COMPREHENSIVE HOME INSURANCE

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1 COMPREHENSIVE HOME INSURANCE Protect Everything Youre Worked So Hard To Get Rest Assured With Flexible, Affordable Home Insurance Premium Fully Refundable Within 30 Days of Inception The Home Insurance Policy is comprehensive policy and there are different coverages depending on the property insured. This Comprehensive Home Insurance provides protection for all of the following as long as they belong to you and you are legally responsible for them and they are mainly used for private purposes. Section 1 - Building Deductible : To be advised We mean the home, landlords fixtures and fittings, terraces, footpaths, etc. Buildings are covered against loss or damage by the name perils, i.e. Fire, lightning, explosion, earthquake, storm, water damage, riot, theft, and collision. Section 2 - Contents in the house Deductible : To be advised We mean home furniture and furnishings, clothing, computer, etc. Contents are covered against Accidental Loss or Damage (on an 1All Risks2 basis) while they are in your home. We mean home furniture and furnishings, clothing, computer, etc. Contents are covered against accidental loss or damage (on"all Risks" basis) while they are in your home and subject to the replacement as new if they are totally lost or destroyed, except clothes and household linen where a deduction for wear and tear will be applied. Any antique or work of art for the amount exceeding Baht 2, must be specified under this section. All of the contents of your house (furniture, furnishings, appliances, beds, bedding, cutlery, crockery, ornaments, books, CD's etc.) that stay IN the house. This needs to represent the new replacement value of all of the contents of your home that your brought over with you, or that you have purchased since you arrived, including all of your: - Furniture/Furnishings - Appliances/TV/Stereo/Kitchen - Kitchen Utensils - Cutlery/Crockery - Beds/Bedding/Linen - Carpets? - Books/Games/Toys - CD's/DVD's - Ornaments/Art/Photos - Food/Consumables/Toiletries

2 You don't need to list any of this unless you have any unique items such as antiques, but if you are concerned, take photos and keep them on your computer at work. Section 3 - Personal Effects Deductible: To be advised This option is mainly about insuring personal possessions that you take out of your home, including when you go abroad on holiday with limit up to Baht 300,000 any one loss, against accidental loss or damage and theft. Personal possessions include clothing, jewellery, sports equipment, cameras, luggage, etc. subject to the new replacement value. Please declare any items valued over Baht 25,000 All of your personal effects that go outside of the house ( typically clothing, sports equipment, jewellery, watches, cameras, mobile phones, laptops etc.). This sum should include enough money to replace, new, ALL of your: Cover is 'new for old' (except for clothing), and extends to anywhere in the world for the personal effects. - Clothes - Shoes/Boots/Footwear - Sports equipment - Jewellery/Watches - Cameras/Videocameras - Mobile Phones/PDA's (all must be specifically listed or no cover) - Laptops etc (all must be specifically listed or no cover) - Handbags/Purses - Baggage/Rucksacks/Suitcases Section 4 - Personal Accident Deductible: Nil This insurance covers loss arising from bodily injury to you or your family members, caused by an accident giving rise to Death, dismemberment or total permanent disability. A lump sum will be paid to you in accordance with the level of benefit (if any) that you have chosen in the application form. Section 5 - Personal Liability Deductible: To be advised Covers all sums which you shall become legally liable to pay for compensation in respect of third party bodily injury or third party property damage up to Baht. 5,000,000 any one occurrence.

3 Section 6 - Workmen's Compensation and Employer's Liability Deductible: Nil Covering your legal liability for injury or sickness which you may cause to your domestic servants and drivers according to Thai Labour Law. ARE THERE ANY SPECIAL DUTIES? You must at all times keep the sums insured at a level which represents the full value of the items insured; Full Value means: 1. For the household contents D (other than clothes and household linen) the current cost as new; i.e. the current replacement value; 2. For clothes and household linen D the current cost as new less an appropriate allowance for wear and tear; (normally 20% per annum from original purchase price); 3. For valuables and personal effects D the original purchase price as declared by representation of original receipts or authenticated copies. Taking care of the property: a) You must take all reasonable steps to prevent any loss or damage especially during periods when travelling overseas or away from your home. b) You must maintain all the property insured in good repair. Disclosure You must tell us about everything that may be material to our accepting your application WHAT HAPPENS IF THERE IS LOSS OR DAMAGE? If any loss or damage happens, you must as soon as you reasonably can: 1. Inform NZI D Phone (662) : Fax (662) Inform the police if the property is lost or stolen or malicious damage is suspected; 3. Take all reasonable steps to recover missing property and avoid further loss. HOW DO I APPLY FOR HOME INSURANCE? 1. Chose the protection that you need 2. Calculate premium from the table below. 3. Complete the attached Application Form 4. Fax to NZI no. (662) or call us Phone no. (662) Contact : 4019,4012

