ACCIDENT INSURANCE. Regulations No 7A-LT (Enforced on 13 June 2011) 1/12

ACCIDENT INSURANCE Regulations No 7A-LT (Enforced on 13 June 11) APPROVED by Resolution No 90 of the Board of BTA Joint-Stock Insurance Company of 19 October as amended by Resolution No 0 of the Board of BTA Insurance Company SE of 7 June 11 (regarding change of the name) GENERAL TERMS AND CONDITIONS 1. Definitions as used in the insurance contract 1.1. The Insurer BTA Insurance Company SE Lithuanian branch, hereinafter referred to as BTA. 1.2. The Policyholder a person who has applied to BTA to contract for insurance or to whom BTA has offered to enter into an insurance contract, or who has signed an insurance contract with BTA for own benefit or for benefit of other persons. 1.2.1. Persons associated with the Policyholder and/or Insured Person to whom Policyholder s obligations are also binding: a) persons living together with the Policyholder or the Insured Person; b) persons responsible for insurance object pursuant to an agreement with the Policyholder or the Insured Person; c) persons sharing insurance interests together with the Policyholder or the Insured Person, or other persons named in the insurance contract; d) persons related to the Policyholder or the Insured Persons under employment, service delivery or other legal relationships and bound to act in conformity with the safety requirements. 1.3. The Insured Person a person whose interests shall be covered: a) In case of property insurance the owner of property covered by the insurance contract or other person named in writing in the contract; b) In case of third party liability insurance a person whose property interests arising from third party liability are covered; c) In case of person s insurance a natural person indicated in the insurance contract, whose health, life or physical condition is covered under the insurance contract. 1.4. The Beneficiary a person named in the insurance contract or a person appointed by the Policyholder or, in cases stipulated in the insurance contract, by the Insured Person and entitled to receive insurance benefits. 1.. Third party (refers to third party liability insurance) a person who suffers loss due to Insured Person s acts or omissions, entitled to insurance benefits in accordance with the terms and conditions of the insurance contract. 1.6. The parties to the insurance contract the Policyholder and BTA. 1.7. Insurance object property interests relating to human life and/or health, property or third party liability. 1.8. Application to contract for insurance a document in the form established by BTA for the Policyholder to provide with information required for the entering into the insurance contract. The application shall not be required, if the Policyholder provides BTA with information which BTA considers sufficient to assess insurance risks. Acceptance of the application to contract for insurance does not obligate BTA to sign the insurance contract. 1.9. Insurance contract an agreement between BTA and the Policyholder, whereunder the Policyholder undertakes to pay insurance premiums specified in the insurance contract by the agreed time limits and to fulfill other obligations stipulated in the insurance contract, and BTA undertakes to pay down the benefit upon occurrence of the event insured (risk covered), as defined in the insurance contract. 1.. Insurance policy a document confirming the entering into insurance contract and covering the terms and conditions of the insurance contract agreed by BTA and the Policyholder. 1.11. Sum insured a sum of money specified in the insurance contract or a sum of money calculated in the procedure described in the insurance contract which is the limit of indemnity (insurance benefit). 1.12. Underinsurance cases when the established sum insured is less than the value of insurance. In such cases, upon occurrence of the event insured BTA shall indemnify a portion of the benefit in proportion to the ratio of the sum insured and the value of insurance. 1.13. Insurance exceeding the value of insurance cases when the sum insured exceeds the value of insurance as of the date of contracting for insurance. In such cases, the benefit shall be paid down within the limits of the loss suffered. 1.14. Double insurance cases when the Policyholder signs several insurance contracts with different insurance undertakings to cover the same risks. In such cases, the Policyholder should notify BTA in writing about other insurance contracts entered, sums insured and other contractual terms and conditions. Otherwise, the Insurer shall be entitled to recover insurance benefits being paid down. This provision shall not apply when, in accordance with the insurance contract, BTA is obliged to pay insurance benefit not related to property damage (insurance of sums). 1.1. Additional insurance cases when only a portion of the value of property or risk is insured. In such cases the Policyholder shall be entitled to enter into an additional insurance contract with the same or any other insurer. However, the total sum insured under all insurance agreements shall not exceed the value of insurance. 1.16. Deductible a portion of insurance benefit stipulated in the insurance contract as not to be indemnified by BTA. The deductible shall be defined as a specific amount of money or a percentage unless the policy specifies otherwise. Where the insurance contract provides for several types of deductible in respect of the same risk, the deductible which is bigger shall always apply. 1.17. Insurance premium an amount of money set in the insurance contract which is payable by the Policyholder to BTA under the terms and conditions of the insurance contract for the insurance cover. 1.18. Event insured (risk covered) incidents stipulated in the insurance contract upon occurrence of which BTA is obliged to pay the insurance benefit. 1.19. Exclusions (risks uncovered) occurrences when BTA is not obliged to pay the benefit. 1.. Insurance risk a probability for the event insured to occur in future beyond control of the Policyholder and/or Insured Person. 1.21. Insurance benefit an amount of money payable upon occurrence of the event insured or delivery of services if so is stipulated in the insurance contract. 1.22. A written document: a) A document executed in writing and containing all necessary particulars, including signature affixed in accordance with valid legislation of the Republic of Lithuania; b) An electronic document containing a safe electronic signature. 2. Validity of insurance cover 2.1. A period of insurance means a period when insurance cover is in force. 2.2. The insurance cover shall come into force at 00:00 o clock on the date indicated in the insurance contract, but not earlier than the premium or its first installment is paid down, if: 2.2.1. the date of paying the premium or its first installment is not indicated in the insurance contract; 2.2.2. the beginning of the insurance period coincides with the date of payment of the premium or its first installment; 2.2.3. the time limit for paying the premium or its first installment precedes the beginning of the insurance period. 2.3. Where coming into force of the insurance cover is linked to the payment of the insurance premium or its first installment, the insurance cover shall come into force at 00:00 o clock the next day after receipt of the payment. 2.4. Where the insurance premium is paid after the date indicated in the insurance contract and the event insured occurs prior to the date of payment, the insurance cover shall not come into force. 2.. Where the insurance contract stipulates that the premium should be paid after the first day of the insurance period, the cover shall come into force at 00:00 on the first day of the insurance period. 2.6. The insurance contract expires at 24:00 o clock on the last day of the insurance period specified in the insurance contract unless terminated earlier for other reasons. 3. Policyholder s duty to disclose 3.1. Prior to signing the insurance contract, the Policyholder undertakes to provide BTA with true and complete information requested by BTA in relation to the insurance object and necessary for the assessment of insurance risks. Where the Policyholder knowingly conceals information necessary for the assessment of the insurance risk or knowingly provides incorrect or incomplete information, BTA shall be entitled to claim nullification of the insurance contract and retain the paid down insurance premium. 3.2. The Policyholder is required to promptly notify of any changes occurring during validity of the insurance contract and likely to increase the insurance risk. The changes required to be disclosed include but are not limited to: a) significant changes relating to the insurance object; b) changes in the manner/ways of using the insurance object; c) other circumstances specified in the Special Part of the Regulations. 3.3. Where information provided to BTA about the insurance object and risks covered changes and this results in insurance risk increase, as well as in case BTA is misled by minor misrepresentations of the Policyholder, BTA shall be entitled to offer the Policyholder, within a period of 1 month from the date of getting aware, to amend the terms and conditions of the insurance contract, including the amount of the insurance premium. Where the Policyholder disagrees to the amendment of the terms and conditions of the insurance contract or fails to give any answer to BTA within 1 (one) month from the date of dispatch of the notice of the proposed amendments, BTA shall be entitled to terminate the insurance contract upon expiration of the time limit stipulated in this paragraph without any further notice. Where BTA proves that, being aware of the risk increase, it would have not entered into the insurance contract, BTA shall be entitled to claim termination of the insurance contract within 2 (two) months from getting aware of the risk increase. 3.4. Violation of the Policyholder s duty to disclose information shall also incur other legal consequences entrenched in the legislation of the Republic of Lithuania. 4. Insurance premium and payment procedure 4.1. The Policyholder must pay insurance premium to BTA in the amount and by the time limit set in the insurance contract. 4.2. The premium shall be deemed paid: 4.2.1. when paid in cash at the moment of paying the premium to BTA s officer or agent; 4.2.2. when paid by a bank transfer at the moment the relevant amount of money is credited to BTA or its authorized insurance intermediary s bank account. 4.3. In case of failure to pay the premium by the time limit set in the insurance contract, the Policyholder shall pay BTA a default interest in the amount of 2% for each day overdue. The above-indicated default interest shall not apply in the following cases: a) the premium is paid as a lump sum; b) in respect of the first payment, if the premium is paid in installments. 4.4. Should the Policyholder fail to pay in the premium or any part thereof by the deadline fixed in the insurance contract (with the exception of case when coming into force of the insurance contract is linked to payment of the insurance premium or any part thereof), BTA must inform the Policyholder to this effect in writing indicating that in case of latter s failure to pay in the premium or any part thereof in 1 days after receipt of the notice, the insurance cover shall be suspended and renewed only after the payment of the premium or any part thereof by the Policyholder. 4.. BTA shall not be obligated to pay down the insurance benefit, if the event insured 1/12

