Inter Partner Assistance SA Insurance and Reinsurance Company General Representation for Italy - Via Carlo Pesenti 121 - 00156 Rome - Tel. 06 / 42118.1 Registered office Brussels - Avenue Louise 166 - Share capital Є 31.702.613 fully paid-up - 100% AXA Partners Holding SAN Registration in the Insurance and Reinsurance Companies Register I.00014 - Ministerial Authorization n. 19662 of 19.10.1993 Register of Companies of Rome RM - REA number 792129 - Part. VAT 04673941003 - Tax Code 03420940151

INSURANCE AGREEMENT

D10

201901_01 Information Booklet contractor name (D10) 

BACKGROUND

ART. 1. COMMUNICATION OF COVERAGES

In order for the coverage to be valid, it is necessary to be included in the list of those who are entitled to the benefits and guarantees provided for by this Policy.

The Contractor prepares the list of those entitled to be sent to the Company; the sending can take place either through the Internet Portal or through an IT flow. In the latter case, the frequency of sending and the characteristics of the flow will be agreed with the Company from time to time.

The Contractor is therefore responsible for:

 the collection and communication to the Company of the names of the Insured;

 communication to the individual Insured of the contents of the insurance program offered (see Article 13 of the General Insurance Conditions).

ART. 2. STATEMENTS REGARDING THE CIRCUMSTANCES OF RISK

Inaccurate statements or reluctance by the Contractor and the Insured relative to circumstances that affect the assessment of the risk may result in the total or partial loss of the right to indemnity, as well as the termination of the Insurance itself, pursuant to articles 1892, 1893 and 1894 CC.

ART. 3. EFFECT OF THE INSURANCE

The insurance takes effect from 00.00 on the day indicated in the policy title page as long as the relative premium is paid.

Notwithstanding the provisions of Art. 1901 CC, if the Policyholder does not pay the premium within the term indicated above or the premiums of the subsequent regulatory or renewal appendices, the insurance remains suspended from 24.00 on the 30th day after the expiry date and resumes effect from 24.00 on the day of the payment.

Without prejudice to subsequent deadlines and the right of the Company to pay the expired premiums pursuant to article 1901 of the Italian Civil Code

ART. 4. DURATION OF THE CONTRACT - SILENCE RENEWAL

The contract is valid for one year on the basis of what is indicated in the policy title page and on its natural expiry, in the absence of cancellation by registered letter sent at least 30 days before the expiry date, the contract is extended for one year and so on thereafter.

ART. 5. INCREASE OF RISK

The Contractor must notify the Company in writing of any aggravation of the risk. The worsening of risks not known or not accepted by the Company may result in the total or partial loss of the right to compensation, as well as the termination of the Insurance pursuant to art. 1898 CC.

ART. 6. DECREASE OF RISK

In the event of a decrease in risk, the Company is required to reduce the premium or the premium installments subsequent to the notification of the Contractor, pursuant to art. 1897 CC, and waiver of the relative right of withdrawal.

ART. 7. CHANGES IN THE PERSON OF THE CONTRACTOR

In the event of the sale of the Contractor's company or part of its assets, the effects of the Policy will be transmitted to the purchaser. In the event of a merger of the Policyholder, the Policy will continue with the incorporating company or with that resulting from the merger. In the event of transformation or change of the Contractor's company name, this Policy will continue with the new company form.

The above changes must be communicated by the Contractor within 15 (fifteen) days of their occurrence to the Company, which, within the following 30 (thirty) days, has the right to withdraw from the contract, giving notice of 15 ( fifteen days.

In the event of dissolution of the Policyholder or its liquidation, the Policy terminates with immediate effect and any premiums paid and not used will be reimbursed after adjustment with the minimum guaranteed annual premium established in the policy and in any case due. Information Booklet contractor name (D10) Page 2/12

ART. 8. REIMBURSEMENT OF THE AMOUNTS EXPENSES FOR BENEFITS INCORRECTLY RECEIVED

The Company reserves the right to ask the Insured / Contractor to reimburse the expenses incurred following the performance of the policy, which are ascertained that they are not due on the basis of the provisions of the contract or the law.

ART. 9. TAX CHARGES

The tax charges relating to the insurance are borne by the Policyholder.

ART. 10. JURISDICTION

Jurisdiction is that of the place of residence of the Insured or the Policyholder.

ART. 11. RIGHT OF REDEMPTION

The Company is subrogated, up to the amount paid, in all the rights and actions that the Insured / Contractor may have against those responsible for the damages.

ART. 12. AWARDS

The premium is determined according to what is established in the policy title page.

In summary, the prize can be determined by one of the following methods:

a) the travel destination;

b) the duration and destination of the trip;

c) the value of the trip;

d) the annual turnover relating to travel arrangements.

The methods of payment of the premium are also established in the title page of the policy.

By way of summary, the premium will normally be calculated as a unit for each individual membership.

Sometimes the policy may provide for a guaranteed minimum premium. The guaranteed minimum premium can be anticipated or divided. In the event of a guaranteed minimum premium - anticipated or split - a mechanism for regulating the premium will be envisaged.

Without prejudice to what is established in the title page of the policy regarding the regulation of the premium, the Company will issue a regulation appendix and the Contractor undertakes to pay the relative amount ("Regulation Bonus") within 30 days from the date of issue of the related appendix.

The payment of the prizes will be made by bank transfer.

ART. 13. INFORMATION TO CUSTOMERS

The Policyholder undertakes to deliver to the Policyholders the Insurance Conditions prepared by the Company and transmitted by the latter to the Policyholder as required by IVASS Reg. No. 41 of 02/08/2018.