4 WHAT ARE THE MAIN EXCLUSIONS? Section 1 External television receiving equipment Swimming Pool Damage occurring while your house has been left unoccupied for mare than 60 days Damage caused by domestic pets or your vehicle Damage caused by movement of the land belonging to the building Section 2 Any antique or work of art for an amount exceeding Bht. 2,000.- unless specified Mobile phone or laptop computer unless specified Loss of money except where there is forcible and violent entry or exit Theft by employees, guest, friend Loss or damage to china glass, earthenware and other items of a brittle nature Section 3 Any item amount exceeding Bht. 25,000.- unless specified Money or credit cards over Bht. 5,000.- Section 4 Dental treatment, root treatment, changing or replacing denture except preliminary treatment subsequent from the accident. Abortion General Exclusions Terrorism Loss or damage caused by wear and tear

5 You can easily calculate your own premium based on your own protection plan and benefit. Table of Benefit & Premium Plan of Coverage Sum Insured Premium Rate Premium (Baht) Remark 1. Building Concrete X 0.125% MMMM.MM 2. Contents - less than Bht. 1,000,000 X 0.4% private use or 0.48% if rented.mmm...mm - Bht. 1,000,000 D 2,000,000 X 0.35% private use or 0.42% if rented.mmm..mm - over Bht. 2,000,000 X 0.30% private use or 0.36% if rented.mmm..mm 3. Personal effects - less than Bht. 400,000 X 1.00% MMMM >>>> - Bht. 400,000 D 600,000 X 0.80% MMM... >>>> - over Bht. 600,000 X 0.70% MMM.. MMMM 4. Personal Accident >>>>>>> X 0.15% >>> MMM (Total sum insured of all family members) 5. Personal Liability Limit of Liability Bht. Bht ,000, Workmens Compensation Limit of Liability Bht. Bht ,500,000.- Sum of Premium MMM.. (Premiums are subject to VAT & Stamp Duty. The figures will be confirmed by NZI) - Stamp is 0.4% always round up, Vat 7%

6 APPLICATION FORM Comprehensive Home Insurance The Insured Full Name Address Occupation Date of Birth Telephone MobilePhone Fax ID Card No Expiration date The Property Address if different from above Type Single House Town House Duplex Triplex Apartment Condominium Other (Please specify) Occupancy: Is the house occupied throughout the day? Construction: Is the building constructed of brick, stone or concrete and roofed with slate, tile or concrete? Owner: Are you the owner or tenant under location property? Owner Tenant Purpose of use: Is the house for private dwelling or for rent? Private dwelling For rent Your Insurance History: Are you presently insured against loss from fire or burglary? If so, please state name of Insurer Has any insurer declined to provide you with insurance? If so, please provide details Have you ever made a claim under your household policy? If so provide details Period of Insurance Cover does not commence until this proposal is accepted by the insurer. Period of insurance 1 year. Effective Date / / Section I C Building Do you wish to insure the building of your premises? If so, please state the full cost of replacement as new. Baht

7 Section 2 C Contents Do you wish to insure the contents inside your premises? If so, please state the full cost of replacement as new. Baht Please attach list of all items of your personal effects valued in excess of Baht 25,000 - each item and provide evidence of value/receipts. Cover is provided on an Hall risksj basis but is limited to items contained within your home. Section 3 C Personal Effects Do you wish to insure Personal Effects while outside your home. If so, please state the full cost of replacement as new. Baht Please attach list of all items of personal effects valued in excess of Baht 25,000.- each item and provide evidence of value. (same list as above) Section 4 C Personal Accident Do you wish to purchase personal accident coverage for yourself and/or your family^s member: If so, please state the name and level of benefit required : Name of Insured Sum Insured (Baht) ,000 1,000, ,000 1,000,000 For children, we could provide sum insured (Baht) maximum is 100, , , ,000 Section 5 C Personal Liability Do you wish to purchase Personal Liability Insurance. Section 6 C WorkmenSs Compensation and EmployerSs Liability Do you wish to purchase Workmen^s Compensation Insurance for domestic servants and drivers. Important Note Persuant to Section 865 of the Civil Code, you are to declare in this brochure, fully and faithfully all the facts that you know or ought to know, otherwise the policy issued hereunder may be void. Declaration I hereby declare that the information contained herein is given to the best of my knowledge and belief and I understand that cover is not effective until confirmed in writing Applicant^s Signature Date Please print ( )