Group Personal Accident and Travel Insurance Schedule of Benefits Section A - Injury (a)

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1 Section A - Injury (a) Category Insured Persons Operative Time Code A All employees and students MOT12 Operative Time Definition(s) Code MOT12 Definition All Business travel (including Incidental Holiday travel) Any trip made primarily for Business purposes, including Incidental Holiday travel. Category Item 1. Death Item 2. Permanent Total Disablement * from: U) Usual or A) Any occupation Variable Injury Benefits (applicable to each Insured Person) Item 3. Permanent Disabling Injuries: A) Any injury or S) Specified injury-loss of limb(s), sight, speech, hearing or intellectual capacity Item 4. Temporary Total Disablement (per week) Item 5. Temporary Partial Disablement (per week) Item 6. Permanent Disfigurement or Permanent Scarring of the Face minimum A GBP50,000 U GBP50,000 A GBP50,000 GBP50 Nil Nil maximum *Permanent Total Disablement benefit will apply to those in remunerated employment. For those in non-remunerated employment cover under Permanent Disabling Injuries resulting in Any Injury will apply automatically. Temporary Total Disablement and Temporary Partial Disablement Category Benefit Period: Deferment Period: Maximum weekly benefit for each Insured Person: A 104 weeks 0 days GBP50 Aggregate Limits Maximum Limits Maximum Limits per Insured Person 1. per Event overall: 1. GBP20,000, Items 1,2 or 3 1. GBP2,000, per Event for Insured Persons whilst travelling in any multi-engined aircraft: 3. per Event for Insured Persons whilst travelling in any aerial device other than a multi-engined aircraft: 2. GBP5,000, Death Benefit - Child 2. GBP20, GBP2,500, Death Benefit - Insured Persons age 75 or over 3. GBP100, Under Items 1, 2, 3, 4 and 5 inclusive and all additional covers 4. GBP2,500,000 Accident Medical Expenses Up to 25% of any amount paid under Section A - Injury (a) benefit items 1, 2, 3, 4 and 5 of the Variable Injury Benefits (maximum of GBP25,000). Rehabilitation Case Management Insured Event Case Management Period Where an Insured Person suffers Bodily Injury which is likely to result in a valid claim under Section A - Injury (a) benefit: 1. items 2, 3 or 6 of the Variable Injury Benefits 12 months 2. items 4 or 5 of the Variable Injury Benefits which exceeds the Deferment Period 3 months Chauffeur Expenses Additional Covers (applicable to each Insured Person unless stated otherwise) Description Benefit Amount Operative Up to 5% of the amount payable under Section A - Injury (a) benefit items 2, 3, 4 or 5 of the Variable Injury Benefits or a maximum amount of GBP10,000 whichever is the lesser. Coma GBP50 per day up to a maximum of 730 days (payable in addition to the Hospital Confinement benefit) AHG0345(GlobeCover 0611)v4 APR12 2

