CONTENTS* Initial Considerations General Provisions Description of The Assistance Services

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1 CONTENTS* Initial Considerations Operation Center - instructions for use Collect calls - guidelines Call collect - country Codes (examples) General Provisions Beneficiary Cancellation of the Voucher Exceptional Circumstances Statutory Limitation Period Age Limit Obligations of the Holder Obligations of GTA Validity Period Procedures for requiring assistance Territorial Validity Annual Voucher Description of The Assistance Services Family Escort (lodgings) Escort for under aged and elderly individuals Bail Bond Assistance Assistance in case of loss of documents Pharmaceutical assistance Legal Assistance Medical assistance for Pre-existing illnesses Medical assistance for accidents or illnesses Dental assistance Assistance by a specialist Trip Cancellation Insurance Grace Period

2 Medical Check-up Coverage for sports practice Conditions for reimbursement of expenses Recovery in the Hotel Medical examinations Physiotherapy Travel Interruption Assurance Return Trip Assurance Search and Rescue Expenses Expenses Covering Flight Delay or Cancellation Compensation for definite baggage loss Hospital stays Surgical interventions Limitations and exclusions Two way ticket for a family member Reimbursement for expenses due to luggage delay Removal in case of emergency Repatriation and Transportation Repatriation for death Luggage insurance Personal Accidents Insurance Claims (communication of) Transmission of Urgent messages Ceo Transportation Free of Charge Emergency Transportation (*) In alphabetical order by benefit or service 2

3 OPERATION CENTER IN CASE OF EMERGENCY PLEASE CALL THE OPERATION CENTER THROUGH A COLLECT CALL TO THE NUMBER PRINTED IN YOUR VOUCHER When calling the Operation Center, please request the attending operator to give you the reference number. Remember that it is mandatory, if any assistance is needed, that you call the Operation Center first; if this is not complied with, you will not be entitled to the benefits included in the present Contract. To avoid problems, place the call yourself and you will receive the assistance of our cordial team. We remind you that the telephone call is easy to place and free of charge, see information below: DIRECT OVERSEAS COLLECT CALL TO OUR OPERATION CENTER IN BRAZIL You can place this call from any telephone booth, from the hotel where you are staying, or from any wire-line telephone. Below you will find the telephone number of the main carriers in several continents, just inform the operator the name or Long Distance code of the Brazilian city and the telephone number to which you would like to place the collect call. EXAMPLE: Collect call from GERMANY to BRAZIL Dial and inform the operator the area code of the city of São Paulo 11 + the telephone number of the Operation Center PRIN- TED IN YOUR VOUCHER. Below you will find some countries: Obs.: The telephone numbers of Brasil direto were provided by Embratel S/A. Therefore, GTA cannot be held responsible for the information and all the alterations performed by Embratel, with no further notice. Leave tickets, documents, cash and valuable objects in the hotel safe. The identification card the hotel will provide upon your check-in, will serve as a document. In case your luggage is not delivered at the destination indicated, DO NOT EXIT THE AIRPORT before filling a claim at the airline company, obtaining the PIR (Property Irregularity Report) and communicating the occurrence to the GTA-Global Travel Assistance Operation Center. Brazilian Assist Representações e Turismo Ltda. Avenida Ipiranga, Bloco B - 16º Andar Centro - São Paulo - SP - CEP: CNPJ /

4 COUNTRY ACCESS CODE OBS. SOUTH AFRICA GERMANY / ARGENTINA / / ARGENTINA/BUENOS AIRES AUSTRALIA B AUSTRIA BELGIUM BOLIVIA CANADA CHILE / / CHINA / CUBA CYPRUS CINGAPURA COLOMBIA / SOUTH KOREA / COSTA RICA DENMARK EMIRATES ECUADOR C ESLOVAKIA SPAIN THE UNITED STATES / / / PHAROE FINLAND TAIWAN FRANCE GREECE GUADALUPE FRENCH GUYANA HOLLAND HONG KONG HUNGARY CANARY ISLANDS

5 COUNTRY ACCESS CODE OBS. ISRAEL / H/i ITALY JAPAN / / LUXEMBOURG MALTA MEXICO / CANCUN / / MONACO NICARAGUA 163 NORWEY NEW ZELAND PANAMA D PARAGUAY PERU POLAND PORTUGAL UNITED KINGDOM / DOMENICAN REP RUSSIA SWEDEN SWITZERLAND URUGUAY VENEZUELA (1) For the Faroe Islands, only Collect Calls. (2) Including Balearic Islands, Canary Islands, Ceuta and Melilla. (3) Including Alaska, Hawaii, Porto Rico, U.S. Virgin Islands, Guam and Northern Mariana Islands. (4) Including Corsica (Small Island located in the Mediterranean Sea). (5) Including San Marino and the Vatican. (6) Including Islands of Azores and Madeira. (b) Access code assigned in the past by TELECOM (former Telintar Norte/UON). (c) Changed from on 05/02/03, without duality term or recorded notice informing the change. (d) Changed from on 08/01/03; a recorded notice will be available for a period of 90 days informing the change, after that period, only the new number will be available for dialing. (f) Changed, respectively from and , and directly forwarded to the MCI due to an outsourcing agreement signed between the American Carrier and Slovak Telecom. (g) Changed from on 04/30/04. (h) Changed from , duality term from 9/7/2004 to 09/01/2005 / recorded notice from 09/01/2005 to 12/01/2005 / as from 12/01/2005 only dialing the new number. (i) Changed from , duality term from 9/7/2004 to 09/01/2005 / recorded notice from 09/01/2005 to 12/01/2005 / as from 12/01/2005 only dialing the new number *= wait for new dialing tone. (+) Without direct route (via transit). 5

