Enclosures. What to do next. Important Information. 3rd Floor, 100 Holdenhurst Road, Bournemouth BH8 8AQ

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1 3rd Floor, 100 Holdenhurst Road, Bournemouth BH8 8AQ Sirs St Pauls Court Management Company Limited c/o Pedersen & Company Temple House 17 Dukes Ride Crowthorne, Berkshire RG45 6LZ Client Number: 899 Policy Number: BOF POL-14 Insured: St Pauls Court Management Company Limited 16 December 2014 Dear Sirs Policy Type: Blocks of Flats Effective Date: 17/12/2014 Thank you for your confirmation of renewal from 17/12/2014. In addition to this cover, we can provide comprehensive cover for your other insurance needs which are detailed on our website Alternatively you can call us and our team will be happy to take the time to explain the policy features. At Deacon it is all part of the service and by insuring with us, you are using a company that has over 20 years experience in all aspects of the residential and commercial property insurance market, so we really understand your needs. Enclosures Invoice - This has been included in case payment has not already been made. However, please note that if you have paid the premium, then this can be ignored and retained for your records if required. Policy Wording(s) - Please read carefully to ensure you have sufficient cover. Schedule(s) - Please read carefully to ensure you have sufficient cover. Employers' Liability Certificate - It is a statutory requirement that this document is displayed in a prominent place and can be made available electronically if required. Please retain indefinitely as evidence of cover in the event that a future claim is made against you. What to do next Invoice - Please forward payment within 14 days of renewal, alternatively should you wish to pay by Direct Debit, please telephone me with your bank details so that I can set this facility up. If you have already paid by card or agreed the finance, no further action is required. Disclosure of Information - Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don t, your policy may be cancelled, or treated as if it never existed, or your claim rejected or not fully paid. Important Information Please ensure that the policy information is correct and that your Sums Insured are adequate and reflect the full replacement value of your property, as in the event of a loss your claim may be reduced if underinsured. Please note that this is your responsibility. Blocks of Flats Insurance Deacon is a trading name of Property & Commercial Limited which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales No Registered Address: The Walbrook Building, 25 Walbrook, London, EC4N 8AW

2 Cover is subject to the following Terms A satisfactorily completed Statement of Fact. Any excesses and clauses shown in the documentation. Please note that with effect from your policy renewal date, your Insurer has made some changes to the Policy Wording (copy attached). Whilst the core cover remains the same as before there have been some changes to the Policy Wording. It is important that you read all the enclosed documents to ensure that the cover is sufficient for your needs but we would draw your attention to the following changes: Page 5, How we use personal information. This has been updated to ensure it reflects the current ways in which data may be used and with whom it may be shared. Page 5, Fraud prevention and detection. The insurer has confirmed that they may conduct searches using publicly available databases. Page 11, Prevention of Access. For blocks with a Buildings Sum Insured of over 50,000,000 an upper limit of 10,000,000 now applies to this extension. Blocks with a Buildings Sum Insured up to 50,000,000 continue to receive cover up to 20% of the Buildings Sum Insured. Page 12, Public Utilities. For blocks with a Buildings Sum Insured of over 50,000,000 an upper limit of 10,000,000 now applies to this extension. 20% of the Buildings Sum Insured. Blocks with a Buildings Sum Insured up to 50,000,000 continue to receive cover up to Page 32, Sanctions. This is a new addition to the General Provisions section confirming that Zurich will not provide cover or payment where it would be in violation of any trade or economic sanctions. The policy may be subject to a survey. This will be completed by the insurer but any subsequent cover may be subject to risk improvements being completed within the time limits specified. Subject otherwise to the standard terms, conditions and exclusions of the Zurich Blocks of Flats policy. Deacon Telephone Helplines Policy advice Mon - Fri between 9am pm Claims advice Legal advice For full details of your cover, please refer to the policy wording. Should you have any queries, please call me on or on danielle.hoyle@deacon.co.uk. Yours faithfully Danielle Hoyle Account Executive Please be aware that all telephone calls are recorded for quality control, legal, regulatory and training purposes Page 2 of 11

