Insurance for home and home contents and Easy

Insurance for home and home contents and Easy

POHJOLA'S EXTRASURE This product description is valid as of 1 January 2015. Insurance policies online www.op.fi www.pohjola.com www.eurooppalainen.fi At our web service you can buy insurance file a claim make changes to your insurance read and store your insurance policy. Log into the online service at www.op.fior www.pohjola.com with your online banking ID. Centralise and realise the benefits. You only need one user ID and password to use banking and insurance services at op.fi. Insurance premiums for Vehicle Cover and Extrasure may earn you OP bonuses, which you can use for your home, family and vehicle policies, for instance. You can earn considerable banking and insurance discounts. * Group member cooperative bank customer-owners and Helsinki OP Bank customers whose personal or family monthly banking and/or insurance transactions are worth at least 5,000 euros earn OP bonuses. For more information, please go to op.fi/edut. Phone us Banking 0100 0500 Insurance 010 253 1333 Insurance Service Monday to Friday from 9 a.m. to 5 p.m. Claims Settlement Service Monday to Friday from 9 a.m. to 5 p.m. 24-hour emergency phone service for motor and home claims 010 253 0012 Travel Emergency Service 24/7 Eurooppalainen Emergency Service +358 10 253 0011 Eurooppalainen's Emergency Duty Doctors +358 800 9 0707 SOS-International, Copenhagen +45 70 10 5054 Call rates Personal telephone service on 0100 0500: the charge is the same as for normal local calls or as specified in your mobile telephone operator's price list. Automatic telephone service on 0100 0500: from 6.00 a.m. to 6.00 p.m. EUR 0.31/min + local or mobile call charge from 6.00 p.m. to 6.00 a.m. EUR 0.08/min + local or mobile call charge Service number on 010 253 1333: from landlines and mobile phones in Finland, EUR 0.0835 per call plus EUR 0.12 per minute. OP Cash Management service: local or mobile call charge. OP-Pohjola-Group's 010-business number: EUR 0.0835 per call + EUR 0.07/min. All prices quoted include VAT. We record customer calls in order to guarantee secure bank and insurance transactions. CONTENTS MyHome Insurance... 3 You will manage financially even if your house burns down, property in your home is stolen or your cottage is burgled. Easy... 10 If you are aged between 15 and 25, Easy provides financial cover in case of loss or damage caused to your home and your possessions and in case you fall ill or are injured. Liability and legal expenses insurance... 14 You are financially covered if you or your family member is liable to pay compensation to a third party. You get legal assistance if you have a dispute with a third party. Points to note... 15 Extrasure is an insurance contract with individual policies underwritten by Pohjola Insurance Ltd, Eurooppalainen Insurance Company Ltd (travel insurance) and OP Life Assurance Company Ltd (life and disability insurance). This product description contains the main content of the policies and the primary exclusions. The details are found in the terms and conditions, which are applied to claims.

MyHome Insurance Theft, water damage or even minor property damage in your home or holiday home can cause annoyance and trouble. Fortunately, you can insure your home. WHAT DO YOU WANT TO INSURE? WE WILL PAY COMPENSATION ACCORDING TO THE COVER YOU HAVE CHOSEN (SEE P. 5) IF A SUDDEN AND UNFORESEEABLE EVENT CAUSES DAMAGE TO TAKE OUT SEPARATE INSURANCE FOR THESE Flat in a block of flats in a terraced house in a semi-detached house home contents parts of a flat the yard around your home and structures in it that are in your use rowing boat worth more than EUR 1,500, or an outboard motor bigger than 5 hp valuable item, such as fur or instrument that you often take outside your home a detached house a holiday home a residential building home contents soil the following in the yard (for up to EUR 7,000) root cellars, shelters, light structures or buildings of up to 12 m 2 wells including their accessories fixed ordinary structures (such as fence, flagpole, yard light fixture) sauna building outbuilding or structure that is not automatically insured production facility no longer in agricultural use, for example property in the above swimming pool or fountain outside the building rowing boat worth more than EUR 1,500, or an outboard motor bigger than 5 hp valuable item, such as fur or instrument that you often take outside your home 3 Note! A building under construction or renovation may also be insured with MyHome Insurance. Please do not hesitate to contact us for more information. Home contents Home contents are household effects such as furniture, clothes, crockery interior textiles consumer electronics hobby and sports gear jewellery, paintings and other valuables. For home contents, we recommend a maximum compensation per loss based on the floor area of the flat you either rent or own; this amount may be changed. The maximum compensation is based on the the building's net floor area, if you are insuring a detached house, for example. Estimate what you would have to pay for your home contents today if you had to buy them new. You may need a higher euro amount if your home contents are more valuable than ordinary home contents or if you have valuables such as musical instruments, gold or silver articles or jewellery, fur coats, paintings or collections. For home contents, we pay compensation on the basis of the actual loss amount up to the maximum compensation chosen by you. Remember that an age reduction may be made, see p. 8, and the separate deductibles for each cover. When you have insured your home contents, i.e. your home effects, the following objects are always covered, too. MAXIMUM TOTAL INDEMNITY garden tractors and motorised hobby EUR 5,000 vehicles (maximum design speed of 15 km/h Rowing boats EUR 1,500 Outboard motors of a maximum of EUR 1,500 3.7 kw (5 hp) light-built tarpaulin shelters in the place EUR 1,500 of insurance Pets kept in the home EUR 1,500 Tools used in gainful employment EUR 5,000 Cash, other payment instruments and EUR 500 securities MYHOME INSURANCE