occurs during suspension of the insurance cover. In case of third party liability insurance, if the insurance contract stipulates that the event insured is lodging of a claim for damages, commitment of the activity which causes the damage during the period of insurance cover suspension shall entitle BTA to disallow payment of insurance benefit irrespective of whether or not the claim for damages is lodged after expiration of the insurance cover suspension. 4.6. If suspension of the insurance cover on the ground of failure to pay down the premium lasts for a period exceeding 3 months, BTA shall be entitled to terminate the insurance contract unilaterally.. Contracting for insurance by means of telecommunication terminal equipment.1. Insurance contract between the Policyholder and BTA may be entered by means of telecommunication terminal equipment. When entered this way, insurance contracts shall be deemed concluded between the Policyholder and BTA by post, online, e-mail, telephone or other means of information exchange..2. If an insurance contract is made by means of telecommunications terminal equipment: a) The insurance contract shall come into force the next day after full payment of insurance premium fixed by BTA; b) By paying the premium, the Policyholder confirms that he is familiar and agrees with all the terms and conditions of the insurance contract; c) The absence of a written policy does not affect validity of the insurance contract; d) If so requested by the Policyholder, BTA is obliged to issue a copy of the policy to the Policyholder within (five) working days. 6. Expiration and amendment of the insurance contract 6.1. The insurance contract shall expire at 24:00 on the last day of the insurance period unless otherwise agreed by the Policyholder and BTA. 6.2. The Policyholder shall be entitled to terminate the insurance contract at any time giving a 1 days notice to BTA in writing. In this case, the insurance contract shall be deemed terminated as of the date indicated in the notice, but not earlier than on the 1th (fifteenth) day after receipt of the notice of termination. Such being the case: 6.2.1. Where there was no payment of insurance benefit effected and no claims were lodged within the period of validity of the insurance contract, the Policyholder shall be repaid, within 1 (fifteen) calendar days from the receipt of the Policyholder s notice, the insurance premium, less costs of conclusion and performance of the insurance contract (30% of the sum to be repaid); 6.2.2. Where the benefit was paid down and/or pending or a claim was lodged during validity of the insurance contract, the Policyholder shall be repaid, within 1 (fifteen) calendar days from the receipt of the Policyholder s notice, a part of the premium which is equal to the difference between the unused portion of the premium for the remaining period of the contract and paid down and/or pending benefit, reduced with the costs of conclusion and performance of the insurance contract (30% of the sum to be repaid). 6.3. The terms and conditions of the insurance contract may be modified or amended only upon a written agreement between BTA and the Policyholder. 6.4. The insurance contract may be terminated on other grounds stipulated in the insurance legislation of the Republic of Lithuania governing legal relationships in insurance contracts. 7. General exclusion clause 7.1. Unless the insurance contract stipulates otherwise, BTA shall not pay insurance benefits for: 7.1.1. Terrorist acts (the acts involving the use of, or threatening to use, force or violence, committed by a group of persons acting independently or on behalf of any organization or government, committed for political, religious, ideological or ethnic ends for the purpose of putting in fear or exerting influence on the government, public or any section of the public); losses incurred in relation to the prevention of terrorist acts shall not be compensated either. 7.1.2. War, invasion, hostile acts of foreign countries or other operations attaining the same level, such as civil war (whether or not the war is declared), riots, strikes, rebels, commotions, revolution, military situations, marauding, vandalism, sabotage; strike, lockout, public disorder attaining the level of a coup or riot, seizure of property, nationalization, when this is caused or authorized, whether legally or not, by the public authorities; other political risks and any other losses or costs directly or indirectly sustained in relation to the prevention of such acts shall not be compensated either; 7.1.3. Direct or indirect nuclear explosion, nuclear power or impact of radioactive substances; direct or indirect radioactive contamination; 7.1.4. Other circumstances classified as force majeure pursuant to the legislation of the Republic of Lithuania; 7.1.. Malicious acts by the Policyholder, Insured Person or Beneficiaries. 8. Policyholder s obligations upon occurrence of an event which can be recognized as the risk covered 8.1. In order to qualify for insurance benefits in case of occurrence of the event insured, the Policyholder or the Insured Person is obliged: 8.1.1. To give a prompt notice within 3 working days (unless specified otherwise in the special terms and conditions of the Regulations) to BTA about occurrence of the event likely to be recognized as the risk covered in the procedure laid down in the special terms and conditions of the Regulations. Where the Policyholder or the Insured Person notifies BTA of the occurrence likely to be recognized as the event insured (risk covered) after expiration of the set time limit, the Policyholder or the Insured Person must prove that it was impossible to give notice on time; 8.1.2. To immediately report to competent authorities (e.g., medical establishments, the Fire and Rescue Department, the police, emergency services, etc.); 8.1.3. To follow all instructions given by BTA and to take all and any measures to mitigate the damage and prevent its occurrence or increase; 8.1.4. To make it available for BTA to inspect the scene of the event likely to be recognized as the risk covered, to investigate it and examine witnesses so that BTA would be able to identify the causes and size of damages; 8.1.. To provide with any information and documents requested by BTA, including commercial secrets, if any, known to the Policyholder or the Insured Person so that BTA would be able to identify the causes and size of damage; 8.1.6. Unless instructed by BTA otherwise, to preserve, where possible, the scene unchanged while waiting for BTA s representative. This paragraph shall not apply in as much as it is necessary to fulfill the requirements in paragraph 8.1.3 above. 8.2. Where the Policyholder or Beneficiary deliberately or by gross negligence fails to fulfill the obligations stipulated in the Regulations, BTA shall be entitled to reduce or disallow payment of the insurance benefit. 9. Insurance benefits 9.1. The insurance indemnity (benefit) must be paid down within 30 days after receipt of all information required for the establishment of the fact, circumstances and consequences of the event insured as well as for the identification of the amount of insurance benefit. 9.2. If the event is the risk covered, but the Policyholder and BTA fail to agree as to the amount of benefit, on the Policyholder s request BTA must pay down an amount equal to the benefit indisputable by the parties, if definite establishment of the amount of damage lasts for a period exceeding 3 months. 9.3. Where BTA delays payment of the benefit for its own fault, BTA shall pay a default interest in the amount of 2% of the outstanding benefit for each day overdue. 9.4. For the purpose of paying insurance benefits, all insurance premiums for a current insurance year, which are mature on the date of paying the benefit, shall be accounted. Pending premiums can be also accounted if so agreed by the Policyholder. If the insurance object is killed, destroyed or lost as a result of the event insured, all premiums pending in accordance with the insurance contract shall de deducted.. Dispute settlement procedure.1. Any disputes between the parties shall be settled by negations. In case of failure to agree, all disputes arising out of the insurance contract and relating to violation, termination or invalidity of the insurance contract shall be settled in compliance with the law of the Republic of Lithuania and in courts of the Republic of Lithuania according to the place of head office of BTA. 11. Management of personal data 11.1. By entering into the insurance contract, the Policyholder and/or the Insured Person expresses his consent that BTA would manage, as a data controller, personal data of the Policyholder (except for special categories of personal data) in accordance with the provisions of the Law on Legal Protection of Personal Data to an extent it is necessary for the assessment of risks, solvency and debt management as well as for the purpose of direct marketing and statistics. The Policyholder and/or the Insured Person further agrees that BTA would disclose data on debtors, including personal identification numbers, to other data controllers who process consolidated debtor files. In addition, the Policyholder agrees that BTA would receive information from data controllers processing personal data, when such information is necessary for BTA for the aforementioned purposes and requirements of legal acts of the Republic of Lithuania are not violated. BTA must process personal data accurately, fairly and lawfully as well as take measures to ensure protection of personal data. BTA shall be liable for violations of the Law on Legal Protection of Personal Data in compliance with legislation of the Republic of Lithuania. 12. Subrogation 12.1. The Insurer shall acquire the right of subrogation against the persons at fault after payment of insurance benefit to indemnify for this loss (subrogation). The Policyholder (Beneficiary) must provide BTA with all and any information required for the Insurer to properly implement this right of recourse. 13. Confidentiality 13.1. The parties are obligated not to disclose any confidential information received on the basis of contractual or pre-contractual legal relations to any third persons, as well as not to use it against the interests of the other party. BTA shall be entitled to provide all relevant information, as received on the basis of the contractual or precontractual legal relations, to independent experts and reinsurers, as well as to store such information in BTA s databases. This duty shall not apply when the parties are obligated to disclose information to the authorized public authorities in as much as it is necessary to observe the requirements of the legal acts of the Republic of Lithuania. 14. Procedure of ceding the Insurer s rights and obligations under the insurance contract to other insurers 14.1. BTA is entitled to cede its rights and obligations to other insurance undertakings in the statutory procedure. 14.2. If the Policyholder disagrees with the Insurer s intention to transfer its rights and obligations under the insurance contract, the Policyholder is entitled to terminate the insurance contract within one month from the cession of the rights and obligations. In this case the Policyholder shall be refunded the paid in premiums for the remaining period of the insurance contract validity. 1. Notice giving procedure 1.1. Any notice to be communicated by the Policyholder or BTA to each other shall be delivered by the time limits set in the Regulations in one of the manners below: 1.1.1. by handing a notice to the parties at the address indicated in the policy or other documents; 1.1.2. by certified mail; 1.1.3. by a facsimile transmission. 16. Miscellaneous 16.1. Unless specified by the Policyholder otherwise upon signing the insurance contract, the Policyholder agrees that BTA would send him insurance offers concerning: 2/12

a) extension of existing insurance contracts; b) entering into new insurance contracts in whatsoever class of insurance. 16.2. Contractual insurance relations shall be governed by the law of the Republic of Lithuania. 16.3. The insurance contract shall be signed on the basis of the general and special terms and conditions. In case of any differences between the special and/or individual insurance terms and conditions, as stipulated in the insurance contract (policy), and the general terms and conditions herein, the special and/or individual insurance terms and conditions shall take precedence. 16.4. The Policyholder, Insured Person, Beneficiary and other persons acquiring any rights on the basis of the insurance contract are required to fulfill the obligations stipulated in the Regulations. 16.. The Regulations are effective from the date of being approved by the BTA board unless it provides for another date for the Regulations to come into effect. 16.6. In case of any differences or discrepancies between the languages, the wording in the Lithuanian language shall override. 16.7. The Regulations are available on BTA s web site at http://www.bta.lt. APPROVED by Resolution No 26 of the Board of BTA Joint-Stock Insurance Company of 1 March 11 as amended by Resolution No 0 of the Board of BTA Insurance Company SE of 7 June 11 (regarding change of the name) SPECIAL TERMS AND CONDITIONS 1. Specification of the definitions used in the Regulations Accident - a sudden, unexpected event that occurs against Insured Person s will, during which an external physical power causes health disorders or bodily injuries and/or traumas, and/or health disorders of the Insured Person. A Repeated Bone Fracture or Pathological Bone Fracture shall not be considered an accident. Loss of Capacity for Work a physical condition of the Insured Person from 18 years of age until the pension age, when the person is fully or partially incapable of taking care of his/her personal social life and performing job functions due to bodily injury/trauma suffered during the Accident. Loss of Capacity for Work shall be recognized as a risk covered if it satisfies the conditions below: - it is originally established within one year after the Accident and the percentage of the established capacity for work is 60% (sixty percent) or less; - a certain degree of incapacity for work (in percentages) is repeatedly confirmed by a competent public authority (the Disability and Capacity for Work Establishment Office) at least one year after the date of the original establishment of Loss of Capacity for Work. In case of other age categories, the following conditions shall be considered analogue to the Loss of Capacity for Work pursuant to the provisions above: - children under 18 a degree of Disability; - pension-age persons Social Needs. Temporary Loss of Capacity for Work a period when the Insured Person is temporarily incapable of performing his/her job duties as a result of the Accident and this is confirmed by medical documents and sick leaves. Trauma - loss of tissue integrity and ensuing dysfunction, as listed in Annex 1 The amount of insurance benefit payable in case of the Accident, suffered by the Insured Person as a result of the Accident. Free Time Hobbies the below listed individual or organized sports other than sports competitions. Pursuant to the Regulations, the Free Time Hobbies shall include: gym sports, aerobics and its different types, swimming, participation in sports events, cycling, golf, curling, bowling, terrain orientation, skating, air-ballooning as well as physical training classes at schools and sports events organized by schools, except classes in sport schools. Sports individual and organized sports (whether trainings or competitions/contests) in which the Insured Person participates as a professional or amateur. Pursuant to the Regulations, Sports shall include: hunting, skiing, snowboarding, ice hockey, basketball, football (soccer), volleyball and other sports not qualified in the Regulations as increased-risk sports. Free Time Hobbies shall be considered Sports if the Insured Person takes part in sports competitions. Increased Risk Sports individual and organized physical exercising involving the use of special equipment or gear. Pursuant to the Regulations, Increased Risks Sports shall include: mountaineering, rock climbing, speleology, motor sports, motorcycle sports, downhill racing, driving a motorcycle, quadricycle and motor-scooter, water sports, parachuting, boxing and its varieties, bobsleigh, gliding, paragliding, scuba-diving, air flights (excl. traveling by plane or air-balloon as a passenger) or flights with any other flying apparatus as well as any other professional or amateur sports or activities relating to jumping from height, performing twists, maneuvers and/or figures, whether or not involving acrobatic elements, or barrier passing. Repeated Fracture a bone fracture as a result of incomplete union of the bone in the location of the earlier fracture or repeated Trauma. Pathological Fracture a bone fracture as a result of changes in the bone structure without a mechanical external impact. Bone fracture increased risk - fracture of the bone in a previously traumatized joint (sprain of the ligaments around a joint, rupture of the joint capsule, joint dislocation, usual dislocation), also because of an external force impact on the bone with abnormal bone structure. 