6 BENEFITS AND SERVICES BRONZE RUBI PRATA Medical Assistance due to Accident (per event) US$ 6,000 US$ 8,000 US$ 12,000 Medical Assistance due to disease (per event) US$ 1,000 US$ 8,000 US$ 12,000 Medical Assistance for Pre-existing illnesses US$ 300 US$ 400 US$ 500 Physiotherapy (medical prescription) No No No Dental assistance US$ 200 US$ 300 US$ 300 Pharmaceutical Assistance (per event) US$ 150 US$ 300 US$ 300 Coverage for sports practice US$ 300 US$ 400 US$ 500 Extension of Hospital Stay 05 Days 05 Days 05 Days Free of Charge Emergency Transportation Yes Yes Yes Recovery IN HOTEL (MAXIMUM 05 DAYS) US$ 50 US$ 55 US$ 70 Removal in case of emergency No No No Search and Rescue Expenses No No No Medical Check-up No No No Compensation due to luggage delay No No US$ 200 Luggage insurance (4) US$ 450 US$ 450 US$ 750 Trip Cancellation US$ 1,000 US$ 1,000 US$ 1,000 Return Trip Assurance Yes Yes Yes Travel Interruption Assurance No No No Anticipated Return due to Emergency in the holder s domicile Expenses Covering Flight Delay or Cancellation US$ 300 US$ 400 US$ 450 Sanitary repatriation US$ 6,000 US$ 8,000 US$ 12,000 Repatriation due to Death Yes Yes Yes Escort for an under aged individual Yes Yes Yes Elderly Individual Escort Yes Yes Yes Ceo transportation No No No Tow-way air ticket for a family member Yes Yes Yes Family Member Assistance (maximum 05 days of lodging) US$ 50 US$ 55 US$ 60 Legal Assistance US$ 1,000 US$ 1,000 US$ 1,000 Bail bond Assistance US$ 5,500 US$ 6,000 US$ 8,000 Transmission of Urgent messages Yes Yes Yes Assistance in Case of Documents Loss Life insurance due to accidental death (1) R$ 15,000 R$ 50,000 R$ 50,000 Permanent Disability insurance No No No 1. Life Insurance covering Accidental Death: has the age limit from 14 to 80, and will have 100% (one hundred percent) of coverage, people aged older than 80 years old will have a 50% (fifty percent) reduction on the coverage, for Plans: BRONZE /RUBI / PRATA /OURO /MERCOSUL /EURO ASSIST. 2. Age limits: Plans BRONZE/RUBI/PRATA/OURO/ MERCOSUL above 75 years, reduction of 50% in medical coverage; Plans EUROASSIST - above 80 years, reduction of 50% in medical coverage. 3. MERCOSUL: Argentina, Bolivia, Chile, Paraguay, Peru and Uruguay. 4. Luggage Insurance - see the general conditions policy for indemnity. 6

7 BENEFITS AND SERVICES OURO MERCOSUL EURO ASSIST Medical Assistance due to Accident (per event) US$ 18,000 US$ 3,000 $ 30,000 Medical Assistance due to disease (per event) US$ 18,000 US$ 3,000 $ 30,000 Medical Assistance for Pre-existing illnesses US$ 750 US$ 100 $ 550 Physiotherapy (medical prescription) No No No Dental assistance US$ 500 US$ 100 $ 150 Pharmaceutical Assistance (per event) US$ 500 US$ 100 $ 150 Coverage for sports practice US$ 750 US$ 300 $ 550 Extension of Hospital Stay 07 Days 05 Days 10 Days Free of Charge Emergency Transportation Yes Yes Yes Recovery IN HOTEL (MAXIMUM 05 DAYS) US$ 100 US$ 50 $ 75 Removal in case of emergency No No No Search and Rescue Expenses No No No Medical Check-up No No No Compensation due to luggage delay US$ 200 No $ 120 Luggage insurance (4) US$ 1,500 US$ 300 US$ 1,200 Trip Cancellation US$ 1,500 US$ 500 US$ 1,000 Return Trip Assurance Yes Yes Yes Travel Interruption Assurance No No No Anticipated Return due to Emergency in the holder s domicile Expenses Covering Flight Delay or Cancellation US$ 500 US$ 200 $ 250 Sanitary repatriation US$ 18,000 US$ 3,000 SIM Repatriation due to Death Yes Yes Yes Escort for an under aged individual Yes Yes Yes Elderly Individual Escort Yes Yes Yes Ceo transportation No No No Tow-way air ticket for a family member Yes Yes Yes Family Member Assistance (maximum 05 days of lodging) US$ 70 US$ 50 $ 75 Legal Assistance US$ 1,000 US$ 1,000 $ 750 Bail bond Assistance US$ 12,000 US$ 5,500 $ 7,500 Transmission of Urgent messages Yes No Yes Assistance in Case of Documents Loss Life insurance due to accidental death (1) R$ 50,000 R$ 15,000 R$ 50,000 Permanent Disability insurance No No No 5. Plans EURO ASSIST: coverage values will be maintained only for countries of the Schengen Treaty and of the European Union, for the other continents, a reduction of 50% on the medical coverage will be applied. European Community - Germany Austria, Belgium, Denmark, Spain, Finland, France, Greece, Holland, Iceland, Italy, Luxembourg, Norway, Portugal and Sweden. 6. Reception Plans: BRONZE / RUBI / PRATA / OURO = Age Limit above 75 years old and 50% reduction only to the medical benefit. Plan: EURO ASSIST = age limit 71 to 80 years, 50% addition to the fee, above 80 years old, 50% addition to the fee and 50% reduction only to the medical benefit. Medical and Funeral Repatriation benefits are included in medical costs. 7