ART. 14. CHANGES TO THE AGREEMENT

Any changes or variations to the insurance must be proven in writing and countersigned, for acceptance, by the Parties.

ART. 15. ADVERTISING

If one of the Parties intends to carry out advertising or communication initiatives, using the distinctive signs of the other Party and / or providing information on the same and / or on the group to which it belongs, it must submit the relevant material for prior approval by the same. The promotional and advertising activity will be carried out in compliance with the provisions of the law and regulations in force. The requesting Party is required to use the trademark and company name of the other Party in strict compliance with the provisions received.

ART. 16. USE OF TRADEMARKS AND PROMOTIONAL ACTIVITIES ON THE INTERNET

A Party may not use the logo, trademarks, trade names or service marks of the other Party without the prior written consent of the latter which may be issued at its sole discretion.

The requesting Party may not carry out or allow any activity that may prejudice the rights of the other Party in relation to the aforementioned trademarks.

The Parties must comply with the legal and regulatory provisions in force relating to the promotional activity carried out through their respective websites. Information Booklet contractor name (D10) Page 3/12

Upon expiry of the Policy or in the event of its termination, extinction or termination, for any cause, the Parties will no longer be able to use the trademark, name or logo of the other Party, or otherwise use them in any way, including if it had been specifically authorized to do so in advance.

ART. 16. PRIVACY

The Contractor, as Data Controller of its Clients' data, undertakes to provide at its own expense, to those who benefit from the insurance guarantees provided by the Company, the Information referred to in EU Regulation 2016/679 Management Information of the contract data

Pursuant to EU Regulation 2016/679 (Consolidated Law on the protection of personal data), concerning the protection of persons and other subjects regarding the processing of personal data, the Parties to this contract mutually acknowledge that the data personal data relating to each contractor of this deed (registered office, telephone number, tax code and VAT number) will be entered and processed in their databases, in order to manage the reciprocal contractual relationships. The Parties to this deed mutually recognize the right of knowledge, cancellation, rectification, updating, integration and opposition to the processing of the data, in accordance with the provisions of art. 7 of the aforementioned Legislative Decree. It is expressly understood that each Party declares to have read the above. Autonomous Owners of the processing of personal data, each for their own institutional activities, for the purposes of this deed, are the Contractor and the Company.

Appointment as Data Processing Manager

In consideration of the fact that the formalization of this policy entails for the Company the processing of data relating to the policyholders in order to provide and manage the insurance guarantees, the Contractor shall appoint Inter Partner Assistance SA - General Representative for Italy "Manager" of the Treatment pursuant to EU Regulation 2016/679. In particular, following this appointment, the Company undertakes to:

- process Customer data exclusively for the purposes strictly necessary for the provision and management of insurance guarantees, in any case on the basis of the instructions given by the Contractor, and with the express prohibition of carrying out processing activities for different / incompatible purposes;

- to appoint, if not already done so, all the persons in charge of carrying out the activities connected with the execution of this agreement as "Persons in charge" of the Processing pursuant to and for the purposes of EU Regulation 2016/679, providing them in writing with the instructions necessary for the purposes of the processing and monitoring compliance with the same. In addition, the Company must ensure that the Distributors are committed to confidentiality or have an adequate legal obligation of confidentiality .;

- ensure that Customer data is not communicated or otherwise made available to unauthorized third parties, as well as disclosed, except where permitted by applicable legislation on data protection or by the Contractor. The Company must also ensure that there is no undue access to the systems in use for the processing of Customer data;

- adopt all the technical and organizational measures necessary to ensure levels of security adequate to the risk, taking into account the state of the art, the implementation costs, as well as the nature, object, context and purposes of the processing, as well as the risk of varying probability and gravity for the rights and freedoms of individuals;

- notify the Contractor, as soon as he becomes aware of them, of any data breaches, whether suspected or actual;

- to collaborate, upon request, with the competent authorities for data protection in carrying out the tasks of the latter, and - more generally - to collaborate with the Contractor in the fulfillment of any request for information and in carrying out the controls and access to part of all competent authorities;

- allow Customers to exercise their rights pursuant to EU Regulation 2016/679, introducing effective internal procedures to respond to the interested parties and in any case cooperating with the Contractor in processing such requests;

- in the event of termination of this policy for any reason, return to the Contractor, at the latter's request, all the documents and files containing the data of the Customers, as well as in any case delete such data from the information and electronic systems of its property or in its possession, with the sole exclusion of those whose processing is necessary by law or to execute individual applications still in force.

It is understood that the Company must indemnify and hold the Contractor harmless for any damage, cost, expense, proceeding deriving from failure to comply with the provisions of this article. Information Booklet contractor name (D10) Page 4/12

ART. 17. BROKER CLAUSE (effective only in the case of a policy brokered by a broker)

The Contractor declares to have entrusted the management of this contract to ………. and consequently all relations relating to this insurance will be carried out on behalf of the Contractor by the broker himself.

As regards the collection of the policy premiums, the adjustment will be made by the Contractor to ............... .. who will arrange for the payment to the Company.

INSURANCE CONDITIONS

GLOSSARY

Insured: the person whose interest is protected by the insurance.

Insurance: the insurance contract.

Support: timely help, in cash or in kind, provided to the Insured who is in difficulty following the occurrence of an accident, through the Operations Center.

Baggage: clothing, sports items and items for personal hygiene, photographic and photographic material and the suitcase, bag, backpack that can contain them and that the Insured takes with him when traveling. Information Booklet contractor name (D10) Page 5/12

Traveling companion: the insured person who, despite not having any family ties with the Insured who suffered the event, is regularly registered on the same trip as the Insured.

