject to the terms described above and the limit indicated in the Table of Benefits. VISIT BY A RELATIVE If you are hospitalised on site at the decision of our medical team, before your medical repatriation, for a period of more than 7 days, we will organise and pay for the return transport by second class train or economy class flight of a member of your family residing in the same country as you, as well as their accommodation costs (room and breakfast) so that they can visit you in hospital. We will pay for their accommodation up to the amount indicated in the Table of Benefits. In all cases, the cost of meals and other expenses will be borne by this person. This benefit cannot be combined with the “Repatriation of Accompanying Person” benefit. EARLY RETURN HOME If you have to interrupt your trip prematurely in one of the cases listed below, we cover your additional transport costs as well as those of the person accompanying you for your return to your home, on the basis of a second class train ticket or economy class flight. We will provide coverage in the following cases:

• death of a member of your family,
• unplanned hospitalisation of a member of your family for more than 7 days.

SENDING MEDICINES ABROAD If, during an insured trip outside your country of residence, you are unable to take medicines essential to your health, following their loss or theft, we will pay for the search and transport of these medicines, if these medicines or their equivalents recommended by the doctors of MUTUAIDE ASSISTANCE cannot be found on the spot (provided that you provide us with the details of your attending physician). We will pay for the shipment of the medicines by the fastest means, subject to local and French legal constraints. You are responsible for customs duties and the cost of purchasing the medicines. SENDING MEDICAL AIDS ABROAD If, during an insured trip outside your country of residence, you are unable to obtain the glasses, corrective lenses or hearing aids that you normally wear, following their breakage or loss, we will pay for the delivery of these items (subject to you providing us with the full details of the items and the contact details of your usual ophthalmologist or prosthetist). We will pay for the shipment of the medical aids by the fastest means, subject to local and French legal constraints. You are responsible for customs duties and the cost of designing the glasses, lenses or hearing aids. HOTEL EXPENSES AS A RESULT OF QUARANTINE REQUIREMENT If you are obliged to extend your stay as a result of being required to quarantine, we will organise and pay the hotel expenses (room and breakfast) as well as those of the person accompanying you, up to the amount indicated in the Table of Benefits. IMPOSSIBILITY OF RETURN HOME If your flight has been cancelled as a result of travel restrictions imposed by the local government or airline companies in the event of an epidemic or pandemic, we will organise and pay for your repatriation to your home, depending on local availability, up to the amount indicated in the Table of Benefits. OFFICIAL DOCUMENTS During an insured trip outside your country of residence if your official documents (passports, national identity card, etc.) are lost or stolen. Simply call our service and we will inform you of the steps to be taken (filing a complaint, renewing your documents, etc.). The information communicated is factual information covered by article 66.1 of the amended law of 31 December 1971. It does not constitute legal advice. The following are not covered:

• Travel undertaken for the purpose of diagnosis and/or treatment;
• Medical and hospitalisation expenses in the country of residence;
• Intoxication, suicide or attempted suicide and the consequences thereof;
• Any voluntary mutilation of the Beneficiary;
• Minor illnesses or injuries that can be treated on the spot and/or that do not prevent the Beneficiary from continuing his/her journey;
• Pregnancy, unless there is an unforeseeable complication, and in all cases, pregnancy beyond the 36^th week, voluntary interruption of pregnancy, or the consequences of childbirth;
• Convalescence and illnesses under treatment, not yet stabilised and involving a risk of sudden worsening;
• Pre-existing illnesses involving hospitalisation in the six months preceding the date of departure for the trip;
• Events related to medical treatment or surgery that are not unforeseen, unexpected or accidental;
• The cost of prostheses: optical, dental, acoustic, functional, etc.;
• The consequences of situations involving the risk of infection in an epidemic, which are subject to quarantine or preventive measures or specific surveillance by the international and/or local health authorities of the country where you are staying and/or the national health authorities of your country of origin;
• The costs of spa treatments, beauty treatments, vaccinations, and costs arising therefrom;
• Stays in a rest home and costs arising therefrom,
• Rehabilitation, physiotherapy, chiropractic treatment, and costs arising therefrom;
• Planned hospitalisations.