2 Section A - Injury (a)...continued Additional Covers (applicable to each Insured Person unless stated otherwise) Description Benefit Amount Operative Corporate Reputation Protection Up to GBP25,000 in the aggregate in any one Period of Insurance. Dependent Adult Benefit GBP5,000 for each Dependent Adult Dependent Child Benefit Domestic Service and Childcare Expenses GBP5,000 or 5% of the amount payable under Section A - Injury (a) benefit item 1 of the Variable Injury Benefits, whichever is the greater, in respect of the death by Accident of an Insured Person - for each Dependent Child of such Insured Person. Up to 5% of the amount payable under Section A - Injury (a) benefit items 2, 3, 4 or 5 of the Variable Injury Benefits or a maximum amount of GBP10,000 whichever is the lesser. Funeral Expenses Up to GBP10,000 Home/Car/Place of Work Adaptation and Home Relocation Expenses Hospital Confinement Benefits Up to GBP25,000 Daily benefit amount - GBP50 per day up to a maximum of 365 days. The amount is doubled for a confinement on a public or bank holiday. Hospital Visiting Expenses Up to GBP5,000 Independent Financial Advice Up to GBP2,500 Loss of or Damage to Personal Belongings from Assault Post Traumatic Stress Disorder-Terrorism Up to GBP1,000 50% of the amount payable under Section A - Injury (a) benefit item 4 of the Variable Injury Benefits (but not exceeding GBP500 per week) Benefit Period: 26 weeks Paraplegia GBP125,000 Partner Paraplegia and Quadriplegia Paraplegia - GBP25,000 Quadriplegia - GBP100,000 Partner Retraining Up to GBP15,000 Quadriplegia GBP250,000 Quality of Life Improvement Advice Permanent Facial Scarring Personnel Replacement Expenses Up to GBP15,000 Up to GBP5,000 Payable in addition to any amount specified under Section A Injury (a) benefit item 6 of the Variable Injury Benefits 1. Overtime payments & Temporary Replacement Costs - GBP500 per week up to a maximum of 26 weeks. 2. Recruitment Costs - up to GBP5, Training Costs and Expenses - up to GBP15,000 Personnel Replacement Expenses (Catastrophe) Up to GBP1,000,000 for all Personnel Replacement Expenses Recruitment Costs (Suicide) Authorised and documented costs following suicide of a Director or employee up to GBP10,000 Retraining Expenses Up to GBP15,000 Return Home Expenses Up to GBP2,000 Simultaneous Death of Employee and Partner Where an Insured Person and their Partner, who have Dependent Children, suffer Bodily Injury resulting in death in the same Accident: i. The amount payable for the Insured Person under Section A - Injury (a) benefit item 1 of the Variable Injury Benefits will be doubled; or ii. Where the Partner is also an Insured Person under this policy the amount payable under Section A - Injury (a) benefit item 1 of the Variable Injury Benefits for each Insured Person will be doubled. Urgent Expenses following Death Up to GBP2,000 Workplace Assault Medical Expenses Up to GBP5,000 AHG0345(GlobeCover 0611)v4 APR12 3

3 Section A - Injury (b) Additional Insured Persons 1. The following categories of Additional Insured Persons are automatically covered but only: a. Where the Operative Time for the main categories of Insured Person is shown as MOP1-24 hours a day or MOP2/3 - Occupational Cover only including/excluding commuting. b. where not otherwise insured under this Policy. 2. Section A - Injury (a) - Additional Covers - do not apply to Additional Insured Persons. Category Additional Insured Persons Operative Time Code MAP1 Partners and/or Children of Directors (and Business Partners whose names have been declared to and cover agreed by the Insurers), and one member of such Directors or Business Partners Domestic Staff (provided that such Directors or Business Partners are included under Section A - Injury (a)). MOP1 MAP2 Any Visitor. MOP7 MAP3 MAP4 MAP7 Partners and/or Children of Employees, whilst accompanying, travelling independently to join, or returning from being with, such Employees who are on a Journey, provided that such Employees are also included under Section A - Injury (a). Directors, Business Partners or Employees and/or guests of the Policyholder not included in any other category of Insured Person. Any person (who is not included in any other Category) who, on medical advice from a Qualified Medical Practitioner, is advised to travel to or remain with such Insured Person. MOT11 or MOT12 whichever applies to such Employees MOT17 MOT18 Category Variable Injury Benefits (applicable to each Additional Insured Person) Item 1. Death* Item 2. Permanent Total Disablement from Any Occupation Permanent Disabling Injuries: A) Any Injury or Item 3. S) Specified Injury - Loss of limb(s), sight, speech, hearing or intellectual capacity MAP1 Nil Nil S GBP25,000 MAP2 GBP25,000 Nil S GBP25,000 MAP3 Nil Nil S GBP25,000 MAP4 GBP25,000 GBP25,000 S GBP25,000 MAP7 Nil Nil S GBP25,000 Subject otherwise to the overall Aggregate Limit per Event shown in Section A - Injury (a) * The death benefit for an Insured Person who is a Child is limited to GBP20,000 Operative Time Definitions Code Definition MOP1 MOP7 MOT11 MOT12 MOT17 MOT18 24 Hours 24 hours a day Visitors Whilst legally in or on the premises. Business travel outside the United Kingdom or Country of Domicile (including Incidental Holiday travel) Any trip involving travel outside the United Kingdom or Country of Domicile made primarily for Business purposes, including Incidental Holiday travel. All Business travel (including Incidental Holiday travel) Any trip made primarily for Business purposes, including Incidental Holiday travel. Corporate Event travel Any trip in connection with a Corporate Event involving (a) any travel outside the United Kingdom or Country of Domicile, or (b) air travel within the United Kingdom or Country of Domicile, or (c) any travel within the United Kingdom or Country of Domicile provided such travel involves an overnight stay away from home or normal place of Business. Compassionate travel Any trip made solely for the purposes of being with an Insured Person who has sustained injury or suffered illness on a Journey outside the United Kingdom or Country of Domicile, for which cover is provided by this Policy. AHG0345(GlobeCover 0611)v4 APR12 4