2. Insurance object and cover provided 2.1. In accordance with these Regulations, insurance cover shall be provided in respect of the Accident which occurs during validity of the insurance contract. Insurance benefit shall be paid down if the Insured Person: 2.1.1. Dies within 1 (one) year after the Accident (hereinafter and in the policy referred to as Death). Insurance benefit shall be paid if Death and the sum insured in this respect are specified in the policy; 2.1.2. Loses capacity for work within 1 (one) year after the Accident (hereinafter and in the policy referred to as Loss of Capacity for Work). Insurance benefit shall be paid if Loss of Capacity for Work and the sum insured in this respect are specified in the policy; 2.1.3. Suffers Trauma (hereinafter and in the insurance contract referred to as Traumas). Insurance benefit shall be paid if Traumas and the sum insured in this respect are specified in the policy; 2.1.4. Suffers expenses within the period of cover to pay for medical services (hereinafter and in the policy referred to as Medical Expenses). Insurance benefit shall be paid if Medical Expenses and the sum insured in this respect are specified in the policy; 2.1.. Suffers damages as a result of Temporary Loss of Capacity for Work (hereinafter and in the insurance contract referred to as Daily Allowance). Insurance benefit shall be paid if Daily Allowance and the sum insured in this respect are specified in the policy; 2.1.6. Is hospitalized (hereinafter and in the policy referred to as Hospital Confinement Benefit). Insurance benefit shall be paid if Hospital Confinement Benefit and the sum insured in this respect are specified in the policy. 3. Sum insured 3.1. The sums insured against Death, Loss of Capacity for Work, Traumas and Hospital Confinement Benefit risks shall be mutually agreed by the Policyholder and BTA and reflect them in the insurance contract. 3.2. The sums insured against Medical Expenses and Daily Allowance risks shall be fixed in accordance with the Regulations unless different amounts are agreed upon between the Policyholder and BTA and indicated the insurance contract. 3.3. The total sum insured shall consist of a totality of the sums insured in respect of each risk covered under the insurance contract. 3.4. Once the benefit is paid down, the sum insured in respect of the specific risk as well as the aggregate sum insured shall be reduced with a relevant amount paid out. In this case the insurance contract shall remain valid until the date of expiry indicated therein with the sum insured being relevantly reduced in respect of the specific risk cover and of the whole contract. 3.. Where several persons are covered under one insurance contract, the sums insured appearing in the insurance contract shall apply to each Insured Person unless other sum insured is indicated in respect of a specific Insured Person in an annex (List of the Insured Persons) to the insurance contract. 4. Payment of insurance benefits 4.1. BTA shall pay insurance benefits as follows: 4.1.1. In case of Insured Person s Death, 0% (hundred percent) of the sum insured indicated in the insurance contract in respect of Death shall be paid down; 4.1.2. In case of Loss of Capacity for Work by the Insured Person: 4.1.2.1. 0% (hundred percent) of the sum insured in respect of the Loss of Capacity for Work shall be paid: - if the established capacity for work is from 0% (zero percent) to 2% (twenty five percent) for persons from 18 (eighteen) years to the pension age; - if a severe disability is established for persons from 18 (eighteen) years to the pension age; - if persons above the pension age are found to have big social needs; 4.1.2.2. 70% (seventy percent) of the sum insured in respect of the Loss of Capacity for Work shall be paid: - if the established capacity for work is from 26% (twenty six percent) to 4% (forty five percent) for persons from 18 (eighteen) years to the pension age; - if a moderate disability is established for persons from 18 (eighteen) years to the pension age; - if persons above the pension age are found to have medium social needs; 4.1.2.3. 0% (fifty percent) of the sum insured in respect of the Loss of Capacity for Work shall be paid: - if the established capacity for work is from 46% (forty six percent) to 60% (sixty percent) for persons from 18 (eighteen) years to the pension age; - if a mild disability is established for persons from 18 (eighteen) years to the pension age; - if persons above the pension age are found to have low social needs; 4.1.2.4. where the established capacity for work is between 61% (sixty one percent) and 0% (hundred percent), the person shall be considered capable for work and insurance benefit shall not be paid by BTA; 4.1.2.. where the Accident affects physical abilities of the Insured Person with a previously established capacity for work, a degree of the capacity for work, which is the basis for calculating the amount of insurance benefit, shall be measured as the difference between the degree of capacity for work established before and after the Accident; 4.1.2.6. where several physical functions have been impaired as a result of the Accident, a degree of the Lost Capacity for Work shall be measured on the basis of the lowest degree of capacity for work assigned to the Insured Person. 4.1.3. In case of Traumas of the Insured Person, insurance benefit shall be calculated as a percentage of the sum insured indicated in the insurance policy in respect of Trauma in accordance with Annex 1 Insurance Benefit Calculation Table No. 1, as enclosed to the Regulations, provided that treatment of Trauma consequences requires at least (five) days and this is confirmed by medical documents issued by a medical establishment. 4.2. Insurance benefit shall be paid to the Insured Person as follows: 4.2.1. In case of Loss of Capacity for Work: 4.2.1.1. after original establishment of disability, degree of capacity for work or special needs satisfaction, the first portion of insurance benefit shall be paid down in the amount of % of the benefit for Loss of Capacity for Work fixed in accordance with paragraph 4.1.2; 4.2.1.2. if after expiration of the set time limit the Insured Person is repeatedly given a certain degree of disability, capacity for work or special needs satisfaction, the Insurer shall pay down the total remaining portion of the benefit (80%) for Loss of Capacity for Work, as fixed in accordance with paragraph 4.1.2, provided however that the established degree has not changed. If the repeatedly established degree 3/12

of disability, capacity for work or special needs satisfaction is higher than the original one, the portion of the benefit due to the Insured Person shall not exceed 0% of the benefit fixed in paragraph 4.1.2, taking into account the portion of the insurance benefit already paid out. Where after the repeated examination no disability, special needs satisfaction or capacity for work is established for the Insured Person or the established degree of capacity for work is between 61% (sixty one percent) and 0% (hundred percent), the person shall be deemed capable for work and the benefit fixed in paragraph 4.1.2 shall not be paid. 4.2.2. In case of Increased Risk Bone Fracture - 0% (fifty percent) of insurance benefit calculated in accordance with Annex 1 to the Regulations. 4.2.3. If the Accident occurs when the Insured Person is engaged in Sports not specifically mentioned in the insurance contract - % (twenty percent) of insurance benefit calculated in accordance with Annex 1 to the Regulations, but maximum LTL 00 (five hundred) per risk covered; 4.2.4. In case of combined or multiple Traumas, insurance benefit shall be paid for the most severe Trauma only. 4.3. The sum insured for Medical Expenses shall be LTL 2,00 (two thousand five hundred litas) with LTL 70 (seven hundred fifty litas) indemnity limit per each and every loss (risk covered). BTA shall indemnify the Insured Person only for the expenses suffered by the Insured Person in medical establishments of the Republic of Lithuania entered in the Register of Health Care Institutions and in pharmacies in the Republic of Lithuania, also in cases when insurance cover provided in the insurance contract extends outside the territory of the Republic of Lithuania. 4.4. Where the insurance contract provides cover for Daily Allowance, upon occurrence of the event insured BTA shall pay hereunder LTL 2 (twenty five litas) insurance benefit for each working day of Insured Person s temporary loss of capacity for work beginning from the 7th (seventh) day of incapacity for work confirmed by the sickness leave. The maximum duration of payment of the insurance benefit by BTA on the basis of this paragraph shall be: - 70 (seventy) days of leave per each and every loss (risk covered), not exceeding (one hundred fifty) days of leave per insurance year, if the Insured Person was receiving income from work under employment contract before occurrence of the Accident; - (ten) days of leave per each and every loss (risk covered), if the Insured Person was receiving income from work under employment contract before occurrence of the Accident. The insurance benefit set in this paragraph above shall be paid for working days only in compliance with the valid legislation of the Republic of Lithuania. 4.. Where the insurance contract provides cover for Hospital Confinement Benefit, upon occurrence of the event insured BTA shall pay hereunder LTL 2 (twenty five litas) insurance benefit for each day of stay in an inpatient health care establishment. If the Insured Person is treated in the inpatient health care establishment for a period of 3 (three) consecutive days or more, BTA shall pay out insurance benefit beginning from the first day of Insured Person s stay in the inpatient health care establishment. The maximum duration of payment of the insurance benefit by BTA on the basis of this paragraph shall be 30 (thirty) days per each and every loss (risk covered), not exceeding 90 (ninety) days in one insurance year. 4.6. Where the Insured Person is entitled to insurance benefit under any of the classes of obligatory insurance, including state social insurance, in case of insurance cover for Medical Expenses BTA shall indemnify the difference between actual expenses and the benefit due under obligatory insurance. 4.7. In case of Insured Person s Death, BTA shall pay down insurance benefit to a person indicated as the Beneficiary by the Insured Person: 4.7.1. in the insurance contract; 4.7.2. in writing during validity of the insurance contract; 4.7.3. in a notarized application to assign the Beneficiary. The Beneficiary shall be identified according to the latest Insured Person s will. Where no Beneficiary has been indicated by the Insured Person in the insurance contract or appointed later by the Insured Person in writing, insurance benefit shall be paid to the heirs of the Insured Person in the procedure prescribed by the laws of the Republic of Lithuania. 