4 MYHOME INSURANCE NB Pets, tools in gainful employment, cash, other payment instruments and securities are not included in the contents of a holiday home. Tools used in gainful employment are covered provided that you carry out the work in your capacity of a private individual in private or public employment, or in a private firm. Sales stock is not covered by the insurance. Your garden tractor is insured under MyHome Insurance in case of fire and natural phenomena and also against criminal acts if you have chosen crime cover. We do not compensate if it is broken. Home contents in storage or outside the home As a rule, we pay compensation up to a total of 5,000 euros when compensable damage is caused to home effects that you have temporarily moved from your insured home or holiday home in the Nordic countries. We will, however, compensate up to EUR 1,000 if your property is stolen from, for example, your car, trailer, boat or tent that is in the yard of your home, workplace, place of study or holiday home or a straight-line distance of 50 km from them. Parts of a flat We recommend that in addition to insuring home effects when you live in a block of flats, a terraced houses or a semi-detached house, you also take out insurance for parts of your flat, such as: Fixed interior decoration and coverings parquet, tiling, wallpaper panelling venetian blinds kitchen and bathroom cabinets and wardrobes Fixed machinery, furniture and equipment dishwasher refrigerator air source heat pumps bathtubs, toilets boilers stoves, sauna stoves, electric ovens, refrigeration device powered roof ventilators floor heating break-in protection equipment satellite dishes and other antennae Constructions extra rooms built in attics balcony glazing, external awnings skylights solar panels lighting systems fireplaces or baking ovens internal and external doors Insure parts of the flat which you have yourself installed, built or had built or the maintenance of which has been made your responsibility under the Finnish Housing Companies' Act the Articles of Association Annual General Meeting decision. You move into a flat which you have bought and have all the surface coverings renovated, the bathroom rebuilt and balcony glazing put in. You choose materials of a higher quality than in the other flats in the building. You build a new room in the attic and put in an air source heat pump. You can take out insurance for all these parts of a rented or owner-occupied flat using the maximum indemnity. We will propose a maximum compensation per loss for the parts of your flat which you can change later, should you wish to do so. We make our proposal based on the floor area. Assess whether what we are proposing is sufficient: What parts of the flat did you or the person living there before you have refurbished or rebuilt to a higher standard than elsewhere in the building? How much would it cost to renew those parts of the flat including costs of materials and labour, if they were damaged? For parts of a flat, we pay compensation on the basis of loss amount up to the maximum compensation chosen by you. Remember that an age reduction may be made, see p. 8, and note the separate deductibles for each cover. Valuables insurance Valuables insurance provides cover to property you take outside your home, such as valuable jewellery, camera, fur, instrument or hobby gear. Valuables insurance covers sudden and unforeseeable damage. Please contact us for more information. Small boat insurance Rowing boat and outboard motors of max. 5 hp are included in the insurance when you insure your home contents. You will need small boat insurance for boats worth more than 1,500 euros and outboard motors of 6 20 hp. Choose Boat Insurance to insure a larger boat with a motor that is bigger than 20 hp. Please do not hesitate to contact us for more information.

MyHome Insurance coverage CRIME COVER EQUIPMENT BREAKAGE COVER PIPELINE LEAKAGE COVER BREAKAGE AND LOSS COVER FIRE AND NATURAL PHENOMENA Cover for fire and natural phenomenon is always included in MyHome insurance. The other types of cover can be added if necessary. MyHome Insurance indemnifies property damage caused by an event defined below, provided the event was sudden and unforeseeable. Any cover under which compensation is sought must be valid at the time of the accident. We will pay compensation for fire and natural phenomena damage caused by fire, soot or explosion heavy rain storm heavy hailstorm lightning or whirlwind exceptional freshwater or saltwater flooding We consider it an exceptional flood when a storm wind raises the water level or if the water rises to a level that is only likely to occur once every 50 years or more. For example, a river that overflows every spring is not exceptional. During heavy rain, water flowed into the cellar of a detached house, because the drainage wells did not drain away the water fast enough. The house was built according to building regulations. We will indemnify the water damage to the building under the cover for natural phenomena. Under crime cover we indemnify losses caused by theft robbery burglary vandalism We also provide coverage if garden furniture, a pram, outdoor grill or a locked garden tractor, bicycle or rowing boat kept outdoors is stolen. Under equipment breakage cover, we pay compensation if pipes or electrical wires break or if a machine or a piece of technical equipment, for example an air source heat pump or a boiler, in your house breaks or if household machines break without any external reason due to an electrical phenomenon or a mechanical reason. A three-year-old washing machine suddenly stops working in the middle of a wash programme because of a short circuit. The machine is no longer under warranty. The washing machine is indemnified under the equipment breakage cover. See age reduction on p. 8. Under pipeline leakage cover, we pay compensation when a building's fixed pipework or a household machine installed in the house breaks and causes water damage, for example to the parquet floor and furniture. A washing machine breaks in a block of flats and water leaks onto the parquet, which is damaged. If the parts of the flat are insured, parquet damage is indemnified under pipeline leakage cover. Under breakage and loss cover, we pay compensation when your property is damaged as a result of an external event, or you lose the property. For example, if a television falls when being moved or a paint pot falls and paint is splashed on a brick wall. Under this cover, the insurance will never cover any damage or loss covered by any of the other types of cover mentioned above. Deductible You determine the deductible for each type of cover you choose. The deductible is the euro amount you have to pay yourself in the event of loss or damage. We pay the rest of the coverable costs after any age reductions (see p. 8). The lowest deductible is 150 euros per cover. The higher the deductible, the lower the insurance premium. We recommend that you choose a 150 deductible for cover for fire and natural phenomena and crime cover: you do not have to pay the deductible if you are a Pohjola loyal customer and an OP bonus customer and if the amount to be compensated for fire, natural phenomenon or crime exceeds 150. We do not subtract any deductible when a fire extinguishing or leakage alarm system has restricted or mitigated damage or loss caused by a fire or leak when a burglar alarm was set off appropriately in a burglary when the dwelling or building was broken into through a door secured with a safety lock in connection with certain age and leakage reductions, see pp. 8 9. 5 MYHOME INSURANCE

