NEGOTIATOR® CRISISMANAGEMENT

What will you do if a Crisis Event Occurs During Your Trip?Up to $300,000 for Crisis Management Services

Negotiator® Crisis Management | Page 2

What Will You Do If a Crisis Event Occurs During Your Trip? Negotiator® is personal security services at your fingertips when dangerous situations arise as you travel outside your home country. These are called crisis events and include political threat, wrongful detention, violent crime, natural disaster, acts of terrorism, and more.

Your Crisis Response Team – Security Exchange is available 24/7 to handle all communication and crisis response through their numerous geographical hubs. With a team of specially trained multilingual consultant, they are your point of contact for help and guidance if an insured event occurs.

How does Negotiator® protect me?Negotiator® covers many types of personal security situations while you are traveling. These are called insured events and include hijacking, disappearance, child abduction, bomb explosion, civil commotion, acts of terrorism, natural disaster, violent crime or malicious attack, wrongful detention, kidnapping, blackmail, extortion, and political threat, including upheaval from war, riot, rebellion, revolution, and invasion.

Who can Buy Negotiator®? To purchase Negotiator® you must be traveling outside your home country, which is the place where you have your true, fixed and permanent home and principal establishment.

How Long Am I Covered?You may buy a plan for up to 180 days. Pricing varies based on your travel destination and the length of time you travel.

Insured Events are crisis events verified by Security Exchange, your crisis response consultant. They could include hijacking, disappearance, child abduction, bombing, civil commotion, act of terrorism, natural disaster, violent crime or malicious attack, wrongful detention, kidnapping, blackmail or extortion, and political threat to include upheaval from war, riot, rebellion, revolution, and invasion.

Security Exchange Crisis Response Consultant $250,000 This covers reasonable and necessary fees and expenses incurred directly and solely in the management of a potential, actual, or threatened crisis event. The maximum period of time that Security Exchange will provide crisis response consultant services is 30 days for each insured event.

Extra Expenses $50,000

These are expenses pre-approved by Security Exchange and incurred by you that are necessarily incurred directly and solely as the result of the management of a potential, actual or threatened crisis event. They include: emergency evacuation costs, relocation travel and accommodation, independent interpreter fees and expenses, development of a search protocol, deployment of temporary security manager/coordinator, or close escort resource.

NEGOTIATOR® CRISIS MANAGEMENT SCHEDULE OF BENEFITS

PLAN DOCUMENTSAfter your purchase, you will receive an ID card and plan documentation, which will describe your coverage in detail. You will receive contact details explaining how to notify Security Exchange in case of an emergency or claim.

Please be certain to leave a copy of your ID card with a family member or trusted associate. We do not recommend you carry it with you as you do not want anyone to learn that you have coverage for kidnap and ransom services.

REFUNDYou may cancel this insurance before the start date of your coverage and receive a full refund. Please notify Seven Corners, Inc. in writing: Seven Corners, Inc.; 303 Congressional Boulevard; Carmel, IN 46032

Your Underwriter Insurance benefits are underwritten by ANV, syndicate at Lloyd’s of London.

Your Service Provider All services are provided by Security Exchange, your crisis response team.

Your Responsibility as a Covered Person

When you discover a potential or actual event, or incident, which may lead to an insured event or any claim for a payment, you must contact the 24-hour emergency crisis line at Security Exchange as soon as practicable.

You must exercise due diligence to take reasonable and practical action to avoid any happening or circumstances covered by this policy and make all reasonable efforts to mitigate any loss as a result of an insured event.

United States, Canada, & Caribbean 1-305-384-4825 International +44 20 3284 8844

Your policy also provides pre-incident and travel advice. The InTouch services provided by Security Exchange are to be used for non-emergency inquiries. Use your certificate number as the membership number to register your account. Please visit the below link to register;

http://www.securityexchange24.com/signin.php

It is your responsibility to maintain all records regarding travel history and provide any documents to Seven Corners, which would verify the eligibility requirements.

This brochure is intended as a brief summary of benefits and services. It is not your plan documentation and does not contain a complete list of the coverage, limitations, and exclusions of this plan. If there is any difference between this brochure and your plan document, the provisions of the plan documents will prevail. Benefits and premiums are subject to change.

IMPORTANT INFORMATION

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Administrator means Seven Corners, Inc.

Covered Person means any person or persons named in the application and who has been accepted by the administrator, Seven Corners, Inc., on behalf of us.

Insured Person means any person or persons named or specified in the Schedule, and his or her spouse, and children or step-children or adopted children under the age of 21.