Operations center: the organizational structure of Inter Partner Assistance SA - General Representation for Italy - Via Carlo Pesenti 121 - 00156 Rome, consisting of human resources and equipment, operating 24 hours a day and every day of the year, which ensures the telephone contact with the Insured, organize on-site interventions and provide, with costs borne by the Company, the assistance services provided for in the Policy.

Contractor: the person who takes out the insurance. In the case of a natural person, the adult with the capacity to act.

Destination:

Italy: the Italian Republic, the Republic of San Marino and the Vatican City State.

Europe: the countries of geographic Europe (including Italy and the Russian Federation) and the Mediterranean basin (Algeria, Canary Islands, Cyprus, Egypt, Israel, Lebanon, Libya, Madeira, Morocco, Syria, Tunisia and Turkey).

 World: all countries of the world including Europe.

Adress: the place where the Insured has established the principal place of business and interests.

Day hospital: hospitalization not involving overnight stay, but documented by medical records, at an authorized health facility with beds dedicated to hospitalization.

Abroad: all countries of the world, excluding Italy.

Event: the incident that directly or indirectly generated one or more claims.

Familiar: the person linked by kinship with the Insured (spouse, children, father, mother, brothers, sisters, grandparents, in-laws, genders, daughter-in-law, brother-in-law, uncles, cousins, nephews) and by persons permanently cohabiting with him as resulting from the family status.

Deductible: pre-established amount in absolute number which in any case remains the responsibility of the Insured for each claim.

Theft: the offense provided for in art. 624 of the Criminal Code, committed by anyone who takes possession of the movable property of others, stealing it from whoever holds it, in order to profit from it for himself or for others.

Indemnity or indemnity: the sum due by the Company in the event of a claim covered by the policy guarantees.

Accident: the accident due to a fortuitous, violent and external cause that produces objectively ascertainable bodily injuries, which result in death, permanent disability or temporary disability.

Healthcare institution: the university institute, hospital, nursing home, day hospital, diagnostic and / or therapeutic clinic, duly authorized for diagnosis and treatment. The following are not conventionally considered health facilities for diagnosis and treatment: spas, those with mainly dietary purposes, for the well-being of the person, rehabilitation, for convalescence, long hospitalization or stays, facilities for the elderly.

Disease: any detectable alteration of the state of health not due to injury.

Maximal: the maximum sum, established in the Policy, guaranteed by the Company in the event of a claim.

Medicines: those described in the Italian Medicaments Yearbook are considered as such. Therefore, parapharmaceutical, homeopathic, cosmetic, dietary, galenic, etc. products are not such, even if prescribed by a doctor.

Bill: the document proving the insurance.

Premio: amount due by the Policyholder to the Insurer.

Prescription: extinction of the right for failure to exercise it within the terms established by law.

Robbery: the removal of movable property from whoever holds it, by means of violence or threats to his person.

Residence: the place where the Insured has established his residence as shown in the registry certificate.

Hospitalization / hospitalization: permanence in treatment institutes, duly authorized for the provision of hospital assistance, which includes at least one overnight stay, or a daytime stay in a day hospital.

Deadline: date on which the effects of the contract cease.

Discovered: the part of the damage that can be indemnified under the terms of the policy as a percentage that remains to be borne by the Insured for each claim.

Left: the occurrence of the harmful event, future and uncertain, for which the insurance is provided.

Society: INTER PARTNER ASSISTANCE SA General Representation for Italy - Via Carlo Pesenti 121 - 00156 Rome.

Third parties: any person not falling within the definition of "family member".

Travel: the trip, stay or lease, resulting from the relative contract or travel document. Information Booklet contractor name (D10) Page 1/12

ART. 1. STATEMENTS REGARDING THE CIRCUMSTANCES OF RISK

Inaccurate statements or reluctance by the Contractor and the Insured relative to circumstances that affect the assessment of the risk may result in the total or partial loss of the right to indemnity, as well as the termination of the Insurance itself, pursuant to articles 1892, 1893 and 1894 CC.

ART. 2. OTHER INSURANCE

If several insurances are contracted separately from different insurers for the same risk, the insured must give notice of all insurances to each insurer. If the policyholder maliciously fails to give notice, the insurers are not required to pay the indemnity. In the event of a claim, the insured must notify all insurers in accordance with Article 1913, indicating to each the name of the others. The insured can ask each insurer for the indemnity due under the respective contract, provided that the total sums collected do not exceed the amount of the damage. The insurer who has paid has the right of recourse against the others for the proportional distribution on the basis of the indemnities due under the respective contracts. If an insurer is insolvent, its share is divided among the other insurers.

ART. 3. DURATION OF THE INSURANCE COVER

The effectiveness of the Policy in relation to each individual Insured starts from 00:00 on the start date of the trip and ends at 24:00 on the day of return from the trip and in any case no later than the 30th day following the start of the trip, provided that the adhesion occurs during the period of validity of the policy.

In the event of cancellation of the Policy, the termination date of the contract is considered the last day to cover new policyholders, as portfolio queue management is envisaged.

Activations with a date after this deadline will not be considered valid for the purposes of the insurance coverage of this Policy.

ART. 4. REIMBURSEMENT OF THE AMOUNTS EXPENSES FOR BENEFITS INCORRECTLY RECEIVED

The Company reserves the right to ask the Insured / Contractor to reimburse the expenses incurred following the performance of the policy, which are ascertained that they are not due on the basis of the provisions of the contract or the law.