6 MYHOME INSURANCE MyHome Insurance does not compensate if your roof is leaking. We compensate if a storm wind or falling tree breaks the roof and causes it to leak. design, foundation, installation and construction errors or damage caused by these if liquid leaks through moisture insulation in the structures or through the joint of pipes and structures, or when the loss is caused by an unapproved connection. damage caused by rising damp. You can receive compensation from the builder within the guarantee period in case of a construction defect. loss of or damage to an object caused by wear and tear, rusting or other equivalent gradual phenomenon. You may receive compensation from the vendor in case of manufacturing faults. if something kept outdoors, such as laundry, is stolen. We compensate if garden furniture, a barbecue or a pram is stolen. loss or damage caused to computer hardware or software by viruses. We compensate if your computer falls by accident. if your sports gear is broken when it is being used. We compensate if hobby gear is broken through third-party negligence. if a dog scratches a sofa or bites a pair of shoes. We compensate if your dog accidentally knocks your TV set on the floor. if saltwater or a freshwater flood causes damage and the building was built without permission or not in conformance with a permit. We compensate exceptional damage if a building has been built in conformance with the permit and has no construction faults. loss or damage caused by the weight or movement of ice or snow loss or damage caused by property disappearing or being left behind. loss or damage cause by insects, rats, mice, squirrels, moles, hares or rabbits loss of or damage to horticultural, agricultural or forestry products or garden plants caused by natural conditions. Property not covered under MyHome Insurance The following, for example, are never covered the property's French drain jetties, shoreline constructions and structures computer files and programs with the exception of freely obtainable software packages manuscripts, dissertations and theses vehicle parts, accessories and equipment motor vehicles and trailers in use which as a rule are insured under Pohjola's Motor Vehicle Cover. For further information on motor vehicle insurance, please contact us. What data is required for MyHome Insurance? The premium for the insurance is based on the choices you make and the data you provide. Your choices: What types of cover and what deductibles do you choose? P. 5. What maximum compensation amount do you choose for your home contents and parts of your flat? P. 4. Do you use Pohjola as your main bank and insurer? With OP bonuses, your insurance bills may be reduced to nothing. In how many instalments should you pay your insurance premium? If you pay your premium in one instalment, you will receive a 2.5% discount. General data: address of the object to be insured and year of construction policyholder's year of birth purpose of use, e.g. for use as a private dwelling for yourself or for letting Data needed about dwellings in blocks of flats, terraced houses and semi-detached houses. Floor area according to the Articles of Association? The price also changes annually when a factor that affects the price changes, for example, a building ages. We also review the premium levels annually on the basis of the change in claims expenditure. The information concerning the insurance must be correct, because if it turns out later that the information you have given, for example the floor area, is incorrect or incomplete, the indemnity may be reduced or denied altogether, or your insurance contract may even be cancelled.

Data needed about dwellings, holiday homes, utility and sauna buildings: What is the total floor area of the building? (see the drawing) Of what type is the building s frame structure? Direct electric heating or water-circulation heating? When was the service water pipework and heating pipe network installed? This also affects the amount of compensation. Pages 8 9. Is the building connected to the electricity grid? How is the total floor area of a building calculated? The building s total floor area is the sum of each storey s floor area, calculated with the exterior dimensions. All unheated are as with additional structures are also included. If the buil ding has low-ceiling rooms or lofts, only the parts where the ceiling is at the height of more than 160 cm are included. Open porches, outdoor balconies, terraces, carports and other open spaces in connection with the building are not included. Of what type is the building s frame structure? The frame structure is determined by what structure is the most prominent above ground level. For example, if the foundation and the first storey are made of wall blocks but the next storey on top is made of timber, it means that the frame structure is wood. Other frame structures are for example stone and steel. Remember to update the information you have given If there are any changes, notify us, for example when you are building an extension, putting in new pipes or making major investments in your house. Your compensation may be lower if the information you have provided, such as the surface area, is incorrect or incomplete. Look after your property Safety regulations included in the insurance terms and conditions tell you how to act in order to prevent or reduce loss or damage, If you failed to follow safety regulations and this contributed to the loss or damage, the compensation may be reduced or not be paid at all. The insurance terms and conditions contain the safety regulations in full. This is a summary of them. How to prevent fires Make sure that the fire alarms are working on each floor of the building and that you have the number of alarms required by official regulations. Have a chimney sweep come round once a year to sweep the fireplaces and flues. Switch off domestic appliances after use. Place any candles and outdoor candles on a non-flammable base and keep them under supervision. Keep ashes from a fireplace in a non-combustible lidded container until they have fully cooled. Remember that clothes must not be dried near a sauna stove. How to prevent theft and burglary Lock the doors, windows and hatches of all buildings and storage rooms. Do not hide keys to your home or storage space in their vicinity. Change or re-key the lock if there is reason to believe that the key is held by an unauthorised person. Always keep an eye on property you are carrying with you. Carry your cash, securities and valuables as hand luggage. Do not leave cash, payment instruments or securities in a hotel room. Lock the boot or pannier of your motor vehicle and the storage space in your trailer or outside your boat and make sure they cannot be unfastened without using tools. Lock your trailer with a device which prevents it from being coupled to a drawing vehicle or in such a way that it is clearly difficult to move. Do not leave any of your property in a tent without supervision. How to prevent leakage and flood damage When using a shower, make sure that the water flows properly and that there are no sewer blockages. Make sure that your washing machine always is connected to the water mains by an individual cut-off valve and pressure-proof filling hose. Keep an eye on the washing machine when it is in use and check that there are no leaking joints. Close the cut-off valve once the wash programme is finished. The dishwasher must have a safety tray under it. Turn off the water pump and close the main valve if the building is left without supervision for over a week. If you have no heating on during the winter, run all the water out of the pipes and any related equipment. Oil tanks and related oil pipes must be checked every tenth year. Steel tanks must be checked after their tenth year of use and every fifth year from then on. Make sure the property s ditches and French drains as well as the building s sewage system are kept operational. 7 MYHOME INSURANCE