4.8. If the Insured Person to whom the Loss of Capacity for Work has been established dies as a result of the same Accident, insurance benefit shall be paid in respect of Death only. If the Insured Person dies after BTA has already paid the benefit for the Lost Capacity for Work, the insurance benefit payable in respect of Death shall be reduced with the amount of the benefit paid down to indemnify for the Loss of Capacity for Work.. Exclusions.1. BTA shall not pay insurance benefit in case the Accident is caused by the events stipulated in paragraph 7 of the Regulations and also in the following cases:.1.1. when the Insured Person was engaged in activities qualified as criminal activity;.1.2. when the Insured Person was arrested or his/her freedom was restricted as a result of serving a sentence;.1.3. when the Insured Person was doing his/her job duties which were dangerous for the Insured Person s health or life and required special training and appropriate permits issued by a competent body (commission) without holding such permit (i.e., jobs relating to high-voltage equipment, high-altitude and underground operations, special-purpose machinery, explosives, wells, digging/excavation, etc.);.1.4. when the Insured Person was taking an air flight in the status other than that of a passenger or in aircraft not used by a certified air operator or not registered as a means of passenger transportation in scheduled routes. This provision shall not apply if the insurance contract stipulates that the Insured Person is a pilot;.1.. if the Insured Person committed or attempted suicide;.1.6. as a result of consequences caused by Insured Person s epileptic seizure, loss of consciousness, psycho-traumatic consequences, affective state or chronic neurological diseases causing coordination disorders or muscle weakness (including but not limited to the Parkinson s disease, myopathy, disseminated (multiple) sclerosis);.1.7. when the Insured Person was treated using non-traditional medical methods, taking narcotic substances or medicinal products with no medical indications and not prescribed by a doctor for specific treatment purposes;.1.8. when the Insured Person was performing his/her official duties in any military, police, security, fire unit/formation, unless the insurance contract stipulated that the Insured Person was employed for that particular job;.1.9. when the Insured Person voluntarily endangered his/her own life, except for trying to save another person s life;.1.. when the Insured Person was traveling in a motor vehicle or other self-propelled vehicle (with inner combustion or electric engine) which driver was using alcohol, narcotic or psychotropic substances, except for cases when the Insured Person was going by public transport;.1.11. when the Insured Person substantially violated the Rules of the Road, incl. exceeding the speed limit by more than 30 km/h (thirty kilometers per hour), driving at a speeding which was unsafe considering whether conditions and/or driving without a proper driving license for a motor vehicle of a certain category;.1.12. when the Insured Person was under the influence of unprescribed medicines, alcohol, narcotic or psychotropic substances, or the mentioned substances had been found present in the Insured Person s body, or the Insured Person refused to take a test/analysis for the detection of the presence or absence of the said substances;.1.13. if the Insured Person died or lost his/her capacity for work as a result of alcohol, narcotic or psychotropic intoxication, or because of taking unprescribed medicines;.1.14. when the Insured Person was engaged in Increased-Risk Sports, unless a specific type of sports was indicated in the insurance contract;.1.1. when the Insured Person was driving a motorcycle, motor-scooter, quadricycle or water motorcycle, unless the insurance contract stipulated otherwise;.1.16. in case of global disasters, natural calamities, epidemics, etc..2. In accordance with the Regulations, bodily injuries caused to the Insured Person by a surgery or its consequences shall not be covered..3. Food poisoning and other health disorders of the Insured Person not listed in Insurance Benefit Calculation Table No. 1 and Table No. 2 shall not be covered..4. BTA shall not pay insurance benefit for Lost Capacity for Work, Traumas, Medical Expenses, Hospital Confinement Benefit and Daily Allowance, if the Insured Person applies to a medical establishment for services later than within 24 (twenty four) hours from the beginning of the Accident, except for cases when the signs of health disorder manifest with delay and this is proved by medical documents... Insurance cover for Medical Expenses, Daily Allowance and Hospital Confinement Benefit risks shall not be provided, if the consequences of the Accident, in accordance with Insurance Benefit Calculation Table No. 2 (Annex No. 2), manifest within 7 (seven) days from the signing of the insurance contract. This provision shall not apply, when a new insurance contract is made with the Insured Person without any interruption in the period of cover provided by the earlier insurance contract and the new one..6. Where the insurance contract provides cover against Medical Expenses, the following expenses shall not be indemnified by BTA upon occurrence of the Accident:.6.1. costs for the acquisition of glasses, contact lenses, hearing aids;.6.2. costs for the acquisition of prosthetic appliances, crutches and other medical aids;.6.3. costs for the acquisition of medicines not registered with the Register of the Republic of Lithuania and the centralized Community Register for Medicinal Products, products not qualified as medicines (e.g., nutritional preparations, contrast materials, cosmetics); vitamins; tonics, body constitution strengthening and anabolic preparations for systematic use; preparations relating to processes in blood and blood formation; preparations for nervous system regulation; also, the use of preparations to treat chronic diseases;.6.4. costs for plastic surgeries;.6.. costs for the treatment of the Insured Person under higher-level service conditions. Pursuant to the Regulations, the higher-level service conditions shall be understood as services offered by a medical establishment that make the treatment process more comfortable, but not necessary for the treatment to be successful;.6.6. costs for psychotherapeutic or psychological assistance..7. Where the insurance contract provides cover against Daily Allowance, Hospital Confinement Benefits or Medical Expenses, BTA shall not pay insurance benefits foreseen in respect of the above-mentioned types of risks for consequences of the Accident not listed in Annex 2 to the Regulations (Insurance Benefit Calculation Table No. 2). 6. Obligations of the Insured Person 6.1.The Insured Person (or, in case of Death, the person indicated in paragraph 4.7 of the Special Terms and Conditions of the Regulations) is obliged: 6.1.1. to report BTA on an event likely to be recognized as the risk covered, by filing an application describing in detail all the circumstances of the Accident. The Insured Person may authorize another person to file the above-mentioned application on the Insured Person s behalf, but the latter shall be nonetheless responsible for the information provided by such person to be complete, true and correct. In case of Insured Person s failure to adhere to the conditions laid down in this paragraph above, the Insured Person is obligated to prove BTA that there was no possibility to report on the event earlier; 6.1.2. to release doctors in charge from their duty of medical confidentiality and to give powers to a BTA s representative to get access to Insured Person s medical documents and other documents related to the Accident; 6.1.3. to authorize BTA to conduct additional medical examination of the Insured Person in relation to the Accident. BTA shall delegate its medical experts or other professionals to do the examination. Costs sustained in connection to the acts mentioned in this paragraph above shall be covered by BTA. 7. Conditions for receiving insurance benefit 7.1. In order to be paid insurance benefit, the Insured Person (or, in case of Death, the person indicated in paragraph 4.7 of the Special Terms and Conditions of the Regulations) is obliged to submit the following documents to BTA: 7.1.1. an application of the established form; 7.1.2. documents issued by relevant authorities evidencing the fact of the Accident; 7.1.3. a statement made by an employer and a competent public authority, if the Accident occurred in the workplace or territory relating thereto, also in cases when the 4/12

Accident occurs in performance of official duties (job tasks); 7.1.4. a certificate of particular diagnosis of health disorder issued by a medical establishment; 7.1.. in case of Insured Person s Death - a notarized copy of the death certificate and, where the Insured Person has not appointed any Beneficiary, a document confirming the right of the person indicated in paragraph 4.7 above to the insurance benefit; 7.1.6. in case of Medical Expense insurance - copies of prescriptions, original checks, invoices and/or receipts; BTA shall indemnify only for the medicines purchased according to doctor s prescriptions; receipts and/or checks evidencing payment for medical services must contain the code of the Insured Person and the name and price of the services provided; 7.1.7. in case of Daily Allowance insurance a copy of a documentary evidence of incapacity for work; where the Insured Person was receiving income under an employment contract prior to the occurrence of the Accident, he/she is required to submit the employer s certificate evidencing the Insured Person employment with the employer prior to occurrence of the Accident or a copy of the employment contract; 7.1.8. in case of Hospital Confinement Benefit insurance a copy of a documentary proof of Insured Person s inpatient treatment issued by a medical establishment, specifying the date of treatment and diagnosis for the health disorder; 7.1.9. other documents required for BTA to investigate the event insured. 7.2. Where the Insured Person (or, in case of Death, the person indicated in paragraph 4.7 of the Special Terms and Conditions of the Regulations) fails to comply with the requirements laid down in paragraph 7.1 above, BTA shall be entitled to disallow payment of insurance benefit. 8. Miscellaneous 8.1. If BTA pays insurance benefit in accordance with paragraph 4.3 of the Special Terms and Conditions of the Regulations, BTA shall acquire the right of subrogation within the limits of the amount of the paid down benefit against the person(s) liable for damages caused to the Insured Person. The Insured Person (in case of Death, the person indicated in paragraph 4.8 of the Special Terms and Conditions of the Regulations) is therefore required to sign all necessary documents giving BTA powers to file a claim against the person(s) liable for the damage caused to the Insured Person. 8.2. The insurance cover provided by the insurance contract shall be valid all over the world unless the insurance contract stipulates otherwise. This provision shall not apply in respect of Medical Expenses cover, which is limited to the Republic of Lithuania, i.e., only expenses suffered in the territory of the Republic of Lithuania shall be compensated irrespective of the territory of the Accident. 8.3. Any issues omitted in the Regulations above shall be settled in accordance with the legislation of the Republic of Lithuania. 8.4.The Regulations shall come into effect from the moment of being approved by the Board. /12

ACCIDENT INSURANCE Regulations No 7A-LT Annex 1 Insurance Benefit Calculation Table No. 1 No. Trauma Central and peripheral nervous system Payable benefit (% of the sum insured) 1. Cranial bone fractures: a) fracture of external lamina of the cranial vault bones, depressed fracture; b) fracture of cranial vault; 1 c) fracture of skull base. 2. Intracranial traumatic hematomas treated on an in-patient basis and confirmed by computed tomography myelogram (CTM) or magnetic resonance imaging (MRI): a) subarachnoid hemorrhage; 1 b) epidural hematoma; 2 c) subdural or/and intracerebal hemorrhage. 30 3. Cerebral injuries: a) cerebral commotion, concussion treated on an outpatient basis for at 2 least 21 days or on an in-patient basis for at least 4 days; b) cerebral commotion, concussion or commotion syndrome involving continuous treatment for at least 21 days, including at least days of in-patient treatment; c) cranial contusion or contusion syndrome, compression treated on an in-patient basis and the diagnosis is confirmed by computed tomography myelogram (CTM) or magnetic resonance imaging (MRI); d) distortion of brain structure: brain protrusion through an opening in the 0 skull caused by trauma (prolapsus, fuxus, protrusio, fungus cerebri, etc.) 4. Damages to the central NS conditioned by traumas, acute accidental poisoning, consequences of mechanical asphyxia diagnosed 6 months after the trauma or later: a) arachnoiditis, arachnoencephalitis or encephalopathy of a traumatic (toxic) origin (encephalopathy in persons under 40 only); b) traumatic epilepsy, traumatic hydrocephaly, medium mental damage, 1 monoparesis, fragment of a foreign body in the skull or brain (not applied in case of foreign bodies remaining after brain surgeries), post-traumatic parkinsonism (post-traumatic parkinsonism in persons under 40 only); c) loss of two or more extremities (hemiparesis, paraparesis); 30 d) paralysis of one extremity (monoplegia); 40 e) paralysis of one side of the body (hemiplegia); paralysis of the lower 0 extremities (paraplegia); f) dementia; paraplegia with expressive function impairment in pelvic 70 organs (urination or bowel movement); g) paralysis of the upper and lower extremities (tetraplegia), decortication 0 (brain death).. Injury of any part of spinal cord and nerve endings caused by: a) concussion, commotion treated on an in-patient basis for at least days; b) contusion, compression, hematomyelia confirmed by CTM or MRI analyses in in-patient treatment establishment. 