3 INVOICE OPTION ONE - INSTALMENTS To pay monthly by Direct Debit simply call Danielle Hoyle on with your account details to hand You will be required to enter into a Credit Agreement and Credit is subject to status OPTION TWO - PAY IN FULL BACS CREDIT*/DEBIT CARD CHEQUE Please use the following information when paying Reference - BOF POL-14/899 Our bank details: Sort code Account number To pay by Credit*/Debit Cards over the phone (except Solo), simply call with your card & policy details. * Credit Card payments are subject to a 2% handling fee Cheques should be made payable to Deacon and must be for the total amount payable. Due to regulations we are unable to accept post-dated cheques Payments should reach us within 14 days from 17/12/2014. Client Number 899 Insured Risk Address St Pauls Court Management Company Limited St. Pauls Court Reading Berkshire RG1 6HF Invoice Trans. No Premium Payment Due Policy Number BOF POL-14/899 Period of Insurance 17/12/2014 to 16/12/2015 Date of Invoice 16/12/2014 Cover Blocks of Flats Insurer Zurich Premium IPT 8, Total 9, Terrorism (Optional) Not Included Deacon Administration fee 0.00 Subtotal 9, Directors and Officers (Optional) Zurich Insurance plc Legal Expenses (Optional) Brit Syndicate 2987 at Lloyd's Emergency Assist (Optional) Not Included Total Amount Due 9, Mid Term Adjustments Renewal Notes of Interest Fees Your policy is subject to the following fees: Cancellation *Duplicate Documents *there will be no charge for copies sent by Deacon - 3rd Floor, 100 Holdenhurst Road, Bournemouth, Dorset BH8 8AQ. Telephone: Broker/Managing Agents Fax: Residents Fax: Deacon is a trading name of Property & Commercial Limited which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales No Registered Address: The Walbrook Building, 25 Walbrook, London, EC4N 8AW VAT No Page 3 of 11

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5 Residential Property Owners Policy Schedule The Schedule, Specification(s), Policy and Endorsements form one document. The Schedule replaces any previous Schedule Policy Number BOF POL-14/899 Insurer Reference JA Insured St Pauls Court Management Company Limited Insurer Zurich Insurance plc Business Residential Management Company or Association And no other for the purposes of this policy Risk Address St. Pauls Court Reading Berkshire RG1 6HF Period of Insurance From 17/12/2014 to 16/12/2015 (Or any subsequent period for which the Insurer accepts renewal of this policy) Next Renewal Date 17/12/2015 Premium Insurance Premium Tax* Total Total Amount Payable Block of Flats Terrorism Directors and Officers 8, , , *Insurance Premium Tax levied by HM Government 6% Total Payable 9, , Section 1 Material Damage Section Operative Sums Insured Buildings Declared Value 7,242,652 Building Sum Insured 10,863,978 Contents of Communal Parts Sum Insured Residential Contents Sum Insured 25,000 10,000 Rent and Alternative Accommodation Limit 33.33% of the Building Sum Insured Insured Perils Excluded Insured Perils All Insured Perils listed in Section 1 unless shown as excluded below None Excesses All Insured Perils unless specified below Water Damage 500 Insured Peril 14 Subsidence 1,000 Loss of Money Extension Limits Personal Accident Assault Extension Limits a) i) 250,000 a) ii) 2,000 b) i) 250 b) ii) (a) 10,000 1 (b) 10,000 1 (c) 10, per week Section 2 Property Owners Liability Limit of Indemnity 10,000,000 Extension 5 Tenants Liability restricted to 1,000,000 Section 3 Employers Liability Section 10,000,000 Section 4 Directors' & Officers' Liability 500,000 Section 5 Section 6 Clauses Prior and Pending Litigation Legal Expenses for the eviction of squatters Terrorism Extension 21/10/2011 Limit 50,000 Section Inoperative The interest of the lessee(s) of the unit(s) comprising the insured buildings and their mortgagees is included in this Policy and in the event of loss the names of all such interested parties shall be declared to the Insurer Operative Endorsements 03A 197 Operative Directors & Officers Endorsements 012 Date of Schedule 16/12/2014 Page 5 of 11 Zurich Insurance plc, a public limited company incorporated in Ireland Registration No Registered Office: Zurich House, Ballsbridge Park, Dublin 4, Ireland. UK branch registered in England and Wales Registration No. BR7985. UK Branch Head Office: The Zurich Centre, 3000 Parkway, Whiteley, Fareham, Hampshire PO15 7JZ. Zurich Insurance plc is authorised by the Central Bank of Ireland and subject to limited regulation by the Financial Conduct Authority. Details about the extent of our regulation by the Financial Conduct Authority are available from us on request. These details can be checked on the FCA s Financial Services Register via their website or by contacting them on Our FCA Firm Reference Number is