8 Pohjola's Home Safety Service When you insure your home or holiday home with Pohjola, you can also include Pohjola's Home Safety Service, which is an easy, inexpensive and comprehensive alarm system and security service. Home Safety Service covers your home against theft, fire and sudden water damage. Should a loss occur, MyHome Insurance's deductible will not be charged if the service has been appropriately in place. The Home Safety Service has been tailored and priced for OP-Pohjola Group's home insurance customers. The service is provided by G4S, one of the world's leading providers of safety solutions. For additional information, go to op.fi/kotiturva. In case of loss or damage Fill in a loss report by logging into pohjola.fi using your bank identifiers. Do not clear up after the damage or dispose of any damaged objects. We can usually find a repairer for your property or a place where equivalent property can be bought. Your compensation will be what your property was worth just before the loss. When a damaged object or, for example, a building is replaced by a new, similar one put in the same place and intended for the same use, we say that compensation is based on the replacement value of the object in question. The value of an object, however, may have reduced to less than 50 per cent of an equivalent new one owing to, for example, age, use and suitability for its intended purpose. If this is the case, we will compensate according to its current value. Age reduction in case of home contents compensation A TV bought in early 2012 is broken beyond repair in February 2015. The price of an equivalent new television is EUR 700. You buy a new TV. The deductible you have chosen for the breakage and loss cover is EUR 150. The compensation paid is 410, calculated as follows: 700 ( 700 x 10% x 2 yrs) 150. Age reduction in case of machine, equipment or pipe breakage in a building or a flat PROPERTY AGE REDUCTION Tanks, waste water, rainwater, supply water and heating pipes of the building, other than those located in the ground slab 3% Copper and plastic pipes in the ground slab and underground 3% Other pipes in the ground slab and underground 6% Swimming pool equipment, burglar alarm equipment, frameworks and operation mechanisms of external awnings 10% Stoves, range hoods, refrigerators, dishwashers and sauna stoves 10% Central-heating equipment, heat exchangers and conveyors, boilers with tanks, tanks underground or in the ground slab, adjustment and control equipment, heating cables, electric radiators, air-conditioning and refrigeration equipment and electric motors and other equipment 6% Replacement value age reduction = Compensation to you. MYHOME INSURANCE PROPERTY AGE REDUCTION Home appliances 10% Digital cameras 20% Other electronic appliances and optical instruments 10% Bicycles, motor tools and machinery and outboard motors 10% IT equipment (computers), mobile phones with accessories and other data terminal equipment 25% Spectacles, clothes, accessories, footwear, sports equipment and sports gear 25% Replacement value age reduction deductible = Compensation to you The age reduction percentage is computed by multiplying the percentage in the above table by the number of full calendar years following the year the object was first used. The maximum age reduction is 70 %. Age reduction is not applied to the costs for repairing an object, but the compensation cannot exceed the remaining value following an age reduction. The age reduction percentage is computed by multiplying the percentage in the above table by the number of full calendar years following the year the machine/equipment/pipes were first used. If we apply the age reduction, we do not charge the deductible unless for property printed in italics in the table. However, the age reduction is at least equal to the deductible amount. Age reductions are also made on costs of exposing and resealing structures of a building costs of excavating and filling. Age reductions are not made on fire damage costs arising from locating faults and damage electric cables. Leakage reduction A leakage reduction is made when a leaking service water pipework or a heating pipework causes damage to a building. A leakage reduction is made, for example, on the costs of pulling down, repairing and drying the structures of a damaged building.

Leakage reductions made in case of loss or damage compensated under the pipeline leakage cover AGE OF PIPES LEAKAGE REDUCTION OF THE LOSS AMOUNT 34 years 0% 35-49 years 30% 50 years 60% The age of the pipes is calculated as the number of full calendar years following the year the pipes was installed. Repair costs leakage reduction = Compensation to you. NB No deductible is subtracted following a leakage reduction. The leakage reduction is, however, at least equal to the deductible you have chosen for the pipeline leakage cover. If you receive compensation under more than one insurance, for example equipment breakage cover for pipeline breakage, and pipeline leakage cover for building repairs, we only subtract one deductible, the highest one involved. A copper pipe that is part of the building's water supply system in the ground slab has leaked and the water has damaged the building. The costs for repairing the pipe totalled 1,700, while the damage caused to the building by the leakage including drying costs were 5,000. The loss totals 6,700. The pipe is compensated under equipment breakage cover, and the damage cause to the building by the leakage under pipeline leakage cover. The deductible chosen for both covers is 300. Example 1: The water supply pipes were installed in 2005 and the damage is detected in 2015. We will subtract an age reduction based on the pipes' age for the pipework costs. The compensation paid under equipment breakage cover is 1,410, calculated as follows: 1,700 ( 1,700 x 3% x 9 yrs). No deductible is subtracted, but the age reduction is at least equal to the deductible you have chosen for the equipment breakage cover. No leakage reduction is made from the repair and drying costs for the building, because the age of the water supply system is less than 34 years. There is no deductible in this case, because an age reduction has already been made under the equipment breakage insurance. The compensation paid under the pipeline leakage cover is 5,000. We will 6,241 for a loss that totals 6,700. Example 2: The water supply pipes were installed in 1973. Because the age reduction exceeds 100% (3 x 41 yrs), we will not pay any compensation under the equipment breakage cover. You will receive 3,500 = 5,000 ( 5,000 x 30%) in compensation under the pipeline leakage cover. For the damage, which totals 6,700, you will receive 3,500 in compensation. What if a fire destroys a building? No age reductions are made in the case of fire damage to buildings. The amount of indemnity is determined in accordance with the above-mentioned regulations concerning the replacement value and the current value. Example of compensation calculation on the basis of current value Your house is destroyed in part in a fire. replacement value 100,000 current value 40,000 repair costs 15,000 deductible for fire and natural phenomena cover 1,000 You decide to repair the building. You will receive 15,000 in compensation, from which we will subtract the deductible for the cover for fire and natural phenomena. You do not repair the building. We will compensate a sum of the current value that is the same percentage that was damaged, that is, 14% ( 15,000 deductible 1,000) / 100,000. You will receive a compensation of 5,600 (14% x 40,000). The building is completely destroyed. You will receive 40,000 in compensation based on the current value of the building, because its value has decreased by over 50% of the replacement value. Example of compensation calculation on the basis of replacement value Your house is destroyed in part in a fire. replacement value 100,000 current value 80,000 repair costs 15,000 deductible for fire and natural phenomena cover 1,000 You decide to repair the building. You will receive 15,000 in compensation, from which we will subtract the deductible for the cover for fire and natural phenomena. You do not repair the building. We will compensate a sum of the current value that is the same percentage that was damaged, that is, 14% ( 15,000 deductible 1,000) / 100,000 x 80,000 = 11,200. The building is complete destroyed and you are going to build a new one. We compensate the building's replacement value, that is, 100,000 less the deductible. Additional housing costs We compensate reasonable additional housing costs that have been agreed upon in advance (but no meal expenses) for up to 10% of the property's maximum compensation per month and for a maximum of 6 months if you have to move out for a while owing to a coverable loss. 9 MYHOME INSURANCE