6. Cervical, brachial and/or lumbar nerve network injury resulting in a surgery: a) traumatic plexitis (inflammation of plexus) with functional impairment; b) partial rupture of neural network; c) complete rupture of neural network. 40 7. Neural injuries caused by: a) hand and/or radius injuries (excl. injuries of finger nerves); 3 b) injury in the area of forearm, wrist, shin, tarsus; c) traumatic injury in the area of humerus, elbow, thigh and/or knee 2 joints. In case of multiple nerve injuries in one extremity, insurance benefit shall be paid for one injury only. 8. Post-traumatic inflammatory complications: a) skull (bone) osteomyelitis (osteitis); 1 b) brain abscess, purulent meningitis. 9. Peripheral (cerebral) nerve injuries resulting in reconstructive surgeries: a) unilateral; b) bilateral. 1. Insurance benefit shall be paid on a one-off basis irrespective of the number of injured nerves. Visual organs. Paralysis of accommodation of one eye. 1 11. Unilateral hemianopsia. 1 12. Monolateral narrowing of vision field. 13. Unilateral pulsating exophthalmus. 14. Unilateral dysfunction of lacrimal duct: narrow stricture or complete stenosis. 1. 2 nd degree burn and spreading eyeball wound, 3rd degree burn, discharge of blood within the eye, non-magnetic vitreal foreign body in the eye, keratitis, iris scarring without causing vision impairments, iris erosion, penetrating wound of eyeball. 16. Orbital fracture. 17. Unilateral vision impairment (unaided), diagnosed within 3-12 months after the date of trauma by means of comparing vision acuity before the trauma and thereafter (see Table No. 1). 1. Insurance benefit shall not be paid in the following cases: 1st degree eye burn; non-identified eye-burn degree; 2nd degree eye burn without spreading of the wound. Table No. 1. Insurance benefit in case of traumatic vision impairment Before trauma 1.0 0.8 0.6 Vision acuity Payable benefit (of the sum insured) Post-traumatic % 0.9 0.8 0.7 0.6 0. < 0.7 0.6 0. < 0. < < < 3 1 30 40 0 3 3 1 30 40 4 1 2 1 Before trauma 0.9 0.7 0. Vision acuity Payable benefit (of the sum insured) Post-traumatic % 0.8 0.7 0.6 0. < 0.6 0. < < 1 < < < 3 1 30 40 4 1 30 3 1 2 1. Total blindness () - visual acuity from light-perception up to 1 2. In case of post-traumatic surgery of an eyeball in which vision was present before the trauma, additional benefit shall be paid in the amount of % of the sum insured. 3. When visual acuity is impaired in both eyes as a result of trauma, for the purpose of insurance benefit, each eye shall be examined separately. Vision percentage in each eye shall be summed up. Hearing apparatus 18. Traumatic rupture of unilateral ear drum. 1 19. Unilateral hearing impairment present at least 3 months after trauma 2 and confirmed upon medical examination taken not later than 12 months after the date of trauma.. Total hearing loss: a) unilateral; 1 b) bilateral. 60 21. Consequences of auricle injuries, unilateral (injury, burn, chilblain): a) scars on the anterior surface of the auricle exceeding 2 sq. cm, provided that they are present upon medical examination taken at least 1 month after trauma; traumatic deformation of the auricle as a result of the scars; loss of less than 1/3 of the auricle; b) loss of 1/3-1/2 of the auricle; c) loss of the auricle or more than a half of it. Respiratory system 22. Dislocation of nasal cartilage, fracture of nasal and/or forehead bones. 3 No benefit shall be paid to indemnify for nasal bones or nasal septum surgery. 23. Fractures in the anterior walls of sinuses: sinus frontalis, sinus ethmoidalis or sinus mixillaris, sinus Haighmori. Maximum benefit in case of multiple fractures of the facial bones shall be 1% of the sum insured. 24. Lung injuries, contusion, subcutaneous emphysema, hemothorax (bleeding from the lung), pneumothorax (presence of air in the pleural cavity), traumatic pneumonia (lung inflammation), exudative pleuritis (inflammation of the pleura with effusion), foreign body in the chest cavity: a) unilateral impairment; b) bilateral impairment. 1. Insurance benefit shall be paid, if the conditions above have been caused by a direct trauma of chest or thoracic organs. Where the conditions above have been caused by other reasons (e.g., cold, surgeries unrelated to thoracic traumas or complications), insurance benefit shall not be paid. 2. When acute pneumonia is caused by accidental acute chemical intoxication with substances irritating the respiratory tract and/or pneumotoxins, insurance benefit shall not be paid out. 2. Lung injuries resulting in: a) removal or 1 or 2 segments of the lung; b) removal of up to 1/2 of the lung; 30 6/12

c) complete removal of the lung. 40 26. Fracture of sternum. 27. Fracture of ribs: a) 1-2 ribs; 3 b) 3- ribs; c) 6 and more ribs. Fractures of costal cartilages or rib dislocations shall be considered rib fractures as well. 28. Lung injuries resulting in lung dysfunction persistent at least 9 months after the date of trauma. 29. Laryngeal injuries, trochaic fractures, fractures in the chin area, posttraumatic tracheostomy, bronchoscopy, post-traumatic thoracotomy. 30. Post-traumatic functioning tracheostomic tube causing breathing impairment, dysphonia or aphonia, and these consequences remain present for a period exceeding 9 months. Cardiovascular system 31. Injuries of heart, pericardia or primary arteries without causing cardiovascular 2 insufficiency. Primary arteries include: aorta, pulmonary artery, innominate artery, carotid arteries (roots), internal jugular vein, superior and inferior vena cava, portal vein as well as primary arterial roots ensuring blood circulation in the internals. 32. Injuries of heart, pericardia or primary arteries causing cardiovascular insufficiency, which is found present at least 3 months after the date of trauma and is originally diagnosed within a year after the trauma (confirmed by a medical certificate or cardiologist conclusion): a) 1st degree cardiovascular insufficiency; b) 2nd or 2nd/3rd degree cardiovascular insufficiency; 30 c) 3rd degree cardiovascular insufficiency. 0 33. Injuries of great peripheral vessels without causing vascular insufficiency: a) injuries of both blood vessels at the level of ankle or wrist; 3 b) injuries of both blood vessels at the level of forearm or lower leg; c) injuries of both blood vessels at the level of upper arm or thigh. 1. Great peripheral vessels include: subclavian artery, axillary artery, brachial artery, ulnar artery, radial artery, femoral arteries at hip and thigh level, popliteal and tibial arteries, subclavian, axillary, femoral and popliteal veins. 2. Injuries to blood vessels in the lower third level of forearm and lower leg shall be considered injuries at the level of ankle and wrist respectively. Alimentary system, facial bones 34. Jaw fractures: a) fractures of jaw, cheek and lingual bones; b) dislocation of lower and upper jaw. 3 Where a fracture in the alveolar process results in the loss of teeth, insurance benefit shall not be paid in respect of fractures. 1. Fracture of the alveolar process of the mandible shall not be considered a jaw fracture. 2. In case of ordinary mandibular dislocation, insurance benefit shall only be paid if this is a complication of trauma suffered during the period of insurance (i.e., original dislocation was caused by a trauma during the period of insurance) and diagnosed within a period of one year after the trauma. Benefits shall not be paid for recurrent ordinary dislocations. 3. Jaw injuries that cause: a) partial loss of the jaw and resulting disorder of chewing; 40 b) total loss of the jaw (incl. teeth). 80 36. Tongue injuries: a) 1/3 of the distal part of the tongue; 1 b) 1/3 of the middle part of the tongue; 30 c) partial or total loss of the root of the tongue. 60 37. Traumatic injury of teeth (non-parodontal, non-carious, non-filled teeth): splitting of at least ¼ of the tooth, fracture of tooth or its root, partial tooth dislocation, including tooth displacement into the alveolar bone: a) ½-1 tooth; 2 b) 2-3 teeth; c) 4-6 teeth; 8 d) 7-9 teeth; e) and more teeth. 12 1. In case of total or partial traumatic loss of milk teeth in children under, insurance benefit shall be paid in accordance with the general regulations. Insurance benefits shall not be paid for loss of milk teeth in children above, irrespective of reasons. 2. Tooth injury or loss shall be deemed risk covered if at least 1/4 of the tooth crown is injured. 3. Insurance benefit shall not be paid if detachable denture is broken or damaged as a result of trauma. 38. Esophageal injuries causing: a) narrowing of esophagus, which obstructs swallowing of liquid or soft food; b) esophageal obstruction, but not earlier than 6 after the trauma, resulting 80 in permanent gastrostomy. 39. Damage to the alimentary organs caused by severe intoxication, except for deliberate acts (including alcoholic intoxication), resulting in: a) gastric, intestinal and rectal diseases requiring surgeries, cicatricial stricture (deformations); b) pancreatic fistula, intestinal fistula, entrevaginal fistula; 30 c) colostomy (creation of artificial anus). 60 40. Ulcer in the abdominal wall, diaphragm or at the scar site of abdominal surgery (which is required because of trauma). 41. Hepatic injuries from traumas, severe intoxication resulting in: a) liver closing or removal of gallbladder; 1 b) liver closing and removal of gallbladder; c) removal of a part of the liver; 2 d) removal of a part of the liver and gallbladder. 30 42. Splenic injuries resulting in: a) splenic rupture; b) removal of the spleen. 43. Gastric, pancreatic, intestinal and/or peritoneal injuries resulting in the removal of: a) 1/3 of the stomach, 1/3 of the bowels; 2 b) 1/2 of the stomach, 1/3 of the pancreas and 1/2 of the bowels; 3 c) 2/3 of the stomach, 2/3 of the pancreas and 2/3 of the bowels; 60 d) stomach, 2/3 of the pancreas and 2/3 of the bowels; 80 e) total bowels, stomach and a part of the pancreas. 0 44. Traumatic injuries of the abdominal organs resulting in: a) laparocentesis; b) laparoscopy, diagnostic laparotomy (when injuries of the abdominal organs are suspected); c) laparotomy (in case of injury of the abdominal organs). 1 4. Hernia occurring at the post-operative site on the abdominal wall or diaphragm (if surgery was required because of trauma), irrespective of whether the hernia was operated or not. 1. Where insurance benefit is paid under paragraphs 42-44, no benefit shall be granted under paragraph 4. 2. Where the event requires several interventions, insurance benefit shall be paid only for the most complicated one, except for relaparotomy. Urinary and genital systems 46. Traumatic injuries of kidney causing: a) removal of a part of the kidney/unilateral nephrectomy; 30 b) bilateral nephrectomy. 60 47. Post-traumatic impairment of the urinary system: a) renal insufficiency; 30 b) urethral blockage. 40 48. Injuries of urinary organs resulting in puncture (trocaric) or surgical cystostomy, cystotomy, single hemodialysis. 49. Traumatic injury of the genital system causing: a) unilateral removal of ovary, Fallopian tube, in women under 40, bilateral 1 removal of ovary, Fallopian tube, in women above 40, unilateral removal of testicle, partial penectomy; b) bilateral removal of ovary. Fallopian tube in women under 40, bilateral 30 removal of testicle or total penectomy; c) hysterectomy in women under 40: 40 - from 40 to 0; 30 - above 0. 1 Soft tissues 0. Injuries of the facial soft tissues, eye-lids, chin tissues resulting in: a) minor cosmetic defects, persistent scars from 1 cm to 3 cm in diameter; 1 b) medium cosmetic defects, persistent scars from 3.1 cm to cm in diameter; c) profound cosmetic defects (changes in the natural appearance, disfigurement 1 of one side of the face); d) facial disfigurements (major changes on both sides of the face with no 0 (or substantially no) undamaged areas). 1. Soft-tissue injuries in the hairy part of the head, trunk and/or extremities (caused by a mechanical, chemical, thermal or other acute impact under Insured Person s control as well as conditions after skin transplantation) after healing of which there are persistent scars measuring (upon medical examination of the insured person undertaken at least 3 months after the trauma): a) 2 - cm 2, as well as linear scars exceeding 1 cm in length, whether 1 or not covering the area of 2 cm 2 ; b) cm 2 to 0.% of the body surface area; 3 c) 0.% to 1% of the body surface area; 3 d) 1% to 2% of the body surface area; e) 2.1% to 4% of the body surface area; f) 4.1% to 6% of the body surface area; 1 g) 6.1% to 8% of the body surface area; h) >8.1% of the body surface area. 30 2. Soft-tissue injuries in the trunk and/or extremities (caused by a mechanical, chemical, thermal or other acute forced impact, also, conditions after skin transplantation) resulting in pigment spots measuring: a) from 1% to 2%; 1 b) >2.1 % of the body surface area. 3 3. Burns, burn diseases (burn shock, burn intoxication, anuria, toxemia, burn septicotoxemia) diagnosed in in-patient treatment establishment. 4. Open or closed injuries to soft tissues with resultant muscular hernia, post-traumatic periostitis (inflammation of the membrane enveloping a bone), non-resolved hematoma (of cm² in diameter at least), also, muscular rupture, loss of tendon integrity (except for the tendons in toes and fingers): a) presence of one of the consequences above; 3 b) presence of two or more of the consequences above. 1. Palmar surface (including palm and digits) of the insured person s hand is deemed to correspond to 1% of the surface of the body. 2. Insurance benefit shall not be paid for open fractures, post-operative and amputation scars. Spine. Fracture of cervical, thoracic or lumbar vertebrae or their arches (confirmed by an x-ray) a) 1-2 vertebrae; 1 b) 3 and more vertebrae. 30 6. Fracture of processes of cervical, thoracic or lumbar vertebrae, vertebral subluxation or dislocation (confirmed by an x-ray): c) 1-2 vertebrae; 3 a) 3 and more vertebrae. Insurance benefits shall not be paid for recurrent subluxations. 7. Spinal ligament sprain or partial rupture treated for at least 14 days. 3 7/12