Crisis Event means any unstable and dangerous situation resulting from an unforeseen Insured Event which has directly caused or has the potential to cause serious bodily harm or death to an insured person, with little or no warning.

Crisis Response Consultant means the independent consultants previously approved by us and appointed to our panel for assisting the insured person in connection with a crisis event. For more information please visit www.securityexchange24.com

Extra Expenses means pre-approved expenses incurred by the insured person that are necessarily incurred directly and solely as the result of the management of a potential, actual or threatened crisis event.

Period of Travel means from the time the insured person leaves his or her permanent country of residence, to the time the insured person returns to his or her permanent country of residence.

Permanent Country of Residence means that country in which the insured person has his/her principal place of residence and in which country the insured person has been resident in for at least 6 of the 12 months prior to commencement of a period of travel.

Ransom Cash and/or marketable goods, property, monetary instruments, securities or services surrendered or to be surrendered by or on behalf of you to meet a kidnap, extortion or hijack demand.

We/Us/Our means insurers subscribing to this certificate of insurance.

You/Your means any person, company or firm whose application has been accepted by the administrator, Seven Corners, Inc. on behalf of us.

We will not pay more than our policy limits. This policy does not include losses arising from or attributable to;

1. violation by You or an Insured Person of the laws or regulations of the country of which they are a national.

2. the failure of You or an Insured Person properly to procure or maintain immigration, work, residence or similar visas, permits or other documentation.

3. a debt, insolvency, commercial failure, the repossession of any property by a title holder or any other financial cause.

4. the failure of You or an Insured Person to honour any contractual obligation or bond or to obey any conditions in a license.

5. any Crisis Response Consultant fees or expenses, and/or Extra Expenses arising out of any fact, circumstance, pre-existing condition, situation, bodily injury, property damage, or imminent injury that you, prior to the Period of Travel, knew, or reasonably should have known, could lead to, cause or result in such Crisis Response Consultant fees or expenses, and/or Extra Expenses.

6. any Kidnapping or Assault of an Insured Person by a relative or as a result of a domestic dispute;

7. an Insured Person who has had kidnap insurance cancelled or declined in the past;

8. any Wrongful Detention, Kidnapping, Blackmail or Extortion of an Insured Person who has suffered these events in the past;

9. any Kidnapping, Blackmail and Extortion, Political Threat, Disappearance or Child Abduction of an Insured Person within their Permanent Country of Residence or the country within which the Insured Person is a citizen;

10. the payment of any Ransom;11. loss arising as a direct result of an Insured Person travelling to a specific country

or area where, prior to his or her Period of Travel commencing, the Government body or agency of the Insured Person’s Permanent Country of Residence have advised against all or all but essential travel;

12. Notwithstanding anything to the contrary contained herein, this policy does not cover loss consequent on:

(a) war, whether declared or not, between any of the following countries, namely, China, France, the United Kingdom, the Russian Federation and the United States of America, or (b) war in Europe, whether declared or not, other than: (i) civil war, (ii) any enforcement action by or on behalf of the United Nations, in which any of the countries stated in (a) above or any armed forces thereof are engaged

CONDITIONS1. The Insured Person will exercise due diligence to do all things reasonable and

practical to avoid any happening or circumstances covered by this policy and to make all reasonable efforts to mitigate any loss arising as a result of an Insured Event

2. Upon discovery of a potential or actual event or incident which may give rise to an Insured Event or any claim for a payment, the Insured Person shall contact the 24-hour Emergency Crisis Line as soon as practicable.

3. The territorial limits of this policy shall be world-wide, subject to any excluded territories as agreed Us and as in the Schedule.

4. In the event of any payment under the policy, We will be subrogated to the extent of such payment to all the Insured Person’s rights of recovery. In such case the Insured Person will execute all documents required and will do everything necessary to secure and preserve such rights including the executions of such documents necessary to enable Us effectively to bring suit in the name of the Insured Person

5. The maximum period for the provision of the Crisis Response Consultant services covered under this policy is 30 days for each Insured Event.

6. Neither Us nor the Crisis Response Consultant shall be held liable for failure or delay in providing Crisis Management Advice due to causes beyond reasonable control; including but not limited to, act of god, fire, flood, war, hostilities, or government action.

7. This insurance may be cancelled by You prior to the effective date of coverage.

DEFINITIONS EXCLUSIONS & CONDITIONS

YOUR COVERAGE START AND END DATES:Coverage Start – Your effective date is when your trip begins. It is shown on your ID card.

