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ESSENTIEL AU PAIR 4.091.803

Insurance dedicated to Europeans in Europe, secondary to national insurance scheme or EHIC coverage.

ESSENTIAL AU PAIR INSURANCE GENERAL TERMS AND CONDITIONS AIG N° 4.091.803

This contract has been created and negotiated by AVI INTERNATIONAL SAS, an insurance brokerage company with a share capital of 100,000 €, of which the registered offices are at 40-44 rue Washington, 75008 Paris, registered at the Paris company registration office under the number 323 234 575, and at the ORIAS under the registration number 07 000 002 with AIG Europe Ltd, hereafter defined as the "insurer", on behalf of its partners hereafter referred to as the "Subscribers"

CONTENTS

CHAPTER 1 – Definitions CHAPTER 2 – Type, amount and exclusions from the contract Article 1: "Baggage theft, loss and destruction" coverage Article 2: "Delayed baggage" coverage Article 3: "Delayed travel" coverage Article 4: "Assistance, Repatriation, Medical fees" coverage Article 5: "Third party liability "coverage Article 6: "Personal accident" coverage Article 7: "Au Pair" coverage if the Au Pair is the Policyholder Article 8: "Host Family" coverage if the Host Family is the Policyholder Article 9: "High Risk Sports" extended coverage Article 10: Exclusions common to all coverage Article 11: Procedure in the event of a claim CHAPTER 3 – Miscellaneous

CHAPTER 1 – DEFINITIONS

THE DEFINITIONS BELOW ARE APPLICABLE TO ALL COVERAGE EXCEPT FOR THE DEFINITIONS THAT ARE SPECIFIC TO EACH ONE. For the application of this contract, the terms below are defined as follows: Accident Any bodily injury, not inflicted intentionally by the Insured, caused by a sudden and unforeseeable external action suffered by the Insured after the contract's date of coming into effect. Assistance Centre AIG Assistance and AVI Assistance mandated by the insurer. Baggage Travel bags, suitcases, objects and personal effects required by the Insured for their personal use during the Trip, excluding any items of clothing worn by the Insured. Beneficiary The Insured themselves, or in the event of their death their legal beneficiaries, or the Host Family for certain types of coverage when the Host Family is the Subscriber.


Civil war An armed conflict opposing two or more parties belonging to a same State of which the opposing parties belong to a different ethnic group, religion or have a different ideology. Are especially considered to be a civil war: armed rebellion, a revolution, a mutiny, a coup, the consequences of martial law or of the closure of borders ordered by a government or local authorities. The burden of proof that the claim is the result of a civil war is on the Insured. Claim The occurrence of an event defined in the contract. All the events attached to a single generating cause are considered to be the same claim. Claim declaration and management centre AVI INTERNATIONAL, mandated by the Insurer Country of Origin The usual place of residence of the Insured. Elimination period Period during which no claims can be covered. Emergency dental care This refers to the relief of pain relative to a tooth or gum infection that was contracted and begun after the effective arrival date in the host country and requiring emergency care. Europe The countries that are part of the European Economic Area (including the French "Départements et Régions d'Outre-Mer") as well as Switzerland, Monaco and Andorra Excess A fixed amount defined by the contract which remains at the expense of the Insured in the event of compensation following a Claim. An Excess can also be expressed in hours, days or as a percentage. In these cases the guarantee becomes applicable on expiration of the fixed period or beyond the defined percentage. Family: The Insured's Partner, the Insured's father, mother, grandparents, children, grandchildren, sons-in-law, daughters-in-law, sisters and brothers and/or those of their Partner. Foreign country A country other than that in which the Insured has her/his home address. Foreign war An armed conflict, whether declared or not, between one State and another. An invasion or a state of siege are also considered to be foreign wars. If an Accident occurs, the burden of proof that the claim is the result of an action that is not caused by a foreign war is on the Insured. Funeral costs Corpse preparation fees mandatory under local legislation, casket (basic model), ceremony and burial fees. High risk sports The practise of dangerous sports: damage consecutive to the exercise of hunting or consecutive to the participation in official competitions and their qualifying rounds as well as attempts to break records are all excluded. Home address The usual place of residence of the Insured. In the event of a dispute, the tax address shall be considered to be the Home Address. Hospitalisation The fact of receiving care in a Hospital establishment requiring a stay of a minimum of 24 consecutive hours.


Are considered to be a Hospital establishment: a hospital or clinic authorised to carry out acts and treatments on sick or injured persons, that have the authorisations of the local public authorities to carry out these practises, and the staff required to do so. Host Family The person or persons hosting the Insured in the Trip country in exchange for various services. Illness Any alteration in health or any physical disorder certified by an authorised medical authority during the period the contract is applicable. Insurance start date and coverage period Once an insurance proposal has been made and the premium for a given insurance coverage has been paid, the covered period begins: a) at the start date indicated on the insurance certificate; b) or, if later, on the date the Insured leaves their Country of Origin. The insurance coverage ends on the date the Trip for which the Insured was covered ends, as indicated on the insurance certificate. A 2 week maximum extension is possible for tourism after the Au Pair part of the trip. Insured or Insured Au Pair The persons of less than 30 years of age, having their home address in Europe, which the surname and first name are mentioned on the subscription form - or the list of participants provided by the Member - and on the insurance certificate and who have paid the corresponding subscription fee, who are travelling to a foreign country for an Au Pair Trip to a Host Family, and who can justify their status as a trainee family help to the URSSAF and LA DIRECTE in France and their equivalent organisations in a foreign country. Insurer AIG Europe Limited, a company registered in England and Wales under the number 01486260. Registered office: The AIG Building, 58 Fenchurch Street, London EC3M 4AB, United Kingdom Head office for France: 16 place de l’Iris 92400 Courbevoie. Postal address: Tour CB 21-16 place de l’Iris 92040 Paris la Défense Cedex. RCS Nanterre 752 862 540. Items of First necessity Items of clothing and toiletries required to allow the Insured to temporarily cater for the absence of their personal effects. Maximum per event If the insurance covers several Insured who are victims of a single event, the Insurer's coverage is limited to the maximum amount defined for this coverage whatever the number of victims. Going forward, the compensation is reduced and prorated proportionally to the number of victims. Member The legal entity that offers and organises Au Pair Trips and has subscribed to this contract with the Insurer via AVI INTERNATIONAL on behalf of its members, subscribers and customers Non essential Surgery and Treatment Amongst others, surgery or treatments resulting from: acne, allergies including allergy tests, any regular check-up or examination and regular contraceptive checks, plastic surgery of all types not consecutive to a covered Accident, circumcision, helosis or bunions, cosmetic treatments of any kind not consecutive to a covered Accident, surgery and treatment of congenital malformations, health checks, fertility tests (men and women), hormonal treatments, incontinence, the treatment of warts, cysts, preventive treatment or vaccines, not consecutive to a covered event, treatment for insomnia, tubal ligation, vasectomy, slimming treatments. Pre-existing conditions This policy does not cover pre-existing conditions (see the exclusions chapter). A pre-existing condition is an Illness, injury or medical condition, whether or not diagnosed by a doctor: a) the symptoms of which the Insured had before the insurance came into effect; or b) imposing or requiring a medical examination of the Insured before the insurance came into effect; or c) existing before the insurance came into effect. This includes all complications or recurrences of a medical condition certified by a healthcare professional.