6 ENDORSEMENTS For Attachment to your Residential Property Owners policy Effective From 17/12/2014 To 16/12/2015 Endorsement No. 3a Section 1 - Material Damage Loss of Metered Water, Gas & Electricity is restated as follows: Loss of metered water, gas or electricity following damage resulting in a water, gas or electricity charge which you are unable to recover from any other party. We will not pay more than 250,000 in any Period of Insurance Water Damage Tracing Costs Costs and expenses which you incur with our consent to locate the source of damage to the Buildings due to an escape of water, including subsequent repair to walls, floors or ceilings. Effective From 17/12/2014 To 16/12/2015 Endorsement No. 197 Joint Insured Insofar as is necessary to comply with the terms of any contractual agreement the contracting parties and others named therein will be indemnified as Joint Insured by the Insurers as if they were the Insured. Effective From 17/12/2014 To 16/12/2015 Endorsement No. 12 For Attachment to Your Residential Property Owners Policy The following Endorsement only applies to Section 4 - Directors' and Officers' Liability The Cover is extended to include We will pay on behalf of You such FINANCIAL LOSS as arises from any claim first made against You during the PERIOD OF INSURANCE Payment of DEFENCE COSTS will be made in accordance with Section 3 of this policy. Additional Special Exclusions applying to this additional cover only We shall not be liable under this policy to make any payment for FINANCIAL LOSS in respect of any claim made against You for: 1 the provision of or failure to provide professional services. 2 any breach of any contract or agreement, either oral or written, except to the extent You would have been liable in the absence of the contract or agreement. 3 any libel or slander, any form of invasion of privacy, plagiarism or breach of copyright or trademark, patents, database right, registered design or design right. 4 any breach of any regulatory, statutory or common law aimed at preventing monopolies, price discrimination, fixing of prices or other unfair trade practices. 5 any claim brought by and maintained by any past, present, future or prospective employee against the residents' association based on any actual or alleged wrongful dismissal, discharge or termination of employment, breach of any oral or written employment contract or quasi employment contract, employment related misrepresentation, violation of employment discrimination laws (including work place harassment) wrongful failure to promote, wrongful discipline, wrongful deprivation of a career opportunity, negligent evaluation, invasion of privacy, employment related defamation or employment related infliction of emotional distress. All other terms and conditions of this Section remain unchanged Page 6 of 11 Zurich Insurance plc, a public limited company incorporated in Ireland Registration No Registered Office: Zurich House, Ballsbridge Park, Dublin 4, Ireland. UK branch registered in England and Wales Registration No. BR7985. UK Branch Head Office: The Zurich Centre, 3000 Parkway, Whiteley, Fareham, Hampshire PO15 7JZ. Zurich Insurance plc is authorised by the Central Bank of Ireland and subject to limited regulation by the Financial Conduct Authority. Details about the extent of our regulation by the Financial Conduct Authority are available from us on request. These details can be checked on the FCA s Financial Services Register via their website or by contacting them on Our FCA Firm Reference Number is