4 Section B - Travel Category Insured Persons Journey Code A All employees and students MOT12 Additional Insured Persons* MAP1 MAP4 MAP5 MAP6 MAP7 Partners and/or Children of Directors (and Business Partners whose names have been declared to and cover agreed by the Insurers), and one member of such Directors or Business Partners Domestic Staff (provided that such Directors or Business Partners are included under any of the categories above) Directors, Business Partners or Employees and/or guests of the Policyholder not included in any other category of Insured Person Partners and/or Children of Employees whilst accompanying, travelling independently to join, or returning from being with such Employees who are on a Journey (provided that such Employees are also included for travel made primarily for Business purposes, under any of the categories above) Directors (and Business Partners whose names have been declared to and cover agreed by the Insurers), provided that such Directors and Business Partners are included under any of the categories above Any person (who is not included in any other Category) who, on medical advice from a Qualified Medical Practitioner, is advised to travel to or remain with such Insured Person MOT14 MOT17 MOT11 or MOT12 whichever applies to such Employees MOT16 MOT18 Journey Definition(s) Code MOT12 MOT14 MOT17 MOT11 MOT16 MOT18 Definition All Business travel (including Incidental Holiday travel) Any trip made primarily for Business purposes, including Incidental Holiday travel. Business or holiday travel Any trip made for Business or holiday purposes. Corporate Event travel Any trip in connection with a Corporate Event involving (a) any travel outside the United Kingdom or Country of Domicile, or (b) air travel within the United Kingdom or Country of Domicile, or (c) any travel within the United Kingdom or Country of Domicile provided such travel involves an overnight stay away from home or normal place of Business. Business travel outside the United Kingdom or Country of Domicile (including Incidental Holiday travel) Any trip involving travel outside the United Kingdom or Country of Domicile made primarily for Business purposes, including Incidental Holiday travel. Holiday travel Any trip made for holiday purposes. Compassionate travel Any trip made solely for the purposes of being with an Insured Person who has sustained injury or suffered illness on a Journey outside the United Kingdom or Country of Domicile, for which cover is provided by this Policy. *The cover provided in respect of Additional Insured Persons applies fully where no more specific insurance is in place for such Additional Insured Persons. AHG0345(GlobeCover 0611)v4 APR12 5