Are excluded: routine check-ups, exploratory examinations, the prescription of medication, all modifications in type or dosage of medication and in general all medical examinations, laboratory and radiography analyses etc. relative to this pre-existing condition. Property made available Movable or immovable property belonging to third parties of which the Beneficiary has the temporary use. Reasonable normal fees Normal medical fees considered reasonable for the region for medical care required by the Insured for their treatment compared to similar cases of the same type and seriousness. The coverage shall therefore not, in any case, include medical fees considered by the Insurer to be disproportionate taking into account the above. Serious accident Any bodily injury, not inflicted intentionally by the Insured, inflicted by a sudden and unforeseeable external cause after the contract's date of coming into effect, certified by an authorised medical authority and making it impossible for the Insured to travel by their own means.

Serious illness

Any sudden change in state of health confirmed by an authorised medical authority and leading to the stopping of all professional or other activity, and which has an uncertain outcome or a long evolution requiring intensive medical treatment and usually admission to hospital for tests and treatment. Subscription application A document correctly filled in by the Insured, on which are mentioned their surname and first name, date of birth, address, Trip dates, destination country, the coverage period, the option chosen if applicable, the date the document was drawn up and the amount of the corresponding insurance premium. In the event of a Claim, only subscriptions for which the full corresponding premium has been paid will be taken into consideration by the Insurer. Policyholder: The person who subscribes to and pays the insurance premium on behalf of the Insured. The Policyholder can be the Insured himself or the Host Family. Territoriality Europe. Trip or Au Pair Trip Period of 12 consecutive months maximum by the Insured in a Foreign Country for the purpose of improving their language skills and providing Home help and/or Child care tasks for a Host Family in exchange for remuneration exclusively in kind. Trip Country The country in which the Insured is on the Au Pair Trip. Valuables Valuables are considered to be valuable objects, jewellery, objects made from precious metals, precious stones, pearls, wristwatches, furs, hunting guns, photographic equipment, cinema equipment, mobile computer and telephone equipment, sound and image recording and playing equipment, the accessories for this equipment and objects other than clothing having a unit value of more than 500 €.

CHAPTER 2 - TYPE, AMOUNT AND EXCLUSIONS FROM THE COVERAGE

INTERNATIONAL AU PAIR is a group insurance contract designed and negotiated by AVI INTERNATIONAL with the Insurer for its Member partners and governed by these General Terms and Conditions and the French Insurance Code. The scope of the coverage, its implementation and all other relevant terms and conditions are described in this document and in the summary of the coverage.


The subscription fee is indicated when subscribing with the Member partner. The purpose of this insurance policy, within the limits and conditions defined below, is to insure the Insured under this contract during the Au Pair Trip they are making in Europe.

It is agreed that this coverage and these services cannot be subscribed to separately from each other. Subscription to this contract is for a fixed term of a maximum of 12 months. Only these contractual terms and conditions and the information mentioned on the Insured's subscription application are applicable in the event of a claim or a dispute between the parties. All terms beginning with a capital letter have been defined in Chapter 1. Date of effect and duration of the coverage:

- Insurance coverage The insurance coverage for "Baggage loss, theft or damage", "Delayed baggage delivery", "Delayed transport", "Personal Accident" and "Third Party Liability in a foreign country", as well as "Au Pair" and "Host Family" coverage, come into effect on the departure date and remain in effect during the full duration of the Trip in compliance with the dates and destination countries indicated on the Subscription application form. They automatically cease to have effect on the return date indicated on the Subscription application or the end of coverage date indicated on the insurance certificate. The "Refund of registration fees to the Host Family on cancellation of the Au Pair" coverage comes into effect as soon as the Insured subscribes to this contract in compliance with the information indicated on their Subscription application. It automatically ceases on the departure date indicated on the insurance certificate. - Assistance coverage Assistance coverage comes into effect on the departure date and automatically ceases on the return date indicated on the insurance certificate or on the Subscription application.


SCHEDULE OF BENEFITS

COVERAGE MAXIMUM AMOUNTS

Medical Costs

Medical Costs / Hospital fees EUROPE 100,000 €

For temporary stays of less than 30 consecutive days in the Country of Origin

maximum 25,000 €

Psychiatric and psychological care

3 calls to psychological/psychiatric assistance or the refund of psychologist/psychiatrist fees

Maximum of 100€ fee refund

Emergency dental care 500 € maximum

Dental fees in the event of an Accident 420 € per tooth maximum

1000 € per year

Personal Assistance in the event of an Illness or an Accident

Dispatch of a doctor to a foreign country Actual costs

Dispatch of medication to a foreign country Actual costs

Transport of the Insured to the medical centre Actual costs


Repatriation of the Insured to their Home in the Country of Origin Actual costs

Visit by a family member in the event of a Hospital admission

Return ticket and Accommodation costs

* 1 person If Hospitalisation > 3 days: maximum 1,600 €

* 2 persons If Hospitalisation > 7 days: maximum 3,000 €

Early return of the Insured Return ticket

Transmission of urgent messages Telephone service

Search and rescue fees 2,000 €

Advance of criminal bail in a foreign country 3,000 €

Coverage of legal representation fees 10,000 €

Assistance in the event of death

Repatriation of the body if the event of death in a foreign country Actual costs

Funeral fees including casket or urn fees 2,500 €

Identification of the body and death formalities Return ticket

Assistance during the Trip

Theft or loss of means of payment, identity documents & plane tickets: Advance of funds

maximum 1,000 €

Key cutting fees in the event of lost keys maximum 40 € per set of keys and

per year


Third Party Liability Insurance, including during the "Au Pair" activity

Bodily injuries Up to 4,500,000 €

Damage to property Up to 450,000 €

Damage to property at the Host Family 500 € maximum

Excess 100 €

Baggage

Theft, loss or destruction of Baggage 1,800 € maximum per person

Late baggage delivery 175 € per person

Delayed transport 420 € maximum per person

Personal Accident

Death 8,000 €

Invalidity 40,000 €

Disfigurement 11,900 €

"Au Pair" coverage

Refund of hotel fees in the event of the transfer of the Insured Au Pair to another Host Family

40 €/night - maximum 6 nights, i.e. 240 €

"Host Family " coverage

Refund of the registration fees to the Host Family in the event of the cancellation or interruption of the Insured Au Pair due to Illness/Accident/medical repatriation and the impossibility of finding a replacement

maximum 250 €

This Schedule of benefits presents the coverage that is detailed in the following information document.