PERSONAL ACCIDENT

1. SPECIFIC DEFINITIONS

Beneficiary(ies) The person or persons who receive from the Insurer the sums due in respect of a claim. In the event of the death of the Insured, unless another person has been designated by the Insured, the sums due shall be paid: - if the INSURED is married, to his/her spouse who is neither legally separated nor divorced, failing which to his/her children born or unborn, living or represented, failing which to his/her heirs;

• if the INSURED is signatory to a PACS civil union or equivalent, to his/her partner, failing which to his/her heirs;
• if the INSURED is widowed or divorced, to his/her children, failing which to his/her heirs;
• if the INSURED is single, to his/her heirs.

In all other cases, other sums are paid to the Insured who is the victim of the accident. Any person who intentionally caused or triggered the claim event is excluded from the cover. Accident Any unintentional bodily injury on the part of the victim during a competition resulting from the sudden action of an external cause. By extension to this definition, pathological manifestations which are the direct consequence of this bodily injury are covered. The following are considered to be accidents:

• injuries caused by fire, steam jets, acids and corrosive substances, lightning and electric current;
• asphyxiation by immersion and asphyxiation by the inadvertent inhalation of gases or vapours;
• the consequences of poisoning and bodily injury due to the unintentional ingestion of toxic or corrosive substances;
• cases of exposure, congestion and freezing following shipwrecks, forced landings, collapses, avalanches, floods or any other events of an accidental nature;
• the direct consequences of animal bites or insect stings, excluding diseases (such as malaria and sleeping sickness), the primary origin of which can be traced back to such bites or stings;
• bodily injuries resulting from aggression or attacks of which the Insured is a victim, unless it is proven that the Insured was actively involved as the author or instigator of these events;
• the physiological consequences of surgical operations, provided that such operations were required as the result of an accident covered under the policy.
• heart attacks and strokes.

Illness Any deterioration in health established by a competent medical authority. Permanent disability Presumed permanent impairment of the Insured’s physical capacities. The extent of such impairment is quantified by reference to the following disability scale. The rate of disability is established following a medical examination.

	RIGHT		LEFT
Full loss of: an arm a forearm or hand a thumb an index finger a middle finger a ring finger a little finger a thigh a leg two limbs a foot	70% 60% 20% 12% 6% 5% 4%	55% 40% 100% 40%	60% 50% 17% 10% 5% 4% 3%

a big toe other toes both eyes visual acuity or one eye Complete, incurable deafness not correctable by a hearing aid Complete, incurable deafness in one ear not correctable by a hearing aid Total and incurable alienation

8% 3% 100% 25% 60% 10% 100%

1. PURPOSE OF THE INSURANCE

The policy is designed to cover the payment of the compensation defined below, the amounts of which are set out in the Table of Benefits, in the event of a bodily injury affecting the Insured.

1. EXCLUSIONS

1. • Accidents caused or provoked intentionally by the Insured, the consequences of the Insured’s suicide or attempted suicide, as well as accidents caused by the use of drugs or narcotics not prescribed by a doctor.
   • Accidents occurring when the Insured is the driver of a vehicle and his/her blood alcohol level is higher than that legally allowed in the country where the accident takes place.
   • Accidents resulting from the participation of the Insured in a brawl (except in the case of self-defence or assistance to a person in danger), a duel outside a competition, a misdemeanour or a criminal act.
   • Accidents occurring during the use as a pilot or crew member of an aircraft allowing movement in the air or during the practice of sports carried out with or from such aircraft.
   • Accidents caused by civil or foreign war, whether declared or not.
   • Accidents due to ionising radiation emitted by nuclear fuels or by radioactive products or waste, or caused by weapons or devices intended to explode by modification of the structure of the atomic nucleus.