5 Section B - Travel...continued 1 - Medical and Other Expenses 2 - Personal Belongings 3 - Business Equpiment Sub-section Medical Expenses: (Cover does not apply to Journeys within the United Kingdom or Country of Domicile.) Hospital Confinement - Daily benefit up to 365 days: Aggregate Hospital In-patient Confinement benefit (where the Confinement is also covered under Section A, Injury (a) and (b)). Daily benefit up to 365 days: Travel and Accommodation Expenses: (Including Funeral Expenses in the United Kingdom or Country of Domicile but subject to an inner limit of GBP10,000) Emergency Repatriation Expenses: On-going medical treatment as an In-Patient in the United Kingdom or Country of Domicile: Search and Rescue Expenses: Personal Belongings: (Where the value of any one article, pair or set exceeds GBP2,000, the Policyholder shall be liable for 25% of such excess amount.) Personal Belongings Delay: Loss, Theft or Delay of Keys: Business Equipment: a) Electronic Business Equipment: b) Other Business Equipment: 4 - Money Money: (Where the amount of cash exceeds GBP2,000, the Policyholder shall be liable for 25% of such excess amount.) Financial Card and Cheque Misuse: Emergency Replacement of Passport, Visa, Travel Documents or Driving Licence: 5 - Disruption a) Cancellation/Curtailment/Alteration/Rearrangement/Replacement Expenses not as a result of a Natural Catastrophe: Aggregate Limit (per Journey and for all Insured Persons travelling together on any one Journey). 6 - Personal Liability 7 - Rental Vehicle Excess 8 - Political and Natural Disaster Evacuation Travel Delay: After 4 hours: up to For each hour thereafter: up to Maximum payable any one Journey: b) Cancellation/Curtailment/Alteration/Rearrangement Expenses as a result of a Natural Catastrophe: Aggregate Limit (per Journey and for all Insured Persons travelling together on any one Journey). Travel Delay: After 4 hours: up to For each hour thereafter: up to Maximum payable any one Journey: Rental Transport Costs: Aggregate Limit (per Journey) provided that the Policyholder bears 50% of all rental costs in excess of the first GBP500 for each Insured Person: Up to Personal Liability: Rental Vehicle Excess Rental Vehicle Excess payable following loss by theft, collision or damage a) per insured event/loss b) per Journey c) Aggregate Limit (in any one Period of Insurance) a) Evacuation Expenses: or b) where evacuation is not possible - a daily benefit for Accommodation Expenses for up to a maximum of 30 days Aggregate Limit (per Insured Event and in any one Period of Insurance): Benefit Amount (applicable to each Insured Person unless stated otherwise) Unlimited GBP50 GBP50 Unlimited Unlimited GBP50,000 GBP30,000 GBP10,000 GBP2,000 GBP1,000 GBP2,000 GBP1,500 GBP5,000 GBP5,000 GBP2,000 GBP250,000 GBP200 GBP50 GBP2,000 GBP250,000 GBP200 GBP50 GBP2,000 GBP10,000 GBP5,000,000 GBP1,000 GBP2,500 GBP25,000 GBP50,000 GBP150 GBP50,000 AHG0345(GlobeCover 0611)v4 APR12 6

6 Section B - Travel...continued 9 - Hijack Hijack: Daily benefit - payable for up to 100 days: 10 - Kidnap, Ransom and Extortion 11 - Personal Security Specialist Expenses 12 - Court Attendance Sub-section Kidnap, Ransom and Extortion a) Extortion/Ransom Monies and Kidnap or Extortion Expenses - Aggregate Limit in any one Period of Insurance: b) Security Specialists Costs - Aggregate Limit in any one Period of Insurance: Personal Security Specialist Expenses Aggregate Limit (per insured event and in any one Period of Insurance) - for Life-threatening Situations on a Journey not exceeding 30 days Travel and Accommodation Expenses to attend court: a) Up to per day b) In all per claim Benefit Amount (applicable to each Insured Person unless stated otherwise) GBP500 GBP250,000 GBP50,000 GBP10,000 GBP100 GBP1,000 AHG0345(GlobeCover 0611)v4 APR12 7

7 Section C - Legal Expenses Category Definition of Insured Persons Operative Time A Any Insured Person stated in the Section A - Injury (a) who is permanently resident in England, Wales, Scotland, Northern Ireland, the Isle of Man or the Channel Islands 24 hours a day B Any Insured Person stated in the Section B - Travel who is not covered under Category A above As Section B - Travel The most the Insurers will pay for all claims resulting from one or more event arising at the same time or from the same originating cause is GBP50,000 AHG0345(GlobeCover 0611)v4 APR12 8

8 Section D - Dental Injury NOT INSURED AHG0345(GlobeCover 0611)v4 APR12 9

9 Section E - Crisis Containment Operative Time Provides cover to the Policyholder for Crisis Containment Fees as a result of a Crisis resulting in a break in normal Business operations. 24 hours a day The Insurer will pay up to GBP 50,000 for each claim and GBP 50,000 for all claims in the aggregate occurring during the Period of Insurance. AHG0345(GlobeCover 0611)v4 APR12 10

10 CCCCCC Group Personal Accident and Travel Insurance Endorsements Endorsements 1 Where the Operative Time under Section C Legal Expenses in respect of Category A is stated as being 24 hours a day, then the cover provided under Section B Section 12 - Court Attendance in respect of additional travel and Accommodation expenses reasonably and necessarily incurred to attend court in connection with an event that has resulted in a valid claim under Section C - Legal Expenses of this Policy, is extended to apply on the same basis. AHG0345(GlobeCover 0611)v4 APR12 11

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