8 BENEFITS AND SERVICES DIAMANTE FULL GLOBAL Medical Assistance due to Accident (per event) US$ 25,000 US$ 50,000 US$ 100,000 Medical Assistance due to disease (per event) US$ 25,000 US$ 50,000 US$ 100,000 Medical Assistance for Pre-existing illnesses US$ 750 US$ 750 US$ 500 Physiotherapy (medical prescription) No US$ 500 US$ 600 Dental assistance US$ 700 US$ 700 US$ 600 Pharmaceutical Assistance (per event) US$ 500 US$ 700 US$ 750 Coverage for sports practice US$ 750 US$ 1,000 US$ 700 Extension of Hospital Stay 10 DAYS 5 DAYS YES Free of Charge Emergency Transportation YES YES YES Recovery IN HOTEL (MAXIMUM 05 DAYS) US$ 140 US$ 100 US$ 100 Removal in case of emergency No No No Search and Rescue Expenses No No No Medical Check-up US$ 1,000 No No Compensation due to luggage delay US$ 300 US$ 300 US$ 100 Luggage insurance (3) US$ 1,800 US$ 1,200 US$ 1,200 Trip Cancellation US$ 1,500 US$ 1,500 US$ 1,500 Return Trip Assurance YES Yes Yes Travel Interruption Assurance No No No Anticipated Return due to Emergency in the holder s domicile - - Yes Expenses Covering Flight Delay or Cancellation US$ 600 US$ 200 US$ 150 Sanitary repatriation US$ 25,000 US$ 25,000 US$ 40,000 Repatriation due to Death Yes Yes Yes Escort for an under aged individual Yes Yes Yes Elderly Individual Escort Yes No No Ceo transportation No Yes Yes Tow-way air ticket to family member Yes Yes Yes Family Member Assistance (maximum 05 days of lodging) US$ 100 US$ 100 US$ 90 Legal Assistance US$ 1,000 US$ 1,000 US$ 2,000 Bail bond Assistance US$ 15,000 US$ 10,000 US$ 15,000 Transmission of Urgent messages Yes Yes Yes Line of consultation - - Yes Assistance in Case of Documents Loss - - Yes Life insurance due to accidental death (1) R$ 50,000 R$ 100,000 US$ 100,000 Permanent Disability insurance - - US$ 100, Life insurance for accidental death has the age limit from 14 to 80 years will have 100% (one hundred percent) of insurance coverage, above 80 years old will have a 50%(fifty percent) reduction on the insurance coverage for plans: DIAMANTE / UNION / EURO MAX / FULL; plans PLANET and GLOBAL THE AGE LIMIT FOR THE LIFE INSURANCE FOR ACCIDENTAL DEATH AND PERMA- NENT DISABILITY have the limit from 14 to 70 years old - see the general conditions agreement. 2. Age Limits: Plans DIAMANTE - above 75 years, reduction of 50% in medical coverage; Plans: EURO MAX / FULL / UNION - above 80 years, reduction of 50% in medical coverage; plans GLOBAL / PLANET - above 75 years old up to 85 years old, reduction of 50% in the medical coverage. 3. Luggage Insurance - see the general conditions policy for indemnity. 8

9 BENEFITS AND SERVICES PLANET UNION EURO MAX Medical Assistance due to Accident (per event) US$ 250,000 US$ 19,000 35,000 Medical Assistance due to disease (per event) US$ 250,000 US$ 19,000 $ 35,000 Medical Assistance for Pre-existing illnesses US$ 750 US$ 750 US$ 550 Physiotherapy (medical prescription) No No No Dental assistance US$ 750 US$ 190 $ 150 Pharmaceutical Assistance (per event) US$ 750 US$ 190 $ 150 Coverage for sports practice US$ 1,000 US$ 700 $ 550 Extension of Hospital Stay YES 10 DAYS 10 DAYS Free of Charge Emergency Transportation YES YES YES Recovery IN HOTEL (MAXIMUM 05 DAYS) US$ 160 US$ 95 $ 75 Removal in case of emergency No No No Search and Rescue Expenses No No No Medical Check-up No No No Compensation due to luggage delay US$ 500 US$ 150 $ 120 Luggage insurance (3) US$ 1,200 US$ 1,200 US$ 1,200 Trip Cancellation US$ 1,500 US$ 1,000 US$ 1,000 Return Trip Assurance Yes Yes Yes Travel Interruption Assurance No No No Anticipated Return due to Emergency in the holder s domicile Expenses Covering Flight Delay or Cancellation US$ 200 US$ 320 $ 250 Sanitary repatriation US$ 40,000 SIM $ 35,000 Repatriation due to Death Yes Yes Yes Escort for an under aged individual Yes Yes Yes Elderly Individual Escort No Yes Yes Ceo transportation Yes No No Tow-way air ticket to family member Yes Yes Yes Family Member Assistance (maximum 05 days of lodging) US$ 160 US$ 95 $ 75 Legal Assistance US$ 4,000 US$ 950 $ 750 Bail bond Assistance US$ 15,000 US$ 9,500 $ 7,500 Transmission of Urgent messages Yes Yes Yes Line of consultation Assistance in Case of Documents Loss Life insurance due to accidental death (1) US$ 250,000 R$ 100,000 R$ 50,000 Permanent Disability insurance US$ 250, EURO MAX Plan - Geographical Coverage: the amounts for the coverage will be held for EUROPE, ASIA, AFRICA and OCEANIA, for the AMERICAS there will be a 50% reduction on the medical coverage and on sanitary repatriation. 5. EURO MAX plan - funerary repatriation - included in medical expenses. 6. Reception - Plan DIAMANTE Age Limit above 75 years old and 50% reduction only to the medical benefit. Union AND FULL PLANS Age Limit from 71 to 80 years old 50% addition to the fee, above 80 years old, 50% addition to the fee and 50% reduction only to the medical benefit. Medical and Funeral Repatriation benefits are included in medical costs. Plan: EURO ASSIST = age limit 71 to 80 years, 50% addition to the fee, above 80 years old, 50% addition to the fee and 50% reduction only to the medical benefit. Medical and Funeral Repatriation benefits are included in medical costs. 7. Global and PLANET Plans - extension to hospital stay included in the medical costs. 9