Easy for 15 25-year-olds Easy provides financial cover in case of loss or damage caused to your home and your possessions and in case you fall ill or are injured. We offer the Easy package to customers aged between 15 and 25. Once you have turned 28, the Easy package benefits will end but the policies included in it remain in force. When this happens, we will let you know how your insurance coverage changes and what things you should check. Extrasure terms and conditions are applied to the Easy package (Easy and insurance no longer sold) as of 1 January 2015, to which the insurance cover in the table below is applied. The insured is always the person entered in the insurance policy, although in this product description we describe the policies as if you were the insured person. What does Easy include? EASY PROVIDES COVER MAXIMUM COMPENSATION, SUM INSURED DEDUCTIBLE NAME OF INSURANCE to property you own in case of a sudden and unforeseeable loss or damage 6,000 when you are living with your parents 20,000 when you live in your own home 100 100 Extended home insurance 10 when you are legally liable to compensate a third party for damage or loss that you have caused legal expenses if you have to defend your rights in court 85,000 100 Liability Insurance and Travel Liability Insurance 10,000 15 %, min. EUR 200 Legal Expenses Insurance and Legal Expenses Travel Insurance when you fall, slip, fall down and hurt yourself for example, when you fall ill or fall over, fall and hurt yourself when travelling 8,500 treatment expenses/loss 30,000 handicap benefit 5,000 death benefit No upper limit in compensation 30,000 handicap benefit 5,000 death benefit - Accident Insurance - Traveller s insurance EASY FOR 15 25-YEAR-OLDS for example, when your luggage is stolen abroad 850 - Luggage insurance NB Compensation is always based on the actual amount of loss or damage. Sum insured means that maximum amount of compensation you may receive. A deductible is the amount you pay if a loss occurs. In property damage, we subtract an additional amount from the compensation on the basis of the age of the damaged item (see p. 8). Cover for your property The Easy package includes extended home insurance for your home contents. Home contents refer to household effects in a residence and the related storage space either owned by or borrowed by yourself, your spouse or children. These include furniture, clothes, home appliances, hobby and sports gear and valuables. HOME CONTENTS ALSO INCLUDE MAXIMUM TOTAL, Cash, other payment instruments and securities 500 Pets kept in the home 1,200 Rowing boats 1,200 Outboard motors of a maximum of 3.7 kw (5 hp) 1,200 Tools used in gainful employment 3,400 Floor, wall and ceiling coverings, balcony glazing, parts of real estate for the maintenance of which the owner (shareholder) of a flat is responsible 3,400