When Your Coverage Begins

Your coverage begins at 12:01 AM North American Eastern Time on the later of the following dates:

a) The day after we receive your application and correct premium if we receive your application and payment on or by fax; or b) The day after the postmark date of your application and correct premium if we receive application and payment is made by mail; or c) The moment you depart your home country; or d) The date you request on your application.

When Your Coverage Ends

Your coverage ends on the earlier of the following dates:

a) You return to your home country; or b) The expiration of 180 days from the day your coverage begins; or c) The date shown on your ID card; or d) The end of the period for which you paid; or e) The date you are no longer eligible for the plan; or f) The date the maximum benefit amount has been paid.

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FAQS

What if an emergency call is made to the call center by someone speaking a foreign language? While we cannot guarantee that every call will be answered by a native speaker, Security Exchange’s team will ensure the caller is connected to a representative with the correct language skills. In the unlikely event that the language skill is not available in-house then we they will use translation services. The translator will remain on the call with the crisis consultant to ensure accurate communication.

What should I do if I think there is a crisis? You should call the Security Exchange crisis helpline immediately. Generally, our crisis consultants can offer advice that can prevent a crisis from occurring or escalating. If you have any doubt, call the 24/7 crisis helpline immediately.

When is the Security Exchange crisis helpline available? The crisis helpline is available 24/7.

What if I call the Security Exchange helpline, and I don’t have the affected person’s membership number? Our Security Exchange’s coordinators and crisis consultants are instructed to respond to every crisis call, and this will not affect their appropriate response. Once the initial call has been completed, the severity established and actions agreed, the consultants can complete internal checks via agreed processes to verify the person’s coverage details.

How quickly does Security Exchange respond to an emergency? This is determined by the type of emergency and geographic location. Many situations can be instantly resolved on the telephone by the expert advice given by a consultant. If Security Exchange needs to deploy a consultant then they will work to have them in place within 24 hours and at all times as soon as is reasonably possible.

What happens if I travel to additional locations that I did not provide on my online application? You will need to verify with Security Exchange if you are covered for the additional location. In some cases, certain destinations are not covered. It is important that you provide all destinations when you first purchase your insurance.

If an incident occurs and Security Exchange deploys a response team, how are necessary expenses/payments made? You receive up to $250,000 (total for all covered events) to cover Security Exchange’s management consultant fees and expenses. You also receive up to $50,000 (total for all covered events) for extra expenses. Extra expenses are pre-approved expenses incurred by you that are necessarily directly and solely due to the management of a potential, actual or threatened crisis event.

What is the definition of a Crisis? Crisis means any decisive, unstable or crucial time resulting from an unforeseen event which has directly caused or has the potential to cause serious bodily harm to a person. You receive crisis management services for these crisis events: • Political Threat (upheaval including war, riot, rebellion revolution,

invasion• Wrongful Detention/kidnapping/blackmail or extortion• Violent Crime/Malicious Attack• Natural Disasters• Act of Terrorism• Civil Commotion• Bomb explosion• Child abduction• Disappearance• Hijack

Please note: a Crisis Event must be verified by Security Exchange’s crisis management team.

If I’ve been assaulted, do I need to inform the police? When possible, the incident should be reported to the police within 24 hours of the time of the assault, and you should obtain a police report. If in doubt, please call the crisis helpline.

United States, Canada, & Caribbean 1-305-384-4825 International +44 20 3284 8844

If an incident occurs and a Security Exchange team is deployed, how much time will be spent assisting me? Crisis consultant services are provided for 30 days for each insured event. Crises rarely take as long as 30 days to be resolved.

Can we call the Security Exchange helpline for medical emergencies? Medical emergencies, unless as a result of a violent act or threat, are generally not included in Security Exchange’s services, however we will do our best to give practical and useful advice.

Does the plan extend to families as well? Services are provided specifically to the insured. Additional plans can be purchased if required.

Does the plan automatically renew? No. You must purchase a new plan for each trip.

©1998 – 2016 by Seven Corners, Inc.Seven Corners® is a registered trademark of Seven Corners, Inc.

AGENT INFORMATION

303 Congressional BoulevardCarmel, IN 46032800-335-0611 • 317-575-2652 • Fax: 317-575-2659sevencorners.com

ADMINISTERED BY

Disclaimer: This brochure is intended as a brief summary of benefits and services. It is not your plan document. If there is any difference between this brochure and your plan document, the provisions of the plan document will prevail. Benefits and premiums are subject to change.

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