8. Sacrum fracture. 9. Coccyx fracture (broken tailbone). 1. Where one trauma results in several injuries of the same vertebra (fracture of the vertebra or its processes, vertebral ligamentous injuries), insurance benefit shall be paid for the most severe injury only. Arm 60. Fracture of the scapula. 61. Fracture of the clavicle. 62. Partial or total rupture of scapulo-clavicular ligaments. 63. Rupture of sternoclavicular ligaments. Shoulder joint 64. Injuries of the shoulder joint: a) total rupture of ligaments or dislocation of the articular capsule in the shoulder area with shoulder immobilization, when treatment lasts for a period of 14 days or longer; b) factures of the articular surface of the scapula, head of the humerus, anatomical neck and/or the greater tubercle. 6. Damages to the shoulder joints caused by ankylosis (at least 3 months after the trauma). No additional benefit shall be paid for a graft. Humerus 66. Humeral factures at any part of the humeral shaft, incl. fracture of the surgical neck. 67. False joint (nonunion, pseudoarthrosis) persistent at least 9 months after 30 the trauma, if this is confirmed by a medical certificate. 68. Traumatic amputation of the arm or severe injury resulting in the arm amputation within one year after the trauma: a) Amputation of the arm, including other shoulder bones (scapula, clavicle 80 or any part thereof); b) Transhumeral amputation or amputation at the shoulder joint; 7 c) Amputation of the arm which was the only arm prior to the trauma. 0 Elbow joint 69. Injuries in the elbow joint area: a) elbow joint injuries (total rupture of ligaments, rupture of the articular capsule) with immobilization, when treatment lasts for a period of 14 days or longer; b) unilateral fracture of humeral epicondyle, split of the radial head (edge), fracture of the coronoid process, dislocation of one bone, olecranon fracture; c) bilateral fracture of humeral epicondyle, fracture of the radial neck, isolated dislocation of the radial head; d) articular fracture in the humerus (with or without dislocation), dislocation 1 of the forearm bones (with or without articular fractures), articular fracture of the forearm bones (with or without dislocation); e) articular fracture in the humerus with articular fractures in two forearm bones (with or without dislocations). 70. Consequences of injuries to the elbow joint present at least 9 months after the trauma and this is confirmed by a medical certificate: a) impairment in the articular functions (limited motion (rigidity), contracture); b) joint stiffening (ankylosis), pseudoarthrosis confirmed by X-ray. Forearm 71. Forearm shaft fractures confirmed by x-ray: a) single bone (without relocation); b) single bone (with relocation); 7 c) 2 bones, fracture of one or two bones with dislocation of another bone. 72. Loss of arm above the wrist joint or post-traumatic amputation of the 6 forearm as a result of severe injury. 73. Nonunion of the forearm bones (false joints) present at least 9 months after the trauma and this is confirmed by a medical certificate: a) single bone; 1 b) both bones. Radial bone and wrist joint 74. Total ligamentous rupture, sprain with immobilization for 14 or more days, dislocation of the wrist joint. 7. Unilateral epiphysiolysis, fractures of bone processes, including processus styloideus radii or ulnae, fracture of the ulnar head. 76. Fracture of the radial bone only or fracture of both bones in a typical place with dislocation or subluxation of the ulnar head, unilateral or bilateral epiphysiolysis. 77. Consequences of injuries in the wrist joint area, present at least 9 months after the date of trauma and confirmed by a medical certificate: a) impairment in the articular function (limited motion (stiffening), contracture); b) joint stiffening (ankylosis) confirmed by X-ray. 1 Hand and fingers 78. Unilateral fracture or dislocation of the carpal and/or metacarpus bones: a) fracture of one or two bones (excl. scaphoid bone); b) fracture or dislocation of three or more bones, fracture or dislocation of the scaphoid bone; c) carpal dislocation. 1 79. Consequences of carpal injuries: a) nonunion of one or several bones, excl. phalanges (false joint, pseudoarthrosis), present at least 9 months after the date of trauma and confirmed by a medical certificate; b) loss of all hand digits (fingers), transcarpal or transmetacarpal amputation 6 of hand; c) amputation of the only hand. 0 First digit (thumb) 80. Digit fracture, tendon injuries. 3 81. Digit injuries with resultant rigidity in: a) one joint; b) two joints. 82. Traumatic amputation or severe injury resulting in digit amputation: a) at the level of nail phalanx and between the phalangeal joint; b) at the level of the second and third phalanges (loss of the digit). Hand digits (excl. the first digit) 83. Digit fracture, tendon injuries. 1 84. Post-traumatic digit amputation or injuries resulting in the digit amputation: a) loss of nail phalanx; b) loss of the middle phalanx (loss of 2 phalanges); c) loss of the basic phalanx (loss of the digit). 1 8. Loss of all hand digits (fingers) as a result of trauma or injuries. 0 1. Benefit percentage shall be summed up taking into account the injuries of each finger. However, insurance benefit payable for all injuries of digits in one hand shall not exceed 0% of the sum insured. 2. Insurance benefit payable for all consequences of the injuries in one digit shall not exceed the benefit fixed in case of digit amputation. 3. Insurance benefit for multiple fractures in one digit shall equal to the benefit payable for one fracture. Pelvic bone fractures 86. Fractures of the pelvic bones (os pubis, os coxae, os ischii): a) Single bone fracture, fragmentation of the edge of the hip-socket; b) Single symphysis rupture; double-sided fracture of one bone, fracture of two bones, acetabular fracture; c) Multiple symphysis rupture, fracture of three or more bones, acetabular fracture with central femoral dislocation. 1 Hip joint 87. Injuries in the hip joint area: a) hip joint ligament sprains or partial rupture, when uninterrupted treatment lasts for a period of 14 days or more; b) separation of bone fragments; c) trochanteric fractures of the femur (trochanter minor et major), intratrochanteric and supratrochanteric fractures of the femur; d) fractures of the femoral head or neck, femoral dislocation. 1 88. Consequences of injuries in the hip joint area, present at least 9 months after the date of trauma and confirmed by a medical certificate: a) joint stiffening (ankylosis) confirmed by X-ray; b) nonunion of the femoral neck (false, joint, pseudoar throsis); 30 c) resection of the femoral head, acetabulum (hip-socket), endoprosthesis 40 (intra-articular prosthesis) after trauma. 1. Insurance benefit payable for all consequences of the injuries in one leg shall not exceed 60% of the sum insured. Femur 89. Femoral fracture at any region (except for joint): a) close; b) open. 1 90. Loss because of trauma or severe injury resulting in amputation in any area: a) unilateral femoral area; 70 b) the only leg. 0 91. Malunion of a femur fracture (assessed at least 9 months after the trauma), 30 nonunion (false joint, pseudoarthrosis). 92. Unilateral or multiple impairment in the functions of the leg joint(s) (limited motion, contracture). Knee joint 93. Knee injuries resulting in: a) ligamentous sprain or partial rupture (when uninterrupted treatment 2 lasts for a period of 14 days or more) hemarthrosis; b) meniscal injuries (total or partial rupture), confirmed during the surgery, 3 when uninterrupted treatment lasts for a period of 14 days or more; c) patellar fracture. 94. Knee joint injuries resulting in: a) joint stiffening; b) joint instability (as a result of bone surface resections in the knee 30 joint). Shin 9. Fracture of the shinbone: a) fibula; b) tibia. 96. Amputation after trauma or severe injury resulting in tibial amputation 60 at any level. 97. Unilateral or bilateral shinbone fracture with resultant formation of a false joint (malunion of the fracture), present at least 9 months after the trauma: a) fibula; b) tibia. 98. Shin amputation after trauma or severe injury resulting in shin amputation 60 within a year after the date of trauma. Tarsus joint 99. Injuries in the tarsus joint area: a) ligamentous injury when uninterrupted treatment lasts for a period 2 of 14 days or more; b) separation of bone fragments (splinters); 3 c) unilateral ankle fracture, fracture of the posterior edge of the tibia, rupture of the distal tibiofibular syndesmosis (syndesmolysis); d) bilateral ankle fracture, unilateral ankle fracture with fracture of the posterior edge of the fibula, rupture of the distal tibiofibular syndesmosis (syndesmolysis) with foot subluxation; e) bilateral ankle fracture with fracture of the posterior edge of the fibula, 1 unilateral or bilateral ankle fracture with foot subluxation, total foot dislocation with or without syndesmolysis); f) bilateral ankle fracture with fracture of the posterior edge of the fibula, foot subluxation (dislocation) and syndesmolysis. 0. Consequences of injuries in the tarsus joint area, present at least 9 months after the date of trauma and confirmed by a medical certificate. Leg 8/12

1. Tarsal amputation after trauma or severe injury resulting in the leg amputation at tarsus joint area (exarticulation). 0 2. Total loss of the integrity of the Achilles tendon: a) in case of at least 14 days of uninterrupted conservative (non-surgical) treatment; b) in case of surgical treatment. Foot 3. Unilateral foot injuries: a) ligamentous injury when uninterrupted treatment lasts for a period 2 of 14 days or more; b) separation of bone fragments (splinters); 3 c) fracture or dislocation of one or two bones (excl. calcaneum or talus); d) calcaneal fracture, talar fracture, fracture or dislocation of three or more bones; e) talar dislocation, subtalar dislocation, dislocations of the transverse 1 tarsal joint (articulatio tarsi transversa, Chopart s joint) or tarsometatarsal articulation (articulatio tarsometatarseae, Lisfranc joint). 4. Consequences of foot injuries: a) foot deformation caused by the consequence of the event insured bone fracture with relocation; b) nonunion of one or two metatarsal bones or false joint; c) nonunion of three, four or five metatarsal bones or false joint; d) calceneal or talar nonunion (pseudoarthrosis), aseptic necrosis of the 1 talus.. Foot amputation: a) foot amputation at the level of the metatarsophalangeal joint); 2 b) transmetatarsal amputation; 3 c) amputation in the sphenoid-tarsal joint area. 4 Toes 6. Unilateral injuries of toe(s): a) fracture, ligamentous rupture in one toe (excl. the first toe), when 2 uninterrupted treatment lasts for at least 14 days or more; b) fracture of one or two toes (excl. the first toe); 2 c) fracture of dislocation of the first toe; d) fracture or dislocation of three or more toes (excl. the first toe), irrespective of the number of broken or dislocated phalanges), tendon 8 injuries in three, four or five toes. 7. Unilateral toe amputation after trauma or severe injury resulting in toe amputation within a year after the date of trauma: a) first toe (hallux, big toe): - distal (terminal, second) phalanx amputation or amputation at the interphalangeal joint level (loss of nail phalanx); - proximal (basic, first) phalanx amputation or amputation at the metatarsophalangeal joint level (loss of the toe); b) II-V toes: - phalangeal amputation in one or two toes; - proximal amputation or amputation at the metatarsophalangeal joint level; - amputation of three or four toe together with the metatarsal bone or 2 a part of it. 1. Insurance benefit payable for unilateral foot injuries shall not exceed 30%. 2. No additional benefit shall be paid for toe surgeries. Consequences of other risks covered: 8. Consequences of various traumatic injuries (this paragraph shall not apply in case of traumas of hand and foot digits): a) taking an osseous autotransplant; b) post-traumatic osteomyelitis, hematogenic osteomyelitis. 9. Traumatic, hemorrhagic (anemic, related to blood loss), anaphylactic shock (hypersensitivity to some substances), fat embolism syndrome. 1. Risks covered resulting in insure person s in-patient treatment for more than 2 days (unless insurance benefit is payable under other paragraphs of the table): traumatic asphyxia, acute (chemical) intoxication, electrical injuries (power discharge from electricity systems, equipment or atmosphere), tick-borne or post-vaccinal encephalitis, tetanus, snakebite, animal bites and/or stings, etc. requiring in-patient treatment for: a) 3-4 days; 1 b) -6 days; 2 c) 7-1 days; 3 d) 16-30 days; e) >31 days. 1 General Provisions - No additional benefit shall be paid for surgeries. - Benefits for bone fractures, dislocations, syndesmolyses shall be paid only if the mentioned injuries are confirmed by a radiograph examination (computed tomography myelogram (CTM) or magnetic resonance imaging (MRI)) and/or confirmed by a certificate/statement issued by a medical establishment. - Multiple fracture of one bone shall be considered to be one fracture. - No insurance benefit shall be paid for implant dislocations. - Insurance benefit for the injuries of one organ suffered as a result of one risk covered shall not exceed the sum fixed for the loss of such organ. - Insurance benefits payable for the loss of a part of body/organ function shall be reduced with the benefits paid down for the injuries of such organ. - Hernias occurring as a result of physical loads/pressure (incl. weight lifting), e.g., abdominal hernia, diaphragmatic hernia, hernia of the intervertebral discs, as well as radiculopathies/neuropathies shall not be qualified as risks covered. - Insurance benefit for the injuries suffered as a result of one trauma shall be paid only under one respective paragraph defining the most severe organ injury. - No insurance benefit shall be paid for the splitting (chipping) of bone fragments, injury of the tangential bone surface integrity. - Only one insurance benefit shall be paid for the lesion (trauma) of the soft tissues and other structures of one joint. No insurance benefit shall be paid in relation to repeated lesions/traumas. - In case of severe injuries omitted in the table above, decision as to the payment of insurance benefit shall be taken by BTA s medical professional. 9/12