Home contents temporarily moved elsewhere are insured within the Nordic countries for up to 3,400 euros. Property stolen from your vehicle or trailer or equivalent is compensated for up to 1,000 euros if you are with 50 km as the crow flies of your home, holiday home, workplace or study place. When you move from one permanent home to a new one, your moveable property will be insured for 2 months outside your home in Finland. When you move home, contact us and give us your new address and the details of your new house or flat. EXTENDED HOME INSURANCE COVERS direct property damage caused by sudden and unforeseeable events. It covers damage if, for example, your property burns, becomes sooty or is struck by lightning. is stolen or subject to burglary or vandalism. is damaged owing to exceptionally high water levels. You are moving your TV set from one room to another. You fall over, dropping the set and breaking it. This is a sudden and unforeseeable loss that is covered by extended home insurance. NB See on page 5 what we mean by exceptional flooding. NB See on pages 8 9 how damage is compensated. EXTENDED HOME INSURANCE DOES NOT COMPENSATE, FOR EXAMPLE, IF damage has been caused deliberately. when an item wears, rots, deteriorates, corrodes, moulds etc. an item has been used incorrectly. if a loss or damage is indemnified under guarantee, legislation, or other agreement. property disappears or is left behind. caused by sports equipment or sports gear breaking when used for its intended purpose. loss or damage caused by a pet through chewing, tearing or scratching. it is caused to computer hardware or software by viruses. You realise on your way home that you have forgotten your camera at a café. You go back but your camera is no longer there. This is not covered by the insurance, because the camera was left behind. 11 If you are held liable for compensation The liability insurance included in the Easy package compensates if you are legally liable to a third party, for example if you are cycling and hit a parked vehicle. For more details on what liability insurance covers, see page 14. Legal expenses insurance provides financial support in court cases in which you may be involved through no fault of your own. We recommend that you keep this insurance in force continuously. The liability and legal expenses policies cover your married or common-law spouse and your children who live permanently in the same household with you. If you live with your parents, their equivalent insurance policies will usually provide a corresponding cover. Cover for accidents An accident is defined as a sudden, external occurrence that causes bodily injury and is unintended by the insured, such as falling over or slipping. Accident insurance also covers strain injuries of muscles and ligaments immediately caused by a sudden, particular and singular exertion and movement, for which medical treatment is given within 14 days. The following are also considered accidents: unintentional drowning, heatstroke, sunstroke, frostbite, injury caused by considerable variation in atmospheric pressure, gas poisoning, and poisoning caused by a substance taken inadvertently. Should you be injured in an accident, we will help you choose a medical centre, hospital or nursing institution where you can get the appropriate care and assist you in all matters related to your accident. NB If you train, do sports or compete in a sports club, ask for sports extensions or Sports Cover. Accident insurance will be enough for you if you just keep fit and do not go in for combat, contact or self-defence sports, strength sport, body building, aviation, climbing, scuba diving or free diving, freestyle skiing, speed and downhill skiing and skimbat or kite surfing. From your accident insurance we will compensate the following which have been caused by an accident and which you have paid: examination and treatment expenses, pharmaceutical costs, daily hospital charges reasonable travel expenses to a local doctor, dentist or hospital/clinic we have referred you to expenses for physical therapy covering one period of up to 10 sessions after surgical operation or plaster treatment expenses for rehabilitation provided in a hospital travel expenses when an under-20-year-old insured person must under doctor's orders go to school using means of transport that causes extra expenses acquisition costs when spectacles or a safety helmet that have been worn are broken in an accident medical treatment expenses for up to 6 weeks when a sudden, particular and singular exertion or movement immediately causes a strain injury in a muscle or ligament. Medical treatment must be provided within 14 days of the event. Costs for magnetic resonance imaging or surgery will not be compensated under this insurance. We do not compensate, for example, bandages, dressings and other aids; treatment of dependency to a drug, alcohol, medication or other substance; or expenses arising from abuse of medicine or use of alcohol or drug. We also require that such expenses are prescribed by a physician and that the examination or treatment procedures are in accordance with generally accepted medical practice. EASY FOR 15 25-YEAR-OLDS

12 EASY FOR 15 25-YEAR-OLDS No compensation is paid from accident insurance for accidents covered under traveller's insurance. Handicap benefit is paid to the insured for a permanent physical handicap caused by an accident. The benefit for full handicap (handicap class 20) is the full sum insured, and for partial handicap a corresponding proportion of it. The Ministry of Social Affairs and Health's handicap classification (1-20) is based solely on the nature of the handicap, Occupation, hobbies or any other individual circumstances are not taken into account. Permanent disability is determined three months after the accident at the earliest, and three years after the accident at the latest. Death benefit is paid if you die of the injuries sustained in an accident within 3 years of the accident. Travel insurance Traveller's and luggage insurance policies are valid during travel throughout the world and also within Finland. The policies are valid for up to 3 months from the beginning of the journey even if the journey continues for longer. The policies are not valid in a high-risk area, that is, a country or area to which the Ministry for Foreign Affairs of Finland recommends avoiding travelling or which the Ministry recommends leaving. For an up-to-date list of high-risk areas, go to op.fi > Insurance > Private Customers > Insurance > List of high-risk areas or OP-mobile. NB Your factual and permanent home municipality and residence must be in Finland at the time of the accident to be entitled to compensation. Contact us if you move abroad or if your domicile changes from Finland to abroad. If you journey takes more than 3 months, you can extend your traveller's insurance in the Easy package. Do not hesitate to contact us. NB A journey abroad or time spent abroad is not considered to have been interrupted if you return to Finland for less than 30 days provided the journey you are returning from has taken without interruption for over 3 months and you intend to return to the same destination. Any illnesses that began or any accidents that occurred while in Finland will not be compensated under Traveller s Insurance. Remember to take out travel insurance before your journey. Traveller s insurance Easy's traveller's insurance will provide you will cover for travel illnesses and travel accidents. It also provides cover for expenses related to travel cancellation, travel interruption and delayed or missed departure. The insurance also provides cover for any family members under 15 years of age. A child's sum insured is EUR 8,500 in terms of handicap benefit and EUR 1,700 in terms of death benefit. NB If you do competitive sports or go in for a sport or activity listed in the insurance terms and conditions, ask for a sports extension or sports cover. Traveller's insurance will be enough for you if you just keep fit and do not go in for combat, contact or self-defence sports, strength sport, body building, aviation, climbing, scuba diving or free diving, freestyle skiing, speed and downhill skiing and skimbat or kite surfing. Treatment expenses incurred due to a travel illness are covered for a maximum of 120 days from the onset of treatment. Treatment expenses incurred due to a travel accident are covered for a maximum of three years after the accident. If you have a travel illness or travel accident, we compensate examinations performed and treatment given by a doctor or other healthcare professional pharmaceutical products and wound dressings sold at pharmacies daily hospital charges reasonable travel expenses to a local doctor or hospital treatment of dental injury caused by travel accident treatment of acute toothache that began or dental injury caused by biting on a tooth or dentures that occurred during the journey, for up to 120 costs of repairing or replacing glasses, a hearing aid, dentures or a safety helmet in use and broken when a travel accident occurred necessary telephone calls for up to 170 during the trip and related to hospital treatment the travel and accommodation expenses at the destination for one close relative if your condition is life-threatening. This must be approved by us in advance. repatriation to Finland and travel and accommodation expenses for an escort where necessary. This must be approved by us in advance. necessary physical therapy covering one period of max. 10 sessions after surgical operation or plaster treatment emergency first aid at the destination for up to a week since such aid was started provided an existing illness gets suddenly worse and the deterioration was not medically predictable before the trip. We do not compensate, for example, bandages, dressings and other aids; treatment of dependency to a drug, alcohol, medication or other substance; or expenses arising from abuse of medicine or use of alcohol or drug. We also require that such expenses are prescribed by a physician and that the examination or treatment procedures are in accordance with generally accepted medical practice. We compensate travel interruption or cancellation if your journey is interrupted or if a journey beginning in Finland is cancelled because you, your spouse or common-law spouse, your or your spouse's child or grandchild, your parents, grandparents or parents-in-law, your or your spouse's siblings, daughter- or son-inlaw, or the companion with whom you have jointly reserved a journey suddenly falls seriously ill or is seriously injured in an accident or dies. The compelling nature of the reason is assessed on medical grounds by a doctor. We also compensate for the cancellation or interruption or your trip if, for example, there is major damage to your home. If a journey is cancelled, the tour operator is the primary source of compensation, while we compensate office expenses for a package tour organised in accordance with the Package Travel Act up to 75% of the tour price provided the tour was arranged in compliance with the special terms and conditions referred to in the general terms and conditions for package tours unused travel service paid in advance, such as day trip, up to 1,000/tour/insured person.