ART. 5. CURRENCY OF PAYMENT

The indemnities are paid in Italy in euros. In the case of expenses incurred outside the euro countries, the reimbursement will be calculated at the official exchange rate on the day they were incurred.

ART. 6. JURISDICTION

Jurisdiction is that of the place of residence of the Insured or the Policyholder.

ART. 7. TERM OF PRESCRIPTION

The limitation period for the rights relating to this Policy is two years, pursuant to Art. 2952 of the Italian Civil Code.

ART. 8. DOCUMENTATION REQUEST

The Company has the right to request additional documentation for settlement purposes with respect to that contractually envisaged and does not lose the right to assert, at any time and in any case, any exceptions even if the settlement of the guarantees has begun.

ART. 9. NON-USE OF THE SERVICES / LIMITS OF LIABILITY

In the event of services not used or only partially used by choice of the Insured or his negligence, the Company is not obliged to provide any other aid as an alternative or by way of compensation with respect to that offered. The Company assumes no responsibility for damages resulting from its failure or delayed intervention due to the intervention of the Authorities of the country in which the assistance is provided or due to force majeure or fortuitous and unforeseeable circumstances. Information Booklet contractor name (D10) Page 2/12

ART. 10. REFERENCE TO THE LAW RULES

Although not expressly regulated by this contract, the rules dictated on the subject by Italian law apply.

ART. 11. INSURED

Individual customers who purchase travel from the Contractor directly or through reseller agencies. Individual customers are treated as equivalent to the Contractor in the exercise of ownership of the contract.

ART. 12. OBJECT OF THE INSURANCE

The Company provides the guarantees specified in the following sections:

A. ASSISTANCE AND MEDICAL EXPENSES WHEN TRAVELING (BRANCHES 02 AND 18)

B. BAGGAGE (BRANCHES 09 AND 16)

C. COVER STAY (BRANCH 16)

The maximum duration of insurance coverage for all destinations is 30 days.

A. ASSISTANCE AND MEDICAL EXPENSES WHEN TRAVELING

A.1 - Object of the insurance

The Company, in the event of illness or accident of the Insured while traveling, through the Operations Center, organizes and provides, 24 hours a day, the following services:

TRAVEL ASSISTANCE

The maximum limits indicated must be understood as insured, claim and insurance period, without prejudice to the sub-limits provided.

a) PHONE MEDICAL CONSULTATION. The Operations Center is available to the Insured to organize a telephone medical consultation in case of sudden urgency during the trip.

b) SENDING A DOCTOR OR AN AMBULANCE IN CASE OF EMERGENCY (valid only in Italy)

If the medical service of the Operational Center deems a medical examination of the Insured to be necessary and not postponable, the Operational Center will send a general practitioner contracted to the site, or if a doctor is not immediately available, will organize the transfer by ambulance of the Insured to the center nearest first aid station. The service is provided with costs borne by the Company.

NB: It is understood that in the event of an emergency the Operations Center will in no case be able to replace the Official Rescue Bodies (Service 118), nor assume any expenses.

c) REPORTING FROM A SPECIALIST DOCTOR (valid only abroad)

If, following the Telephone Medical Consultation, the Insured should undergo a specialist visit, the Operations Center will indicate, compatibly with local availability, the name of a specialist doctor in the locality closest to the place where the Insured is located.

d) TRANSFER - HEALTH RETURN

If the medical service of the Operations Center recommends medical transport of the same, after analyzing the clinical picture and in agreement with the attending physician on site, the Operations Center will organize:

 medical transfer to the nearest suitable medical facility;

 the transfer from the medical facility to the residence of the Insured;

 medical repatriation to Italy if its conditions permit and require it;

with the necessary assistance during transport with medical or paramedical personnel.

Medical transport will be carried out, with all costs borne by the Company, using the means deemed most suitable at the discretion of the Operations Center. These means may be:

 medical plane, only and exclusively for the return to Italy and provided that the accident occurs in Europe;

 airliner, possibly stretched;

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 first class train and, where necessary, sleeping car;

 ambulance, with no mileage limits;

 other means of transport.

The following are excluded from the service:

 infirmities or injuries which, in the opinion of the medical service of the Operations Center, can be treated on the spot or in any case do not prevent the continuation of the Trip;

 infectious diseases, in the event that the transport involves the violation of national or international health regulations;

 all cases in which the Insured or his family members voluntarily sign the discharge against the opinion of the doctors of the facility where he was hospitalized;

The Company will have the right to request any travel ticket not used for the return of the Insured.

e) RETURN OF THE OTHER INSURED

If, following the Transfer - Medical Return service, or in the event of the death of the Insured, the travel companions are not objectively able to return to their residence in Italy by the means initially provided, the Operations Center will provide them with a train ticket. first class or economy class air ticket. The service is provided on condition that family members and traveling companions are insured. The Company will have the right to ask them for any unused travel tickets for the return.

Maximum limits: Italy € 1.000,00 - Europe € 1.500,00 - World: € 2.000,00

f) SENDING URGENT MEDICINES (valid only abroad)

If the Insured needs medicines regularly registered in Italy but not available locally, nor replaceable with local medicines deemed equivalent by the Medical Service of the Operational Center, the same will send them by the quickest means in compliance with the rules and timing that regulate the transport of medicines. The Company will bear the cost of shipping, while the cost of the medicines remains the responsibility of the Insured.

g) TRAVEL OF A FAMILY IN CASE OF HOSPITALIZATION

If the Insured, traveling alone or with a minor, is hospitalized with a hospitalization prognosis of more than 10 (ten) days, the Operations Center will provide a return ticket (first-class rail or economy-class aircraft or other means at its sole discretion) to allow a family member, who is in Italy, to reach the hospitalized Insured.