10 BENEFITS AND SERVICES BRONZE NEVE OURO NEVE BRONZE MARITIMO Medical Assistance due to Accident (per event) US$ 6,000 US$ 18,000 US$ 6,000 Medical Assistance due to disease (per event) US$ 6,000 US$ 18,000 US$ 6,000 Medical Assistance for Pre-existing illnesses US$ 1,000 US$ 750 US$ 300 Physiotherapy (medical prescription) No No No Dental assistance US$ 200 US$ 500 US$ 1,000 Pharmaceutical Assistance (per event) US$ 150 US$ 500 US$ 150 Coverage for sports practice Yes Yes US$ 300 Extension of Hospital Stay 5 days 07 Days 05 Days Free of Charge Emergency Transportation Yes Yes Yes Recovery IN HOTEL (MAXIMUM 05 DAYS) US$ 50 US$ 100 US$ 50 Removal in case of emergency No No No Search and Rescue Expenses No No No Medical Check-up No No No Compensation due to luggage delay No US$ 200 No Luggage insurance (3) US$ 450 US$ 1,500 US$ 450 Trip Cancellation US$ 1,000 US$ 1,500 US$ 1,000 Travel Interruption Assurance Yes Yes Yes Travel Interruption Assurance No No No Expenses Covering Flight Delay or Cancellation US$ 300 US$ 500 US$ 300 Sanitary repatriation US$ 6,000 US$ 18,000 US$ 6,000 Repatriation due to Death Yes Yes Yes Escort for an under aged individual Yes Yes Yes Elderly Individual Escort Yes Yes Yes Ceo transportation No No No Tow-way air ticket to family member Yes Yes Yes Family Member Assistance (maximum 05 days of lodging) US$ 50 US$ 70 US$ 50 Legal Assistance US$ 1,000 US$ 1,000 US$ 1,000 Bail bond Assistance US$ 5,500 US$ 12,000 US$ 5,500 Transmission of Urgent messages Yes Yes No Assistance in Case of Documents Loss Life insurance due to accidental death (1) R$ 15,000 R$ 50,000 R$ 15, Life Insurance covering Accidental Death: has the age limit from 14 to 80, and will have 100% (one hundred percent) of coverage, people aged older than 80 years old will have a 50% (fifty percent) reduction on the coverage, for Plans: BRONZE NEVE / OURO NEVE / BRONZE MARÍTIMO / MERCOSUL MARÍTIMO / ALL SPORTS / EURO SPORTS and FULL SPORTS. 2- Age limits: Plans BRONZE MARÍTIMO / MERCOSUL MARÍTIMO / BRONZE NEVE / OURO NEVE / ALL SPORTS above 75 years, reduction of 50% in medical coverage; Plans EURO SPORTS and FULL SPORTS - above 80 years, reduction of 50% in medical coverage. 10

11 BENEFITS AND SERVICES MERCOSUL MARITIMO ALL SPORTS EURO SPORTS FULL SPORTS Medical Assistance due to Accident (per event) US$ 3,000 US$ 15,000 $ 30,000 US$ 50,000 Medical Assistance due to disease (per event) US$ 3,000 US$ 15,000 $ 30,000 US$ 50,000 Medical Assistance for Pre-existing illnesses US$ 100 US$ 500 $ 360 US$ 750 Physiotherapy (medical prescription) No US$ 500 No US$ 500 Dental assistance US$ 1,000 US$ 1,000 $ 220 US$ 700 Pharmaceutical Assistance (per event) US$ 100 US$ 300 $ 230 US$ 700 Coverage for sports practice US$ 300 Yes Yes US$ 20,000 Extension of Hospital Stay 05 Days 05 Days 05 Days 05 Days Free of Charge Emergency Transportation Yes No Yes Yes Recovery IN HOTEL (MAXIMUM 05 DAYS) US$ 50 US$ 50 $ 50 US$ 100 / day Removal in case of emergency No Yes Yes - Search and Rescue Expenses No US$ 40,000 $ 30,000 - Medical Check-up No No No - Compensation due to luggage delay No US$ 200 $ Luggage insurance (3) US$ 300 US$ 1,200 US$ 1,200 US$ 1,200 Trip Cancellation US$ 500 US$ 750 US$ 750 US$ 1,500 Travel Interruption Assurance Yes Yes Yes Yes Travel Interruption Assurance No US$ 300 $ Expenses Covering Flight Delay or Cancellation US$ 200 US$ 100 US$ 100 US$ 200 Sanitary repatriation US$ 3,000 US$ 15,000 SIM US$ 25,000 Repatriation due to Death Yes Yes Yes Yes Escort for an under aged individual Yes Yes Yes Yes Elderly Individual Escort Yes No No - Ceo transportation No No No Yes Tow-way air ticket to family member Yes Yes Yes Yes Family Member Assistance (maximum 05 days of lodging) US$ 50 US$ 50 $ 50 US$ 100 / day Legal Assistance US$ 1,000 US$ 2,000 $ 1,470 US$ 1,000 Bail bond Assistance US$ 5,500 US$ 10,000 $ 7,350 US$ 10,000 Transmission of Urgent messages No Yes Yes Yes Assistance in Case of Documents Loss - - No - Life insurance due to accidental death (1) R$ 15,000 R$ 100,000 R$ 100,000 R$ 100, Luggage Insurance - see the general conditions policy for indemnity. 4- Euro SPORTS Plan: geographic coverage - European Community. Medical and Funeral Repatriation benefits are included in medical costs. 11

12 BENEFITS AND SERVICES EXECUTIVO OURO EUROBUSINESS EXECUTIVO FULL Medical Assistance due to Accident (per event) USD 18,000 30,000 USD 50,000 Medical Assistance due to illness (per event) USD 18,000 30,000 USD 50,000 Medical Assistance for Pre-existing illnesses USD USD 750 Physiotherapy (medical prescription) - - USD 500 Dental assistance USD USD 700 Pharmaceutical Assistance (per event) USD USD 700 Coverage for sports practice USD USD 1,000 Extension of Hospital Stay 07 days 10 Days 05 Days Free of Charge Emergency Transportation Yes Yes Yes Recovery Phase in Hotel (maximum 05 days) USD / day Compensation due to luggage delay USD USD 300 Luggage insurance (4) USD 1,500 1,200 USD 1,200 Trip Cancellation USD 1,500 1,000 USD 1,500 Return Trip Assurance Yes Yes Yes Expenses Covering Flight Delay or Cancellation USD USD 200 Sanitary repatriation USD 18,000 Yes USD 25,000 Repatriation due to Death Yes Yes Yes Escort for an under aged individual Yes Yes Yes Elderly Individual Escort Yes Yes - Ceo transportation Yes Tow-way air ticket to family member Yes Yes Yes Family Member Assistance (maximum 05 days of lodging) USD / day Legal Assistance USD 1, USD 1,000 Bail bond Assistance USD 12,000 7,500 USD 10,000 Transmission of Urgent messages Yes Yes Yes Life insurance due to accidental death (1) USD 50,000 50,000 USD 100,000 Permanent Disability insurance Age limit: up to 75 years old in plans EXECUTIVO FULL / EXECUTIVO GLOBAL / STAR / TITANIUM / EXECUTIVO PLANET, for plans EXECUTIVO OURO and EURO BUSINESS, above 75 years old will have a 50% reduction in the medical coverage. 2. Life Insurance covering Accidental Death has the age limit from 14 to 80 will have 100% (one hundred percent) of coverage, people aged older than 80 years old will have a 50% (fifty percent) reduction on the coverage, for Plans: EXECUTIVO OURO / EURO BUSINESS / EXECUTIVO FULL. For plans: TITANIUM / STAR / GLOBAL / PLANET there is an age limit for the Life Insurance due to Accidental Death and Permanent Disability, from 14 to 70 years old - see the general conditions agreement. 3. Eurobusiness - European Community - Germany, Austria, Belgium, Denmark, Spain, Finland, France, Greece, Holland, Iceland, Italy, Luxembourg, Norway, Portugal and Sweden. The values for coverage are maintained only in the countries part of the Schen- 12