The reason for the cancellation must become apparent after you have reserved/paid for the journey and taken out the policy. Fear or phobia that an insured person may suffer is not regarded as an eligible reason for cancellation, nor is sudden illness caused by the abuse of medicine or alcohol or the use of other intoxicants. Where a journey is interrupted, we compensate extra travel and accommodation costs and necessary new one-way trip to your place of work or study 43/lost travel day. If you lose over half of your travel days, you get a new package tour. a new journey if your spouse or child who is under 15 years of age loses over half of his/her travel days unused travel service paid in advance, such as day trip, up to 1,700. We compensate extra travel and accommodation costs owing to missed departure or the price of the journey if you fail to arrive at the departure point for a flight or a boat, train or bus journey to a foreign destination or the departure point for a connecting flight to a foreign destination because a public conveyance on which you intended to travel, or on which you were travelling, to the above departure point is delayed due to weather, natural catastrophe, technical malfunction, a criminal act or action by an authority, or the vehicle used by you is involved in a road accident or develops a technical malfunction. The maximum compensation is a total of 2,000. If your departure is delayed, we compensate 34 per 6 hours of waiting for up to 340 when a means of public transport you are using for your departure or arrival is delayed by 6 hours for any of the same reasons that are described in connection with missed departures. That is, coverable waiting period begins once you have first waited for 6 hours. As handicap benefit under traveller's insurance you will receive a lump-sum compensation in proportion to the disability, but no more than than sum insured, when an accident that occurred during the journey leads to permanent physical disability. The death benefit under you traveller's insurance, that is, the sum insured, will be paid to the beneficiary you have named, if you should die as a result of an accident that occurred during a journey. Luggage, travel liability and legal expenses travel insurance Luggage comprises personal effects carried during a journey such as clothes, mobile phone, camera, glasses and laptops, and it also includes passports, travel tickets and cash. Motorised vehicles, tools used in gainful employment, merchandise, drawings and manuscripts are not considered luggage. Luggage insurance compensates when you luggage is damaged suddenly and unforeseeably due to an external event. If your luggage is stolen or it is damaged, we subtract no deductible, only any age reduction that may apply, see page 8. You will receive compensation depending on the loss, but no more than the sum insured. The insurance covers any loss arising from luggage disappearing or being left behind up to 120, provided that the loss was noticed at the place where it occurred. Money and valuables are compensated up to 85, when you carry it on your person, and up to 500 when locked inside a safe-deposit box. The insurance covers expenses incurred from acquiring necessities when luggage handed in for transportation has been delayed by at least two hours after you have reached the destination of your outward trip. These expenses will be covered up to a maximum of EUR 85 per day or part thereof and to a maximum total of EUR 340 per person insured. We compensate up to EUR 170 for any stolen travel ticket, visa or passport. We do not compensate, for example, if sports equipment is broken when it is being used or if valuables are stolen from, for example, a car, tent or boat. Luggage insurance always includes travel liability and legal expenses travel insurance that are valid throughout the world. Travel liability insurance provides cover if you are liable to pay compensation to a third party for property damage or personal injury you have caused. Legal expenses travel insurance covers legal expenses incurred by the insured as a result of resorting to legal counsel in civil and criminal cases in his capacity as a private person or traveller. Those insured in both policies are the policyholder and the persons residing permanently in the same household as the policyholder. The content of these policies is otherwise the same as in family liability and legal expenses insurance policies, see page 14. In case of loss or damage Fill in a loss report by logging into op.fi or pohjola.com using your bank identifiers. 13 EASY FOR 15 25-YEAR-OLDS