The hotel expenses (bed and breakfast) of the family member are included up to the amount of € 260,00 with a maximum of € 52,00 per day.

h) EXTENSION OF THE STAY

If the Insured is unable to return to Italy on the date established for:

 hospitalization with a hospitalization prognosis of more than 7 (seven) days;

 theft or loss of the passport required for return, certified by the report to the local authorities;

the Company will bear the hotel expenses (bed and breakfast) of the Insured and of the travel companions, provided they are insured.

Maximum foreseen: Maximum 10 nights with the limit of € 1.000,00

i) RETURN OF THE INSURED CONVALESCENT TO THEIR HOME

If the Insured Party, following his resignation from hospitalization, is objectively unable to return to his residence by the means initially envisaged, the Company will organize and bear the costs of the return. The warranty is also extended to family members and a travel companion.

Maximum for the return of family members and travel companion: € Italy 500,00 - Europe € 750,00 - World € 1.000,00

j) RETURN OF THE BODY

In the event of the Insured's death during the trip, the Operations Center will organize and carry out the transport of the body to the place of burial in Europe.

The transport will be carried out according to the relevant international regulations and after having fulfilled all the formalities at the place of death. The Company bears the costs of transport with the exclusion of expenses relating to the ceremony Information Booklet contractor name (D10) Page 4/12

funeral, burial or cremation. The Company also pays the cost of the return ticket for a family member to go to the place where the event took place and the cost of accommodation for the first night at the nearest hotel.

k) EARLY RETURN

If the insured traveling party needs to return to his domicile in Italy before the scheduled date and by a means other than that initially provided, due to the death or hospitalization of a family member with a prognosis of more than 5 days, the Operations Center organizes the return and pays the related expenses. The guarantee is also valid for the return of a travel companion as long as they are insured.

Maximum limits: Italy € 550,00 - Europe € 2.000,00 - World: € 2.000,00

l) ADVANCE COSTS OF FIRST NECESSITY IN THE EVENT OF THEFT, SCIPPO, ROBBERY OR LOSS OF MEANS OF PAYMENT (valid only abroad)

If the Insured must incur, during the trip, unforeseen expenses of primary necessity (hotel stay, vehicle rental, travel tickets, restaurant, etc.) and is unable to provide it directly and immediately due to theft, robbery, theft or loss of its means of payment, the Operations Center may advance, with direct payment to the supplier, the amounts resulting from the corresponding tax document (invoice) within the established limit. The Insured must send a copy of the regular report forwarded to the local authorities. In any case, the Insured must provide for the repayment of the advance sum within 30 (thirty) days from its delivery. The service is not valid:

 in countries where there are no branches or correspondents of the Company

 when the Insured is unable to provide adequate bank guarantees of return, deemed such at the sole discretion of the Company;

 in cases where transfers of currency abroad involve a violation of the regulations in force in Italy or in the country where the Insured is located.

Maximum foreseen: € 1.000,00

m) CREDIT CARD PROTECTION (valid only abroad)

In the event of theft or loss of the Insured's credit cards, the Operations Center, upon specific request, puts the Insured in contact with the issuing Institutions, to initiate the necessary blocking procedures. The Insured is responsible for completing the blocking procedure, in accordance with the provisions of the individual issuers.

n) ADVANCE LEGAL ASSISTANCE EXPENSES (valid only abroad)

If the Insured is arrested or threatened with arrest and requires legal assistance, the Operations Center will provide the Insured with a lawyer, in compliance with local regulations, and will advance payment of the related fee. The Insured must communicate the cause of the request and the amount of the necessary amount. The Insured must in any case provide for the repayment of the advance sum within 30 (thirty) days from its delivery. The service is not valid:

 in countries where there are no branches or correspondents of the Company;

 when the Insured is unable to provide adequate bank guarantees of return, deemed such at the sole discretion of the Company;

 in cases where transfers of currency abroad involve a violation of the regulations in force in Italy or in the country where the Insured is located.

Maximum foreseen: € 500,00

o) ADVANCE PENAL DEPOSIT (valid only abroad)

If the Insured is detained, arrested or threatened with arrest during the trip and cannot directly pay the bail to be released, the Company may pay on the spot, as an advance on behalf of of the Insured, the bail. The Insured must in any case provide for the repayment of the advance sum within 30 (thirty) days from its delivery. The service is not valid:

 in countries where there are no branches or correspondents of the Company

 when the Insured is unable to provide adequate bank guarantees of return, deemed unquestionable as such

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opinion of the Company;

in cases where transfers of currency abroad involve a violation of the regulations in force in Italy or in the country where the Insured is located.

Maximum foreseen: € 3.000,00

TRAVELING MEDICAL EXPENSES

The limits indicated must be understood as Insured, claim and insurance period, without prejudice to the envisaged sub-limits.

EXPECTED CEILINGS: ITALY € 1.000,00 - EUROPE € 5.000,00 - WORLD € 10.000,00

WITH DIRECT PAYMENT - Only if the Operations Center is previously contacted.

If the Insured has to bear medical / hospital expenses for urgent and non-postponable treatment or surgery, received on site during the trip, during the period of validity of the guarantee, the Company will bear the costs with direct payment by the Operations center.

The guarantee will be provided until the date of discharge or until the time when the Insured is deemed, in the opinion of the Company's doctors, to be in a position to be repatriated. The guarantee will be effective for a period not exceeding 120 overall days of hospitalization.

In cases where the Company cannot make direct payment, the expenses will be reimbursed as long as authorized by the Operations Center which was also in this case previously contacted during the hospitalization period.