7 Certificate of Employers' Liability Insurance (a) (Where required by regulation 5 of the Employers Liability (Compulsory Insurance) Regulations 1998 (the Regulations), a copy of this certificate must be displayed at all places where you employ persons covered by the policy or an electronic copy of the certificate must be retained and be reasonably accessible to each employee to whom it relates). Policy No. 1. Name of policy holder BOF POL-14 / 899 St Pauls Court Management Company Limited 2. Date of commencement of insurance policy 17/12/ Date of expiry of insurance policy 16/12/2015 We hereby certify that subject to paragraph 2: 1. The policy to which this certificate relates satisfies the requirements of the relevant law applicable in Great Britain, Northern Ireland, the Isle of Man, the Island of Jersey, the Island of Guernsey and the Island of Alderney (b) 2. (a) the minimum amount of cover provided by this policy is no less than 5 million (c) Signed on behalf of Zurich Insurance plc (Authorised Insurer). Signature Stephen Lewis Chief Executive Officer Zurich Insurance plc, UK Branch. Zurich Insurance plc, a public limited company incorporated in Ireland Registration No Registered Office:Zurich House, Ballsbridge Park, Dublin 4, Ireland. UK branch registered in England and Wales Registration No. BR7985. UK Branch Head Office: The Zurich Centre, 3000 Parkway, Whiteley, Fareham, Hampshire PO15 7JZ. Authorised by the Central Bank of Ireland and subject to limited regulation by the Financial Conduct Authority. Details about the extent of our regulation by the Financial Conduct Authority are available from us on request. Notes (a) Where the employer is a company to which regulation 3(2) of the Regulations applies, the certificate shall state in a prominent place, either that the policy covers the holding company and all its subsidiaries, or that the policy covers the holding company and all its subsidiaries except any specifically excluded by name, or that the policy covers the holding company and only the named subsidiaries. (b) Specify applicable law as provided for in regulation 4(6) of the Regulations. (c) See regulation 3(1) of the Regulations and delete whichever of paragraphs 2(a) or 2(b) does not apply. Where 2(b) is applicable, specify the amount of cover provided by the relevant policy. Page 7 of 11 Zurich Insurance plc, a public limited company incorporated in Ireland Registration No Registered Office: Zurich House, Ballsbridge Park, Dublin 4, Ireland. UK branch registered in England and Wales Registration No. BR7985. UK Branch Head Office: The Zurich Centre, 3000 Parkway, Whiteley, Fareham, Hampshire PO15 7JZ. Zurich Insurance plc is authorised by the Central Bank of Ireland and subject to limited regulation by the Financial Conduct Authority. Details about the extent of our regulation by the Financial Conduct Authority are available from us on request. These details can be checked on the FCA s Financial Services Register via their website or by contacting them on Our FCA Firm Reference Number is

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9 RESIDENTIAL MANAGEMENT COMPANIES LEGAL INSURANCE Policy Schedule No /LGL/ POL-14 Legal Services You Agent St Pauls Court Management Company Limited St. Pauls Court Reading Berkshire RG1 6HF Deacon, 3rd Floor, 100 Holdenhurst Road, Bournemouth, Dorset BH8 8AQ Business Trade Description Residential Management Company or Association Period of Insurance 17/12/2014 to 16/12/2015 Number of Units 56 Premium IPT Total Premium STANDARD COVER INSURED EVENTS Employment Disputes Employment Compensation Awards Tax Protection Property Leasehold Valuation Tribunal Protection Compliance and Regulation Contract & Debt Recovery Legal Advice Counselling Legal Documents Max Website LIMIT OF INDEMNITY 250,000 Per Claim EMPLOYMENT COMPENSATION AWARDS ANNUAL AGGREGATE LIMIT 1,000,000 Excess 250 in respect of Aspect Enquiries under Tax Protection 500 in respect of Contract disputes if the amount in dispute exceeds 5,000 OPTIONAL EXTENSION - LANDLORDS LEGAL SOLUTIONS A Legal Expenses Not Included INSURED EVENTS Delapidations Recovery of Rent Arrears Repossession Prosecution Defence B Rent Indemnity Not Included LEGAL ADVICE TELEPHONE NUMBER: COUNSELLING HELPLINE TELEPHONE NUMBER: LEGAL DOCUMENT MAX VOUCHER CODE NUMBER X1232K545CA3 Page 9 of 11 Issued by ARAG plc who are authorised under a binding authority agreement to administer this insurance on behalf of the insurer, Brit Syndicate 2987 at Lloyd's. ARAG plc Registered Office: 9 Whiteladies Road, Clifton, Bristol, BS8 1NN. Registered in England & Wales Registration No ARAG plc are authorised and regulated by the Financial Conduct Authority, Registration No

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