1. TYPES OF COMPENSATION

DEATH If, within a maximum period of 24 months from the date of the accident of which the Insured was a victim, the said accident results in death, we cover the payment of the capital sum, the amount of which is fixed in the Table of Benefits, to the persons designated in the Special Terms and Conditions as Beneficiaries. If, prior to the death, the same accident gave rise to the payment of compensation for permanent disability in application of the following conditions, the capital sum will be reduced by the amount of this compensation. The officially recognised disappearance of the body of the Insured during the wreck, disappearance or destruction of the means of transport in which he/she was travelling, will give rise to a presumption of death at the expiry of a period of one year from the day of the accident. However, if it is established at any time after the payment of compensation for the disappearance of the Insured, that the latter is still alive, the sums unduly paid in this respect must be reimbursed to us in full. PERMANENT DISABILITY If the accident results in permanent disability, we shall pay the Insured a maximum compensation amount corresponding to the 100% rate of the disability scale. If the disability is partial and equal to or less than 55%, the Insured shall be entitled to a fraction of the compensation amount in proportion to the degree of disability. Disabilities not listed are compensated according to their severity in comparison to the cases listed. The compensation is a lump sum, contractual amount. It shall be determined according to the rules set out above, without taking into account the age or profession of the Insured. The degree of disability will be established at the moment when the definitive consequences of the accident can be determined with certainty, and at the latest, unless otherwise agreed between the Insured and us, at the expiry of a period of one year from the day of the accident. There is no accumulation of death and disability benefits when they result from the same accident. MULTIPLE DISABILITIES Where the same accident results in several distinct disabilities, the main disability is assessed first under the conditions set out above, and the other disabilities then assessed successively, in proportion to the capacity remaining after the addition of the previous ones, but the overall rate may not exceed 100%. The absolute functional incapacity of a limb or organ shall be treated as the loss of that limb or organ. No compensation shall be payable for the loss of limbs or organs which were incapacitated before the accident. If the accident affects a limb or organ which is already disabled, the compensation shall be determined by the difference between the condition before and after the accident. In no case shall the assessment of injuries resulting from the accident be increased by the infirmity of limbs or organs not affected by the accident. Nervous disorders and nerve damage may be taken into consideration, insofar as they constitute the consequence of an insured accident, only if they are shown on examination by clearly characterised clinical signs.

1. DECLARATION IN THE EVENT OF A CLAIM

In the event of a claim, it is essential that you send us, immediately, full details of the circumstances in which the claim has arisen, and its possible consequences. FORM AND NECESSARY INFORMATION The Insured or his/her beneficiaries, yourself if applicable, or any agent acting on his/her behalf must report any claim, in writing or verbally in return for a receipt, at our Head Office or to our representative designated in the policy, within fifteen days at the latest of the date on which he/she became aware of it. If the claim is not reported within the time limit stipulated above, except in the case of unforeseeable events or force majeure, we may refuse benefits if we can establish that the delay in reporting the claim has caused us to incur losses or damages. In addition, he/she must provide us with all information on the seriousness, causes and circumstances of the claim event and indicate, if possible, the names and addresses of the witnesses and perpetrators. The claim report must include in particular:

• the date, circumstances and location of the accident;
• the full name, date of birth, address and profession of the victim(s);
• the initial medical certificate describing the nature of the injuries and their probable consequences.

The victim or his/her dependants must make every effort to limit the consequences of the accident and, in particular, seek the medical care required by the victim’s condition. The agents and doctors appointed by us shall, unless there is justified opposition, have free access to the victim and his/her treating doctors to ascertain his/her condition. Any intentional false statement concerning the date or circumstances of an accident, duly established and likely to cause us harm, shall entail forfeiture of the rights to compensation which, if already paid, must be reimbursed to us. EXAMINATION The Insured is obliged to submit to examination by the doctors appointed by us, and our representatives willhavefreeaccesstotheInsuredwheneverweconsiderituseful,under penalty of the Insured or any beneficiary forfeiting their rights if, without valid reason they refuse to allow our delegates to carry out an examination or obstruct the exercise of such an examination if, after notice given forty-eight hours in advance by registered letter, we encounter a persistent refusal on their part or remain prevented from carrying out our examination. Any fraud, concealment or misrepresentation on your part or on the part of the beneficiary of the compensation, intended to mislead us as to the circumstances or consequences of a claim, shall lead to the loss of any right to compensation for the claim in question.