ACCIDENT INSURANCE Regulations No 7A-LT Annex 2 Insurance Benefit Calculation Table No. 2 No. Consequences of accidents for which insurance benefit is paid to the Insured Person under Medical Expenses, Daily Allowance and Hospital Confinement Benefit risks Central and peripheral nervous system 1. Traumatic intracranial and intracerebral hematomas and/or hemorrhages: subarachnoid hemorrhage, epidural hematoma, subdural (situated or occurring under the dura mater of the brain). 2. Brain tissue damage. 3. Cerebral damage. 4. Cerebral injuries: a) cerebral commotion treated on an outpatient basis for more than 7 days; b) cerebral commotion uninterruptedly treated on an inpatient basis for at least 24 days; c) perforating injury causing damage to the structures of the brain (fragment of a foreign body occurring in the skull or brain (not applied in case of foreign bodies remaining after brain surgeries). Insurance benefit for a repeated cerebral commotion shall be paid only if it occurs at least 6 months after a previous analogue trauma.. Acute (chemical) intoxication, electrical injuries (power discharge from electricity systems, equipment or atmosphere), tick-borne or post-vaccinal encephalitis, poliomyelitis, tetanus, foodborne toxicoinfection requiring in-patient treatment. 6. Injuries of any part of the spinal cord, including injuries of coccygeal nerve endings: commotion, concussion, partial rupture, compression, poliomyelitis, total rupture. 7. Cephalic nerve damage. Peripheral nervous system 8. Cervical, brachial and/or lumbar nerve network injury, traumatic plexitis with functional impairment; partial rupture or complete rupture of the neural network; Level of nerve injuries: radius; humeral, shoulder, scapular, pelvic, knee joints, traumatic neuritis. Cranial and facial bones 9. Cranial bone fractures: fracture of internal lamina of the cranial vault bones, fracture of the cranial vault, fracture of the skull base.. Fracture of the nasal, forehead and maxillary bones. 11. Jaw fractures, mandibular dislocation. 12. Formation of ordinary mandibular dislocation during the period of the insurance cover. 13. Jaw injuries resulting to a partial or total loss of the jaw. Visual organs 14. Paralysis of accommodation of one eye; unilateral hemianopsia. 1. Monolateral narrowing of vision field. 16. Unilateral pulsating exophthalmus. 17. Perforating eyeball injuries, iridocyclitis, retinal inflammation, cicatricial trichiasis, iris defects, malformations of the pupil. 18. Unilateral dysfunction of the lacrimal duct. 19. 2nd degree and 3rd degree burn, non-perforating eyeball injury, discharge of blood within the eye, non-magnetic vitreal foreign body in the eye, conjunctivitis, keratitis, iris scarring without causing vision impairments, iris erosion.. Eye injury causing total loss of vision. 21. Removal of the eyeball after trauma. 22. Unilateral orbital fracture. 23. Unilateral vision impairment (unaided), see Table 1). Table 1. Insurance benefit in case of traumatic vision impairment Vision acuity Vision acuity Before trauma After trauma Before trauma After trauma 1.0 0.9-0.9 0.8-0.8 0.7-0.7 0.6-0.6 0.- 0. - - - - - Hearing apparatus 24. Consequences of auricular injuries causing: traumatic deformation of the auricle as a result of the scars; loss of less than 1/3 of the auricle; loss of 1/2 of the auricle; total loss of the auricle. 2. Ear injury causing hearing impairment; hearing for whisper below 3 m; complete deafness. 26. Traumatic unilateral ear-drum rupture without causing hearing impairment. 27. Ear injury during validity of the insurance contract, causing chronic inflammation of the middle ear. 28. Sternal and rib fractures. Thoracic bones Respiratory system 29. Lung injuries, subcutaneous emphysema, hemothorax, pneumothorax, traumatic pneumonia, exudative pleuritis, foreign body in the chest cavity: unilateral or bilateral injuries. 30. Lung injuries resulting in the partial or total removal of a lung. 31. Perforating thoracic injuries, thoracotomy after trauma. 32. Laryngeal injuries, trochaic fractures, fractures in the chin area, post-traumatic tracheostomy, bronchoscopy for the removal of foreign bodies. 33. Laryngeal, trochaic, chin bone injuries, thyroid damage, post-traumatic tracheostomic tube causing breathing impairment, dysphonia or aphonia. Cardiovascular system 34. Injuries of heart, pericardia or great primary arteries. 3. Injuries of great peripheral vessels. Alimony system 36. Lingual injuries: lingual scars (irrespective of their size), loss of 1/3 of the distal part of the tongue; loss of 1/3 of the middle part of the tongue; partial or total loss of the tongue root. 37. Loss of teeth. 1. In case of loss of milk teeth, insurance benefits for traumas shall be paid in respect of children under years only. 2. Loss of teeth shall be understood as damage to least 1/4 of the tooth crown or loss of the better part of the tooth. 3. Insurance benefit shall not be paid if detachable denture is broken or damaged as a result of trauma. 38. Oral cavity, laryngeal, esophageal, gastric injuries, esophagogastroscopy for the removal of foreign bodies. 39. Esophageal injuries causing narrowing of the esophagus and impaired swallowing of liquid or soft food, esophageal obstruction, but not earlier than 6 after the trauma. 40. Impairment of the alimony system caused by acute intoxication that led to cholecystitis, duodenitis, gastritis, pancreatitis, enteritis, colitis, proctitis, paraproctitis, post-surgical adhesive diseases, cicatricial gastric, intestinal and rectal stenosis (deformations), pancreatic fistula, intestinal fistula, entrevaginal fistula, colostomy (creation of artificial anus). 41. Ulcer in the abdominal wall, diaphragm or at the scar site of abdominal surgery (which is required because of trauma). Insurance benefits shall not be paid for physiological hernias developed in the anterior abdominal wall (umbilical hernia, linea alba hernia, pelvic hernia, inguinal hernia) as a result of lifting heavy weights or physical work. 42. Hepatic impairment from traumas, severe intoxication resulting in hepatitis, hepatic rupture requiring surgery, removal of the gall-bladder. 43. Removal of a part of the liver as a result of trauma. 44. Splenic injuries resulting in splenic rupture (without rupture of the splenic capsule) and/ or removal of the spleen. 4. Gastric, pancreatic, intestinal and/or peritoneal injuries resulting in the development of the pancreatic fistula, removal of the stomach and bowels (from 1/3 and more), total removal of the bowels, stomach and a part of the pancreas. 46. Traumatic injuries to the abdominal organs resulting in laparoscopy (laparocentesis). Urinary and genital systems 47. Traumatic injuries of kidney causing unilateral or bilateral nephrectomy. 48. Post-traumatic impairment of the urinary system resulting in chronic cystitis, urethritis, pyelitis, pyelonephritis, pyelocystitis, reduced bladder capacity, glomerulonephritis, urethral stricture, renal insufficiency, urethral blockage, urinary or genital fistulas. 49. Injuries to the urinary organs requiring surgical treatment. 0. Traumatic injury of the genital system resulting in the unilateral or bilateral ovarian removal, Fallopian tube(s), unilateral or bilateral removal of testicle(s), penectomy. 1. Insured Person s rape. Soft tissues 2. Injuries of the facial soft tissues, eye-lids, chin tissues resulting in minor, medium or profound cosmetic defects and/or facial disfigurement. 3. Soft-tissue injuries in the hairy part of the head, trunk and/or extremities after healing of which there are persistent scars covering more than 2 cm2 area or soft-tissue injuries in the trunk and extremities resulting in pigment spots covering more than 1% of the body area. 4. Burn-related diseases, burn shock, traumatic shock or post-traumatic hemorrhagic shock.. Closed injuries to soft tissues with resultant post-traumatic periostitis, perichondritis, partial or total ligamentous and/or tendinous rupture; taking a segment of muscular tissue or fascia as a transplant for post-traumatic plastic surgery; non-removed strange body in the soft tissues; non-resolved hematoma (at least 1 month after the trauma). Spine 6. 1. Fracture of vertebrae or their arches. 2. Partial or total rupture of vertebral ligaments, vertebral dislocation. 3. Fracture of vertebral processes. 7. Sacrum and coccyx fractures, coccygeal bone dislocation, post-traumatic removal of the coccyx. Insurance benefits shall not be paid for hernias of the intervertebral discs, osteochondrosis, spondylosis, radiculitis, spondylolisthesis. Scapula and clavicle 8. Fracture of the scapula or rupture of the articular capsule, nonunion, false joint. 9. Fracture of the clavicle, rupture of the articular capsule. 60. Partial or total rupture of the scapulo-clavicular ligaments. Rupture of the sternoclavicular ligaments. Shoulder joint 61. Shoulder joint injuries: total rupture of ligaments or dislocation of the articular capsule in the shoulder area with shoulder immobilization, when treatment lasts for a period of 14 days or longer, factures of the articular surface of the scapula, head of the humeral bone, anatomical neck and/or the greater tubercle. 62. Shoulder joint injuries causing ordinary articular dislocation, joint ankyloses (at least 3 months after the trauma). Formation of false shoulder joint as a result of articular surface resection. Insurance benefit for the ordinary dislocation shall be paid only if it occurs during the insurance contract validity after the primary dislocation. The diagnosis should be confirmed by the medical establishment in charge for the reposition. No insurance benefits shall be paid for recurring dislocations. Upper arm 63. Humeral factures at any part of the humeral shaft; false joint (nonunion, pseudoarthrosis) persistent at least 9 months after the trauma. 64. Traumatic amputation or severe injury of the arm, amputation of the arm, including other shoulder bones (scapula, clavicle or any part thereof), transhumeral amputation. Elbow joint 6. Injuries in the elbow joint area: total rupture of ligaments, rupture of the articular capsule, dislocation of forearm bones, ligamentous sprain with immobilization, when treatment lasts for a period of 14 days or longer. 66. Fracture of bones comprising the elbow joint, ligamentous impairment. /12