13 BENEFITS AND SERVICES EXECUTIVO GLOBAL STAR TITANIUM EXECUTIVO PLANET Medical Assistance due to Accident (per event) USD 100,000 USD 500,000 USD 1,000,000 USD 250,000 Medical Assistance due to illness (per event) USD 100,000 USD 500,000 USD 100,000 USD 250,000 Medical Assistance for Pre-existing illnesses USD 500 USD 2,000 USD 2,000 USD 700 Physiotherapy (medical prescription) USD Dental assistance USD 600 USD 2,000 USD 2,500 USD 750 Pharmaceutical Assistance (per event) USD 750 USD 1,000 USD 1,200 USD 1,000 Coverage for sports practice USD USD 1,000 Extension of Hospital Stay Yes Yes Yes Yes Free of Charge Emergency Transportation Yes Yes Yes Yes Recovery Phase in Hotel (maximum 05 days) USD 100 USD 200 USD 220 USD 160 Compensation due to luggage delay USD 100 USD 2,000 USD 2,000 USD 500 Luggage insurance (4) USD 1,200 USD 3,000 USD 3,000 USD 1,200 Trip Cancellation USD 1,500 USD 2,500 USD 3,000 USD 1,500 Return Trip Assurance Yes Yes Yes Yes Expenses Covering Flight Delay or Cancellation USD 150 USD 200 USD 250 USD 200 Sanitary repatriation USD 40,000 USD 50,000 USD 60,000 USD 40,000 Repatriation due to Death Yes Yes Yes Yes Escort for an under aged individual Yes Yes Yes Yes Elderly Individual Escort Ceo transportation Yes Yes Yes Yes Tow-way air ticket to family member Yes Yes Yes Yes Family Member Assistance (maximum 05 days of lodging) USD 90 USD 200 USD 220 USD 160 Legal Assistance USD 2,000 USD 15,000 USD 15,000 USD 4,000 Bail bond Assistance USD 15,000 USD 40,000 USD 40,000 USD 15,000 Transmission of Urgent messages Yes Yes Yes Yes Life insurance due to accidental death (1) USD 100,000 USD 250,000 USD 250,000 USD 250,000 Permanent Disability insurance USD 100,000 USD 250,000 USD 250,000 USD 250,000 gen Treaty and the European Union, for the other continents there will be a reduction of 50% in the medical coverage - Repatriation due to death or Sanitary Repatriation - included in the medical costs. 4. Luggage Insurance - see the general conditions policy for indemnity. 5. Multi trips: Plans EURO BUSINESS / FULL 90 / PLANET90 / GLOBAL 90 - in these plans the assistance services in the trip ARE LIMITED TO 90 (ninety) consecutive days per trip. Plans EXECUTIVO OURO / FULL 120 / PLANET120 / GLOBAL120 - in these plans the assistance services in the trip ARE LIMITED TO 120 (one hundred and twenty) consecutive days per trip. Plans - STAR / TITANIUM - in these plans the assistance services in the trip ARE LIMITED TO 45 (forty-five) consecutive days per trip. 6. Executivo GLOBAL/PLANET/STAR/TITANIUM Plans - extension to hospital stay included in the medical costs. 13

14 BENEFITS AND SERVICES STUDENT BRONZE STUDENT RUBI STUDENT DIAMANTE STUDENT PRATA Medical assistance for accidents( per event) US$ 6,000 US$ 8,000 US$ 25,000 US$ 12,000 Medical Assistance per illness (per event) US$ 6,000 US$ 8,000 US$ 25,000 US$ 12,000 Medical Assistance for Pre-existing illnesses US$ 300 US$ 400 US$ 750 US$ 500 Physiotherapy (medical prescription) Dental assistance US$ 200 US$ 300 US$ 700 US$ 300 Pharmaceutical Assistance (per event) US$ 150 US$ 300 US$ 500 US$ 300 Coverage for sports practice US$ 300 US$ 400 US$ 750 US$ 500 Extension of Hospital Stay 05 Days 05 Days 10 Days 05 Days Free of Charge Emergency Transportation Yes Yes Yes Yes Legal Assistance US$ 1,000 US$ 1,000 US$ 1,000 US$ 1,000 Bail bond Assistance US$ 5,500 US$ 6,000 US$ 15,000 US$ 8,000 Compensation due to luggage delay - - US$ 300 US$ 200 Luggage insurance (3) US$ 450 US$ 450 US$ 1,800 US$ 750 Trip Cancellation US$ 1,000 US$ 1,000 US$ 1,500 US$ 1,000 Transmission of Urgent messages - - Yes Yes Recovery Phase in Hotel (maximum 05 days) US$ 50 US$ 55 US$ 140 US$ 70 Sanitary repatriation US$ 6,000 US$ 8,000 US$ 25,000 US$12,000 Repatriation due to Death Yes Yes Yes Yes Tow-way air ticket to family member Yes Yes Yes Yes Family Member Assistance (maximum 05 days of lodging) US$ 50 US$ 55 US$ 100 US$ 60 Return Trip Assurance Yes Yes Yes Yes Expenses Covering Flight Delay or Cancellation US$ 300 US$ 400 US$ 600 US$ 450 Medical Check-up - - US$ Life insurance due to accidental death (2) R$ 15,000 R$ 50,000 R$ 50,000 R$ 50,000 Permanent Disability insurance Age limit: 45 years old. 2- Life insurance for accidental death has the age limit from 14 to 45 years will have 100% (one hundred percent) of insurance coverage, Plan PLANET there is an age limit for life insurance due to accidental death and permanent disability have the age limit between 14 and 45 years old - see the general conditions agreement. 3- Luggage Insurance - see the general conditions policy for indemnity. 4- Plans EURO ASSIST: coverage values will be maintained only for countries of the Schengen Treaty and of the European Union, 14