No reimbursement is foreseen without any contact with the Operations Center.

REFUNDABLE - Even without prior authorization from the Operations Center, within the indicated sub-limits.

a) The Company reimburses the transport costs from the place of the event to the first aid or first admission medical center.

Maximum limits: Italy € 500,00 - Abroad € 2.500,00

b) The Company reimburses the expenses for medical and / or pharmaceutical examinations, diagnostic tests, outpatient care and / or first hospitalization (including day hospital), incurred as a result of an accident or illness occurring while traveling.

In the event of an accident occurring while traveling, the Company also reimburses the expenses for medical examinations and diagnostic tests, provided they are carried out within 30 days of returning from the trip.

Maximum limits: Italy € 500,00 - Abroad € 1.000,00

c) The Company reimburses the expenses for urgent dental treatment only following an accident occurring during the trip.

Maximum foreseen: € 150,00

A.2 - Effective date and operation of the Travel Assistance and Medical Expenses section

The guarantee starts from the moment of the start of the trip and ends at the end of the trip itself.

The guarantee is given within the limits of the capital and services of the place where the event occurred.

A.3- Travel Medical Expense Deductible

The indemnity that, in the event of a claim, the Company will pay to the Insured, under the terms of the policy, will be paid after deduction of a fixed deductible of € 50,00 per claim.

A.4 - Exclusions (in addition to the common exclusions)

Benefits are not due in the following cases:

a) if the Insured (or who for it) disregards the indications of the Operations Center, ie requests to be discharged from the facility where he is hospitalized, against the opinion of the health workers of the facility itself; or refuse transportation / medical return. In the latter case, the Company will immediately suspend assistance and coverage of additional medical expenses accrued from the day following the refusal of transport / medical return to Italy;

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b) travel undertaken to a territory where, at the time of departure, a prohibition or limitation is operative (also temporary) issued by a competent public authority;

c) travel undertaken for the purpose of undergoing medical / surgical treatments;

d) if a quarantine is in place or declared during the journey at the place of destination.

The benefits are not provided in those countries where for political or meteorological reasons it is not possible to provide the guarantee.

Furthermore:

A.4.1 - Travel Assistance

The Company does not take charge of the events resulting from:

a) failure to contact the Operations Center or, in any case, without its prior authorization;

b) extreme trips in remote areas that can only be reached with the use of special emergency vehicles.

A.4.2 - Travel Medical Expenses

The Company does not bear the costs resulting from:

a) rehabilitation treatments and physiotherapy services;

b) purchase, application, maintenance and repair of prosthetic and therapeutic devices;

c) treatment or elimination of physical defects or congenital malformations, for aesthetic applications, for thermal and slimming treatments, for dental treatments (except for those specified above following an accident);

d) voluntary termination of pregnancy;

e) practice of air sports and air sports in general, extreme sports if practiced outside sports organizations and without the required safety criteria;

f) any sport practiced professionally or which, in any case, involves direct or indirect remuneration;

g) purchase and repair of glasses, contact lenses;

h) check-ups in Italy for situations resulting from illnesses that began while traveling.

The guarantee is also not due for claims caused or dependent on:

 natural birth or by caesarean section;

 pathological states dependent on pregnancy beyond the 26th week of gestation and on the puerperium;

 malice of the Insured;

 abuse of alcohol or psychotropic drugs as well as the use of drugs and hallucinogens;

 attempted suicide or suicide.

A.5 - Provisions and limitations

The Insured releases from professional secrecy, exclusively for the events covered by this insurance and exclusively in relation to the Company, the doctors who have examined him and the people involved in the policy conditions.

Furthermore:

A.5.1 - Travel Assistance

a) The assistance services are provided per event, regardless of the number of policyholders involved, within the limits of the limits indicated and any sub-limits;

b) the assistance services, in compliance with the specific operating conditions, are carried out in consideration of the state of health of the Insured and the state of need, using the means and structures that the Company deems, in its sole discretion, the most appropriate to the purposes;

c) the Company cannot be held responsible for:

 delays or impediments in the execution of the agreed services due to force majeure, according to the provisions of the local Authorities or contrary to the laws and regulations in force in the place where the service is provided;

 errors due to inaccurate communications received from the Insured or his representative;

d) the Company is not required to pay indemnities to replace the guarantees of assistance due.

Information Booklet contractor name (D10) Page 7/12

B. BAGGAGE

The maximum amounts indicated must be understood by Insured, by claim and by insurance period, without prejudice to the sub-limits provided

B.1 - Object of the insurance

a) THEFT, SCIPPO, ROBBERY, FIRE, BREAKAGE AND DAMAGE, FAILURE TO DELIVER LUGGAGE

The Company indemnifies the Insured for material and direct damages deriving from theft, fire, robbery, theft, breakage, damage and non-delivery of personal baggage by the air carrier. The guarantee covers only one claim per trip.

EXPECTED CEILINGS: ITALY € 500,00 - EUROPE € 750,00 - WORLD € 1.000,00

It is specified that:

 The Company pays the indemnity with the maximum limit per object of € 150,00.

 All photo-cine-optical material (camera, video camera, video camera, lenses, flash, batteries, etc.), household appliances and any other electronic equipment are cumulatively considered as a single object.

b) DELAYED DELIVERY OF BAGGAGE

Following a flight delay (with respect to the estimated time of arrival), exceeding 12 hours, in the delivery of the baggage, the Company reimburses, within the limit of the insured capital, the purchases of basic necessities (clothing and hygiene items staff). The guarantee covers only one claim per trip.