67. Consequences of injuries to the elbow joint: joint stiffening (ankylosis), pseudoarthrosis confirmed by X-ray (if caused due to the resection of the articular bone surfaces). Forearm, radial bone and wrist joint 68. Fractures of the forearm shaft, total ligamentous rupture, sprain, treated for at least 14 days with immobilization involving plaster, dislocation of the wrist joint. 69. Traumatic radial and carpal injuries (bones and joint fractures, rupture of the articular capsule, ligamentous rupture). 70. Loss of arm above the wrist joint or post-traumatic amputation of the forearm as a result of severe injury. 71. Unilateral or bilateral bone fracture that led to the formation of false joint diagnosed at least 9 months after the trauma. Hand and fingers 72. Fracture or dislocation of the wrist-joint bones, nonunion of one or several bones (false joint), present at least 9 months after the date of trauma. 73. Traumatic amputation or severe injury related to the wrist amputation. 74. Hand digits (fingers): a) traumatic or surgical (relating to trauma) loss of mail at the phalanx level with the damage to phalangeal soft tissues; b) finger dislocation, tendonous impairment, rupture of the articular capsule; c) finger fracture. 7. Finger injury causing finger rigidity. 76. Post-traumatic finger amputation or severe injury leading to the amputation. 77. Loss of all fingers after trauma or injury. Pelvic bones and hip joint 78. Pelvic bone fractures: unilateral bone fracture, symphysis rupture, bilateral fracture, fracture of two bones, acetabular fracture. 79. Rupture of the pubic symphysis, rupture of the pelvisacral symphysis. 80. Fractures of the femoral head or neck, femoral dislocation, ligamentous sprain or partial rupture of the hip joint, when uninterrupted treatment lasts for a period of 14 days or more. 81. Injuries in the hip joint area, dislocation: joint stiffening, joint instability, false joint (as a result of bone resection), endoprosthesis. Pelvic bones and hip joint 82. Pelvic fracture at any level (excl. joint). 83. Traumatic amputation or severe injury causing pelvic amputation at any level. 84. Pelvic fracture causing the development of false joint (non-union). Knee joint 8. Knee injuries resulting in hemarthrosis, meniscal injuries, partial or total rupture of the ligaments, ligamentous sprain (when uninterrupted treatment lasts for a period of 14 days or more), separation of bone fragments (splinters), patellar fracture, bone fractures, development of a false joint (epiphysis of the distal part of the pelvic bone and proximal part of the femoral bone) present at least 9 months after the trauma. 86. Injuries of the knee joint causing joint stiffening, instability (as a result of bone surface resections in the knee joint). Shin 87. Fracture of the shinbones. 88. Amputation after trauma or severe injury resulting in tibial amputation at any level. 89. Fracture of one or two shinbones with resultant formation of a false joint (malunion of the fracture), present at least 9 months after the trauma. Tarsus joint 90. Injuries in the tarsus joint area (partial or total ligamentous rupture, sprain), when uninterrupted treatment lasts for a period of 14 days or more with immobilization involving plaster. Insurance benefit for a partial or total ligamentous rupture shall be payable only if it occurs at least 1 year after a previous analogue trauma. 91. Ankle fracture, fracture of the posterior edge of the tibia, rupture of the distal tibiofibular syndesmosis (syndesmolysis). 92. Consequences of injuries in the tarsus joint area: joint stiffening (ankylosis), joint instability (as a result of resection of the articular bone surface). 93. Partial or total loss of integrity in the Achilles tendon, when the Insured Person required at least 24 hours of in-patient treatment. Foot and toes 94. Unilateral foot bone dislocation, ligamentous injuries (partial or total rupture). 9. Foot bone fracture, ligamentous rupture (without bone injuries), nonunion, false joint, present at least 9 months after the trauma. 96. Foot amputation at the level of the metatarsophalangeal joint, transmetatarsal amputation, amputation in the sphenoid-tarsal joint area. 97. Traumatic nail tearing or post-traumatic surgical nail removal. 98. Phalangeal dislocations, tendonous injuries of toes, phalangeal fractures. 99. Traumatic amputation or injuries causing severe damage to toes. Other consequences of the risks covered 0. Injuries causing post-traumatic thrombophlebitis, lymphostasis, osteomyelitis, trophic impairment. Insurance benefits in case of thrombophlebitis, lymphostasis, osteomyelitis, trophic impairment, caused by traumas of upper and lower extremities (except for great peripheral vessels and nerve injuries) shall be paid at least 6 months after the trauma. No insurance benefit shall be paid a purulent inflammation of hand and foot digits. 11/12

ACCIDENT INSURANCE Regulations No 7A-LT Annex 3 Critical Illness Insurance Regulations BTA Insurance Company SE (European Insurance Company), Lithuanian Branch Office, offers accident insurance contracts in accordance with the General Insurance Regulations approved by Resolution No. 90 of 19 October of the Board of BTA, Accident Insurance Regulations approved by Resolution No. 26 of 1 March 11 of the BTA Board and the Regulations herein to provide additional insurance cover against Critical Illnesses. 1. Definitions as used in the Regulations Initial Diagnosis of the Illness temporary diagnosis of the illness recorded in writing in the medical documentation of the Insured Person based on the symptoms of the illness and illness anamnesis data. Final Confirmed Diagnosis of the Illness illness diagnosis proved by respective laboratory and instrumental medical examinations and confirmed in writing by the opinion of a respective certified doctor in the medical documentation of the Insured Person. Initial Date of Illness the date when the Final Confirmed Diagnosis of the Illness is determined. The Initial Date of the Illness is also deemed the date when the Initial Diagnosis of the Illness is registered, provided that it is confirmed in writing as the Final Confirmed Diagnosis of the Illness by the opinion of a respective certified doctor no later than within 1 (one) month after the expiry of the insurance contract. Waiting Period a period from the date of the insurance contract coming into force, during which insurance benefits are not paid out to the Insured Person upon establishment of the Final Confirmed Diagnosis of the Illness or in case of the Insured Person s death caused by the illness. The Waiting Period shall be 90 (ninety) days, unless stipulated otherwise in the insurance contract. The Waiting Period shall not be set, if an insurance contract is concluded with the Policyholder and there is no gap between the original and the newly concluded insurance contract validity. Surviving Period a period from the Initial Date of Illness, surviving which the Insured Person receives the insurance benefit. The Surviving Period shall be 28 (twentyeight) days, unless stipulated otherwise in the insurance contract. 2. Insurance object and cover provided 2.1. The insurance object is the health of the Insured Person. 2.2. In addition to the insurance cove referred to in the Accident Insurance Regulations, the Insured Person may be provided with insurance cover against Critical Illnesses referred to in paragraph 2.3 below. This cover shall be valid only when specially agreed upon in the insurance contract. 2.3. Pursuant to these Regulations, the event insured occurs on the Initial Date of Illness in case of any of the below listed illnesses, provided that the critical illness is not a consequence, complication or a secondary diagnosis of another illness: 2.3.1. Myocardial infarction (heart attack) the damage in the myocardium, death of cells (necrosis) as a result of oxygen deprivation, which in turn is caused by obstruction of the blood supply. This diagnosis must be confirmed by all of the following criteria corresponding to the condition of the first myocardial infarction: 1) sudden, very intense burning, tearing, choking pain in the chest; 2) new electrocardiographic changes that prove the heard attack; 3) increase in cardiac markers typical to the heart attack. The Final Confirmed Diagnosis of the Illness with all the listed symptoms must be confirmed in writing by a cardiologist. If any of the symptoms is not established, the event is not considered as risk covered. However, the following illnesses shall not be considered risks covered: - micro-infarction; - silent infarction; - angina attacks; - other acute coronary syndromes. 2.3.2. Stroke sudden disturbance in the blood supply to the brain caused by arterial embolism, vein thrombosis or cerebral hemorrhage resulting in permanent neurological damage. This diagnosis must be substantiated by all of the following criteria: 1) permanent neurological damage must be confirmed by a neurologist no earlier than within three months after the stroke or later and persistent after the applied therapy; 2) magnetic resonance image, computed tomography or other evidence of similar imaging technique indicating the diagnosis of the first stroke. The Final Confirmed Diagnosis of the Illness must be confirmed in writing by a neurologist. However, the following illnesses shall not be considered risks covered: - transient ischemic attack; - micro-stroke; - brain damage caused by an accident (trauma, injury). 2.3.3. Cancer a primary formation of malignant cells with uncontrolled proliferous growth inside the body resulting in invasion and destruction of adjacent tissues or distant metastases in other organs. Cancer diseases also include leucosis and lymphoma. This diagnosis must be substantiated by a histological opinion on the malignant tumor confirmed by an oncologist or pathologist. The diagnosis is considered as finally confirmed on the date the histological examination diagnosis is determined. The Final Confirmed Diagnosis of the Illness must be confirmed in writing by the opinion of an oncologist. However, the following illnesses shall not be considered risks covered: - benign or precancerous stage tumors; - pre-invasive tumors and in situ tumors (Tis*); - cervical dysplasia CIN I-III; - urinary bladder carcinoma in stage TA*; - chronic lymphocytic leukemia (CLL); - all skin tumors; - all tumors in the presence of HIV or AIDS infection; - prostate cancer, histologically diagnosed as T1*. * According to the international TNM classification. 2.3.4. Chronic renal failure chronic, irreversible failure of both kidneys, when the treatment requires regular peritoneal hemodialysis or kidney transplantation and that has developed on the background of a chronic kidney illness. The Final Confirmed Diagnosis of the Illness must be confirmed in writing by the opinion of a nephrologist. 2.3.. Paralysis complete irreversible functional weakness of two or more extremities caused by a spinal cord injury. This illness is considered a risk covered and insurance benefit is payable, if the diagnosis is confirmed by a neurologist and remains permanent 6 (six) months thereafter, and this is confirmed in writing by the neurologist s opinion. However, the following illnesses shall not be considered risks covered: - flaccid paraparesis; - paralysis in the event of Guillain-Barre syndrome. 2.3.6. Multiple or disseminated sclerosis a general disease of the central nervous system (brain and spinal cord) in which the myelin sheaths around the axons are damaged. It causes various physical, perception and sensation disorders that can progress to complete functional inability and death. The said diagnosis must be substantiated by appropriate tests, motor and sensor function disorder symptoms, magnetic resonance imaging. The Final Confirmed Diagnosis of the Illness must be confirmed in writing by the neurologist s opinion. 2.3.7. Primary diabetes mellitus type 1 chronic pancreatic disease characterized by increased blood sugar level in the background of reduced or missing insulin production. Insufficient function of the pancreas is compensated by regular insulin injections. The said diagnosis must be substantiated by relevant laboratory analyses. The Final Confirmed Diagnosis of the Illness must be confirmed in writing by the endocrinologist s opinion. However, the following illnesses shall not be considered risks covered: - diabetes mellitus type 2; - secondary diabetes mellitus; - other types of diabetes; - gestational diabetes. 2.3.8. AIDS being infected with the human immunodeficiency virus in the last, lifethreatening stage, when the human immune system is not able to fight bacteria and virus infections that do not cause any illness to normal immune systems. The disease referred to in this paragraph is considered a risk covered and insurance benefit is payable if during the validity period of the insurance contract the HIV infection and AIDS are diagnosed for the first time. The Final Confirmed Diagnosis of the Illness must be confirmed in writing by the officers of the Lithuanian Centre for Communicable Diseases and AIDS. 2.4. When the Initial Diagnosis of the Illness is registered during the validity period of the insurance contract and confirmed in writing as the Final Confirmed Diagnosis of the Illness by the opinion of a respective certified doctor after the expiry of the insurance contract, but no later than within a period of 1 (one) month after the registration of the Initial Diagnosis of the Illness, this shall be considered a risk covered. 2.. If the Insured Person dies after the expiry of the Surviving Period due to any of the illnesses referred to in paragraph 2.3, BTA shall pay out insurance benefit provided that the Final Confirmed Diagnosis of the Illness was determined in writing when the Insured Person was still alive. 3. Insurance benefit and benefit payment procedure 3.1. In order to receive insurance benefit, the Insured Person (a person who is entitled to receive the insurance benefit in the event of the Insured Person s death) is obliged to immediately, as soon as possible, notify BTA of both the Initial Diagnosis of the Illness and the Final Confirmed Diagnosis of the Illness (in the event of death of the death and the reason of death) by submitting the documents confirming this fact to BTA. If BTA is informed of the said fact within more than 30 (thirty) days after the confirmation of the respective diagnosis (in the event of death from the day of death), the said persons must prove that it was impossible for them to inform BTA earlier. 3.2. After expiry of the Surviving Period, BTA pays out a single insurance benefit amounting to 0% (one hundred per cent) of the sum insured specified in the insurance contract for the cover against Critical Illnesses. 4. Miscellaneous 4.1. The insurance cover provided by these Regulations shall be valid all over the world, unless the insurance contract stipulates otherwise. 4.2. Any issues omitted in the Regulations above shall be settled in accordance with the provisions laid down in the General Insurance Regulations, Accident Insurance Regulations and insurance contract as well as in compliance with the legislation valid of the Republic of Lithuania. 4.3. The Regulations shall come into effect from the date of being approved by the BTA Board. 12/12