ARTICLE 1 THEFT, LOSS, DESTRUCTION OF BAGGAGE COVERAGE OBJECT OF THE COVERAGE The coverage provides for the refund, within the limits of the amounts defined in the "Schedule of benefits" and minus the excess defined therein: - of the loss, theft or total or partial deterioration of the Insured's Baggage during its transport by a transport company or during transfers organised by the Airline, - of the theft of the Insured's Baggage during the stay, - of the total or partial deterioration of the Insured's Baggage resulting from theft or attempted theft, fire, explosion, lightning strike, natural disaster, - of the theft of the Insured's Baggage transported out of sight, by breaking into the trunk of a non convertible, properly closed and locked vehicle. When the vehicle is parked on a public thoroughfare the coverage is only valid between 7 am and 10 pm (local time). In all cases the Insured must supply the proof of the time at which the theft was committed. The value of lost, stolen or damaged objects is that of their purchase price reduced by an ageing factor defined as follows: on the first year following purchase the refund value shall be calculated as 75% of the purchase value. Starting from the second year following the purchase, the value will be reduced by 10% per year without, however, being less than 5% of the purchase value. When the loss, theft or total or partial destruction of the Insured's Baggage is covered by the third party liability of a transport company with which they were properly registered, the Insurer's coverage applies after application of, and exclusively as a complement to, the compensation the transporter must pay without exceeding the maximum amounts indicated in the "Schedule of Benefits". - Valuables are covered within the limits of the amounts indicated in the "Schedule of benefits". Furthermore, jewellery, valuables, wristwatches are only covered for theft when carried or worn by the Insured, used by the Insured, or placed in a personal locker or in the hotel safe. EXCLUSIONS SPECIFIC TO THE THEFT, LOSS, DESTRUCTION OF BAGGAGE COVERAGE Besides the common exclusions indicated in Chapter 2 article 10 are excluded: • Documents, identity documents, credit cards, magnetic cards, transport tickets and vouchers, cash, stocks and shares, keys, skis, bicycles, windsurf boards, boats or any other means of transport, professional equipment, musical instruments, works of art, antiques, collections, goods, spectacles, contact lenses, prostheses and appliances of all types, clothing or accessories worn by the Insured, perishable goods or foodstuffs. • Smoker Accidents as well as damage caused to objects that fall or are thrown into a fire or burns caused by excess heat without causing flames (scalding). • Loss and damage caused by normal wear and tear, age, defects inherent to the object. • Deterioration caused by mites or vermin, by a cleaning, repair or renovation process, by wetting or dripping. • The incorrect handling of the object by the Insured or by any other person. • Bad packaging or defective packing. • When the objects are left in a public place without surveillance or on unlocked premises made available for several occupants to share or when the objects are in a convertible car, a vehicle of which the windows are open or of which the doors or trunk are not locked. • Damage resulting from confiscation, seizure or destruction on the orders of a public authority. • the theft of jewellery when not placed in a locked safe or not worn by the Insured. • the breakage of fragile objects such as porcelain, glass, ivory, pottery, marble objects. • indirect damage such as loss of value and loss of use. • theft without breaking and entering found and reported by an authority (police, transport company, purser, etc.).


ARTICLE 2 DELAYED BAGGAGE COVERAGE OBJECT OF THE COVERAGE The coverage provides for the refund, within the limits indicated in the "Schedule of benefits", of the purchase of Items of 1st necessity by the Insured when their Baggage, which was properly checked in and placed under the responsibility of the airline they are travelling on, arrives over 24 hours after the Insured's time of arrival at the destination airport. EXCLUSIONS SPECIFIC TO THE DELAYED BAGGAGE COVERAGE, Besides the common exclusions indicated in Chapter 2 article 10 are excluded: • Claims not notified to a competent person employed by the airline on which the Insured is travelling on discovery that their Baggage has been delayed or lost. • Delays resulting from the confiscation or requisition of the Insured's Baggage by Customs or by government authorities. • Refunds of items of first necessity, clothing and toiletries purchased by the Insured more than 4 days after their actual arrival time at the destination airport. • Delays occurring during the return of the Insured to their Home address. • Delays shorter than the excess expressed in hours defined by the coverage relative to the Insured's time of arrival. SPECIAL MEASURES TO BE TAKEN IN THE EVENT OF DELAYED BAGGAGE Besides the measures defined in the "WHAT TO DO IN THE EVENT OF A CLAIM" chapter, the Insured or their representative must: - Have the delayed delivery of Baggage certified by the airline on which the Insured is travelling. - Notify the Management centre (see chapter 2, article 11.2) by registered letter within 5 working days. Beyond this deadline the Insurer reserves the right to forfeit the coverage.

ARTICLE 3 DELAYED TRANSPORT COVERAGE The Insured benefits from this coverage for outward and return trips by plane, train, coach or boat, compliant with the dates and destination countries indicated on the Subscription application.

OBJECT OF THE COVERAGE The coverage provides for the refund, up to the amount and the delayed transport excesses indicated in the "Schedule of benefits", of meals, refreshments, hotel, return airport/port/station transfers and unused ground services engaged as a result of a transport delay compared to the initially planned departure time indicated on the transport documents. The coverage applies on condition that the Insured's departure on the booked means of transport has effectively occurred. It also only applies if the delay is not covered by the transport company or as a complement to the service it provides.

The Insured benefits from this coverage for outward and return plane trips compliant with the dates and destination countries indicated on the Subscription application. This coverage only applies to Regular Flights of airlines of which the timetables are published, and Non Regular, Charter type, flights of which the times are indicated on the plane ticket or communicated to the Insured by the Trip organiser. In the event of a dispute, the "ABC WORLD AIRWAYS GUIDE" shall be used as the reference to determine the times of flights and connecting flights. In the event of a claim the following documentary proof must be provided:

- The original boarding card - a certificate issued by the transport company or authority concerned confirming the reason for the delay

and its duration


EXCLUSIONS TO THE DELAYED TRANSPORT COVERAGE Besides the common exclusions indicated in Chapter 2 article 10 are excluded: • Claims that occur because the Insured did not arrive at the check-in on or before the recommended time. • Claims for which the Insured has not obtained a certificate from the transport company or the authority in question confirming the reason for the delay and its duration. • Any claim resulting from strikes or industrial action that were planned and publicly announced before the departure date. • The temporary or permanent removal from service of an aircraft, a train or a ship by order of airport authorities, public authorities, port authorities, civil aviation authorities, or any other authorities, that have been announced more than 24 hours before the departure date • Any missed transport on which the Insured's booking was confirmed, whatever the reason. • Any boarding refusals due to overbooking. • Transport cancellations by the transporter. • Refused access on board following the failure to respect the baggage check-in time limit and/or failure to arrive at the boarding gate; • Events for which the Travel agent may be liable under sections VI and VII of French Act n° 92-64 5 of 13 July 1992 defining the conditions to fulfil to exercise the organisation and sale of trips, including the possible practise of overbooking; • Delays shorter than the excess expressed in hours for the coverage compared to the Insured's planned departure time.

ARTICLE 4 REPATRIATION ASSISTANCE, MEDICAL COSTS REPATRIATION ASSISTANCE INTERVENTION CONDITIONS For all interventions it is imperative that the Insured or their representative contact the Insurer first. The contact details are given in the "WHAT TO DO IN THE EVENT OF A CLAIM" chapter. In all cases, only the Assistance's medical authorities have the power to decide repatriation, the choice of means of transport and the place of Hospitalisation and, if necessary, contact the treating physician on site and/or the family doctor. Bookings are made by the Assistance which has the right to request unused transport tickets from the Insured. The Assistance only has a duty to cover the costs that are additional to the costs the Insured would normally have incurred for their return. TYPE OF BENEFITS AND COVERAGE Dispatch of essential medication not available on site in a foreign country The Assistance finds the medication required for the Insured present in a foreign country and dispatches it as quickly as possible within the limits of the legislation of the country in which the Insured is staying. The cost of the medication remains at the expense of the Insured. Treatments that are ongoing at the time of departure are not covered. Contraception is not considered to be medication. Dispatch of a doctor to a foreign country If the Assistance considers that the state of health of the Insured or the circumstances require it, they will send a doctor or a medical team in order to better assess the measures to be taken and organise them. Transport of the Insured to the medical centre The Assistance organises and covers the transport of the Insured to a more suitable or better equipped Hospital establishment. Depending on the seriousness and the circumstances the Insured is transported by train in a First class seat, sleeper, or sleeping car, an ambulance or light medicalised vehicle, a regular airline either in a seat or on a stretcher, or in a private medical aircraft. Repatriation of the Insured person to their Home in the Country of Origin The Assistance repatriates the Insured to their Home address in the Country of Origin when they are fit to leave the hospital establishment. Repatriation and the best suited means to carry it out are decided and chosen by the Assistance in the same conditions as above.