Maximum limit for the insured: € 150,00

The Company does not reimburse expenses:

 for delayed delivery of Baggage on the return flight to the Insured's usual domicile;

 incurred after receipt of the baggage.

B.2 - Indemnity Criteria and Limits

The Company pays the indemnity within the limit of the envisaged ceiling.

B.3 - Exclusions (supplementing the common exclusions)

Excluded from the warranty: computers, mobile phones, media players, sunglasses, televisions, battery chargers, money, precious stones, checks, stamps, tickets and travel documents, jewelery, precious watches, coins, art objects, collections , samples, catalogs, goods, food, perishable goods.

The Company does not indemnify damages:

a) facilitated with willful misconduct or gross negligence by the Insured or by persons for whom he must answer;

b) occurred when:

- the baggage has not been stored in the suitably locked boot of the vehicle;

- the vehicle has not been parked, during the night hours, from 20.00 to 07.00, in a guarded and paid public garage;

- the theft occurred without breaking into the boot of the vehicle;

- the baggage is on board motor vehicles even if it is stored in the special locked boot;

c) occurred during the stay at the campsite;

Furthermore, the following are excluded:

d) photo-cine-optical equipment entrusted to third parties (hoteliers, carriers, etc.).

B.4 - Effective date and operation

The Baggage guarantee starts from the moment of the start of the trip and is effective until the end of the trip itself. The "Delayed delivery of baggage" guarantee is effective from the moment of first boarding (check-in) and ends before the last check-in.

B.5 - Provisions and limitations Information Booklet contractor name (D10) Page 8/12

The Company determines the compensation based on the commercial value of the items stolen at the time of the accident. In the case of clothing purchased during the trip, the reimbursement will be made at the purchase value, provided that it is duly proven by suitable documentation.

C. COVER STAY

C.1 - Object of the insurance

In case of medical arrest of the Insured, ordered by the competent authority for safety reasons:

• upon arrival at the airport of the country of destination or transit;

• or during the course of the trip or stay for the purpose of carrying out health checks;

• or in case of declared quarantine with forced stay on the spot;

the Company reimburses any higher essential and indispensable costs for food and hotel accommodation incurred by the Insured for the forced stay on site and for travel documents for returning to the Italian territory.

The Company reserves the right to request from the Insured any refunds obtained from the suppliers of tourist services and / or carriers.

Maximum: € 2.500,00 per insured person and € 10.000,00 per travel practice

C.2 - Exclusions (in addition to the exclusions valid for all policy sections)

The Company does not pay compensation in the following cases:

a) willful misconduct or gross negligence of the Insured;

b) trips undertaken to countries where the medical stop was already known;

c) costs not covered by the guarantee;

d) losses following the cancellation by the insured party of the continuation / rerouting of the interrupted trip offered by the travel organizer.

ART. 13. EXCLUSIONS

All services are excluded from the insurance if the Insured has not previously contacted the Operations Center.

Also excluded from the insurance are any indemnity, service, consequence and / or event deriving directly or indirectly from:

a) situations of armed conflict, invasion, acts of foreign enemies, hostility, war, civil war, rebellion, revolution, insurrection, martial law, military or usurped power, or attempted usurpation of power;

b) acts of terrorism in general, including the use of any type of nuclear or chemical device;

c) ionizing radiation or radioactive contamination developed by nuclear fuels, or deriving from transmutation phenomena of the atom nucleus or from radioactive, toxic, explosive properties, or from other dangerous characteristics of nuclear equipment and its components;

d) tornadoes, hurricanes, earthquakes, volcanic eruptions, floods, floods, nuclear explosions and other upheavals of nature;

e) pollution of the air, water, soil, subsoil, or any environmental damage;

f) research costs of the Insured at sea, lake, mountain or desert;

g) willful misconduct or fault of the Insured, suicide or attempted suicide.

No (re) insurer will be required to provide cover, pay a claim or provide a benefit for any reason in the event that the provision of such coverage, the payment of such a claim or the provision of such service exposes the ( re) insurer to any sanction or restriction by virtue of a United Nations resolution or by virtue of the commercial and economic sanctions, laws or embargoes of the European Union, the United Kingdom or the United States of America.

ART. 14. OBLIGATIONS OF THE INSURED IN CASE OF REQUEST FOR ASSISTANCE Information Booklet contractor name (D10) Page 9/12

The Insured, or whoever acts on his behalf, in the event of a request for Assistance or Travel Medical Expenses resulting from hospitalization, must immediately contact the Operational Center active 24 hours a day at the telephone number:

+ 39 06 42 115 840

In addition, it will have to qualify as "INSURED ......" and communicate:

 personal data of the Insured;

 policy number… .;

 type of intervention requested;

 temporary telephone number;

 Hospital data (name and telephone number, hospital ward, name of the doctor who treated the patient);

 contact details of any family members / companions traveling with the Insured.

ART. 15. OBLIGATIONS OF THE INSURED IN CASE OF REQUEST FOR REFUND

For each request for reimbursement, the Insured or whoever acts on his behalf must report the claim to the Company within 30 days of his return, providing the Company with all the documents useful for managing the claim, without prejudice to the provisions of art. 16, and in particular:

 personal data and tax code of the recipient of the payment (pursuant to Law 248 of 4 August 2006);

 name and address of the Bank, IBAN code, SWIFT code in the case of a foreign current account;

 name of the current account holder if different from the holder of the case;

 place, day and time of the event as well as the circumstances and causes that determined it.

Also providing:

■ Reimbursement of Medical Expenses:

 medical documentation drawn up on site (medical records, first aid report, medical certificate showing the diagnosis) and original receipts for medical expenses incurred.