1. PAYMENT OF COMPENSATION

DETERMINATION OF THE CAUSES AND CONSEQUENCES OF THE ACCIDENT The causes of the accident and its consequences and the degree of disability shall be established by agreement between the parties or, failing agreement, by two doctors, each appointed by one of the parties. In the event of a difference of opinion, a third doctor will be appointed to settle the dispute; if they do not agree on the choice of this doctor, or if one of the parties fails to appoint his/her doctor, the appointment shall be made at the request of the first party to act by the Presiding Judge of the High Court of the Insured’s place of residence with exemption from oath and all other formalities. Each party shall be liable for the fees and expenses relating to the intervention of the doctor they have appointed, with the fees and expenses relating to the possible intervention of a third doctor being shared equally between them. INDEPENDENT AGGRAVATION OF THE ACCIDENTAL EVENT Whenever the consequences of an accident are aggravated by the constitutional state of the victim, by a lack of care due to his negligence or by empirical treatment, by a pre-existing disease or infirmity and in particular by a diabetic or haematological condition, the compensation due shall be determined according to the consequences which the accident would have had in an able-bodied person in normal health under rational treatment. PAYMENT The compensation due under the policy shall be paid:

• In the event of death or permanent disability, within one month of the submission of the documents proving the accidental death of the Insured and the status of the beneficiary, or the agreement of the parties on the degree of disability.
• In the absence of agreement between the parties, the compensation will be paid within fifteen days of the court decision becoming binding.

WHAT ARE YOUR OBLIGATIONS IN THE EVENT OF A CLAIM? You should contact our Insurance Department. 2/ COSTS RELATING TO INTERRUPTION OF TRIP Following medical repatriation organised by MUTUAIDE ASSISTANCE or by any other assistance company, we will reimburse, pro rata, any travel costs paid before your departure and not used, with effect from the night following the event leading to the medical repatriation or immediate hospitalisation. Similarly, if a member of your family who is not participating in the trip suffers a serious illness, serious bodily injury or death, and if, as a result, you have to interrupt your stay and we proceed with your repatriation, we will reimburse, pro rata, any travel costs paid before your departure and not used, with effect from the night following the date of the early return home. In addition, in the event of theft, serious damage due to fire, explosion, water damage or damage caused by the forces of nature to your professional or private premises, and imperatively requiring your presence to take the necessary protective measures, we will reimburse, pro rata, any travel costs paid before your departure and not used, with effect from the night following the date of the early return home. WHAT IS EXCLUDED In addition to the exclusions common to all benefits, the following are also excluded:

• • Claims for reimbursement of travel tickets;
  • Services paid after departure on a trip,
  • Interruptions to the trip of which the cause was known before the start of the trip.

WHAT ARE YOUR OBLIGATIONS IN THE EVENT OF A CLAIM? You must report the claim to MUTUAIDE – Service Assurance (Insurance Department) within five working days of when you became aware of the loss, except in the case of unforeseen events or force majeure. If you do not comply with this deadline and we suffer loss as a result, you lose all rights to compensation. You must send us all the documents necessary for the establishment of the claim and thus prove the validity and the amount of the claim. In all cases, you must provide us with:

• The original detailed invoices showing the land and transport services;
• The certificate or proof from the Assistance company confirming the date of repatriation or early return home and the reason for this;
• Any other document that we may consider necessary to process the claim.