Provision of travel tickets and coverage of accommodation costs for one or two of the Insured's Family members in the event of extended Hospitalisation In the event of the Insured being Admitted to hospital for more than 3 consecutive days, the Assistance company provides one family member (for admissions to hospital for more than 3 days), or two family members (for admissions to hospital for more than 7 days) residing in their Country of origin, an economy class return plane ticket or return first class rail ticket to enable them to travel to their bedside. Furthermore, the Assistance organises and covers the cost of the stay of this person within the limits of the ticket and accommodation amounts indicated in the "Schedule of benefits" Early return of the Insured The Assistance organises and covers the return of the Insured to their Home Address in their Country of Origin, on condition that the initial travel tickets for the Trip cannot be used, in the event of: • The death of a member of the Insured's family, • The Hospitalisation of a Family member for more than 48 hours If the Insured does not use the Assistance to organise their return but decides to return by their own means, the Insurer will refund the Insured the transport costs within the limits of the amount indicated in the "Schedule of benefits". Transmission of urgent messages On explicit request by the Insured, the Assistance will transmit urgent and strictly personal messages to a recipient in France 24*7. Psychological assistance (medical and psychological support) In the event of an Accident or an Aggression during the Trip, the Assistance's medical team is available to the Insured 24*7 to provide human and personal support, in order to analyse the situation and their needs and to determine the type and extent of the difficulties to overcome. When appropriate, the Assistance will put the Insured person into contract with a medical-social and psychological counsellor for 3 calls.

Search and rescue costs The Insurer will refund, within the limits of the amount indicated in the "Schedule of benefits", the cost of search (including by sledge) and rescue (including by helicopter) corresponding to operations organised by civil or military rescue personnel or by organisations specialised in the duty to act following the disappearance of, or physical accident involving, the Insured. Only the costs incurred by the organisations authorised to rescue the Insured which are invoiced to them can be the subject of a refund. Legal assistance in a foreign country If the Insured is incarcerated or under threat of being incarcerated, and on condition that the acts they are accused of are not punishable as a criminal offence by local legislation, the Assistance will cover the costs of a lawyer within the limits of the amount indicated in the "Schedule of benefits" above. Criminal bail in a foreign country If the Insured is incarcerated or under threat of being incarcerated, and on condition that the acts they are accused of are not punishable as a criminal offence by local legislation, the Assistance will advance the amount of bail requested from the Insured within the limits of the amount indicated in the "Schedule of benefits" above. The Assistance grants the Insured a period of three months starting from the day the money was advanced to refund it. If the bail is refunded by the country's authorities before this deadline it must immediately be returned to the Assistance. If the Insured is summoned to court and fails to appear, the Assistance requires the immediate refund of the amount of the bail that it cannot recover due to the failure to appear in court. Legal proceedings may be taken if the bail is not refunded within the scheduled deadline. Repatriation of the body if the Insured is deceased If the Insured deceases during the Trip, the Assistance covers and organises the transport of the body or ashes of the Insured to the place of burial in the Home address country. Funeral and casket costs are covered within the limits of the amount indicated in the Schedule of benefits. Death formalities The Assistance will organise and pay for an economy class return ticket if the presence on site of a family member of the deceased Insured is essential to identify the body and for the repatriation or cremation formalities.


Advance of funds In the event of the loss or theft of the Insured's means of payment (bank cards, cheque book…), of their identity documents (such as passport, visa or identity card) and/or of their return plane ticket, the Assistance will provide the Insured with an amount, the maximum of which is indicated in the "Schedule of Benefits", in order to help in their replacement. As a counterpart, the Assistance will require a financial guarantee in the Country of Origin in parallel. The Insured has a period of 3 months to refund this advance starting from the date the funds were released. Key cutting fees in the event of lost keys In the event of the loss of the keys to the Host Family's house, the Insurer will refund the Insured the cost of replacing the keys up to the amount indicated in the "Schedule of Benefits" and according to the invoice. Exceptional circumstances The Assistance's duty is based on a duty of resources and not a duty of result. The Assistance cannot be held liable for the non-performance or delayed performance of coverage due to Civil war or Foreign war, whether declared or not, to general mobilisation, any requisition of men and/or equipment by the authorities, any acts of sabotage or terrorism, any labour dispute such as a strike, riot, popular uprising, any restriction to the free circulation of goods and people, natural disasters, the effects of radioactivity, epidemics, any chemical or infectious risks and all cases of force majeure. MEDICAL COSTS OBJECT OF THE COVERAGE The coverage provides for the refund of medial costs (care, Hospitalisation costs, pharmaceutical costs, fees and ambulance costs) following an Accident or Illness that the Insured has suffered during a Trip, within the limits defined in the "Schedule of benefits" above. This expenditure must be exclusively prescribed by a medical authority holding the qualifications or authorisations required by the country in which it practises and which is legally authorised to exercise. This coverage is limited to the refund of the actual costs incurred by the Insured. The Insured's coverage only comes into play as a complement to the refunds made by the French Social Security or any other equivalent organisation of the EHIC type. It is up to the Insured to send the Claim management centre the refund documents from these organisations in order to be eligible for the additional coverage of medical fees under this contract. Advance of hospital fees If the Insured so wishes, the Assistance can advance Hospital fees in a foreign country within the limits per person and per claim defined in the "Schedule of Benefits" above, on condition that the Insured undertakes to apply to the Social Security and any other insurance organisation for the partial total refund of the amounts spent. The Insured also undertakes to refund the amounts assigned to them by the insurance organisations to the Assistance. SPECIAL MEASURES TO TAKE IN THE EVENT OF HOSPITALISATION If the Insured has an Accident or Illness requiring hospitalisation, the Insured (or their legal representative), except in the case of force majeure, must first contact the Assistance which will communicate the full contact details for the closest approved hospital establishment to the location of the Insured. If the condition of the Insured (or their legal representative) is such that they cannot establish this contact before Hospitalisation, they must contact the Assistance as soon as conditions make it possible to do so. Medical costs in the Country of Origin If the Insured temporarily stays in their Country of Origin for a period of less than 30 consecutive days (for example for holidays) even though their planned Trip in a Foreign country has not expired, and if their contract is still valid, in compliance with the dates mentioned on their Subscription application and insurance certificate, they will be eligible for the coverage of medical fees consecutive to an Accident or an Illness. This coverage is limited to the amount defined in the "Schedule of Benefits" above, and is complementary to the French Social Security or equivalent depending on the Country of Origin for persons covered by National Insurance.