15 BENEFITS AND SERVICES STUDENT UNION STUDENT EURO ASSIST STUDENT FULL STUDENT PLANET STUDENT GLOBAL Medical assistance for accidents( per event) US$ 19,000 $ 30,000 US$ 50,000 US$ 250,000 US$ 100,000 Medical Assistance per illness (per event) US$19,000 $ 30,000 US$ 50,000 US$ 250,000 US$ 100,000 Medical Assistance for Pre-existing illnesses US$ 700 $ 550 US$ 750 US$ 700 US$ 500 Physiotherapy (medical prescription) - - US$ US$ 600 Dental assistance US$ 190 $ 150 US$ 700 US$ 750 US$ 600 Pharmaceutical Assistance (per event) US$ 190 $ 150 US$ 700 US$ 1,000 US$ 750 Coverage for sports practice US$ 700 $ 550 US$ 1,000 US$ 1,000 - Extension of Hospital Stay 10 Days 10 Days 05 Days Yes Yes Free of Charge Emergency Transportation Yes Yes Yes Yes Yes Legal Assistance US$ 950 $ 750 US$ 1,000 US$ 4,000 US$ 2,000 Bail bond Assistance US$ 9,500 $ 7,500 US$ 10,000 US$ 15,000 US$ 15,000 Compensation due to luggage delay US$ 150 $ 120 US$ 300 US$ 500 US$ 100 Luggage insurance (3) US$ 1,200 US$ 1,200 US$ 1,200 US$ 1,200 US$ 1,200 Trip Cancellation US$ 1,000 US$ 1,000 US$ 1,500 US$ 1,500 US$ 1,500 Transmission of Urgent messages Yes Yes Yes Yes Yes Recovery Phase in Hotel (maximum 05 days) US$ 950 $ 75 US$100 / day US$ 160 US$ 100 Sanitary repatriation Yes Yes US$ 25,000 US$ 40,000 US$ 40,000 Repatriation due to Death Yes Yes Yes Yes Yes Tow-way air ticket to family member Yes Yes Yes Yes Yes Family Member Assistance (maximum 05 days of lodging) US$ 950 $ 75 US$ 100 / day US$ 160 US$ 90 Return Trip Assurance Yes Yes Yes Yes Yes Expenses Covering Flight Delay or Cancellation US$ 320 $ 250 US$ 200 US$ 200 US$ 1,000 Medical Check-up - No Life insurance due to accidental death (2) US$ 100,000 R$ 50,000 US$ 100,000 US$ 100,000 R$ 100,000 Permanent Disability insurance US$ 100,000 - for the other continents, a reduction of 50% on the medical coverage will be applied. European Community - Germany Austria, Belgium, Denmark, Spain, Finland, France, Greece, Holland, Iceland, Italy, Luxembourg, Norway, Portugal and Sweden - Sanitary and funeral repatriation are included in the medical costs. 5- Student GLOBAL and STUDENT PLANET Plans - extension to hospital stay included in the medical costs. 6- Planet plans category - Europe / USA + Canada / Others. 15

16 GENERAL CONDITIONS WARNING: The present GENERAL CONDITIONS rule the travel assistance services denominated GTA-GLOBAL TRAVEL ASSISTANCE, which the holder of the Service Order (voucher) accepts integrally. The object of the services specified below consists in providing the Holder of the Service Order (voucher) with an assistance during his/her trip, in order to propitiate assistance in events herein foreseen. Such assistance is in force during the period of time of the overseas trip, and its validity is indicated in the Service Order (voucher). The medical assistance services herein foreseen are not permanent, but provided in a manner so as to propitiate to the Holder of the Service Order (voucher) the emergency assistance in events foreseen herein, this is not a health insurance, nor a medical assistance service plan. IN ORDER TO LEARN ABOUT THE TRAVEL ASSISTANCE SYSTEM AND THE SERVICES OFFE- RED HERE AND ALSO TO PROPERLY USE THESE SERVICES, LEARNING ABOUT ITS COVERA- GE AND LIMITATIONS, WE RECOMMEND READING THE FOLLOWING RULES OF THIS CON- TRACT THROUGHLY. Since it regards a services contract holding the exclusive objective of providing emergency services in situations that may compromise the normal continuation of the trip, once the Holder s medical condition is stable, and it is possible to carry out a medical repatriation for curing purposes, repatriation or transportation will be proposed to the original location of the trip, at the risk of losing the rights foreseen in these General Conditions. Costs and expenses with treatment in the Holder s permanent domicile will be charged to the Holder, whether to his/her medical assistance plan, personal funds, or to any other service hired by the Holder himself. I - GENERAL PROVISIONS Beneficiary: It is the Holder of GTA-Global Travel Assistance s Service Order (voucher) Age limits: In the Euro Assist, Euro Business, Full, Euro Sports, All Sports and Union Plans, 71 TO 80 YEARS OLD Holder will be subject to a 50% increase to the fee, and above 80 years old to an increase of 50% to the fee and reduction of 50% in medical assistance coverage. In the Global and Planet Plans, 70 YEARS OLD Holder will be subject to an increase of 50% to the fee, and above 75 YEARS OLD TO 85 YEARS OLD an increase of 50% to the fee and a reduction of 50% on the medical assistance coverage. In Plans Executivo Full, Executivo Global, Executivo Planet, Star e Titanium the holder aged more than 70 years will have a 50% percent addition to the fee; the age limit is 75 years old. In the other plans, ABOVE 75 YEARS OLD Holders will be subject to a reduction of 50% on the medical coverage. 16

