GRM CORPORATE TRAVEL INSURANCE POLICY

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1 As at 30 November 2012 Policyholder(s): GRM International Pty Limited, GRM Futures Group Pty Ltd and its/their subsidiary and related bodies corporate, as defined in the Corporations Law, controlled entities and other entities for which the Insured has assumed an obligation to arrange insurance (including those acquired or incorporated during the Period of Insurance) for their respective rights, titles and interests. Covered Person(s)/ Categories: A. Employees of the Policyholder including Accompanying Spouse/Partner and/or their Dependent Children. B. All Nominated Expatriates and Inpatriates of the Insured. Who is Covered? Coverage under this Policy applies whilst an insured person is engaged in a Journey (as defined below) undertaken on GRM s business, including any incidental private travel (as defined). Incidental Private Travel means travel which is private and taken either side of or during an authorised business trip. The incident travel portion must not exceed more than 60% of the trip in its entirety unless authorised by us. Coverage is included for your accompanying Spouse and Dependent Children, as defined below: SPOUSE means an Insured Person's husband or wife and includes a de-facto and/or life partner with whom an Insured Person has continuously cohabited for a period of three (3) months or more. DEPENDENT CHILDREN means an Insured Person's and their Spouse's unmarried dependent children (including step or legally adopted children) as long as they are under nineteen (19) years of age or under twenty-five (25) years of age while they are full-time students at an accredited institution of higher learning and in either case, are primarily dependent upon the Insured Person for maintenance and support. JOURNEY means a trip undertaken on the business of the Policyholder and/or authorised by the Policyholder provided such travel involves a destination fifty (50) kilometres or more from the Covered Persons normal place or business or residence and does not include normal daily travel between residence and place of business. Cover shall commence from the time a Covered Person leaves their normal place of residence or place of business, whichever is left last and they continue on a fulltime twenty-four (24) hour basis until they return to their normal place of residence or place of business, whichever occurs first. The maximum duration of any one trip is ninety (90) days. Geographical Limit(s): Worldwide Period of Insurance: 30 November 2012 to 30 November 2013 at 4.00pm Eastern Standard Time If this communication contains personal information we expect you to treat that information in accordance with the Australian Privacy Act 1988 (Cth) or equivalent. You must advise us if you cannot comply.

2 Page 2 Schedule of Benefits: Insurer ACE Insurance Limited 100% Limits of Liability Section Limits AUD10,000,000 any one Period of Insurance and in the aggregate excluding the following sections: Medical & Additional Expenses Baggage/Business Property Personal Liability Extra Territorial Workers Compensation Political Evacuation EXCEPT: Personal Accident Lump Sum Insured AUD2,000,000 any one Period of Insurance in respect of nonscheduled flights. Medical & Additional Expenses Cancellation/Curtailment Expenses Continuous Bed Confinement ACE Emergency Assistance Loss of Deposit Baggage/Business Property Electronic Equipment Deprivation of Baggage Money/Travel Documents Alternative Employee Resumption of Assignment Expenses Personal Liability - Employees AUD500,000 - Accompanying Spouses (Section 1 Part A) AUD250,000 - Accompany Spouses (Events 2-19) AUD250,000 - Accompanying Dependant Children AUD30,000 Weekly Injury Benefits (Employees only) AUD1,000 Benefit Period Excess Period (max 85% of earnings) 156 weeks 7 days Note: Expatriate Employees and their accompanying Spouse and Dependent Children are not insured by this policy section. Cover provided under GRM s Expatriate Health Plan. Category A - Unlimited Category B - Unlimited Category A - Unlimited Category B - Unlimited Daily Benefit AUD200 - maximum 30 days per person Included. Please refer attached. Sum Insured - AUD15,000 per person Sum Insured - AUD7,500 (limit any one item AUD5,000) Sum Insured - AUD5,000 Excess - AUD50 Sum Insured - AUD3,000 Sum Insured AUD10,000 Sum Insured - AUD25,000 Sum Insured - AUD10,000,000

3 Page 3 Rental Vehicle Excess Waiver Extra Territorial Workers Compensation (any one accident) Missed Transport Connection Over Booked Flight Political & Natural Disaster Evacuation Search and Rescue Expenses Sum Insured AUD10,000 Weekly Benefits - AUD1,000 Damages, Costs & Expenses - AUD1,000,000 Aggregate Limit of Liability - AUD2,000,000 Sum Insured - AUD10,000 per person Sum Insured AUD2,500 Sum Insured - AUD20,000 per person Annual Aggregate - AUD250,000 Sum Insured AUD20,000 per person Annual Aggregate AUD100,000 Important Notes: 1. Please ensure ALL Electronic Equipment is carried as personal cabin luggage when travelling in or on any aircraft, aerial device, bus, waterborne vessel or craft. The Covered Person shall take all reasonable precautions for the safety and supervision of Baggage/Business Property, Electronic Equipment or Money/Travel Documents 2. AGE LIMIT cover under this policy in restricted to person(s) not more than 80 years of age. In relation to Permanent or Temporary Total Disablement, Permanent or Temporary Partial Disablement, Weekly Injury and Sickness the age limit is restricted to 75 years of age. 3. The policy does not provide cover for rendering of professional service in Australia for which a Medicare benefit is or would be payable in accordance with the Health Insurance Act War exclusion applies to the following countries: Afghanistan, Chad, Chechnya, Cote d Ivoire (Ivory Coast), Democratic Republic of Congo, Iraq, Israel, Somalia and Sudan. Please contact Head Office Representative for more information in relation to this exclusion. 5. Please note this is only a brief summary of the cover provided. For full details of terms, conditions and exclusions reference should be made to policy document.

4 Page 4 ACE Assistance/Customer Care In the event of an Emergency: Call the Customer Care number on your Card, reverse charges and advise: 1. Name: 2. Company Name: GRM International Pty Limited 3. Customer Care Membership Number (on card): CC016GRM 4. A return telephone number: 5. Your location: 6. Nature of Assistance Required: The telephone number to call is: Australia: (Please call Reverse Charge) The website address is: ACE Assistance & Customer Care provide the following services: Emergency Medical Assistance and Advice Evacuation or Repatriation if necessary Liaison and case management with your hospital/medical provider Liaison and case management with ACE Insurance. Pre-travel advice Assistance in replacing a lost or stolen passport Assistance in tracing delayed or lost luggage Verification of Medical Insurance to Medical Providers Guaranteed payment of Medical Services to Providers Emergency medical advice 24 hours per day Assistance in arranging medical appointments and hospital admission (if medically necessary) Advice and information on the location of physicians, hospitals, dentists and dental clinics worldwide Worldwide Security Assistance Traveller Information Note: if you need assistance or think you will need assistance, please inform the assistance line promptly. Do not try to solve the problem without involving the experience of ACE Assistance as this may prejudice your right to claim assistance or reimbursement.

5 Page 5 General Information and Claims Enquires Please contact either your GRM Head Office Representative or Astrid Millar for claims enquiries and general information in regards to the Corporate Travel coverage on: Telephone:

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