DETAILS ON LIMITS • Medical fees excluding Hospitalisation: 100 % of actual fees within the limit, per person and claim, defined in the "Schedule of benefits" and current non-excessive and necessary fees. • Hospitalisation fees: 100 % of actual fees within the limit, per person and claim, defined in the "Schedule of benefits" and current non-excessive and necessary fees. • Emergency dental care 100 % of actual costs within the limits, per person and per year, defined in the "Schedule of benefits" and current necessary and non excessive costs incurred for urgent dental care (that cannot be postponed, due to the pathological condition of the Insured person) and for the following dental care: dressing, filling, pulp removal, or tooth extraction • Dental fees following an Accident (orthodontics, prosthesis): medically certified: 100% of actual costs within the limits, per person and per year, defined in the "Schedule of Benefits" for emergency dental care provided by a dentist/orthodontist for the treatment of natural teeth following an accidental shock to the mouth. • Maternity related medical fees: (pregnancy, miscarriage, delivery and their pathological results or complications): 75% of actual costs within the limit, per Insured person and per year, defined in the "Schedule of Benefits". Coverage is provided for Insured who are at the most 30 years of age on the date they subscribe to this contract, exclusively in a Foreign country and after a waiting period of 180 days calculated from the subscription date. • Psychological / psychiatric fees: 100% of actual costs within the limit, per person and per year, defined in the "Schedule of Benefits" consecutive to psychological disorders and on presentation of the practitioner's fee invoice only. EXCLUSIONS SPECIFIC TO ASSISTANCE, REPATRIATION AND MEDICAL COST COVERAGE Besides the common exclusions indicated in Chapter 2 article 10 are excluded: • Benign afflictions or lesions that can be treated on the spot (for Assistance, repatriation coverage only). • The consequences or relapses of previously existing conditions and the medical costs incurred for the diagnosis or treatment of a physiological condition that was known before the insurance came into effect. • Burial, embalming and funeral costs unless mandatory under local legislation. • Costs incurred by the Insured without the prior approval of the Assistance. • Costs incurred by the Insured during a Trip undertaken against medical advice • Trips undertaken in order to obtain a diagnosis and/or a treatment. • Any costs incurred for meals, hotels, road travel, tolls, fuel, taxis or customs and excise other than those provided for by the coverage. • Acts liable to be punished as criminal under the legislation in the country the Insured is staying in. • Fees related to routine medical care (except for delivery, pre and post natal fees included in maternity fees) • Medical costs following surgery carried out on request by the Insured unless recognised as being medically necessary. • Sterility related treatments. • Treatments in connection with eating disorders, such as, but not limited to, anorexia and bulimia • Sexually transmissible diseases, Aids and HIV as well as epilepsy, malaria and hepatitis C. • Medical costs following cases of dorsalgia, lumbar pain, lumbago-sciatica, disc, parietal, vertebral, crural, scrotal, inguinal, white line and umbilical herniation. • Spa, slimming and rejuvenating treatments. • Spas, re-education, spectacle and contact lens costs, costs for prostheses of all kinds, routine examinations and tests or check-ups, preventive tests or treatments, examinations and control tests not consecutive to an accident or a covered Illness. • Organ transplant costs not consecutive to an Accident or a covered Illness. • Plastic or reconstructive surgery costs or non essential treatment costs. • Costs for vaccination, acupuncture, physiotherapy, for a chiropractor or osteopath not consecutive to an Accident or a covered Illness. • Costs and treatments not prescribed by an authorised medical authority. • Non essential Surgery and Treatment • Contraceptives • Opticians fees • Dental fees not consecutive to an Accident • Mental, psychic and psychiatric Illnesses, neuroses and nervous breakdowns not requiring admission to hospital for more than 4 consecutive days.


ARTICLE 5 THIRD PARTY LIABILITY INSURANCE OBJECT OF THE INSURANCE The Insurer covers the financial consequences of the Insured's third party liability during the Trip under applicable legislation or case law resulting from Bodily injury, Damage to property and the resulting Immaterial damage caused to Third parties by the Insured themselves, the persons they are responsible for, the animals or objects in their custody during the Trip, within the limits and the Excess indicated in the "Schedule of benefits". If the Insured had taken out third party liability insurance prior to, or in parallel with this contract, the coverage only applies once the coverage of the insurance previously subscribed, or subscribed in parallel, has been exhausted. The coverage is triggered by the Damaging action. For the application of this coverage the terms below are defined as follows: Bodily harm Any physical harm suffered by a person. Damage to property Any alteration, deterioration, loss and/or destruction of an object or a substance, including any physical harm to animals. Immaterial damage: Any damage other than Damage to property and especially any financial prejudice resulting from the loss of the exercise of a right. Immaterial damage is considered consecutive when it is the direct consequence of an insured Damage to property. Damaging action The action that causes the damage. A set of damaging actions that have the same technical cause are considered to be a single damaging action. Third party Any private person or legal entity excluding the Insured themselves, their Family members, their ascendants and descendants as well as the persons accompanying the Insured and their agents in the exercise of their functions, whether in the employ of the Insured or not. Third party liability claim A claim is composed of any damage or collection of damage caused to Third parties, for which the Insured is liable, resulting from a Damaging action and leading to one or more amiable or legal claims initiated by the third party having suffered the damage. EXCLUSIONS SPECIFIC TO THRID PARTY LIABILITY INSURANCE Besides the common exclusions indicated in Chapter 2 article 10 are excluded: • The damage resulting from any professional activity other than that of Au Pair trainee home help. • Damage intentionally carried out or caused by the Insured or with their complicity as well as by the Insured's company representatives when the Insured is a legal entity. • The consequences of all claims for damage to property or bodily harm suffered by the Insured and their family members or by any other person insured by this contract. • Accidents caused by and to the Insured, their ascendants, descendants or any person living with them, occurring during the use of automobiles or motor powered machines, sailing or motor boats, aircraft, saddle mounted animals for which the Insured, or the persons they have third party liability for, own, drive or have custody of or as a result of the participation of the Insured in a sports competition. • The consequences of damage caused to the animals or objects you own or which you have hired. • The practise of sports either professionally or in the context of competitions. • Damages resulting from hunting. • The practise of dangerous sports, mountaineering, pot holing, boxing, polo, karate, American football, parachuting, piloting an aircraft, gliding, hang gliding, ULM, scuba diving using an autonomous device (except for motorless devices in the event of subscription to the High Risk sports extension). • The damage to property resulting from a fire or an explosion covered by article 1384 of the French Civil Code, those same damages being excluded if they occurred on premises either owned or occupied by the Insured. • Damage occurring in the Insured person's Country of Origin