Without the communication to our medical advisor of the medical information needed for the investigation, the claim cannot be settled. 3. LUGGAGE We cover, up to the amount indicated in the Table of Benefits, your luggage, objects, and personal effects carried with you or bought during your trip, outside of your principal or second home, in the event of loss. WHAT IS EXCLUDED In addition to the exclusions common to all benefits, the following are also excluded:

• Theft of luggage,
  • Forgotten, exchanged, or destroyed luggage,
  • Accidental damage due to the leakage of liquids, oily substances, colourings or corrosive substances contained in your luggage;
  • Confiscation of goods by the authorities (customs, police);
  • Damage caused by moths and/or rodents as well as by cigarette burns or by a non-incandescent heat source;
  • Collections, samples from sales representatives;
  • Cash, documents, books, tickets and credit cards,
  • Passport, identity or residence card, vehicle registration document and driver's licence,
  • Breakage of fragile objects such as porcelain, glass, ivory, pottery, marble;
  • Indirect losses such as depreciation and loss of use;
  • The following objects: any prosthesis, equipment of any kind, trailers, valuable securities, paintings, glasses, contact lenses, keys of any kind, documents recorded on tapes or films as well as professional equipment, mobile phones, musical instruments, food products, lighters, pens, cigarettes, alcohol, art objects, beauty products and photographic films.

WHAT AMOUNTS DO WE COVER? The amount indicated in the Table of Benefits constitutes the maximum amount reimbursed for all claims arising during the cover period. HOW IS YOUR COMPENSATION CALCULATED? In the event of theft, you will be reimbursed on the basis of proof and the replacement value of equivalent objects of the same kind, with deductions made for depreciation. During the first year from the date of purchase, the amount reimbursed will be equal to the purchase value of the luggage or the valuable object. In the following year, the refund amount will be calculated at 75% of the purchase price. In subsequent years the value will be reduced by a further 10%. In all cases, the proportional capital rule provided for in Article L.121-5 of the French Insurance Code shall not apply. Our reimbursement will be made after deduction of any reimbursement obtained from the transport company or under another personal insurance policy. WHAT ARE YOUR OBLIGATIONS IN THE EVENT OF A CLAIM? You must report the claim to MUTUAIDE – SERVICE ASSURANCE within five working days except in the case of unforeseen events or force majeure; if you do not comply with this deadline and we suffer loss as a result, you will lose all rights to compensation. The claim report must be accompanied by the following information:

• The loss report,

• The filing of a complaint with the local police,

• The letter of reimbursement from the airline or your personal insurance company stating the compensation paid to you;

• The original purchase receipts for the lost items;

If these documents are not provided, you forfeit your right to compensation. The sums insured cannot be considered as proof of the value of the goods for which you are claiming compensation, nor as proof of the existence of these goods. You are required to prove, by all means in your power and by all documents in your possession, the existence, and value of these goods at the time of the claim, as well as the extent of the losses incurred. If you knowingly use inaccurate documents or fraudulent means or make inaccurate or concealed declarations as proof, you will lose all rights to compensation, without prejudice to any legal proceedings that we may then be entitled to take against you. WHAT HAPPENS IF YOU RECOVER ALL OR SOME OF YOUR LUGGAGE, OBJECTS OR PERSONAL EFFECTS? You must notify MUTUAIDE - SERVICE ASSURANCE immediately by registered letter as soon as you are informed of this:

• ifwehavenotyetpaidcompensation,youmusttakebackthesaidluggage,objects,orpersonaleffects;wearethen onlyobligedto pay for anymissing items.

• if we have already paid compensation, you may choose within 15 days:

• either to surrender the said luggage, objects or personal effects to us,
• or to take back the said luggage, objects or personal effects in return for the repayment of the compensation you have received, minus, where applicable, the part of this compensation corresponding to any damaged or missing items.