■ Theft, mugging, robbery, fire, breakage, non-delivery and damage to Baggage:

 original report submitted to the competent authority of the place where the event occurred, with a detailed list of what was stolen, burned or damaged and documentation / proof of possession certifying their value, brand, model, approximate date of purchase.

 Property Irregularity Report, in copy.

For damage occurring during air transport, the report must be made to the appropriate airport office by having the PIR (PROPERTY IRREGULARITY REPORT) delivered.

■ Delayed delivery of Baggage by the air carrier:

 copy of the Property Irregularity Report;

 air ticket with the complete itinerary of the trip and a copy of the baggage ticket;

 original purchase receipts for basic necessities, with a detailed list of purchases made.

■ Cover Stay

- place, day and time of the event as well as the circumstances and causes that determined it;

- documentation certifying the medical detention ordered by the Authority;

- travel contract;

- any re-routing travel document with evidence of the higher cost paid or a new travel document issued;

- airport tax refund document, or alternatively declaration of no flight, issued by the air carrier;

- expense invoices relating to forced residence (hotel expenses, meals);

- documentation certifying any reimbursements recognized by service providers;

All documents relating to expenses (invoices, travel documents, etc.) must be in the name of the Insured.

IMPORTANT REFERENCES

REFUND REQUESTS

Send the accident report and supporting documents to the following address:

INTER PARTNER ASSISTANCE SA - Travel - Claims Office Information Booklet contractor name (D10) Page 10/12

P.O. Box 20175

Street Heroes of Kefalonia

00128 Spinaceto - ROME Information Booklet contractor name (D10) Page 11/12

INFORMATION ON THE PROCESSING OF PERSONAL DATA

Pursuant to art. 13 and 14 of EU Regulation 2016/679 (concerning the protection of individuals with regard to the processing of personal data, as well as the free circulation of such data), the "interested party" (customer / contractor / member of the collective policy / insured / co-insured / beneficiary / their successors in title) of the following.

PRELIMINARY WARNING

This Information is provided by the Insurance Company (Data Controller) also in the interest of the other data controllers in the context of the so-called "insurance chain", pursuant to the Provision of the Guarantor for the Protection of Personal Data of 26 April 2007 (doc . web no. 1410057).

1. IDENTITY AND CONTACT DETAILS OF THE DATA CONTROLLER

Inter Partner Assistance SA - General Representation for Italy, with headquarters in Rome Via Carlo Pesenti n. 121, Part. VAT 04673941003 - Tax Code 03420940151, Tel: 06 / 42118.1.

2. CONTACT DETAILS OF THE DATA PROTECTION OFFICER (DPO)

The interested party can contact the Data Protection Officer (DPO - Data Protection Officer) of the insurance company, Data Controller, by writing to the following contacts:

 by post: Inter Partner Assistance SA - General Representation for Italy Via Carlo Pesenti n. 121 - 00156 Rome;

 by e-mail: [email protected]

3. CATEGORIES OF PERSONAL DATA OBJECT OF TREATMENT

The following categories of personal data of the interested party are processed, only and exclusively for the purposes indicated below:

to. Identification data of the interested party, such as for example: name and surname, place and date of birth, registered residence and domicile, details of the identification document, tax code;

b. Data of particular categories of the interested party, pursuant to art. 9 of EU Reg. 2016/679, strictly necessary to execute the stipulated contract.

4. PROCESSING METHODS

The processing of personal data takes place through manual processing or electronic, IT and telematic tools, with logic strictly related to the purposes themselves and, in any case, in order to guarantee the security and confidentiality of the data.

5. PURPOSE AND LEGAL BASIS OF THE PROCESSING

The purposes of the processing of the personal data collected are as follows:

a) purposes strictly connected and instrumental to the offer, conclusion and execution of the stipulated contract (including any renewals), relating to the exercise of both the insurance and reinsurance activity and the related connected and instrumental activities, to which Inter Partner Assistance SA - Representation Generale per l'Italia is authorized pursuant to current legal provisions (eg premium payment, claims management and settlement); purposes of redistribution of risk by means of co-insurance or reinsurance, as well as the prevention, identification and / or prosecution of fraud, including of an insurance nature, and related legal actions; purposes deriving from legal obligations, regulations, community legislation, provisions issued by Authorities legitimated by the law or by supervisory and control bodies;

For the purposes referred to in letter a), the processing of data is to be considered lawful as it is necessary to execute the contract of which the interested party is a party (on his own or as a representative of a legal person) or to execute the pre-contractual obligations relating to this contract. The processing is also to be considered lawful as the interested party has given his consent to the processing of his personal data, even sensitive, for the aforementioned purposes. It is specified both that without the data of the interested party it is not possible to provide the services, services and / or products mentioned and that consent, even if revocable, is a necessary prerequisite for the performance of the contractual relationship.

6. RECIPIENTS / CATEGORIES OF RECIPIENTS OF PERSONAL DATA

The recipients of the personal data of the interested party are first of all the employees and / or collaborators of the Data Controller, who are part of the internal organization, who process the data collected exclusively in the context of their respective duties (eg: claims office, complaints office, back-office, underwriting office), in accordance with the instructions received from the Data Controller and under his authority.

The recipients of the personal data of the interested party are also the following categories of third parties, external to the organization of the Data Controller, to whom the personal data may be communicated. These subjects act as independent data controllers, except in the case in which they have been designated as data controllers.

For the purposes referred to in point 5 a) these subjects are:

to. other subjects in the insurance sector (so-called "insurance chain"), such as insurers, co-insurers and reinsurers, insurance intermediaries (and related intermediaries);

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