ARTICLE 6 PERSONAL ACCIDENT INSURANCE OBJECT OF THE COVERAGE Payment of a lump sum in the event of accidental death In the event of death occurring immediately or within 2 years as a consequence of an insured Accident, the Insurer undertakes to pay the Beneficiary/Beneficiaries the lump sum Capital indicated in the "Schedule of benefits". The Beneficiary of the capital is first the Insured's Partner, if there is no Partner then the Insured's children, and finally if there are no children the Insured's legal beneficiaries. Payment of a lump sum in the event of accidental disability When a Insured is the victim of an insured Accident and if it is medially established that a permanent partial or total disability ensues, the Insurer will pay the Insured the lump sum indicated in the "Schedule of benefits" multiplied by the Insured's disability rate in compliance with the Informational Disability Scale for Workplace Accidents drawn up in compliance with the appendix to article R. 434-35 of the French Social Security Code. The Insured cannot claim any compensation until the Disability has been recognised to be permanent, i.e. before complete consolidation. Consolidation is the date from which the Insured's state of health is considered to be medically stabilised even though there are permanent consequences. Excess There is no applicable excess for this contract. Cumulative compensation No Accident can simultaneously qualify for the payment of both the capital for death and the capital for accidental disability. However, if, after having been paid compensation resulting from disability following an insured Accident, the Insured dies within 2 years from the consequences of the same Accident, the Insurer will pay the Beneficiary/Beneficiaries the capital provided for in the event of Accidental death after having deducted the compensation already paid for the disability. Disfigurement Disfigurement is characterised by a remaining permanent blemish (scars, deformations, marks, after effects) consecutive to an Accident/Illness or Aggression. Ugly scars are not considered to be a disability. They do not prevent from working, eating, etc. but they are the long term result of an injury for which this policy provides for compensation. The amount of the compensation for disfigurement will be determined after an examination by an expert appointed by the Insurer, who will make a decision as to the extent of the disfigurement within the limits set out in the "Schedule of Benefits". The specialist's expertise will be carried out during a medical examination conducted once the injury has consolidated. Are excluded from disfigurement, scars following: • An Accident that is excluded. • An Illness. Disfigurement consecutive to an Accident will be assessed by medical expertise, if necessary in the presence of all parties, according to a scale of 1 to 7 identical to the medical assessment of disfigurement for common law victims of accidents. Applicable scale: 0.5 / 7 > 150 € 4 / 7 > 6,000 € 1 / 7 > 300 € 4.5 / 7 > 7,500 € 1.5 / 7 > 600 € 5 / 7 > 9,000 € 2 / 7 > 1,050 € 5.5 / 7 > 10,500 € 2.5 / 7 > 1,800 € 6 / 7 > 12,500 € 3 / 7 > 3,000 € 6.5 / 7 > 13,500 € 3.5 / 7 > 4,500 € 7 / 7 > 15,000 €


SPECIFIC EXCLUSIONS FOR PERSONAL ACCCIDENT INSURANCE Besides the common exclusions indicated in Chapter 2 article 10 are excluded: • Accidents resulting from the use of 2 or 3 wheeled motorised vehicles of a cubic capacity in excess of 125 cm3, whether the vehicle is driven or not. • Accidents caused by a Foreign or Civil war. • Accidents that occur when the Insured is a passenger on aircraft that do not belong to a regular airline or a "Charter" properly approved for paying passenger transport on regular lines. ARTICLE 7 "AU PAIR" COVERAGE IF THE AU PAIR IS THE POLICYHOLDER Refund of hotel fees in the event of the transfer of the Au Pair to another Host Family If the Subscriber is the Insured Au Pair and they are forced to change Host Family, the Insurer will cover the accommodation costs while awaiting a new assignment, within the limits of the amount indicated in the "Schedule of Benefits". The invoices for accommodation and an official certificate from the Au Pair agency justifying the necessity for a transfer of Host Family will be requested in the event of a claim. SPECIFIC EXCLUSIONS FOR AU PAIR COVERAGE Besides the common exclusions indicated in Chapter 2 article 10 are excluded: • Any costs incurred for meals, hotels, road travel, tolls, fuel, taxis or customs and excise other than those provided for by the coverage. ARTICLE 8 "HOST FAMILY" COVERAGE IF THE HOST FAMILY IS THE POLICYHOLDER Refund of the registration fees to the Host Family in the event of the cancellation or interruption of the Insured Au Pair due to Illness/Accident/medical repatriation and the impossibility of finding a replacement. If the Subscriber is the Host Family, in the event of the cancellation of the Insured Au Pair's Trip due to Serious Illness or Accident, or in the event of the interruption of the stay following a medical repatriation or an early return, the Insurer will refund the Host Family the registration fees for the member Au Pair agency within the limits of the amount indicated in the "Schedule of Benefits" if the agency cannot provide the Host Family with a replacement for the Insured Au Pair. In the event of an interruption, the refund of the registration fees will be made prorata temporis the total duration if the Insured person's initial Trip and the completed portion of the stay. The invoice for the registration fees paid to the Member Au Pair agency will be requested as proof in the event of a claim. SPECIFIC EXCLUSIONS FOR THE HOST FAMILY COVERAGE Besides the common exclusions indicated in Chapter 2 article 10 are excluded: • The exclusions relative to Illness, Accidents and events for the "ASSISTANCE, REPATRIATION, MEDICAL FEES" coverage Article 4. • Any deliberate act or decision by the Au Pair or the Host Family ARTICLE 9 "HIGH RISK SPORTS" EXTENSION Through the payment of an increased premium, the Insured may, for the duration of their choice indicated on the insurance certificate, practise sports considered to be dangerous, such as, but not limited to, mountaineering, canyoning, hang gliding, para-gliding, bungee jumping, water skiing, show jumping (horse riding). Damage consecutive to the exercise of hunting or consecutive to the participation in official competitions and their qualifying rounds as well as attempts to break records remain excluded.


COVERAGE LIMITS applied by the Insurer per event: 1 million euros Maximum per event for each coverage: Medical costs Abroad 500 000 euros Medical costs in the Country of Origin: 100 000 euros Repatriation: 500 000 euros Theft, loss or destruction of Baggage: 7 000 euros Late baggage delivery: 700 euros Personal Accident: 500 000 euros Third party Liability: 4 500 000 euros for bodily injuries and 500 000 euros for damage to property. ARTICLE 10 EXCLUSIONS COMMON TO ALL COVERAGE Claims resulting from the occurrence of the following events are always excluded from the contractual insurance coverage: • Accidents caused intentionally by the Insured or the Beneficiary of the contract. • The consequences of the successful or attempted suicide of the Insured. • The consumption of narcotics, drugs, analogous substances and medication not prescribed by a medical authority, and its consequences. • The consequences of the Insured being under the influence of alcohol characterised by the presence in the blood of a level of pure alcohol equal to or greater than the level defined by French law covering driving. • Nervous or mental disorders unless otherwise mentioned in this contract. Are also excluded Accidents that occur in the following circumstances: • When the Insured practises a professional sport, practises or takes part in an amateur race requiring the use of a motorised land, sea or air machine. • When the Insured uses a ULM, hang glider, sailwing, parachute or paraglider either as the pilot or as a passenger (unless the High Risk Sports coverage has been subscribed to). • When the Insured participates in brawls (except in cases of self defence), crimes, and bets of all kinds. • The consequences and/or events resulting from Civil war, Foreign war, riots, popular uprisings, strikes, acts of piracy, acts of terrorism, the effects of any radioactive source, epidemics, pollution, weather events, and natural disasters except within the framework of the legislation covering the compensation of victims of Natural disasters defined by the French Act 86-600 of 13/07/1986. • Are always excluded from the insurance coverage any Trip to or from, or carried out inside or across the following countries: Afghanistan, Crimea, Cuba, Liberia or Sudan. • Are always excluded from the insurance coverage any Insured or Beneficiary of which the name is contained in any official, government or police database of known or suspected terrorists, any Insured or Beneficiary who is a member of a terrorist organisation, a drug dealer, involved as a supplier in the illegal trade of nuclear, chemical or biological weapons. ARTICLE 11 WHAT TO DO IN THE EVENT OF A CLAIM ARTICLE 11.1 ASSISTANCE SERVICES

It is mandatory to exclusively contact Assistance prior to any intervention by calling - From France or the rest of the world: +33 (0)969.368.616 - From the USA and Canada: 1.817.826.70.90

Indicate the subscriber number indicated on your insurance certificate ("subscription ID") and the number for this insurance contract: 4.091.803

ARTICLE 11.2 FOR ALL OTHER COVERAGE UNDER THIS CONTRACT In order to benefit from their compensation as quickly as possible, the Insured or their legal representative must declare any claim that could be covered by this contract by registered letter as soon as they have knowledge of it, failing which the contract may be forfeit:

- Within 5 working days for all coverage. - Within 15 working days for "Third party liability" and "Medical cost" insurance.