If you do not choose within 15 days, we will consider that you have opted to surrender the items to us. The following are not covered:

• • Services which have not been requested during the trip or which have not been organised by us or in agreement with us are not eligible for reimbursement or compensation after the event;
  • Damage caused intentionally by the beneficiary and that resulting from his/her participation in a crime, misdemeanour or brawl, except in self-defence;
  • Amounts due in fines/penalties and their consequences,
  • The use of narcotics or drugs not prescribed medically,
  • The state of drunkenness;
  • Participation as a competitor in a competitive sport or rally leading to a national or international ranking which is organised by a sports federation for which a licence is issued, as well as training for such competitions;
  • Business trips and the practice of any sport in a professional capacity;
  • Participation in competitions or endurance or speed events and their preparatory stages, on board any land, water, or air vehicle;
  • The consequences of non-compliance with the recognised safety rules associated with the practice of any leisure sport;
  • Expenses incurred after the return from the trip or the expiry of the policy;
  • Accidents resulting from participation, even as an amateur, in the following sports: motor sports (except any two-wheeled motorised land vehicle driven by the Beneficiary), aerial sports, high mountain climbing, bobsleigh, hunting dangerous animals, ice hockey, skeleton, combat sports, potholing, snow sports with an international, national or regional ranking;
  • Wilful non-compliance with the regulations of the country visited or the practice of activities not authorised by the local authorities;
  • Official prohibitions, seizures, or restrictions imposed by the public authorities;
  • The use by the Beneficiary of aerial navigation equipment;
  • The use of war devices, explosives, and firearms;
  • Damage resulting from intentional or fraudulent misconduct on the part of Beneficiary in accordance with Article L.113-1 of the French Insurance Code;
  • Suicide or attempted suicide;
  • Epidemics and pandemics, unless otherwise stipulated in the policy;
  • Civil or foreign wars, riots, strikes, public unrest, acts of terrorism, hostage taking;
  • Radioactive decay or any irradiation from a radioactive energy source;

