Stay safe and protected with EBS home insurance

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1 Where Family Counts Insurance EBS Home Insurance Stay safe and protected with EBS home insurance GET THREE MONTHS FREE * COVER Lily looks after her brother Tynan at Dublin Zoo, EBS. Helping families in Ireland protect their home for 75 years. EBS Householder is brought to you by EBS Building Society and underwritten by Allianz plc.

2 Protect what s important to you... Your home is likely to be your most valuable asset and therefore it makes sense to protect it. Even if you already have an insurance policy with another provider switching to EBS is easy and could save you money. Oscar cuddles into grandad Pat on his first day at school, Cheshire 2008.

3 EBS Householder Insurance Features Buildings and Contents Cover Fire, explosion, lightning, earthquake and thunderbolt Smoke Storm and Flood Freezing, escape or overflow of water from within any plumbing or heating system Escape or overflow of oil from within any plumbing or heating system Clean up expenses following escape of oil Impact by aircraft, aerial devices, road vehicles or animals Falling trees and branches Riot, civil commotion, strikers Malicious damage and vandalism Subsidence, heave and landslip Stealing (or attempted stealing) Additional benefits Cost of alternative accommodation if the Premises is made uninhabitable following damage by an insured cause Trace and access if water or oil has escaped - up to 650 Architects/Surveyors fees Accidental breakage of fixed glass and sanitary fittings Compensation for death of Insured and/or spouse

4 Cost of preparing new title deeds following loss or damage up to 650. Replacement of door locks and keys following a break in or assault. Fraudulent use of credit, debit, charge, cheque or cash cards - up to a limit of 1,300. Loss of or damage to food and other goods in transport from the shop - up to 320. Cover for up to 6 paying guests automatically, can be increased up to 12 guests at additional premium. Accidental Damage cover available on Buildings and on Contents. What is accidental damage? Accidental damage on Buildings could be hammering a nail and hitting a pipe or putting your foot through the attic floor. Accidental damage on Contents could be paint or wine spilt on carpet or knocking over a cabinet of crystal. Contents additional benefits New for old cover. No average clause. If you suffer a partial loss and you are mistakenly under insured, we will pay the full claim up to your sum insured. Companies who apply an average clause will only pay a percentage of the claim. Automatic Accidental Damage cover for TVs and audiovisual equipment up to 1,300 where Accidental Damage on Contents is not selected.

5 Automatic increase of Contents Sum Insured by 10% at Christmas time and for household members weddings. Automatic cover of Home Office Equipment up to 3,810 (can be increased up to 12,700 for an additional premium). Freezer and refrigerator Contents up to 650. Visitors and guests property up to 1,300. All Risks (Optional Cover) Items covered both in and away from your home. Unspecified All Risks cover Items of jewellery, photographic equipment, personal effects, clothing and sports equipment. Bicycles up to a limit of 320. Personal money up to a limit of 650. Any one item up to a limit of 2,000. Specified All Risks cover Specified items of jewellery or other valuables. Each item is covered up to the sum it is insured for. High Value Items Any item, set or collection of jewellery, precious metal, pictures, other works of art, furs, stamps, coins, and other such items, sets and collections. (High Value Items are covered up to 50% of the Contents Sum Insured and individual items up to 10% of the Contents Sum Insured) Note: No extra charge for high value items.

6 Liability Property owner s and personal liabilities up to 3,175,000. Liability to Domestic Employees. Child minding facility at the Premises for up to two children. Premium reductions available Voluntary Excess. Age of policy holder. Burglar alarm. Smoke detector/neighbourhood watch. Main Residence Cross Sell discount (when you have another property insured with Allianz plc through EBS, you will get a discount on your main residence insurance policy). Conor gets wrapped up in his bathtime towel at home in edgeworthstown, 2008

7 Start protecting your home today with EBS Home Insurance With EBS Home Insurance comes peace of mind at a competitive price and the assurance of knowing your claims will be dealt with efficiently and fairly. And, when you need us, we are available 365 days a year, 24 hours a day on our helpline, , where you are guaranteed a free home assist emergency service. Switch your home insurance at any time... Did you know you can switch your home insurance at anytime even before your renewal date? Get a free quote today and you could make more savings. Interested? Get 3 months cover FREE* Why not call us today on or talk to your local office and take advantage of our 3 months free cover for all new policies? To find out more If you d like to find out more about EBS Home Insurance or how you could save money, call into your local EBS office, phone or visit A policy document including the full terms & conditions of EBS Home Insurance is available on request.

8 EBS Building Society is regulated by the Central Bank of Ireland Chief office of EBS: 2 Burlington Road, Dublin 4. Registered No.139 Our images were sent to us from all over Ireland through our EBS Photography Challenge. EBS. Where Family Counts. *The 3 months free EBS Home Insurance cover is only applicable to new policy holders and is applied as 25% off your annual premium for buildings and contents insurance only. If paying monthly, your annual premium (less 25%) will be billed over 9 months. EBS Householder is brought to you by EBS Building Society and underwritten by Allianz plc. Terms and conditions apply. Full policy wording is available on request. EBS Householder is suitable for private dwelling houses of standard construction with a rebuilding cost no more than 1,000,000. Allianz plc is regulated by the Central Bank of Ireland. Information correct as of INS