CONTACT DETAILS

For residents and Trips in France and other countries in the world: By post: AVI INTERNATIONAL 40-44 Rue Washington 75008 PARIS FRANCE By email: [email protected] Telephone: +33 (0)1 44 63 51 85 during office hours

For Insured Americans or Trips to the USA: By post: AVI CLAIMS / ARMSCO PO Box 3514 San Rafael CA 94912 / USA By email: [email protected] Telephone: 1 800 477 2767 or 1 (415) 459-2660 during office hours In the event of a failure to respect the Claim declaration deadline, and if the Insurer can prove that the delay was the cause of a prejudice to it, the Insured loses the benefit of the insurance coverage for the Claim in question unless the delay was caused by an act of God or a case of force majeure. ARTICLE 11.3 - DOCUMENTS REQUIRED FOR THE CLAIM IN ALL CASES THE INSURER WILL IMPERATIVELY REQUIRE THE FOLLOWING DOCUMENTS TO PROCESS THE CLAIM: - The Insured's identification number and the Contract N°. - A copy of the Subscription application form for this contract - The AVI claim form. Furthermore, depending on circumstances the Insurer may also require the following documents: FOR BAGGAGE LOSS, THEFT OR DAMAGE COVERAGE: - A copy of the complaint filed with the competent local authorities in the event of a theft, filed the same day or at the latest within the 48 hours following the theft. - A copy of the declaration of the loss, theft or total or partial deterioration of Baggage made with the air transporter or the hotel company to which the Baggage had been given. If the stolen or lost items are found and returned to the Insured, they undertake to inform the Management centre and to return the compensation paid under this contract. For damaged items the Insured may be requested to prove the damage at any time, either by sending the Management centre the damaged item, or by providing the invoice proving its repair. FOR DELAYED BAGGAGE COVERAGE: - Any documentary proof issued by the airline on which the Insured travelled certifying that the Baggage was delivered more than 24 hours late. - The original invoices for the purchase of Items of first necessity, clothing and toiletries purchased by the Insured, all original documents and information proving the reason for the request and/or which are requested by the Management centre. FOR DELAYED TRANSPORT COVERAGE: - Any documentary proof issued by the transport company with which the Insured travelled certifying the delay in transport. - All original documents and information proving the reasons for the Insured's request.

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mailto:[email protected]

mailto:[email protected]


FOR PERSONAL ACCIDENT COVERAGE: - A declaration on honour giving a detailed account of the circumstances of the Accident and the names of possible witnesses and, where applicable, the report by competent local authorities establishing the circumstances of the Accident. In the event of a traffic Accident, it should be indicated whether the Insured was the driver or a passenger of the vehicle. In the event of death: - A death certificate. - A medical certificate certifying the death and the cause of death. - A certified birth certificate for each beneficiary or legal beneficiary. In the event of Permanent Disability: - A medical certificate for the initial finding, - A disability notice from Social Security notifying Permanent Disability. In the event of the disappearance of the Insured, if their death can be presumed as a consequence of an insured Accident after a period of 365 days, unless there is a declaration by a competent authority, the capital indicated in the General Terms and conditions is paid to the Beneficiaries. The Beneficiaries are required to sign an agreement stating that if, in the future, it appears that the Insured person is not deceased, all compensation received will be returned to the Insurer. FOR MEDICAL COST COVERAGE NOT INCLUDING HOSPITALISATION: - The original documents proving the costs - The medical report. FOR AU PAIR COVERAGE:

- The invoices for accommodation and an official certificate from the Au Pair agency justifying the necessity for a transfer of Host Family.

FOR THE HOST FAMILY COVERAGE:

- The invoice for the registration fees to the Member Au Pair agency. The Insured cannot propose any agreement, promise, offer, payment or compensation without the written permission of the Insurer. If additional medical documents or any other documentary proof depending on the coverage in question are found to be required to process the claim, the Insured will be personally notified by the Claim management centre or by the Insurer. ARTICLE 11.4 – CLAIM PROCESSING Claim assessment The Insured or their representative undertakes to supply the Insurer all the documents making it possible to assess whether the declared claim is covered by the insurance. If the Insured or their representatives refuse to communicate documents or refuse to undergo a medical examination by a medical expert appointed by the Insurer without a valid reason, and if after having been notified 48 hours in advance by registered letter they continue to refuse, the Insured or the Beneficiary/Beneficiaries shall forfeit all right to compensation. If additional medical documents or any other documentary proof is found to be necessary to the determination of their rights, the Insured or their legal representative will be notified of the fact by letter. If an expertise is required to process the Claim and if the Insured or their legal representative refuse to submit to it without a valid reason, and if, after having been notified forty eight hours in advance by registered letter, they continue to refuse, the Insurer will be forced to postpone any payment of compensation for the Claim in question. Worsening independent of the Accidental act or pathology

If the consequences of an Accident are worsened by the state of health, the existence of a prior disability, by an empirical treatment, or by the refusal or negligence of the Insured to subject themselves to the medical care required by their condition, the compensation will not be calculated according to the actual consequences of the case, but on the consequences a person in normal health subjected to rational and appropriate medical care would have suffered.


Expertise

In the event of a disagreement between the parties, each party shall appoint its own expert. If the appointed experts do not agree, a third party expert is appointed by the leading magistrate of the competent courts in the locality the Insured lives in. This appointment is made on request by the most diligent party made at the soonest 15 days before a registered letter of notice with acknowledgement of receipt is sent to the other party. Each party shall pay their expert's fees and, if applicable, half the third party expert's fees and appointment costs. No legal proceedings may be taken against the Insurer until the third party expert has made a decision on the dispute.

Payment deadline

Compensation is payable without interest within 15 days of having been defined. The payment of the compensation is final and releases the Insurer from any future proceedings relative to the Claim or its consequences.

ARTICLE 11.5 – SUBROGATION Under article L. 121-12 of the French Insurance Code, the Insurer is subrogated, up to the amount of the compensation paid, to the rights and actions of the Insured relative to third parties. The Assistance is subrogated under the terms of the French Insurance Code to the rights and actions of the Subscriber or Insured against all persons liable for the Claim within the limits of the amounts engaged.

Similarly, when all or part of the services supplied under the coverage of the contract are covered totally or partially by an insurance policy, a Health Insurance organisation, Social Security or any other institution, the Assistance is subrogated in the rights and actions of the Insured against the above mentioned organisations and contracts CHAPTER 3 - MISCELLANEOUS

CHAPTER 3 – MISCELLANEOUS

RIGHT OF WITHDRAWAL FOR INSUREDS RESIDING IN FRANCE The Insured can withdraw their subscription to the contract within the 14 (fourteen) days following the date of their subscription to the insurance (if it was subscribed to at a later date), by notifying AVI by registered letter using the following model:

"For the attention of AVI, 40-44 rue Washington – 75008 Paris

I hereby notify you of my withdrawal from the INTERNATIONAL AU PAIR Insurance contract subscribed to on [subscription date]

Name of the Insured:

Address of the Insured:

Signature of the Insured"

AVI will then refund the Insured the insurance subscription paid when the subscription was made.