MUTUAIDE ASSISTANCE cannot be held responsible for failures or delays in the execution of its obligations resulting from events of force majeure, or events such as civil or foreign war, riots or public unrest, lock-outs, strikes, attacks, acts of terrorism, piracy, storms and hurricanes, earthquakes, cyclones, volcanic eruptions or other natural disasters, radioactive decay, the explosion of devices and radioactive nuclear effects, epidemics, the effects of pollution and natural disasters, the effects of radiation or any other unforeseen event or event of force majeure, as well as their consequences. The assistance services can only be implemented after a telephone call from the Beneficiary at the time of the event. As soon as the call is received, MUTUAIDE ASSISTANCE, after checking the entitlements of the caller, will organise and pay for the services provided for under this policy. In order to provide a service, MUTUAIDE ASSISTANCE may ask the Beneficiary to justify his/her status and to produce, at his/her own expense, the documents proving this entitlement. The Beneficiary must allow our doctors access to all medical information concerning the person for whom we are intervening. This information will be treated in accordance with full medical confidentiality. MUTUAIDE ASSISTANCE can in no way replace the local emergency services and shall only intervene within the limits of the agreements given by the local authorities, nor can it pay for the costs thus incurred, with the exception of the cost of transport by ambulance or taxi to the nearest place where appropriate care can be given, in the case of a minor illness or slight injury requiring neither repatriation nor medical transport. Any services or interventions by MUTUAIDE ASSISTANCE will comply fully with national and international laws and regulations. As such, the necessary authorisations from the competent authorities must be obtained. When MUTUAIDE ASSISTANCE bears the cost of transport for a Beneficiary/Insured Party, the said party must return the unused return ticket initially booked. MUTUAIDE ASSISTANCE shall decide on the nature of the air ticket made available to the Beneficiary according to the possibilities offered by the airlines and the duration of the journey. We will only reimburse monies to the Beneficiary on presentation of original receipted invoices for expenses incurred with our agreement. Requests for reimbursement should be addressed to: MUTUAIDE ASSISTANCE Service Gestion des Sinistres (Claims Management Department) 126, rue de la Piazza – CS 20010 – 93196 Noisy le Grand CEDEX Website terms and conditions The website www.fim-advantage.com (the "Website") is provided by FIM, the registered office being at 11, Route de Suisse, 1295 Mies, Switzerland. The FIM employs the Website notwithstanding the possibility of any other ad hoc or permanent electronic addresses which may also provide access to the content and services provided by means of the Website. Access by users Access to and/or usage of the Website of FIM establishes user status and presupposes acceptance of these Terms & Conditions, in addition to the Privacy Policy of the FIM. The aforementioned conditions shall apply irrespective of any general contractual and electronic commerce conditions which may apply to the functionality provided by the Website. Users undertake to employ the services and information provided to the Website in accordance with principles of good faith. Initial access to the Website is free of charge. However, there may be functionalities or services which are subject to payment of a price under the conditions established in each case. In the event that in order to employ certain functions or services user registration is required, this will be performed by means of data gathering forms, subject to the terms of personal data protection legislation. Protection of intellectual and industrial property rights FIM or licensors of FIM own the intellectual and industrial property rights over the Website, including the content and graphical elements, the source code, design, browsing structure, databases and other elements comprising the Website. FIM is therefore exclusively entitled to exercise rights of exploitation in any form, and specifically rights of reproduction, distribution, public presentation and transformation. Any usage or reproduction performed by users of this content, or any which may in the future be included, must be performed in accordance with these Terms & Conditions, and in all cases with the written authorisation of FIM. Reservation of rights: FIM explicitly declares a reservation of rights in general with regard to the set of content disseminated via the Website and subject to intellectual and industrial property. FIM expressly objects to the usage of any of the content of the publications of FIM in any format for the purpose of press reviews or cuttings for commercial purposes without the prior, express and written authorisation of FIM. These Terms & Conditions do not constitute any assignment of rights to users with regard to any of the elements which comprise the Website or the content thereof. 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Users may display the content of this Website, or copy and print it on their computer or any other platform, solely for their own personal and private use. Responsibility for content FIM reserves the right to modify or eliminate the content of the Website, and to limit or impede access, on either a temporary or definitive basis, without prior notice. FIM accepts no responsibility for technical access, information or the content of other websites to which it may refer or link from the Website. FIM does not necessarily share the opinions expressed by its contributors. Information regarding links accessible from the Website: FIM accepts no responsibility for third-party websites and those not owned by it which may be accessed via links or any other content made available by third parties. Any usage of a link or connection to a third-party website is performed at the sole risk and venture of the user. FIM  does not recommend or guarantee any information obtained via a link beyond the confines of the Website, and accepts no responsibility for any loss, claim or damages derived from usage or misuse of a link, or the information obtained thereby, including other links or websites, interruption of service or access, or an attempt to make any usage or misuse of a link, whether in connecting to the Website or accessing information of other websites from this Website itself. Notwithstanding any other provision of these Terms & Conditions, FIM excludes any liability connected with the Website or these Terms & Conditions to the extent legally possible. Right of exclusion FIM reserves the right to deny or withdraw access to its Website and/or the services provided without the need for prior notification, on its own initiative or at the behest of a third party, in the event that users are in breach of these Terms & Conditions. Subscriptions Subscription to products published by FIM conducted via the Website will be voluntary, and presuppose acceptance of the conditions established in the case in question, which users must expressly accept. This will likewise presuppose agreement to receive commercial information regarding the products and services of FIM. Registration for such services constitutes authorisation for FIM to perform this type of communication. Users may revoke authorisation by contacting FIM in the manner indicated in each case. General aspects FIM explicitly reserves the right to pursue any breach of these Terms & Conditions for any improper usage of its websites by exercising all civil and criminal actions to which it may legally be entitled. FIM cannot guarantee that the Website and the server are free of viruses, and therefore accepts no liability for any damages which may be caused by such anomalies or any other technical incidents. It excludes any warranties connected with its Website and the use of its Website. Modification and duration of these Terms & Conditions FIM may modify these Terms & Conditions from time to time and such modified version of the Terms & Conditions set out on the Website will replace the former Terms & Conditions with immediate effect. Applicable legislation and jurisdiction The relationship between FIM and users shall be governed by substantive Swiss law excluding the conflict of law rules and the Laws in treaties. The courts of Zurich, Switzerland, shall have exclusive jurisdiction to settle any dispute which may arise out of or in connection with the relationship between FIM and the users.