17 1.3 - VALIDITY PERIOD: a) GTA-Global Travel Assistance will provide the assistance services herein foreseen during the contracted validity period, which will be stated in the Service Order (voucher) issued at time of contracting. b) The period of validity will correspond to the one informed by the Holder at the time the Service Order (voucher) is issued. c) If, due to any circumstance, under responsibility or not of the Holder, a price lower than the value of the fee corresponding to the contracted period of validity was stipulated, GTA-Global Travel Assistance will provide the assistance services and repatriation services covering the period corresponding to the amount of the fee effectively paid by the Holder. d) If due to any circumstance, under responsibility or not of the Holder, a concurrent issue of the Service Order (voucher) occurs, only the first Service Order (voucher) issued will be valid, and any other additional orders will not be in effect. e) The assistance services and responsibility of GTA-Global Travel Assistance are limited to the validity period of the Service Order (voucher), or at maximum 365 consecutive days per Holder s traveling period, and the issue of a Service Order (voucher) for a period above 365 days is prohibited. f) Student category Plans (as of July/11) Maximum Period of 18 Months, starting at the date of departure from the Country where the Service Order (Voucher) was issued, ending at the date of return to that same Country. g) The period of 365 days starts as from the date of departure from the country where the Service Order (voucher) was issued and ends on the date of return to that same country. This delimitation applies also to GTA-Global Travel Assistance annual plan. h) GTA-Global Travel Assistance prohibits the issue of a Voucher to a person already travelling overseas ANNUAL VOUCHER: The Holder of the annual Service Order (Voucher) is entitled to an unlimited quantity of travelling periods MULTI TRAVELING PERIODS - FOR THE BENEFICIARY OF EXECUTIVO OURO / PLANET / GLOBAL / FULL 90 / FULL 120 / GLOBAL 90 / GLOBAL120 / PLANET 90 / PLANET 120 / EUROBUSINESS PLANS - The Beneficiary will stay no more than 120 or 90 or 45 consecutive days overseas, according to what is indicated in the General Conditions of the acquired product. After this period, the beneficiary will have no more right to the acquired assistance services, even if still travelling. The period of days is based on the dates of exit from the country where the Voucher was originally issued. WARNING: THE TOTAL OF CONSECUTIVE DAYS OF TRAVELLING PERIOD FOR THESE PLANS CANNOT BE SUPERIOR TO 365 (three hundred and sixty five) DAYS. At the time of requesting assistance, the GTA-Global Travel Assistance Operation Center will request a copy of the Holder s passport or any other document, presenting the date of departure from the country of origin, or the date of entrance in the country in which the holder is requesting the service. Students holding the Student Plan will be required to provide, by fax to the GTA-Global Travel Assistance headquarters, a credential of the University or School in which they are studying. Specific Exclusion: no assistance of any kind will be provided to holders under illegal migration or labor situations (including non-declared labor in the country in which the assistance is requested) TERRITORIAL VALIDITY: According to the product, the validity will be global, European (countries of the European Community and Switzerland), regional (except the country of domicile). 17

18 a) PLANS EURO ASSIST / EUROBUSINESS / STUDENT EURO ASSIST / RECEPTIVO EURO ASSIST: European coverage product, if used outside of the European continent will have a 50% reduction in the medical coverage. For common knowledge, the countries that are part of the European Union, to which Switzerland was added exceptionally for the purpose of validity to the same coverage, are: Germany, Austria, Belgium, Bulgaria, Cyprus, Denmark, Slovakia, Slovenia, Spain, Estonia, Finland, France, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Holland, Poland, Portugal, United Kingdom, Chez Republic, Romania and Sweden. EURO MAX / RECEPTIVO EURO MAX Plans - the amounts for the coverage will be held for EUROPE, ASIA, AFRICA and OCEANIA, for the AMERICAS there will be a 50% reduction on the medical coverage and on sanitary repatriation. b) GTA-Global Travel Assistance card covering assistance will not provide services in Brazil, EXCEPT FOR THE RECEPTION PRODUCT (foreigners visiting Brazil): BRONZE / RUBI / PRATA / OURO / DIAMANTE PLANS Age Limit - above 75 years old, 50% reduction only to the medical benefit. UNION AND FULL PLANS Age Limit from 71 to 80 years old. 50% addition to the fee, above 80 years old, 50% addition to the fee and 50% reduction only to the medical benefit. Benefit - Medical and Funeral Repatriation(1) - included in medical costs. EURO ASSIST and EURO MAX PLANS Age limits - from 71 to 80 years old, 50% addition to the fee, above 80 years old, 50% addition to the fee and 50% reduction only to the medical benefit. Geographical Coverage - EURO ASSIST coverage values will be maintained only for countries of the Schengen Treaty and the European Union, for the other continents, a reduction of 50% on the medical coverage will be applied Benefit - Medical and Funeral Repatriation(1) - included in medical costs. Euro MAX Plan - GEOGRAPHICAL COVERAGE: the amounts for the coverage will be held for EUROPE, ASIA, AFRICA and OCEANIA, for the AMERICAS there will be a 50% reduction on the medical coverage and on sanitary repatriation. Repatriation due to death is included in medical costs. REIMBURSMENT: Reimbursement payments will be performed in Brazil, in national currency, by a deposit to the holder s banking account in a Brazilian bank. c) GTA-Global Travel Assistance card covering assistance will not provide services in Brazil, even within the validity period of the Service Order (Voucher). d) Countries in civil war or among themselves are excluded from the territorial validity. These countries are examples, but they are not limited to them: Afghanistan, Iraq, Sudan, Somalia, North Korea, etc PROCEDURE TO REQUEST ASSISTANCE: To request assistance services, the Holder of the Service Order (voucher) should MANDATORILY contact GTA-Global Travel Assistance Operation Center through a COLLECT CALL placed to the telephone number printed in the Voucher, informing his/her name, number and period of validity of the Service Order (voucher), his/her location and the reason for assistance request RESPONSIBILITY OF THE SERVICE ORDER (VOUCHER) HOLDER: In all the assistance cases foreseen in the present General Conditions, the Holder is committed to: 18