The above terms also apply if the Insured can prove the prior coverage of one of the risks covered by the contract and wishes to withdraw from their subscription for this reason (article L. 112-10 of the French Insurance Code).

DECLARATION OF RISK In compliance with French law, this contract is drawn up using the declarations of the Insured. They must therefore answer any questions asked by the Insurer designed to assess the risks that to be covered. SANCTIONS FOR FALSE DECLARATIONS In compliance with the French Insurance Code, any intentional non disclosure or false declaration by the Subscriber or the Insured as to the elements constituting the risk are sanctioned by the invalidity of the contract. STATUTE OF LIMITATIONS In compliance with articles L114-1 and following of the French Insurance Code, any proceedings derived from an insurance contract are subject to a two year statute of limitations starting from the event that gave rise to the proceedings.


However this deadline only applies: 1° In the event of non-disclosure, omission, false or incorrect declaration about the risk, from the date the Insurer discovered it; 2° In the event of a Claim, only from the date the interested parties discovered it if they prove that they had no prior knowledge until that date. When proceedings by the Insured against the Insurer are due to third party proceedings, the statute of limitations only begins to run starting on the date the third party initiated legal proceedings against the Insured or was compensated by them. The statute of limitations is extended to ten years for insurance contracts covering personal accidents when the Beneficiaries are the legal beneficiaries of the deceased Insured. The statute of limitations is interrupted by any of the ordinary causes of interruption, and notably:

any court summons, including for emergency proceedings, any court order or writ notified to the person for which the statute of limitations is sought to be prevented from applying;

any non equivocal acknowledgement by the Insurer of the Insured's right to coverage, or any acknowledgement of debt by the Insured to the Insurer;

as well as in the following other cases defined by article L114-2 of the French Insurance Code:

any appointment of an expert following a Claim;

any registered letter with acknowledgement of receipt sent by:

the Insurer to the Insured for failure to pay the premium;

the Insured to the Insurer for payment of the compensation. By derogation to article 2254 of the French Civil Code, the parties to the insurance contract cannot, even by mutual agreement, either change the duration of the statute of limitations, or add to the terms of its suspension or interruption.

INSURER CONTROL

AIG Europe Limited is approved and controlled by the Financial Services Authority, 25 The North Colonnade, Canary Wharf, London E14 5HS, United Kingdom. The sale of insurance contracts in France by the French branch of AIG Europe Limited is subject to applicable French regulations.

COMPLAINTS, MEDIATION

In the event of dissatisfaction relative to the signature or performance of this contract, the Insured or the Beneficiary can contact the Insurer through the usual contact or through the "customer service" at the following address.

AIG Tour CB21

92040 Paris La Défense Cedex The request must indicate the contract n° and indicate the subject. The Insurer's customer satisfaction policy is available on its web site at the following address: http://www.aig.com

After exhaustion of all internal claims mechanisms, if the disagreement persists following the answer given by the Insurer, the person in question can contact the Ombudsman for the Fédération Française des Sociétés 'Assurances at the following address: BP290, 75425 PARIS CEDEX 09.

DOMICILE

The Insurer elects domicile at its French branch address: Tour CB 21-16 place de l’Iris - 92400 Courbevoie.

APPLICABLE LAW AND LANGUAGE

This contract is governed by French law. The contracting parties declare to submit to the jurisdiction of the French courts and renounce to take proceedings in any other country.

DECLARATION OF OTHER INSURANCE POLICIES

If, during the period covered by this insurance contract, the Subscriber takes out other insurance contracts covering identical risks, the Subscriber must declare the fact to the Insurer, failing which the sanctions defined by the French Insurance Code may apply, i.e. nullity of the contract or a reduction in compensation.

http://www.aig.com/


REQUEST FOR INFORMATION

It is agreed that the Insurer reserves the right to request any information allowing it to correctly assess the changes to risks covered by the contract from the Subscriber at any time.

CHANGED SITUATION

The Insured has a duty to inform the Insurer, within 15 days following the date they became aware of it, of any changes impacting at least one of the elements in the Special Terms and Conditions. Increased risk: If the change represents an increased risk, the Insurer may either terminate the contract, or propose the Insured person a new premium.. In the latter case, if the Insured does not follow up the proposal or if they explicitly reject the new premium, the Insurer may terminate the contract after a period of 30 days following the proposal. The termination becomes effective 10 days after expiry of the 30 day period. Decreased risk: If the change is a decrease in the risk, the Insurer informs the Insured within 30 days of a reduction in the premium. If, on expiry of these 30 days, the Insurer has not informed the Insured, or if the premium has not been reduced, the Subscriber may terminate the contract.

DELIVERY OF THE INFORMATION NOTICE

In compliance with article L.141-4 of the French Insurance Code, the Subscriber undertakes to supply all Insureds under this contract with the information note drawn up to this effect.

MULTIPLE INSURANCE

An Insured cannot, under any circumstances, be covered by more than one subscription to this contract, even if they have paid the premiums several times. If this were to occur, in all cases the Insurer is limited to the coverage and compensation ceilings corresponding to one subscription to this contract.

CORRESPONDENCE

Any request for information or further information must be sent to: Tour CB 21-16 place de l’Iris - 92040 Paris la Défense Cedex Any correspondence must be communicated in the forms provided for by applicable regulations. If the Insured communicates their email address and/or mobile phone number, AIG reserves the right (unless the Insured exercises their right of opposition) to send them information by email and/or by SMS.

DATA PRIVACY (French Act N° 7801 of 06/01/78)

Personal data collected by the Insurer is collected to allow the subscription and management of contracts and Claims by the Insurer's departments. This data may be communicated to the Insurer's agents, to its partners, service providers and subcontractors for the same purpose, and may be transferred outside the European Union. In order to guarantee the security and suitable protection of personal data, these transfers are the subject of a prior authorisation by the CNIL (French data privacy control body) and are covered by guarantees, especially by standard contractual clauses drawn up by the European Commission. Furthermore, in the context of Assistance services, in order to control the quality of the provided services and to supply the said services, telephone conversations between Insureds and the Assistance services may be recorded. Nominative data collected during this call is essential to providing the assistance services. This information is for the exclusive internal use of the Assistance as well as of persons involved in the management of the claim or in the performance of the contract, within the limits of their respective positions. In compliance with French Act n° 78-17 of 6 January 1978 amended, the right of access, rectification and opposition for legitimate reasons by the persons concerned may be exercised by contacting the Insurer at the following address: AIG Service Clients Tour CB21-16 Place de l’Iris 92040 Paris La Défense Cedex indicating the file number and enclosing a copy of their identity documents. They may also oppose the use of their personal data for commercial prospecting purposes by sending an ordinary letter to the address above. The Insurer's personal data protection policy is available on its web site at the following address: http://www.aig.com/fr-protection-des-données-personnelles GOVERNING LAW AND JURISDICTION This contract is governed by French law. The contracting parties declare to submit to the jurisdiction of the French courts and renounce to take proceedings in any other country.

http://www.aig.com/fr-protection-des-données-personnelles

http://www.aig.com/fr-protection-des-données-personnelles