Family liability and legal expenses insurance You may inadvertently cause another person a loss for which you are liable. You may also need legal aid if you find yourself in a situation when a court case is the only way to look after your interests. Unless you have agreed otherwise with us, Family liability insurance and Family legal expenses insurance also enter into effect when you insure your home contents by taking out a MyHome insurance policy or an Easy insurance package. Travel liability and travel legal expenses insurance enter into effect when you take out an insurance policy for your luggage. Do not hesitate to ask for more information. Family liability and legal expenses insurance policies are valid in the Nordic countries. The policies cease to be valid when the Home and home contents insurance terminates. If you have taken out forest insurance with us, liability and legal expenses insurance related to your forest property are also included. Those insured are the policyholder and the persons residing permanently in the same household with the policyholder. Legal expenses insurance We will compensate legal expenses you have incurred as a result of resorting to legal counsel in a disputed civil case, criminal case or non-contentious civil case concerning your private life. An insurance event is a dispute or charges that have been raised during the validity of the policy. If the insurance has been valid for less than 2 years at the time, the matters on which the dispute is based or the charges that were raised must also have arisen during the validity of the insurance. By coverable dispute we mean that you or your opposing party dispute each other s claims in terms of grounds or amount. Inform us without delay in writing if you are in a situation like this. NB Make sure that your legal expenses insurance remains valid without interruption if you make changes to your home insurance or change insurance companies. 14 LIABILITY AND LEGAL XXX EXPENSES INSURANCE Liability insurance SUM INSURED, Family Liability Insurance 170,000 (Easy 85,000) Family legal expenses insurance 10,000 DEDUCTIBLE 150 (Easy 100) 15%, a minimum of 200 We will compensate losses or injuries you or your family member causes to other people or their property. Compensation can only be paid if your are by law liable to compensate and you did not cause the loss deliberately or through gross negligence. We will also compensate for damage caused by your child who is under 12 years of age even if the damage was caused deliberately. We will find out whether you are liable to pay compensation. Leave it to us to take care of right away instead of going ahead on your own. We may compensate, for example a valuable glass object that you drop in a shop if your child scratches your neighbour's parked car with his bicycle if your child drops a neighbour s computer by accident medical expenses if your dog bites a passer-by medical treatment expenses if a passer-by slips on the pavement of a house you have insured. Liability insurance does not cover everything, however. We provide no compensation for loss or damage that was caused wilfully or through gross negligence that is caused to yourself or your family member that you or your family member causes to an item or vehicle borrowed from someone outside your family that was caused in the course of professional, business or wage-earning activity that was caused with a motor vehicle in traffic that was caused with a boat subject to registration or a sailing boat over 6 metres long, unless you have boat insurance. You bought a detached house on 5 June 2014. You did not take out insurance until 12 June for the house and home contents with MyHome Insurance, which includes legal expenses insurance. Your previous home's home insurance and the legal expenses insurance included in it expired on 5 June 2014. You detected mould damage in the summer of 2015 and demanded a reduced price from the seller, who refused. Although the legal expenses insurance was valid when the dispute arose, the insurance is not available to you, because it had not been valid for 2 years and the grounds for the dispute (that is, the sale) arose before the policy's inception. Compensation in criminal cases requires that charges have been raised and that you are the complainant. We will also compensate your legal defence expenses if someone as a complainant makes charges against you but the public prosecutor is not demanding punishment for the same act. Loss events covered under the insurance have been defined in detail in the insurance terms and conditions. Legal expenses insurance does not cover everything. We do not compensate expenses, for example, in matters that are related to business or gainful employment, work or official post or other main or ancillary wage-earning activity of the insured concern a divorce or the cancellation of a registered partnership, or property disputes or other claims connected with a divorce or separation are related to the custody or habitation of a child, or maintenance liability or parental access involve you or your family member as the owner, keeper or driver of a motor vehicle or watercraft subject to registration are related to real estate, a building, or an apartment which is other than your permanent home or holiday home involve you or your family member being charged by the public prosecutor In addition to the above, we do not compensate, apart from a few exceptions, any legal expenses you have been ordered to pay or which have agreed to pay.

Points to note General cover restrictions and exclusions We do not cover any loss or damage caused wilfully or through gross negligence. Moreover, the insurance policies do not cover nuclear accidents or loss or damage indemnified under a specific guarantee, law or other agreement. Inception and termination of insurance and the minimum payment Your policy will come into force as soon as we have received your insurance application. If you wish, you may choose a later date of commencement. If the policy cannot be granted, we are not responsible for any damage. The insurance will remain effective for an agreed fixed period or until further notice but you may give notice of termination of the insurance any time. NB During the insurance period, we may charge an insurance-based minimum premium. If the bill for the premium is not paid by the due date, we can terminate your insurance contract with two weeks' notice. We also charge penalty interest and collection costs. The insurance can also be terminated if the policyholder or the insured has provided incorrect information failed to observe the safety regulations caused loss or damage wilfully or through gross negligence increased the risk of loss or damage, for example by giving property to the use of a third party. The policy may be changed annually We have the right to alter the insurance terms and conditions, and premiums and other terms of contract at the end of your insurance period on the basis of new or amended legislation or a regulation issued by the authorities unforeseen change in circumstances, such as an international crisis a change in the claims expenditure for the insurance a change in interest rates concerning life insurance. We may also make minor changes to the insurance terms and conditions and other terms of contract provided that the changes do not affect the primary content of the insurance contract. How to claim indemnity A claim for compensation must be made within 12 months from the date when you became aware of the insurance and received information about the loss or damage and its consequences and, at the latest, within 10 years of the occurrence of the loss or damage or, in the case of insurance taken out against bodily injury or liability for damages, the damaging consequences were caused. For advice concerning compensation and insurance policies, please contact the Finnish Financial Ombudsman Bureau, tel. +358 9 685 0120, www.fine.fi If you wish to file a complaint or an appeal, please contact asiakasasiamies@pohjola.fi Finnish Insurance Complaints Board, tel. +358 9 685 0120, www.fine.fi Consumer Disputes Board, tel. +358 10 366 5200, www.kuluttajariita.fi www.liikennevahinkolautakunta.fi You may also submit the case to court within three years of our decision. Confidentiality Your details will remain confidential. We handle personal, insurance and claims data in accordance with all applicable laws. Claims data is collected in a joint claims and misuse register kept by insurance companies for the purpose of preventing insurance fraud. Please note that various price factors affect the insurance premium at the moment of purchase and that, on that basis, the payment may also change while the insurance is valid. The price factors affecting the insurance are available in conjunction with the product description.

1011641 11.14 Pohjola Insurance Ltd, Business ID 1458359-3; Helsinki Lapinmäentie 1, 00013 Pohjola Domicile: Helsinki, main line of business: insurance operations