19 a) Request first, and by phone, an authorization from GTA-Global Travel Assistance Operation Center before taking any initiative or commit himself/herself with any expense. b) If the Holder is unable to communicate with GTA-Global Travel Assistance Operation Center, he/she should seek medical assistance from any medical center closer to his/her location, HOWEVER within the first 24 hours of the event he/she should notify such event to the Operation Center, INCLUDING the reason that prevented him/her from requesting the assistance, under the risk of automatic cancellation of the right to obtain direct payment and/or reimbursement of the services contracted from the service providers. This communication is mandatory, as GTA-Global Travel Assistance will not be responsible for the cost of any assistance without prior knowledge and approval of its Operation Center. c) Accept the solutions indicated by GTA-Global Travel Assistance Operation Center. d) Agree to repatriation to his/her country of origin as long as his/her health conditions allow such repatriation and according to GTA-Global Travel Assistance doctors recommendations. e) In case of reimbursement request, provide the necessary documentation in order to confirm the authenticity of the event, as well as all the original supporting documents covering the expenses to be reimbursed by GTA-Global Travel Assistance, and all the medical information that allows GTA-Global Travel Assistance Operation Center to analyze the authorization for service rendering and payment of the assistance provided. f) Deliver to GTA-Global Travel Assistance the air ticket(s) in his/her possession, duly endorsed, when GTA-Global Travel Assistance will effect repatriation of Holder whether in case of accident, disease or death. g) Grant authorization that allows disclosure of his/her clinical history to facilitate analysis of the case by the Medical Department of GTA-Global Travel Assistance Operation Center RESPONSIBILITIES OF GTA-GLOBAL TRAVEL ASSISTANCE: The obligations assumed by GTA-Global Travel Assistance refer to coverage of expenses resulting from accidents occurred or sudden and acute illnesses suffered after the start date of the Service Order (voucher), as long as his/her departure from the country of origin is confirmed. Under the present General Conditions, an accident is understood as being the event that generates a body damage suffered by the Holder of the Service Order (voucher) caused by violent and visible external agents, out of his/her control and in movement, as well as injury or disease directly caused by such agents and in an independent manner of any other cause CANCELLATION OF SERVICE ORDER (VOUCHER) OR CHANGE IN VALIDITY PERIOD: a) The request should be submitted by the Holder through fax , mail or personally no later than the third business day prior to the date scheduled in the Service Order (voucher) for start of assistance. b) After the period mentioned above, the right to request cancellation or change in the validity period will expire automatically and the Holder shall have no right to any compensation. c) If the cancellation or change in validity period request is sent by the Holder within the third business day prior to the date indicated in the Service Order (voucher), the amount paid by the Holder will be returned or a new Service Order (voucher) could be issued with a new expiration date SUBROGATION: a) Up to the total amount spent in fulfillment of the obligations established in the present General Conditions, GTA-Global Travel Assistance will continue automatically subrogated in the rights and actions that may correspond to the Holder or to his/her legal heirs, against third parties, natural individuals or legal entities, due to the event that motivated the assistance provided. b) In the subrogation, the rights and actions to be exercised are expressly understood, in light of the transportation companies, as related to full or partial reimbursement of the unused tickets, when GTA-Global Travel Assistance will carry out at its own expenses, the transportation of the Holder or of his/her remains. Consequently, the Holder irrevocably transfers in favor of GTA-Global Travel Assistance, the rights and 19

20 actions included in this clause, committing himself/herself to execute all the legal acts that are necessary, including providing cooperation if requested as related to the subrogation herein agreed upon EXEMPTION OF OBLIGATION: GTA GLOBAL Travel Assistance will be exempted from providing the services herein contracted if the practice of an illicit act or malicious intent is characterized on behalf of the Holder of the Service Order (voucher), for example: simulation of luggage loss, acquisition of other assistance services to accumulate indemnity for loss of luggage, acquisition of the present assistance with the intention of using it for medical treatment of already known disease (pre-existence ailment). In case of the exemplified hypotheses and in other cases that characterize fraud, the Holder will have no right to obtain rendering of services herein agreed upon and will respond in the civil and criminal sphere for such conduct. GTA-Global Travel Assistance reserves the right to demand from the beneficiary the reimbursement of any expenses effected in an incorrect manner, if illicit or malicious acts are evidenced on behalf of the beneficiary. The collection mentioned above will use as evidences the General Conditions and the receipts of payments effected by GTA-Global Travel Assistance EXEMPTION OF RESPONSIBILITY: GTA-Global Travel Assistance shall not be held responsible and will not indemnify the beneficiary of the Service Order (voucher), for any damage, loss, injury or disease caused by professionals that provided the requested assistance services, whether medical or legal assistance. GTA-Global Travel Assistance only provides the services when requested without being responsible for the results. In this case, the person, or persons, assigned by GTA-Global Travel Assistance, will be considered as agent of the Service Order (voucher) beneficiary, without recourse of any nature or circumstance against GTA-Global Travel Assistance due to such assignment EXCEPTIONAL CIRCUNSTANCES: GTA-Global Travel Assistance will be exempted from any responsibility in cases of acts of God or force majeure such as: catastrophe, earthquake, rebellions, riots, acts of guerilla or against guerilla, hostilities, retaliation, conflicts, embargos, acts of violence, mobilization of political nature, strikes, popular acts, lock-out events, or any act of sabotage or terrorism, that unable the normal rendering of its services due to such reasons STATUTORY LIMITATION PERIOD: All and any claims related to the obligations assumed by GTA- Global Travel Assistance through the present General Conditions should be submitted in writing, within the maximum period of 90 (ninety) days as from the expiration date of the Service Order (voucher) of the beneficiary. ELAPSED THE PERIOD OF TIME MENTIONED ABOVE no claim of any nature will be accepted and the contract signed between the parties will be considered as fulfilled Forum: In case of controversy related to the present contract covering assistance during travel, both parties elect as from this moment, the forum of the city where the Service Order (Voucher) was issued, expressly waiving to any other even if more privileged EXEMPTION OF SALES AGENTS RESPONSIBILITY: The representatives of the GTA-Global Travel Assistance cards (travel agencies, tourism operators, transportation companies and every and any issuer 20

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